23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Actually it was NOT discharged through bankruptcy but dismissed in General Sessions Court by Judge XXXX XXXX on XX/XX/year> XXXX TN. This was the closest choice I could select. This is regarding a collection ( warrant # XXXX ) on my credit report that I would like to have removed. The Plaintiff is XXXX XXXX and LVNV Funding LLC which I never signed a contract with and I am not sure if this is another company trying to scam me. I did send them a letter asking for the debt to be validated but have not heard anything from them. I also asked them to have this removed from my credit report almost 30 days ago and it is still reflected on my report. I am considering moving into subsidized senior housing and I need this cleared up before I start my search.
Product: Payday loan, title loan, or personal loan

I received a loan for {$1500.00}. Account number XXXX. Now four months later and after making three payments of {$510.00} the loan balance is {$4600.00}. I am unable to obtain a payoff amount. 

This is not what I agreed to. 

This is usury! It is illegal.
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : XXXX XXXX XXXXXXXX XXXX : Federal Trade Commission CC : State Regulatory Agency These fraudulent information should be deleted from my credit report in the next 5 days. Please see the attached file.
Product: Mortgage

Better Mortgage originated my home loan and now I'm receiving mortgage bills from 2 separate servicing lenders : XXXX XXXX XXXX and XXXX XXXX XXXX. Not only am I receiving bills from both, but my credit report shows that I have 2 separate mortgages. I only own one home. I've attempted to contact the lender about this but they said they couldn't answer my question.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express did not cancel my card when I had fraudulent charges and then reported my missed payment to credit bureaus and destroyed my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I KEEP SENDING MY DISPUTES TO THE CREDIT BUREAUS AND I'M NOT GETTING ANY RESPONSES. IT'S BEEN SEVERAL MONTHS NOW.
Product: Credit reporting or other personal consumer reports

There is many inaccuracies being reported to my credit report such as 3 different date reported, 3 different date late activity, 1 last verified and 2 blank spots, 3 different account status, XXXX shows open, XXXX shows closed and XXXX shows open 120 days late, collection companies cant report a payment history or late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress from ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account, previously charged off, was settled with XXXX XXXX as agreed. [ See attached letter from XXXX XXXX ]. XXXX XXXX has requested that credit bureaus do update this account to reflect that no balance is owed. 

Despite XXXX XXXX request, XXXX XXXX and Experian have refused to do update this account. 

I am requesting that XXXX XXXX and Experian update this account to reflect a balance of zero since the account has been settled and nothing is owed.
Product: Vehicle loan or lease

I took out a loan with santander consumer USA a on XX/XX/XXXX. I made the 1st payment when due in XX/XX/XXXX and then I made the next payment that was actually credited on XX/XX/XXXX for the XX/XX/XXXX payment. I made another payment on XX/XX/XXXX which came out of my bank on the XX/XX/XXXX and one of these is the payments in question not credited properly. I then made a payment on XX/XX/XXXX that I thought was the XX/XX/XXXX payment not knowing that santander had lost the XX/XX/XXXX payment. So my XX/XX/XXXX payment went backwards to the XX/XX/XXXX payment. I then started to make a payment for XX/XX/XXXX and it took 2 weeks to get paid but it was paid and yet santander lost this payment also. They reported me to the credit bureaus 30 days late and then 60 days late. I have been fighting with them sending bank statements and santander always had a complaint about the statement sent whether it was elegible Or not sufficient. I have dealt with several managers and even the office of the president in their lack of communication with me is appalling because it 's my credit that 's hurt over XXXX points and they still have not properly credited me. I then spoke with their fraud area and investigations and they said things that were not true and so I invoked my attorney to send them a letter demanding that they credit my account properly and fix the credit-reporting. I submitted them to sworn bank statements from the 2 different banks from which those payments came from in XX/XX/XXXX and in XX/XX/XXXX. They have not responded to me in over a week. At this point I do n't want my credit hurt any longer and I do n't wan na pay monies backwards 2 and a 1/2 months especially when 2 payments are out there that I did pay. They do not correspond timely and yet they continually report me wrongly. Ask them why they are not correcting my account when they had sworn bank statements proving that they are wrong and yet they 're still trying to blame me.
Product: Money transfer, virtual currency, or money service

Sent from my XXXX XXXX XXXX XXXX device -- -- -- Original message -- -- -- From : XXXX XXXX Date : Tue, XX/XX/2021 XXXX XXXX To : XXXX ; Cc : Subject : Coinbase Buy & Trade Bitcoin, Ethereum & more I need to Login to my coinbase pro account, but I can't because apparently they made me fraud and blocked my income, they also withdrew {$1000.00} without my authorization from my bank account XXXX bank I need to solve me shortly I am very upset with you. {$7100.00} dollars in shares with you and I can not withdraw them since they changed my password, please, I need help to activate my urgent password.I should also tell you that the hakers bought with my stock ethe and litecoin they bought bitcoin and tried to sell them. I never bought or transferred my shares to bitcoin. 
I have with you Ether : XXXX Ether : XXXX Litecoin : XXXX My XXXX bank give back {$1000.00} But still waiting for you Send me a my email reactivated My password.i need help me assonest Waiting since XX/XX/2021 Thank It second time make complaint the company answer you them try contact me but is not true I never receive email from them XXXX Just need them send me email I dont have acces my account .I have a lot money Please help me just need take out my money
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I sent my letter on XX/XX/2023 asking the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 

According to the FRCA, the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law? Also, many pieces of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have attached the credit report showing the inaccuracies and inconsistencies. How have the credit bureaus verified these accounts if they are showing so many discrepancies on fundamental pieces of information such as addresses, date account opened, balances. 
I asked the credit bureaus to share their method of verification and validation of these accounts, but they failed to respond.
Product: Debt collection

SOURCE RECEIVABLE MANAGEMENT THESE PEOPLE HERE ARE VERY RUDE YOU SEND IN LETTERS FOR VALIDATION EVEN CERTIFIED LETTERS THEY WILL NOT RESPOND IT IS THE LAW A PERSON HAS A RIGHT FOR VALIDATION THEY NEED TO BE REPORTED I HAVE SENT IN SEVERAL VALIDATION LETTERS AND HAD ONE OF THEM CERTIFIED THEY STILL HAVEN'T RESPONDED THEN I DON'T KBOW WHAT ELSE TO DO I WANT TO KNOW WHERE THIS DEBT CAME FROM DIDN'T KNOW UNTIL I CHECKED MY CREDIT THIS COMPANY HERE IS VERY VERY RUDE THEY NEEED TO BE PUT ON THE NEWS OR SOMETHING I PROMISE YOU THEY WILL NOT RESPOND TO YOUR VALIDATION LETTERS CODE 809 AND CODE 609 WE HAVE RIGHTS AS CONSUMERS
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : Request for Correction of Inaccurate Late Payments on My Credit Report Dear Representative of the Consumer Financial Protection Bureau XXXX CFPB ) : XXXX XXXX XXXX XXXX  XXXX XXXX Iowa XXXX I am writing to formally file a complaint regarding inaccurate information reported on my credit report about late payments associated with my account with First Help Financial ( Account Number : XXXX ). Below are the specific dates of the erroneously reported late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am confident that this information is incorrect and request that it be investigated and corrected, in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), which protect my rights as a consumer. 

Legal Basis Fair Credit Reporting Act ( FCRA ) : 15 USC 1681s-2 : Requires data furnishers to ensure the accuracy and completeness of information provided to credit bureaus.

15 USC 1681i : Establishes my right to dispute inaccurate information and obligates credit bureaus to investigate and correct errors.

Truth in Lending Act ( TILA ) : 15 USC 1637 ( b ) : Requires creditors to present accurate billing statements and correct any errors. 
FCRA Section 1666b : Mandates investigation of billing disputes and removal of errors if not resolved within the stipulated timeframe.

Specific Requests Conduct a thorough reinvestigation of the reported late payments.

Remove the inaccurate records from my credit report. 
Provide me with a written confirmation detailing the investigation results and the corrections made. 
I look forward to receiving a formal response within the 30-day period established by the FCRA. I appreciate your prompt attention to this matter and await your resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan for XXXX, but I made a XXXX dollar payment online. On XX/XX/XXXX, Cash Central tried to take XXXX out of my husbands and my account, but our bank thought it was a fraudulent transaction. Cash Central collection dept is contacting me and telling me to call them so they can charge me extra for my account being past due or where my payment is.
Product: Mortgage

For the second month in a row, I have had misapplied payments intended to be applied to mortgage principal only as regular mortgage payments. The payments are made within 1 week of the normal mortgage payment in amounts greater than the normal monthly payment. The checks issued by my bank have the words " PRINCIPAL ONLY '' in the memo field. When calling the mortgage company to correct the situation, I have also requested that a supervisor call me back, to further discuss my displeasure with the company and I do not receive a call back as promised. The adjusting transactions that are supposed to be dated back to the original date received from last month were not back dated which will result in additional interest being charged to my account. I find this totally inappropriate and should be illegal. This is my second complaint filed just one month from the previous complaint. This company needs to be investigated by the CFPB to insure that other customers are not also being handled improperly. This looks like fraud.
Product: Credit reporting or other personal consumer reports

To my shock, I discovered inaccurate accounts on my credit report today, and Im completely puzzled as to how they appeared. Checking my report is something I do regularly, but this time, I noticed discrepancies that Ive never encountered before. I even tried refreshing my browser, hoping it was a technical issue, but the errors persisted. I am requesting a thorough review of the documents Ive submitted to ensure I never face this issue again.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 XXXX XXXX XXXX was showing last report date of XX/XX/2021. 

On XX/XX/2021 there was a update on XXXX XXXX and Experian showing an update Date of XX/XX/2021 and an incorrect balance. 

If contacted both Credit reporting bureaus and disputed this information but it still hasnt been updated. AsXXXX result I was denied credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) -- ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I am a Citibank customer of 3o years who has been a victim of fraud, Citibank has not handled this situation and in fact is doing NOTHING to resolve it. 

I am writing to express my deep frustration and disappointment regarding the handling of a stolen check for {$5500.00} that was fraudulently endorsed and cashed by someone through XXXX  XXXX XXXX. Despite my long-standing relationship with Citibank spanning over 30 years, I have not been reimbursed for this clear case of fraud, which occurred over three months ago. 

I have provided all necessary documentation, including affidavits from my landlord, verifying that the check was never received. Citibank has refused to refund me, claiming the responsibility lies with XXXX XXXX XXXXXXXX. However, I believe Citibank is partially to blame for failing to protect my funds, especially as the check was improperly processed and cashed. 

This situation has left me appalled at the lack of accountability and customer care. I trusted Citibank with my financial security, and their refusal to resolve this issue is unacceptable. I demand immediate action to rectify this situation and reimburse the stolen funds. 


XXXX XXXX
Product: Checking or savings account

I called Citibank XX/XX/XXXX about my money from my job. They told me that the account was closing and that it would take 30 to 60 days for them to mail me my check. I called on the XXXX because I know banks like to lie and ask again and they told me it would take two days and they will send it back to the sender. I actually recorded the call as well. I called again again and again ever since the XXXX Ive been calling every single day and everyones been giving me different answers. My job sent me {$980.00} The company took no action. The only thing they told me was that they cant tell me anything right now and that my funds will possibly be mailed to me at 30 to 60 days.
Product: Debt collection

There was confusion on why a collection agency reporting to my credit report that I had an account in default as I had no knowledge of any account of the sort and the location of the collection agency was in a state that seemed like it was not related to me either. Anyhow I opened an inspection into the collection agency through the cfpb which allowed for the collection agency to look further into my case and they found that I had indeed not been notified by the hospital of what was a special deductible/co-pay for a hospitalization emergency surgery. I did n't realize that this deductible was separate from my normal medical deductible which had already been covered for the year from a separate hospitalization. As a result of this reinvestigation on the Collection Agency 's Part explained to me what the charges were and why I had not been informed about them. They also offered me a " one-time special offer, '' as they put it, this offer as they explained would remove any mention of the account going to the collection agency from my credit files and it would resolve in full all claims by the hospital in question. They said that they would be willing to discount the amount that I would need to pay by 50 %. I took them up on their offer and their word that it would not appear on my credit report. It now appears on my credit report as settled legally for less than the full amount and it has it under the collection agency 's name as the creditor claiming this fact.
Product: Bank account or service

This all started on XXXX. A Company called My Score took money out of my bank account for something that I did n't order. How they got my # I do not know. So I went to my bank and cancelled my debit card. I then called them and cancelled what ever. They said my money would be back on my account in XXXX 5 days. This happened XXXX 5 times and when I got my new card, they hit it again. After 11 phone calls, I finally got an address where to write them at. Same old you 'll have your money in XXXX 5 days. After I wrote and got no reply, I contacted the XXXX. They said they would look into it and if I did n't get a reply to contact you. It was n't so much the money. Only {$79.00}, but it caused XXXX overdrafts on my account. That was another {$72.00}. The Company I wrote to was Golden Score LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Ph. # XXXX. Maybe that will do it. Very Respectfully. XXXX XXXX XXXX XXXXXXXXXXXX Thank You.