23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I closed my account with XXXX over 3 years ago and they had to pay me for overdraft fees that never existed on my account. So then they reported me to Early Warning company preventing me from opening an account with another financial institution. 

I spoke with Bank Manager and she said it was a mistake however I received a letter stating that they found fraud on my account which is a lie. 

I have asked for documentation and they cant provide nothing but told me if I wanted to open an account with them I could. This is also affecting my granddaughter which her name was on my account.
Product: Debt collection

I am writing to dispute XXXX/TOTAL CARD ACCT # XXXX. The highest balance on the account is incorrect.
Product: Checking or savings account

Navy Federal Credit Union withdrew {$3100.00} from my Savings Account to which I am not a joint account holder. Their reasoning was due to my spouse being on the account with my son, their policy is to take funds from any available account as stated in their member disclosures to satisfy payment to any account that has the name listed even if you are not a joint owner of the original account that owes money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, XXXX refunded the late charges, but still reported us to the Experian, Transunion and Equifax. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped XXXX points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at XXXX and more than 3 internal complaints filed ) to resolve with XXXX and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time XXXX says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.
Product: Credit reporting or other personal consumer reports

I sent in my first dispute letters with XXXX, Equifax and XXXX back on XX/XX/2024. I read that the credit bureaus have 30 days to investigate any information that we write to them. However, I continued to get multiple template responses and the inaccurate information of late payment history continues to be listed under each of my credit reports. Equifax sent letters twice saying that I did not send in the proper identification to verify myself and that they were not going to do anything further regarding my request. I even called them on a recorded line. I sent each of them two forms of proper identification and have proof that I did. After my first dispute request, each credit bureau removed an inaccurate account under " XXXX XXXXXXXX XXXX XXXX  '' so I am not sure where the disconnect is and why I can not get them to remove additional inaccurate information. There continues to be ( XXXX ) inaccurate late payment under each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ( XXXX ) inaccurate late payments under XXXX. The account history is inaccurate and I also was affected by XXXX like many others so I am not sure why this information is listed and not being reversed.

Under 15 U.S. Code 1681 ( e ) b Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX  XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$1200.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX NY XXXX XXXX XX/XX/year>
Product: Mortgage

Pennymac USA has just imposed an arbitrary {$5.00} fee for payments made between the XXXX and the XXXX of the month. I believe this is a violation of the terms of the VA-backed mortgage contract which, of course, PennyMac bought the rights to service. Please investigate, and if I am correct and PennyMac is imposing an unlawful fee, take any and all punitive measures necessary to incentivize future compliance with contract terms.
Product: Vehicle loan or lease

Had an auto loan with Wells Fargo during the years of XXXX where they made mistakes and charged high interest rates on auto loans.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information : CONCORA CREDIT XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Opening Date : XX/XX/2023 Complaint Details : Subject : Billing Error Complaint Pursuant to 12 CFR 1026.13 ( a ) Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a billing error with the account I have with CONCORA CREDIT/INDIGO. Please find below the relevant facts and details pertaining to my complaint : Account Opening : The account in question was opened in XX/XX/2023 with CONCORA CREDIT/INDIGO using my personal identification and credit card information, as defined in 15 U.S.C. 1602 ( l ).

Definition of Account : As per 12 CFR 1002.2 ( a ), an account refers to an extension of credit. In relation to an account, the term 'use ' refers only to open-end credit.

Payment History : Since the account opened in XX/XX/2023, I have consistently paid a monthly bill to CONCORA CREDIT/INDIGO online using my personal debit card information.

Receipt of Statements : I have received several statements from CONCORA CREDIT/INDIGO, which include attempts to collect an alleged debt for the account number XXXX XXXX XXXX XXXX. 

Billing Errors : I have reason to believe that all past, present, and future billing statements received from CONCORA CREDIT/INDIGO constitute billing errors under 12 CFR 1026.13 ( a ). This belief is based on the fact that these errors date back to the account opening in XX/XX/2023. 

Request for Resolution : I kindly request the CFPB to investigate this matter and direct CONCORA CREDIT to : Correct the billing errors on my account.

Cease any further collection efforts related to the alleged debt.

Provide a detailed explanation and resolution to the billing errors identified.

I have attached copies of relevant statements and correspondence for your review. Your prompt attention to this matter would be greatly appreciated.

Thank you for your assistance. 

Sincerely, XXXX XXXX Attachments : Copies of billing statements Copies of correspondence with CONCORA CREDIT/INDIGO
Product: Credit card or prepaid card

I have been a with CAPITAL ONE BANK USA N ( Date opened XX/XX/XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Checking or savings account

I am a victim of Identity Theft, someone opened a Chime Bank account using my information, I notified chime that I was a victim of Fraud. There were several fraudulent charges on this chime bank account, Chime responded from their customer service telling me that by me advising them that I am a victim of identity theft and that there was fraud on the account, they have determined no fraud occurred. They closed the account and put my social security number on suspension and " Violation Lists '' For reporting the fraud to the company. This is abuse of how fraud works, and how to handle fraud. They told me in a second email that they can't allow me to open an account ever there, or allow me to even access their websites or services because " I violated their terms and agreement '' By reporting the fraud. I do not believe that you should be accused nor told you are violating terms because you didn't open an account and told the company you were a victim of fraud. This seems almost abusive of what banks are actually supposed to do for fraud victims.
Product: Mortgage

In XX/XX/XXXX my house flooded. Insurance company and adjuster came in. They did the evaluation and submit the claim. The check was was sent to Shellpoint Mortgage Company because the house has not been paid off yet. The received all documents that were requested on XX/XX/XXXX for a check that was for under {$40.00}, XXXX. According to the letter sent the process would take 7-10 days to process. XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX calls were made to check on the process. Now at day 21 still no check. Each call made I was assured that all paperwork was completed and it was being process. XX/XX/XXXX had had enough. Then on that day I was told that a materials list was going to be needed. Call again on XX/XX/XXXX ( 25 days later ) still no check. I was told that I would only get 25 % of the amount until material list was given. I was mailed a check of 25 % of the amount. The contractor is requiring 50 % to order and start the project. So, again as requested and submitted paperwork that was received by ShellPoint on XX/XX/XXXX. Here were are XX/XX/XXXX and still nothing. This check was made out to fix my house not for ShellPoint to keep in the escrow account. What good is a check sitting there and my house is broken and a disaster.!!!! This is totally unacceptable by a mortgage company.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX XXXX XXXX.
Product: Checking or savings account

We have been trying to update my wives new phone number and get her pass word changed on her account with chime. We have been sending them copies of her new version phone bill, drivers license, ssan, and picture of her holding documents with currents date for three weeks. They still have made changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all of the following items on this letter removed from my credit or I will be suing for each of the violations listed. No automated responses, I need a reply telling me why you all havent properly investigated my credit report. I know that the items werent investigated because an investigation is supposed to take 30 days instead of only a few days
Product: Credit reporting or other personal consumer reports

These accounts are fraudulent and do not belong to me. Please delete them from my credit report. 

XXXXXXXX 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 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 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 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: Debt collection

On XX/XX/XXXXXXXX  I received a text message at XXXX XXXX  from a debt collection company called Halsted Financial regarding a XXXX XXXX account they are claiming belongs to me. Within this text message is a link that when clicked ; forwards you to a page requesting a reference number and the last 4 of your social security number. This was the first time this company contacted me and on the same day I elected to opt-out of any further communications. No further information on this account was included in this text message such as the amount of the debt account or who the original creditor is. Furthermore, On XX/XX/XXXX at XXXX This same company Halsted Financial sent me an email stating, " your XXXX XXXX  account is now being handled by our office ''. In this email, they claim that I made a payment on this account in the amount of XXXX on XX/XX/XXXX. This email stated that the original creditor is XXXX XXXX  and that the current owner is XXXX XXXX XXXX and the amount of the debt is XXXX. They also mentioned in the communication that they are attempting to collect this debt on behalf of the current owner which they state is XXXX XXXX XXXX. I sent this company a letter disputing all of the debt which amounted to XXXX, I requested that they send me documented proof that I have any legal obligation to pay them what they claim I Owe ; within my letter that I sent, I requested that this company and all its agents cease and desist from all forms of contact. After more than 30 days expired The company Halsted Financial failed to respond. However, on XX/XX/XXXX a debt collection company called XXXX XXXX XXXX sent me a debt collection letter in the mail stating they are attempting to collect a debt in the amount of XXXX on behalf of XXXX XXXX XXXX for a XXXX XXXX  account allegedly belonging to me. The letter stated that I can call or write to them by XX/XX/XXXX to dispute all or part of the debt. But this is the same debt that I was contacted by the company Halsted Financial and I had already disputed all of this debt. 

On XX/XX/XXXX I received a letter in the mail with no date on the physical letter from a debt collection company called XXXX XXXX XXXX stating that they are attempting to collect a debt that I owe to XXXX XXXX XXXX in the amount of XXXX. The letter stated that I can call to dispute all or part of the debt by XX/XX/XXXX. 

These companies led by the company XXXX XXXX XXXX are harassing me for a debt I do not owe through these repeated debt collection letters from the different companies mentioned in this complaint which is a clear violation of my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

I have attempted to resolve the issue with Equifax they have not responded as of XX/XX/year>. My birth year is completely incorrect. Information I disputed at least 60 days ago have not been resolved unlike the other two bureaus whom are working to address and resolve such issues. My rights are being violated under the Fair Credit Reporting Act. There are unfamiliar accounts and a whole different identity being reported with my report. I made multiple disputes and complaints way over 30 days ago, which NONE of them have been addressed nor resolved. I am really frustrated with Equifax. This is taking a toll on my life and I am trying my best to resolve the issue before litigation becomes necessary. This company is not following the Federal Guidelines. You don't care about the people. We are just consumers to you. If I could refuse reporting from this company. I would. Unfortunately, I am forced against my will to suffer at the hands of Equifax 's negligence.
Product: Money transfer, virtual currency, or money service

I reported an international wire fraud scam to the bank relating to a vacation property that we were trying to rent. The person had us wire {$5800.00} to their account and we were later noticed that they did not own the property. I contact Chase to stop the wire at which time the bank told me they request the funds back from the other bank. There was no correspondence from Chase at all regarding this case. It took me calling them repeatedly to track down the right department to give me information regarding the case. When I finally spoke with the right person after contact them for 2 weeks I was told there was nothing they could do because it was my word against theirs. Their lack of timely processing of the wire cancel and unhelpful nature has left me with no options to get my funds back. I find this ridiculous that when fraud is reported they have no obligation to assist their customers in getting their funds back. I am truly disappointed with the level of service and lack of commitment in resolving this issue.
Product: Debt collection

Around XX/XX/2022 my boss received several phone calls from XXXX XXXX XXXX on his personal cell phone. He told me they were asking to speak to me and then proceeded to give him a reference number to the collection account as well as the exact outstanding balance.
Product: Checking or savings account

I cant access online banking. It always show need to contact Synchrony Bank. I called Synchrony many times but cant resolve the issues. Thay keep telling to check again and again and again but until now it doesnt works. Today I called again & still they telling me to try again after 3-5days. Its been almost 2 months no access with my account. Only online is the access for this account. They dont have physical bank. How can I get my money? Thank you.
Product: Debt collection

I returned the car back to car max I had to do a lot of repairs this car was in and out the shop
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX had inaccurately reported XX/XX/year> as late and it has damaged my credit history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

They have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting Ans demand this late payment be updated to paid as agreed
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 proce 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 and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

experian has been reporting wrong adress they stae your company has been giving them the adress the adress is associated with identity theft can you update this adress and send me copy that they have been notified or updated on my email XXXX, my infomation keep being stolen
Product: Money transfer, virtual currency, or money service

I have transferred XXXX ripple from a crypto exchange binance to XXXX after some time when i checked my XXXX wallet i received only XXXX ripple. On XX/XX/2019
Product: Debt collection

They called to a person ( relative ) giving all my personal and private information about me, give them all details like my social security number, employee location with out they know who was that person behind the phone. Now I feel uncomfortable and scary that somebody else have all my information.
Product: Debt collection

It was due to unfortunate circumstances with a situation that I was a cosigner on which happened between my brother and the property management company. There was a leakage in the bathroom sink that caused the bathroom floor to flood with water causing the ceiling damage to our downstairs neighbors. The property manager blamed my brother for the bathroom damage stating that when he moved in it was in great condition, hence not wanting to take on damage costs. We tried taking it to the XXXX  XXXX  XXXX  but unfortunately couldnt come up with enough evidence to overturn the damage costs. Along with the full security deposit, they ended up charging an additional {$10000.00} dollars. It was discharged in court last year when my brother filed for bankruptcy but it still shows up on my credit.
Product: Checking or savings account

On XX/XX/scrub> 2025, I filed a claim because my phone and wallet were stolen and there were charges that I did not recognize for {$3900.00}. I immediately called BOA and they closed my card and said they would send me a new card and cancel the charges for the purchases made. On XX/XX/XXXX, they just sent me a one-page paper saying they denied my claim because they deemed the charges were authorized by me or someone who has permission to use the card/ account. Still, my phone and wallet were stolen so I did not even possess the said items used to make the transactions.
Product: Debt collection

Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection XXXX submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency