23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

HFC Mortgage Statement and HFC Account page amounts are not the same. 
Statement YTD owed should be {$18000.00} ( 5mos. @ $ XXXX2mos. @ {$2600.00} ) YTD I 've paid {$12000.00} Difference should be $ XXXX not {$5200.00} ( amt. on HFC Acct. page ) or {$8000.00} ( amt. HFC Statement ) The only way I can make either of those totals is if I add XXXX month at the old rate to the correct difference {$5400.00} + $ XXXX {$8000.00}. 
HFC has lost/misplaced/misapplied XXXX previous mortgage payments. I wonder if it has happened again?
Product: Money transfer, virtual currency, or money service

I transfered mony frome my account in bank of america to my account in XXXX XXXX XXXX  ( XXXX ) at XXXX XXXX but not delivered yet so I asked both of banks about that but they are not solved my problem. 
Please I want help... thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX ; Account number 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX has received numerous disputes and refuses to contact to company XXXX and the reports the issue are months out of date BALANCE IS XXXX XXXX XXXX XXXX Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Credit limit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXXDEPT OF ED : XXXX -- -> : {$3300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I am highly disappointed in Discover and my mental health has deteriorated severely, including my emotional distress. I have spent over 5 hours on the phone with Discover customer service. I have been connected with the account manager, XXXX ( Discover Supervisor for the Fraud Department ) and XXXX ( Discover supervisor for Customer Service ). They falsely claim that I got my money refunded to my bank account. It has been over a month since I did not get this refund. I have several fraud charges that I have reported to the police and have provided the report to Discover in addition to my airfare tickets proving I was NOT IN THE COUNTRY. I have reported them to the CFPB and they stated that I would be refunded the charges and I still have not. The customer service is a one-star service at best as you are put on hold and then they don't help but just cut the phone. I currently am in a very financially stressful position as Discover has hogged all my funds their policy states that there is a {$0.00} fraud liability and even after providing all the possible documentation they still claim that it is fraud. Please explain to me how my card was swiped in XXXX when I was in XXXX.
Product: Credit reporting

XXXX 2010, we were forced to relocate for a job. To do so, we had to short sell our home. At the time we had XXXX mortgage lenders, XXXX of which was XXXX Bank. XXXX mortgage lenders agreed to report on our credit reports that we settled for less than the amount owed. This was a bank approved short sale. We NEVER had any late payments, current all the way up to the final sale of the house. XXXX bank reported the sale as a foreclosure on our credit reports, as well as a serious delinquency. This is completely untrue, and as a result has had a major derogatory impact on our credit score. We have made multiple attempts to have this fixed, and they have refused. XXXX reported it correctly, XXXX absolutely did not. Please expedite this request because we do not want to suffer another financial consequence because we are in the process of refinancing, and this is substantially effecting our credit.
Product: Checking or savings account

I Have already filed a complaint on issue # XXXX. In that complaint CFPB ask not to send any personal info in the narrative which I understood I should not upload my social security number. I now understand I can upload that info.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Act XXXX Account # XXXX has violated my rights. 

15 U.S.C. 602 A. states I have a right to privacy.

15 U.S.C 604 A. Section 2 states a consumer reporting Agency can not furnish a account without my written instructions.

15 U.S.C 1666b A Creditor May not treat payment on a credit card account under open end consumer credit plan as late for any reason. 

These or the name of the Accounts. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to CAVALRY PORTFOLIO SERV regarding the incorrect information on my account. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they had completed the investigation. However, when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. 
payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I'm reporting this incident to the credit bureaus to let them know that I was a victim of identity theft. Unauthorized Inquiries are being reported to my personal file after reading my credit report. Experian and XXXX Credit Reporting Agencies continue to publish unverified information without providing the legal documentation that is needed under the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b. The Experian and XXXX Bureaus have failed to accurately identify and produce any verifiable proof within the required time frame permitted by law. The following inquiries are false, and I never gave anyone access to share my credit. They have neither removed these inquiries from my credit report or given me a written authorization. Please remove the resulting inquiries as quickly as feasible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2023 there was an unauthorized transaction for {$240.00} taken from my checking account via XXXX XXXX. Someone asked to use my phone and ended up sending themselves money unbeknownst to me at the time it occurred. When I noticed later that day I initially attempted to contact XXXX and was told I needed to file the dispute with Chime instead. Chime denied my dispute without ever providing me any reason as to why the dispute was being denied and then subsequently closed my account. This has left me no avenue for recovering my funds from the unauthorized transaction. I want the {$240.00} returned that was stolen from me.
Product: Money transfer, virtual currency, or money service

The complainant paid a deposit of {$40.00} via cash app on or about XXXX to a XXXX XXXX. Ms. XXXX uses twitter to fraudulently advertise her self as a model. Once deposit is made she then blocks the individual on XXXX. cash app was notified of the issue, but has failed to do anything about and to continue to allow her to use their platform to defraud people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  XXXX # XXXX Has violated my rights. 

15 u.s.c. 1681 section 602 A states I have a right to privacy.

15 u.s.c. 1681 section 604 A section 2 also, states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EXPERIAN CREDIT REPORT.FTC ID THEFT # XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$8000.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I have found the following item listed below to be an error. 

XXXX XXXX OPEN DATE : XX/XX/2020 - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and XXXX  due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Debt collection

Fastunsecured.com submitted my information to the Ability Recover Services, which is a collection agency. They have stated that I owe a total of {$15000.00}. I have never received any monetary value what-so-ever. I have submitted disputes to the credit bureaus and results came back as remaining on my credit report. The collection agency said that I owe {$3000.00} per account. Those accounts are as follows : XXXX XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have had a conversation with XXXX and they do not have any of my information on file, which only makes me think that these are fraudulent claims.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings with the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting by Department of Education/XXXX on My Credit Profile Dear Consumer Financial Protection Bureau , I am reaching out to request assistance with a credit reporting issue concerning the Department of Education/XXXX . My credit report shows inconsistent and incorrect information across the three major credit bureaus regarding the same account which is negatively affecting my credit profile.

The inaccuracies Ive identified are as follows : 1. **Inconsistent Payment Status Reporting** : The account reports as current/terms met in XXXX and XX/XX/2018. However, in XX/XX/2018, it suddenly reports as 90 days past due, without prior indication of delinquency, which seems inaccurate given that XXXX and XXXX were marked as current. 

2. XXXX 2018 XXXX Late Reporting** : Similarly, the account reflects a XXXX-day late status in XX/XX/2018, despite reporting current/terms met both prior to and following this date. This inconsistency appears to be an error, as there is no logical progression to 90 days past due under these circumstances. 

3. **Discrepant Balance Reporting** : Each bureau is reporting a different balance for this account, with one showing {$2000.00}, another {$2500.00}, and the third {$1000.00}. The account was, in fact, paid in full and closed, and therefore, no balance should be reported at all.

4. **Account Still Hurting My Credit Profile** : Since the account has been paid and closed, I am unsure why these negative marks remain on my report. The false late payments are particularly harmful to my credit profile and should be removed.

For a fair resolution, I respectfully request the CFPBs assistance in : 1. Having the Department of EducationXXXX correct or remove the inaccurate payment statuses, specifically the XXXXday late entries in XX/XX/2018 and XX/XX/2018, as they do not align with the account history. 
2. Removing any remaining balance from all reports, as the account is paid and closed.

3. Ensuring that my credit report accurately reflects a closed, paid account without late payment history, as any incorrect delinquency reporting is unjustly impacting my credit score.

Thank you for your time and assistance with this matter. I hope to reach a prompt and fair resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

The bank is not sending accurate information to an application. I have funds and it is showing that I do not have any.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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. 2025-CFPB-0002 ) 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: Debt collection

On XX/XX/XXXX I received a Letter from Midland Credit Management Via XXXX stating I have a balance of XXXX. MCM stated they are considering forwarding this account to an attorney in my state for possible litigation. If they do not hear from me MCM may proceed with forwarding to an attorney. The letter head date says 9/3/2014, with a supposed deadline of XX/XX/XXXX. I receive restricted harassing phones calls through out the day every day after XXXX, I Believe its Midland Credit Management .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a certified letter to the 3 credit agencies requesting that they verify a bankruptcy claim that is listed on my credit report with them. I also contacted a United States Bankruptcy court in my state to find out if they were reporting this said Bankruptcy. I received a letter from the local United States Bankruptcy Court that they do NOT report any items to any credit agency and that Credit Agencies use 3rd party vendors to obtain public information. I then received a response from all 3 credit agencies in XXXX " validating '' the bankruptcy information but did not state how it was verified. I then sent another letter requesting a reinvestigation and the steps and companies they used to validate such information. All 3 responded that they verified the information via XXXX. 

I contacted XXXX directly and asked for a complete report of all the information they retain under my name, date of birth, social security number and address. 

On XX/XX/2022 I received the XXXX report and they do not list ANY bankruptcy, which is contrary to all 3 credit bureaus claims and re-investigation into this matter. I have attached the proof of my XXXX report, specifically page 27, where liens, judgements and civil filing records are reported. 

I have attached the complete report for the review and as proof that no such information exists under my name with XXXX and therefore should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX  XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$13000.00}, XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}, and XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX : {$420.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.