23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX account # below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain.

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, XXXX XXXX
Product: Debt collection

XXXX XXXX Services is continuing to contact me to attempt to collect on a Bank of America Credit card that was settled through a different collection agency. I let them know that it has been paid and have requested further information on them on a couple different occasions, but they have not supplied any more information other than continual collection notices to collect this paid debt. The following email confirms this debt has been paid, and I have disputed the credit bureaus and have it thus noted with them as well. " From : XXXXXXXXXXXX To : XXXXXXXXXXXX CC : XXXXXXXXXXXX ; XXXXXXXXXXXX Date : Wed, XXXX XXXX XXXX XXXX XXXX Subject : RE : XXXX, XXXX. vs. XXXX XXXX XXXX XXXX XXXX, My office did file the attached satisfaction of the above judgment with XXXX XXXX XXXX XXXX back on XXXX XXXX, XXXX, and judgment was satisfied by the court per the attached court website. My office does not have record of a lien ever being filed in regards to this matter. Therefore, nothing was ever filed with the XXXX Court. The account has also been reported to our client as settled. Please let me know if you need any further information. 



Sincerely, XXXX XXXX XXXX, XXXX. 
XXXX and XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX * : XXXXXXXXXXXX XXXX : XXXX, ext. XXXX : XXXX ( fax ) *Licensed XXXX and XXXX XXXX '' Any help or direction you can give me to get this cleared and off my record is greatly appreciated. XXXX XXXX Services has not communicated with me to resolve, only to continue to collect this paid debt.
Product: Checking or savings account

Around XXXXXXXX XXXX I revived an email offer to create a checking account for Capital One to receive a $ XXXX bonus offer and following opening the checking account, i received another email from them for {$1500.00} to have a savings account also as long as i out {$20.00} in by a set time which I did. I moved all my funds over from the bank I had for 20 years specifically for this offer. The funds were required to be there for 90 days then offer funds would be deposited within 60 days afterwards which happened for my checking but not Savings. I moved the funds into the savings account on XX/XX/XXXX and by XXXX XXXX XXXX XXXXXXXX I still did not have the {$1500.00} deposited in my savings so I contacted Capital One and to my dismay the analyst advised me that I can not get the offer because I moved it to the savings from my checking which was not allowed - spoke to a Manager and they advised the same. I expressed my concern as I spoke to different employees back in XXXX before I changed banks to ensure I understood everything and this was never advised so I moved all my funds in one bulk move then moved the money to the savings account/ I did exactly what they asked me to which is open a savings account and place {$20000.00} in. The Manager would not make an exception based on understanding this happened due to changing banks, the savings email coming after the original checking email and did not listen to any calls. I called back and asked to file an official complaint. In this conversation, the analyst advised he would submit to their escalation dept via mail to listen to the calls and I would get a decision email in 3 days. I received a decline decision based on the same thing the Manager said regarding the money could not be moved to the savings account which I was not aware of. The email contained no information regarding the calls being listened to or my specific situation being considered at all with how this happened in changing banks to get this completed. I would have never switched banks to not follow guidelines when it was for the offers.
Product: Credit reporting or other personal consumer reports

On XX/XX/ 2025, I submitted a complaint on the Consumer Financial Protection Bureau 's website about several problems regarding Experian conducting poor investigations on my disputes. After I submitted my complaint, I received a response from Experian stating that, " we appreciate consumers who take the time to let us know about their experiences with our company. We will review your complaint and act accordingly. Once the review is completed a final response will be forwarded to you to view. It is our policy to respond to consumer disputes swiftly and to take each one seriously. '' Experian has viewed my complaint but has yet to provide a response, nor has taken any of my disputes serious. On XX/XX/ 2025, only three days after I submitted the complaint on the Consumer Financial Protection Bureau 's website about several problems regarding Experian conducting poor investigations on my disputes, Experian sent notifications that they updated and verified 3 accounts that I disputed without giving me their proper method of verification which by 15 USC 1681i states that if I request it then they have to provide it within 30 days, which they haven't. Experian is indeed conducting frivolous investigations and are committing fraudulent activities. These disputes on my credit profile should have all been investigated properly and they weren't. If they were investigated properly, my credit report would be accurate. I've called every single company that is reporting to my credit profile requesting a legally binding contract with my signature stating that I'm in agreement with them and they all have stated that they DO NOT have said contract. So, why is it that Experian is still reporting these to my credit profile? Simply because they are not conducting PROPER investigations, therefore harming me and millions of others financially. Not to mention, I've called their customer service number to speak with someone directly and I can never reach out to a live agent. Something has to be done about this immediately!
Product: Money transfer, virtual currency, or money service

Google has been wrapping its tentacles around my financial affairs that have been hidden from me for years. I have never owned a Google Pay account, however, I received an email that I did. Subsequently, this was an annual notice, therefore this fraud has been going on for at least a year. Google also has used their cellular phone service ( Goodgle fi ) to reroute calls although my official carrier is XXXX XXXX XXXX. I have reported this several times. My phone has not traveled outside of XXXX, Alabama in approximately three years, and yet my phone would sometimes show a location in Georgia, Florida, and also different counties in Alabama. Consequently, this would also coincide with someone trying to cash a check. XXXX has also made it impossible to protect the phone through an app that I bought that was compatible with the phone I was using. XXXX sent a push notification, stating it did not recognize the phone. This has happened with approximately three phones. I am alleging that XXXX employees including tech support are using their position of public trust to steal consumer 's information as they partner with fraudulent banks and money apps. Again, I did not purchase Bitcoins and did not view any financial catalogs, Finally, now when I make a purchase using my XXXX account. XXXX sends me a notification that the phone is new and the phone location is in another place, last notification the phone was supposed to have been in Georgia. I was not in Georgia, XXXX recommended changing the password, however, I am constantly changing the password as XXXX moves the location of the phone with an e-sim that should not be on my phone and I believe that XXXX, XXXX, and some more organizations are complicit.
Product: Money transfer, virtual currency, or money service

Lost over XXXX with unprotected XXXX service through Wells Fargo and no help to recover funds or even transactions information
Product: Vehicle loan or lease

I financed my latest XXXX vehicle with Infiniti finance. I paid the vehicle off in XXXX of this year but have not received the clear title. I have called the customer service line numerous times and I am still being told that the title had incorrect information and they are trying to get a new title from New jersey motor vehicle. After almost 3 months and several calls, I just need my title so, I willing to get it myself from Motor vehicle. The issue is that Infiniti will not send me a lien release which I am intitled to. it has become very frustrating, and no one seems to be able to get me this document. I would greatly appreciate any help in this matter. I only need the lien release so I can get my title. 

Here is the information for the loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

n 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. XXXX Auto Account number 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: Money transfer, virtual currency, or money service

After doing business with them for many months, Coinbase now refuses to authorize my ( previously valid ) account and claims that my address is invalid, when it in fact is not. They have effectively locked in excess of {$17000.00} of my personal funds and deny me access to it. I can not trade, buy, sell, or transfer funds from my account to my previously validated bank account. I believe this is an intentional policy, designed to manage cash-flow.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX I directly disputed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX with no response I also disputed in directly thru the XXXX XXXX, The XXXX XXXX  assured me the company verified the information as accurate, XXXX XXXX XXXX XXXX  sold the account, and remain on my credit profile and is actively involved in the collection of debt they sold, it's my right to dispute any information on my consumer report, but XXXX XXXX XXXX XXXX has not responded to any of my disputes ... .Not responding to a consumer dispute is a violation of the FDCPA
Product: Checking or savings account

" To Whom It May Concern at Citi Bank, I am writing to express my concern and frustration that my account has been locked and is being held for 'review ' after depositing my IRS refund check. Despite having previously deposited larger IRS checks without issue, I feel unfairly targeted and discriminated against.

I have attempted to resolve this issue by contacting the Fraud Department, but unfortunately, I feel I am not receiving the assistance I need and am instead being given evasive responses. 

I request that you promptly review this matter, provide a clear explanation for the account lock, and restore access to my account. 

Account details : [ Checking account number XXXX ] I would appreciate it if you could also provide a formal investigation into this matter and take necessary steps to prevent similar incidents in the future. 

I will attach my PDF 2022 tax return below I look forward to a prompt resolution. 

Sincerely, [ XXXX XXXX XXXX XXXX XXXX ]
Product: Credit card

I have no knowledge of the collection. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

Amcol called to say i owed a debt to XXXX XXXX  for my daughter. I stated i never received anything saying i owe the debt and i was disputing it. I was told they are notifying me now. They continued to argue me down about the debt even after i said i do not owe a debt. Insurance and the clinic realized the inaccurate information and i was suppose to receive a final bill. I never did and assumed since i pay all co pays at time of service the inaccuracy was resolved. Amcol called at 8 am christmas eve. I spoke to XXXX and then a supervisor XXXX who refused to assist because i wouldn't give my personal info out again. They claim i owe XXXX dollars and some change. Stated I'm unable to dispute the debt.
Product: Credit card or prepaid card

Lost card for 48 hours didn't realize it and it was used by someone else. Reported to credit union and they said that debt was valid. Fraud can't be valid but credit union reported negative to credit bureau on my report.
Product: Checking or savings account

I have a cash app account I've used for quite some time. My phone broke so when I got a new one I attempted to transfer my cash app account to new phone and it wouldn't do it successfully. In fact I was instructed by cash app to create a new account and contact help within app under new account. I did so. I have had no resolution even when I proved via supporting documents my identity Cash App refuses me access to my old account saying I won't be able to access the cash app balance and refuses to give me any explanation in fact they hang up on me. This isn't the XXXX time they have done this but will hopefully be an end to them doing this craziness to others. Imagine to people they get over on the daily who fail to report it as I did the first time. Please help me get my money from my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Specifically, Experian is a credit reporting agency. It is there to rate consumers on their credit worthiness. What they actually do is take one small incident, and turn it into an excuse to sell you " credit repair '' services. Further, they suggest that me having two credit cards that I do not utilize makes me a credit risk. They stipulate that " high performers '' are shown to have 10 or more open lines of personal credit ( i.e. lots of credit cards ). They end up the " expalnation '' of my derogatory credit rating with advertisements for obtaining more credcit cards.

This is wrong. They are in the credit reporting business, but they are really in the sale of debt business. One small {$150.00} medical bill, that I have paid by way, does not justify an all out war on my credit rating. Experian are practically extortionists, and need to be reined in and held accountable to their non-profit status. They are in the business of credit reporting, but are strong-arming consumers into accepting false services for reasons that really make poor finiancial sense. Why on earth would I need so many credit cards, or get a car loan if I do not need to, or pay a  XXXX TX doctor 's billing office calling you from XXXX because they are quite clearly not on the up and up??? 

That is why I didn't initially pay my one delinquent medical bill, because I did not trust the doctor. But Experian is worse than this. They want me to sign up for more new credit cards. I have held my credit cards for over 20 years. I have long established credit, yet Experian says I am a credit risk. They are clearly not right, otherwise my credit cards would have been cancelled by the bank ages ago. 

Experian services need to be investigated. It seems they are engaged in conflicts of interest and misleading business practices.
Product: Checking or savings account

Monday XX/XX/year> I opened a dispute with CashApp regarding numerous fraudulent charges from XXXX and XXXX. The following day I was prompted to verify my identity, which I've already done previously. The email read all disputes were paused until I completed verification. Nonetheless I immediately verified my Identity. Fast forward a few hours after verification a bunch of my disputes were denied stating I was already refunded for them. These guys at Cashapp are so unprofessional they even added a merchant by the name of XXXX to the dispute, which I never stated that I wanted to dispute that merchant. Luckily all phone calls are recorded. I emailed customer service and told them that my disputed transaction seemed to vanish on the app after verifying my identity. I was not provided any answers or reason why. My last dispute with Cashapp went in my favor, like I told them the charges were not from me, unauthorized, and fraudulent. But they tried hard not to pay me or issue a provisional credit. I had to call several times and email them. Stating that they're violating their Terms of Service. Which states " Investigation Timeline Once you submit a dispute, our team will investigate your claim and reach out with an update via email and a notification in the app within XXXX business days ( XXXX calendar days ). If we were unable to complete the investigation within XXXX business days, we will provide a provisional credit to your account at that time while the investigation continues. The complete investigation may take up to 45 days. When it concludes, we will notify you of the result via email and a notification in your app. Please note that we do not issue provisional credits for disputes concerning goods and services not received or not as described, and the investigation into these claims may require up to 120 days for resolution. '' They kept lying and saying they don't offer provisional credit and that I must wait XXXX business days for any other updates, and I may have to wait up to XXXX business days for an answer. By the way all of these calls are supposedly recorded. I told them that they were violating their Terms of Services. Also breaking Federal Banking Laws under Regulation E. After emailing a Customer Service Manager that part of their Terms of Services the disputed funds magically appeared in my account. I'm tired of this company and their illegal banking practices must be stopped. Who's to say how many other customers went through the same issue and CashApp purposely didn't provide any provisional credit, because they didn't know their rights. I will also be filing a complaint with the FTC. I hope this shady company and practices are soon put to an end.
Product: Mortgage

Dear CFPB ; We are requesting your assistance with a formal complaint against Wells Fargo Mortgage 's unlawful business practices who have successfully foreclosed our modular home of sixteen years. XXXX while XXXX we were victims WF 's Predatory Mortgage Servicing practices by almost doubling my home payment. XXXX The OCC managed this action under the Independent Foreclosure Review Settlement and we were awarded in ( XXXX ) the home back in my name and ( XXXX XXXX ) {$2000.00} dollars. However, it appears Wells Fargo believes they can undo the description of the order or compensation. We however, believe oversight and direction is required from the CFPB before they consider removing my family from our home. Presently, we have just received a letter legal representation from the XXXX in XXXX, North Carolina stating we are to vacate the premises. The XXXX foreclosure was in XXXX while XXXX with the XXXX XXXX in the XXXX XXXX region and the XXXX XXXX XXXX XXXX. Recently, the Department of Justice found WF financially liable for selling my home while XXXX in the amount of {$11000.00} dollars. We have provided CFPB with the most up to date information and we are actively seeking legal representation. As a member in the XXXX my time is very limited and often away from my family. So we are absolutely requesting the very best from your organization. We do n't expect special treatment and or privilege as with our past complaint for SCRA protection during the CFPB assistance process. We are asking CFPB to submit our complaint to Wells Fargo why they undoing a settlement agreement. Moving forward once they reply to CFPB, we will gladly provide further details from their very own documents demonstrating unlawful business practices. Your dedicated assistance with this matter is greatly appreciated, as we look forward to your reply ... XXXX, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX