23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Eos-Cca is trying to collect more after my debt has been " paid in full. '' On XXXX XXXX I received a call from my Rep who has been handling my debt from XXXX XXXX. The Rep asked me if I would like to settle this debt and finish the rest of the payments that day. I just got a nice bonus so I decided to pay it off. I asked the rep what is the total I owe today. He gave me an amount of {$430.00}. I was confused because to my calculations I still owed a little over {$700.00}. He said something about he had a couple payments unprocessed or something like that and I would just have to pay the remaining {$430.00}. I paid that amount and have received my Settlement letter stating that my " Debt is Paid in full. '' XXXX XXXX I received another call from another Rep asking me to pay {$810.00}. I had no idea what this debt was so I asked for the account number. I did not agree to pay because I wanted to cross reference the account number with my pass bills. Turns out the account number was the exact one from my settled debt back in XXXX. 

XXXX comes around and I decided to give them a call and explain to them what happened. I explained everything that happened in XXXX and I 'm not going to pay because I have already received my Debt settlement letter, which I thought was supposed to be a change in contract. They put me on hold to check some notes, He came back to tell me that the previous Rep made a mistake and my settlement letter did n't mean anything because it was sent on false records. I told them its not my fault. I was extremely upset that he told me my letter does n't matter. He continued to tell me that computers make mistakes and to settle my debt I would have to pay about {$370.00}. I have no idea how he came up with that value to settle my debt. I was not going to go through this all over again where a Rep gave me a bogus amount just to say they 're settling my debt and then receive another call 6 more months down the line.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes to Experian regarding grossly incorrect reporting of a negative payment history on a XXXX XXXX account # XXXX... 

Experian continues to violate federal law, specifically the CARES ACT and FCRA, by illegally reporting inaccurate information as late payments. They are aware this information is incorrect. I have sent them ample documentation which they always ignore. 

Furthermore, I have invoked section 611 of the Fair Credit Reporting Act, and Experian has failed to respond with any specific details to support their actions. 

Experian is well aware they are falsely reporting late payment history inaccurately, and causing me financial harm ; as I am unable to refinance this loan until such time a they correct my credit report. 

This is costing my family excessive amounts of money each and every day that Experian is allowed to continue this travesty.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam XX/XX/2022 I sent a complain about Bank of America regarding returning of my payment. Complain number is XXXX and XXXX, complain details are at the end of this message. XX/XX/2022 I got a reply from from Bank of America by XXXX. Contact person is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America, phone XXXX extension XXXX ) By this message XXXX XXXX asked me to call her directly by phone to confirm that I am the party who engaged the CFPB. Unfortunately phone number XXXX extension XXXX is wrong, as voice mail requiries XXXX digital numbers for extension. I have called several times to Bank of America ( phone number XXXX ) and have asked to connect me with XXXX XXXX, it was impossible to reach her. I have left my number and asked to call me directly, no call from Bank of America. Bank of America still has not replied my complain Please reply my previous complain and CANCEL AND RETURN PAYMENT REASON : REMITTER REQUEST My phone number is XXXX Best regards XXXX XXXX - - - - - - - - - - - - Previous complain I made a payment in the amount XXXX XXXX usd to XXXX XXXX BANK on XX/XX/2022. XXXX : XXXX REF : XXXX Since XXXX  XXXX payment is in Bank of America. My sending bank XXXX ( XXXX XXXX ) sent a recall request via XXXX XXXX  ( THEIR CASE XXXX ) on the XXXX of XXXX. To the current date my sending bank have not received any responcer. Unfortunately this request was not acquitted by Bank of America and payment was not charged back to my account Please make a chargeback urgently
Product: Credit reporting

XXXX 2014 unpaid for {$37.00} I have never had XXXX service in my life this is not mine please fix this problem
Product: Checking or savings account

Goldman Sachs Bank USA allowed someone to fraudulently withdraw {$46000.00} from my XXXX by Goldman Sachs saving account via XXXX unauthorized transactions. I was not notified of any of the withdrawals and discovered this myself after logging on to view my account detail and immediately notified Goldman Sachs Bank USA XXXX XX/XX/2024 and dispute case was opened with them the same day. We were told to wait XXXX days to investigate however after more than XXXX telephone calls and speaking to XXXX different people as well as filing a police report, we have still note received any update as to what happened to my money nor has Goldman Sachs Bank USA refunded / credited me with my money which they failed to protect. Every time I called, I get transferred to different people and get same answer that investigation is still pending. Further more, on XX/XX/2024 I discovered that Goldman Sachs Bank USA froze the rest of my money in the account even though as they recommended, we opened a new account with them and transferred the remaining funds into it and closed the old account that had the fraudulent withdrawals. Goldman Sachs Bank USA is preventing me from accessing and using my money in the new account even though I called them and explained that I need access some of my money in the new account. I asked to speak to a supervisor but they indicated that no supervisor is available. Goldman Sachs Banks USA actions, lack of communication, and lack of effective escalation process and lack of resolution have and continue to create financial and emotional stress and suffering for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XX/XX/23 I have contacted Equifax XXXX XXXX XXXX XXXX via certified mail to dispute inquiries & fraudulent accounts on my credit report I have sent in proof of address proof of identity proof of ssn also proof of FTC XXXX AFFIDAVITS stating proving my claims However XXXX XXXX Equifax failed to protect my consumer rights accordingly to section 605 of the fair credit reporting act Now I have every right to file. Civil LAWSUITS AGAINST EACH PARTY Im attaching Proof of address proof of ssn Proof of police report
Product: Credit reporting

The account that now appear in my credit report were dispute removed because the accounts have a wrong balance. Now the account appear again in the history, I am willing to pay a part of that balance to clear my credit but I do not consider it fair to pay everything Since that balance is not correct.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : 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 These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX  Balance : {$5800.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} 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: Checking or savings account

This is a followup complaint. Initial complaint # is XXXX. 

BMO responded to the initial complaint ( attaching pdf document ) and shared the contact number of Fraud Department Manager ( ( XXXX ) XXXX ). I tried reaching out to the Manager more than 20 times in last two business days during working hours. Call was directly going to voicemail and I left a voice message. BMO didn't show the basic courtesy to call back and is not taking any effort to unfreeze the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance {$170.00} XXXX XXXXXXXX Balance {$2000.00} XXXX XXXXXXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Caller is allegedly trying to reach a XXXX XXXX regarding a XXXX XXXX. I am neither of these individuals nor do I know them. Further this is a emergency phone rarely used for calls and is primarily here for XXXX emergency doctor/ambulance purposes. Additionally I have been on the do-not-call list for both federal and state. I do not have nor have I ever had a business or personal relationship with Ally. Finally it costs me airtime to either make or receive calls and this is getting expensive.
Product: Prepaid card

Equifax data breach settlement sent an email to redeem my settlement payment through an online system that offers a prepaid card. There is no option given to receive a check or another method for repayment.The prepaid card can only be redeemed by entering a bunch of personal information and agreeing to a privacy policy of what appears to be another third party ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ). Irony aside, this seems unethical. I believe Equifax is willfully making it difficult for victims to collect on their justified payment due. After obtaining the card, the card doesnt work at any retailer. So its a waste of time effort and your personal information to get a card that is essentially a scam. I would be shocked if more than 5 % of victims were able to redeem their payment from Equifax.
Product: Credit card or prepaid card

My credit card company decided to side with a merchant who rendered no services. I don't even know how something like this happened as no credit company I've ever had would do this. I was asked no follow up questions during their " investigation '' and would like my money back considering the merchant did not provide any services and I received nothing from the merchant. It boggles my mind how Citi decided they deserved money for something that was never done.
Product: Mortgage

I am XXXX and fell behind on a few mortgage payments. I was able to make a large payment of XXXX dollars. Nationstar returned the check I sent. Nationstar informed me that I need to send XXXX in order to stay livi g in my home.
Product: Debt collection

on XX/XX/2021 your company was sent a cease of desist letter plus a validation of debt, which wasn't answered you company communicated back with trying to settle the debt which Is a violation of FDCPA 15 USC 1692.on XX/XX/2021 im sending your company another cease of desist letter.plus violations that your company have committed against me.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate and incomplete reporting of credit inquiries to the credit bureaus. 

The issue involves two separate businesses that reported credit inquiries to the credit bureaus without including the type of business associated with the inquiries. While the inquiries were reported, the absence of this crucial detail results in incomplete and potentially misleading information on my credit report. This omission has led to discrepancies between the reports at XXXX, XXXX, and XXXX, with some reports missing the business type altogether. 


Despite multiple attempts to have both businesses correctly report the missing business type, this issue persists with separate inquiries from each business. This failure has caused confusion, and I am concerned that it may negatively impact my credit score or cause future lenders to misinterpret the nature of these inquiries. 


The missing business type is an essential piece of data that affects the accuracy of my credit report. The incomplete reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reports be accurate, complete, and fair. 


I am requesting your assistance in ensuring that both businesses correct the reports to include the proper business types for the inquiries, and that the credit bureaus update my credit report accordingly. Additionally, I would appreciate any investigation into the potential negative impact on my credit score caused by these errors.

Thank you for your attention to this matter. I look forward to your support in resolving this issue and ensuring my credit history is accurate.
Product: Checking or savings account

XX/XX/2022 -- Opened a safe deposit box at First National Bank of Omaha ( XXXX and XXXX XXXX and was quoted a discount annual fee of {$50.00} as had other account relationships ( checking, savings and credit card ) with the bank. I gave the XXXXXXXX XXXX personal banker a check for {$50.00} to have them debit my checking account. 
XX/XX/2022 -- Received a safe deposit box bill of {$75.00} XX/XX/2022 -- Spoke with XXXX at the branch via phone and he told me that as my checking account was older that is the reason for the {$75.00} bill, but he stated this would be corrected also going forward. 
XX/XX/2022 -- My checking account was debited the {$75.00} and not the {$50.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, This creditor has violated my rights. 
Under 15USC 1681 section 602 states that I have the right to privacy, 15 USC 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 1666b a creditor may not treat a payment on a credit card account under an open-ended consumer plan as late for any purpose. 

XXXX XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX 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, XXXX '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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts thats Ive marked as innaccurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a letter, sent XXXX/XXXX/XXXX, attempting to collect a debt for {$2500.00} with the original creditor XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they have no record of me ever owing that amount or sending me to collections.
Product: Money transfer, virtual currency, or money service

I filed a previous complaint XXXX with the CFPB regarding my XXXX payments not being paid. On XX/XX/2022, Wells Fargo said they would pass it along to be answered by the XXXX group. They never responded and you closed the case. 

Please reopen the case so I can get the response that was promised to me.
Product: Credit reporting or other personal consumer reports

CLARK COUNTY COLLECTION : This creditor is reporting an sold collection and despite disputing will not remove. I've mentioned several FCRA violations to the company and despite that continues to report on my credit profile.
Product: Student loan

One component of the PSLF program that I and several of my colleagues are impacted by concerns the issue of being in paid ahead status ( i.e., I paid too much on my student loans - I think I paid a little too much a couple months and didnt realize it mattered since I was being responsible ). I will keep this short - Basically, I didnt know that I was in paid ahead status when I started working for a qualified employer and had my loans transferred to the bank that is servicing the PSLF program. So, although I was working for a qualified employer, my loans were consolidated under a qualified repayment program, and I was paying what I was being billed, 9 months of my payments didnt count towards the 120 qualified payments for PSSLF because I was in paid ahead status and didnt know. Its sad that you can do everything right, but get XXXX because you were too responsible.
Product: Credit reporting or other personal consumer reports

I have disputed the collection for XXXX XXXX with each credit bureau. This account is too old to be in my report, it is outside the statute of limitations and the company can not provide the documentation requested. It has been removed from XXXX and XXXX. Experience refuses to remove this erroneous collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   XXXX  XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX   Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX