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

According to the FCRA ( XXXX XXXX XXXX acct # XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 


Account Name : XXXX XXXX XXXX acct # XXXX, has violated my federally protected consumer rights. 

According to the FCRA 15 U.S. Code 1681i ( 2 ) ( A ) ( i ) report containing information solely as transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1666 ( a ) 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 is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 an 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 record of conviction of crimes which antedates the report by more than seven years
Product: Money transfer, virtual currency, or money service

I am trying to connect my bank account with XXXX XXXX and they notified me that Capital One is not allowing me to connect my account. XXXX notified me that I have the right to access my account and suggested for me to contact the company or file this complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased concert tickets from XXXX XXXX through my PayPal account in the amount of {$500.00}. I used my {$440.00} PayPal cash balance to pay for most of this and also used my XXXX XXXX of which {$53.00} was charged through PayPal  on my XXXX XXXX. The tickets were cancelled by XXXX XXXX on or around XX/XX/year>. I filled a dispute through my XXXX XXXX for the {$53.00} that was charged thru them and received a refund of {$53.00} on XX/XX/year>. I have not received the additional {$440.00} from either PayPal or XXXX XXXX. I have contacted both companies, PayPal at least 8 times. XXXX XXXX told me they sent the {$500.00} back to PayPal on XX/XX/year>. PayPal continues to give me the run around on my refund.
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance has illegally reported information to the credit reporting agencies and I have repeatedly asked for the removal of such information.
Product: Debt collection

Received email notice XX/XX/2021 with attached document. Address listed was one from nine years ago ( for my husband ) and mine was from over a year ago. 
We responded to the email XX/XX/2021 noting that we have tried to contact them with the provided phone numbers. Each number automatically disconnects when the caller follows the prompts to speak to representative or an operator. 
They responded with the same phone number. 
I responded XX/XX/2021 with another request to speak with a representative to resolve the issue. I received an email from another individaul with the same useless phone number. 
I have provided an updated address and called the following numbers within listed business hours with no success. Some numbers have been tried multiple times. 
XXXX XXXX XXXX XXXX XXXX XXXX I am trying to reach someone because I have concerns about the validity of this debt. I am unable to and am concerned this will put me at a extreme disadvanatge in the years to come.
Product: Debt collection

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX has called my job repeatedly after my employer we can only have emergency calls only. He said O have several law suits against me, he spoke with a employee about me as well as she was trying to take an message. XXXX XXXX hung after I told him Im at work and couldnt talk at the moment he said he will keep calling back. They call me every 15 minutes on my cell phone.They have also called several family members whom I not related to but are my husband family.
Product: Credit reporting, credit repair services, or other personal consumer reports

My research on FCRA 605 indicates that credit bureaus are required by law to remove and eliminate any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by CREDIT BUREAUS : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX CARD XXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against XXXX on XX/XX/XXXX. I am reaching out today Wednesday, XX/XX/XXXX, regarding the same issue of an incorrect XXXX code that was reported on my XXXX credit profile. I want CFPB to note that this is the fourth time complaint now that I have filed against XXXX for the same exact issue which still has not been corrected. I am respectfully requesting that CFPB recognize that XXXX is not resolving issues but creating more problems. I am due to close in a few weeks and need this matter expeditiously resolve. It is frustrating that I have already submitted three previous complaints for the same exact issue with the last complaint dated XX/XX/XXXX Report # XXXX, and prior to that was XX/XX/XXXX - Report # XXXX. 
We noticed the issue when my mortgage company pulled my credit on XXXX  XX/XX/XXXX, it was the same exact information as the previous report pulled dated XXXX  XX/XX/XXXX. Nothing was changed or properly updated by XXXX and still has not as of this date. XXXX report still shows the final reported XXXX  codes from being in this year ( XXXX ) on all of the reports that were pulled ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) which meant nothing has been changed or properly updated. I am scheduled to close by XX/XX/XXXX. This is time consuming and extremely frustrating. Therefore, I am once again reaching out to your Organization ( CFPB ) to help me expeditiously resolve this issue regarding an incorrect XXXX code that is still being reported on my XXXX credit profile. 
I am unable to obtain an approval through their automated underwriting systems due to the multiple 120-day late markers for the months of XXXX and XXXX. My issue is that XXXX, second mortgage ( along with my first mortgage - XXXX ) were closed and transferred in XXXX and XXXX respectively. In XX/XX/XXXX, the house was sold in a normal sale and the third mortgage ( XXXX  ) was paid in full and closed. Below is a snip from my credit report showing XXXX and the negative reporting that cycled for XXXX. Following the XXXX is a snip showing both XXXX and XXXX and the negative reporting that cycled in XXXX. I was told that by XXXX, the third-party vendor my lender used to pull my tri-merge credit report, that when an account is closed the final XXXX code reported should not be anything other than a XXXX. XXXX reported a 60 day late in XX/XX/XXXX ( was not on prior to XX/XX/XXXX ) - Account closed and transferred in XX/XX/XXXX XXXX and XXXX both reported 120 day late marker in XX/XX/XXXX ( again, nothing prior to XX/XX/XXXX ) - XXXX  closed and transferred XX/XX/XXXX - XXXX closed/paid in full after sale on home XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I have accounts that are more than 7 year 's old that should be removed. 

Account info Account name XXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX {$24000.00} Closed Balance {$24000.00} Highest Balance $ 45470 Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX Reported : XXXX XXXX, XXXX {$3000.00} Closed Balance {$3000.00} Credit limit $ XXXX  Monthly payment Opened XXXX XXXX, XXXX ( XXXX yrs ) XXXX Reported : XXXX XXXX, XXXX {$1600.00} Closed XXXX Reported : XXXX XXXX, XXXX {$3100.00} Closed
Product: Credit reporting or other personal consumer reports

Notice to agent is notice to principal, notice to principal is notice to agent. 

After careful review of my consumer reports, I noticed an account on my report from DEBT RECOVERY SOLUTIONS account number : XXXX. 

I, XXXX XXXX, have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between DEBT RECOVERY SOLUTIONS and myself would make me legally bonded to any debt that they may claim. I am very certain that I have never provided any wet signature or provided any of my personal information to this company on any agreement. 

With that being said, had DEBT RECOVERY SOLUTIONS sent a Debt Validation Notice as they are lawfully required to per FDCPA ; I would have been able to rightfully dispute this account before they unlawfully caused extreme harm to my consumer reports. I am requesting that DEBT RECOVERY SOLUTIONS provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FDCPA Law allowing me the proper opportunity to dispute this invalidated debt. 

Enclosed you will find an invoice requesting {$1000.00} per account that is unlawfully reported on my consumer report. If you can not provide proof of delivery to this address XXXX XXXX XXXX XXXX XXXX  XXXX, WI XXXX, prior to todays date XXXX, XXXX, 2023 I am entitled to compensation. Please be mindful that a certified documentation must be provided to prove that your company followed FDCPA laws. 

Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
Product: Credit card or prepaid card

I opened a home equity loan with XXXX XXXX. As part of the process, XXXX XXXX paid off and closed several of my credit cards. One of these cards was Citi Bank Diamond Preferred Card with a balance of {$4000.00}. XXXX XXXX sent a cashier 's check to Citi Bank with a close letter in this amount. The account was closed, but Citi Bank said they never received the check. XXXX XXXX  send me a copy of the endorsed check stamped by Citi Bank showing Citi Bank received and deposited it. XXXX XXXX   confirmed the funds cleared. Citi Bank says I still have a balance in the amount of {$4000.00}. Citi Bank refuses to tell me anything except that they can not process the payment. Citi Card Customer Service told me I can not speak with the department that processes these investigations. They told me they can not let me speak to anyone higher than the call center manager, who told me he can't do anything. I spoke with XXXX XXXX, and they advised me to file this report with Consumer Financial Protection.  They told me they can not stop payment and issue another check, because Citi Bank deposited the original check and the funds have cleared.
Product: Credit card

They offered a {$200.00} bonus if I used the card to make {$2000.00} minimum in purchases, but, at about the time I spent the {$2000.00}, and qualified for the bonus, they, all of a sudden, locked my card, so when I called in, they said that I needed to fill an " ID Declaration Form '' out, and give them my photo ID. I didn't want to do that, so I just stopped using the card, but, now, they're saying I won't be able to redeem the {$200.00} bonus. They're changing the terms after the fact. I never agreed to supply them with my photo ID, and I don't feel comfortable with the fact that they're holding my bonus over my head to get my photo ID. I just don't trust them, especially because, to me, they are being underhanded.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

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: Mortgage

From XX/XX/XXXXXXXX  until present my tax payment has been collecting {$650.00} monthly based on an estimated tax of {$7800.00}. I'm not sure what their estimate is based on, but the XXXX  taxes that were paid when I closed on the house was {$3600.00}. I called the county and they said based on the new tax estimate the mortgage company should be able to make and adjustment. I called the mortgage company on XX/XX/XXXXXXXX  and asked how to have it adjusted. They said to send the proposed property tax that I received from the county, and they would review it and make the adjustment. I scanned it in and sent it in as requested on XX/XX/XXXX. I called and spoke to XXXX, who said they received the document, but the new payment was not based on a reassessment. She said that I could reupload it and give them until XX/XX/XXXXXXXX  to reassess the taxes. I called again today XX/XX/XXXX, and they said they would not adjust it based on the fact that the documentation was an estimate not an actual tax bill. It can not possibly be legal for them to estimate over twice what the tax is, collect on twice what the tax is, and continue to collect twice the amount, when I have documentation showing the max  tax would be {$4800.00}.
Product: Consumer Loan

I 've spoken with Security Finance asking for more time, I had asked for an extention due to the loss of my job explained very clearly numerous times that I was waiting for a decision from unemployment and then XXXX when unemployment was denied. I 've attempted to pay with an alternative form of payment other than cash/check, I attempted to pay it off with my credit card and was refused. Now despite talking to me and staying in contact their calling family, and friends with personal information leaving information on others voicemails. They continue to harass, attempt to embarrass, and call after their open hours ( leaving messages not addressing who or why their calling ) despite speaking with me about my situation.
Product: Credit reporting or other personal consumer reports

My accoun was never late! I have had exceptional payment history 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 to be updated.

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.

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! 


Update the late payments from my consumer reports
Product: Mortgage

I am attaching copies of all the documents that I submitted to Keybank regarding the issue. You can see that the total payments that show on my account that I made ( all bank statements are attached as well ) do not match what was applied to my mortgage. It is short by {$110.00} ( you can see where they tried to " fix '' something and took this amount off twice ). In addition, you can see on the statements that the sent that on XX/XX/XXXX my mortgage payment and minimum due was correct. Then on XX/XX/XXXX statement the amount due jumped to {$970.00} ( {$690.00} more ). On the XX/XX/XXXX statement you can see they are fees. This complaint on the fees pertains to a prior complaint where I said they added a lot of {$30.00} fees but they denied them being on my account. Now you can cleary see them. I reaffirmed my mortgage when I filed bankruptcy and the fees are all added to the end of my mortgage ( the amount is {$5800.00} ). Nowhere in this agreement were there an additional {$690.00} in fees. I have repeatedly asked them to review this and every time they brush me off. I gave them documentation and they still fail to answer my request even with all my documentation sent to them to review. Keybank owes me the {$110.00} and the {$690.00} in fees that they took from my mortgage payments. It is bad enough I had to pay the {$5800.00} due to a hard time in my life but to add additional fees for no reason is ridiculous! I have asked them to fix this issue as I am in the process of selling my home and want my money that is due to me credited on my account prior to me paying it off as I know they will NEVER refund me once they have the money. This is the worst bank to have to deal with and they can rest assured once this is resolved and I pay the mortgage in FULL they will never make another penny from me, my family, friends and business customers.
Product: Checking or savings account

Refer to CFPB file # XXXX This request was prematurely closed when CFPB queried the victim, not the perpetrator of fraud : This is a FRAUD inquiry perpetrated on my personal account. 
You can find all details under your file : XXXX On XXXX XXXX, I sent the following request : REF : Fraudulent XXXX withdrawals from personal checking account/ Your Ref : XXXX On XXXX XX/XX/2022, I requested assistance to recover {$6400.00} that was fraudulently withdrawn from my personal Bank Account. From my research, I clearly identified the following institutions involved in the fraud : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX, XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXXs, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, CA After one month, when no information was forthcoming, I inquired to find that CFPB had sent the fraud case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, not the banks committing fraud ; see the highlighted banks to identify the institutions engaged in this fraud. 
I hereby request that CFPB exercise their Federal mandate with greater due diligence. CFPB action becomes more critical as I have been receiving demand notices from XXXX XXXX XXXX, a Texas law firm. 
I look forward to receiving notice of your intentions and action. Once again, let me know if you require further documentation to proceed with this matter. 
Sincerely... 

Do I have to escalate this fraud investigation or will CFPB execute due diligence ; get my money back from this crime or provide usable information about how to proceed? 
Thank you for your service.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
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 Consumers Financial Protection Act ( CFPA ). Specifically, Cash Apo failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electtonic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for theses violations.
Product: Vehicle loan or lease

I had a car loan with Wells Fargo that started in 2011 and had it for 5 years extra charges were added.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a query with Transunion from the XXXX XXXX and to date its still not resolved. Whenever I call to ask for feedback, then response is " We have escalated, please call tomorrow '' ... .. The Teamleader as well is very rude and doesn't listen or take matters serious.
Product: Bank account or service

My name XXXX, I 'm victim of identity theft and found out Chase Bank manager at XXXX, in released my personal information regarding deposit amounts, debit card info to XXXX whom stole my personal information. They drained my accounts and when I went to manager there I was told they were ending there relationship with me because I wanted to file a claim and asked for transaction history on my accounts that he refused to give me. This is just the beginning and have received XXXX threats as well by those who stole my Identity. Please contact me asap and will provide documents.