23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My personal and private information was used to open up access to two lines of credit that I did not know about from Midland Credit Management Inc. in which it is stated from them assumed credit card debt for a total assumed amount of XXXX. Since then they have added these items to my credit report under their name, then removed them when first disputed in XX/XX/XXXX. It is still unclear as to how they acquired my personal information and how this information was handled as their Affadavit of Sale of Account does not explain who the, " debt buyer, '' is and how they even handled the information and the assumed debt. They have also threatened me under 18 USC 894 and 15 usc 1692 E ( 5 ). The first instances of this as they have sent back responses in request to validate the assumed debt, four of which dated XX/XX/XXXX that has, " Midland Credit Management v. XXXX XXXX, '' but no case number and there was no lawsuit known at this time. The second instances of 18 USC 894 and 15 usc 1692 E ( 5 ) are for notices all dated XX/XX/XXXX in which it is stated, " In the interim, we are ceasing all collection efforts until the conclusion of the investigation of your dispute. '' This implies that until further conclusion of the investigation of the dispute that they will not do any collection efforts. These notices did not mention anything of a lawsuit. On XX/XX/XXXX I then got a summons for these two accounts which went against the prior notices sent.
Product: Bank account or service

I entered the Capital One Branch located at XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX. The teller XXXX XXXX was very rude and had a delayed response in assisting me to cash a {$16.00}. Ccheck from the XXXX. The brach was not busy as a matter of fact I placed my Driver 's License and Debit Card on the counter. It took the teller over XXXX seconds to finish drawing cats on her notepad before she preceeded to assist me. I advised her I wanted to cash my check. XXXX XXXX the teller stated where another teller and customer directly next to me could hear since you only have {$12.00} in you account you can only deposit the check. I advised the teller since she just violated my privacy rights by stating my available balance I want you full name, agent id # and I want to speak withyour manager so I can file a complaint with corporate. XXXX preceeded to state she did not have an agent id but isnt her last name on her card. I advised her since she wanted to be coy I woukd add ththat to my complaint also. Another teller assisted in getting the manager XXXX XXXX. XXXX was not aplogetic for her agent 's actions and stated im sure noone heard XXXX when she disclosed your balance. I advised XXXX other customers did hear her. XXXX offered for me to go into her office and I declined. I stated I would take my concerns with corporate since she did not resolve the mmatter. XXXX continued to argue and elevate her voice stating XXXX is going through a tough time. I stated I am also but you should never carry your personal problems to work. XXXX began to cry and thet advised her to go to the break room I said XXXX should cry because never would I treat a customer the way she treated me. I advised XXXX I have XXXX accounts with Capital One, an auto loan, credit card and checking account and never have I ever been treated with such disrespect. Another teller finished my transaction and my check was finally cashed. I am at the point that I want to pay off my credit card balance and close my credit card with Capital One because I know if I was not a young XXXX Woman XXXX XXXX would not have disclosed a white woman 's checking account balance. I was humilated and will never forget the belittling experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Team, I hope this email finds you well. I am reaching out to you as I have recently discovered a note on my credit report that has inaccurately stated that there was a late payment in XXXXXXXX XXXX XXXX from XXXX. I would like to bring to your attention that this information is incorrect and that I would like it promptly removed from my credit report, as it could potentially hurt my credit score and overall financial status. 

According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit bureaus, and must investigate and correct any errors that are brought to their attention. This Act clearly states that consumers have the right to dispute any inaccuracies and have them corrected in a timely manner. 

I have already contacted XXXX  and have informed them of this mistake. However, they have yet to act on my request to remove the erroneous information. I believe this is a breach of FCRA regulations and it is unfair for me to be penalized due to their mistake. 

I take my financial responsibilities seriously, and it is crucial that my credit report accurately reflects my payment history. Therefore, I am urging your team to take the necessary steps to ensure that this error is corrected as soon as possible. 

Thank you for your attention to this matter, and I look forward to hearing back from you soon. If you require any further information or assistance from me, please do not hesitate to ask. 

XXXX XXXX
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 XXXX : Account # XXXX 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, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an Authorized User on the XXXX SB partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly 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: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours, claiming the account is accurate without providing any evidence of a thorough inve

stigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of consumer disputes. Additionally, Equifaxs actions may also breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding ( File No. XXXX ) against them for similar violations. 

I urge the CFPB to take action to ensure Equifax complies with federal law and provides consumers with adequate proof of proper investigations. 

These are the accounts that I stated were inaccurate. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX. XXXX XXXX XXXX.
Product: Debt collection

Company contacted 2 relatives leaving personal information re : me and implied I was going to be sued. The collection company is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Tel # XXXX. 

I have asked for a breakdown on what has been paid and they have not respned to my emails. They are rude on the phone and always say I am rude. I want to settle for the loan. Orginal amount was XXXX and I have paid way over the orginal amount. The tatics of collections were not in compliance of fair practices leaving personal information with others and threat of lawsuits.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX  XXXX XXXX XXXX account in the amount of XXXX reported late payments on my account when 15 USC 1666B states they can not report a late payment unless they send a statement within 21 days of my payment. Also 15 USC 6802B was violated for the simple fact my information was suppose to be protected and not disclosed to third party contact.
Product: Credit reporting, credit repair services, 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$440.00}
Product: Debt collection

I paid my debt and when i was getting the amount i was offered a lesser amount to pay and i took the offer and paid and was told that my debt was now paid in full. The company later told me it was not paid in full. This is not right and falls under fraud.
Product: Payday loan, title loan, or personal loan

Clearly Moneylion haven't learned their lesson. I already deal with daily Health Issues therefore i don't need the UnNecessary HEADACHE or STRESS dealing with Moneylion. This XXXX refused to take RESPONSIBILITY for their XXXX ups in XX/XX/XXXX and again in XX/XX/XXXX which is why i'm filing this complaint. 

XXXX XXXX  ...... 
I included a picture. I also have a XXXX XXXX XXXX XXXX thru Moneylion since XX/XX/XXXX. I also have a {$19.00} monthly membership fee. At midnight on XX/XX/XXXX i checked my Moneylion XXXX XXXX XXXX XXXX on their app. I noticed that on XX/XX/XXXX it said my XXXX XXXX XXXX XXXX XXXX was PAST DUE. How can a payment that haven't even posted yet be XXXX XXXX at midnight the same day it's due. I contacted Moneylion and i requested they update my payment since the Bank confirmed they already made the payment for {$94.00} and the monthly membership fee of {$19.00}. Yet Moneylion refused to update the accout and left my account showing PAST DUE for 10 days even thought they had already been paid. I find out that Moneylion was trying to process the payment the day before which is NOT a date i get paid on. They're suppose to have your payment processed the day it's due NOT the day before. I then changed my payment due date to the 3rd of the month so this wouldn't happen again. I was told by several agents this wouldn't happen again. 


XXXX XXXX ...... 
I included a picture for this as well. At midnight on XX/XX/XXXX i checked my Moneylion XXXX XXXX XXXX XXXX account. Only to see that once again Moneylion have my payment as PAST DUE on the day it is due and the payment had once again not even posted yet. XXXX claimed this wouldn't happen again yet it does and once again they refused to take RESPONSIBILITY for their XXXX up again. 

*LYING ABOUT CREDIT RESERVE PAYMENT ...... 
Moneylion blatantly lied on their app claiming once you pay off your loan they would send your funds to the bank account of your choice. Their chat agent stated a different story. Yet they held another payment for another 10 days even though they were already paid the {$94.00} monthly payment and the {$19.00} monthly membership fee.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

PayPal sent me a credit card in the mail that I never requested. I called the customer service number on the back of the card to cancel it. The automated voice said my telephone number caller ID was valid. I entered the last 4 digit on the card, but the automated voice said the last 4 numbers on the card they sent isn't actually a valid number. Good grief, it's right on the card they sent! So I hit 0 for an operator, but the recording said their customer service is closed due to covid-19, and the robot phone handler hung up on me. Given that they have employees working to send people unsolicited credit cards, why is there no customer service? And who would want a card anyway, from a company who doesn't have any customer service for it?
Product: Debt collection

NetcreditXXXX XXXX continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. Netcredit has 30 days to delete the accounts in violation before I sue for violations.
Product: Debt collection

A representative from XXXX XXXX XXXX repeatedly called me even after I requested not to be called, was very rude and used profanity
Product: Vehicle loan or lease

I have paid of this vehicle and I have made all payments on time and the auto company is reporting that my payments were late and there are many payments showing on my credit account that shows they been over 30days late. That is crazy! My payments have been on time and they need to fix this issue, as this is causing a negative impact on my credit score.
Product: Mortgage

Bank of America was attempting to conduct a loan modification without the knowledge or authorization of this writer. Their attempt to modify the loan led to a dispute that has lasted ten months. Bank of America has refused to come forward with the truth about what happened and instead has hidden behind vague claims, d ensuring that they address the issues in a manner that leaves no written evidence of their actions and intentions. 
In addition, my credit score was affected when Bank of America conducted a credit inquiry, again without my knowledge or authorization. 

Bank of America overcharged this writer {$170.00} over the total amount due. Note that the over-paymentwas never acknowledged by Bank of America. On XX/XX/2019, Bank of America mailed this writer a check for the amount of {$100.00}, however {$77.00} have still not been reimbursed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 


Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX ) Account # XXXX Account Name XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name XXXX XXXX XXXXXXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX* 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.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, I called Navy Federal to advise them I was laid off from my school counseling job, and was seeking payment assistance for my car loan. The woman stated I would not be eligible for a deferment until XX/XX/XXXX, but she would transfer me to their personal finance department to see what assistance they might be able to provide. The representative walked me through 20 minutes of questions only to tell me that they couldn't help me since I didn't have any income. They told me to call back once I had some sort of income. I called back on Monday XX/XX/XXXX to let them know I was offered part time work and had received my first week 's pay. They then said they couldn't help until XX/XX/XXXX, I explained I would be back to fulltime work by then. I called back again today, and asked why the woman on XX/XX/XXXX said I would be able to get a deferment in XXXX and now they are saying XXXX. She said since I got one a year ago I would not qualify for another deferment. I asked to speak to a Supervisor and she stated A supervisor wouldn't be able to help me more than she could. She put the call on hold and disconnected the line and never call backed.
Product: Checking or savings account

I was victom to fraud/scam on XX/XX/23. I thought I was purchasing items off of XXXX from a friend, however the friends account had been hacked so it was not them selling but a scammer. When I learned it was a scam ( within an hour of the transaction ) which was initiated through XXXX ( which is connected to my fifth third checking account i tried to cancel via XXXX but that showed a completed status and XXXX stated I needed to contact my bank. I contacted my bank as the transaction had not shown up. I informed them of what had happened and I wanted to get ahead of the situation before anything could be processed. They stated they could not do anything and I needed to wait until it showed up on the account and to call back the next day. I called the next day ( XX/XX/23 ) as it showed a pending status. I asked if I could do a stop payment and I was told stop payments didn't always go through and the best thing I should do would be to call back after the payment processed and file a dispute. I again informed them of every detail that had happened and wanted to know the best option/route to take for a fraudulent claim. They again told me to call back after the payment had processed and I could file then. 
I called again on XX/XX/23 after the payment had processed as i was instructed to do and tried to file a a fraud claim and was told I could not file a dispute because I initated the transaction and I needed to contact the merchant ( scammer ) to get my funds back. Fifth Third said there was nothing they could do, to which I don't understand why I was told to call back and file after payment had processed or to even try to contact the person who had hacked an account and, made a fraudulent claim to try to get my money back? I thought the banks were supposed to help in cases of fraud. 
I had even went and reported the case on the ReportFraud.ftc.gov website and gave the Report Number to the individual at Fifth Third. Hopefully with the paypal account that was provided they may be able to track down the individual and put a stop from this happening to someone else.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give this corporation written notification to report these items! this is a clear violation of 15 usc 1681b ( 2 )
Product: Mortgage

I have been trying for months to remove the PMI from my mortgage for a year. I filed a complaint with the CFPB against XXXX XXXX and just as I was close to a resolution they sold my mortgage to Chase and I began the whole PMI removal process again. I sent a written request to Chase to remove the PMI as I have met the requirements for removal. As described in my second letter to Chase requesting PMI removal dated XXXX/XXXX/16 I have met the LTV ratio requirement below XXXX % and have no outstanding or late payments. I feel as if Chase is taking advantage of their valued customers. It is appalling.
Product: Mortgage

I have a home mortgage with First Horizon Bank. I received an Escrow Analysis from them dated XX/XX/XXXX informing me that I have an escrow shortage of {$7400.00} which would cause my monthly payment to increase effective XX/XX/XXXX. I promptly mailed them a check for the shortage amount plus an additional {$650.00} because I knew they would be paying for an additional insurance policy premium of that amount. They posted my check in the amount of {$8000.00} to my escrow account. In that I had fully funded the escrow shortage, I expected my monthly payment to remain the same. 

However, on XX/XX/XXXX they took from my checking account the increased payment amount of {$3600.00} rather than the previous monthly amount of {$3100.00}. And they have continued to take from my checking account the increased amount of {$3600.00} each month thereafter. 

I have called their customer service number of XXXX at least twice in XXXX and XXXX trying to get this matter resolved. I was told that this was their error and it would be corrected promptly. On each occasion they have failed to make good on their promise and they continue to take an additional {$550.00} from my bank account each month and place it in my escrow account.