23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Calling me asking me my medical condition personal information calling my medical doctors and secretaries my information I ask him why he ask them he says we hire ins co we can ask anything we want toI have no income
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This company frauded millions of students out of money for student loans and are nowhere to be found. I have written letters, attempted to call and nothing. This company is out of business and as of recently I was made aware that XXXX is under investigation but the DOJ fir the fraudulent behavior. XXXX, XXXX nor XXXX has verified any of the information that I continue to give to them and this has turned into a literal nightmare! Even the contact info on my credit report is not valid, the number is disconnected with no forwarding number. Even the letters that I sent are simply returned!
Product: Debt collection

Insurance has paid 2 XXXX XXXX XXXX XXXX and they refuse to XXXX refuses to remove them. they keep calling XXXX not the Drs. XXXX and XXXX have it paid XXXX wont fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was fraudulently opened in my name on XX/XX/2016 by TRANSUNION Credit with a current balance of {$400.00}. I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified account must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. I demand this account be verified or removed immediately. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. 
XXXX XXXX XXXX Date Opened XX/XX/2016 Balance : {$400.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was feasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent each credit agency letters stating that the information they are reporting does not belong to me. Each agency is reporting names and addresses that does not and have never belonged to me. 

this is incorrect and needs to be deleted immediately. 
XXXX XXXX XXXX XXXX XXXX I have never lived at these addresses 1. XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 5. XXXX XXXX XXXX XXXX, CA XXXX with all of the fraud and data breeches with the credit agencies I need my information to report legally and correctly on my file. 

I am submitting my id and social please update my name as it stated on these documents.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : Company or Organization : Account Number : XXXX XXXX XXXX XXXX XXXX  Date fraud began : Date that I discovered it : FTC Report Number : XXXX Total fraudulent amount : {$750.00} Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$3400.00} Company or Organization : Account Number : XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$3000.00} Credit Card Opened by the Thief Company or Organization : Account Number : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : {$35000.00} please correct the late payment on XXXX XXXX as it is a violation of 15 usc code 1666b timing of payments, an account can not be treated as late for any reason.
Product: Debt collection

XX/XX/2020 {$250.00}, {$50.00}, {$250.00} There are thee derogatory accounts listed from this agency at the same time and from the same originated company. Two of the charges appear to be exactly the same due to the same balance and company name. The collection agency has not listed what type of account this is or verified that the account does not belong to me. I have tried to reach this agency, however I have not received a response. This was posted to my XXXX  credit bureau record without any prior contact with me. I have no knowledge of the original creditor or the collection company. There is no publicly listed phone number or address for this company. I have filed a dispute against this agency and the three charges they have filled on my account. Also, If the charges were from the same original creditor why would there be three separately filed derogatory remarks if there is only one collection agency?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th 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 an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

certificate of deposit account opened with XXXX  XXXX  on XXXX XXXX in the amount of {$25000.00} A withdrawal in the amount of {$24000.00} made on XXXX XXXX leaving a remaining balance of {$1000.00} plus accrued interest. No other withdrawal made only the posting of accrued interest earned, Last update interest posted on XXXX XXXX. 
XXXX XXXX  merged with Capital one bank in 2007. 
I have contacted capital one bank about the status of my account on XXXX XXXX whom informed me that they had no records and only retains CD accounts for a period of 5 years. I was told to contact the New jersey XXXX XXXX XXXX XXXX. A search in the New jersey XXXX XXXX XXXX XXXX revealed no results. 
I contacted FDIC who insures CD accounts and was told to contact this CFPB.I need assistance in finding out what happened to my funds.
Product: Checking or savings account

I cantadd my pnc bank account to my XXXX XXXX XXXX account. I need to link them together in order to pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX # XXXX, DPT EDXXXX XXXX XXXX XXXX DPT EDXXXX # 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, 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
Product: Checking or savings account

I was supposed to be paid {$1.00}, XXXX on Thursday XX/XX/year>. I still have not gotten my direct deposit from my job and Capital One Bank is not fixing the issue. Now I'm late on bills.
Product: Debt collection

Kohn Law firm acting as an agent for XXXX XXXX hasnt 2 collection files both with agreements to pay {$100.00} per file each month which went in effect XX/XX/XXXX & XX/XX/XXXX. 

The payments have been made online via the collection website. In XX/XX/XXXX the bank account number was transposed and the check was returned. I explained that it was an error and resubmitted immediately. Unfortunately the same thing happened with the XX/XX/XXXX payment. I was contacted by the XXXX XXXX XX/XX/XXXX regarding the returned item. I explained that I double checked and that I would resubmit the payment later that night. He informed me that they would ONLY accept certified funds from me because of the return checks. I explained that that would be a hardship because now I have to pay additional funds to get the funds to pay AND with the US postal system being back logged the payment most likely would not make it in a timely manner and this would result in them harassing me for something I have no control over. I informed Mr. XXXX that if they wanted the funds certified then dont call me when the payment is late. Again the backlog of the XXXX has been in the media for months. I requested to speak to a manager & was transferred to XXXX XXXX who basically said the same them. I explained that Im not trying to run off, I owe the debt and want to make the payments. His said he would forward to the attorneys for the review and then hung up. 

Every demand I have submitted to, again I know I owe the debt and HAVE been making payments and WANT TO CONTINUE to make payments without undue hardship, burden or exposure.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing as I am in the process of purchasing a home once more and discovered on my credit report that XXXX XXXX and XXXX show late payments some years back. I did not have late payments, I ask that the credit reporting agencies promptly provide verification or documentation that there is a valid basis for the claim of late payments on my credit report, or remove these late payment notices from my credit report immediately. 

Specifically, my credit report shows late payments from : XXXX XXXX Customer Service XXXX. XXXX XXXX XXXX XXXX, TX XXXX Late dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Late date : XX/XX/XXXX As referenced above, I am challenging the late payment notices and asking them to be removed from my credit report at the earliest possible date. Thank you for your assistance.
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 Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measure 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 didn't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit card or prepaid card

The following debt collection agency Portfolio Recovery Associates , LLC has sent out a notice regards to payment of over {$11000.00} from XXXX CREDIT CARD on partial account # XXXX I have no knowledge of this debt it is not mine the address on file is not affiliated with me in any way
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX : {$150.00} ; XXXX XXXX XXXX XXXX : {$9700.00}.
Product: Mortgage

Mr. Cooper has been taking money submitted as extra payment on principal and applying it as though it were a normal monthly payment and putting the extra interest in their pocket. I have contacted them at least 4 different times about this problem. Each time I am promised that it will not happen again. 

I have attached my most recent statement which contains a fraudulent accounting. As you can see, the initial monthly payment of {$2400.00} was made on XX/XX/18. From this {$1900.00} as applied as principal payment and {$460.00} was applied as interest. This part is correct. However, the statement also indicates that 2 additional payments were received on that date, one in the amount of {$1500.00} and one in the amount of {$2400.00}. These last 2 postings are fraudulent because, in fact, only one additional payment was made and that was in the amount of {$4000.00}. As you can see in the copy of the attached statement, they then withheld an additional {$470.00} as interest. In other words, they stole {$470.00} from my payment of {$4000.00} and put it in their pocket. 

I have had this problem several times and each time a supervisor has promised to fix the problem. Given that this has happened at least 4 times in the last 5 years, I believe this in an intentional effort on their part to steal money. I have to believe I am not the only one subjected to such fraudulent procedures. I therefore request an official inquiry into their fraudulent behavior. Please advise.
Product: Vehicle loan or lease

I purchased a new vehicle and accepted dealer financing through Honda Financial Services. After repeatedly being thrown off their website when I tried to register for online payment, I called them and found out that an incorrect social security number was used on my account to check my credit history and apply for financing. This means that my credit was based on someone else 's credit history/score at the time of financing. Honda dismissed this as an " error '', but I know my ssn and know I completed my forms correctly. The error was Honda 's. They directed me to send a copy of my Social Security Card and initiate a correction to my file. I will do that, however, their " error '' affects the accuracy of my credit. Their " error '' may have affected my financing terms, there is no way to tell on my part. I believe this is a material deficiency in their financing systems. Other customers should be warned that this may be a problem for them that is not transparent to the consumer and is not easily detected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated them without incident. I also talked to the bank and told them that your bureau continues to report this misleading information. The bank has agreed to remove the late payment in my account. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX  XXXX
Product: Debt collection

I was called by XXXX I received the following voicemail : Federal law designates this matter as a confidential notice for XxxxxxX if this is not XxxxxxxxX please hang up now if this is XxxxxxxX hello unfortunately we received notice on your file it is now XXXX, XX/XX/XXXX and your file has reached our office due to your failure to respond we do need to know was done intentionally or was an oversight I suggest you communicate we are open until XXXX PM today the phone number is XXXX we are asked to see if voluntary communication XXXX I apologize for the aggravation but again we only did just receive this notice to pay online go to www.directrecoveryservices.com and click on the pay now week your account number is XxxxxxxX I went to the website and put in my information. It did not work. I called the above number XXXX. A woman answered, identified my name, asked for my address, and said that I owe XXXX {$270.00}. I told her that I am certain I paid off my XXXX account and I dont see it on my credit report either. I told her I will double check and call back later. She laughed at me and said, Later? ( XXXX ) No, this needs to be handled NOW. I proceeded to tell her to XXXX XXXX XXXX and hung up.
Product: Credit card or prepaid card

I paid my capital one quicksilver credit card using my capital one 360 account and it triggered a fraud lock on my account. Both accounts are on my capital one app. This has been happening for the past three years, every few months. I have called and asked them to stop doing this because restricting my card has dangerous effects. I was once stranded in the city with now way too get home because I didnt have use of my card and could request an XXXX, pull cash or purchase a XXXX  card. When I asked why this was happening, I was told that I am paying my credit card bills too fast and too often. I am sick of this stupid card and the time it wastes every time I have to call on to unrestrict it. If I could closed all the capital one accounts without it affecting my credit score, I WOULD!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX CRA : Equifax Credit Information Services Address : XXXX XXXX XXXX XXXX, GA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of Equifax, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the inquiries and personal information listed below : Inquiries : 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 XXXX XXXX XXXX XXXX I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give Equifax furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. 
Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; as of now, you are not doing that. I look forward to Equifax resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. 

Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

They need to remove the XXXX XXXX XXXX and bankruptcy do to fraud commented by the creditors. Illegal foreclosure. Led to bankruptcy. I lost $ XXXX do to this
Product: Checking or savings account

Subject : Failure to Resolve Dispute and Unauthorized Charge Capital One Complaint : On XX/XX/2025, I attempted to make a {$170.00} payment to XXXX using my Capital One account. The first transaction did not appear to go through, so I processed a second payment, which was successful. However, my bank statement shows that both transactions were withdrawn from my account. 

I filed a dispute with Capital One on XX/XX/2025, and on XX/XX/2025, they refunded one of the {$170.00} charges. However, they failed to refund the second {$170.00} charge, even though XXXX has confirmed that they did not receive it. 

I visited a XXXX  store and reviewed their sales records for that date, which showed only one payment was received. The store manager even provided me with a business card and was willing to confirm that XXXX never received the first disputed transaction. However, because the {$170.00} payment that XXXX actually received was disputed, they are now billing me again for that amount. 

Despite my repeated attempts to resolve this, Capital One has failed to refund the second {$170.00} charge. Under the Electronic Fund Transfer Act ( EFTA ), Capital One was required to investigate and respond within XXXX business days or issue a provisional credit while investigating. It has now been well over that timeframe, and I am still without a resolution.