23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

to whom this may concern I would like to take this opportunity to make you aware that XXXX bank has stole money from XXXX XXXX. 
they are refusing to refund him the money
Product: Money transfer, virtual currency, or money service

XXXX contact me requesting money for XXXX XXXX  and XXXX to put in a XXXXXXXX XXXX account that was an error. I went to my bank CHASE to informed that was fraudulent activity error in the accounts and they just stated the money was already cash in XXXX and they did not help me I contact XXXX back and they said the same I need to go to CHASE to find resolution and they say they can not recall the wire transfer due was already cash only accepted after 30 minutes cancelation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters in the mail for a while now about me owing child support money. Im not quite sure what any of that is about because my kids live with me and I have never been put on child support. I also got denied a credit card from XXXX XXXX  due to a low credit score. I have pulled my credit and I saw various child support items and loans on my account that does not belong to me. I strongly believe my identity has been stolen. Please remove these items from my report.
Product: Credit reporting or other personal consumer reports

My credit score is being affected by a charge made by South East finance Toyota after the fact I paid all my debt with them and made a payment XX/XX/XXXX. I was told I would receive a letter stating I paid off the debt. I never received a letter or notification about this or any other payment that needed to be made. After contacting the consumer financial protection bureau, the head of the total loss department of south east Toyota, XXXX spoke to me over the phone on a recorded line and also mailed me saying that the credit situation was fixed, that after further investigation the account had been fixed, closed and the balance was paid in full yet I am still seeing a month or two later a late payment once again being reported from them. My credit continues to be affected and they continue to say I owe them money, which I dont
Product: Credit card or prepaid card

Gift Card has a {$75.00} balance that has never been used - card says valid thru XX/XX/22. Attempted to get a new card reissued, as this card was prepaid, and never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex had a bank account with  XXXX   XXXX  in Arkansas  in 2014 tha t was overdrawn and he never paid it off. I was an authorized user on the account. The amount is {$700.00}. I went to the bank to pay it off on several occasions and they say that my name is not on the account and I am not allowed to pay it off or even make a payment on the debt. But the account is on my report.
Product: Debt collection

XXXX XXXX XXXX is reporting on my credit report to all three bureaus that I owe over {$45000.00} in debt to XXXX XXXX XXXX. They are charging interest and claiming I owe the money I have disputed the debt and asked for validation and was told by XXXX XXXX and XXXX that it was verified and accurate I also contacted consolidated recovery and asked for validation they provided me a contract that I signed on XX/XX/XXXX this debt allegedly happened in XXXX how can I possibly be liable for something that I never agreed to be liable for or something that happened before I agreed to be liable therefore these companies are violating my rights to fair and accurate credit reporting and the FCRA And XXXX XXXX C XXXX XXXX XXXX C XXXX XXXX XXXX C XXXX XXXX XXXX XXXX XXXX Please see attached XXXX showing that these transactions were done in XX/XX/XXXX and a contract they say I signed in XX/XX/XXXX XXXX Cant be liable for something that I never agreed to be responsible for
Product: Student loan

One parent plus loan was opened in XX/XX/XXXX for one of my children at the start of collegiate studies. This loan was to have been paid by my former spouse at the closing of the home we owned jointly. However, that apparently did not occur and some years later I was contacted by the US Dept of Education and told it was still open and now attached to me. I made payment arrangements, despite it being a hardship. I was later granted total and permanent XXXX by Social Security XX/XX/XXXX and, at that time, XXXX NJ began monitoring my ability to obtain and/or maintain gainful employment. After the three-year monitoring period it was found I was not. The loan was in forbearance during the monitoring period. I was subsequently offered, and granted, loan forgiveness by the US Dept of Ed due to total and permanent XXXX in XX/XX/XXXX. At that time, I was informed the loan would be transferred to NelNet for monitoring.  Since I was already at full retirement age, and deemed totally XXXX, I do not know why this monitoring was undertaken at all. However, I cooperated fully with followup notification from Nelnet ; the only followup received being the following year, XX/XX/XXXX, when I received a post-discharge monitoring form, which I completed and returned with the requested information. I heard nothing further from Nelnet. However, the following year I began to receive notice of delinquent payments through credit monitoring. It took a great deal of time and effort to finally reach someone at Nelnet. When I did, the woman with whom I spoke ( in XX/XX/XXXX ) said the delinquent reporting was in error and would be corrected. I again heard nothing further from Nelnet, but in XX/XX/XXXX the account began to again be reported as delinquent via credit reporting. It must be noted that this one account is completely misrepresented as five accounts, reflecting closing dates of XX/XX/XXXX for US Dept of Ed and Nelnet respectively, and XX/XX/XXXX for US Dept of Ed and Nelnet respectively. The fifth entry shows it being open, with the highest balance the same as the closing amounts of the four other entries, as it is of course the very same one loan, but with a significant amount now added. Although Nelnet has never contacted me since XX/XX/XXXX, I sent income documentation to them following my phone contact with their associate last year ( who said this would no longer be an issue ) and now again this year because they are reporting a long-closed account as open and harming my credit to an extreme degree. Although Nelnet indicates receipt of my very detailed letter and documentation, it is now well beyond the 15-day period they indicate they have to respond. The expiration date for this to be completely resolved is listed on the post-discharge monitoring form as XX/XX/XXXX. We are now more than four months past that date, they have all the information they could possibly require, and this grossly misreported loan as being delinquent must be dealt with and resolved immediately, with full restoration of my credit rating and official notification to me that the manner is fully resolved.
Product: Payday loan, title loan, or personal loan

I applied online for a personal loan, and received an email stating I was approved. The email stated : " You areApprovedfor your loan offer ( s ) upon meeting the following conditions : Verification of your identity and addressVerification of your monthly income and review of your expenses* to determine if the loan payment fits your budget according to our lending guidelinesThe value of your motor vehicle to be used as collateral is sufficient according to our guidelines ( secured loans only ) *We will review your monthly income minus your monthly expenses ( such as mortgage payments, auto payments and utilities ). '' I have submitted those documents, but the lender came back and denied my loan due to unrelated items. They stated they declined the loan due to my credit report, which they already had when I received this approval email. I dont think it is right, or legal, to approve me for a loan submitted online based on my credit, then come back a day later and decline my loan based on the same information they had available to them when they approved my loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, MA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute and Removal Request for Unauthorized Hard Inquiries Dear XXXX, I hope this letter finds you well. I am writing to formally dispute several hard inquiries listed on my credit report. Upon reviewing my credit profile, I discovered multiple inquiries that I did not authorize nor recognize. These inquiries are adversely impacting my ability to secure new credit and are unjustifiably affecting my creditworthiness. 
Inquiries : XXXX. XXXX OF XXXX Inquired on XXXX, XXXX XXXX. XXXX Bank XXXX XXXX on XX/XX/XXXX XXXX. Seen XXXX Inquired on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX CO XXXX XXXX XXXX XXXX XXXX. XXXX CO XXXX XXXX XXXX XXXX As per the Fair Credit Reporting Act, I am entitled to dispute any inaccurate or unauthorized information present on my credit report. Therefore, I kindly request that the unauthorized hard inquiries be promptly investigated and removed from my credit report. 
I emphasize the urgency of this matter and request that these inquiries be expunged from my credit report within 30 days. Such timely action is essential to restoring the accuracy and integrity of my credit profile and ensuring fair access to credit opportunities. 
Enclosed with this letter, please find copies of my credit report highlighting the disputed inquiries, along with any supporting documentation that may aid in your investigation.

I appreciate your attention to this dispute and anticipate confirmation of the removal of these unauthorized inquiries from my credit report within the stipulated timeframe. 
Thank you for your prompt assistance in resolving this matter. 
Sincerely, XXXX XXXX
Product: Mortgage

I am filling a complaint because I want to pay my escrow and home insurance and the bank wants to charge me an escrow fee. I have an excellent credit score, never been late. 

Back in XX/XX/XXXX, I went to Santander Bank the Branch in XXXX MA, I brought with me the letter that I received from the bank. Previously I made a request to the bank that since I have excellent credit, and since XXXX I refinanced with them my mortgage it was time for me to pay my property tax and my home insurance without having the bank retain my taxes and home insurance plus the " cushion '' I was told to get out of this I need to pay 0.25 % of my mortgage balance which is a large amount. I had a mortgage balance of {$420000.00} and Santander sent the letter stating that in order for me to get out of this paying my escrow and home insurance I would have to pay {$1000.00}. I was upset and while I was waiting at the branch another customer said he went through the same thing and was XXXX, he refinanced with another bank he said it's like dealing with the XXXX. I spoke with XXXX and we got on the phone with the mortgage and requested to have the escrow and home insurance removed so that I can pay myself. The banker said that it was fine and that I would receive a letter in the mail to confirm it. But when I got the letter i got rejected again. I do not have the money to pay them the escrow fee '' times are rough. I recently sent the Santander bank my XXXX XXXX XXXX Real Estate taxes where you can see my taxes went down to {$2500.00} each quarter see attached. The escrow analysis was reduced by {$5.00}
Product: Money transfer, virtual currency, or money service

I am to formally expressing 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX ; XXXX  XXXX XXXX Balance Owed : {$18000.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX Date Updated : XX/XX/2019
Product: Credit card

This company closed my account in XXXX 2015. They refunded me my entire security deposit and a statement with a XXXX balance was included as it should have been. 2 months later I get a statement from this company with a {$110.00} balance. I wrote and complained and was never given a reply. They have since sold the account to XXXX XXXX collection company. If your trying to rebuild your credit I 'd pass on this company as they have poor customer service and seem to be in some type of cooperation with XXXX XXXX for profit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a fraud report with Experian for the accounts XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. These accounts were charged off and placed as derogatory due to an incident of identity theft back in XX/XX/XXXX. Pursuant to Section 605b, these accounts need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Im little concerned about your METHOD of INVESTIGATION into these 2 accounts shown below. There is no way that these 2 accounts ( Charge-off / Collecitons ) were ever investigated by your company. For example, it continues to report different dates of last active, dates of last reported, dates of last opened, different dates of 1st delinquencies, etc. IT continues to report misleading, incomplete, and unverifiable data, and therefore, its illegally causing this account to re-aged and its in violations of consumer laws like fdcpa, fcra, etc. You can not reported them as such, especially with these inconsistencies on report. Its my understanding under the provisions of the laws that a collection account is by default is LATE and PAST due and it can not be reported a such. Its reporting in violations! Also, I didnt received any IRS notification for 1099c for those charge off account and it continues to report questionable balance, and account status was NEVER updated. I demand an immediate deletion on this account now. THANK YOU! YOURE THE ONLY CRA THATS REPORTING THIS ALLEDGED DEBT! .DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my experian credit report called Capital One Auto Finance account number XXXX ( as seen on my report ) -- I have disputed this and the bureau refuses to remove stating that I need to contact Capital One Auto which I have tried. This account is not mine and according to FCRA, they need to furnish proof that shows my signature on the original purchase document for this account or have it removed from my report. I am still waiting and have disputed more than once. Moreso, none of the information on this account matches any of my personal information aside from my name and my social as far as I am aware.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B says wrong accounts should be taken off credit reports. Please check the documents. Some accounts are wrong on my report, making me XXXXXXXX XXXX sick.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act and XXXX  Account # XXXX XXXX  XXXX, # XXXXXXXX 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: Money transfer, virtual currency, or money service

I had an online friend ( XXXX ) real name he told me was XXXX for 2 years that scammed me with a money flip scam over the internet. He was very persistent and kept telling me he had a really big job as a XXXX XXXX and he made XXXX every 2 weeks. He recently bought a house with a girlfriend and that's why he needed money for food. He first asked for XXXX he was giving me options and finally we settled through XXXX using my bank of America account he got really excited about XXXX. I didn't think at the time why XXXX but now I found out that XXXX unlike XXXX has XXXX fraud protection. He then said this was my chance to make some big money so I should send as much as I can so then I sent XXXX. He said he would give me XXXX XXXX XXXX on Thursday. Then literally the next day he told me to be a good friend again and send him XXXX dollars so he could take a plane ticket to go see his girlfriend because her mom just had a XXXX XXXX and he wanted to be there for her. He said if I didn't help him with XXXX there was no way he would be able to pay me back but if I did give him the money I got get back XXXX  so I thought about it and realized I was already XXXX dollars in with this guy 's scam and was scared because he threatened to not pay me back if I didn't comply so like an XXXX I did again. Right after he scammed me out the money he started avoiding me and blocked my phone number I tried a million times to explain to him that if he needed money he could've just told me and I would've helped him with what I could. But instead he decided to scam me out of all my money and now I feel like an XXXX thinking I could've made XXXX. I tried calling XXXX and reporting what happened but they said they can't do anything about it. I tried telling them that I have proof of what he did and they know both or accounts and the proof coincides with the text messages but they want to treat the scam like its not a scam and I just decided to openly give all my money to someone I've never even met with or he wasn't tricking me to giving him everything.
Product: Mortgage

I bought this house in XX/XX/2021. I was making timely payments of {$1500.00}, even though the monthly payments are supposed to be {$1400.00}. However, a few months after I bought the house, CrossCountry Mortgage raised my mortgage to {$1500.00} and some change. One month, I paid {$1500.00} because I know I paid way more than {$1500.00} on my previous payment ; and they claimed that I was short of the {$4.00} and that was the reason why they sent it to prinicpal. CrossCountry Mortgage directed that payment to the principal, and left that month without a payment. Other major issues with the house itself ( spent total of almost {$4000.00} ) that same year ( XXXX  ) made it a challenge to keep up with the following months mortgage. I have been in contact with Mortgage company to update them on any issues and trying to make payments. I acknowledge that I am one month behind on my mortgage. However, the notices I am receiving in the mail state that I am technically 2 months late, if not more. I feel that CrossCountry Mortgage breached the contract by raising my mortgage payment while failing to notify me of the reason for raising it. I was also under the impression that the mortgage rate would not change throughout the years. Raising my payment without a reason to raise, attributed to a domino effect that placed me in a situation to be behind.
Product: Credit card

On XX/XX/2025, I purchased a XXXX XXXX laptop from Best Buy Online, amounting to {$4200.00}. The laptop was shipped via XXXX with a tracking number, with an expected delivery date of XX/XX/2025. 

The laptop did not arrive at scheduled, disappeared from XXXX system on XX/XX/XXXX, reappeared the next day, and was delivered on XX/XX/2025. 

The box was damaged and it is clear it had been opened and resealed. The box contained a XXXX XXXX XXXX box that had been previously opened and contained 'weights ' to simulate the weight of the laptop. I have the box and have provided pictures to both Best Buy and Citibank. 

I went to a local Best Buy store to report this issue. I was told to open a case with Best Buy. I also opened a case with Citibank, the Best Buy Credit Card provider. A case was opened with XXXX  with the tracking number but I am unable to get a response from them. 

On XX/XX/XXXX I received a letter from Citibank stating that the issue was resolved and credit issued to my account. 

On XX/XX/XXXX I received a letter from Citibank stating that my claim is denied and charged my account. 

I contacted my Best Buy agent via email at XXXX but have received no response to date. 

I contacted Citibank via phone and was told to re-submit my claim, which I did in writing via a letter dated XX/XX/XXXX. 

I feel that Best Buy and Citibank are not acting in good faith. I hereby request assistance to resolve this issue and have my account credited back the full amount.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/AMAZON XX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Details of the Complaint : Account Manager : XXXX XXXX Company : SELENE Finance Account Number : XXXX On XX/XX/year>, I contacted XXXX XXXX, my account manager at SELENE Finance, regarding an overpayment of {$7800.00} that was recorded for property taxes. I provided documentation from the county confirming that the actual taxes were {$3900.00}, and this was the amount paid. I requested a refund for the difference of {$3900.00} and submitted all necessary documentation to support my request.

Since then, I have made over 10 attempts to follow up via email and phone, but I have not received a satisfactory response or resolution to this issue. This delay has caused significant inconvenience and stress.
Product: Credit reporting

I contacted Experian about XXXX XXXX incorrect balance XX/XX/XXXX. They sent me correspondence on XXXX/XXXX/2015 and said that XXXX had been updated the balance reflected a XXXX balance, the balance is XXXX and XXXX XXXX balances remain the same. If they investigated why would they send me back incorrect balances? XXXX XXXX balances are XXXX XXXX, XXXX XXXX, XXXX. Please have them investigate these balances and report correctly. The information they sent me is completely wrong. if they did the investigation they would know that these are all wrong. They should be fined for not reporting correct info on a consumer report.