23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage in XXXX of XXXX from Bank of America to another company. Bank of America 's system confirmed receiving the payoff for my current mortgage on XX/XX/XXXX. Even though the loan was paid off on XX/XX/XXXX and no longer existed, Bank of America withdrew my monthly payment from my account on XX/XX/XXXX in the amount of {$1800.00}. 

XX/XX/XXXX - XXXX Bank of America when I noticed the errant withdrawal. Bank of America notified me I would be receiving a check for the amount within 10 business days. 

XX/XX/XXXX - Called into Bank of America as I had not yet received the check and initially Bank of America claimed the payment had been returned. The matter was escalated to their 'Payments Team ' which after taking a closer look confirmed that the payment had not been returned. I was informed by Bank of America 's agent that they would expedite the return of the payment and I should receive it in 3 business days. 

XX/XX/XXXX - After not having received the returned payment I went into a Bank of America center to speak directly with a representative. The representative called into their employee system to resolve the issue. At first the agent in the system said that the payment was moved into an escrow account and demanded I provide evidence of the form of payment from the refinance before they would release the funds ( information that no customer would have as those payments are handled directly between mortgage companies ). The representative at the physical location then escalated the matter to the agent 's supervisor. The supervisor identified the problem and claimed the funds would be processed and mailed out in 3 days and I should receive the check within 10 business days of that. I requested the funds be expedited or wired into my checking account ( with Bank of America ), the supervisor refused. I asked at the latest when I should expect to receive the check by mail and the supervisor said XX/XX/XXXX. 

XX/XX/XXXX - After again not having received the funds by the promised date I called into Bank of America to ask where my funds were. The agent on the phone claimed that the funds were not processed and mailed out until XX/XX/XXXX and that the funds were in the mail. 

XX/XX/XXXX - Still having not received the funds I called into Bank of America yet again. I immediately asked to speak to a supervisor and was denied. The agent claimed that the Bank of America system does not allow an agent to escalate a call but rather that he would take my information down and have a supervisor call me back later that day or the next. 

Today is XX/XX/XXXX. As of this weekend it will mark two and a half months since Bank of America errantly withdrew {$1800.00} from my account for a mortgage that was already paid off. I have contacted Bank of America 5 times and have spent 7 hours either at one of their Financial centers or on their phone system and have gotten absolutely nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This 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 CFPB 's findings indicate that Zelle has 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 or other personal consumer reports

I have pulled my consumer report and see that there's a collection account on my consumer report. I do not recognize this creditor. According the FCRA under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

A creditor needs my written consent to add anything to my consumer report, if I did not give this authorization that is a violation of the Fair Credit Reporting Act I have not given any verbal or written authorization for this reporting. The claimed original lender on the reporting says " XXXX XXXX ''. I do not owe XXXX XXXX as I have a official court ruling stating there's no balanced owed to this original creditor. Where is the information coming from?
Product: Credit reporting or other personal consumer reports

Concerns About My Personal Info Being Shared Without Permission Hello, I hope you're doing well. My name is XXXX XXXX, and I need to talk to you about something important regarding my credit report. 

I noticed that some of my personal information was shared with another party without my permission. This doesn't seem right, and I believe it goes against the rules in the law ( 15 U.S. Code 6802 ) about sharing personal information. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to know and control who accesses my personal details. The fact that my information was shared with someone not connected to your agency raises concerns about my privacy rights. I never had the chance to say no to this, which the law requires. 

I want to be clear that my concern is not with the companies I owe money to but with your agency for sharing my information without asking me. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal information. Since I haven't given that permission, I'm asking you to show proof that I agreed to it. If you can't, it might mean a violation of FCRA rules.

I've already reported this to the Federal Trade Commission ( FTC ), and my complaint number is XXXX. I'm worried that this unauthorized sharing might be a form of identity theft ( 18 USC 1028a ). 

I officially request you to remove the following accounts from my credit report within XXXX business days : XXXX XXXX - Account Number : XXXX ( this account has multiple errors from XXXX to XX/XX/2022, showing a repetitive late payment of XXXX days, violating 15 USC 1681eb and inaccurate reporting ) XXXX Account Number XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX I have the right to fair and accurate credit reporting, and fixing these mistakes is crucial for the accuracy of my credit report. 

Also, I need you to explain how you verified that the information you have is accurate and that I had the chance to decline it. This is important for fairness and accuracy in credit reports. 

I hope we can resolve this matter within the specified XXXX business days. If not, I might have to consider legal action. 

Thank you for addressing this promptly.
Product: Debt collection

I sent out a verification debt letter to Credit Corp Solutions on XX/XX/XXXX. I requested proof of debt and ownership of the collection they claimed I owed, which is {$2100.00}. As of XX/XX/XXXX I have not received any communication from them, any substantiation or form of verification of debt.
Product: Credit reporting or other personal consumer reports

The account was charged off in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the account was sold. Experian reported XXXX since XXXX of XXXX and suddenly in XXXX XXXX XXXX  reported as a Charge Off. a dispute was filed with Experian in XXXX of XXXX and the result was retro reporting of a Charged Off account since XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Items that have resulted from fraud which I never benefitted from are being reported on my credit. These are already reported to the Federal Trade Commission but are not deleted from my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for Search failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal laws. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of dispute. Furthermore, equal facts actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), ask 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 proof of investigation. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1700.00}
Product: Mortgage

PNC Bank, XXXX, Ohio. XXXX. I have never been late with any payments in the 12 years I have been paying PNC. After trying to refinance with the company and getting an appraisal of over twice the value of my home I was denied. So starting in XX/XX/XXXX after making my monthly payment of {$800.00} XX/XX/XXXX I decided to make a Principle only payment on line XX/XX/XXXX of {$1000.00}. When I looked at my account I noticed they applied only {$470.00} to principle and {$520.00} to interest. I called them and they said they would correct it and that it might be best to mail in the principle payments with a check showing principle only on the check ... well it never happened on there part. I made my monthly payment again XX/XX/XXXX of {$800.00} and mailed in a Principle payment of {$1000.00} on XX/XX/XXXX which I wrote on the check and the statement portion PRINCIPLE ONLY. When I checked my statement again it showed they applied only {$680.00} to principle and XXXX to interest. I was going to give them one more month to get this right so again I paid my monthly payment on XX/XX/XXXX of {$800.00} and another Principle only check mailed in with Principle only wrote on it in the amount of {$1000.00}. This time they applied {$140.00} to principle, {$130.00} to interest and {$720.00} to late fees. I was in shock. I have tried calling them to get this taken care of but get the run around. This makes me wonder what they have been doing to me the first 11 years when I didn't even look at my statements. I have also been trying to get them to let my wife handle this matter since she handles all the bill paying and they always give the run around about having me to authorize her to handle it which I have done dozens of times on the phone. Let me also add that they apply different amounts to the principle with my normal monthly payments. Like XX/XX/XXXX principle was {$220.00} interest was {$570.00}, XX/XX/XXXX, principle was {$1.00}, interest was {$790.00}, XX/XX/XXXX principle was {$390.00}. XXXX and interest was {$400.00}. All of this is so wrong. Please be advised of a CROOKED company. My balance has only gone down in principle since XX/XX/XXXX till now {$2200.00} with them receiving {$5400.00} from me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) to inform the Experian, XXXX and XXXX Credit Bureaus that I have been a victim of identity theft. After conducting some research, I discovered the necessary steps to address this issue. To remove the fraudulent inquiries from my credit report, I need to file an identity theft report with the Federal Trade Commission ( FTC ). You can find more information on this process at their website : https : //www.ftc.gov. According to the Fair Credit Reporting Act ( FCRA ) section 605b, Credit Reporting Agencies are obligated to remove and block any inquiries listed on an identity theft report. I have attached the relevant documents to aid in the removal of this erroneous information that has been posted on my report. Below is a list of inquiries that are not associated with me and were opened without my permission : EXPERIAN : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. Also, according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I have had a Yard Card Credit Card through TD Bank since XX/XX/year>. I have made every payment on time. I recently started receiving calls from them saying that I have missed two payments. I told them the dates the money was withdrawn from my account to pay the bills. They recommended I call my bank, which I did. My Bank confirmed that the money was withdrawn from my account and deposited into TD Banks Account. I started to wonder if it was a scam because the number I was called from was not associated with TD Bank online. I called TD Bank and they also stated they were not familiar with the number. I looked at my Yard Card statements and the new statement stated I was late two months as well, which Im not. When looking over my statement, I realized that they changed my account number without notifying me. I tried to call yesterday and tell them this and waited on hold for 40 minutes. I was contacted today by the number that was unfamiliar with TD Bank and pretty much told the guy off without giving any info. I attempted to call them and resolve this over the phone today and was on hold for an hour before I finally gave up. I have been charged late fees and I wouldnt be surprised if they reported this to my credit. I am at the point where I am going to pay the card off in full so that I never have to deal with TD Bank again. This is the last resort before I go to a TD Bank in person to pay off this bill which I shouldnt have to do. I have proof the bill was paid every month and I have proof they changed my account number without my knowledge and/or consent.
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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution procer 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 a riate redress 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 redressl for these violations.
Product: Credit reporting 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  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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 XXXX 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 or other personal consumer reports

I'll attach my identity theft victim affidavit from the IRS and my identity theft report from the FTC to this form. Multiple accounts compromised. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX And any other inquiry between XX/XX/XXXX to XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : - *XXXX XXXX** : Account number - xxxxxxxxxxxx XXXX - **KIKOFF LENDING LLC ** : Account number -xxxxxx XXXX -**XXXX XXXX XXXX** : Account number- xxxxxxxxxxxx XXXX -**XXXX XXXX** : Account number -xxxxxxxxxxxx XXXX XXXX XXXX XXXX : Account number- xxxxxx XXXX XXXXXXXX XXXX XXXX** : Account number- xxxxx XXXX XXXX XXXX XXXX my XXXX report on XX/XX/year>, I identified incomplete and inaccurate information. Under 15 USC 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report.

Moreover, according to 15 USC 1681i, if a consumer disputes information, the agency must promptly investigate. If the information is found to be inaccurate or unverifiable, they are obligated to delete or modify it and notify the furnisher of the changes. Additionally, 15 USC 1681s-2 mandates that furnishers must not provide information to consumer reporting agencies if they know or have reasonable cause to believe that it is inaccurate.

My rights under the FCRA have been violated, and I request immediate action to correct these inaccuracies.
Product: Vehicle loan or lease

I am writing today in regards to my account with GM account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting or other personal consumer reports

A debt collector ( Rent recovery solution ) posted a debt on my credit history 2 years ( in XXXX  ) ago. I called them to inquire about the debt and I was told that It was for a rent that I didn't pay at my former apartment- XXXX XXXX  at XXXX XXXX XXXX XXXX ( previously known as XXXX XXXX ). They requested for evidence and I sent them all my monthly rent payments till the month that I vacated. Also, I forwarded the my 60 days notice that i sent to the apartment in addition to the uhaul receipt for the XXXX i used in moving my belongings out of the apartment. Upon investigation, they removed the debt from my credit history since the property couldn't tell them the exact month i was owing. 
Last month, I noticed that a report was made on my credit. When I checked, I noticed that same debt collecting agency has reposted same debt from 2 years ago. I called them to understand why it was posted and they couldn't provided any cogent reason. I was told that the apartment management said the debt was valid. I asked them to tell me the specific month that I was owing but they couldn't. I had to inform them that I supplied them with the evidences showing that I was not owing 2 years ago and they removed the debt. Since then, the debt agency hasn't been able to tell the specific month this debt was for so i can provided my receipt. The debt is still on my credit history.
Product: Credit reporting or other personal consumer reports

Debt was charged off therefore making it a certificate of indebtedness. According to IRS, Certificate of indebtedness is considered income and eligible for removal from my credit report
Product: Credit card or prepaid card

Made a payment on Wells Fargo credit card which showing as posted on WF site as XX/XX/XXXX. As of XX/XX/XXXX payment still does not reflect in available credit line. Made another payment that is showing on their site as received on XX/XX/XXXX. Was not not included in available credit until XXXX First payment was for {$10000.00} There was absolutely zero discourse during the payment process ( have screen shots ) that hold on an electronic payment can be up to 15 days. There is a warning that it can take up to 4 days to fully process the payment. The only solution they offered is to provide them copy of the bank statement showing that payment cleared our account. Both payments were made electronically. How is that possible that one of the largest bank in the US is not capable of knowing whether they got funds thru an ACH??? Our account information is a private matter. Wells Fargo has no need to request it since ACH was used. It is not the only card we have, but it is first time we are having that kind of problem. Having to verify an electronic payment that came from another major US bank in order to release an access to the credit line.