23daVinci/CFPB_Complaints huggingface dataset:
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-CGPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the Federal Law and provides consumers with the necessary proof of investigation.
Product: Debt collection

I own a home that I bought in XXXX right before the pandemic that has an HOA attached to it. Due to a period of financial hardship at XXXX point in time and lack of understanding of how to pay the HOA along with the mortgage I got behind on the HOA payments. I thought the HOA payments was included in the payment of the mortgage. They are paid separately. By the time I figured it out ( about a year later ) and was ready and able to make the HOA payments, XXXX XXXX XXXX XXXX had already sold the debt to XXXX XXXX XXXX, XXXX located in XXXX, XXXX. XXXX XXXX XXXX sent me a statement in the mail and by email how much I owed to return my account back to good standing. The total amount owed at the time the statement was sent was {$2400.00} on XX/XX/XXXX. Since the beginning of XXXX I have been sending in payments monthly to pay off this debt ranging from $ XXXX {$900.00}, however instead of the debt going down XXXX XXXX XXXX continuously adds predatory fees to which the debt never goes down. Even though I have been paying monthly for the last XXXX years the total debt now owed is {$4100.00} instead of paid off and back in good standing. I have received in the mail their statement that if the debt isn't paid they will try to seize my property even though I have been religiously been paying to get rid of this debt. I have also kept receipts. I have emailed and have been in constant contact with XXXX XXXX who works for XXXX XXXX XXXX to resolve their predatory practices to no avail.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Portfolio Recovery A XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX
Product: Money transfer, virtual currency, or money service

On XXXX a XXXX transaction was made from my Bank of America checking account to XXXX account " XXXX XXXX XXXX '' in the amount of {$120.00} This payment was fraudulently accepted as no goods or services were exchanged. 

I contacted Bank of America immediately to open a claim. On XX/XX/year> I received a written response back indicating that there was nothing they could do about receiving the funds and suggested that I contact the payee directly. 

I have called and texted " XXXX XXXX XXXX '' on several occasions without a return call or message back. 

On XX/XX/year> I called Bank of America- they again indicated there was nothing they could do to assist on recovering the funds.
Product: Student loan

I recently learned that Navient settled millions of dollars, for illegal and unethical practices, and had to forgive the loans of affected borrowers. During this time, Navient did not notify me, but instead transferred my loan to XXXX. I recently filed a complaint because I'm trying to find out the status of my private loan when this occurred, however, Navient stated that XXXX has that information. In conversations with representatives from XXXX, prior to my initial CFPB complaint, I was informed that they did not have this information. 

With that said, I'm requesting clarity on whether or not I was an affected borrower when the settlement took place. What was the status of my private student loan, as it relates to this case, before it was transferred to XXXX for servicing? I need to know this information before moving forward, if I need to move forward, with XXXX.
Product: Checking or savings account

I was charged on numerous dates while my card was either locked or balance was to low I called several times and was told theres nothing they could do
Product: Debt collection

I summitted an official complain to Attorney State General Office.

This collection agency is lying to CFPB and the Justice Court. They dont provide original documents requested 1. Proof that you are legally authorized to collect this debt and qualify as a debt collector under 15 U.S. Code 1692a ( 6 ).

2. pay.

A copy of the original agreement with my signature showing I have a legal obligation to 3. A full accounting of the alleged debt, including the original balance, any fees or interest, and a breakdown of how the amount was calculated.

4. Proof of your legal authority to collect this debt in my state.

Until this information is provided, I will consider this debt unverified and request that you cease all collection activities in compliance with federal law. Additionally, under 15 U.S. Code 1692c ( c ), I request that all further communication regarding this matter be made in writing.
Product: Consumer Loan

CBC Innovis/First direct Lending I have tried working with my creditor in regards to an Inquiry. I have disputed Inquiries twice with the bureaus and extended the process two times, 30 days each time. The bureaus have sent letters to me saying to dispute it with my creditor. I have not had any responses from the creditor. My creditor has not responded to my letters. Therefore, I have reached an impasse with the creditor and need your help.
Product: Debt collection

a male recorded voice calls two and three times a day and when I spoke with them they wanted money over the phone for a bill collection I do not owe, I filed bankruptcy in XX/XX/year> and discharged in XXXX. He wanted personal information, told me that i owed it and need to give him a credit card over the phone to stop him from calling. He is in a different state, and did not mail me a copy of the bill I am supposed to be late on, however I am not. they have not stopped and it calls two times back to back even after I have blocked them and told them to stop
Product: Payday loan, title loan, or personal loan

I had taken a personal loan on XX/XX/2022 for {$5800.00} and i paid it off XXXX XX/XX/2022. When my refinance company paid it off {$5700.00}, NET CREDIT told me i still owed {$650.00}. So i sent a check for {$650.00} along with the {$5700.00}. 
i had contacted Net Credit the following week. and the women I spoke with told me they were cancelling the check. This check was cashed ar my bank on XXXX XXXX XXXX i called Net Credit and told them the check was cashed after telling me it would be cancelled. They told me thaT the check was not cashed. I then sent them proof from my bank it was cashed. Then they told me the check was applied to my loan. I have been trying to get a amount of the payoff. they continue to tell me it is paid off. i wan a account statement the amount of my pay off and the amount I paid on interest I requested this 3 times and all i get is the loan is paid off! no amounts ere given to me other then don't worry loan is paid off. It seems really really odd thar they don't want to give me numbers and the {$650.00} checked canceled then cashed.
Product: Money transfer, virtual currency, or money service

I had a fraud claim back in XXXX keeps getting denied for no vaild reason and out of the blue Cash app sent me an email on XX/XX/XXXX and XX/XX/XXXX stating that they didn't have all the information which I sent information and the case was entered incorrectly. I was in a batter womens shelter.. 
XX/XX/XXXX -received an email from cash app requesting information XXXXreplied with the new information XX/XX/XXXX - received another email requesting information questions XXXX questions XXXX optional XX/XX/XXXX replied with the new information again XX/XX/XXXX received email XXXX appeal.to reopen account XX/XX/XXXX I replied stating this is fraud transcations not a case to reopen my cash app I WAS IGNORE XX/XX/XXXX your appeal.to reopen your account was denied XX/XX/XXXX -I replied this is fraud transcations with the new information A NEW CASE WAS NEVER ENTERED WITH THE NEW INFORMATION IT WAS ENTER INCORRECTLY AND BY LAW XXXX0 BUSINESS DAYS A PROVISIONAL CREDIT IS TO BE ISSUED. ITS NOT MY FAULT A NEW CASE WASNT ENTERED CORRECTLY -- AGAIN CASH APP EMAILED ME STATING THEY HAVENT RECEIVED ALL THE INFORMATION REGARDING MY CASE Before you go answering a complaint please make sure you read all the details concerning the new information. AGAIN CASH APP SENT ME EMAILED STATING HAVENT RECEIVED ALL THE INFORMATION FROM XXXX ON XX/XX/XXXX AND I REPLIED WITH THE NEW INFORMATION AND ATTACHED A LETTER FROM THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
How do you denied a fraud claim when you cash app admits to not having all the information and when I sent the new information case was put in the system incorrectly. I still haven't received any further explanation of the denial and I have asked several times and no one has because cash app can't because there is no reason why it got denied. 
I still haven't received any further explanation of the denial and I have asked several times and no one has because cash app can't because there is no reason why it got denied. I would like to know how cash app can compare fraud to fraud transcations because the list you sent to compare transcations are fraud transcations your customer service rep didn't entered the fraud claim correctly to begin with they only entered 2 transcations they are 19 of them. Cash states they have secruity measures in place to prevent anyone adding a card to an account that's not in the accounts holders name well that couldn't be true because if they did I wouldnt be here filing a complaint with cash app now would I. I have already spoke to attorney and he is ready to take yhe case on because I have evidence time stamped and dated that cash app.has no reason. To denied my claim.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Request to Reinstate My PayPal Account - Unjust Limitation Dear PayPal Support Team, I hope this message finds you well. I am writing to address the recent limitation imposed on my PayPal account and to request its immediate reinstatement. I am currently facing significant difficulties with my business, and this limitation has only exacerbated the situation. 

Firstly, I would like to clarify that I sell my own brand of bilingual learning toys for children. Each order is diligently shipped with tracking via USPS to ensure transparency and accountability. I have maintained a strong track record of satisfied customers and prompt deliveries. 

It deeply troubles me that my PayPal account was limited without any apparent reason or warning. I have always complied with PayPal 's policies and have never engaged in any fraudulent or unethical activities. I humbly request clarification on the specific reason behind this limitation so that I may rectify any misunderstandings or address any concerns.

My wife and I are devout XXXX, and we are currently facing tremendous financial strain, especially with the impending arrival of our baby. The absence of PayPal as a reliable payment gateway has significantly impacted our ability to sustain our business during these challenging times. 

I kindly implore the PayPal team to reconsider this limitation and reinstate my account promptly. My intention has always been to provide high-quality educational products and foster a positive learning experience for children. I genuinely believe that my business aligns with PayPal 's values, and I am committed to adhering to all guidelines and policies moving forward. 

Your understanding and prompt attention to this matter would be immensely appreciated. I sincerely hope for a favorable resolution that allows me to resume my operations and support my growing family. 

Thank you for your time and consideration. 

Warm regards, XXXX XXXX XXXX XXXX
Product: Mortgage

It all started in XXXX when my X-wife declared bankruptcy in federal court in XXXX FL. 
At no time was i evendence from attorneys in XXXX XXXX FL. stating i owed {$32000.00}. When I contacted them i was told only PHH Mortgage was to be contacted, which i did. They refereed my back to the Attorneys which i did. Then i get a pre-foreclosure. Contacted them again and once again was refereed back to PHH. they would now not returned phone calls, And when they did talk to me they said they had NOTHING with my name on it. I then sent them a copy of the Mortgage, Deed and certified order from from the Federal Court by fax and certified Mail twice and other documents. They told me I out of luck and my only option was foreclosure. For over 6 months they denied me any access to the mortgage. always stating i will not accept payment from me that was i think XXXX of XXXX. fast forward 5 years going 6 and PHH sold mortgage to XXXX and XXXX sold it to XXXX and the XXXX sold it back to XXXX. and every time we start over. a {$28000.00} mortgage went {$3200.00} in XX/XX/XXXX to who knows how much now. I have spent tens of thousand over mortgage all because PHH would not accept my payments. I have always said pay the debt but Phh refused. I AM ON THE MORTGAGE SINCE I BOUGHT THE HOUSE I am XXXX years old and this is not right. Sue could use some help
Product: Credit reporting

I never received any bills nor any calls as the dealership incorrectly attached my old address and phone number to my account when they submitted it to the finance company. ( I previously bought a car with them before buying another XX/XX/XXXX ) I has an issue with the dealership for selling me a car with bare tires when per contract it was supposed to be Certified. This was corrected in XX/XX/XXXX/XX/XX/XXXX and I was told I would get a refund on my insurance that I bought and I would not have to make a payment until the tires and bearings were fixed. I have made a payment every month. I have never been late. I relied on the word of the car dealership and now my credit report shows that I have been late paying for about 6-7 months. I just received confirmation that these late payments were taken off of my Equifax report. These are affecting my other reports as well. I have been fighting this for some time now. If there is anything you can do to get this straightened out on all of my reports, just let me know. I appreciated any information or assistance.
Product: Credit reporting or other personal consumer reports

I am disputing the reporting of a derogatory account by XXXX XXXX on my credit report. The account details are as follows : The account was opened on XXXX. 
The last payment was made on XXXX. 
The account had a credit limit of {$XXXX} and was closed on XXXX with a {$XXXX} balance. 
The account status is reported as derogatory, which is negatively affecting my XXXX XXXX. 

I do not understand why this account is marked as derogatory, especially since the balance was {$XXXX} when the account was closed. I have not received any notice or explanation regarding this status. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor XXXX invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ).

I am requesting an investigation into this matter, as well as an explanation or correction of the derogatory status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. 
But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted
Product: Credit card

I noticed on my capital one card that I was being charged twice for interest once for regular that was fine and then I noticed that I am being charged for cash advances when I have never received cash back or ever went to a Bank or ATM There are XXXX fees and I never went and got any cash advances out and they have been charging me interest on this since XXXX of XXXX  when the account was open and I never received any cash on any purchases the guy a manager told me a cashier or store can charge your card as such?? I have never heard of such a thing. This is a sneaky and I don't need charges for something I never did and on each one of my statements on the front show no advances. XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/2017 I was contacted by a company called XXXX XXXX. They told me that they have been sourced by the government to help implement an Obama administration debt relief program. I was explicitly told that by signing up with them they would consolidate my student loans and turn my monthly payment towards my loan into one third of the price of what it had been. I was explicitly told that after making this smaller monthly payment to XXXX XXXX for 4 years my loans would be paid in full. I was explicitly told that these monthly payments would be put towards the towards the principal of my loan. They said they were part of a government program. I received paperwork that was intentionally misleading. I have made the smaller monthly payments to XXXX XXXX for 12 months now. I was contacted by my student loan servicing company recently and told that my payment was past due. 

After communicating with the student loan company it became clear that no money had been put towards my loans in the past 12 months and that the company XXXX XXXX is a scam. I called XXXX XXXX to clarify the situation and cease payments immeadiately. I was told that they had nothing to do with my loans and are not a part of the government. It was explained to me that a bank called XXXX XXXX XXXX  had submitted a debt consolidation form to my loan company on my behalf and charged me a fee for this " service '' ( this is free to do on your own behalf through your loan servicer ) and that XXXX XXXX had purchased the loan from this bank and I am now paying off the new loan. When I communicated clearly that authorization for automatic payments has been withdrawn they refused to provide me with documentation that they had adhered to this cancellation and threatened me that if I stop these payments they would not just " go away ''. 
When I contacted the company, they said my file was incomplete & they needed more information. Every time I contacted them ( even after submitting all the previously requested information they needed ) I was told they always needed something else. I have paid {$440.00} to this company ( XXXX XXXX ) and owe {$1100.00}. And they have done nothing on my behalf to settle the student on debt. The contact number they have online is fake, when you call, it immediately disconnects. XXXX & the number used in email messages does not work either XXXX, the person that I would correspond with, his name was XXXX XXXX.
Product: Checking or savings account

I attempted to withdraw {$400.00} from XXXX XXXX chime ATM but the machine declined the transaction and issued me a receipt without dispensing any cash. 
When I went back online to check my account it's being debited with the said amount. I tried to recover this with chime and they keep telling me it's a valid transaction. 
I am still unable to get my refund for the {$400.00}
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. 

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 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: Checking or savings account

It was deeply concerning and alarming that a bank would deny me the opportunity to open an account based on my XXXX XXXXXXXX. Unfortunately, discrimination based on race is still prevalent in society, and it was completely unacceptable. It was appalling to imagine that i would have been subjected to such hurtful language and denied a basic service simply because of their XXXX XXXX. 

, its a clear violation of both ethical and legal standards. Denying me access to banking services based on my race is illegal under federal law, and Truist bank engaged in such discriminatory practices & should face serious legal consequences. 

Moreover, being called racial slurs is an act of racism that is causing me deep emotional pain and distress. I feel hurt, angry, and disappointed that i was treated unfairly and differently than other consumers. 

It was the bank 's management XXXX XXXX that called me out of my name using the word ( XXXX ) and had me removed by authorities unlawfully. A police report was conducted and was documented about the event of discrimination. Additionally, Im seeking support from organizations that specialize in fighting against XXXX discrimination. 
Im hurt and distraught from this event and dont know if I can recover
Product: Credit reporting or other personal consumer reports

XXXX accounts shows as closed and charged off yet experian transunion and XXXX still has this listed on my credit from XXXX and XXXX XXXX XXXX. Publication XXXX explains the federal tax treatment of : Canceled debts. 
Foreclosures. 
Repossessions. 
Abandonments. 

If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. Income is not authorized to be placed on any person credit. 

Also I have an unknown creditor reported on my credit report as well from XXXX XXXX XXXX. This creditor has violated my rights under 15USC 1681 Section 6o2 states I have the rights to privacy.15USC 1681 it also states a consumer report agency can't furnish an account without my written instruction. Sunrise credit service is not the original creditor XXXX XXXX XXXXXXXX XXXX I do not owe XXXX XXXX XXXX