23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX Cashapp took money on XX/XX/XXXX when I made deposit. When asked about the missing money I was given a vague answer to why the money was missing and I had to probe for further details and when they provided the details I further disputed it because there was no transaction that happened to prove their claim. When I asked to further the dispute it took them a month and everytime someone answered my question they had me start the process of explaining the situation all over so that I could never get my issue addressed. It was close to XXXX XXXX that went missing and the transaction they claim that was put back into my account was only for {$63.00} and they won't acknowledge the issue or give me further information about the missing money
Product: Credit reporting or other personal consumer reports

These accounts are not mine. I have contacted the credit bureau ( XXXX ) multiple times, I have submitted a FTC identity theft report as well as filed a complaint with my State Attorney General. These are fraudulent accounts. Please remove them from my report ASAP. Please note none of these affirm accounts show up on my XXXX and XXXX report as they are aware these don't belong to me. Thank you.
Product: Mortgage

This was supposed to be resolved through the prior complaint with this organization which i believe was XXXX I had my bank wire the agreed funds to Nationstar. Yesterday, i received a check back from nationstar in the amount i wired and an additional collection letter.
Product: Money transfer, virtual currency, or money service

The past several weeks PayPal has refused to transfer money in my PayPal to my bank. They have no problem receiving money but won't release money. I've repeatedly both called and texted there customer service dept rather than allowing me to speak or chat with an agent they email me a link to there index of ( so called ) solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX of the credit monitoring companies have penalized my credit score due to lack of installment loan. I had a car lease and loan with XXXX. I sent a notarized letter from XXXX stating that I paid off my lease and loan with them. All of the credit monitoring companies responded to my recent complaints as follows : information was not reported by XXXX I was straightening out some files today and found old credit reports from Experian and XXXX that have XXXX reporting my car lease/loan. Please tell me why my credit score is docked when XXXX reality they always had this information. Why do I not have a perfect score when I break my back to always pay everything off and on time {$0.00} statement balance.??? Sources XXXX XX/XX/XXXX confirm # XXXX p. XXXX and Experian XX/XX/XXXX report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX  Account INQUIRY DATE : [ XXXX XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$1300.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$160.00} XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX  XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

I been receiving telephone calls of harassment, profane and vulgar language and threats of being sent to jail and prison from Source Receivables Management representatives in regards to a debt owed to XXXX XXXX XXXX XXXX XXXX  in the amount of {$270.00}. The debt is a fraudulent debt, not my debt and is the result of identity theft. Source Receivables Management is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law. The account or debt isnt my account or debt.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumers Financial Protection Act ( CFPA ). Specifically, cash app filled to take timely, and efficient 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern ; I have reached out to all 3 credit bureaus because I checked my credit report and I have noticed unknown, unauthorized, and unrecognized inquires on my report from the following companies and I want them removed from my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  RI XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, MA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX
Product: Debt collection

today i received from my credit monitoring an email that stated i have agreed to a new inquiries on my credit report when in fact i have no notice at all. on all three credit company 's.
New Inquiries Inquiries that were generated when you authorized a company to request a copy of your credit report.
XXXX XXXX XXXX XX/XX/2017 Date Reported : XX/XX/2017 Business Name : SARMA - MORTGAGE DEPARTMENT XX/XX/2017 Date Reported : Business Name : SARMANCS XX/XX/2017 Date Reported : XX/XX/2017  Business Name : SARMA NCS
Product: Checking or savings account

on XX/XX/2020 fifth third bank took XXXX out of my savings, and took XXXX out of my checking. I have been banking with them for years and they have never taken anything from my accounts for this " credit line ''. they say it was for a credit line that was not paid. but I know I paid it and they're saying they have proof I did not but not proof I did. they took everything I had except for XXXX cent in all my accounts. they have erased other transactions I've tried disputing before also, and I've heard of them taking other people 's money before also. This ruined my life as of now, making me unable to now get my apartment and manage the cost of living. They do not care. they say they have the right to offset, but never have before. even when I've had hundreds of dollars in my account. Even if I did owe them, they say anything unpaid will go to collections. They practically stole my money today and it seems they have wiped out all my proof of paying but seem to have proof I didn't pay. This feels so shady and I just want justice before they do this to someone else. Its left me with nothing and that money was all I had and they have taken it.
Product: Mortgage

XX/XX/XXXX - Payment Received of XXXX XX/XX/XXXX - Payment Received of {$2300.00} XX/XX/XXXX - Payment Reversal for {$4700.00} which was not received back to me based on my bank statements. 
XX/XX/XXXX - Payment Received of {$2600.00} XX/XX/XXXX - I called to make 2 payments and was told the amount of each payment was {$2500.00} for a total of {$5100.00}. I wired the money over and was told to call back in a day to have my unapplied funds moved to the XXXX payment. I called back on XX/XX/XXXX to complete the payment transfer and was told I did not have enough funds because my XXXX XXXX was {$3100.00}. For the last 2-3 months I have been told several different mortgage amounts : {$2400.00}, {$2500.00}, {$2400.00}, {$3100.00}, {$2800.00}, and today XX/XX/XXXX @ XXXX {$3200.00}. Since XX/XX/XXXX I have paid out a total of {$26000.00}. That would be {$2900.00} monthly which can not be my actual mortgage payment. This has been emotionally draining and beyond frustrating as well as a huge financial burden.
Product: Credit reporting or other personal consumer reports

Per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and Virginia FCRA 8.01-246 ( 2 ) and ( 4 ), the following information is missing and/or inaccurate and needs to be deleted immediately. 

XXXX XXXX XXXX - Last consumer transaction over 5 years ago. Per Virginia FCRA 8.01-246 ( 2 ) and ( 4 ) account must be deleted. Balance reported however account charged off in XXXX, correct balance is XXXX violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be deleted XXXX XXXX XXXX Last consumer transaction over 5 years ago. Per Virginia FCRA 8.01-246 ( 2 ) and ( 4 ) account must be deleted. 

XXXX XXXX XXXX XXXXXXXX account charged off however balance reported. Balance reported should be XXXX. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be deleted. 

XXXX XXXX 30 days past due reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX incorrect. account was paid on time therefore violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be corrected to onetime. 

XXXX XXXX XXXX XXXX XXXX - 30 days past due reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX incorrect. Account was paid on time therefore violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and must be corrected to ontime. 

XXXX XXXX collection XXXX -No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. Violates Fair air Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. thefore must be deleted. 

XXXX  collection XXXX No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

XXXX collection XXXX No name, address, phone number listed under Contact Information. Consumer unable to to request verification of debt due to missing information. violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.
Product: Mortgage

I purchased my home on XX/XX/XXXX, My Original Lender, sold my mortgage to Mr. Cooper on XX/XX/XXXX. My Insurance Company returned the insurance premium to me, I reached out my new mortgage to ensure what where the procedures in regards to the insurance, I was told by the insurance department to deposit the money in to the escrow account an they will pay the policy. I reached out to the Insurance agency to advised to proceed to issued the policy and send to the Lender for payment. On XX/XX/XXXX I received a call the Insurance Agency informing my policy was canceled for non payment. I called the Lender they send the payment but the insurance co. did not want to reinstate the policy, I was place with a higher premium policy and my mortgage payment was increased. I was affected by the Hurricane Ian, due to the lenders negligence I am struggling with my mortgage payments and my credit has been ruined
Product: Checking or savings account

This is regarding Claim Number : XXXX for my Checking Account ( file attached ). 

This was for the XXXX XXXX online that Chase said they sent to the Doctor office electronically. However, the Doctor office said that they do not have an account with Chase. Chase should sent the XXXX payment through physical mail to the Doctor 's office address. The Doctor said that they only have XXXX  XXXX XXXX per the file attached. 

After I filed a claim with Chase, they denied my claim and closed this case.
Product: Checking or savings account

On XXXX XXXX my bank account, Wells Fargo, did not have the funds available to cover 3 charges XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX tried to impose on my bank account. 20 minutes before getting off the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I signed a promissory note, giving me 10 days to pay, the amount I could not pay from my bank account due to insufficient funds. Unbeknownst to me, XXXX XXXX submitted the charges yet again on XX/XX/2025. The charges were paid by Wells Fargo from my account on XX/XX/2025 giving me a significant negative balance in my account. Instead of Wells Fargo declining and returning the charges, Wells Fargo paid the 3 amounts. 

I have spun my wheels and jumped through hoops to get XXXX XXXX to reverse the charges since I have a signed promissory note from XXXX XXXX making arrangements to independently pay the outstanding balance. After speaking with the XXXX XXXX accounting department and the XXXX XXXX Customer Service department on XX/XX/2025, they refuses to help, reverse the charges OR honor the 10 day signed agreement I have with them. Furthermore, Wells Fargo is not taking ownership that they are at fault for allowing the charges to go through in the first place even though the funds were not available in my account. 

Critical information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/2025 - XX/XX/2025 Signed agreement with XXXX XXXX on XX/XX/2025 Amount charged to my account by XXXX XXXX : XX/XX/2025 {$480.00} XX/XX/2025 {$250.00} XX/XX/2025 {$2800.00} Wells Fargo claim # : XXXX XXXX XXXX did not have the authority to charge my account since I had a legal signed document from them. 

Wells Fargo did not have the right to pay charges since there were no funds in the account to pay the charges. I DO NOT HAVE account overdraft protection. Wells Fargo was negligent to pay these charges anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score dropped suddenly yesterday by 10 points and your report shows no explanation whatsoever for the drop. I need this explained or fixed right now. PLEASE.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 I reached out to XXXX XXXX XXXX XXXX about them reporting incorrect information. 
The date reported in correct was for the month of XXXX. 
All of my payments have been on time. All reports must be 100 % accurate this needs to be resolved now. It has dropped my credit score more than XXXX points because of incorrect information! 
Ive always been on time and ahead. Please resolve this issue immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of COLLECTION WFBNA CARD - 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 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 XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is sharing my no public personal information with nonaffiliated third parties XXXX, XXXX and XXXX. Capital One does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, they withheld my nights to being able to opt out of sharing, they are reporting private information to the consumer reporting agencies and they are in violation of multiple federal laws
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated and or deleted. 

XXXX XXXX XXXX XXXX XXXX Owed : {$5300.00} - How many times do I have to state that the references used to support the late payment on this account are false and deceptive, thus impacting my credit report? I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. In order to present correct information on my credit report, I once again ask that you take your time to THOROUGHLY examine and CORRECT this account. 

XXXX XXXX Balance Owed : {$23000.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate and adjust the situation as necessary to represent it correctly. 

XXXX XXXX XXXX XXXX : {$19000.00} - This account currently publishes information without permission. You continued to record an account as 120 days past due even though it is already a charge off account under the Federal Reserve and Federal Insurance Act. I want a complete inquiry and that an update be given legally and accurately. 

XXXX XXXX XXXX XXXX : {$0.00} - Account number, payment status, and date open appear to be inaccurate information that was reported. Please review this account 's payment history information. I think I made my payment on time, therefore the late history shouldn't be displaying any lates. Correct the late payments from this account, please. I'm not running behind on this. Get it correct as soon as possible ; assess this reporting by updating the data supplied. Please update this from my file, make any necessary changes, and modify it. 

XXXX XXXX XXXXXXXX XXXX XXXX : {$2400.00} - The payment status and payment history on this account were incorrect. A charge-off ought to have a balance of XXXX. My credit continues to be harmed by this false information. Please present evidence of the most recent payment. If not, please delete this from my file. 

XXXX XXXX XXXX XXXX : {$0.00} - This account contains a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and correct it. If not, delete right away. 

XXXX XXXX XXXX Balance Owed : XXXX  XXXX The FDIC 's Account Management Policy and Uniform Credit Retail Credit Classification are both broken by this account, according to the report. Please present evidence of the most recent payment. Otherwise, immediately delete the account.