23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was repeatedly and frequently called by the loan company employee and since I am not able to answer calls when I am working, the company 's behavior became more aggressive. At first, the company told me that if I would increase the amount of the loan, they could extend the due date and the loan company would not have to report me to credit reporting entity. Taking out more money out on my loan could save my credit score. Then, the time of day when I could answer phone calls, random numbers would repeatedly call and hang up as soon as I answered. Then loan company would immediately call me because they were certain that I could answer. These tactics were intimidating and alarming so I never answered the phone. I came home to find hand delivered bills taped to my front door. This meant that the person calling was coming to my home looking for me to physically hand me the bill. The loan company would call repeatedly as soon as the payment was a day late. 
Then there were the phone calls to my family members. My daughter, son, brother, sister and estranged ex-husband were all contacted. The caller did not say their name but they did say that they were representing a loan company and needed the help from my family members to find me. When my son who has XXXX, recieved the call from the loan company, he had a XXXX XXXX due to fearing for my safety. This took place over a year ago and was the first occasion they contacted my son and my family members. I informed the Loan company about my son 's condition and asked that they not contact my son or my family members about anything. They told me at the time that my instructions were in my information record any would honor my request of no contact with my family. On XX/XX/ 2025, my XXXX XXXX recieved another call from the loan company violating my request. They also contacted my daughter who lives out of state. They contacted my brother who was told that I put him down as the point of contact. I would never put him down because he does not need to know what my financial affairs are. My son, daughter, sister, brother and mother were all contacted or attempted to be contacted. The caller ID of the loan company appeared on their phones. Family members that answered were informed that the caller was representatives of a loan company and that needed to contact me immediately. My family members contacted me and were XXXX  I have never provided the loan company the names of my family or my ex husband. I was embarassed and reduced to tears by this loan company 's tactics. It was and still is a humiliating experience. I would like an explanation on how this information was obtained because I did not provide it.
Product: Vehicle loan or lease

In XX/XX/XXXX I bought a XXXX XXXX XXXX from XXXX XXXX dealership in XXXX XXXX, LA. I agreed to a 2 yr lease and was told after that I could return the car for another one of my choice. When the time came along. They had no information on the loan. I lost my job soon after and the car was possessed. I was never notified that i had a court date, however my check began to be garnished then i recieved the notice. Whenever I called the company they said I owed XXXX would like to sue them for fraudulent contract, economically targeting poor people and minorities. Also I would very much appreciate it every case be investigated individuality and ALL unfair wages be compensated. As well as criminal charges be bought on the ones responsible. Lastly I request that the company be shut down or sold.
Product: Credit reporting

Please assist me in getting this Tax Lien removed from my credit file. This tax lien is outdated and it needs to me removed from my credit file. The Tax is showing paid and it has a release date of XX/XX/2009. Please remove the attached Public Record from my credit file.
Product: Checking or savings account

I recently opened a Citibank account and after depositing nearly {$1000.00} into my new account the bank maliciously locked me out of my account and refuses to do anything to help me get back into my account. I need my money to pay my bills.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting and Request for Documentation To Whom It May Concern, I am writing to dispute the accuracy of an account listed on my credit report under 15 USC 1681s-2, which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : Account Name : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Date Listed : [ XXXX. XXXX, XXXX  ] This account is inaccurately reporting a balance despite being charged off. Per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 defines a discharge of indebtedness as occurring due to a decision by the creditor to cease collection activity and cancel the debt.

If a 1099-C form has been issued for this account, it indicates the debt has been canceled, making the continued reporting of a balance both inaccurate and misleading. I formally request : 1. Provision of the 1099-C Form
: If issued, provide a copy to verify the debt cancellation and identifiable event.

2. Verification of the Balance : Provide documentation showing the accuracy and collectibility of the reported balance.

3. Deletion of the Account : If the debt has been discharged or can not be verified, this negative information must be removed from my credit report immediately.

4. Issuance of the Vehicles Title ( XXXX XXXX ) : Since the account has been charged off, I request that the vehicles title ( XXXX XXXX XXXX  be released to me, as the debt has been effectivel

y discharged under the law. I expect your response within 30 days of receipt of this letter, as required under the Fair Credit Reporting Act. Failure to address these issues adequately will necessitate further action to protect my rights. Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my XXXX, experian, and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car company has not reported my payments since 2017. I have made 3 on time and one principle payment on the account and the balance on my report and their website does not decrease at all it has even gon up. I have requested an amortization report and have still yet to receive it or any explanation as to why my balance is not going down
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Reporting by XXXX and Experian for XXXX XXXX Account I am writing to formally dispute the incorrect reporting of my closed XXXX XXXXXXXX credit card account, [ account number : XXXX ], as reflected in my XXXX and Experian credit reports. Despite my efforts to resolve this matter directly with XXXX XXXX and both credit reporting agencies, the inaccuracies persist, and I am now seeking your intervention. 

Issue Summary : Credit Reports with Errors : XXXX and Experian Credit Report with Accurate Information : XXXX Account Status : Closed and paid as of XX/XX/XXXX Discrepancy : XXXX and Experian are incorrectly reporting 7 late payments ( marked " 30, '' " 60, '' and " 120 days late '' ) while XXXX correctly reports the account as " paid as agreed '' and " never late. '' LATE PAYMENTS DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violations of Federal Laws : CARES Act Violation : Under the CARES Act, all accounts active between XX/XX/XXXX and XX/XX/XXXX, plus 120 days thereafter, should be reported as paid as agreed and never late, as long as the account was in good standing during the forbearance period. Both XXXX and Experian have failed to adhere to this federal mandate and are incorrectly showing late payments for the stated period, which violates the protections provided under the CARES Act.

Fair Credit Reporting Act ( FCRA ) Violation : The FCRA requires that all credit reporting agencies ensure the accuracy and completeness of the information they report. Despite submitting several disputes to both Experian and XXXX, they continue to report inaccurate late payment information, and I have not received any details about their investigative processes. This lack of response and failure to correct the errors directly violates FCRA guidelines.

Truth in Lending Act ( TILA ) Violation : The TILA mandates that accurate terms and conditions are reflected on credit accounts. The erroneous reporting of late payments on my account misrepresents the status and history of the account,
potentially violating TILA by falsely representing the terms under which my account was closed and paid off.
Product: Debt collection

THIS DEBT IS NOT OWNED BY ME. I HAVE BEEN A CLIENT OF XXXX SINCE XX/XX/XXXX AND HAVE THE SAME PHONE NUMBER REGISTERED WITH XXXX. I WOULD NEVER CONTRACT TO XXXX AS I DISLIKE THE SERVICE AND HAVE NOT FORGOTTEN MY XXXX EXPERIENCE WITH THAT COMPANY IN XX/XX/XXXX. PLEASE PROVIDE FULL VALIDATION FOR THIS ACCOUNT ; SIGNED CONTRACTUAL AGREEMENT ; WHERE THE ACCOUNT WAS OPENDED ; HOW IT WAS OPENED ; HOW THE SERVICE CHARGES WAS PAID ETC.,
Product: Money transfer, virtual currency, or money service

Google pay hid my balance after changing the app about a year or so ago, changing it from being app accessible to website only. It's not easily accessible on the website either, it took me several minutes and clicks to find the balance. 

Once I found it and verified my bank account, I tried to transfer my {$1400.00} balance out, only to be informed there is a {$1000.00} weekly limit and I need to try again later ( no money actually transferred ). I wait the week they suggested and tried again, same result, no money transferred out. Chat with customer support, and then they inform me of {$200.00} daily transfer limit ( very low, and not listed when I tried my transfer of {$990.00} to stay below the displayed weekly limit of {$1000.00} ). 

So I finally set the {$200.00} transfer out, and it's denied because I have more than 5 payment options on Google pay ( it's an app designed to hold all your credit cards for online payments ).

They have built this system to make it very difficult to withdraw money. Those items above were all design decisions made by one of the XXXX XXXX companies in the world. 

And the kicker, they don't make your cash balance available as a payment option when using Google wallet. They've probably effectively stolen a ton of peoples balances who forgot they had money there after it was hidden from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 the allege debt XXXX XXXX, XXXX. is reporting as owed is inaccurate and has been discharge pursuant 11 U.S. code 727. XXXX XXXX XXXX is reporting false information to XXXX. I have made several attempts to settle this matter and XXXX XXXX XXXX. continues to cause injury and damages to my personal credit, defame reputation, and slander my character. XXXX XXXX, XXXX is in violation of Fair Credit Reporting Act, Fair Debt Collection Practice Act, and NEW YORK STATE Debt Collection Laws..
Product: Debt collection

Please see attached. I received a notice from the collection company. When I first called they were not very unprofessional and the operator hung up on me. I called back again and requested to speak with a supervisor. I was told to hold and they would request a supervisor. I was then put through to a voice mail and still have not received a return call. I was told that I am not allowed to request proof and if I did n't pay they would report me to the credit agencies immediately even though I never received any notification from the City about the citation. I have since filed a Motion to Vacate the citation. I have attached all of the paperwork for evidence. The operator said they will report me to the credit agencies no matter what I did. I am reporting this is the CFPB before they illegally report this account and mess up my credit. If they can validate the claim I have no issue paying but I think since I have not received anything from the City or this collection agency I have a right, before they report my account, to validate it. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX # XXXX ), has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/year>, I discovered that {$11000.00} was fraudulently withdrawn from my Chase business account through unauthorized salary payments. These payments were made to individuals fraudulently added as employees without my consent. 

Upon discovering the charges, I rushed to a Chase branch, where I was redirected to the Fraud Investigation Department ( XXXX ). However, I was initially unable to file a claim due to a system update. After multiple attempts, I finally filed the claim on XX/XX/XXXX, and was told I would be reimbursed within XXXX business days if the investigation was not resolved. After significant delays, I was informed that my claim was denied, with Chase stating the transactions were made using my device. 

I am appealing this decision based on critical evidence that was overlooked, as well as conflicting information provided by Chase Bank representatives. 

Supporting Information : Device Log-In Timing : My computers kernel-power logs ( attached ) show my device first booted on XX/XX/year>, at around XXXXXXXX XXXX  This means my device was not in use prior to that time, making it impossible for any earlier transactions to have been made from my device. 

Browser History : My browser history ( attached ) confirms that I attempted to log into my Chase account at XXXXXXXX XXXX  However, I was blocked by a device attestation message ( also attached ), preventing me from successfully logging in. 

Secure Messages : I have attached secure messages ( not emailed to me ) from the Chase Bank app showing that two employees, XXXX XXXX and XXXX XXXX XXXX, were added to my account as payees without my knowledge. These messages state that the additions were made by an authorized user on my account. However, during a phone conversation, a Chase representative explicitly told me that I am the only authorized user on this account. This presents a serious inconsistency in Chases handling of this case and suggests a breach of account security. 

Conflicting Information : Chase Bank has provided conflicting information at every step. I was told my claim would be processed within 10 business days and that I would receive reimbursement if the investigation was unresolved by then. On XX/XX/XXXX, I was told the money would be credited within a few hours, but the funds never arrived. When I followed up, I was told there was no definite time for reimbursement. 

Conclusion : It is clear that unauthorized actions were taken on my account before my device was in use, and I was blocked from accessing my account after attempting to log in. The claim denial based on device matching is flawed, especially given that I was the only authorized user on the account, and these fraudulent payees were added without my consent. 

Additionally, I am preparing to file a police report regarding this matter. I demand an immediate and thorough investigation into how these unauthorized actions were allowed to occur on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

XXXX  XXXX  XXXX  has flagged me which is causing me to not be able to open an account. XXXX XXXX XXXX XXXX is claiming fraud on an account. Being that my phone was stolen unauthorized charges and check deposits were made in which I am not responsible. 

Name of Bank : XXXX XXXX XXXX XXXX XXXX I have previously disputed this and received no updates
Product: Payday loan, title loan, or personal loan

I filed bankruptcy last year and the debt has been discharged since around XXXX, yet the title loan comapny continue to call and threaten and send letters. My lawyer has talked to them and explained that I have filed and that the debt has been discharged, they already knew but tried to lie and say the case was closed not discharged. My lawyers office also faxed them papers ( again ) proving that they debt was discharged in the bankruptcy. They took the car, finally like they should have done months ago, but now are sending letters that I have to pay them whats left on the loan once its sold. They would n't take the car until my lawyer had to contact them, they had been trying to threaten me with a tow charge whether I dropped it off or not. The company is mid american title loans in XXXX mo.
Product: Credit card or prepaid card

I disputed a charge of {$700.00} in XX/XX/2020, provided an email from the merchant as an evidence that they promised to credit my account but they did not. Also, the merchant service caused additional property damage. 

I had to reopen the same claims at least 4 times since American Express kept closing the claims either by mistake or no reason, and the customer service weren't sure why those claims were keep closing and disputed amount were reversed. 

In XX/XX/2020, I complained to customer service and toild him that I will file a complaint with CFPB, the customer service representative re-opened the claim and asked to wait a few weeks to check on the claims. I was surprised that all records of this disputed were completely removed from my Transaction History. 

I have attached a screenshot that I captured on XX/XX/2020 which shows several disputes for the same transaction along with my Chat with Representative where I said I will report to CFPB, the representative indicated that someone will call me in 24-48 hours BUT no one from Amex called. 
Another screenshot captured today and XXXX which shows no dispute at all.
Product: Credit reporting

I have been able to have this fixed by XXXX and XXXX but Equifax refuses to remove it and all they say is the card belongs to me. It does not belong to me. 
I applied for a credit card from XXXX I was turned down. The letter said I had a delinquent account and my credit score dropped XXXX points. I looked at my credit report and saw that an account for a credit card from XXXX XX/XX/2016 had been opened and the max amount had been taken out, but no payments had been made. The account was closed XX/XX/2016. I did not open this account. When I called the credit card company, I was told that the person had my name and Social Security number but a different address I was not told what the address was.
Product: Debt collection

National credit system showed up on my credit report for {$6000.00} I was unfamiliar with the name so I got they contact off the internet and gave them a call and was told that it was a debit collector for XXXX XXXX XXXX ( old residence ) after I we was on the phone XX/XX/2021 I was told that I would receive something by email few days went by never received anything by email called the company multiple time and was told different things that another department was going to send it check my junk mail still nothing sent them proof that the back rent was paid they claimed they never received it few weeks later still nothing gave them a call again and asking for verification of the debit after requesting to speak to a manager the manager was rude which cause me to get rude still never received the documents sent a certified letter requesting them to respond with in 10 days with the documents I'm requesting ( XX/XX/2021 ) by mail since I was never receiving the emails they claim they have been sending gave them a call and was told that it could take up to 30days gave them a call and the same manager handle the call and broke down what was on the report and finally emailed me but refuse to give me anything supporting the claim that I had did damages to the property
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I opened a savings account with Discover Bank on XX/XX/2022. I made a deposit of {$300.00} into the savings account on XX/XX/2022. I made another deposit of {$400.00} into that same account on XX/XX/2022. This brought my total balance in the account to {$700.00}. 

However, on XX/XX/2022, I was notified that my savings account was suspended due to " unusual activity '' by Discover, and the account was closed soon after. Because of this account closure, I was unable to view messages from the bank in my account, or other information about the account such as the account number or account statements. 

I made repeated calls to the bank regarding this, and was only ever told by customer service XXXX and supervisors that Discover has the right to close accounts without warning for " business purposes ''. 

Upon request that my {$700.00} be returned, I was first told that the funds would be sent to me within 30 days. After this time frame passed, I was then told the money would be dispersed within 90 days. It has now been over 190 days since the account was closed and I have still not received my money. 

Despite repeated attempts to resolve the issue, Discover now maintains that there was no money in the account at the time of closure and that I should contact the XXXX XXXX XXXX  ) that transferred the money into the account. I have called XXXX  to confirm the money sent was in fact cleared, which is also verified by emails XXXX  sent to me and in my statements that I am attaching as proof.
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS XXXX  ACCOUNTS THAT WERE NOT MINE BEING REPORTED LATE FOR XXXX  YEARS. SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY XXXXLOANS ETC. I ALSO FILED A XXXX REPORT AND HEARD NOTHING BACK
Product: Credit card

Item arrived damaged, requested a return and no one picked up the box. Filed dispute on credit card.