23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse confirming if bankruptcies get reported to the credit bureaus and I got a letter stating They do not report any bankruptcies to the credit bureaus. So if thats the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the:15 USC 1681 .

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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.

According to : 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

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 the following companies any permissible purpose. They are in strict violation of this code. I need the following 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXX/XX/year> PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXXDEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX  XXXX {$10000.00} XXXX XXXX {$4500.00} XXXX XXXX {$170.00} XXXX XXXX {$210.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$0.00}
Product: Student loan

In XXXX of XXXX, I submitted my first student loan payment through Ed Financial Services using their online payment tool. I made a one-time payment of {$500.00} and it covered my XXXX and XXXX payments. On that day, I received payment confirmation of the {$500.00} via email. On the next business day, I received an additional payment confirmation email for {$500.00}. When I checked my bank account, EdFinancial Services did in fact take the {$500.00} payment twice. I contacted their customer service number and explained the situation. The customer service rep ensured me that they requested a refund of the {$500.00} from their financial dept. on XX/XX/XXXX. The rep also stated that they did not have a specific time frame for when that refund would process. I waited 4 weeks. I called EdFinancial back on XX/XX/XXXX and inquired about the status of the refund. After being on hold for 25 minutes, they determined that the original refund request did not " go through ''. I let them know that this overcharge to my bank account was their fault, not mine at that I was now behind in other monthly expenses. The customer service rep specified that they were entering an " emergency refund request '' and apologized for the delay on the original request. They still informed me that they could NOT give me a timeframe or any way to follow up with the department that handles refunds. On XX/XX/XXXX, still no refund. I call customer service and request to speak with a supervisor. They stated that one would call me back in 24-48 hours. They called me back when I was at work and could not answer the call. I repeated this process about 2 more times, each time the call back coming through at a random time the next day and not where I could answer. My XX/XX/XXXX statement was also showing that they had already refunded the overpayment in XXXX... .that never happened. It is now XX/XX/XXXX and I still have not received the refund of {$500.00} that THEY mistakenly took from my bank account. I am XXXX XXXX XXXX and have never experienced this type of financial business model where the financial institution mistakenly takes more money from the customer than what was agreed to, then tells the customer that they can " give no time frame for when that refund will be processed '' AND not give the customer any way to follow up, AND show on a financial statement that the refund has processed WHEN IT HAS NOT! It has been three months and I have still not received my refund that is due to me. This absolutely does not help any type of customer confidence moving forward.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 at about XXXX or XXXXXXXX XXXX. I tried transferring {$1.00}, XXXX from my cash app account to my XXXX XXXX XXXX XXXXXXXX XXXX  account. I was unaware at the time that XXXX  only allows transfers up to {$1000.00} So my transfer was rejected by XXXX. On cash apps end though it shows as being completed. No after reaching out to both companies over a XXXX period being told by both banks that I am to contact the other bank. After about day XXXX XXXX cash app employees decided to just plain hang up on me telling me there's no other information they can provide me. Both banks just keep pointing the finger at each other giving me no resolution to the problem. My money should have gone from Cash app to XXXX, But the transfer was rejected with XXXX  telling me that the money should have been sent back to cash app but cash app and their employees just keep telling me that the transfer was completed and now over {$1000.00} of my money is just sitting in limbo with no one offering an actual solution or to resolve this issue. As you'll be able to see in the attached screenshots the money says completed on cash apps end but then you'll see in another screenshot from my XXXX  account that that money never arrived.
Product: Debt collection

Speedy cash has sent several emails trying to collect a debt that is not mine. I never received or requested money or took money from this company. I am receiving emails stating they will sue me for the amount of {$760.00}. The emails a So states they will make a report to my employer if money was not received by the end of the day. That they will confiscate my wages. Again, I never received loans through this company. The lad test email has a case # XXXX from a XXXX XXXX or XXXX XXXX from his email of XXXX.
Product: Mortgage

This is in reference to complaint # XXXX. Where SPS states that the mortgage payment of {$780.00} does not include Flood Insurance. 
In correct it does. I have attached several documents that prove that SPS is charging me for Flood Insurance. If you go to Table 3 you will see the property taxes for XXXX which are {$160.00} Plus the payment of {$560.00} which is Principal and Interest. bring the total mortgage payment to {$720.00} as seen on SPS History spread sheet from XXXX. 
Then on XX/XX/XXXX SPS starts charging me {$780.00}, when I asked they stated it was due to Property Taxes going up. Incorrect! the Property Taxes from XXXX ( {$160.00} ) to XXXX ( {$160.00} ). As seen again on table 3 and Table 4. so if you add {$560.00} + $ XXXX {$720.00} which is correct for the monthly mortgage payment. 

Now for XXXX you add $ XXXX XXXX XXXXshould now be the monthly mortgage payment. So if you take {$720.00} - $ XXXX {$55.00} difference. Which by the way when you add $ XXXX $ XXXX {$780.00} which means SPS is adding Flood Insurance to the monthly statement. 

Which clearly shows that SPS has to adjust my monthly mortgage payment from {$780.00} to {$720.00}. because to reach the payment of {$780.00}. Look at page where it states SPS flood Ins policy {$1800.00} for 12 months, which will then be the difference of {$55.00} per month. 

so how SPS state that {$780.00} is correct. When based on their XXXX paper work it states it cimpletely different???
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

Comenity Bank holds back payments for as much as 9 days before processing them. I had XXXX cards with them and the payments were always scheduled to go through on a specific date but they payment does not process until a week later. They claim its with my bank XXXX, but I also have XXXX XXXX cards and have never bounced a single payment with them. Comenity Bank has resulted in multiple bounce fees for the last year now.
Product: Credit reporting or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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
Product: Debt collection

I have been contacted by a debt collector about a delinquent credit card account that is not mine. The debt was sold to the debt collector by Citi and they were provided with my information even though the account is not mine. I have contacted Citi several times about the account have been told to contact a " client resolutions '' phone number, but when I call the number it simply hangs up.
Product: Credit reporting or other personal consumer reports

The following companies have negatively reported to all three of my credit 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 , I have reached out to the credit bureau 's to ask for the removal of these discrepancies that have been reporting improperly.
Product: Mortgage

1. When my mortgage was originated in XXXX of XXXX, I was given the option to pay my insurance binder out of pocket, which I did. Come to find out, when my escrow reconciliation was completed in XXXX of XXXX, it came to my attention that the originating lender had collected for this at closing and held the amount the entire year. I was provided with no explanation other than a huge, atypical escrow reconciliation, but the reconciliation still required me to pay more per month- which made no sense. This resulted in the loss of the ability to use this money for any other purpose and caused me and my household financial distress, loss of interest income, among other harms. 

2. In XXXX of XXXX I requested an analysis of my loan account for the removal of PMI. After confusingly navigating the chatbot, having a human step into the chat, and providing me the purported channel to do so, I timely provided the email request along with a narrative of the substantial capital improvements I have conducted since acquisition. However, I then received a letter dated XX/XX/XXXX which stated : " The mortgage insurance is for the life of the loan and is part of the required payment amount. '' This letter made no sense to me since I premised closing this loan on removing the PMI after the house increased in value or my loan had been sufficiently paid for removal of PMI. If this is true, as the letter states, I would have simply put more money down or, more importantly, chosen a different loan product. Now I feel stuck with a product that was not explained to me prior to or at closing ( nor covered by am disclosure whatsoever ) and am requesting removal of PMI and/or monetary compensation to offset what I should no longer be paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy lawyer said they didnt do a reaffirmation process on my mortgage which has never been late and its current. 
Lender is XXXX. 
My vehicle financed with XXXX XXXX XXXX  also isnt reported and I just paid it off.
Product: Mortgage

Hi on XX/XX/XXXX  I closed with Mutual of Omaha a Refi FHA loan. After closing on that load I made an electronic payment in the amount of {$2000.00} to the principle of the loan. This was posted/applied correctly on XXXX XXXX. Since then the loan has been transferred to another Loan Servicing Company ( XXXX XXXX ). This took place on XX/XX/XXXX. 


The issue is that on the same day that the loan was transferred, Mutual Of Omaha reversed the principle payment of {$2000.00}. It went something like this. XXXX XXXX principle pmt was made and reduced total principle by {$2000.00}, then XX/XX/XXXX Mutual Of Omaha reversed the payment and transferred the loan to XXXX XXXX, then on that same date the principle went back up on the loan by {$2000.00}. 

I've contacted both companies at this point ; Mutual Of Omaha the most being that it was their actions that created this issue. XXXX XXXX doesn't have the funds on their end. Mutual of Omaha is supposedly doing an investigation. Every time I call I get different responses from MOO. The erroneous actions of Mutual Of Omaha is causing a miscalculated application of interest on the loan, the same on PMI, non-credit of the original principle payment, and creating a great amount of stress as well as taking up a lot of time. 

Please help!
Product: Checking or savings account

XXXX XXXX Unauthorized charges : ATM XX/XX/2020. XXXX, AZ for XXXX XX/XX/2020. XXXX, Az for XXXX XX/XX/2020. XXXX, Az for. XXXX I reported my card missing to them. 

Funds credited : XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020. XXXX XX/XX/2020 fee charge of XXXX XX/XX/2020 fee charge of XXXX I call bank several times to fix it. After several times they would hang up on me. Last call lady said you have to pay us back for the lost. It does not matter how it happened. I ask lady is this what u do make people that work hard pay back money that is there money. She said u lost your card. I said yes, I reported it. I ask them when they credited the funds back if I were okay. Fraud division said no worries u are okay. They l did not tell me the truth. This is wrong. Im upside down with my bill now because of this. Its not far. I stopped by little school pension from going in. She told me they were going to take my money from me. Can u please help me. 

Bank of America
Product: Debt collection

This collector is n't calling me too much, and they have not used any inappropriate language, or anything like that. In fact, they were careful with their choice of words, but were clearly attempting to make it sound like I would be taken to court over a {$90.00} medical bill. The exact voice message left today  XX/XX/XXXX  by "   XXXX   XXXX   '' was this : " This message is for ___ if this is not ____ please hang up. This is   XXXX   XXXX    calling again with the office of CRS I was just calling as a courtesy to you and I am not sure if you 're aware what 's taking place here or not. I 'm now being asked to have a case in your name reviewed for final disposition. I just wanted to make you aware of this, as a courtesy to you before that took place. At this point you do need to contact me immediately now it 's   XXXX   use your case number as a reference when you call which is  XXXX . And again I need to speak with you immediately or you can have representation call me immediately on this as well '' I 've uploaded the voice message. When I later spoke to   XXXX   XXXX   he knew very well that he chose his words in the voicemail carefully and pointed out that he said that I " can have '' representation. So in his head it was no threat of legal action. The use of " Disposition '' instead of " Deposition '' is obvious that they are doing what they can to make this seem like they are not wording this as a threat - but they are.
Product: Money transfer, virtual currency, or money service

My Coinbase.com login email is XXXX. As of XX/XX/XXXX, I have XXXX XXXX funds. I purchased this amount myself on XX/XX/2024. However, on XX/XX/2024, Coinbase automatically transferred {$500.00} worth of the funds to their new XXXX wallet. On XX/XX/XXXX, this same issue occurred with the remaining {$300.00}. The value of the funds have fluctuated due to the market. Nonetheless, after multiple outreaches via phone, live tech support, and the XXXX Coinbase thread, I've received ZERO help. I can see the funds but am unable to extract them, convert them, or exchange them in any way. In short, Coinbase automatically pushed my Coinbase primary account funds for XXXX into their newly released XXXX wallet, and won't provide me access to this XXXX wallet in any way. They said they provided me a secure passcode phrase, but I never received that in any way, shape or form from that. Their XXXX wallet is a beta feature they apparently released. I'm seriously concerned that Coinbase is manipulating and defrauding people of their investments through their technology.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 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-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.These are the accounts that i marked as inaccurate XXXX XXXX, affirm XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

on XX/XX/scrub>/25, I called XX/XX/XXXX to obtain info about how to remove a restriction on my account. All of my external accounts were missing, and the checking account had been unusable for 2 days. I was told that everything is fine, and I can link new accounts, however that is not the case. 

Upon logging in I see the message attached " Error Something unexpected went wrong on our end. Please try again. Thank you. "
Product: Checking or savings account

XX/XX/2022 I mad a ATM deposit on a check for XXXX XXXX at US BANK in XXXX Az. The bank only made XXXX of it available to me. I took out XXXX which caused a overdraft of XXXX I also had enough money to cover the additional XXXX with the XXXX? The check is being held until the XXXX of XXXX and will be available on the XXXX. I have received no letter thru email or postal mail telling explaining as to why this is occurring. I have spoken to US BANK ON SEVERAL OCCASSIONS SEVEAL TIMES A DAY THIS LAST WEEK XX/XX/XXXX AND THIS WEEK XX/XX/XXXX. I have also requested in person on the phone and in writing to CLOSE MY ACCOUNT. THE US BANK REFUSES TO CLOSE IT DUE TO A NEGATIVE BALANCE BUT I HAVE A POSITIVE BALANCE THEY WONT RELEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING AND XXXX  ACCOUNTS -XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX HAS VIOLATED MY RIGHTS - 15 U.S.C 1681 SECTION 603 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