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

On XX/XX/2019, I was attempting to make a purchase with my Capital One credit card. My card was declined. I logged in to my XXXX app and learned that my credit card account was restricted. I spoke to the customer service agent with Capital One, who informed me that there was a bankruptcy associated with my account. I assured the representative that I had never filed for bankruptcy and that was inaccurate. The representative then transferred me to a supervisor who informed me that someone would get in touch with me in a few business days with the resolution, or I could call to check the status of the issue. The representative, XXXX, said that she would email the bankruptcy department to have them investigate this. 

My account was reinstated so I did not follow up with Capital One at that time. Today, XX/XX/2019, I checked my account to ensure that my auto pay transaction completed as scheduled, and saw that my account was again restricted. I spoke with a representative who told me that I filed for bankruptcy on XX/XX/2019. This is not accurate. I asked for the city, state, etc of the filing. I was told that they did not have that information. I asked for the attorney 's name. I did not receive that information. I was told that they receive information on the filing of a bankruptcy in one of two places : the customer or the attorney. I did not notify capital one of a bankruptcy I did not file. I do not have an attorney. I contacted my local bankruptcy court who confirmed that I did not file for bankruptcy and there was no bankruptcy filed for my social security number, name, or the case number that was given to me. 

I called once again on XX/XX/2019 after speaking to two local bankruptcy courts, and attempted to get more information once again so that I could investigate the bankruptcy allegedly filed in my name. I was told after almost an hour on hold that they could not give me any information without getting the information from the bankruptcy department. The bankruptcy department was already contacted On XX/XX/XXXX, and this information should be readily available to me, the consumer, especially after a previous complaint. This treatment of a customer of over 10 years, with an account in good standing as well as an auto loan that seems to be unaffected by this erroneous problem, is wholly unacceptable and I intend to tell anyone considering doing business with Capital One to reconsider.
Product: Credit card

On XX/XX/2023 I discovered my XXXX Chase credit card was missing. Upon contacting Chase I learned that fraudulent transactions were attempted to include {$15000.00} for a XXXX XXXX XXXX XXXX XXXX XXXX  ) followed by {$6000.00} at XXXX XXXX. Despite the uncharacteristically large size and content of this purchase Chase accepted the first transaction at XXXX ( while declining the second at XXXX XXXX ). Only in the second case did Chase make an attempt to flag the purchase ( by sending me an email which I didn't discover until much later ). Chase let the first transaction go through unchallenged. Chase subsequently conducted a series of investigations to determine if fraud had occurred - the negative results of which contradicted the opinion of the XXXX store XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : U.S. Bankruptcy Court  XXXX XXXX XXXX  XXXX Reference # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglect to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

My loan was purchased by Carrington in  XXXX     2017, an d I find their servicing practices to be very non-borrower friendly. First issue experienced is having my payment rise {$82.00} a month in order to build a legal amount in escrow. Even though, through  XXXX   XXXX   XXXX , there has never been an escrow shortage.     Next issue is that starting  X/X/2017   , Carrington will be charging {$5.00} convenience fee on all one-time online payments. This is my method of payment and unsure why I am now being penalized to use this service. I understand I can sign up for automatic payments, but sometimes life just doesnt work out that easy. I feel entrapped to sign up for this service and run the risk of overdrawing my account if the funds are not in there.     These mortgage payments have NEVER been late ; in the 10 years this loan has been active. I find Carrington Mortgage servicing practices un-nerving and a possible CFPB violation.
Product: Money transfer, virtual currency, or money service

At the start of XXXX ( 2023 ) I made a wire from my XXXX XXXX account to my XXXX XXXX account. It should have arrived within XXXX to XXXX business days and it hasnt of today. 

Ive been following up ever since and no response has been given to us by Chase, the intermediary bank. 

Wire reference that may be helpful is : XXXX XXXX
Product: Student loan

I received a letter noting garnishment would begin on my defaulted loan, so I reached out to " Coast Professionals '' and tried to deal with it. For 3 months they kept rejecting mine and my husband 's pay stubs and they never allowed a time extension and began taking money out of my paycheck. They have been abusive via phone and have provided inaccurate information each time I contact them - quite literally the rules of the game change. 

I 'm now stuck having my wages garnished, and my son was paying them {$20.00} a month to get the loan out of default - they updated their " records '' today and decided my husband 's income combined with mine ( XXXX the income previously on record with them as we had been trying to scan his paystubs in but they said they were too dark and offered no other solutions - I mailed them a copy, scanned and emailed, faxed, and texted ) means my son needs to pay {$200.00} a month, XXXX the amount he 's already paying them. They 've provided no material information other than repeatedly mailing a bill to my address on file, even while we 've been working on this rehabilitation program. 

It 's worth noting that we began this process in XXXX 2016 - we did everything they asked of us, scanning, etc. repeatedly, and they told us they would adjust the date for garnishment to begin - XXXX XXXX rolls around and they began garnishing while I was still sending them information - which I had been extremely transparent about. When confronting senior management about this they said " Nothing we can do, get the pay stubs, pay it or the garnishment continues '' Horrific and unprofessional in every way. 

I am shocked and disgusted that my own government would give my federal tax dollars to fund contracts with companies that behave in such a predatory, misleading, and inhumane manner. We are paying them - they should be working WITH us to find a solution, not digging people deeper into a hole.
Product: Debt collection

On XX/XX/XXXX, I sent the following letter to the creditor in response to their correspondence that was sent to my previous CFPB complaint with them. To this day, I have yet to receive a response to my letter. It is clear that they only reply once the CFPB is involved even when it violates the Fair Debt Collection Practices Act ( FDCPA ). 

Comenity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Response to Final Letter Regarding Zales Credit Card ( Account Ending in XXXX ) Dear XXXX XXXX XXXX I am writing in response to your letter dated XX/XX/XXXX, concerning my Zales Credit Card account . I appreciate your review of this matter, but there are several points that require clarification and further action. 

Clarification on Cease-and-Desist Request : My original correspondence included the statement : If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. This was not a request for a permanent cease-and-desist status. Kindly remove the fraudulent and unnecessary cease-and-desist designation applied to my account, as it was misinterpreted. 

Failure to Respond in Compliance with FDCPA : You claim to have responded to my original correspondence on XX/XX/XXXX. However, I never received this communication, and no evidence of this alleged response was provided in your reply to my CFPB complaint. The absence of a verifiable response violates the Fair Debt Collection Practices Act ( FDCPA ). Merely asserting a date does not constitute valid proof of compliance. 

Request for Documentation on Debt Sale : I request a complete set of documents concerning the sale of this debt to XXXX XXXX XXXX XXXX XXXX, including the purchase agreement, chain of title, and any other pertinent records. Please provide these materials to validate the sale and your subsequent actions. 

Lack of 1099-C Documentation : The creditor never issued a 1099-C form for the cancellation of this debt when it was charged off on XX/XX/XXXX. This omission raises concerns about the proper handling and reporting of this account. 

Final Opportunity to Resolve : In light of these violations, I am willing to offer one last opportunity to resolve this matter amicably. I request that you remove the account from my credit report. Failure to do so will leave me with no choice but to pursue legal action to address the violations outlined above.

I look forward to your prompt attention to this matter. Please respond in writing within 15 days of receipt of this letter. 

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

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I complain about the erroneous items in my file that I am sure are not mine, but still the disputed items are appearing in my report, I want the items which came about as fraudulent. 

Please remove the following items for they are fraudulent/erroneous : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX Balance : {$14000.00}. XXXX XXXX  XXXX XX/XX/2022
Product: Debt collection

Over the past month, this debt collector, One Main Financial, over the past 4 weeks have attempted to call me multiple times per week, in some cases as many as 4 times per day, all within the hours they are allowed, but exceeding 7 times per week. 

They are repeatedly violating the FDCPA. Here is one month 's worth of call attempts. 

For the week of XXXX to XXXX they have attempted to reach me XXXX times ( with a day to go ) For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times For the week of XX/XX/XXXX to XX/XX/XXXX they have attempted to reach me XXXX times
Product: Mortgage

I applied to have my PMI removed from my loan from Home Point Financial in XX/XX/2020. To do this I needed to have my home valued at greater than " {$480000.00} to reach the required LTV of 75 % '' and thus would meet the requirement for PMI removal.

The company hired a person to do a BPO and his analysis ( price per sq foot ) suggested my house was worth $ XXXX. But then, wrote a value of $ XXXX, with no explanation of the lower value and no support for it. His report also had numerous errors such as having my sq footage at XXXX when its XXXX. 

My state assessor also assessed my home at a value of $ XXXX. I also provided 5 additional comps that showed my house value was above $ XXXX threshold to remove my PMI. 

I shared this information with homepoint financial and appealed the $ XXXX value which had no comps/evidence to support. They refused by appeal ( XX/XX/2020 ). I tried to call them to speak about this and they refused to speak to me and only referred me to an email address which I tried multiple times and was not successful in getting a response. 


It seems they are deliberately refusing to remove my PMI. The person they hired for the BPO came up with a value with no support, and it seems this was done intentionally so I would not meet the PMI threshold. The comps in the BPO report price per sq foot shows my home meets the requirement.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my account. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the account stated above .Also, I contact the bank thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my account and take the necessary steps to correct or remove this information from my credit report. 


XXXXXXXX XXXX XXXX XXXX
Product: Student loan

My loans were placed on SAVE forbearance. After switching to their new online system, my auto payment pulled a payment while I was in forbearance. I submitted to get a refund in XXXX. MOHELA states that they have received the request and are still processing it as of the end of XXXX. I have still not received my refund despite multiple calls and supposed escalation of the request on their end. I requested that the request be placed in my file which it never was.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraud alert on my credit report with Experian that I did not request to be placed. Following complaint # XXXX through the CFPB, I sent Experian the requested documentation to prove my identity. They have not responded and the fraud alert is still on my credit report. 

This has stopped me from being able to open new accounts. Most recently, it hindered my process in obtaining a cell phone.
Product: Checking or savings account

As you will see in the attached documents I have provided all statements from the 2 years I have used Chime. My money is deposited into the credit builder which is just a fancy debit card they reports to one Bureau supposedly every 30 days. That combined with my actual checking account if you add up all transactions in my account you will find discrepancies beyond repair. 

Below is my statement : I am writing this with great frustration regarding the missing funds in my account. Between the months of XXXX and XXXX, I noticed money missing from my account, totaling upwards of {$1000.00}. I have been patient and understanding up until this point, but I can no longer remain silent. 

I was promised an update on the situation by a supervisor named XXXX, but I never received one. 

Additionally, I was told that the issue would be resolved within 48 hours with consistent updates, as of now it appears that promise wont be kept. 

As a result of this situation, I will now be going back to XXXX XXXX XXXX and looking at all statements to find any other errors or discrepancies. It is unacceptable that I have to take matters into my own hands to ensure that my funds are being handled properly. 

Theres no particular transaction. The money is just gone. So I need all my transactions added up from XX/XX/XXXX to XX/XX/XXXX and find the difference of money missing since XXXX, XXXX, XXXX, XXXX, and XXXX cant assist me with why I have XXXX XXXX missing from my account between XXXX and XXXX of XXXX. 

A few days later : I was told that it is not {$1000.00} between those month but that it looks more like {$150.00} not accounted for so if thats the case {$150.00} x 24 months = {$3700.00}. 

So now, since we have an admission of guilt, I can either be refunded {$3700.00} or the {$1000.00} not in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Fl XXXX Credit Bureau RE : Update Personal Information To Whom This May Concern : I am writing to ensure the credit bureau is reporting accurate information at all times. I have highlighted the areas below that are inaccurate and shall be removed from my credit report immediately. 

Please delete the following inaccurate names : 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 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 Please delete the following inaccurate telephone numbers : ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of the particular items that you are reporting under FACTA Title 1 section 151. I have enclosed copies of my state ID and social security number to validate my identity. 

Regards, XXXX XXXX
Product: Debt collection

Sent a debt collection letter to a XXXX XXXX XXXX minor for a {$30.00} medical bill his parents had no notification of.
Product: Money transfer, virtual currency, or money service

I amfiling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Customer Financial Protection Act ( CPFA ) .Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian,XX/XX/XXXX and XXXX have arent complying with my dispute request. I have attached both letters Ive submitted to the three bureaus in the documents section below.
Product: Checking or savings account

In XX/XX/2022 I received a check in XXXX XXXX sent by Bank of America ( BofA ), {$6600.00} USD, already expired due to the large time that it takes when the cheapest postal service is used ; I asked BofA to send me a second check and use air mail service, but they told me that they could not the mailing rules of this bank. After 45 days I received this document and after the endorsement by my wife and me it was deposited in the account of a friend in XXXX, Texas, but after a great effort trying to get clear approval, this bank did not help me. A further check was issued and sent by the land service, but it was robbed by a thief in the XXXX, and cashed in a XXXX XXXX branch ( unfortunately without our endorsement signatures, was quickly cleared by BofA ).
Product: Checking or savings account

Unauthorized ATM withdrawal in the amount of {$580.00} on XX/XX/2025 at a XXXX XXXX ATM in XXXX XXXX, NJ. It was a USAA debit card ending in XXXX ( still in possession and has been deactivated ). USAA stated it was no fraudulent due to an inimitable CHIP read card was used. My wife and I were nowhere near that XXXX XXXX ATM in XXXX XXXX, NJ as that is an XXXX XXXX XXXXXXXX XXXX XXXX north of where we live. Police report has been filed but they not USAA have produced anything to help prove it was a fraudulent ATM withdrawal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank added a false late payment on my credit report which I have contacted them about it but to no avail. Because of this issue my report and credit limit has been declining.
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 XXXX tools, # XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXXXXXX XXXX, # XXXX us debt of XXXX XXXX XXXX XXXX XXXXXXXX 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 rights to privacy.

15 U.S.C 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax regarding the account for XXXX XXXX XXXX XXXX XXXX to update the debt to reflect XXXX balance or paid in full/closed as of XX/XX/XXXX. I submitted documentation to support the update request. I contacted Equifax on XX/XX/XXXX and after explaining the purpose of the dispute the CSR recommended, I submit the dispute to have the account updated quickly, it has been approximately 45 days and my Equifax dashboard is still reflecting the account balance as open/never late and displaying a balance of {$9200.00}. Again, the balance should reflect {$0.00} paid/never late. Equifax stated they would contact the creditor, XXXX XXXX XXXX XXXX XXXX, to verify the account status/balance. I also forwarded the supporting documentation that states the account is paid in full and closed via mail to Equifax on XX/XX/XXXX. I requested this account to be updated since I provided supporting documentation, specifically. Again, this is a lack of attention to detail on behalf of Equifax. If Equifax contacted the creditor XXXX XXXX XXXX XXXX XXXX, they would have confirmed that the information I provided along with the supporting document is sufficient for accurately updating the account. Each time I request the information to be updated correctly, it requires a new dispute which causes further delay.