23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In   XXXX  , my wife had   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and was not able to work. I could not make my mortgage payment on time to  Wells Fargo Home Mortgage. We submit paper work for a Loan Modification and th e bank did not approved it. Later on I visited a lawy er (   XXXX   XXXX   XXXX   XXXX   ), a nd the file bankruptcy for me, and they talked to the bank as well, and provide documentation again but the bank denied t he Loan Modification.    Now, my apartment is in foreclosure and they want also to do a short sale on the property also. I negotia ted with Wells Fargo agai n on  XXXX  for a modification and they dined it. The interest in the property is around 7 % which is not the interest on the market right now I want to keep my apartment, and I feel I am not well represented, and the bank it is not giving or helping on my situation.     Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

TARGET/TD XXXX Balance Owed : {$920.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$420.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX, XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX XXXX Balance Owed : {$620.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Consumer Loan

When I 'm unable to pay and set up a payment plan navy fed would lock my account and then not honor the payment plan date we would agree on and take more then what was due to be paid and withdraw it 1 or 2 days earlier causing me to get even more behind and frustrated that I ca n't make my payments.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XX/XX/2019 {$0.00} XXXX  These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit card or prepaid card

Update XXXX : To this day they have still not replied to any emails ( the one email they sent even told me to reply to it! ) and the charge has been re-applied to my card. This is teetering on a big lawsuit if they think they are going to falsely report me to credit agencies because they don't like to follow federal law. 

On XXXX, while on vacation in NY, I noticed a charge on my Avant Credit Card for {$1400.00} from XXXX XXXX NY. I contacted Avant to report my card lost and notify them of the unauthorized charge. They credited my account and sent a replacement card. I thought everything was fine. On XXXX I notice the charge had been re-applied. I was confused, because I thought this matter was complete. I called them and the rep was confused as well. I called back the following day and spoke with someone else, who told me a 'XXXX  XXXX had re-applied it because XXXX was in the area ' and/or 'I took a few days to report it lost '. I reported it lost the moment I realized it. 1 called 3 more times over the next week, each time being promised I would get a call back from XXXX, which never happened. I was even promised a call back from the rep who was going to see XXXX the following day. No call was ever received. on XX/XX/XXXX, I receive an email from XXXX stating the bank now wants a Police Report, which is fine, however I can not file that online for the reason ( lost card/unauthorized charges ) with the XXXX. I am XXXX miles away as well. I replied back asking how to proceed, but again, I am receiving no replies as of XX/XX/XXXX. It seems they don't want to handle the situation properly and are making me regret ever doing business with these third rate credit card companies. It was my understanding that I am not responsible for charges made without my consent, but yet here we are.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I submitted a letter to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. They were supposed to respond within 30 days, but have not. Our follow-up letters have also gone ignored.
Product: Checking or savings account

On the date of XX/XX/2022 XXXX was taking out of my savings and on the date of XX/XX/2022 XXXX and XXXX was taking out of my account at a Wells Fargo bank in XXXX, Florida, and Wells Fargo claims department says I gave someone permission to withdraw the money as I explained to Wells Fargo claims department. I live in XXXX SC why would I give someone permission in a place that I've never been and have no relative to withdraw XXXX dollars. This recently happened to this guy name XXXX XXXX in North Carolina with Wells Fargo and then they put his money back, I just need to get this resolved and your help would be greatly appreciated. Thank you.
Product: Debt collection

My name is XXXX XXXX. File # XXXX. I received a letter in the mail dated XXXX XXXX, 2017 regarding a balance owed XXXX XXXX XXXX in the amount of {$600.00}. I previously spoke to XXXX on XXXX XXXX, 2017 and advised that I had secured insurance coverage with another carrier prior to XXXX XXXX cancelling my policy. XXXX then advised me to send proof that I had insurance with another carrier. On XX/XX/XXXX, I emailed a copy of my declarations page to : XXXX. They continue to send me bills about paying this debt. I had insurance coverage for the period they are advising I owe. I advised the debt collector that it is illegal to insure one vehicle and property with multiple insurance carriers, but to no avail.
Product: Credit reporting or other personal consumer reports

Per XXXX XXXXXX/XX/XXXX, I received a notice from XXXXDepartment of Education that I received a total and permanent discharge of my student loans ( TPD ). This is not accurately reflected in all three credit bureaus. When I disputed the claim with Experian in late XXXX, for example, XXXX returned information saying that it was accurate. 

Further, my account with XXXX is reflecting a past due balance and after repeated communication, they have not responded or resolved the issue. 

Something is wrong with their system and it is costing me money. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to Transunion, XXXX and XXXX back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Driver 's license and social.
Product: Debt collection

We contracted with XXXX XXXX XXXX for internet and cable services. After the contract was ended, I chose not to renew and contacted XXXX XXXX XXXX notifying them that I did not want to renew the account and to cancel the service. I was never sent a final bill and assumed the account was intact. I later received a call from Credence Resource Management stating an arrears of XXXX was due. I never received a bill and asked for proof of the charges. They repeatedly called threatening to run my credit if I did not pay them the XXXX. I am a war veteran with XXXX and XXXX frustration and threats are triggers. I sent Credence the money to end the threats and harassment. I applied for a loan to purchase a home and the XXXX was placed as still owed on my credit report. I want my money returned and my credit cleared. I do not owe this company one cent and felt their abuse of power has caused me XXXX in trying to clear up a matter that has been wrongly represented.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and have been impacted by identity theft. As a result, unauthorized accounts and inquiries have appeared on my credit report. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately. 
Unauthorized Accounts XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$450.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX of my credit cards limit increased I sent equifax the information to update the account, on XX/XX/year>2025 I received an email stating my credit score change and the status of my account changed. When I logged in my credit score dropped XXXX points and my account was closed. I called equifax and they stated that the account is open I let them know I can see on my online account that the account is closed, I let them know that since they are reporting my account is closed that my score dropped. They keep telling me the account is open and they can't do anything further. Equifax is the only bureau that is reporting this account closed when it's not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX an inquiry from XXXX XXXX appeared on my report. I did not authorize this inquiry. I reached out to XXXX XXXX and they advised an application was submitted over the phone. I requested the application be cancelled. I requested Experian XXXX and XXXX remove the hard inquiry.
Product: Credit card

Starting in XXXX of XXXX  I stared being charged interest on my Apple Card. I called both Apple support and Goldman Saks several times only to be told they didnt have an answer, or it had to undergo a higher revenue and the would get back to me. They never have. And have been charging me interest ever since. I even tried to set up an auto pay for the XXXX of the month but was told they couldnt set any automatic payments until after the XXXX of the month. That wasnt mentioned in any of the agreement information. The account it current and I am still making payments on time but being charged interest, which according to allele wasnt supposed to happen. 
I am on an automatic installment plan of XXXX a month which is fine but these charges are for a different balance on the card. I pay the additional XXXX on top of that and still get charged interest. I currently owe about XXXX which I will have paid off by next month but it is really irksome that no one could answer my questions and they still kept charging interest and wouldnt allow me to set up a payment that would have avoided it. One this card is paid off I will never use it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute on XX/XX/XXXX to dispute bankruptcy. They have not provided any info to me and ita been 30 days. I sent letter certified and notarized. Thier failure to respond to my inquiry in said amount of time is a failure on thier part and therefore the bankruptcy needs to be immediately deleted. This is unverified, innacurrate, and must now be deleted without further delay
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 605B ( a ) the CREDIT REPORTING AGENCIES
Product: Checking or savings account

Bank of Albuquerque is the worst bank possible they have lost {$21000.00} of my hard earned money and they can not find it. I have contacted the branch I always visit in XXXX XXXX, NM and I have contacted the XXXX XXXX  no one cares and no one has done anything to try to help me find my money. XXXX is the Branch Manager of XXXX XXXX and of XXXX XXXX and is completely incompetant and can not handle these situations, and I have to suffer with missing money because of it.
Product: Credit reporting or other personal consumer reports

Dear Acima, I am writing in response to your recent correspondence regarding my request for documentation related to the late payment you reported to XXXX on my account [ Acima # XXXX. You have stated that you are not obligated to provide the requested documentation ; however, I must clarify that under the Fair Credit Reporting Act ( FCRA ) and related laws, you are legally required to respond and provide the information I have requested. 
Please allow me to remind you that under 15 U.S. Code 1681s-2 ( b ), you, as the furnisher of information, are required to investigate disputes that are sent to the credit reporting agencies, and upon receiving a dispute directly from the consumer, you must provide verification of the information you have reported. This includes ensuring that all necessary documentation is made available to me as the consumer. 
Furthermore, you are obligated to prove that you are in full compliance with the provisions outlined under 15 U.S. Code 1666b and 15 U.S. Code 1637 ( b ), which govern the reporting of late payments. Specifically : 1. 2. Proof of Compliance with 15 U.S. Code 1637 ( b ) : As outlined in my previous letter, I am requesting evidence that the periodic statement, which includes all required information, was mailed or delivered to me at least 21 days prior to the payment due date.

Detailed Documentation : I am requesting copies of the periodic statements for the relevant months, showing the necessary information, including the payment due date and the delivery date, in compliance with 15 U.S. Code 1637 ( b ). 
Please understand that if you can not provide this proof, your reporting of this late payment is a violation of the FCRA, and you are not authorized to continue reporting this inaccurate information. 
In your response, you must provide : Evidence that the periodic statement was mailed or delivered to me at least 21 days prior to the due date. 
Copies of the periodic statement showing compliance with 15 U.S. Code 1637 ( b ), including all necessary details.

If you are unable to provide these documents, I insist that the late payment report be removed from all credit reporting agencies immediately.

Failure to provide the requested documentation within 10 calendar days from the receipt of this notice will compel me to take appropriate legal action, including pursuing claims for willful noncompliance under 15 U.S. Code 1681n and 15 U.S. Code 1681o, as well as violations of the Fair Debt Collection Practices Act ( FDCPA ). 
I trust that you will promptly fulfill your legal obligations in this matter. 

Thank you for your immediate attention to this matter. I expect a written response no later than XX/XX/year>. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Credit Card Account was removed from my XXXX report. However, it 's still showing up on XXXX and Transunion. This is not my account, and it seems like XXXX has proven this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leahing 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 funds transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek the appropriate redress for these violations.
Product: Debt collection

You are reporting debt I don't owe. I have sent letters to all debt collectors and original merchants and you still report me illegally. Produce original documents. Now that I complained I am sure you will move the fraudently debt somewhere else. This is absolutely disgraceful. I want this debt removed it's fraud. You never once even reached out to me. Don't now that I have complained.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified has an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments. 
I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

Please provide me with a written response acknowledging the receipt of this dispute letter and informing me of the actions you will take to rectify the inaccuracies on my credit report. I also request a free copy of my updated credit report once the corrections have been made. Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I am writing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I deposited my stimulus and tax checking into my account on XXXX XXXX chase put a ten Buisness day hold on the check after nine Buisness days the money Became available in the account and they put a restriction on the account called in and was told that chase can not verify checks with the irs and I spoke with a manager he said bring in my documentation for the deposit from the irs I went and sent them over the documentation 4 times and they kept saying they didnt receive it I finally went back in to the branch and was advised that they dont take documentation and my money would remain on hold with chase and if the money cant be verified which they already said they cant do they will return my money to the irs and Im a mother of XXXX and Im already getting evicted
Product: Credit reporting, credit repair services, or other personal consumer reports

STARTED DISPUTING BACK IN XX/XX/XXXX ON XXXX XXXX.. AGAIN FILED A DISPUTE WITH TRANSUNION ON XX/XX/XXXX AND SENT MY BANKRUPTCY INFORMATION TO THEM AND THEY RECIEVED ON XX/XX/XXXX ... I WAS DISPUTING CREDITORS XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ( ALSO KNOWN AS XXXX XXXX XXXX XXXX ) # XXXX, AND FINALLY XXXX XXXX XXXX XXXX # XXXX ... THESE CREDITORS WERE FILED IN MY BANKRUPTCY ON XX/XX/XXXX.. THE COURT GRANTED ME A HARDSHIP DISCHARGE ON XX/XX/XXXX WHICH I WENT TO COURT REPRESENTING MYSELF EXPLAINING MY HARDSHIP AND THE COURT GRANTED ME THIS HARDSHIP DISCHARGE.. TRANSUNION HAS NOT CORRECTED THIS INFORMATION ON MY CREDIT REPORT.. XX/XX/XXXXALSO WAS SENT MY BANKRUPTCY DOCUMENTS AND HAVE CORRECTED THIS ON MY CREDIT REPORT.. TRANSUNION IS BEING VERY UNFAIR AND I SULLIED THEM WITH MY BANKRUPTCY DOCUMENTS.. PLEASE HELP ME.. THANK YOU XXXX XXXX XXXX
Product: Debt collection

Cease and Desist have been sent to ARstrat. I also demand to see The Bill of Assignments and Chain of Title of all alleged debt bearing my name to validate. I didn't directly consent for this company to have my personal information. I demand my personal data be deleted. ARstrat is only to contact me thru the CFPB, and stop communicating with third parties about my information. This company has also violated several consumer laws that protect from deceptive practices as stated in my letters. I will seek monetary damages
Product: Bank account or service

I signed up for a Citigold checking account with a promotion which stated if I opened an account, made 2 bill pays in 2 months I would received XXXX Thank You points. I did the requirements and confirmed with Citi that the bonus had been applied and I would be getting the points within 90 days. I waited 120 days, and after getting no bonus I messaged to ask when the points would be given. Again, I was promised the points would be posted to my account, but after an investigation was opened I received a letter that no bonus had been applied to my account. I feel that I was told by Citi and confirmed the bonus would apply only to have them deny it when time came due to pay.