23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I bought shoes on a scam website called XXXX. As soon as I submitted my credit card information I knew it was a scam because of the sketchy email. The charge that showed on my CC statement was " XXXX XXXX XXXX XXXX XXXX  {$180.00}. I submitted a dispute for that as it was a scam. 

On XX/XX/XXXX, the scammers attempted many many purchases through XXXX XXXX XXXX  a few of the purchases were declined, but two purchases went through : - XXXX  : {$2700.00} -XXXX : {$13000.00} The AMEX Fraud team called me themselves due to the suspicious activity. I said it was 100 % not me that made the purchases and it was fraud. They closed my credit card and sent me a new one and credited my account for the amount. 

On XX/XX/XXXX, the AMEX Fraud team called me and asked if I put my credit card information to the scam website I said that I did. They then rejected my Fraud Claim on the terms that I gave the website my information, and debited my account {$16000.00}. I 100000 % never made these purchases.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Late Payments for XXXX XXXX XXXX To Whom It May Concern, I am writing regarding inaccurate late payments reported on my credit report for the account listed below : **Account Name : ** XXXX XXXX XXXX XXXXAccount Number : ** XXXX Despite my previous attempts to resolve this matter, these late payments remain on my report. This inaccuracy is causing significant harm to my ability to purchase a home, and I require immediate attention to this issue. 

Under the **Fair Credit Reporting Act ( FCRA ), Section 611** [ 15 U.S. Code 1681i ], you are required to conduct a reasonable investigation into any disputed information on my credit report. I am requesting that you provide documentation showing how you verified the accuracy of these late payments. If you are unable to provide proof that a proper investigation was conducted and that the reported late payments are accurate, you must either delete the account or update it to reflect accurate information within **15 days** of receiving this letter.

Additionally, per the **FCRA, Section 623 ( a ) ( 1 ) ( B ) **, if the furnisher of information can not provide sufficient documentation to verify the accuracy of the reported information, you are obligated to remove it. If Experian can not confirm the validity of these late payments or show evidence of compliance with FCRA-mandated investigation protocols, the information must be removed to ensure my credit report remains fair and accurate. 

I expect a written response confirming your actions on this matter. Failure to respond appropriately will leave me no choice but to escalate the issue with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights under the FCRA. 

Thank you for addressing this issue promptly. I look forward to your response. 

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

Equifax is reporting a late payment for XXXX and XXXX showing as charged off. These accounts are fraudulent and need to be removed immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against XXXX XXXX XXXX known as Cash App, for lack of customer service deception and unfair practices, violating the Consumer Financial Protection Act. My account was unprotected due to Cash Apps negligence to timely address fraud, they did not comply with error resolution requirements under the Electronic Fund Transfer Act and regulation E. All of their actions have caused me financial loss and have jeopardized my privacy due to their data break.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX {$25000.00}, XXXX XXXX XXXX Account # XXXX {$100.00}, XXXX XXXX XXXX {$370.00}. 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: Mortgage

Newrez LLC purchased my mortgage. They added PMI to back to my payments after I had paid the first month with this new mortgage company. I have requested this be removed and the amount charged to me be refunded. I have sent 4 or 5 emails, I have also called them 6 or 8 times. I have been told repeatedly that this is pending and I need to allow the appropriate department to process the complaint and ticket. I was told by one representative that she could see the required documents to remove PMI from my previous mortgage company. I am at 6 months of waiting for a refund and I see 8 charges for PMI at a cost of {$58.00} per charge.

I have requested refunds, managers, call backs, removal of the charge from my monthly payment several times and nothing has been resolved. I received no call backs, they refused to resolve any issue any time I called. Meanwhile, they revised my escrow payment and continue to raise my mortgage rate.
Product: Debt collection

I requested validation of debt on XX/XX/XXXX from PINNACLE CREDIT SERVICES , LLC Address : XXXX XXXX XXXX, XXXX, SC, XXXX Date Opened : XX/XX/XXXX Amount of debt : {$300.00} In my validation request. I requested " Original Account-Level Documentation '', Purchase Contract and Reasonable Investigation. I asked creditor to verify name on original contract, address on original contract, date of birth on original contract, and signature on original contract. 

I also informed creditor to please investigate but Creditor refused to provide reasonable investigation and original account-level documentation. Creditor sent me a letter demanding I file a police report, sign a affidavit, and contact the original creditor for the original contract. 

Creditor continue to report this collection on my creditor report without account-level documentation, purchased contract, and reasonable investigation. Creditor falsely informed my credit bureaus they verified debt. Creditor violated same rules as XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, AND XXXX XXXX. XXXX ADMINISTRATIVE PROCEEDING File No. XXXX XXXX
Product: Credit card or prepaid card

I am a long-time Chase Bank customer . I received an offer for a 0 % balance transfer for the " Chase Freedom Flex '' credit card with a " Respond Now '' button on my Chase account online. Chase did NOT make it clear that the 0 % balance transfer only applied to balance transfers from other banks. I was planning to do a balance transfer from my other Chase card. I clicked " Respond Now '' and when prompted to enter the credit card number that I wanted to do a balance transfer from, I entered my other Chase credit card number. I did not receive any alerts notifying me that I was not eligible to transfer the balance from another Chase card to receive the 0 % offer on the Chase Freedom Flex card. Rather, I was allowed to complete the workflow and moments later my Chase account log-in showed a Chase Freedom Flex card as one of my Chase accounts.

However Chase did not ever process the balance transfer request. I called Chase to inquire about the status of the balance transfer. I was first told that " there is no 0 % balance transfer offer for this card. '' When I explained that I could see text on the Chase website conveying the 0 % balance transfer offer, I was transferred to the Chase Freedom Flex customer service department. 

The Chase Freedom Flex customer service agent told me that it would take a few days to process the 0 % offer. They then asked what card I was trying to do a balance transfer from. I told them that I was trying to transfer from my other Chase credit card. It was only at that point ( after I had applied for the card including balance transfer offer, had the card opened on my account, and contacted customer service and spoken to two customer service agents ) that I was notified that the 0 % balance transfer offer does not apply to other Chase credit cards. I told the customer service agent that this was never made clear to me and the only reason I opened the Chase Freedom Flex card had been to transfer the high-interest balance from my other Chase card XXXX The customer service agent apologized but did not offer a solution. 

In discussing this situation with several friends I have learned that other financial institutions, such as XXXX, notify customers with a pop-up alert during the balance transfer process if they try to transfer a balance from another XXXXXXXX XXXX card. There is no reason Chase does not have a pop-up or other notice in the card application workflow to notify customers that they can not transfer the balance from another Chase card. If I had received a pop-up notification informing me I could not transfer the balance from another Chase card, I would not have opened my Chase Freedom Flex card at all.

I feel like I was tricked by Chase into opening another Chase credit card that I do not want or need, on the premise of having a 0 % balance transfer available. I was never notified that I could not transfer a balance from another Chase card to this new Chase credit card, and never would have opened the Chase Freedom Flex card if I knew I could not transfer a balance from my other Chase credit card.
Product: Debt collection

I get a message every other week from this number, ( XXXX ) XXXX. I am asked to call ( XXXX ) XXXX to discuss paying off a debt in excess of XXXX. I never made a loan with this company XXXX XXXX, nor am I familiar with this company. I have never called either of the numbers because I don't know if they are trying to capture my voice or detect other information from a phone call. I want them to stop their communication and all contact with me. I don't know them, I don't owe them, that's the bottom line!!!! 
The company is Spring Oaks Capital , LLC. Formerly XXXX XXXX.
Product: Debt collection

XX/XX/year> : Received an invoice from XXXX XXXXXXXX XXXX, claiming additional charges of {$3300.00} after move-out, which I immediately disputed in writing with supporting evidence ( e.g., video of the apartment ). Requested the charges not be sent to collections until resolved. 

XXXXXXXX XXXX XXXX Multiple follow-ups to resolve the dispute with XXXX  went unanswered. My requests to avoid collections and resolve the matter professionally were ignored. 

XX/XX/year> : Received a call from XXXX XXXX ( collections agency ) regarding the disputed debt. I immediately disputed the debt verbally and requested that collection activity cease until proper validation was provided. 

XX/XX/year> : Sent Email to XXXX XXXX aasking to put all communication into email and to immediately cease debt collections. I also specifically ask that this not be reported to credit bureaus XX/XX/year> : Spoke with XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX XXXX, requesting evidence of charges ( e.g., photos ) and resolution. He refused to provide evidence and insisted on proceeding with collections. 

XX/XX/year> : After not receiving any confirmation wrote additional email to XXXX XXXX asking to respond if they received dispute XX/XX/XXXX, Noticed debt was reported to transunion- immediately emailed XXXX XXXX XX/XX/XXXX, Received an email from XXXX XXXX acknowledging that i needed to give them consent to call me and agree to the following terms : XXXX give express consent to XXXX XXXX XXXX its affiliates to contact you via XXXX XXXX, cellular telephone, text messages, e-mail, other electronic means and/or through an automated telephone dialing system, artificial voice, or prerecorded messaging system. 
Have a great day! 

XX/XX/XXXX : I respond back telling them I do not agree to these terms- and to proceed with removing my debt until all evidence is provided and properly handled. 

XX/XX/XXXX : Ask for them to respond or confirm email
Product: Mortgage

On XX/XX/XXXX XXXX XXXX XXXX XXXX payment applied to the account. Bureau reporting 30 day late in error. Requesting 30 day late to be removed. See bank statement. I have several accounts with Chase and made XX/XX/XXXX payment on XX/XX/XXXX. Supporting documentation attached. Requesting to remove 30 day late for mortgage ending in # XXXX. Bank statement showing payment in the amount of {$620.00} and all other Chase payments were made same date but other Chase mortgages are not reflecting 30 day late. Requesting to remove 30 day late. Chase mortgage ending in # XXXX - monthly payment for the account is {$2000.00} Last mortgage payment made XX/XX/XXXX. I received payoff letter requesting {$770.00} payment. When I tried to pay amount requested Chase web pay and chase auto phone would not accept the payment. I was not aware funds had to be wired resulting to {$770.00} deficiency balance causing my loan to go 30 days past due. Requesting 30 day late payment to be removed from bureau. All bureaus are not reporting same history.
Product: Checking or savings account

I opened a No Fee CD with Marcus by Goldman, transferring funds from a savings account that I, at the time, held with XXXX. I was forced to close my XXXX XXXX  accounts due to an external issue with a previous co-signer. I opened new accounts at XXXX. I then ran into an issue where I needed the money from the No Fee CD asap - unexpected home repair - I spent hours on the phone with Marcus by Goldman, speaking to several different reps from customer service and securities division, my transfer kept getting cancelled over and over due to " Fast money movement. '' I explained the situation over and over, we 3-way called XXXX XXXX  to verify that the account was closed, and I was told I was all set. I sent the transfer over, to my external account and kept getting it declined. I was lied to over a recorded line, several times, and unable to rapidly access my No Fee CD. The terms say " Withdrawals permitted starting XXXX days after the funding date. " I can not wait for a check as I need to pay a contractor ASAP to get my heat working at my house.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1000.00}
Product: Checking or savings account

At the beginning of XXXX, I found out that all my accounts in Bank of America are closed : 1. Checking account 2. Credit card account 3. Business checking account In my profile, there is the note - not to open new accounts for me 1. I never had any debts in the bank 2.  Never made any suspicious operations That created a huge problem because there was no notification about this and I can't pay the salary to my employees because I can't get access to the funds and no one knows when I get my money But the worst! Why? Why my accounts were closed? What was that problem that accused and that can't be solved with the bank we really liked as the family and as the business?
Product: Debt collection

Today I received a call for the collection department for the XXXX payment and I told the collection representative that I had till the XXXX before the payment was late. The representative try to lie to me and say that the payment was due on the XXXX and that they give us a grace period of 15 days to make the payment which is not true according to the note that I sign which state that by the end of XXXX calendar day the holder of the note is late. To me it felt like they were trying to harsh me for my payment right when I stated that I had till the XXXX to make my payment. the collection agent was very rude and aggressive and I did not like this matter at all
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX  SERVICES CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX  FIRST FED CREDIT CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXXXXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it may concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately.

Enclosed will be a copy of my police report pertaining to the item supporting my position.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint Against Experian Regarding Inaccuracies In My Personal Information As Reported In My Credit Report.

Details Of The Dispute : 1. Incorrect Name : My Current Legal Name Is XXXX XXXX, But It Is Incorrectly Listed As XXXX XXXX. On My Credit Report. I Request That My Name Be Updated To Reflect The Correct Information.

2. Outdated Address : My Current Residential Address Is XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX, While My Credit Report Shows An Outdated Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. I Request That My Current Address Be Updated Accordingly. 


3. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as EMPLOYED. I request that employer be updated to reflect the correct information. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to inform you that the current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise correct these accounts immediately : XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX Balance : {$24.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX Balance : {$2600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act the following accounts have violated my federally protected consumer rights and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A, State I have the right to privacy 15 U.S.C 1681 Section 602 A ( 2 ) States a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

15 U.S.C 15-2 ( A ) ( 1 ) Reporting information with actual knowledge of errors 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. 

And in accordance with the new law put in place with the cares act any accommodation given to a consumer...
Product: Debt collection

I received a call last week about a medical debt of {$200.00}. I informed the rep that I had not received any statements or bills from GLA. When they confirmed my address it was missing the last number. I provided them with my correct address and advised that I would like to receive the statement by mail. I still have not received the statement. I also let them know that I lost my job in XX/XX/2023 and could not pay anything at this time. I also let them know that the bill is fraudulent because the hospital wheeled me outside and refused to provide me service. This was during the height of covid and they were placing patients outside and never came back to provide care. 

I received another call today. The rep was rude, mimicked me, and talked over me and would not confirm if they sent out a statement with the debt. I asked to speak to a supervisor who said her name is XXXX XXXX The supervisor, refused to send me a statement and told me that they had the correct address. When I tried to explain that I had corrected the address last week, and requested that she send me a statement, she refused.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items. 
2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX XXXX.
Product: Student loan

My student loans were consolidated under the company XXXX and I submitted a completed application for PSLF with qualifying payments. The customer service rep at XXXX XXXX assured me payment counts just needed to be updated and I would actually be receiving a refund for overpayment. THENmy loans were transferred to MOHELA. I resubmitted the same paperwork for the PSLF waiver and have contacted them via email and phone. My payment counts moved a bit, but not nearly what I have paid. Ive been a XXXX for 20 years at the SAME place of employment. Employee is verified. I feel that MOHELA is overwhelmed and they are not really looking at my history. The payments are to resume in XXXX and I should be waived for overpayment. Im struggling with how yo proceed. Please help a desperate XXXX