23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the XXXX XXXX ( XXXX ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, XXXX, and XXXX. Consumer reporting agencies are non-affiliated third parties with which XXXX has shared my NPPI. XXXX, XXXX, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the XXXX XXXX. My rights have also been violated in XXXX as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.
Product: Debt collection

Midland Credit Management XXXX is the most terroristic harrassment agency I have ever dealt with in XXXX years. We are XXXX and aged and have never owed anyone anything except for our mortgage which has been paid off for over 20 years. This company began calling us in XXXX XXXX regarding a debt that is n't even ours. They ask for someone named XXXX XXXX. They now change it to XXXX XXXX. We filed a complaint with the XXXX XXXX which was a joke. Even MCM reps said " go right ahead and see what happens to you, we pay them under the table. '' Their legal counsel XXXX XXXX told the XXXX that they stopped calling on XXXX/XXXX/16 which is a total lie. We had received over XXXX calls before that and have received over XXXX since then. When I confront him he swears and threatens us. XXXX of their reps even having us killed by the XXXX. The person stated " We know where you live and it is close to XXXX where the largest XXXX XXXX and possible in America are located. '' This has been reported to our local law enforcement in case they do. We continue to receive calls even after confronting XXXX XXXX as recently as Monday XXXX/XXXX/16. He gives all kinds of total excuses. We are harassed, called names such as " XXXX '' from them. They hire XXXX in XXXX who say we will never be called again. Their reps are so XXXX, XXXX of them could not even multiply XXXX. They argued it was XXXX. XXXX XXXX just laughed about it.
Product: Credit card

I have cancelled XXXX credit cards since XX/XX/XXXX, after I was accused of providing late payment via mail on credit card bills. XXXX card was a JC Penney credit card, a XXXX card was a BP Visa Card, and a XXXX was a XXXX XXXX XXXX card. In all XXXX cases, the bank/sender of the credit card statements claimed that they received payment/check from me through the mail " just after the payment due date. '' I have had credit cards for over 30 years, and have never had to make a late payment fee for any cards prior to this past year. This recent problem with late payments on credit cards bills has not occurred with any other credit cards. XXXX of the cards are those issued by Synchrony Bank, and the XXXX was issued by XXXX. 
XX/XX/XXXX -- JC Penney card, {$17.00} late fee chargedXXXX XXXX -- BP Visa card, {$25.00} late fee chargedXXXX XXXX -- XXXX XXXX XXXX card, {$25.00} late fee chargedIn each case, I mailed my payment check 3 weeks ahead of the due date, and yet, the credit card company/bank said the payment arrived late. I find this suspicious, and wonder if it has anything to do with my never having paid late fees in my history of using credit cards. Is it possible this is a scam to make at least some money off of me, since credit card annual fees do n't exist on the cards? I had at least XXXX credit card company say directly to me many years ago that they could n't make money off of someone like me, after i asked to cancel my account with them since i did n't want to pay the annual fee on the card.
Product: Credit card or prepaid card

Twice, I have been convinced to sign up for a XXXX XXXX  credit card in store .. and twice, I have received my first bill after the due date for initial payment. 

The first time, I thought that maybe I had missed the first bill. This time, however, I was diligent in looking out for it. Sure enough, the bill arrived on XX/XX/XXXX -- with a {$29.00} in fees and interest on a {$100.00} bill. The statement closing date : XXXX XXXX. That would be fine, except there was no bill sent prior to XXXX XXXX. 

I have checked every piece of mail that has come into the house and received only a XXXX XXXX notice about the credit card and the card itself. However, no bill ever arrived. I also checked my email. The first time I ever heard from Synchrony Bank or XXXX XXXX about this bill was on XXXX XXXX. 

The remedy here isn't to waive the charges. I already did that. In fact, they do it so automatically that I assume this must be part of the process. If anyone complains, just waive the charges. I also paid the whole bill, and once again cancelled the card. My issue is with XXXX/Gap 's customer-unfriendly practices that essentially pressure people into getting a card in the store and then make it difficult for them to pay off the bill. Had this happened once, I might have written it off as my mistake. [ I'm never late in paying credit card bills and have an excellent credit score. ] However, it's now happened twice with XXXX XXXX/XXXX  XXXX. products. 

I'm a financially savvy person who knows to call the company ( Synchrony Bank ) and complain. What about the people who just get their first bill and then panic when they see the fees? It's not fair. Every other credit card company has to give people fair warning when bills are due. Maybe XXXX  XXXX will say they sent me my first bill and it must not have arrived. What are the odds of that happening twice? 

They deserve to be penalized for this persistent pattern and happy to give whatever evidence is needed to do so. Thanks.
Product: Credit reporting or other personal consumer reports

I received confirmation that On XX/XX/2025 XXXX XXXX XXXX was removed from my report. However today XXXX XXXX I decide to go take a look at my consumer report and noticed Equifax lied about correcting an error on my report which left me no choice but to dispute the item again. Equifax has violated 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ), which covers reinserted information.
Product: Credit reporting or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items.I have attached the important documentation, including identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Web/fingerhut account is closed and paid in full! I disputed this account, because a late payment was put on this account due to a billing error! According to ( 15 USC CODE 1666b ) This is a violation.
Product: Vehicle loan or lease

I am so upside down in a car loan through Santander consumer and my car note is extremely high as well. Im not able to refinance nor trade the car in due to owing so much. They also report incorrect information on my credit report. I have never received any paperwork pertaining to my information I have requested. I had the car going on 4 years and still have 3 or 4 more. Im not sure how this could be possible.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$250000.00} XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$250000.00} XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$250000.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I checked my credit report and saw on XXXX that on that day XX/XX/2024, TD Bank/Target Card was reporting a balance on my credit report even though that exact balance was paid in full. They are purposely reporting false information on my credit reports.
Product: Checking or savings account

My truist business account has been cleaned {$3000.00} dollars due to truist low security!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not mark this issue as a duplicate. There have been updates to my report so this complaint is based on the updates, so it is an entirely new complaint. 

It looks like we are making progress because now XXXX at least corrected how they were marking my account as delinquent for the time period before receiving the invoice! They also finally applied a payment to my account. The problem is that there are still negative remarks that do not apply. Please see attached documentation and do not simply take XXXX 's testimony as fact- they have a documented history of making false remarks on consumer credit reports.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

this account does not belong to me and its original creditor is XXXX XXXX, XXXX not buying XXXX  for any women and definately not myself. please remove
Product: Credit card or prepaid card

I purchased a Business class ticket with my Chase card for {$2800.00}. Upon checking in at the airport, I was advised the ticket was purchased with award miles, which I was not aware of. I was asked for the account holder membership number which i did not know, I contacted the travel agent that sold me the ticket and there was no reply I was not able to board the flight. I then Had to purchase a new ticket at the counter, which cost me {$4000.00}. XXXX I immediately reported the matter to Chase Card services and disputed the charge of {$2800.00}, This matter has been ongoing since XXXX XXXX, 2017. I have submitted all supporting documents to Chase, Along with supporting Documents from the Airline involved, supporting that the travel agent methods were fraudulent,. Chase has refused to remove the charges, claiming the charge is valid. I have requested that Chase provides me with, the correspondence from the merchant which they have refused. I received a letter from Chase card services stating that " Although I have a justifiable dispute '' their findings remains the same, the charges are valid. How is this a resolution? Chase has refused to protect me from a fraudulent merchant. Basically telling me as a consumer I have no rights or protection when using their credit card.
Product: Credit reporting or other personal consumer reports

On XX/XX/, I submitted supporting documentation to have items from when I was XXXX  off my credit report with experian. Experian refuses to remove the items although I submitted all documentation that was requested per their site in regards to the act President Biden passed.
Product: Mortgage

Flagstar Bank is not applying extra payments toward our loan principle. they are instead applying part of the money toward interest that would have been charged every month if we only paid the monthly amount due. 

in this instance, we paid an extra {$10000.00}. they applied {$6100.00} toward the principle and {$2400.00} toward interest. distributing the {$10000.00} payment over XXXX months payment schedule. 

in addition they " save '' any amount which is not a multiple of our monthly payment for application to next months payment, they hold the money without applying it to our loan, neither the principle or the interest. 

We have asked them repeatedly to apply our extra payments directly to the principle and not the interest. This practice adds thousands extra to our total loan cost and increases the pay-off time. they have never fixed this practice since our loan was transferred to them.
Product: Checking or savings account

i have my Coinbase account blocked since XXXX, XXXX, 2021 I have try to complite my personal dates, reset my account and solved the problem with them but without success. 
For this reason i cant move or remove my money from taht count.
Product: Money transfer, virtual currency, or money service

Money was sent from XXXX bank to Amex to make a payment on a Amex credit card using XXXX online bill pay services. The payment was sent on XX/XX/XXXX in the amount of XXXX $ and XX/XX/XXXX in the amount of XXXX XXXX The payments made did not go to the correct account number at Amex and they claim that the money was sent back to XXXX on the day it was received. XXXX claims that they have never received the money back and it has not been deposited into my account. I have spent 20 plus hours dealing with both companies and neither of them can tell me where my money is at. Amex is claiming that it could be the third party processor of chase that has the money but again XXXX does not have the money.
Product: Credit reporting or other personal consumer reports

In these accounts that contain late payments, incorrect information has to be reviewed and eliminated. This is incorrectly reported under my name and affects me too much. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Late Dates : XX/XX/XXXX Balance : {$6.00} and XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Late Dates XX/XX/XXXX Balance : {$0.00}.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX, XXXX, 2025 Source Recievables Management XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Subject : Debt Cancellation Due to Sale by Original Creditor Dear Source Recievable Management, I am writing regarding the alleged debt associated with account number XXXX which you claim I owe. After reviewing the circumstances surrounding this account, I believe that this debt is no longer valid for the following reasons : The original creditor, XXXX XXXX XXXX XXXX has sold or transferred the debt to your company or another third party. 
I have not received sufficient documentation or proof of your legal right to collect this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection efforts and cancel this debt unless you can provide the following : Proof of ownership of the debt, including the purchase agreement from the original creditor. 
A complete payment history and account statements from the original creditor to verify the accuracy of the debt. 
If you are unable to provide the requested information, I expect you to update my credit report and confirm in writing that the debt has been canceled. Please note that any continued attempts to collect on this debt without proper validation will be reported to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). 

I look forward to your written response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Checking or savings account

I deposited a loan check in my account via ATM on XXXX XX/XX/XXXX and the next day they restricted my account and then after several attempts to contact them, chase bank told me they were closing my account and ending our relationship. Now all my money is unavailable until they close the account
Product: Mortgage

We still do not have a resolution from the lender and they reordered the appraisal because they made a mistake on the previous one. Also, to add, it is very hard to get a representative on the line, usually the call drops, the Point of Contact does not respond to my emails, and most of the time the Point of Contact is unavailable when I try to reach him via phone call. We are about to lose the buyer and we need to close this XXXX.
Product: Debt collection

To Whom It May Concern, I am writing to demand the immediate removal of fraudulent accounts that appear on my credit report. I have discovered unauthorized accounts opened in my name, which I did not apply for, authorize, or have any knowledge of. This is a clear case of identity theft, and I will not tolerate it any longer. 

*Account name : XXXX XXXX XXXX XXXX Account number : XXXX Amount : {$180.00} Date open : XX/XX/year>XXXX  These accounts are not only damaging my credit, but they are also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that these fraudulent accounts be removed from my credit report IMMEDIATELY. You are legally obligated to investigate these claims and resolve this matter within 30 days. I expect you to take swift action and remove these fraudulent accounts from my report within the required timeframe. Should you fail to act promptly, I will have no choice but to escalate this matter. Let me be clearif this issue is not resolved within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. I will also take legal action to ensure that my rights are upheld and to seek damages for any harm this fraudulent activity has caused to my credit and financial well-being. I will not tolerate delays, excuses, or negligence. This situation requires your IMMEDIATE attention. Please provide me with written confirmation that these fraudulent accounts have been removed, along with the results of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice that i never acquired to get credit with these company 's theses inquires were not authorized by me it was an attempt to commit fraud. 


5inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
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 XXXX, XXXX and Equifax 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: Credit card or prepaid card

I got a prepaid Credit Card from First Progress Bank in XXXX I was charged a I deposited {$500.00} and was charged a {$49.00} annual fee a week was deducted from the initial deposit. Their was always an issued when it came to using the card each time I had to get authorization. My monthly payment of {$80.00} was deducted from the balanced but I still had to make a payment each month. in XXXX I was charged a {$40.00} late fee after the {$80.00} was taken from my balance if I was charged {$10.00} to pay with a debit card or send in mail which takes 2 weeks. I called in on XX/XX/2021 and ask that the account be closed and was told if I closed the account it would take up to 10 weeks from them to refund my balance. I told her to leave the account open so that I could spend the money. I was charged the {$40.00} late fee. I told account representative that I pay the {$80.00} he said it would take one say after the payment was received to restore the credit card. I the payment on XXXX XXXX. The funds were cleared my on XXXX XXXX. On XX/XX/2021 I went to used the card and it did not working. When I returned and check the mail, their was a letter from First Progress Bank letting me know th account cancelled. I called Costumer Service and to no matter who go to and file a compliant I was going have to wait 10 weeks every to get my deposit. he could not explain to me why it takes 10 weeks when I didnot have any issues with the account, no pending charges because I was unable to access the card for the pass 2 months I told him I want my money within 7 days