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

They told me that my account has been placed under review but refused to tell me why. I asked to speak to a supervisor and I was refused and then ultimately was hung up on. I also asked for a number to the corporate office to talk to somebody that was capable of making a decision and I was refuse that number.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice and demand for immediate action regarding multiple inaccuracies on my credit report, which you have negligently allowed to tarnish my financial reputation. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ) and 623 ( 15 U.S.C. 1681s-2 ), I am exercising my right to challenge and demand the correction of these inaccuracies posthaste. I XXXX XXXX XXXX have listed below the item being disputed : XXXX XXXX which is a XXXX Loan which has never been past due but yet has been reported past due and impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017 and Experian XXXX/XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.
Product: Money transfer, virtual currency, or money service

DOESN'T RECOGNIZE RESET PASSWORD CANT SEN MONEY " PAYMENTS DENIED EVEN AFTER LINKED TO GOOD ACCOUNT NO SATISFACTORY HELP OR TROUBLESHOOTING ASSISTANCE
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 any fraud other platform, leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electric Fund Transfer App ( EFTA ) and regulation E. These actions have cause a significant inconvenience and financial loss and I seek appropriate redress for this violation.
Product: Credit reporting or other personal consumer reports

There are XXXX accounts on XXXX XXXX, Equifax and XXXX that has been reported incorrectly and have not been corrected or deleted by the credut reporting companies. They are listed below as follows : XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$3800.00} XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$870.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$1900.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX ( XXXX. ) Credit limit of {$2000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2000.00} XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account XXXX XXXX XXXX XXXX XXXXcount Type Revolving Account Loan Type CREDIT CARD Balance {$1200.00} Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type XXXX Balance {$24000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< XXXX XXXX XXXX XX/XX/XXXX Terms {$0.00} per month, paid Monthly for XXXX  months Date Closed XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Balance {$9600.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Account Information Address XXXX XXXX XXXX XXXX, NC XXXX Phone XXXX XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type XXXX Balance {$14000.00} Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms {$0.00} per month, paid Monthly for XXXX  months Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$18000.00} from XX/XX/XXXX to XX/XX/XXXX
Product: Debt collection

These people are calling each and every one of my telephone lines constantly, several times a day, every day. I need this to stop. They are sharing my information with others and have contacted me on numerous occasions at my place of employment. They are harassing me and my children and making threats, going to my home and banging on the door at all hours. They 've made numerous withdrawals from my account and are saying that I still owe money. I need them to stop immediately.
Product: Mortgage

I recently made a mortgage loan through XXXX XXXX XXXX, in Utah, USA. I've received a letter from PennyMac stating they had bought the mortgage servicing rights, and demanding payment. I am unfamiliar with this company. I called PennyMac requesting verification that they do in fact own the servicing rights, which they refused to provide. The letter sent does not include the required disclosures of 12 CFR Part 1026.39, specifically : 1. 1026.39 ( d ) ( 3 ) The name, address and telephone number of an agent or party authorized to receive notice of the right to rescind and resolve issues concerning the consumer 's payments on the loan. 

2. 1026.39 ( d ) ( 4 ) Where transfer of ownership of the debt to the covered person is or may be recorded in public records, or, alternatively, that the transfer of ownership has not been recorded in public records at the time the disclosure is provided. 

I have no way to verify whether this is legitimate or a scam.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulent addresses I have never lived in either address an will like them removed from my credit by law they shouldn't be on my credit report fraudulent
Product: Credit reporting or other personal consumer reports

Subject : Urgent Matter - Identity Theft and Credit Profile Concerns DO NOT IGNORE Dear XXXX, Transunion, XXXX, I am XXXX XXXX and I find myself in a distressing situation that requires immediate attention. My identity has been compromised, leading to significant damage to my credit profile. Despite seeking help repeatedly, my efforts have not yielded the resolution I desperately need. 

I am writing to address the unauthorized use of my social security number and card, which has resulted in accounts being opened without my consent. I want to emphasize that I did not authorize these accounts, nor do they have any connection to my actions. This situation is particularly alarming as it not only affects me but also jeopardizes the well-being of my children and my livelihood. 

I kindly request that you promptly remove this damaging information from my credit file within four days of receiving this letter, in accordance with 15 U.S. Code 1681c2.

Furthermore, as a consumer, I am entitled to know the steps your agency has taken to ensure the accuracy of these items, as outlined in 15 U.S.C. 1681i ( 7 ). I request a thorough description of the verification process, including the business name and address of any furnisher of information contacted, along with their telephone number if reasonably available. Please provide this information within 15 days of receiving my request. 

I urge you to take immediate action to rectify this situation by removing all unauthorized accounts associated with my name. 

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

I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX XXXX I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX, AS REQUESTED.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

i applied to the vermont homeowners assistance program in XXXX XXXX XXXX.i was approved for a grant to reinstate my mortgage on XXXXXXXX sent an I-record request on that date and my mortgage company which is fay servicing have not responded to the I-record request. this is hold up the funds and they want to foreclose on me. if they had responded i could have resumed my payments, now i am way behind instead of being only 3 or 4 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Credit Report on XX/XX/XXXX and notice there were hard inquiries that dont have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under 15 USC 1681b. I also have listed the hard inquiries that dont have any purpose to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I applied for Capital one which they approved me for a capital one 360 account I inserted {$1300.00} into the account the account been open less than a month I now have {$330.00} in my account they are not releasing my funds due to not able to verify my identity. 

This is awful why have a system in place for consumers to apply in which it cant be verified at the time of application? 

XX/XX/19 between XXXX XXXX I called and spoke to a representative who was insensitive and was mimicking my voice and basically not professional to when I told him his conversation was being recorded he wanted to hang up. 

Capital one get people to sign up to basically take advantage of them. The man said I cant idenitify you so youre not getting your money .. 

These conversations should be monitored and recorded in which this one should have been because this rep XXXX! 

I just want my {$330.00} if they want to close the account after I withdraw my funds that would be great
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this item with XXXX, but they still sold the account to a collection company. This account was fraudulently set up. 
XXXX ( XXXX ) XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Product: Debt collection

On XX/XX/XXXX I received a notice of garnishment in the mail. Until that time I had been unaware of the debt, a {$500.00} line of credit I had opened in XX/XX/XXXX at Oregon XXXX XXXX XXXX when I was living in Oregon 14 years ago. I had completely forgotten about it, and I never received any notices for any hearings or judgments. Upon receiving the notice of garnishment for the total amount of {$1600.00}, I contacted [ collections agency ] and worked out a payment plan of $ [ XXXX ] a month, to be withdrawn by [ collections agency ] on a monthly basis out of my bank account. I checked at the end of the month to make sure the payment had gone through successfully, and it had. On XXXX XXXX, XXXX I received notice from my bank that [ collections agency ] had withdrawn the entirety of the money in the account, totaling $ [ XXXX ]. When I called [ collections aghency ] to inquire about this, the representatives confirmed that they had received the XX/XX/XXXX payment but said they had not withdrawn any subsequent monthly payments due to a mistake in their records, and upon realizing their mistake, they withdrew all of the money in the account instead of just the missed interim payments. Though they acknowledged that it was an error on their end, they told me I should have known of the error and found another way to pay them somehow, and then they demanded I pay the remainder of the total amount of the debt immediately. Throughout our interaction, the representatives were extremely verbally abusive. They told me I was cheating the credit union and said multiple times that I was irresponsible, even though I had willingly set up a payment plan as soon as I became aware of the debt and then made sure there was enough money in the payment account for my monthly payments. I informed them that I am not able to pay the total amount and asked if we could work out a settlement or a new payment plan with the terms in writing this time. In response, the representative demanded my paystubs, home information, and other personal information and would not tell me why they needed it. They said it was their standard practice and they would not work with me until I gave them this information, which I did not feel comfortable doing. I know there is a garnishment order and I want to do the right thing, but I can not afford to pay the full amount ( especially after they emptied my account ), and I am not sure what else to do at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove a hard inquiry from XXXX XXXX XXXX  received on my credit report on XX/XX/2023. Ive provided supporting documentation that proves that the hard inquiry was unauthorized and a fraud attempt to obtain a line of credit under my Social Security number including a letter directly from the bank, acknowledging the fraudulent activity. Ive attached a letter from the bank also confirming that the hard inquiry was unauthorized and should be removed from all three credit bureaus. Equifax is the only bureau that refuses to remove the fraudulent hard inquiry on my credit report. I have been submitting disputes every day for this hard inquiry ever since it was reported on XX/XX/2023, but the results from my dispute is closed within hours, which leads me to believe no actual investigation was done regarding the fraudulent inquiry. I immediately initiated a fraud alert, and a credit freeze at all three credit bureaus due to this fraudulent attempt with my social security number and Equifax needs to remove this fraudulent hard inquiry from XXXX XXXXXXXX XXXX dated XX/XX/2023 from my credit report.
Product: Student loan

I am a XXXX XXXX working to repay my XXXX school loans via the Public Service Loan Forgiveness program. My DOE loan servicer, XXXX, doe n ot process my income updates each year for the REPAYE, income based repayment, timely. As a result, I am placed in forebarence each year for months, which prevents me from making a monthly payment towards my 120 payments needed. I have always filed months ahead of time, and each year it takes them 100+ days to process my request.
Also I was mislead about
which type of plan I shoudl be on. I have never missed a payment, yet I was never told that the payments for the first 18 months did not contribute towards PSLF. Those payments were 5-10x higher than my current IBR payments. I should get credit for these higher payments I already made towards my loan.
Product: Credit card

We purchased a sliding glass door from XXXX on XX/XX/2022. Door was not available until XX/XX/2022. We were not informed about the interest charge in addition to normal interest if not paid off by the end of interest free period
Product: Checking or savings account

Subject : Ongoing Issue : Missing Paycheck Due to Capital One Disruption Category : Bank account or service Description : I am filing this complaint against Capital One due to an unresolved issue with their services that began on XX/XX/scrub> 2025. Capital One experienced a disruption impacting the processing of direct deposits, electronic payments, and transfers ( ACH ). As of today, XX/XX/year>2025, my paycheck has still not been deposited into my account, despite their assurance that services would return to normal by this morning. 

Capital Ones communication acknowledged the disruption, attributing it to a technical issue with one of their service providers. However, their failure to resolve the issue within the promised timeframe has caused severe financial hardship, including : 1. Missed Payments : My paycheck has not been deposited, and I am unable to meet essential financial obligations such as rent, bills, and groceries.

2. Late Fees : Automatic payments tied to my account have resulted in overdrafts and late fees.

3. Financial and Emotional Stress : The continued delay and lack of clear resolution have left me unable to access funds for basic needs. 

Despite multiple attempts to contact Capital One customer service, I have not received a concrete resolution timeline or assurance that my funds will be available soon. 

Desired Resolution : I request the following actions from Capital One : 1. Immediate Processing of Delayed Transactions : Including my paycheck and any other pending transfers.

2. Reimbursement for Fees : All overdraft, late, or other penalties resulting from this delay.

3. Compensation : For the financial and emotional distress caused by their prolonged service disruption.

4. Investigation and Accountability : Ensure that Capital One improves their processes to prevent future This issue has left me in a financially vulnerable position, and I urge the CFPB to investigate Capital Ones handling of this matter. Customers should not have to suffer because of a failure in operational oversight.
Product: Debt collection

The debt is not mine. I have sent in multiple disputes to remove it from my profile and the company has not responded or sent any validation of this account
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a personal credit card account opened at XXXX XXXX  XXXX MISSOURI on XX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX )., These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many 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 any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

I HAVE NEW AND UPDATED INFORMATION, PLEASE SEE ATTACHED DOCUMENTS.