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

For a couple of years now I have been trying to resolve a missing payment for a balance reduction from my XXXX card to my Amex card. The Amex card is now closed however I have obtained a copy of the cancelled check and dispute letter from XXXX. I also recently re submitted a complaint directly through Amex without any result. 

Because my credit card is now paid off and closed I can not access the old credit card number it was under. 

I believe the initial issue may have been that I mis typed the credit card number for my account. My own account number was never credited even though amex cleared the funds. 

When I contact amex they say they have no record of my payment of {$3000.00} even though I have a cancelled check indicating otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to have 10 different hard inquiries removed that are not affiliated with any open accounts on my transunion report due to fraud that are currently stopping my credit worthiness to be better then it is Ive reached out to transunion a few times and hasnt had any success with response or removal
Product: Debt collection

XXXXXXXX XXXX  and Lowes have violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I had a medical procedure at XXXX XXXX XXXX XXXX on XX/XX/2021. 

Before the XXXX I made a payment of XXXX ( page XXXX of the first pdf file ) for the expected coinsurance. 

After the claim was processed, my coinsurance turned out to be XXXX ( page XXXX of the first pdf file ) The hospital sent me a bill for the remainder of the balance of XXXX ( page XXXX of the first pdf file ), which I paid on XX/XX/2021 ( page XXXX of the first pdf file ) Later there were adjustments made to the claim and the final coinsurance due from me was reduced from XXXX to XXXX. ( page XXXX of the first pdf file ). 

However, XXXX XXXX XXXX XXXX instead of refunding the overpaid amount, send me another bill for XXXX. I sent them a detailed explanation which they ignored and sent XXXX to XXXX collection agencies. 

In the second pdf file there is a transcript of my correspondence with the health insurer ( XXXX XXXX ) who confirmed that the amount that I owe for this procedure is XXXX and since I already paid XXXX, the hospital owes me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Mortgage

Last year my husband and I bought a house. The loan was done through XXXX. When did applied for the FHA loan we were told by the loan officer XXXX XXXX, that we qualified for a Mortgage Credit Certificate based on being a first time home buyer, credit income and income requirements. A year later as we are doing our taxes we realized we never received the MCC certificate. Later after investigation we find out the loan officer never processed the MCC application with the loan. Therefore, now every year we file we can not claim that tax credit which is 20 % of your annual mortgage interest will be a direct federal tax credit, resulting in a dollar-for-dollar reduction of your annual federal income tax liability.
Product: Payday loan, title loan, personal loan, or advance loan

I have taken several temporary loans from Makwa finance  during an emergency. They charge interest daily until the loan is paid off. The last loan in XXXX  was paid normally until I went to sign in one day and NOTHING worked. I called them and explained that my sign in did not work they told me they had just completed a website makeover. I also noticed that the website was different. I tried everything and could not sign in. I was told that they would work on the problem and get back with me. Well when I called a week later they had added daily interest. Althoughi had made payments to almost pay it off with the interest the amount stayed stagnant. I told them I should not be penalized for their new website and my sign in issues. I wont pay a higher interest when I attempted to pay off the loan and COULD not sign in. The loan increased so high I couldnt pay it and they reported to the credit bureaus damaging my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit card or prepaid card

To Whom It May Concern, I am a long time Union Bank customer for my personal banking and home mortgage. Responding to a promotion for a Union Bank credit card I applied and was given a card in XXXX that I used for 3 years. I paid that card off on XX/XX/XXXX but ended up with a XXXX XXXX of {$4200.00} because of a cancelled vacation. I requested the balance be deposited into my bank account on XX/XX/XXXX. I was told they only issues checks for over payments unlike every other credit card company I have ever used ( XXXX XXXX, XXXX, XXXX, XXXX ). A check was apparently sent on XX/XX/XXXX. I called on XX/XX/XXXX because I had not received the check after the allocated XXXX business days. I was told to wait. I called again on XX/XX/XXXX and was told they would send a " ticket '' to have an expedited check rushed and it would arrive in XXXX business days. I called on XX/XX/XXXX because I still had not received a check and spoke to a supervisor who said he couldn't do anything more than what the prior rep had done and send a ticket requesting a new check. He said they don't send anything rush. I still have not received a check. I called today and the rep said a check was sent on XX/XX/XXXX and should arrive in XXXX business days. That would be over a week from my talking with the supervisor and two weeks after I spoke to the rep who said they would rush a new check to me. Not to mention 7 weeks since I first requested the check. 
It is fraudulent for a bank to not return money due to me. There is no tracking, no direct deposit and no service to rush the payment. My impression is that Union Bank is holding on to my money for their own profit and disregarding my request to return it. This is theft. 
Thank you.
Product: Payday loan, title loan, or personal loan

I NEVER GOT the money. i cancelled it in XXXX XXXX  and in XXXX. that XXXX XXXX office knows i did not get the money. THEY ought to be ashamed with their answer. outright stealing ( there is crooked person involved ). so i spent the time to contact the bank. here is the transactions at the bank. it was double deposited because of error with the teller at the driverthrough. 
I HAD THIS IN A NICE CHART FORM shows two dep, two returns on XXXX XXXX cust deposit ( i had told the lady that photo didnt show up yet so I gave her the check ) on XXXX XXXX my photo deposit on XXXX - XXXX " returned '' on XXXX - XXXX dep return item AS YOU can SEE I did NOT get the Cash - both returned!! 

the XXXX XXXX office knows I cancelled the transaction. i told XXXX XXXX XXXX too. I told them and wrote to them that I dont want an account. I never had access to the money. XXXX said they SENT me a check to my mailbox, which is like trhowing it in the air. because my it is on the road 1/4 mile from my house and is not monitored, and a hill between, although putting a camera in ) I never received the money!! 

they ruined my credit just when i was getting a new mortgage refinance so they cost me a bundle they should pay {$1000.00} for their KNOWING fraud, THEY never should have sent me a check XXXX XXXX. if that is what they did. I told them they need to see if whatever check they sent XXXX XXXX was Cashed! they didnt even look. THEYMUST REVERSE their MASSIVE interest as I never got the money!!
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 mu 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 action have caused singnigicant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Last reported XX/XX/2023 {$320.00} Open balance XXXX XXXX Original creditor CAINE & WEINER XXXX XXXX XXXX XXXX XXXX {$250.00} Open balance XXXX XXXX Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Payday loan

I submitted multiple payments to SpeedyCash for a payday loan. They still reported to my credit bureau an outstanding balance.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following information : XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX XXXX open XXXX XXXX, XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX opened XXXX XXXX
Product: Debt collection

-They have called multiple times a day since XXXX. 
- They never sent me an initial letter. 
- They never had permission to call me as I revoked permission to call me with XXXX XXXX before I ever owed them money. ( which I dont owe them money ). And I revoked the arbitration clause as well ( which is unrelated to this ) -I had told XXXX XXXX my mailing address which was not the address on my license so they should have had it. 
- They call before XXXX frequently. 
- They won't tell me when they initially supposedly mailed the first letter. 
- I was dealing with alot of XXXX, baby being sick, being XXXX, XXXX XXXX, having my XXXX and baby taken out and these people were still calling. 
- I even went on a vacation and they were still calling. 
-Before I even asked them why they were calling me in XXXX I noticed there number was calling me. I had someone look up the number and give me their name and address. I mailed a letter to them asking to not call me anymore in XX/XX/2018. Nothing stopped. 
- I finally started calling them back and researching their website and sent a few emails. 
- There phone calls have really annoyed me and my family. 
- They hace disturbed me and my family waking us up out of our sleep. 
- I am tired of them. 
-They have called so much. To much.
Product: Credit reporting or other personal consumer reports

I paid this account in full with collections company, and they refuse to take it off my credit report
Product: Credit card

credit card company trusted me enough allow my account to go over limit then they turned around and increased my Bill by XXXX fold without notice.
Product: Student loan

I was under the impression that due to the COVID relief act that student loan repayment was on hold until XX/XX/2021. My servicer has been trying to collect and also charging me late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX credit Card. I have a credit card showing on my bureau that is not only not mine but one I've not received or applied for and it just appeared with a balance of {$930.00} all past due. When I told them they said it would be verified and removed of which they won't do. They say they will correct this and just never reply. Ive attempted to dispute 2 times by calling them and also XXXX dispute online with Equifax.. All they do is update the date and never provide me or the bureau how or why the appears. By just updating a date it seems the bureau thinks its fixed. they are playing games with my credit report. Please help. XXXX XXXX
Product: Debt collection

Collections account ( Midland Funding ) appears on my credit report for an account showing opened in XX/XX/2016 ; an account I didn't open. Disputed with Experian, only response back from Midland is " Meets Requirement '' with no information provided. I believe this to be a fraudulent attempt to collect money.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURACIES ON MY CONSUMER REPORT. 
XXXX ACCT # XXXX Balance XXXX $ status open, last payment ( XX/XX/XXXX ) open date ( XX/XX/XXXX ), last reported ( XX/XX/XXXX ), ( XXXX ). 

XXXX XXXX XXXX XXXXXXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ) ( XXXX ). 

XXXX ACCT # XXXX BALANCE XXXX $ STATUS OPEN ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ), OPEN DATE ( XX/XX/XXXX ), ( INACCURATE ) LAST PAYMENT ( XX/XX/XXXX ). ( EQUIFAX ).
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately. 

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to XXXX party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Debt collection

I get frequent calls from different states form different numbers harassing me. Annoying me
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

Nothing was found when I called the number the chat service provided. Ive been a long time customer with them and was a victim of the double or triple overdraft fees that BOFA was court ordered to pay back to its customers.
Product: Student loan

I contacted MOHELA to find out why they have unilaterally refused to remove me from the XXXX plan and place my loans on the XXXX XXXX XXXX. The customer service representative refused to direct me to where it states that I must apply to be placed on the XXXX XXXX XXXX. The representative, named XXXX, repeatedly interrupted me and hung up on me when I demanded he stop interrupting me and provide me an opportunity to complete my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded in my XXXX XXXX  for a XXXX on XX/XX/XXXX. The payoff was done late by the dealership causing a negative mark on my credit and over XXXX points being removed. XXXX corrected the problem partially. I should have my XXXX added back plus points for the payoff. In addition the account should be shown in a positive not negative way like it is. Account was paid in full due to a trade in.
Product: Money transfer, virtual currency, or money service

On Saturday, XX/XX/XXXX, I sent {$1500.00} to the XXXX XXXX via MoneyGram ( Reference No. XXXX ) for home delivery on the same day. However, the money was not delivered. On XX/XX/XXXX, I contacted MoneyGram and spoke to a representative about the undelivered money. They informed me that they would open an investigation, but it could take up to 90 days to resolve. In the meantime, my parents in the XXXX XXXX are in need and don't have the money to buy their medications. This situation is unacceptable, and I'm unsure about what steps to take to either get my money back or have it delivered to my parents.