23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern at CFPB, I need your assistance my home is in the process of possible foreclosure due to nonpayment according to Carrington Mortgage company this is false. I have all bank statements of cleared payments every month with the exception of one or two payments due to XXXX XXXX and unemployment. I have paid every month with diligence. I have always paid through my current bank for convenience. I have noticed my payments were not getting cleared after submission they take a week each time. and each time placed late fees. I tried their website for fast payments it does not facilitate access it is stating there is something wrong with the account number. As of XX/XX/XXXX, they have stated I have not submitted payments or back pay owing the amount of {$10000.00} which are false statements. In my 20 years of being a homeowner, I have not had to deal with such poor management of consumer finances. A, XXXX XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX has contacted me by mail in XX/XX/XXXX, attorney representatives of Carrington Mortgage, to address the missed payments. At their convenience, all of my payments have been fraudulently placed as late or missed. I have ALL of my bank statements stating this is false. I have called the attorneys for Carrington and submitted all statements and disputes. For the Month of XX/XX/XXXX, I submitted my payment as usual, and 2 weeks later it was refunded. Why? So, I sent another payment ( by mail and original check ) on XX/XX/XXXX obviously late, it is XX/XX/XXXX and has not cleared through my bank account. Where is my money?? If there is anything possible to correct this I am more than appreciative. This company is horrible and needs to be eliminated from the Lender 's list they are not here to help anyone. 
Best regards, Concerned Mortgage payor
Product: Credit reporting or other personal consumer reports

" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 168IC ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Prepaid card

I made a purchase with my Cashapp card, from a person, the person never sent tracking information & then blocked me. I also never got the product. I disputed the transaction with Cashapp, however, there are no phone agents to speak to so I can only dispute the transaction & request information in the app & they keep saying reached out to 3rd party & they didnt respond. So Im assuming that just means I just dont get my money back. I have no idea because I cant speak to anyone.
Product: Debt collection

Monterey Financial is a 3rd party who works with XXXX XXXX XXXX who are a fraudulent company. 

The following is what happen : XXXX XXXX XXXX  in XXXX duped and defrauded me. Monterey Financial works with XXXX XXXX  and they took my money. Initially took {$500.00} deposit from my XXXX  XXXX XXXX credit card. 

Services were false, NEVER got services, web login or password. I canceled immediately. 

On XX/XX/2019 I was duped by XXXX XXXX XXXX  in the streets in XXXX while on vacation. They said " just show your id and a credit card and they held it until manipulative lying presentation was over. I did not approve this {$500.00} credit card charge. 

Furthermore I immediatly canceled after I saw on the internet how they defrauded many consumers. I went in person and canceled with XXXX the manager on XX/XX/2019. XXXX SAID NO PROBLEM. 

Here is my email on XX/XX/2019. 

I was duped into signing a contract by Monterey Finantial. They shook {$500.00} from my credit card without my knowing I was signing a credit card approval. 

rom : XXXX XXXX XXXX Date : Tue, XX/XX/2019, XXXX XXXX   Subject : Questions - product website right now not transparent To : XXXX XXXX Hi, I'm XXXX XXXX and XXXX XXXX XXXX 

This morning we subscribed to your services, however, we see now your product website is NOT Transparent to us to be able to compare prices for upcoming travels that we have. Besides we see SOLD OUT on variety of travel places on your website -- this is not positive and good for us. Waiting 2-3 days is not fair because if we're not satisfied I want my deposit back and void subscription. 

What is " VIP RESORT WEEKS '' really mean? Are we getting 8 weeks per year at {$190.00} each? 

Please get back to me tonight or tomorrow the latest via this email or cell XXXX. 

This is second email. 

Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A amazon credit card was opened using my name on XX/XX/2021. With a balance of {$400.00} nothing had been charged to the card yet. Amazon has helped me close out the card and report the card opening as fraudulent. Amazon had also told me to contact the FTC to report the fraudulent activity.
Product: Checking or savings account

On XX/XX/2019 -- 4 unauthorized transactions were posted to my debit card account totaling XXXX These transactions took place without card present.

one Transaction {$300.00} for a XXXX XXXX payment, I advised TD Bank I dont have XXXX as a service and from My account I never had a charge for XXXX EVER! I advised TD Bank the payment must have posted to some persons number why cant they check?? 
a charge from XXXX {$260.00}, I called XXXX but other than tell me it was for a service the name of the person is available but they could not give me.. {$500.00} for a XXXX cash transfer. It was sent to some name I am not familiar with nor had I ever used XXXX. lastly a charge for Lyft for {$28.00}, XXXX being a taxi service it seems strange as I have no spouse or Children and as my statement can Identify I happened to be in XXXX the very same day all these charges were done and had my card since I withdrew {$440.00} from ATM in XXXX ... Also between XXXX there were several electronic transfers for XXXX  I also disputed and was credited by TD Bank.. 
I have now submitted the claim 3 times and 3 times denied and each time i am told decision is final there is no one to further discuss with but if I want they will re-submit claim..?? makes no sense.. Additionally they advised that since there was no aggressive charges ( in who's eyes )?? So why did they quickly approve the Several XXXX XXXX   charges in 2 days, I mean 6 charges in 2 days when I rarely use XXXX XXXX?? and then I found out that all the way into XXXX even the card being closed there wer attempts everyday to make charges.. If that not aggressive I cant explain what would be..
Product: Debt collection

This company XXXX was advised the item was discharged in a Bankruptcy but refuses to remove item from collection. Original creditor was First Virginia and then sold to XXXX XXXX, after they were both informed of bankruptcy discharge with case information, they continues to sell debt for collection and harass me with countless calls and letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I, have sent a notice of dispute on the validity of alleged debt to Equifax. During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. My current credit report is proof that Equifax is still presently reporting incorrect information during this dispute process. This is a direct violation of 15 U.S.Code 1692g ( b ).
Product: Debt collection

I received a notice from Aldridge Pite Haan ( APH ) in regards to a past due debt owed to XXXX XXXX on XX/XX/XXXX. 

To my knowledge, I have no contractual obligations or have never had a business relationship with XXXX XXXX. My wife, XXXX XXXX, called APH on XX/XX/XXXX immediately upon receipt of this letter, she was advised that I was being sued for this debt and had the opportunity to resolve it, per Mr. XXXX. Not understanding who APH and XXXX is and why they would be suing me, she asked them to provide validation of this debt. 
Shortly thereafter, I received the documentation showing I owe a balance to XXXX who purchased a charged off debt from XXXX XXXX on XX/XX/XXXX. While I am familiar an outstanding debt to XXXX XXXX, the documentation attached is an incomplete/invalid validation of debt. For the following reason, this account remains in dispute. 

When XXXX XXXX charged off this debt, they sent me a XXXX - debt cancellation form and reported to the 3 credit bureaus that this was charged off. Therefore, XXXX XXXX  is no longer pursuing this item for collection. 

XXXX XXXX did not send any documentation indicating they acquired this debt. Furthermore, the first notification in regards to this debt being owed to XXXX was from their servicer, APH who is now threatening litigation on the past due balance. 

The last payment made on this account was on XX/XX/XXXX. The exhibit indicates the debt was sold on XX/XX/XXXX, which is prior to charge off. My account with XXXX was still active at the time the exhibit indicates the debt was sold to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts that are showing up on my credit report and they do not belong to me I have started my dispute process back in XX/XX/2020 and nothing has yet been done for this I have also filed a FTC for these two accounts and send them in to the bureaus and again nothing is being done about this please help me out. 

Citicards - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account belongs to someone else and it's reporting on my credit report. This account never belonged to me and I want it removed off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate names and addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact 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
Product: Prepaid card

There is {$54.00} government refund from my 2022 tax return that I've been unable to access. I have tried purchasing something from numerous department stores, supermarkets, including XXXX, XXXX etc.. I have been trying to get my funds for the past two years. This is my third replacement card. I believe that Serve is a bogus company. I did a search on AI and noticed that many others are experiencing the same problem. They say that serve is owned by American Express, but I beg to differ. I have a few Amex cards that are nothing like Serve. There is something really wrong here.
Product: Checking or savings account

My bank money lion/roar money banking is my current bank Im using. I had both my state and federal return direct deposited into my account. My state went through just fine but when my federal that was about XXXX deposited they locked my entire account. I called the customer service to see what I could do and they said I needed to get a notarized statement from the irs along with a copy of the irss state issued id card saying that was the correct amount. After calling the irs they said it was impossible they dont do that and that the deposit is coded so the bank shouldnt have had a problem with it. I returned to calling my bank and then just repeating there was a specialized team handling it that they refused to let me speak to. I asked to just have them refuse the deposit and close my account and they said they couldnt do that even though in their contract that I signed when opening the account stated I could at any time for any reason. This bank is refusing to resolve the problem and holding on to all my money not just the suspicious deposit for an unknown amount of time. I would please like help with this situation and honestly would like to suggest this bank establishment be investigated as a whole. I have video evidence of the way they were talking to me and refusing to help
Product: Credit card or prepaid card

When I took advantage of a zero percent balance transfer on XX/XX/2019 for my Chase Freedom Visa it was never disclosed that I would be forfeiting the grace period on prior and current purchases. It was only indicated that I would be charged a 4 % fee. Chase 's deliberate omission of grace period forfeiture was not indicated and as a result I am being charged interest on the purchases. Card holders are being deceived into believing that the they would only be charged the 4 % fee. Chase is intentional omitting disclosure of grace period forfeiture to their benefit by collecting the higher rate of interest. Please note that in XX/XX/XXXX and XX/XX/XXXX the payment was greater than the purchases charged for the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello,I called an employer and was told they use XXXX. I called XXXX  and had them walk me through on how to open an account. I noticed that they were a company that did verifications of employment in bulks. I advised the lady on the phone that I only needed one and she recommended their sister company Backgroundchecks.com BIG MISTAKE. I called Backgroundchecks.com and had them walk me through on how to create an account just like XXXX. Lady was really nice, walked me through and I noticed it cost a fee to create the account. I checked with my manager and she advised it would be okay so I proceeded. I ordered the VOE on XX/XX/XXXX. On XX/XX/XXXX, I sent the the borrowers authorization due to uploading the correct one, and it wanted me to create a whole new order rather than editing the one I had, so i reached out to XXXX and provided the corrected borrowers auth and advised I uploaded the wrong one. on XX/XX/XXXX I called BGC to confirm they received the borrowers auth I sent and the lady I spoke to advised they hadn't and to resend. On XX/XX/XXXX- I again sent the borrowers auth to a different email address that was provided to me (XXXX) XX/XX/XXXX- I receive an email asking for the borrowers authorization AGAIN. AGAIN I send it and call to confirm they received, I spoke to a woman who advised they did receive it and that they were going to pass it along to the verify-er On XX/XX/XXXX- I was advised that they sent it to the verify-er. XX/XX/XXXX- I fianlly called XXXX XXXX (the employment I was trying to verfy) and BEGGED them to put me on the phone with someone who could complete the verification of employment for me and that I ad been put through the ringer with BGC and that it had been a couple weeks and I needed this ASAP. They ended up completing it for me. TODAY my manager comes to me with two invoices from BGC, so I went to go to their website to see why we were charged TWO ADDITIONAL MORE TIMES and I was locked out of my account: "Either your current password has expired, or you have been assigned a temporary password. Please change your password to proceed." SO I called BGC and advised that I was locked out and that they had charged me twice and I wanted a refund, they advised that BGC do not provide refunds. Funny, they are quick to take your money and NOT TELL YOU, but cannot provide a refund. If you look at all the complaints, I do not understand how they are still in business but that is beside the point. This company needs to get shut down and stop scamming people for thir hard earned money. So now we were charged $XXXX for a VOE that was never completed or given to me and that I had to manually obtain myself.
Product: Credit card or prepaid card

I applied for the Citi XXXX XXXX XXXX Credit Card on XX/XX/2022. I received a denial of credit letter from Citi stating why I was denied. As stated in the letter dated XX/XX/2022, their decision was based on information they received from a customer reporting agency. 

It is my comprehension of Regulation Z and Title 15 USC Sub-chapter 41 I thru VI, more specifically, Title 15 USC 1691a that any application that is denied for any reason is discrimination. I filled out the application in good faith as an applicant and an extender of credit.

I also comprehend this extension of credit in the form of a card which would be used primarily for consumer credit transactions for personal, family, and household purposes. It is also stated in 12 CFR 411 that all debt including all taxes, customs and pulbic debt is the obligation of the United States. 


Accordingly, 12 USC 1026.2 ( 15 ) ( i ) states any card is a credit card. During the process of filling out the application, I provided my Social Security number from my Social Security Card. If I provided this number, why was I denied? When I provide other card numbers, debt gets paid. Using this logic, I must have prepaid for this credit card when I provided my Social Security number. So, why was I denied?

I believe this information to be true and factual to the best of my knowledge and belief, however, and most importantly, because Congress says so.
Product: Credit card or prepaid card

I bought used chiropractic equipment from an office overseas, that I was previously employed by. 
Seller required ( per our PnS ) full payment wired ahead in order for me to take possession of the equipment, which was done on or about XX/XX/XXXX. 
While on location - On XX/XX/XXXX or XX/XX/XXXX the Seller persuaded me to buy the business and keep it running. I agreed, and gave credit card authorization for {$8100.00} to handle extraneous " service charges '' required by the landlord. 
The following day, ( XX/XX/XXXX ) I cancelled the purchase of the business. I sent my reasons why and requested refund. I also Called CITI and was Assured since I received no product or service I had nothing to be concerned about. I received no cleaning service or product for that {$8100.00}. 
The seller, found another business to fill his office vacancy. 
I have a PnS agreement ( attached ) for the equipment, In section 5 under DELIVERY- it clearly states that the " buyer ( me ) is responsible for moving and transporting the equipment and all related charges. 
I have no such paper work for the {$8100.00} and the seller claims ( after the fact ) that the money was used in some fashion for packing and shipping the equipment, Which is simply not true - I have receipts showing separate payment for those services by others. The seller has no right to this money. And although CITI Bank was in agreement initially, they now claim that the case is closed. 
Very frustrating they'd align with the seller.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, my violate the Consumer Financial Protection Act. Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, they dispute Resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic funds transfer act.