23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/21 I received a text message claiming to be from chase. The text contained a link and the following message CHASE : A payment attempt on your Chase account has been canceled. For more information please click here XXXX XXXX XXXXXXXX I followed the link which asked me to sign in. A few hours later I received a call from someone claiming to be a chase representative. They provided their name and employee id, said that the website has been taken down, and advised me to change my login and password as well as canceling my debit card and requesting a new one. I completed all three suggestions and patiently waited for my new card to arrive. It is now XX/XX/21 and I still had not received my card. I proceeded to call chase and ask for the status of my new card being mailed out. I was told by the representative that there was not indication that my debit card was canceled and a new one was being sent out. The representative advised that my account did show that it was accessed by a chase employees employee on XX/XX/21 but it was a completely different rep mentioned in my account that I had never spoken to or heard of. My account and debit card was left unsecured as I was under the impression that my card had been canceled and a new one was mailed out. This is completely negligent and careless on chases behalf and I am now left with the worry of my information being released into the wrong hands. This is also not the first time that Ive had issues with fraudulent activity that was not done on my part but could not be explained by chase. This not only affects my current financial situation but any future financial situation that is to come. My information was exposed due to the negligence of chase employees and chase has done little to nothing to secure their customers personal information.
Product: Credit reporting or other personal consumer reports

Dear CFPB I am writing to dispute several inaccuracies on my credit report from Experian that are adversely affecting my creditworthiness. These errors are causing significant hardship and are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681c-2.

Account Details : XXXX. **BANK XXXX XXXX XXXX Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Charge Off - Balance : {$150.00} - Credit Limit : {$300.00} - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Secured Credit Card - Responsibility : Individual - Remarks : Charged Off Account, Account Closed By XXXX XXXX - Payment History : Multiple inaccuracies in reporting payment statuses and dates. 

XXXX. *XXXX XXXX XXXX* - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Closed ( Repossession ) - Balance : {$13000.00} - Original Balance : {$24000.00} - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Auto Loan - Responsibility : Joint - Remarks : Repossession, Significant discrepancies in payment history. 

XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Charge Off - Balance : {$0.00} - Original Balance : {$16000.00} - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Auto Loan - Responsibility : Joint - Remarks : Account Paid For Less Than Full Balance XXXX. XXXX XXXX XXXX ( XXXX BANK XXXX - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Open ( Collection Account ) - Balance : {$820.00} - Original Creditor : XXXX BANK XXXX Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Maker - Responsibility : Signer - Remarks : Account Previously In Dispute - Now Resolved By Data Furnisher XXXX. **XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Open ( Collection Account ) - Balance : {$670.00} - Original Creditor : XXXX  - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Collection - Responsibility : Individual XXXX. XXXX XXXX  XXXX ( XXXX XXXX ) - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Open ( Collection Account ) - Balance : {$430.00} - Original Creditor : XXXX XXXX - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Collection - Responsibility : Individual XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Account Number : XXXX - Date Reported : XX/XX/XXXX - Account Status : Open ( Collection Account ) - Balance : {$1200.00} - Original Creditor : XXXX XXXX XXXX - Open Date : XX/XX/XXXX - Last Activity : XX/XX/XXXX - Type : Collection - Responsibility : Individual Furthermore, Experian has inaccurately reported my address and failed to correct an open credit card account linked to my current address. These errors are serious and demand immediate correction under the FCRA. 

Enclosed are copies of relevant documents supporting my claim. Please investigate these matters and correct the inaccurate information on my credit report promptly. 

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

We requested in writing for the XXXX on XX/XX/24 because I'm currently on a XXXX in the state of Louisiana. The Louisiana XXXX ( Louisiana Statute Section 29:312 ) PHH Mortgage replied back on XXXX/XXXX/24 stating our account is not eligible for protection under the XXXX.
Product: Mortgage

Greetings, I writing to you due to the harassment of Quicken Loans. I made a complaint to the XXXX XXXX XXXX for an issue I had with them in XX/XX/XXXX. I guess since nothing is being done about that situation. They are finding ways to taunt me about that situation. They put an envelope with closing documents on my doorstep 2 weeks ago and I don't understand why. The papers didn't have any changes to it. However, I looked on the website and pulled up my billed and saw that my mortgage will be going up next month to XXXX. They say due to my taxes, which I am exempt from paying taxes. Since I am a XXXX  % XXXX Veteran. And Quicken loan knows this, they have a VA property Exempt paper in their file. I been living at this address since XX/XX/XXXX and never paid property taxes. I went to the tax office they said, Quicken Loan was sent a tax statement when I was sent one this year. She also stated since I been already exempt from paying taxes I do not have to be exempt again. I am not going to play these games with them. I just Buried my aunt Saturday and my mom fiance two weeks ago. Life is too short. I have MY paperwork and some emails sent from XXXX XXXX I am sending along with this text. However, I will not be paying higher a mortgage next month. However, I will be a XXXX veteran because I can't afford a higher mortgage. But I will also send this information to the State Attorney General Office and to Consumer Affairs. Because I have a toddler and a teenager I have to try and shelter them. I did try to refinance with another company but I found out I have to wait a year due to the modifications agreement. Something quicken Loans didn't tell me about, I feel this company is based on one big lie.
Product: Debt collection

For some time now, Midland Funding , LLC has been reporting XXXX accounts to the various consumer credit reporting agencies as past-due or in collection. The XXXX account shows XXXX XXXX as the original creditor, account number XXXX ( partial ) and the other shows XXXX XXXX XXXX ( account XXXX ). 

I have sent several dispute letters to Midland Funding at the address they report on their XXXX and XXXX tradelines, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I have not received any response to my inquiries or disputes. I believe I now know why -- apparently the address they list for themselves in their reports to the credit bureaus is n't even their real address. I recently received my last piece of correspondence stamped " RETURN TO SENDER -- UNDELIVERABLE AS ADDRESSED. '' As of XXXX XXXX, 2016, Midland still shows ( I checked ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX as their address on both their XXXX and XXXX reporting. 

While I 'm not an expert on consumer-protection law, I do know that debt collectors like Midland are required to report and communicate only accurate information, and I would think this includes things like their own address. Further, I think this buttresses my point that if Midland ca n't so much as report their own address correctly to the credit bureaus, the data about individual accounts and debts is likely to be wrong as well. In my particular case, the amount showing as supposedly owed to XXXX XXXX is more than double what the original creditor had showed. I also have no clue what the XXXX XXXX XXXX debt relates to. 

I would like for any response to be in writing only, so there will be record of it.
Product: Money transfer, virtual currency, or money service

Starting XXXX first through the third of 2025 is when most of the activity happened. The majority of the incidents happened Sunday the second between XXXX XXXX and XXXX. I was trading cryptocurrency with my cell phone on the Coinbase retail app. I had been experimenting with using the price difference between coins to try and create sort of a hedge fund to buffer against fluctuations in the volatile crypto market as it rises. I was having limited success, then the market started crashing rapidly. In an effort to save my money I tried the hedge fund technique to catch prices going down. It worked to the point of causing a cascading, runaway effect that was easy to maintain. I could have harvested hundreds of millions, but I stopped after tens of millions because it occurred to me that Coinbase would try not to pay me such astronomical sums. They did worse. Right in front of my eyes the numbers morphed in to multiples that converted a roughly XXXX XXXX into XXXX dollar of XXXX Obviously alarmed, I called customer service only to be told the data was correct and there is nothing they could do to investigate. In subsequent calls I got them to say they are investigating, but they keep encouraging me to unlock my account and start trading with a completely compromised account, thus proving they arent doing a serious investigation and want me to accept the fraudulent conversions.
Product: Mortgage

I paid 3 payment in XX/XX/XXXX totaling {$2400.00} which paid for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This bank reported to the credit agency ( XXXX, XXXX XXXX ) that I paid 1 payment of {$820.00} for XX/XX/XXXX I will be consultanting my attorney regarding how this bank reports inaccurate payment information on my credit reports. 

How to fix my 1st concern : I want SNB to contact the credit reporting agency the actually amount I paid in XX/XX/XXXX, which was {$2400.00}. NOT THE LIE OF {$820.00} which isn't the TRUTH! 

My second issue, this bank unapplied my XX/XX/XXXX payment and throw it into a suspense account. This bank never called me or sent me a letter. By them un-applying my XX/XX/XXXX payment it's currently showing that my XX/XX/XXXX is due, even though it sitting in the suspense account .Does this make any sense? No! So, know what am I suppose to do baby sit this bank and remind them tore-apply my money. I have better thinks to do. If they didn't want my XX/XX/XXXX payment, they should have cut me a check and returned it back. Instead of having my account show that my XXXX XXXX payment is due, when it is not. 

How to fix : I want my XX/XX/XXXX payment taken out of suspense account and re-applied back to my account or cut me a check and return the money. 

I will be consulting an attorney about this situation and you not reporting correct payment amount for the month your reporting to credit agency, applying and un-applying my funds without notification to me ; which allows payment to reflect as outstanding, when you have the money sitting in suspense account and ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. Which is a collection company for Capital One Bank USA N.A. opened on XX/XX/2020 for the amount {$420.00} has reported on my credit report and I have disputed it with XXXX and XXXX. It is saying meets FCRA requirements. However I have no knowledge of this account at all whatsoever. I've asked them to please remove it and it will not be removed. This is fraudulent on my behalf.
Product: Mortgage

My mortgage is with PHH Mortgage I received a call from the mortgage company the week of XX/XX/2020 stating my modification was approved and I would receive the modification trial payments in the mail. I have not received the modification trial period in the mail and there is a property foreclosure sale date set for XX/XX/2020. 
I have not received a foreclosure notice for this sale date. The Tennessee law says I am suppose to receive a 30 day notice before the foreclosure was set of which I have not received a foreclosure letter..
Product: Credit reporting, credit repair services, or other personal consumer reports

I had spoked to TransUnion on XX/XX/2021 and XXXX that XXXX XXXX  supervisor gone say that they aint got to to be listen to know FCRA or know body else. XXXX was a XXXX XXXX  talking about dont know laws run his company do what they want and they don't listen 2 nobody. I am like you messin my life up reporting this wrong stuff on my report he like thats you problem I asked him why dey dident accept my Identity Theft report he said cause dey can wait 30 days not no 3-5days and people cant be telling them how the Law work.
Product: Credit reporting or other personal consumer reports

Equifax- is reporting a Bankruptcy on my credit report and they have put in the Data furnisher as being the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA XXXX Which is false. I have attached a letter from the XXXX BANKRUPTCY XXXX XXXX XXXX OF GEORGIA. 
Verifying and stating that they do not furnish information over to the credit bereaus or any credit monitoring service nor do they verify or validate any information concerning bankruptcies. 
Equifax is falsely stating this information on my credit report and have yet to remove it from my credit report. 
I contacted the court, and their response is enclosed. ( See attached letter ). 
I contacted the data furnisher XXXX and their response is enclosed. 
( See attached letter ). 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency delete the Bankruptcy and the potential negative accounts associated with the bankruptcy identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. 
I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( private email address ). 

It is clear they do not report to any Credit Bureau for that matter ; therefore, their initial response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediate Your prompt attention to this matter is requested in order to comply with federal law.
Product: Vehicle loan or lease

I purchased new XXXX in XX/XX/XXXX had a car for ten days and got totaled. It was hit and run not even my fault. I made two payments one in XXXX and second one in XXXX because Toyota didn't want to release any information to my insurance because car was under my name. Finally in XXXX check was sent to Toyota Finance and car was payed in full. In month of XXXX I ever received a phone call from them if I am ready to get in a new XXXX. In middle of XXXX I received Billing Statement from Toyota Finance which I am attaching as a evidence. In this statement they are stating how I owe {$550.00}. So from XXXX until XXXX it took them four month to realize there was a difference between check they received from my insurance and there documents. They already release the vehicle and title so if there was a difference in a pay off amount why did it took them four month and why did they release title if vehicle wasn't paid in full? Also look at the dates please statement date on the billing statement is XX/XX/XXXX and due date is XX/XX/XXXX. Toyota Finance already put me on collections on XXXX of XXXX. I recently checked my credit because I am looking of buying my first house and seen what they did to my credit. Toyota finance should be prosecuted for this. 
Thank you XXXX
Product: Checking or savings account

I have an account with PayPal and on XX/XX/2018 my account was unlawfully and suddenly frozen after a phone call. I called PayPal on XX/XX/XXXX to ask why are they allowing a client to open up a dispute with false information over six times after PayPal had already ruled in my favor over six times and released the dispute holds. After this phone call one minute later they unlawfully froze my PayPal account. PayPal know that I am traveling because at every port I enter I call them to inform them of the country Im entering. PayPal has left me and XXXX babies which are XXXX, XXXX, and XXXX years old in an emergency situation we are on a 30 day tourist visa in a foreign country with no way to buy food to eat or get back home. The funds PayPal is holding is my only means to support my family and get back home its the only account I have with money in it. I have reached out to PayPal and they have not displayed or expressed any recompense or empathy to my circumstances. I do plan to do a press release to gain maximum attention and exposure for my situation as this has been a night mare. PayPal is causing me and kids to violate the rules in the country we are now in because we have no way out or no way to buy food. My kids are crying all day and so am I because for 8 years Ive been with PayPal and have never done anything fraudulent or wrong. I really really need help so bad because again me and my babies are stranded and I dont know much else to do but expose PayPal everywhere I can and definitely seek legal counsel If this matter is not resolved. I requested that PayPal hold only a {$1000.00} of my funds on hold instead of all my funds to credit against future disputes because my dispute winning rate with PayPal is over 98 % and this year alone it was at its lowest. Please help me with this I am desperate to feed my babies and not violate my 30 day tourist visa.
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb.

This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in the months that I was late to be removed. 

They are not in compliance with the following law. 

15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct reasonable investigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where Experian neither corrected nor removed disputed items despite the evidence I provided as a consumer causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian actions violates federal law and my rights as an consumer
Product: Checking or savings account

I received four emails on XX/XX/XXXX about a Wells Fargo deposit account application and the next steps, being approved, and given an access code. I receive a lot of scam emails and believed this was just another one. On XX/XX/XXXX I received an email from Wells Fargo saying they were going to close the account due to suspicion of fraud. I then called customer service and thats when it was confirmed that an account had been open. I did not open this account and Ive never banked with Wells Fargo. The customer service woman and man I spoke with was very helpful and apologetic. I was not given any information on account activity, however they did reassure me that they were taking the necessary steps to close the account and make their report.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments

were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports