23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I sent a debt validation letter to Portfolio Recovery Associates on XX/XX/2025 that consisted of a request for debt validation. It also told them to stop calling me and to put all communication in writing through the mail. I am waiting for the return signature card to come back to me in the mail, but it was picked up at the XXXX XXXX in XXXX, VA at XXXX XXXX  on XX/XX/2025 and signed for by an individual. Portfolio Recovery Associates has called my cell phone since the letter was signed for on : XX/XX/2025 at XXXX XXXX XXXX XXXX XXXX XXXX I answered the phone on XX/XX/2025 and told the person that I had sent out a debt validation letter and it was signed for days before and that it stated to not call me. He then tried to verify personal information. I told him I would not verify anything other than my name because they were told not to call me and that there was currently a debt validation dispute in process. He continued and I told him that by them calling me, it was a violation of the FDCPA and the TCPA because they currently DO NOT have consent to call me after receiving in writing to stop calling me. I told him any further phone calls would be more XXXX violations and that I was going to file a complaint with the CFPB.
Product: Checking or savings account

No help whatsoever from WELLS FARGO. XX/XX/23 to today XX/XX/23, still waiting for an authoritative individual to call me. Since a XXXX clerk tampered with my account without my authorization, heres the repercussions I am suffering : Cell phone disconnecting. 
{$400.00} fee for XXXX cancellation due to non payment. ( And not being able to have XXXX ) Not being able to purchase gasoline or food. 
This is all due to this clerk filing a claim and canceling my card 2 hours after I hung up with him. And told him very very clearly to NOT to touch my account and leave my card alone. He insisted that I purchased a golf membership on MN, and he even repeated himself after I told him I HATE GOLF AND I LIVE IN AZ. 
I have had trouble with my digital wallet in which an employee couldnt even get it to work. I was told a debit card was being rushed to me, really? When? Why cant someone call me and resolve any of the issues and new ones? Also, transactions coming through the account will encounter late fees, and cant even make any payments, but the problem exists. How do I pay for late fees for multiple transactions, all because of the control your clerk took while collecting a paycheck?!
Product: Bank account or service

I had disputed a charge on my account for {$380.00} due to faulty repair work on my Fridge. The initial charge was XXXX XXXX, 2015 and I disputed it on XXXX XXXX, 2015 and Bank of America credited it back to my account. However, the company sent them a copy of the receipt and Bank of America charged it back to my account. 

The complaint was not that it was not authorized, the complaint was they did n't repair the appliance and would not honor the guarantee. I have since bought a new fridge and want my money back to pay at least for part of the new XXXX!
Product: Credit reporting, credit repair services, 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 & block 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 block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a user of Remitly a merchant enable people to international money transfer. Today XX/XX/2020 someone hacked to my Remitly account and made a transfer of {$1600.00}. 

The fraudster also used my debit card details to make the transfer. 

It is clearly a case of fraudster getting access to peoples account and robbing them. 

There is no security feature Remitly is following to check if the transfer is happening and customer is authorizing it. 

When contacted Remitly they simply denied that they can not do anything and gave me the transaction details.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are all reporting unauthorized collection accounts on my consumer report which is hindering me from purchasing my first home for me and my children. I never gave any of these credit reporting agencies oral or written consent to report any of these collection accounts on my consumer report. I don't think its fair to me that they can just report whatever they want on my behalf without getting my permission.
Product: Mortgage

Mortgage was sold/transferred from XXXX XXXX XXXX ROUNDPOINT XX/XX/XXXX. 
First statement of XX/XX/XXXX from RP indicated a past due balance. 
Each statement after still shows a past due balance. 
Escrow is not in question as that was transferred as well. 
-There is no way to reach a live human operator on their phone number. 
-Ive emailed at least three times for help, -asked for appt phone call with Office of President , and -submitted a written Notice of Error. 

Auto generated email responses were received but have had zero live responses. 

I do not want this to appear as my fault. ROUNDPOINT mortgage is awful and has no customer services. 
Thanks,
Product: Credit card or prepaid card

I paid off balance on Capital One credit card and afterwards was charged additional interest charge. I called to verify payoff amount thru automated phone service but Unbeknown to me I needed to call and SPEAK to a live Person to get my payoff. If this was disclosed, I would have done that. 
This is not disclosed on my monthly statement and I feel this is very shady behavior.
Product: Debt collection

I have XXXX paid collections remaining on my credit report this is hurting me from getting a home loan I sent written request to all credit agencies to have them remove. They show paid but open.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an email to FIRSTBANK in order to find out why they made an unauthorized request for my credit report from XXXX according to a XXXX XXXX notification. Their response was that FIRSTBANK don't entertain complaints over email directing me to use regular mail with a set of questions. 

After a back and forth that took several months with FIRSTBANK requesting more personal information that I didnt particularly want to share with them on XX/XX/2020, Mr. XXXX XXXX from FIRSTBANK finally acknowledged their mistake and proceeded to correct the unauthorized credit inquiry, but that was only after I sent a copy of my Drivers license and Social Security card as they requested. 

On XX/XX/2020, Mr. XXXX XXXX declined my request to return the copy of my Drivers license and Social Security card allegedly because they are required to keep documentation about their clients. 

Please, ask FIRSTBANK to return the copy of my Drivers license and Social Security card that I only sent to them to validate my identity and correct a mistake of their making. Im not a client and dont feel comfortable with FIRSTBANK having a copy of my personal documents. The only thing that they have proven is that they cant protect confidential information from their own employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor, has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A Section 2, it also states, a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
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 Comsumer Financial Protection Act ( CFPA ). 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, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience an financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights I only have 1 account with XXXX and I have never been late or have I ever miss a payment I don't know about any other acctounts with XXXX the account I have with them is XXXX 15 U.S.C 1681 602 A. States I have the right to privacy. 15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 section 602 A States I have the right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX account # XXXX, Online Information 's account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX Department of Education account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX  account XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX account XXXX XXXX has XXXX my rights. 

XXXX XXXX XXXX Section XXXX A states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card or prepaid card

I applied for the SoFi credit card in XXXX of 2022 with a promotional offer of spend {$1500.00} and get XXXX points. I completed the minimum spend requirements before the month of XXXX was over and never received my bonus points. Now, when I called in to fix the issue they are telling me I also have to fund my investment account and checking account with them ( basically, describing a different offer than what I signed up with ). They told me over and over again that the algorithm would give me the points when I completed the requirements. I continued to let them know I completed the requirements and did not receive the points.
Product: Checking or savings account

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account This is the third complaint regarding this matter. Chase Bank is saying that they have attempted to reach me on several occasions, if they have, I am not aware of it, however if chase has attempted to call me with my caller id showing " unidentified number '' or if it does not identify itself when I politely ask " who is calling '' I SIMPLY HANG UP. I AM XXXX YEARS OLD, I LIVE BY MYSELF, I AM TOLD OVER AND OVER NOT TO GIVE PERSONAL INFORMATION OVER THE PHONE, THAT IT IS NOT SAFE, I FOLLOW INSTRUCTION ; I AM A LAW ABIDING CITIZEN. Chase does not identify itself, does not have a human being monitoring their customer inquiries over the telephone, I ignore them. CHASE IS NOT ABOVE THE LAW, CHASE BRANCHES ARE NOT OPEN. When by chance you get a person, this person is from the XXXX, barely speaks English, and sounds as she just got out of grade school ; do you think I will give personal information to that child?
Product: Credit reporting or other personal consumer reports

I RECEIVED MY XXXX STATEMENT FROM XXXX XXXXXXXX ON MY XXXX XXXX IT SHOWS A BALANCE OF XXXX DUE ON XX/XX/23. I CALLED AND SPOKE WITH XXXX XXXXXXXX REPRESENTATIVE AND HE STATED THE CURRENT CARD STATEMENT SENT TO THE CREDIT BUREAUS IS AT A XXXX BALANCE, I SHARED THE INFORMATION REPORTED TO BOTH TRANSUNION AND XXXX WHICH STATED A BALANCE OF {$260.00}. THAT BALANCE SHOULDNT BE REPORTED BECAUSE THAT WILL BE FOR XXXX. MY TRANSUNION SCORE DECREASED BY XXXX POINTS AND XXXX DECREASED BY XXXX POINTS
Product: Credit reporting or other personal consumer reports

I am filing complaint as I found inaccurate information REPUBLIC FINANCE account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts in collections that are reported as open accounts showing balances. This is heavily decreasing my credit score and preventing me from being able to get car loans or credit cards. The amounts are more than the original credit card balances and bills and the accounts should be closed and have {$0.00} balance on my credit report. I have attached screenshots from my XXXX XXXX, and transunion reports.
Product: Credit reporting or other personal consumer reports

Received a fraud alert notifying me of 2 hard credit inquiries I did not approve or initiate from XXXX. XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXXXXXX  and 2. JPMCB CARD Inquired on XX/XX/XXXXXXXX  On record until XX/XX/XXXX I called both XXXX XXXX XXXX, JPMCB who both told me they couldn't do anything and that I needed to contact XXXX, XXXX and XXXX separately to notify them of these fraudulent hard inquiries that I did not authorize nor approve. Each of those companies said that I needed to file a complaint with FTC if I wanted it to be investigated further so this is why I'm writing this complaint now.
Product: Credit reporting or other personal consumer reports

In the FCRA 15 USC 1681 section 602a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, XXXX, and Transunion are consumer reporting agencies, I am the consumer. It is my right to make sure my nonpublic personal information isnt share which is backed by 15 USC 6801. It 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. XXXX and XXXX XXXX XXXX XXXX are financial institutions by definition under that title. According to 15 USC 1681 section 604a section 2, In general 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 which it relates. XXXX and XXXX XXXX XXXX XXXX the financial institutions, and the consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information and definitely do not have my written consent. Any and all consent to XXXX, Transunion, XXXX, XXXX XXXX XXXX XXXX, and XXXX, whether it be verbal/nonverbal, written, or implied is revoked. According to 15 USC 6802 ( b ) ( c ) A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise the non disclosure option. XXXX and XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. These accounts are adverse items they are reporting without my consent which is unlawful. 15 USC 1681 ( s ) ( 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. According to 15 USC 1681 ( e ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, and XXXX are not maintaining reasonable procedures. 20 USC 1232 ( g ) ( b ) protects the privacy of students education records and prohibits information such as financial records from being disclosed without written consent of the consumer. 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services
Product: Credit reporting

XXXX XXXX wiped out original dates of closed and charged off dates and put the dates as recent. I have never purchased anythign from XXXX XXXX. I have sent them tow affidavits and requested and both have never been processed on their end. I have disputed this charge since XXXX. In XXXX after filing XXXX affidavits and endless phone calls I just paid the money. I was trying to get a home loan and needed to resolve this issue. After I paid XXXX times what they originally said was purchased they update my credit report as recently charged off and late paid even though this all occurred in XXXX, sent to collections in XXXX and charged off. I do not believe that changing dates to recent is correct. I have been fighting that since XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is reporting that I have {$360000.00} to Experian. I called XXXX and they confirmed I have no loans with them. My loans being serviced by XXXX. My credit report now shows double my actual student loan balance.
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 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete this account.
Product: Checking or savings account

Hello, I reviewed a current copy of my early warning report and show incomplete or Innacurate information to report. I have been working hard to have report update for good cause and have not been successful with banks.