23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

We took out a loan on XX/XX/XXXX to purchase a pivot for our farm from XXXX XXXX. They used Huntington Bank, who first took a lien on the property the pivot is on as collateral ( fine ), but also took a lien out on a neighboring property not associated with the farm for no reason. 

On XX/XX/XXXX we requested a payoff amount as of XX/XX/XXXX. They sent us an email stating {$150000.00}. We paid {$130000.00} for the pivot. Our interest rate is 7.25 % per the contract, which also breaks out the principle & interest in the annual payments starting on XX/XX/XXXX. When we inquired about the finance charges being {$14000.00} for only 12 months, they couldn't explain the calculation. Then on XX/XX/XXXX, they sent us a payoff statement stating it was {$150000.00}. We asked again for a breakdown of the calculation for the updated finance charges of {$11000.00}. They refused again. 

I called the bank and asked to speak with the person that sent the payoff quote and I was told I wasn't allowed to. The customer service agent then told me we didn't have a loan, we had a lease and we don't have principal and interest payments, just finance charges, and there's no calculation for that. 

We were presented this purchase as a loan, we were given loan terms with principal and interest, how then can we now be in a lease not to our knowledge, and why is there is a lien on properties for a lease and not just the equipment? If this is true both the company that sold the equipment and the bank misrepresented this as a loan to us, and the fact that they can't provide an explanation and a calculation of finance charges is unacceptable. We want to payoff the loan but don't feel comfortable doing so when no one can explain anything.
Product: Credit card or prepaid card

Im used to receiving emails when my payment is due. But this specific type of credit card didnt send emails. I bought a pair of socks for {$43.00} and even though I had the money to pay it off, I forgot about it and then ended up having to pay {$72.00}
Product: Credit reporting or other personal consumer reports

A fraudulent account was set up at Experian using my social security number. Because the account was established using the fraudster 's email and phone, it is impossible for me to reclaim the account ; login requires a security code, which if course will go to the fraudster 's email and phone. Multiple phone calls and emails to Experian have resulted in disconnections and no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. 
Please resolve this matter as soon as possible. Thank You
Product: Checking or savings account

Referencing Complaint ID XXXX and XXXX. I have been trying to resolve a duplicate transaction issue with Capital One Bank for more than 7 months. On XX/XX/2021 a payment of {$790.00} was erroneously made to my XXXX XXXX  account ending XXXX from someone elses account at Capital One Bank. I notified XXXX and Capital One of this and XXXX XXXX  reversed the payment. Shortly after that, a DUPLICATE REVERSAL was performed by Capital One, taking an additional {$790.00} from me. This additional transaction was NOT AUTHORIZED by me. After months of calling Capital One Bank, they directed me to talk to XXXXXXXX XXXX  Capital One stated that they would be able to fix the issue if XXXX issued a letter of indemnity. XXXXXXXX XXXX  has requested payment from Capital One twice, and Capital One REJECTED both requests. Ultimately, Capital One Bank has taken {$790.00} from my account and has made it impossible for me to get these funds back. I have called XXXXXXXX XXXX  and Capital One Bank weekly. I am extremely frustrated that this entirely fixable problem has gone unfixed. Capital One Bank 's customer service is completely unacceptable and unhelpful. I am extremely disappointed because I have a {$790.00} reversal charged to my XXXX credit card when I have already sufficiently paid my credit card balance, and Capital One Bank will not agree to work with XXXXXXXX XXXX  to resolve the situation. 

To resolve this problem, I would appreciate if Capital One Bank would work with XXXX XXXX to send the {$790.00} funds back to my account. Once this is resolved, I plan to close my Capital One Bank credit card account and terminate my relationship permanently with Capital One Bank. The unprofessionalism and incompetence that I have encountered at Capital One Bank is absolutely unacceptable, and I am appalled that this seven-month perpetuating issue has not yet been resolved.
Product: Credit card or prepaid card

An email was received from XXXX detailing an order on my account. The order was not placed by me, and the card used for payment showed to be under my name, though was not a card that was issued to me. There were multiple cards under the same premise. 
Those cards were : XXXX ending XXXX XXXX  ending XXXX XXXX ending XXXX It appears that credit cards are being issued under my name, though I am not sure if they have been issued under my SSN.
Product: Credit card or prepaid card

On XX/XX/2020, I used my Capital One credit card to purchase a trading software from a company called XXXX for {$430.00}. The software never worked! 
Capital One is responsible to help me protect my purchases when I purchase defective items as per law but they are NOT protecting my purchase at all and have left the charge on my account! I don't understand how they can do that since that is the very reason I used the card to make my purchase! I believe the law says that if you use a credit card for anything and it does not work, the customer is not at fault. 
I called Capital One but they don't care at all. 
Can someone please help me and make them follow the law? 

Thank you so much! 
XXXX XXXX XXXX ( Please see attached proofs )
Product: Debt collection

I contacted TrueAccord to request a copy of the original purchasing agreement to verify the details of a debt they claimed I owed. They couldn't provide the requested documents, which indicates the debt 's invalidity. On XX/XX/2025, a TrueAccord representative informed me that the debt had been returned to the original creditor, XXXX XXXX XXXX, and should no longer appear on my credit report. Reporting inaccurate information violates 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, another personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and lastly a personal credit account opened at XXXX XXXX. on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> As required by XXXX XXXX XXXXXXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

My lender, Wells Fargo, continues to increase the required amount of flood insurance. Under the FDPA, the minimum required is the lesser of the loan amount, the insurable value or {$250000.00}. While I fully understand the lender has the option to require more coverage, in this case, they are causing undo hardship by continually increasing the required amount of coverage and therefore the premiums. This is causing customer harm and even though my agent has discussed this with Wells Fargo at great length in the past, they refuse to review and continue to provide the standard " we are protecting you '' answer. I understand the necessity of flood insurance but my loan balance is well below the amount of insurance I carry on the home. This is my choice as an informed consumer. It should also hold true with the amount of flood coverage I choose to obtain as long as it meets regulatory requirements. 

I know this will be future to submit a complaint as I 'm sure I will get the " lenders can determine the minimum amount ''. Yes, I work in the mortgage industry but I fell Wells Fargo is being unfair and causing undo hardship by this requirement
Product: Debt collection

Get the fake bankruptcy off my credit report now! I've never been to court, and there's no judgment against me. Remove it immediately, or my attorney will file a federal case against you within 30 days no more delays! Take this seriously and fix it now! XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Filed on XX/XX/XXXX, XXXX XXXX XXXX  Please remove!!!
Product: Checking or savings account

I called credit karma months ago to dispute a fraud case. Someone took my card and made transactions that was not me. They closed my case without any detail and when I reopened they stop contacting me. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( 8 ) ( iii ), these creditors are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of-the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) ofthe FCRA- you are required to " ... promptly DELETE all information which can not be verified. " The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A repossession has been placed on my reports for a XXXX XXXX when the vehicle was in fact a voluntary return due to service issues and a XXXX XXXX risk that the company was unable to address. I requested the forms and voluntarily returned the XXXX With another vehicle ( XXXX XXXX ) at the same time because of unprofessional encounters with the management and service department and no remedy to the trade I was once offered and approved for.
Product: Credit card or prepaid card

I made an online purchase at XXXX on XX/XX/XXXX for a new oven to be installed on XX/XX/XXXX but received notice it would be delayed to XX/XX/XXXX due to back order. My Home depot Citicard charged me on day of purchase rather than day of delivery in the amount of {$1200.00} on XX/XX/XXXX and began accruing interest plus install fee for an item where delivery date is now unknown. I called CitiCard to explain that I shouldnt be charged until item is delivered and installed as paid for. I dont agree with charging the customer for items with no firm delivery date but rather when item has been received and installed with purchase paid for. This is the normal process for XXXX XXXX and XXXX amongst others. Is this legal to have to make payments without receiving the actual item. Most others dont charge customer until item is delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mothers home went into foreclosure when I was a minor.i didn't live there. The mortgage company sued my mother and put my name in the documents.now I have a foreclosure on my credit report.my name is not on the deed or anything connected to the home.they were instructed by the judge to remove my name in 2019 and haven't
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I sent a payment to a recipient for {$20.00} using the CASHApp mobile application. That transaction appears as a debit authorization. On XX/XX/year>, CASHApp, according to information received from the financial institution, initiated another transaction and debited the account for {$20.00}. This transaction was unauthorized. I did not make nor authorize CASHApp to initiate a separate debit transaction. This appears to be a recurring problem whenever using CASHApp and as a result of this practice, there is an outstanding debit authorization from XX/XX/year> in the amount of {$20.00} that has been taken from the available account balance in addition to the unauthorized debit initiated by CASHApp on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; Medical XXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$110.00} ; SXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

SIMONS AGENCY INC. stated, Our office was retained by XXXX XXXX XXXX for an outstanding balance due them. The file was placed on XX/XX/XXXX and initial correspondence was sent to the address provided to our client. My question is, if I owe this alleged debt to Summit Medical Group, shouldnt I be paying XXXX XXXX XXXX instead of SIMONS AGENCY INC? How do I owe XXXX XXXX XXXX? Furthermore, SIMONS AGENCY INC is violating my right to privacy as a consumer. I never gave SIMONS AGENCY INC my information so they bought it along with this alleged debt that theyre trying to make me pay. It sounds like SIMONS AGENCY INC already paid for it, which is not my problem. I will not pay anything. Im not SIMONS AGENCY INC client nor do I wish to do business with them. SIMONS AGENCY INC claim they never had a conversation with me but stated, The file was placed on XX/XX/XXXX and initial correspondence was sent to the address provided to our client. Again, I am not SIMONS AGENCY INC client but that was COMMUNICATION. On XX/XX/XXXX that alleged validation did not include the 5 requirements pursuant to 15 USC 1692g. Im not obligated to pay this alleged debt. From my understanding, SIMONS AGENCY INC already paid it. So how do I owe SIMONS AGENCY INC? Who is SIMONS AGENCY INC and where is this alleged contract or agreement with my WET INK signature with SIMON 'S AGENCY INC? The fact SIMONS AGENCY INC want me to resolve the still outstanding balance is obscene and profane language to me. I do not owe anything nor will I ever pay SIMONS AGENCY INC. According to 15 USC 1692k civil liability, SIMONS AGENCY INC owe me for the violations and damages against me. I expect my check in the mail within 30 days.
Product: Debt collection

This debt has been resolved XXXX continues to harass me through debt collectors this is the third time I had to have to request to have it removed from my credit reporting agencies. Please if you can help and stop them from doing this XXXX is enough to deal with I should n't have to deal with this at all I think you for your time and I look forward to hearing from you soon. 
Sincerely, XXXX
Product: Debt collection

XXXX XX/XX/XXXX XXXX XX/XX/XXXX Reporting XXXX location of Fraud : XXXX XXXX XXXX XXXX NJ The person responsible for fraud of misuse of customers credit card information is the only manager that was working during the times of XXXX- XX/XX/XXXX. 
I have proof of evidence of being overcharged twice on my rental and an unknown transaction of XXXX dollars for a service I never used and it was the same time I rented from XXXX. The only people that had access to my credit card and information was the manager of this XXXX location. My bank didn't bother to help me since XXXX didn't want to give out the information and according to my bank they was deleting my past transactions out the system. And then when I had to send out physical evidence to my bank thru the mail, my evidence got lost so now I'm back again to seeking justice. Due to them overcharging me and the money they took from me never bounced back into my account, my account is negative XXXX XXXX and citibank had no choice but to close my account and basically told me to take legal action to clear up my rental debt now. I paid for all my rental costs plus the XXXX tolls so there should be no reason why they messed up my transactions. I told XXXX multiple times and their response is that they can't read my transactions thru their system and I can only see my transactions at the place of the rental. I was paying XXXX a week on the rental with a XXXX dollar deposit and a additional XXXX a week to cover tolls, I don't know why they decided to charge me a extra XXXX dollars in my bank account. All the money I was paying weekly was still being taken out my wallet even tho it declared it as pending, if that was the case my money would of bounced back to the original account but now my money is missing, they charged me XXXX to where my account went negative and had no choice but to close my account. I would like the XXXX charges to be disputed and a investigation on the person responsible for scamming my account that is working behind XXXX.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX