23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX Complaint Explanation : Good Afternoon. I was just notified of a XXXX  Day Late on my Credit File from my Lender in a new home purchase. The Loan in question is for Loan # : XXXX ( XXXX ). This was due to how the company 's Payment System is set up. The facts of the XXXX  Day Late are as follows : The loan was transferred to them in XX/XX/year>. I promptly logged in and set up my account for autopay on XX/XX/XXXX for later in the month. It was not made aware to me though, that the payment date was not going to start until the following month instead of posting for the XXXX payment. I assumed I set the autopay up for later in the month. I did the same thing when I scheduled auto pay for the transferring servicer, so I did not assume anything different would happen during this set up. Then in XXXX, because the XXXX payment was not made, the system then canceled my Autopay. I was not notified of this either which then pushed my Loan from XXXX  Days Late to XXXX  Days Late. I was not made aware of the delinquency until my lender for a current home loan I am trying to get notified me. Once I became aware of this, I immediately paid the balance. See Payment Confirmation # : XXXX. When I called in to find out what had happened, I was notified that they made several attempts to call me. Unfortunately, none of the messages left indicated a delinquency or even a message to return their call, so I assumed that the calls were to offer a refinance because every time a lender runs your credit for a loan, I get inundated with calls asking you if I want to refinance. I submitted a dispute to them asking to remove the XXXX  Day Late because it is not fair that before my loan was transferred, I had no issues with late payments and their system caused my XXXX  Day Late. 

I sent them an email on their internal dashboard with this same complaint as a direct violation of RESPA and they responded that because they attempted to call me, that the RESPA law did not protect me and they denied my request to take the 60 day off of my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions was authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the receipt CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair an request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM SICK OF TRANS UNION, THIS COMPANY ALLOWED XXXX REPORT THE SAME ACCOUNT TWICE RUINING MY CREDIT PROFILE, THEY ALSO REFUSE TO INVESTIGATE XXXX XXXX WHICH IS REPORTING ON MY CREDIT PROFILE WHO I DON'T OWE A DEBT TO.I ASKED THEM EXPLAINED TO THEM THE ACCOUNT WASN'T MINE AND THEY SENT BACK VERIFIED I ASKED THE METHOD OF VERIFICATION BECAUSE ITS IMPOSSIBLE FOR THEM TO VERIFY I ACCOUNT I NEVER HAD THEY IGNORED ME, ITS BEEN OVER 30 DAYS I SENT THE LETTER VIA CERTIFIED MAIL SO I KNOW TRANS UNION RECEIVED THE LETTER .SOMETHING REALLY NEEDS TO BE DONE ABOUT THIS, HOW CAN THEY LET THE SAME ACCOUNT THAT IS NOT MINE REPORT TWICE THE SAME ACCOUNT NUMBER, SAME ACCOUNT DATE AND EVERYTHING & NOT EVEN CARE TO FIX IT.I WILL CONTACT THE NEWS STATION, MY STATE ATTORNEY GENERAL & EVERYONE I CAN BECAUSE THESE BUREAUS ARE BEING PAID BY COMPANIES TO REPORT & THE BUREAUS THEY DON'T CARE IF THE COMPANY IS REPORTING ACCURATE INFORMATION ALL THEY CARE ABOUT IS THE MONEY THEY ARE MAKING ..THEY DON'T CARE IF THE ITEMS IS TRUE AND ACCURATE SOMETHING HAS TO BE DONE ABOUT THIS THE CREDIT BUREAUS NEED TO STOP THIS IS AGAINST THE LAW, XXXX & XXXX  WOULDN'T INVESTIGATE THE ACCOUNT WITH XXXX XXXX I DONT OWE THAT DEBT, NONE OF THE COMPANIES WILL INVESTIGATE THIS ACCOUNT WITH XXXX XXXX I REPEAT I NEVER HAD A CONTRACT WITH THEM & I NEVER HAD AN ACCOUNT WITH THE ORIGINAL CREDITOR
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of utmost importance concerning violations of my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681. 
List of Violating Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights under the FCRA, specifically : * 15 U.S.C 1681 Section 602 A : Right to Privacy - I assert my right to privacy as guaranteed by this section. The unauthorized disclosure of my financial information, as reflected in the accounts listed above, is a direct violation of this right.

* 15 U.S.C 1681 Section 604 A Section 2 : Requirement for Written Instructions - It is evident that these accounts have been furnished without my written instructions or consent. This action is in direct contravention of this section, which safeguards consumers from unauthorized disclosure of their financial information.

* 15 U.S.C 1681c ( a ) ( 5 ) Section : Limitations on Information - The information contained in these accounts exceeds the permissible limitations outlined in this section. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years, is prohibited from inclusion in a consumer report. The presence of these accounts, which contain adverse information beyond the stipulated time frame, constitutes a violation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - According to this section, any person shall not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. In the case of the listed accounts, I contend that the information reported is not entirely accurate.

I respectfully request that you investigate these violations promptly and take the necessary actions in accordance with the FCRA to rectify the situation. Specifically, I request that the following actions be taken : * Conduct a thorough investigation into the accuracy, timeliness, and legality of the information reported by the entities associated with the listed accounts.

* If any information is found to be inaccurate, outdated, or in violation of FCRA regulations, please ensure that it is promptly corrected or removed from my consumer report.

* Provide me with a written response detailing the results of your investigation, the actions taken, and any further steps required to rectify these violations.

I believe that a prompt resolution of this matter is essential to protect my consumer rights and maintain the integrity of the credit reporting system. I appreciate your attention to this issue and look forward to receiving your response within the timeframe specified by the FCRA.

Thank you for your assistance in addressing these violations and upholding consumer protection standards.
Product: Credit card or prepaid card

This is regarding the Amazon Store Card ( credit card that gives rewards for purchases on amazon ), which is managed by Synchrony. Often when trying to log in to their website to make a payment I am unable to access the account, and it is left at a blank screen. Additionally, several times the website has been officially down ( the landing page indicates they are doing maintenance and it is unavailable ) for several days. In my view this is unacceptable and borderline illegal for a credit card company because it makes it challenging to make payments for the credit card. I have yet to miss a payment, but it is only a matter of time at this point, and I have no doubt that there are customers who have been forced to make a payment late due to this unreliable website. Attached is an image of the website after logging in - notice that the website is not loading, it is finished loading and the page is blank.
Product: Credit reporting

I sent a dispute to Experian XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.
Product: Checking or savings account

Today, XX/XX/2023, I received a debit XXXX in the mail from Chime. It was not an account that I opened. I have contacted Chime twice over the last year when this has happened. This is the third account opened over the last year. I've reported this to Chime each time. This continues to happen. I have blocks set up with the FTC and all major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX, someone scammed my account. They took {$23000.00} out of my account. The bank gave me back {$20000.00}. Until now, the bank has not payed me back the {$3000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these accounts below be removed immediately. ''
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 the USC 1681. 

XXXX account # XXXX has violated my rights. 

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

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

15 USC 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 USC 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

On XX/XX/XXXX XXXX XXXX XXXX XXXX -XXXX XXXX, Ohio XXXX made 12 inquires on my credit with 12 different financial institutions. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

They also were suppose to pay my car off that I upgraded from XX/XX/XXXX XXXX XXXX. It says I have a balance of {$10000.00}. 

The large amount of inquires and the high balance affected my credit score a lot. I have attempted to contact the finance manager on the matter leaving voicemail stating these issues and NO reply back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and notice a fraudulent account on my credit profile by the name of Ability Service Recovery. I called and sent in several certified letters in the mail which I still have n't received any responses back from the company. I received several threatening calls from this creditor at my job and my cell phone. I feel threatened and disrespected. Now I 'm at a point where I am fed up and looking to file a law suit against   XXXX   and the creditor because it 's an error and it 's a fraudulent account.
Product: Credit reporting or other personal consumer reports

I am disputing several inaccurate, incomplete, and unverifiable items on my Equifax credit report generated on XX/XX/2025. Despite previous attempts to resolve these issues, they remain uncorrected. I am formally requesting that Equifax immediately investigate and correct these errors in accordance with the Fair Credit Reporting Act ( FCRA ) and Florida state law. 

The disputed items are as follows : Inaccurate Charge-Offs & Late Payments During 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 {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were impacted by XXXX hardship, and I believe they were inaccurately reported as charged-off or late. I request that Equifax provide documentation proving that they followed CARES Act regulations, which mandate that accounts affected by the pandemic be reported as current. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ) Collection Account ( {$1200.00} ) I dispute this collection account and request full debt validation, including the original signed agreements and proof of the balances accuracy. 

Previously Disputed Items Not Corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Accounts Marked " Previously Disputed '' ) These items were previously disputed, but they have not been corrected. I am requesting Equifax reinvestigate and resolve these discrepancies. 

Incomplete or Outdated Account Information XXXX Card ( Accounts # XXXX & # XXXX ) Missing/Incomplete Balance Updates The balances and payment histories of these accounts are not properly updated. I request Equifax provide accurate and complete information. 

Request for Immediate Action : If these items can not be verified or are found to be inaccurate, I request that they be immediately corrected or removed from my credit report. I also request all supporting documentation used in the verification process. Failure to correct these errors will result in further escalation, including formal complaints to the CFPB, FTC, and Florida Attorney General, as well as potential legal action under FCRA and FDCPA.

Impact on My Financial Well-Being : The unresolved errors are significantly impacting my credit score, hindering my ability to qualify for loans, and adversely affecting my financial future. I am seeking immediate correction to prevent further harm. 

Legal Grounds for Dispute : FCRA ( 15 U.S.C. 1681i & 1681s-2 ) : Requires that all disputed information be investigated and corrected.

FDCPA ( 15 U.S.C. 1692g ) : Requires full debt validation for collection accounts.

Florida Statutes 95.11 & 501.005 ( 10 ) : Mandates timely removal of time-barred debts and correction of errors within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to my previous complaint. Experian sent me an updated credit report on XX/XX/2023. However, despite the update, the inaccurate addresses that I had disputed still remain on the report. This failure to address the issue properly further strengthens my complaint against Experian for disregarding their obligation to remove inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$520.00} ORIGINAL CREDITOR XXXX {$180.00} XXXX  XXXX {$6600.00} XXXX XXXX {$980.00} XXXX  XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of unauthorized credit inquiries from my credit report. As a victim of a recent data breach, I am invoking my rights under 15 U.S.C. 1681c- 2 ( a ) and FCRA 605 ( b ) to request that any fraudulent or unauthorized inquiries be deleted from my credit report to protect my financial integrity. 
Unauthorized Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card

Took advantage of XXXX promotion twice with required paid in full in XX/XX/year>2025 and XX/XX/year>2025. Payments were made every month with my schedule that both would be paid by closure dates. What was being done even after numerous phone calls to citibank would put my payments towards the XXXX promotion. Doing this would cause the XXXX promotion never to be paid off on time. I instructed Citibank numerous time to pay the XXXX first. They refused. Call to direct them to pay the XXXX promotion in full as I sent enough to pay it in full, none of the money went to pay off the XXXX promotion SCAM. Now I must pay interest due to Citibank refusing to pay off as requested.
Product: Mortgage

I received my statement around the XXXX of the previous month, I mail my payment the same day or one day later, but the address for lender is XXXX XXXX  XXXX XXXX. 
Due to post office delivery time, my payment arrives late causing me to be charged late payment charge. Have asked customer service if they could mail my statement sooner so I did not get charged late fee for receiving payment late, said they have a set time to mail statements out. I think this is a XXXX to get late fees that are not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reduced my personal line of credit due to the misstating the balance, reporting late payments incorrectly, failing to report a discharged debt or paid debt, reporting old debt as new or re-aged, closed accounts as active, reporting information over 7 years reporting civil judgments over 10 years, by XXXX XXXX XXXX and XXXX, XXXX Their action has caused me harm by their continued abuses, violations, REPRISAL to the FCRA
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX Account # : XXXX Balance : {$540.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX Account # : XXXX Balance : {$130.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX  XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  XXXX Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed EXPERIAN** XXXX  XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  XXXX Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX** XXXX  XXXX Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRES Creditor Name Date of Inquiry Credit Bureau JXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

Comerica bank forced me to sign a forebearance letter even though all payments were current. Comerica announced they wanted to drop my loan and I needed to find another bank. After signing forebearance no bank would talk to me. They took my XXXX dollar commercial property. 

Now they refuse to give me info on my home mortgage Acct #, Payoff, why no statements? They refuse to talk to me. 

This cant be legal
Product: Credit card or prepaid card

I registered an account with Synchrony Bank ( Bank ) for the Synchrony Home card. Upon registration, I was offered the option to enroll in E-statements, and if I chose to, I was subject to the Bank 's " terms and conditions. '' There is no link or other access on the Bank 's account registration page to those afrementioned terms and conditions. I believe that consumers have the right to access those terms and conditions before finalizing registration and therefore making a decision whether or not to enroll in estatements. I am submitting a complaint based on this lack of information available to the consumer during the online registration process.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 and 18 financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I signed up for the apple credit card on XX/XX/XXXX ( XX/XX/2022 ). I signed up on the website link XXXX XXXX XXXX  This website provided a promotion where if you apply for the card by XX/XX/XXXX and make any purchase within the first 7 days of opening the card you are eligible for {$100.00} promotional cash back. 

I signed up using that link on XX/XX/XXXX, made a purchase the same day. So I followed the terms of the deal. I did not receive the {$100.00}. I contacted apple card support on XX/XX/2022 to attempt to fix the issue. They said they would look into it. They just emailed me back saying I did not qualify for the promotion. However, I did follow the terms of the promotion, so they are wrong. 

Images show proof that I applied on XX/XX/XXXX, proof that I made a purchase within 7 days of account opening. Also my denial letter from Apple Card support.