23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Process of purchase of a mobile home. financing agency 21st mortgage XX/XX/year> - 21st mortgage approved the first mortgage the interest rate was extremely high 11.4 %, they sent me 3 mortgage plans with 3 different interest rates but the monthly rate remained. the same. 

XX/XX/year> 21st mortgage again seeking financing they did not even check my credit score and the interest rate was double what the first mortgage rate was double payment for insurance and double rates on taxes... 

i inquired about the different rates and prices and was rudely told ether take or leave. I have copies of these ridiculous pricing, home purchase {$100.00}, XXXX will end up spending over a half XXXX dollars for a mobile home {$580000.00} for a mobile home these are ridiculous financing. This is what 21st mortgage offered me - I still have the loan offer I have excellent credit XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), Experian Information Solutions , Inc, provide I, XXXX XXXX, consumer, with such documentation where I gave you written instructions and permission to furnish my information? Thank you. Best regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already disputed all fraudulent inquires twice with transunion. Mailed letters twice. Which I mailed the FTC report with the letters. So here it is again, ...
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report. It has come to my attention that I did not receive a copy of my billing statement for the months listed above which is required by the law at least 21 days before the payment due date. Pursuant to the provisions of 15 U.S. Code 1666b - Timing of payments.
Product: Money transfer, virtual currency, or money service

XX/XX/year> an unauthorized {$5000.00} was taken from my Chase Checking account using XXXX. When I called to find out where my money went and who authorized this transaction no one could tell me. I asked for the recipients information and I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my countless attempt to file a complaint and tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Checking or savings account

My wife and I have a joint checking account with Ally Bank. Recently, my wife 's debit card was used for an online purchase ( Approximately {$160.00} ) that we immediately recognized as fraud and reported to the bank. The bank is currently investigating the incident. The bank agent informed that nowadays, devices can scan debit or credit cards just by walking near the person 's wallet. My wife and I never use debit cards for transactions ; we always use credit cards for higher security. However, we are now fraud victims because of these con artists. 

Thank you
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and 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 reported in ( MONTHS REPORTING 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. 


( XXXX XXXX XXXX, XXXX ) 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! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/2025, I initiated a request through XXXX ( a XXXX service ) to transfer {$23000.00} to a recipient in XXXX. However, the transaction was initiated in error, and I immediately contacted XXXX customer service to request a reversal of the funds. 

The XXXX representative assured me that they would work with the XXXX XXXX  to reverse the transaction. Despite my prompt request, I received no clear confirmation of the reversal process or its status. On XXXX XXXX  I received a demand from XXXX to pay the full transaction amount, despite my earlier request to cancel and reverse the funds. 

I followed up with XXXX multiple times via email on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX but I have not received any response. I also escalated the matter to XXXX, but no resolution or communication has been provided. 

This situation has caused significant financial hardship, as I do not have sufficient funds to cover this amount. The lack of response from XXXX and XXXX is deeply concerning and has left me in an unresolved financial dispute.
Product: Credit card or prepaid card

Hi there - I have a Best Buy credit card and have made two purchases selecting no interest for 12 months. Whilst paying off my first purchase, I was in the middle of moving and switching banks and my payment went from the wrong account. They graciously waived the late fee ; however, a random {$2.00} fee for " Minimum charge '' appeared on my account.

When I messaged to ask them what it was for, this was the response I received : " The terms of your account explain that there is a minimum periodic interest charge of {$2.00} for each billing cycle in which your balance has not been paid in full. '' It seems ridiculous. I don't expect the CFPB to intervene in this instance, but wondering if Best Buy has a pattern of " minimum periodic interest '' charges? Seems like XXXX to me. 

Thanks for your hard work! 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

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

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: Vehicle loan or lease

In accordance with the fair credit Reporting Act XXXX Account XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company did not had permission or authorization to request a copy of my credit report. XXXX XXXX - XXXX XXXX. I demand the deletion of this inquiry from my Equifax report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 



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

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX California XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Debt collection

XX/XX/XXXX received phone call, confirmed contact info and relieved a letter stating they were a collection firm on behalf of us bank for a credit card opened in XXXX. This is a fraudulent charge, in no way is the account mine. I do not use us bank. They called me multiple times with threatening voice-mail, appealed for me to settle outside of court, said to expect to be served, and also called my mother with a threatening voice-mail. They sent an email of a " demand notice '' for me to sign to confirm. I did not do that or take further action with fjs. 

I spoke to us bank, they have no history of me having an account with them. The company that called me claims they are XXXX global - website : https : //fjsglobalcollect.com/ Phone number : XXXX
Product: Debt collection

I had renters who paid rent through PayPal. When these XXXX moved out of my house, they called their banks and did fraudulent chargebacks to get their money back from Paypal. I can prove they did this and PayPal just let them do it after I showed PayPal all the evidence that I was a victim of fraud. PayPal told me I was responsible and is now sending me debt collection notices in the mail. I DO NOT owe this money. The XXXX who owe it are the boys who committed chargeback fraud through their banks.
Product: Credit card or prepaid card

I was issued a Wisely card through ADP by my employer to receive my wages. 

I was unaware that I was not able to deposit funds onto the card at a local ATM location. 

When I attempted to deposit a sum of {$570.00} in cash to the card, the ATM dispensed a receipt which said " Transaction is not permitted '' but did not return the cash. 

When I reached out to the bank, the branch manager informed me that XXXX must file a dispute and that when the ATM was audited and shown to be {$570.00} over the amount it should, the funds would be returned to me. When I reached out to ADP I was told several times that there is no record of me ever having swiped the car or entered my pin, and that they are unwilling to reach out to the bank branch.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a notification from Cash App stating my account was overdraft although I had XXXX in my balance. Cash app continually stated my issue was being escalated and I would receive an email, however that never happened. I continued communicating ( i have photos to prove ) and still have heard nothing back today ( XXXX ) in a span of a few hours twice my cash app account, which I have removed all of my personal banking information from, has had negative balance because someone is removing funding I do not have in there and have not used. Cash app will not respond in regards to this or help in any manor. Also on XX/XX/XXXX it was a news article put out that cash app had been hacked and peoples personal accounts interfered with but again they are not helping to rectify the problem. I have now lost XXXX and now have a negative balance of XXXX for as they are showing failed attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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. 

XXXX  XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX {$75.00} XXXX XXXXXXXX - {$140.00} 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX California XXXX XXXX of Birth : XX/XX/1993 SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year! 

Here are the items that I need to have fully verified as being 100 % accurate :
Product: Credit reporting or other personal consumer reports

I have gotten a loan from Ally financial to purchase a XXXX, However in late XXXX my bank account from where the payments were made was closed. I called Ally and gave them another bank account and a card number to make a payment but they couldn't do it. My Ally account online did not let me make payments and I have made several calls without success. My only option is to send them a money order which was successful at first. 
In XX/XX/XXXX, my bank sent them a payment but it was rejected by Ally, so I send them a money order and they rejected it as well and issued refund by check which I did not cash. 
Somehow in XX/XX/XXXX they accepted a payment sent from my bank and again payments sent for XXXX XXXX and XXXX kept getting rejected. I tried resolving the matter directly with them by sending them letters, faxes and phone calls but they refused and did not do anything. When I call to discuss they will put me on hold for and extended time just to transfer me to an IT department or some other department. Finally, my payments for subsequent bills were accepted after they tried to repossess the XXXX but were not successful. Now, in all the months they were rejecting the payments, they were charging me late fees and reporting late payments to the credit bureaus. I am up to date with all the payments except the late fees they charged me. 
I need your help on this matter as the calls, letters and faxes have not resolved anything with Ally. 

Thank you
Product: Debt collection

I constantly am getting calls from Receivables Management Partners LLC after asking this debt collector to stop calling my phone. I have blocked their number from calling my phone and still receive voicemails. One time I called they told me " well you will have to deal with this on your credit '' and disconnected the call from me. Today I called and asked why are they still calling me leaving voicemails and they said " I am disconnecting the call ''. This is frustrating and it's harassment.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order on XXXX to purchase a sneaker named XXXX XXXX XXXX XXXX XXXX Reverse Mocha size XXXX. On XX/XX/XXXX, I have received a XXXX tracking saying my order had been delivered with my name signed. Obviously, I DID NOT sign for anything that day because I did asked my household members and my neighbors and they said they did not sign for anything. So, I lost {$1300.00} and received nothing. I decided to dispute to Chase Credit XXXX on XX/XX/XXXX and explained my situation and they credited me temporary. Today, I received the letter from Chase saying that they decided to reverse the credit to the merchant and told me that the delivery statement was valid. Right now, I want to challenge that decision and I want CFPB to help me.
Product: Debt collection

Collection Company : Modern Adjustment Bureau,   XXXX   XXXX   XXXX  , Ca  XXXX  They are attempting to collect for FULL payment for dates of service : date sub.  | date of. | Provider of Service Billed. Paid by to insur | service. | Amt Ins.    ______________________________________________________________________   XX/XX/XXXX  |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} 03/07/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX    {$2100.00} {$290.00} 01/08/2016 |  XX/XX/XXXX -   XXXX   XXXX   XXXX   XXXX   XXXX   {$2100.00} {$290.00} Modern Adjustment Bureau is attempting to collect a total amount {$6400.00} rather the the amount of {$290.00} for each procedure stated above.      Yes I admit I cashed the checks from insurance company, and in the past when I had gone to  XXXX  for my lower  XXXX   XXXX  procedures I had signed any insurance check (  s ) I  received signed over directly to  XXXX  ... For this particular procedure I received payment in the    XXXX    calendar year for  XXXX  date of services. At the time of  XXXX , I was NO longer seeking any more treatments. I also want to note that I NEVER received any invoice from the above provider for the due amount of {$870.00}.     I then contacted my insurance to attempt to find out how to address. Even though the above provider was NOT in my network, they did accept previous payments made by my insurance company and did NOT seek full payment for billed amount.     My insurance company has also noted that there are many dates of service where they did NOT pay, due to some accreditation as well as not being in network. But as I stated accepted the payment by the insurance company. There is now through the insurance documentation of this. As they stated to me, this is illegal. I have since contacted the service provider to explain my situation and stated that they would take the amount owed of {$870.00}. I also stated to them the Modern Adjustment Bureau has been making harassing phone calls and are belligerent.