23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an American Express Business Gold Rewards card under through a mailer that I received that offered XXXX points after spending {$5000.00}. By XX/XX/XXXX I had  spent {$5800.00}. Upon looking at the Membership Rewards that I was going to be receiving, it was greater than XXXX points that I would receive. Unfortunately, I accidentally made 3 payments to my Credit Card through the wrong bank account, which caused those payments to be returned. ( These payments were in advance, my statement had not yet closed, and my previous statement was paid in full already ). American Express put a hold on my account and shortly after closed my account. I first made contact to get my account reinstated trying to explain what had happened, with no prevail. I then was in contact with American Express Membership Reward support between XX/XX/XXXX and XX/XX/XXXX, in concern for the Membership Rewards that I was promised to receive. One American Express representative assured me that if I paid off my statement I would receive the points I earned after my statement closes, and I would have to call the American Express number in order to redeem those points. After calling today, XX/XX/XXXX, I was now informed that my points are forfeit because my account is closed.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX of SSN : XXXX RE : Account Number # n/a Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by phone, on XX/XX/year> and identified this alleged debt. 
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Internal Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 


Best Regards, ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS SOLD AND BIOUGHT ILLEGALLY BECAUSE I WAS A VICTIM OF THE EQUIFAX DATA BREACH. I WANT THESE ITEMS DELETED FROM MY CREDIT REPORTS EFFECTIVE IMMEDIATELY. I AM ATTACHING PROOF THAT EQUIFAX HAS ADMITTED THAT I WAS INFACT A VICTIM OF THIS DATA BREACH AND EQUIFAX HAS DONE NOTHING. PLEASE HELP ME DELETE THESE ILLEGAL ACCOUNTS FROM MY CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

I have contacted TransUnion and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. No one has provided any proof, not the creditors, not the credit reporting agency. XXXX, XXXX and TransUnion should request to see proof that proper authorization was obtained to request credit reports. They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1 Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

2 Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

3 Contact Information : My main contact number is XXXX :. I would like this number to be updated. 
4 5 Date of Birth : XX/XX/year> ( XX/XX/year> ) 6 Employer : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Credit reporting or other personal consumer reports

I would like to follow up about the unresolved issue in my dispute previously also I would like to express my sustained dissatisfaction and frustration. Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future. If this matter is not resolved satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. Therfore, I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX, MA XXXX ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$650.00} ; XXXX XXXX Balance Owed : {$610.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$730.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$8000.00} ; XXXX XXXX Balance Owed : {$650.00}.
Product: Money transfer, virtual currency, or money service

I am filling 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( AFTA ) and Regulation E. These Actions have caused significant inconvenience and financial LOSS, and I seek appropriate redress for these violations.

I contacted customer service serveral times since my account has been opened, once even for my account getting hacked and money taken from my person accounts.
Product: Debt collection

I received a bill that my mother owed dated XX/XX/XXXX. My mother has XXXX XXXX and I had worked with XXXX XXXX prior to this. Apparently it went to Berlin-Wheeler. I sent them a check in early XX/XX/XXXX for the balance of {$52.00}. On XX/XX/XXXX I received a voicemail from BW and called them right back. The representative I spoke with was short, rude and abusive. She claimed the bill is now for over {$100.00} and would not answer any questions of mine. We both became confrontational and she terminated the call after I asked if we could talk like adults. All she wanted was a payment. 

I would have been happy to explain the circumstances and that I had mailed a check but this person would not have a conversation with me after explaining my mother had XXXX. 

I have worked in this industry for years. This employee needs to find a better role off the phones. 

I request this bill be zero 'd out immediately and the reporting on my credit be removed within 30 days. I will take legal action and continue to have the CFPB and other Federal and State regulators speak on my behalf if not resolved within that time. 

I also request the CFPB to investigate this firm for flagrant violations of FDCPA and other similar regulations that govern third party collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried writing to this company to advise them that the account, XXXX XXXX XXXXXXXX was inaccurately showing on my credit report. I never has an account with this company and neither did I pay them any money. I paid money to XXXX directly in the amount of {$270.00} with whom I had an account. This account needs to be taken off of my credit report immediately
Product: Credit card

This account is closed with a paid balance. This is falsely reported. 
Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, 117 past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a request to correct the spelling of my name, the correct addresses and the spelling of employer. I mailed out to XXXX, XXXX and equifax XX/XX/2017. I never heard back from anybody. 
I look forward to resolving this. Thank you XXXX XXXX XXXX XXXX
Product: Prepaid card

I purchased three gift cards this year for relatives, worth XXXX, XXXX, and XXXX dollars respectively. OF COURSE there's no issues with the lower balanced cards, instead I get informed that the XXXX one isn't working. Wondering what the issue is, I took it and searched up its information on the vanilla gift card website, only to find that the card had been drained of all its funds. I called the number they provide online for assistance ( XXXX ) but that didn't go anywhere. XXXX is a lot for the average person right now, I can't just let it go down the drain without a fight.
Product: Mortgage

Since XX/XX/2019, I filed for borrows assistance with ROUNDPOINT MORTGAGE COMPANY. I have filed and gotten nowhere. I have spoken to several phone representatives, and I keep being asked to re-send the same documents over and over again and it is now XXXX and I am in jeopardy of loosing my home. I am trying to get the mortgage modified due to the fact my husband is on XXXX now since purchasing the home. I am in tears due to the fact I feel this company is not trying to acknowledge my application by sending me in circles. Today, I had a HUD counseling ( works for XXXX  ) reach out on my behalf to Loss Mitigation for RoundPoint and He was disconnected twice and told me I should immediately file this complaint due to the lack of professionalism. If needed I have all the email correspondence to show. I have the original application as well as all the times I have corrected what they claim to be wrong each time and still no assistance. Please reach out if documented proof is needed. I desperately want to keep my home, we can make payments now that his XXXX has started ... .. just cant make large amounts to catch up From when pay stopped this summer. I filed for assistance during our first defaulted month ( XXXX ) and still no help or word on application and its now XXXX. All i get is an automated message stating that I still have missing documents
Product: Debt collection

After examining my latest credit report, I identified several accounts that seem to have been added without my authorization and appear to be inaccurate. I request that these fraudulent accounts be removed and blocked at once.
Product: Mortgage

I called Wells Fargo XX/XX/XXXX and notified them that I hadn't received any information or settlement payment when I should have been. The reps name was XXXX and she said she submitted the claim and I should receive info regarding this claim within 30 days. On XX/XX/XXXX I spoke to XXXX at Wells Fargo and she gave me a different number. I then spoke to XXXX who said their was no way to take action and that he has no info to help me. The mortgage number is XXXX. We had originally been approved for a HAMP in XXXX and then a rep named XXXX stated on our account that the HAMP was cancelled per our request which was incorrect. Then in XXXX we received a letter saying they were unable to approve our HAMP because our debt to income was below 31 %. They forclosed on us XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There is information on my credit report that is a result of inaccuracy. Did not provide explicit written permission or instructions to identified Transaction to be reported on my consumer report. I am requesting that ALL Information on my credit report updated as PAID AS AGREED for the both XXXX XXXX XXXX XXXX XXXX XXXX accounts. These debts are charged off & is now considered income. Income is not suppose to be reported on a credit report. 


XXXX. [ XXXX XXXX XXXX ] XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ]
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XX/XX/2025 Fair Collections & Outsourcing of XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX Subject : Immediate Dispute & Demand for Debt Validation - Account # XXXX To Whom It May Concern, I am formally disputing the alleged debt assigned to me under Account # XXXX. Based on my review of the Fair Debt Collection Practices Act ( FDCPA ) and relevant Massachusetts tenant laws, this debt is invalid, unenforceable, and should be removed from your records immediately. 

Invalid Charges & Legal Non-Compliance 1. Water/Sewer Overcharges The charges assessed against me for water and sewer were consistently inflated due to improper calculations. I demand a complete breakdown of these charges, including documentation proving their accuracy. Until such validation is provided, this portion of the debt is disputed and unenforceable. 

2. Security Deposit Interest Violation Under Massachusetts General Laws Chapter 186, Section 15B ( 2 ) ( a ), my former landlord was legally obligated to pay interest on my security deposit annually or upon move-out. Since this requirement was not met, any deductions made against my deposit were illegal. If this debt includes deductions based on those funds, your agency is attempting to collect on an illegitimate balance. 

XXXX. Failure to Perform a Reasonable Accommodation ( RA ) Prior to my move-in, a reasonable accommodation was approved to replace the carpet in the primary bedroom with non-flooring due to my XXXX. This request was neglected, and any related carpet charges are the direct result of the propertys failure to comply with federal fair housing laws. Your agency is attempting to collect on a charge that never should have existed. 

4. Unfounded Blinds Replacement Charges Per HUD Guidelines, the expected lifespan of plastic blinds is three years. Without evidence that the blinds were within this period at the time of my move-out, any attempt to bill for replacement is baseless and unenforceable. I expect written proof of the last replacement date, or this charge must be removed immediately. 

Required Actions & Compliance Timeline Under the FDCPA, I am demanding the following actions be taken immediately : - Within 5 business days Provide full debt validation, including itemized charges, move-in/move-out documentation, and proof of compliance with Massachusetts security deposit laws. 
- Within 10 business days Confirm in writing that all disputed charges have been removed from my account and that all collection efforts have ceased. 
- Within 30 days If the original creditor fails to acknowledge the legal violations involved, I will take the necessary steps to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Massachusetts Attorney Generals Office, and, if necessary, pursue legal action. 

This letter serves as formal notification that I do not acknowledge this debt as valid. Failure to comply with the timelines outlined will result in further action against your agency and the original creditor. 

I expect your written response confirming resolution of this matter. 

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card

Company claims the payments bounced, and i never received any notification from my bank that these funds were returned. This is a bank error and now they are punishing me for the issue by freezing my payments. This is retaliation
Product: Credit reporting, credit repair services, or other personal consumer reports

SENT LETTERS, I HAVEN'T RECEIVED ANYTHING BACK.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX XXXX Dear Credit Bureau I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXXXXXX XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( Experian ), XXXX ( XXXX ) High XXXX : {$6900.00} ( XXXX, XXXX ), {$0.00} ( Experian ) Last Verified : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ), XX/XX/XXXX ( XXXX ) Date XXXX : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian, XXXX ) Balance XXXX : {$0.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account Rating : Paid ( XXXX ), Derogatory ( Experian, XXXX ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( all three ) Creditor Type : Bank Credit Cards ( XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Payment after charge off/collection, Settled - less than full balance ( XXXX ), Account legally paid in full for less than the full balance, Unpaid balance reported as a loss by the credit grantor ( Experian ), Settlement accepted on this account, Paid charge off ( XXXX ) Payment Amount : {$0.00} XXXX all three ) Last Payment : XX/XX/XXXX ( XXXX, Experian ), XX/XX/XXXX ( XXXX ) Term Length : -- ( all three ) Past Due Amount : {$0.00} ( all three ) Account Type : Credit Card ( XXXX, Experian ), -- ( XXXX ) Payment Frequency : -- ( all three ) Credit Limit : {$6000.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by XXXX ( {$6900.00} ), Experian ( {$0.00} ), and XXXX ( {$6900.00} ). 
2. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), Experian ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 











Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 

Enclosed are copies of my credit reports from XXXX, Experian, and XXXX, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification.

Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 

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

THE ACCOUNT WAS OPENED WITHOUT MY CONSENT AND WAS DONE THROUGH DATA BREACH AND THE AMOUNT IS {$37000.00}. I ASKED AN INVESTIGATION AND PROPER VALIDATION DETAILS AS REQUIRED 12 CFR 1006.34 ( B ) ( 5 ). DESPITE THIS, THEY VE ADDED A CHARGED OFF TO MY REPORT. I VE ALREADY TRIED TO RESOLVE THESE ISSUES DIRECTLY WITH THEM, BUT THEY CONTINUE TO VIOLATE MY RIGHTS. FOR EACH VIOLATION LISTED. I AM ENTITLED TO {$1000.00}. THEY MUST EITHER COMPENSATE ME OR REMOVE THESE ACCOUNTS IMMEDIATELY. THE COMPANY ARE AND AMOUNT, XXXX {$27000.00}, XXXX XXXX XXXX, {$1600.00}, XXXX XXXX XXXX XXXX XXXX$370.00}, XXXX XXXX XXXX {$990.00}, XXXX AND XXXX XXXX {$3000.00}, XXXX XXXX XXXX XXXXXXXX THE TOTAL IS {$37.00}, XXXX THAT ARE IN CHARGED OFF OR COLLECTIONS WITH THE XXXX CREDIT BUREAU.
Product: Mortgage

on XXXX XXXXXXXX of this year I did a refi with Freedom Mortage, in the amount of {$290000.00} I paid a closing cost of {$1400.00}, all the documents was signed via XXXX  and the remaining documents was signed before the notary and he was handed the cashier check 0f {$1400.00}, now we been going back and forth on reschelduing another closing date but we dont understand why that is the case and they do know what happened to the cashier check, the payment is not suppose to start until XX/XX/year> but now they saying Im XXXX months behind on my payment ang getting ready to report it to the credit bureau , we are totally in the dark and have talked to several people but no answers