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

Had some things sit up on auto pay such as car payment, life insurane, phone bill etc.This was in XX/XX/2016 car payment XXXX, car insurance XXXX, phone bill XXXX something don't no about life insurance asked the XXXX XXXX branch for that information because that card had got canceled and was told some checks had come back and I no that shouldn't happened cause it was money to cover it so what's really going on .I need some information on paper to support what's being told to me.
Product: Debt collection

After leasing for XXXX XXXX XXXX complex and moving out on XX/XX/2020 we received a bill in the mail on XX/XX/2020 stating that our security deposit was taken to replace the carpet. The left over debt on top of that was {$85.00}. I did call the leasing office myself on XXXX XXXX and tried speaking to the manager who was not available at the time. She returned an email on XX/XX/2020 stating that the reason for the charges were due to the carpet being saturated in XXXX. In our contract we stated and signed that we would have no pets within our apartment during our year lease which we complied with fully due to not owning any pets or letting any pets into the home. I emailed management twice more asking if they could please look into this matter as I felt maybe the previous tenants had left this mess behind but I never received any answers or information letting me know that this debt would send me into collections over 5 months later. The lack of information has caused my credit to be damaged for something we did not cause and was not looked into properly. Our apartment was not ready on move in day, in fact it still had to be serviced by cleaning staff from the previous tenants. No carpet replacement before our move in.
Product: Checking or savings account

On XX/XX/2023 cashapp updated a completed charge from {$35.00} to {$70.00} My receipt shows the amount being {$35.00} their is no issue with merchant. 
Cash app is aware of the issue and this has effected millions of cash app users and they have done nothing to stop any further double charges they are causing my account to be negative with direct deposits going in for money i did not spend.
Product: Debt collection

I have been paying this medical bill down monthly, consistently without fail to date of this complaint. It suddenly popped up on my credit reports & states that I owe {$650.00} when I actually owe {$450.00} as of this month, XX/XX/23. I have the recorded receipts. Please help as Ive made consistent gains paying this bill down from {$1400.00} plus dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

had account with   XXXX   XXXX   in  XXXX    XXXX  florida  around  XXXX  closed the account after having extreme issues with the bank. I had some some withdraw a lot of money on a online server.. when I reported it the bank refused to reimburse my money and feed me.. after going to your agency years ago they finally fixed and cleared my accounts.. well guess what its back.. I had received a letter from them way back but lost documents in the hurricaine.. these people are ruining my credit and just came back on my telecheck and credit report just with the la st two m onths. I do not have my old account number. want it removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed an inquiry on my credit report on XX/XX/2021 without my consent. 

In accordance with the Fair Credit Reporting act 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 an inquiry without my written instructions.
Product: Debt collection

This account is over XXXX XXXX XXXX and should not be reported on my credit report. Appealed to the big three credit reporting agencies and company stated it was valid debit. Portfolio Recovery for XXXX dollars. The account was with XXXX Credit Card, then they sold it to XXXX XXXX and took away all my credits on my card XXXX like XXXX purchase credits XXXX Zip gone,. then sold it about XXXX or XXXX more times. Now Portfolio Recovery are claiming ownership. Its time to clean this off my credit report, its been over XXXX years and past statutes for reporting.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate and inconsistent reporting of the following XXXX XXXX XXXX accounts on my credit report : * Account # XXXX : Reported as " Derogatory '' with inconsistent last payment dates and status updates across different credit bureaus. 
* Account # XXXX : Displays similar reporting discrepancies, and my previous consumer dispute remains unresolved. 

I believe that XXXX 's reporting and collection practices may violate several federal statutes, including 15 U.S. Code 1681i, 1681s-2, 1692g, and 1681n.

I respectfully request that you : 1. Conduct a full investigation into the inconsistent reporting of these accounts.

2. Require XXXX to validate the debts with proper documentation, including original agreements and payment histories. 

3. Remove the accounts from my credit report if XXXX can not provide accurate and verifiable records. 

4. Ensure XXXX complies with all relevant federal laws regarding fair credit reporting and debt collection. 

I kindly request a written response detailing your findings and any actions taken to resolve these discrepancies. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I went through XXXX and they refer me to the XXXX XXXX XXXX to see if they can help us save our home. First XXXX XXXX from XXXX XXXX XXXX said that he can not help us when i explain to him the problem i have with my mortgage. Then he call me back and said that he will try and if it does not work he would refund my first payment of {$1900.00} a mont later i got a email that my claim was denied by my bank [ Chase ] try to contact XXXX XXXX XXXX but no respond, now my bank wants me to pay and i am short the {$1900.00} plus another month is added on to what We owed for our mortgage which is {$13000.00} and we only have {$10000.00} and Chase our bank do not want to accept partial payment.
Product: Credit reporting or other personal consumer reports

my name is XXXX XXXX equifax is totally violating my consumer rights.they are reporting a unauthorized fraudulent inquiry on my credit reort.as i mentioned before i never applied for credit with this company.please help to delete XXXX XXXX XXXX, XXXX XX/XX/2024.
Product: Credit card or prepaid card

I received a credit card to help build my credit but since then have run into a lot of unexpected expensive repairs. I have not been in the position to make a pynt since. I tried to explain this one one of the 100 's of calls I've gotten from them in the last few months. They call early morning, late day, Sundays, holidays. I do not have a list of times and days they called. I did have but it got thrown away. They called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX @ apr. XXXX XXXX I told them once I got back on my feet that I would try to make pymts.
Product: Debt collection

I was contacted by XXXX XXXX XXXX XX/XX/XXXX regarding student loan debt with an increase of XXXX in collection charges the department of edu did not honor my debt rehab program with them and sent the information to XXXX, once contacting XXXX XXXX XXXX they stated that I would go into 9 month rehab program and after the program a new servicer would contact me so XX/XX/XXXX payments where started of XXXX $ every month on the XXXX of the month automatically, all payments where made up until XX/XX/XXXX completing the successful rehab program, I called XXXX XXXX XXXX XX/XX/XXXX to inquire to why I have received no contact regarding new servicer. On the call the lady explained they had the incorrect contact information for me even tho they where sending everything to my current address etc, the women advised me to make another XXXX $ payment for XX/XX/XXXX I did, after this I received a letter stating I fell out of the program even though I completed all the paperwork required 1040, w2, financial disclosure in XX/XX/XXXX which that is how my payments where calculated. So now its XX/XX/XXXX and still no answer to why they have not had any other servicer contact me to take me out of the debt which is affecting my Score. They seemed to have no information no notes on call nor the program even though they took the payments, they are falsely advising and not following federal guidelines for debt collection, the dept of edu is not accepting calls. So Im paying this debt every month for now 10 months and the rehab program is not being followed by XXXX they are still attempting to collect debt with the XXXX in collection fees they have not contact any servicer regarding my loan nor sharing the information with the dept of edu, they are continuing to keep me in default regardless of the so called program offered. They are attempting to place me in another 9 month program saying they havent received proof of insurance which was never requested everything was sent via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

using my personal information did not apply for anything with them please take me off your opt out list do not pull credit FCRA violation misuse of my credit information found the report on Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The below listedt of accounts has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX acct # XXXX has violated my rights XXXX XXXX XXXX acct XXXX XXXX has violated my rights XXXX XXXXXXXX acct # XXXX has violated my rights XXXX XXXX XXXXXXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX acct # XXXX violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1981 section 602 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c, section ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report contain any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has resasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the EQUIFAX credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX balance {$460.00} This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Debt collection

EQuifax you are the only one still reporting this account the other credit companies have remove this account.XXXX XXXX XXXX this is not my account your report states closed XXXX, bal XXXX  min monthly payment XXXX still shows reporting of payments, last payment -- -- -, amount past due XXXX, worst payment no info, i contacted XXXX XXXX XXXX  they state the only thing they had was a credit card was sent to my address { I request a Copy of signature that it was signed for here at this address never responded it, even a return receipt with a signature no response they state it was sent by regular mail, Nothing show an actual signed contract with my wet ink signature on it from XXXX XXXX XXXX or remove it at once like the other credit companies have .AnFCRA 623,
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding what I believe to be a violation of my consumer rights in relation to the reporting of accounts by the XXXX major credit bureaus : XXXX, XXXX, and Experian. These accounts are negatively impacting my ability to secure a mortgage, and I demand immediate action to resolve this issue. 

I recently applied for a home mortgage, and I was informed that certain accounts being reported on my credit report are hindering the approval process. The accounts in question are identified by the following numbers : XXXX XXXX While I understand that XXXX, XXXX, and Experian are responsible for compiling and reporting credit information, I believe these accounts have been reported incorrectly or unfairly. Given the critical nature of my mortgage application, I am requesting that these accounts be removed from my credit report within XXXX ( XXXX ) business days. 

I am exercising my consumer rights and seeking immediate redress, as the continued reporting of these accounts is obstructing my financial opportunities and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I appreciate your attention to this matter and trust that the necessary steps will be taken promptly. Please confirm receipt of this letter and provide an update on the actions being taken.
Product: Debt collection

CBE group continues to call me XXXX times a day XXXX days a week. They never leave a voicemail and I have spoke to them multiple times asking them to send me information about the debt and to stop calling me over the phone. I told them I will not confirm any of my personal information over the phone as I dont know who they are or what the calls are about and for them to send me a validation letter about the debt and I will be happy to contact them to speak about it if it is valid. They refuse to send me anything and continue to call me. They are not following the laws and if needed I will be getting an attorney.
Product: Credit card or prepaid card

I was having a cell phone dropped on XX/XX/XXXX, and the screen is shattered, I want to use my uber visa signature card cell phone protection insurance to pay for the repair of {$300.00}. 

Upon calling the card customer service I was provide the guide to benefit and phone number to call benefit admin with XXXX, they filed a claim on my behalf and the claim number is XXXX, I submitted my proof to eligible documents which are : phone bill and statements that I paid for these phone bill using my uber credit card for the past whole year. 
After 3 weeks I getting a denied says : " According to our records, you claim was denied since the benefit did not go into effect untilXX/XX/XXXX of 2019. '' This cell phone protection benefit was there before and not start from XX/XX/XXXX according to my benefit guide, after that I called multiple times both with Barclay and this insurance company, they kick the ball to each other : Barclay says any claim decision is belong to the insurance company and insurance company says this date is provided by Barclay. 

Oh their website of benefit change ( https : //www.barclaycardus.com/apply/action/handleFile? id=ub4ProductChangeFAQ ) the specifically says that : " If you have already set up your total monthly wireless bill to be charged to your Uber Credit Card, you may continue using your cell phone protection benefit without interruption. " This clearly not the case, my eligible claim was interrupted and been denied on both sides to help me forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. For some time now, I have been going back and forth with XXXX, XXXX and Equifax about INACCURATE information that has been reported to my credit reports. Per FCRA they are required by law to report accurate information 100 %, at all times. I also believe a proper " INVESTIGATE '' was not performed. 

The payment history on each report from XXXX XXXX which uploads the report from each credit bureau, reflects different. How can I be 30 days late, 60 days late AND CURRENT on the same date on XX/XX/XXXX? That is NOT possible. How can I be 60 days late, 90 days late AND current on the same day according to XX/XX/XXXX? You see where I am going? But again, per each credit bureau 's special comment description, the dispute was resolved and accurate. 

When an investigation is completed, the " date last activity '' should reflect when the investigation is complete but these errors occurred prior to the dates that are reported on the each credit report which is XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX  XXXX has the obligation to report the SAME INFORMATION to all 3 bureaus, I believe through a system called EOscar, so again, how is it possible that each bureau was showing an incorrect payment history date? 

Please DO NOT say it has not been updated yet because the last report date reflects XX/XX/XXXX. 

I want XXXX, XXXX and Equifax to delete XXXX  XXXX  account # XXXXfrom my credit profile immediately because it was not being reported accurate AND I was denied the opportunity to purchase a home which has greatly interfered with my livelihood They can not go back and " update '' any of this information. I want this account deleted asap please. Thank You.
Product: Credit reporting or other personal consumer reports

Summary : I am filing this complaint to report violations of the Gramm-Leach-Bliley Act ( GLBA ) by XXXX XXXX XXXX and TransUnion XXXX XXXX XXXX XXXX improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with TransUnion without my consent and in violation of privacy provisions under the GLBA. TransUnion also violated consumer protection laws by accepting and using this unauthorized information. 
Details : 1. Nature of Information Shared : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under 15 U.S.C. 6809, which includes " personally identifiable financial information. '' 2. Unauthorized Disclosure : o XXXX XXXX XXXX reported this payment history to TransUnion without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The Gramm-Leach-Bliley Act requires financial institutions to protect the confidentiality and security of NPI and to provide consumers with privacy notices explaining how their information is collected, used, and shared. XXXX XXXX XXXX failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the XXXX. TransUnion, by accepting and using this information, also failed to ensure compliance with privacy standards. 
Specific Consumer Laws Violated : 1. 15 U.S.C. 6801 ( GLBA ) : Protecting the confidentiality of NPI.

2. 15 U.S.C. 6802 ( GLBA ) : Providing privacy notice and opt-out options.

3. 15 U.S.C. 6803 ( GLBA ) : Initial and annual privacy notices.

4. 15 U.S.C. 1681b ( FCRA ) : Permissible purposes for consumer reports.

5. 12 U.S.C. 5531 ( Consumer Financial Protection Act of 2010 ) : Prohibiting unfair practices.

6. 15 U.S.C. 45 ( Federal Trade Commission Act ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both XXXX XXXX XXXX and TransUnion, the total fines for each entity would be : XXXX $ XXXX XXXX {$6000.00}
Product: Mortgage

The complaint is against XXXX XXXX of Guild Mortgage in XXXX, NV. Her XX/XX/XXXX number is XXXX. She is advertising on XXXX that she will give consumers who apply for a mortgage with her on XXXX/XXXX/2017 and close in 2017 a {$1000.00} furniture gift card. It is so unfair for a consumer to be enticed like this, and it 's likely it would result in a higher interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed 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. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account and inquiries stated in this form.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2025, I paid off all of my loans with uplift. Unfortunately, my credit reports are not reflecting the account have been paid and satisfied or paid and closed. Each account is showing a balance
Product: Mortgage

I initially started the Mortgage process with XXXX XXXX XXXX, they sold my mortgage to Village Capital and Investment LLC. My monthly payment amount is {$1700.00} and I have never missed a payment or become late on payments. Despite this, every month I get hit with a {$15.00} late fee, when I call to ask why they say it's actually a reversal fee and to contact my bank. I've contacted my bank several times and they have only reversed it a couple times, so I set up my account to pull money from my savings to cover the discrepancy to prevent this. Since making this change, I am still getting hit with " late fees '' and being forced to pay extra and my last reversal was XX/XX/XXXX. On top of this, I've currently been on hold for 1 hour and 7 minutes waiting to talk to someone about this, again, because the automated system offers to press 1 and an agent will call back but they never do. 
I wish my mortgage had never been sold to this company, they are one of the absolute worse I have dealt with. They are scammers, liars and impossible to get a hold of and get answers from.
Product: Debt collection

Two separate companies have attempted to collect a balance on the same debt. The debt originated from XXXX XXXX XXXX. They have also reopened the collections so it will stay on my report. My credit report says the debt started in XXXX, but in reality started in XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting some of the discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams and charges to my account. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.