23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX a direct deposit was sent to my chime account from my employer of which I move {$2000.00} to my checking account with XXXX  XXXX XXXX I further get a message that the funds will enter my XXXX  account within 1to 3 business days. Today the XXXX I went to XXXX  XXXX XXXX to see if the funds is processing and they say they dont see any pending transfer to my account so I called chime customer service to get answers. The first person I spoke with ask for all necessary information to confirm that am the owner of both and I provided all his desired answers but he cut the call. I call a second time and i get him again but as soon as he identified it was me he hang up again. This happened 6 times with different people but they all hang up as soon as the recognized its me and I suspect something is going on with my {$2000.00}. Please help me get bi my money
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately :. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/CreditoXXXX for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account XXXX : XXXX Account unknown how do you verify this information this account is in violation it was reported without valid evidence
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 proce 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 financial loss, and I seek appropriate redress. & for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information regarding the XXXX XXXX account that appears on my credit report. Despite disputing this information on XX/XX/year>, the inaccurate details remain on my report. 

The account in question is : XXXX XXXX XXXX XXXX XXXX  The information being reported is incorrect. I kindly request that this account be fully investigated and removed from my credit report entirely, as it is inaccurate and unfairly impacting my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the accuracy of the information reported and to investigate disputes within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XX/XX/2022 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 account without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/2025 I observed my Experian report had many inaccuracies of information including dates along with accounts that do not belong to me. Experian is in violation with my consumer rights on all the accounts mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously written to Equifax concerning XXXX and their inaccurate reporting of my information. In the investigation, Equifax stated they verified all the information is correct yet the account for XXXX has been charged off since XX/XX/2020. Equifax did not verify the information was correct nor did XXXX. XXXX has an account, XXXX under the name XXXX XXXX XXXX and the address the account is linked to is XXXX XXXX XXXX, XXXX, CA, XXXX. On my Equifax credit report, my name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, Ca, XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX and Equifax both violated the correct reporting. The name nor address match on this account and both falsely claimed they did a full investigation, if they did, they would see that the name and address are not the same on the account as it is on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I canceled my debt collection program with Freedom Debt Relief due to hidden fees. I was aware of a {$12.00} fee, but was not aware of the additional fees for a monthly service fee {$9.00} and a settlement fee of {$370.00} for just reaching a settlement with the debt collector. Total monthly fees for {$400.00} for XX/XX/2020. FDR is full of lies and should not be doing business in the United States.
Product: Credit card or prepaid card

I applied American Express XXXX XXXX and Delta Sky miles Platinum Credits card. After I spent enough money in my credit cards in 90 days. They refused to give my rewards. Different CSR said different reasons. But after three month, I didn't get any notification about refusing my welcome bonus. They said that my account declined my bonus on the first week. But I don't know at all. I tried to contact them many times. But no one can give me a real reason. Also, I don't have pop window at all when I applied my credit card.
Product: Credit card or prepaid card

I utilized my Home Depot credit card, as I received a coupon that offered special financing. All of my purchases were made before the expiration date listed on the coupon. 

Citi Bank / Home Depot Credit Card Services doesn't want to honor the special financing - they advertised.
Product: Mortgage

The company, Nationstar Mortgage purchased our Mortgage last summer ( XX/XX/XXXX ). In XXXX, our payment dropped down, as the insurance policy had been paid, which had been carred through our formal lender, that sold our note to Nationstar. In XX/XX/XXXX, we began to look for the notice of the new Policy, in XXXX, we asked on the phone. We were told there was no policy in place and our payment was the same. $ XXXX/month. We asked again in XXXX, and in XXXX, with the same result. In XXXX, however, we received a notice that they had, infact, placed a Hazard policy in XXXX, and now want $ XXXX/month. We immediately sought and found our own policy. As well as notify Nationstar of our intent to do so, To my Astonishment, I was told they had paid for this policy with no notice to me at all, until three months after the fact. I still dont know if they will accept of refuse to accept the policy I have acquired. I do know they are not applying our payment to the mortgage note, as it is not the {$720.00}, they want. They have accepted the payment, and cashed the check, but they have placed in a holding account, rather than apply it to our note. I have found the following Link, for your convenience, concerning the consumer protection act in regards to this particular topic. You will find, about half way down the page, in section ( c ) requirements before charging the borrower .... Please help me keep our home. ( Please note : today, XX/XX/XXXX, I have established the online access with Nationstar to obtain documents to send with this complaint. I see in the statements, below the amount due section, which still shows the {$470.00}, and is what my husband saw, and called in, and was confirmed as the actual payment due, these statements show the hazard policy amount appearing in XXXX. Still, there is no advance notice of this purchase that I can find. )
Product: Debt collection

Calling me back to back to back, different days of the week first thing in the morning. Why are you calling anyone at XXXX as if thats going to get them to want to talk? I use my phone for work so it gets really aggravating when Im on a call and i get continued calls. Then I answer to tell them to stop, and theres radio silence. I call back and they just want me to confirm my identity over and over for me to tell you to stop calling me? No, what youre doing is actually illegal. Finally blocked the number, but Im sure theyll call a different way.
Product: Credit card or prepaid card

my relia card account has been locked for a week..i have bills to pay and kids to feed ... i need my account unlocked ASAP
Product: Vehicle loan or lease

I had a loan for a car through Ally Financial. I paid my loan off on XXXX. After many attempts to receive my title I have now learned that they issued my car title to another customer, a car dealership in North Carolina. I have been reaching out to the customer service department weekly trying to resolve issue but I'm not getting anywhere. I have filed a complaint with the XXXX  which elevated my customer service level but still nothing and now they are not returning calls. Last returned call XXXX in customer service stated that she doesn't have an answer to fixing this issue.
Product: Credit reporting or other personal consumer reports

I lost my debit card and social 3 years ago and cant open good banks because thiefs opened up every account in my name and deposited checks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair credit reporting act 15 USC 1681 and fair collection practices act 15 USC XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602A states : I have the right to privacy. 
XXXX USC 1681 section 604a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 section 805a states : a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.

15 USC 1692 section 805a section 3 states : at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer for receiving such communication.

15 USC 1692 section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy abuse or harass any person at the called number.

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 antidates the report by more than seven years.

15 USC 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Account are listed below : XXXX XXXX, Self Financial, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021 I applied to refinance my current balloon payment loan with Loan Depot loanDepot.com, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX loan # XXXX. I have summited all the required documents including payment for the appraisal that was completed back in XXXX. During the process Loan Depot misplaced documents, oversaw detail of the title of the property as a result the loan process got delayed. Since my current loan is a balloon payment that expired in XX/XX/XXXX my current lender will no longer accept monthly payments as they are expecting a full loan payoff. It is now XX/XX/2021 and my loan continues to be under a conditional approval. I have contacted the loan officer, loan processor, loan processing manager and production manager and no one has replied to my request to know the status of the loan. As a result of the delay I am now in jeopardy of facing foreclosure. 
XXXX XXXX Licensed Lending Officer NMLS  # XXXX XXXX XXXX XXXX Account Manager XXXX XXXX XXXX Production Manager NMLS # XXXX XXXX XXXX Processing Manager
Product: Debt collection

Howard E. Schiff Law Firm in Connecticut emptied my Checking, IRA Savings, and Child support bank accounts yesterday totaling over {$3000.00} leaving me with {$0.00} dollars. I am a single mother taking care of a minor child ( XXXX year old daughter ). I was not served any papers, I was not notified of what even the debt was for. My attempts to get the money back from the firm have failed. I need immediate assistance in this matter. 

XXXX XXXX
Product: Debt collection

IQ data contacted my mother, they never sent any mail, did not attempt to contact me directly, and did not tell my mother that the call was due to a collection. Therefore I was never notified in any form as to me owing a dept, my options to dispute it or anything pertaining to verifying the debt. The only contact I had was when I reached out to them with no knowledge of who I was calling and what the matter was about and have not received anything since pertaining to this said collection. They now will not comply with my request and terminate all phone calls I make in attempts to handle the matter.
Product: Debt collection

Several debtors trying to collect debts for claimed medical related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over 3-4+ years however the debtor is also reflecting the account/charges were just recently opened 5 months ago?
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX and Experian. XXXX, XXXX and Experian has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry on my credit report that is being reported by XXXX. This late payment is inaccurate, and I request their immediate removal under my rights granted by the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws. 

The account was suddenly closed by the Creditor in XX/XX/year> and reported 30 days late as of XX/XX/year>. 

Basis for Dispute : Violation of 15 U.S.C. 1681 ( a ) The Fair Credit Reporting Act requires that all information reported to consumer reporting agencies be accurate, complete, and verifiable. I demand documented proof that these late payments were correctly reported. If the furnisher can not verify the accuracy of the reporting, these late payments must be removed.

Violation of 15 U.S.C. 6801 The Gramm-Leach-Bliley Act ( GLBA ) mandates that financial institutions ensure the security, confidentiality, and accuracy of consumer financial data. I have reason to believe that my data may not have been handled with the necessary diligence.

Violation of 15 U.S.C. 1692c ( c ) The Fair Debt Collection Practices Act ( FDCPA ) establishes that consumers have the right to dispute and request validation of any alleged debt. I demand validation of these late payments, including a copy of original payment history and proof that I was properly notified per the terms of my agreement.

Violation of 15 U.S.C. 6802 Under the GLBA, financial institutions must provide clear notice to consumers regarding how their data is being used and must ensure proper security. If there were any miscommunications or errors in reporting, these late payments must be deleted as they were not properly disclosed or verified.

Request for Immediate Action : Please provide full validation and evidence of these late payments within 30 days. This includes a signed contract proving I agreed to the terms, payment ledger documentation, and proof of notice before reporting derogatory marks.

If the information can not be fully verified, I request that all late payment entries be permanently removed from my credit report across all bureaus ( XXXX, XXXX, and TransUnion ). 
I request confirmation of this correction in writing. 
Failure to comply with this request may result in a formal complaint to the Federal Trade Commission ( FTC ) and possible legal action. I appreciate your prompt attention to this matter. 

Sincerely, -Rajiv Removal of negative late payment mark on Credit report.
Product: Mortgage

I am in forbearance plan for a bout a year now. 2 months ago I asked my mortgage company to do loan Modification for me and they denied my application. I want to resume payment but I cant afford the current monthly mortgage and loan Modification will be the best option for me. 

XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NC XXXX Mortgage company : caliber home loan Account # XXXX
Product: Credit reporting or other personal consumer reports

FedLoan Servicing has placed on my XXXX report a loan for {$39000.00} which was discharged through a class action settlement XXXX XXXX. I have tried contacting them number is not good. Should not be on my credit report
Product: Debt collection

I have filed for Identity Theft a few yrs back when my luggage was stolen in XXXX, GA. I and have disputed these accounts for several years but still no one have resolved the issue as of yet. Its preventing me from moving forward with purchases as well as preventing me from purchasing a home. I have incorrect street addresses, fraudulent accounts, and incorrect job information. I was incarcerated during a few of these years that have dates of the initial loan disbursement. If you could please bring some type of resolve on my behalf so I can finally begin to live without getting harassed by the bureaus for some accounts that doesn't even belong to me.
Product: Checking or savings account

I received a text message fraud alert on XX/XX/2021 for {$2.00}. I logged into my BofA app to confirm if the text message was in fact providing correct info. Upon logging into my BofA account I was promoted to the suspicious out of state {$2.00} charge. Since the data matched I ended up calling the BofA phone number provided in the text alert XXXX. I was informed by the agent that my account was hacked and linked to someone elses XXXX account. I was sent a verification text code which I was informed would break the bogus XXXX account. I was also informed that {$2600.00} was transferred from one of my checking outs and {$300.00} from another. To get my money back the agent had me transfer {$2600.00} to myself via XXXX and {$300.00} via XXXX to myself. After completing the transfer I asked the agent why I had to transfer money back to myself and thats when the agent hung up. Afterwords I called BofA fraud department using a phone number I located on BofA web site. I was informed that I was scammed. The {$2600.00} and {$300.00} funds at that time showed as processing however the rep said they couldnt do anything to terminate these transactions. According to my research that might not be true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making my payments on time for last several years by My XXXX XXXX billpay. Recently I began receiving several calls from you. 
I called today to find out the problem. I didnt think it was the payment because I knew I was sending the payment every month. The representative told me that I sent in The wrong amount. I did NOT receive anything telling me the payment had changed So I continued to send the usual payment OF {$980.00}. I was told that the payment had changed for the XX/XX/2018 payment from {$980.00} to {$1000.00} a difference of only {$72.00}. I did NOT get anything in the mail ; it may have been lost. I get other peoples mail in my box all the time.I spoke to XXXX in the Escalation Dept. # XXXX who payment to cure the shortage. 
. I have now corrected by billpay to reflect the current Monthly amount of {$1000.00}, which will be sent going forward. 
Please exercise your discretion under the circumstances and waive any late fees and correct my payment history.