23daVinci/CFPB_Complaints huggingface dataset:
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 I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : 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 According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose.

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Debt collection

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it. )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act has violated my rights. XXXX XXXX XXXX  Closed on XX/XX/XXXX XXXX XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX CARD SERVICES Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARDClosed on XX/XX/XXXX, XXXX CAR Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXX, XXXX XXXX  Closed on XXXX XXXX, XXXX, XXXX Closed on XXXX XXXX, XXXX XXXX XXXX  / XXXX Closed on XXXX XXXX, XXXX Bankruptcy XXXX Bankruptcy 1852450 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 card

I have a BestBuy Citi credit card that allows for carrying interest fee promotional balances. I monitor this closely to ensure I pay it off before interest would be charged. In XX/XX/2025 I made the regular recurring payment of {$200.00} which left a {$90.00} balance on a promotion due in XXXX on the XXXX. I went into the Citi BestBuy website to ensure I paid and additional {$100.00} to that promotional balance. I made sure there was no minimum payment due as I knew they would pull that first. I pad the {$100.00} and checked a couple days after that the promotion was closed and there was no interest to be charged. I then update to ensure the next monthly payment would be allocated to the next promotional balance. I'm now being told because I checked that next promotion in the same cycle as I had the previous promotional allocation they were able to take the {$100.00} paid and re-allocate it across XXXX promotions thus being able to make sure they could get {$270.00} in interest from me. I had no idea that after clearing the first promotion I had to wait till the end of a cycle before selecting the next promotion or they could defraud me by reallocating and being able to charge me this interest.
Product: Debt collection

Company stated the information was verified and accurate but did not provide original documents with my signature.
Product: Mortgage

My wife lost her job and we applied for a mortgage modification. We made the XXXX months of payments and were given the final mortgage modification agreement to sign. My wife since losing her job took a job with XXXX XXXX XXXX in XXXX XXXX. 

PHH states that they can only accept notarized paper signatures I submitted a document with notarized e-signatures and was told that I would have to have my wife mail a document from the village she is in to the US to get this modification accepted.
Product: Debt collection

I am XXXX XXXX XXXX and have been medically retired on a fixed income since XXXX. I do not have loans or credit cards. I have received a collection bill from somebody called Hunt & Henriques XXXX but can't get through on the phone number. When I googled them they had a different address than the one on this bill. They claim that I owe them and XXXX XXXX XXXX {$3400.00} and no I do not. They either have the wrong person or have stolen my identity so now I have made a police report.
Product: Checking or savings account

My direct deposit is not available in my Capital One checking account. Usually my funds hit my account on Thursday, which is a early deposit courtesy that Capital One offers it's customers. But my job 's actual deposit day is on Friday, today, XX/XX/XXXX. I still haven't received my deposit as of XXXXXXXX XXXX today. I have been on hold trying to speak with a representative for more than XXXX hours now. I received the below email from Capital One on XX/XX/XXXX at XXXXXXXX XXXX stating : Valued customer, Starting XXXXXXXX XXXX XXXX, Capital One began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers. 

Specifically, this has delayed processing of some transactions including direct deposits and Early Pay credit for direct deposits, as well as electronic payments and transfers ( ACH ).

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. You will be able to see those deposits and other transactions after they have posted by visiting us online or through the Capital One Mobile app. For additional servicing assistance, please call us at the number on the back of your debit card or visit a Capital One Branch or XXXX. 

As always, we appreciate your business and apologize for any inconvenience that this disruption has caused you. We assure you that we are taking this event very seriously.
Product: Checking or savings account

On XX/XX/year> I received a text message from XXXX  XXXX XXXX XXXX department asking if I authorized a check to be withdrawn from my account in the amount of {$790.00}. I said no and it told me to call them. I called Bank of America and spoke to someone in the fraud department who said that the XXXX XXXX department had blocked the check from being taken out of my account. I told him it was not me. I did not do it, and he said that I would be fine that they blocked it and the money wouldnt be taken out of my account. Fast-forward XXXX hours later and the check was taken out of my account and now my account is- {$390.00}. I called back and now theyre saying they have to file a claim and it could be XXXX  days until I get my money back. I want my money back now. I told him it wasnt mine and they assured me that the money wouldnt come out of my account after I spoke to someone on the phone directly and they still let it come out of my account.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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 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 XXXXXX/XX/XXXX
Product: Debt collection

We got a call at about XXXX XXXX on Friday, XXXX XXXX. The debt collector was calling from XXXX. He called to ask about XXXX XXXX, and also asked if we thought she could ever put our house as collateral. This alarmed my mother and I, as it gave us the impression that our home had been illegally placed as collateral on a loan. I asked the caller to identify himself ; he said his name was XXXX XXXX and was calling for LTD financial services. As a result of this call I ended up divulging phone numbers for other members of my family out of fear.
Product: Mortgage

My loan was originated and serviced by united wholesale mortgage from XX/XX/XXXX until XX/XX/XXXX. my loan was purchased for servicing by Chase Home mortgage on XX/XX/XXXX. the letter for servicing stated that none of my loan details would change. however, they have since changed the monthly amount of my PMI ( increased ). and my loan had an escrow waiver. my taxes are on auto pay and due quarterly. next payment was due XX/XX/XXXX. the payment was made by me on XX/XX/XXXX. noticed i had an escrow advance on my account with Chase, and increased my balance by the amount of quarterly taxes ( XXXX ). Chase told me that they have the right to pay my taxes since they have ownership interest in my home and said they can not refund me my money. they are opening a case about it. they unethically and unlawfully spent my XXXX dollars without my consent. i have never signed a document for chase mortgage. in essence chase mortgage has robbed me and doesnt own up to it or look to help out in any way.
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 ( 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 and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, A 90-day late payment was filed against me last week from XXXX XXXX  that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to XXXX XXXX  ( ALSO KNOWN AS XXXX XXXX  XXXX. I had reached out to XXXX  XXXX, and they stated that my loan was in fact sold to XXXX XXXX  back in XXXX/XXXX  and I should have received a notice from XXXX XXXX  also and provided me with XXXX XXXX  account number. I had reached out to XXXX XXXX  on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. 

- The representative from XXXX XXXX  had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXX XXXX is XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The correct city should be just XXXX, and the correct zip code should be XXXX. 

- The representative from XXXX XXXX  had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. 

- The representative from XXXX XXXX  had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in 7-10 business days. I have not yet received an update on the dispute result. 

- The autopay Ive setup with XXXX XXXX was never carried over to XXXX  XXXX  which results in the late payment and since XXXX  had the incorrect contact and mailing address I was never notified. 

- No email/letter/phone call was made from XXXX  XXXX  regarding the selling of the loan to XXXX XXXX  - No email/letter/phone call was attempted by XXXX XXXX  regarding the purchasing of the loan from XXXX  XXXX. 

- I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX 

- I have filed a dispute with XXXX and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a 90 days past due balance and nothing was fixed, my credit score is still at XXXX. 

- All three credit bureaus should have the 90 days past due from XXXX XXXX XXXX  removed and my credit score should be back to XXXX points. 

- XXXX still shows my balance with XXXX Open. with 90  days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. 


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

I am a victim of the recent data breach please remove and block these accounts due to the recent data breach
Product: Money transfer, virtual currency, or money service

I am feeling a complaint against cash app ( Block , Inc. ) Due to inaccurate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash at field 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 era resolution requirements under the Electronic Fraud Transact ( EFTA ) and regulations E. These ax and have cause significant inconvenience and financial loss, and appropriate redress for these violations.
Product: Debt collection

Lending Club Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently discovered that I am a victim of a data breach, and unauthorized access to my personal information has led to the reporting of fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these entries be blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : 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 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  As these accounts and inquiries were the result of unauthorized access to my personal information due to the data breach, I respectfully request that they be immediately blocked and deleted from my credit file in compliance with the Fair Credit Reporting Act.
Product: Checking or savings account

Hello My name is XXXX XXXX. 
XXXX I used " Chime '' financial institution to pay for a stay at a hotel, called, " XXXX  '', XXXX XXXX XXXX XXXX, XXXXXXXX XXXX 

The cost of the stay was {$110.00} for XXXX night from the XX/XX/2024XXXX but I was charged an extra {$100.00} which total {$210.00}, that was taken from my Chime account. 

I placed a Dispute in on my behalf at Chime on XX/XX/2024. The representative of Chime reached out to " XXXX '' who stated that they would not be giving me the money back. It was then the dispute was filed on XX/XX/2024. 

" CHIME '' have confirmed ( By several Managers ) that the extra {$100.00} has been taken from my account, but the money have not been placed back into my account. 
I was told that the money would have been accredited back into my account on XX/XX/2024, however it was not. 

I called to see what happened and I was told it was placed in the wrong " category '' that made it ineligible for a {$100.00} credit, so they " recatorgorized '' it at that time, to put in the proper category. 

I was then told, in which they stated that if it was not resolved by XX/XX/2024, it would be credited back into my account, however I decided to check on the dispute following that, just for updates, and the dispute was denied, upon speaking to a representative i was infomed of it. 

After finding out that it was denied, I questioned for what reasoning, when it as evident that the money was missing, I was told that it was " reopened '' because it shouldn't have been closed because it is obvious the money was taken and it was unauthorized, as I stated. 

I was also informed that it would take up to XXXX  days to resolve, when it states in the dispute per my claim, that it takes XXXX Business days. 
Seeing that my dispute has been restarted XXXX  times, it has exceeded that time frame and prolonged. 
My concern is that the investigation has restarted XXXX different times and the problem is still not resolved. 

I do NOT have money to give away and neither do I have time to continue waiting for it to be credited back into my account, it is going on a full month since the dispute. The merchant is not returning the money so it is unclear why Chime have not given me the money back. 

I have been getting the runaround pertaining to my money that I entrusted with this XXXX XXXX. My money as a consumer and customer of Chime is covered under the " FDIC '', which is another reason why I do not understand why my money has not been returned to me, after confirming the unauthorized charge and the merchant is in Non-compliance with the investigation. 
Today is XX/XX/2024 and I have not received my {$100.00} back into my account.
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau EXPERIAN has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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. 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 XXXX years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request delete the not authorized hard inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I uploaded and mailed an Identity Theft report along with a personal handwritten letter pertaining to my complaint pursuant 15 USC 1681 C-2 ( Identity Theft/ Block ) with all required prerequisites for blocking. Experian claims they did not receive an upload even though the system upload was successful. Several accounts were listed as fraud and 86 addresses as well as 4 different social security numbers. This is nothing more than a refusal to comply and a stall tactic. Therefore, I am requesting all accounts identified as fraud related be blocked immediately according to federal law. XXXX XXXX rejected the process to initiate a claim with documentation being received. They stated the information was not sent by me, even with personal handwritten letters. XXXX has extorted all documentation that was included with my packet, including my personal identification such as Social Security Card and Drivers License.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is furnishing deceptive information to TransUnion XXXX XXXX. The account is reporting inaccurately and this information is damaging my consumer report and hindering me from getting credit. TransUnion and XXXX does not have my written or expressed consent to report my private financial information XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX finance has reported my balance incorrect since XX/XX/XXXX showing I owe XXXX the amount I purchased the car at, can this matter be updated correctly, as they haved reported on time payment 's every month but the balance does not reflect that. ( Year XXXX XXXX ) also I have attempted to get this matter resolved with them, and unable to get this understood. 
I was giving a reply they charge a interest per day this just does not seem correct
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # 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: Debt collection

Credit Bureau made aware I was a victim of identity theft of which the listed items reported may be a result. I have no knowledge of these accounts as they are listed with account numbers and I have never done business with CCS collection company. 

Desired Resolution : Delete & Block item/items immediately pursuant to Section FCRA law section 609