23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In relation to my previous complaints from earlier this month, Equifax Credit reporting bureau has given me an explanation claiming that they did an investigation internally as well as reporting that there was NO CREDIT FREEZE on my credit report. Upon review my credit, yet again, the statement as well as the placement of items disputed were still under the provisions of my credit report and the items that can not be identified. According to an updated screenshot on my XXXX, there is STILL a freeze that I reported from XX/XX/2023 from a previous dispute and identity theft request made around that period. Due to the nature of the information that wasnt provided and the proof from the claim when I checked my credit reporting via the XXXX XXXX ( which is indeed a validated and official record of credit reporting supported by their credit reporting agency and does reporting on behalf of Equifax and XXXX ) there have been no updates and the statement is still recorded on my credit report. Because they failed to provide notice, documentation, and validation of all my inquiries, they violated my rights again and have failed to provide information as I have requested. I am still undergoing legality issues in regards to my credit report and identify from XX/XX/2023 and the fact that there is no documentation to support their hearsay and what their investigation is proclaiming and none of which was provided to me is violation of my FCRA rights.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit report, I discovered that I am a victim of identity theft. My identity has been fraudulently used to try to gain credit. I have attached a list of these accounts and the inquiry dates for your reference. These unauthorized inquiries are negatively impacting my credit score and hindering my ability to purchase a home for my family. I request that these inquiries be deleted from my credit report as they do not belong to me and are the result of identity theft. Your prompt attention to this matter is greatly appreciated as I am in the process of buying a home for my family. Thank you for your assistance. 

XXXX XXXX inquiry date XXXX XXXX XXXX which shows on my credit report multiple times on the same date Inquiry date XXXX XXXX XXXX XXXX Inquiry date XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

credit bureaus reporting inaccurate information on me ( see attachment )
Product: Credit card or prepaid card

I cash ( XXXX XXXX  ) app 'd myself {$200.00} to my personal bank account. When trying to obtain a cash app card. I put a mailing address as well as my ssn, date of birth and the name I want on the card. I got a message about incorrect information but only asked again for my ssn, dob and name on the card and this is after doing a bank verification through the app. They turned around and closed the account with no specific information as to what was violated on a brand new account with only 3 inquiries on it. I called and spoke with 4 reps and for whatever reason I got a very generic response and then hung up on. I actually spoke with 5 people the last person stated that the account was not verified which is confusing cause in order to cash put to my bank I have to verify it and I also have the email and text msg for the code.

I have more than one email. This cash app is attached to XXXX with a permanent email of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint against Citizens One Home Loans for improper management of my Mortgage Account and my Mortgage Balance that is paid on time all the time. Now Citizens One is messing with our excellent Credit History on both my wife 's credit report and my excellent credit reports. Citizen One Home Loans is saying I am late with my Mortgage Payment. In close to 30 years of owning a mortgage I have never ever been treated like this by a mortgage company. They are now affecting our lively hoods with their false statements and lies. I have a bank history of payments that are paid religiously on time, every time the mortgage payment is due. Now Citizens One Home Loans has improperly lied and reported my wife and myself for their own accounting issues and their mistakes which is costing me time & money. 

I have reported them to you for their unfair documentation and their false monthly statements. I can prove to you with my banks history of my payments that I do not owe anything past due. I need your help to hold Citizens One accountable for their accounting mistakes and their false statements. I can't afford an attorney right now to sue them for damages as this is my work slow season right now. I have a bank payment history to prove they are the liable party here. Please help me save my wife 's and my our excellent credit history from being destroyed by this horrible mortgage lending company. Please " Do Not '' let them get away with their bad customer service and their illegal accounting practices. They need to be held accountable for their illegal actions.
Product: Money transfer, virtual currency, or money service

My computer was hacked on XXXX. An official-looking message took over my screen and I could not work the keys on my computer. I believe it provided a number, which I called and talked to a man who said he was with XXXX. He referred me to what I thought was the Theft and Fraud Dept. of XXXX XXXX XXXX 

Another man, who said he was with the Theft and Fraud Dept. of XXXX XXXX XXXX  told me that my computer and cell phone had been hacked, that I was not to call anyone, that the funds in my two personal and three ministry accounts at the bank were in jeopardy. I was told to leave immediately and withdraw {$30000.00} in cash, then directed to a XXXX machine, and he walked me though steps to set up a XXXX wallet, which I thought was secure, and deposit the money. From XXXX XXXX XXXX I withdrew a total of {$260000.00} cash from my XXXX XXXX Accounts and two XXXX XXXX investment accounts and put it all in four different Bitcoin machines at these addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The man who said he was with the Theft and Fraud Dept at the bank called XX/XX/XXXX and told me to have my son come over. My son came, I called the man and he told me to hand the phone to my son. He told my son I had been hacked, threatened me and said not to go to the police. 

We immediately went to the XXXX, XXXX  Police Department and filed an official report with intent to prosecute. XX/XX/XXXX we opened new accounts at the XXXX XXXX XXXX ; we will close the other accounts as soon as pending transactions clear. My son called the secret service, who referred us to the Victim Resource Center, and they referred us to this agency.
Product: Mortgage

Hello, I am trying to have my mortgage lender process a XXXX XXXX XXXX XXXX XXXX XXXX. 

My lender is Freedom Mortgage. Freedom Mortgage is not acknowledging that this process exists, providing in anyway. 

I believe they are deliberately denying my requests in their own interest. 

A release of liability for an existing XXXX XXXX XXXX XXXX XXXX XXXX mortgage is my legal right as a XXXX My lender is violating my rights and not upholding the laws and procedures of XXXX XXXX Mortgages.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices to be unfair and request an investigation into my account transactions.
Product: Debt collection

Company - XXXX Amount - XXXX 15 USC 1692c ( c ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt or want the debt collector to stop communicating with them, the debt collector must stop communicating with the consumer about that debt. Please remove from credit report or I will be taking legal actions.
Product: Checking or savings account

On XX/XX/2025 at approximately XXXX a.m. I contacted Navy Federal Credit Union by calling XXXX to discuss about XXXX recent transactions with the amount of XXXX and posted on XX/XX/2025. The transaction is described at XXXX XXXX. Prior to calling this bank on XX/XX/XXXX, I called the bank on XX/XX/2025 and spoke with XXXX XXXX or XXXX about this. He stated that the XXXX transactions went to the credit card. I told him that the money deposited from financial aid was supposed to pay for college. He advised me to call back on Monday, XX/XX/2025 because the credit department opens at XXXX XXXX XXXX XXXX. Moving forward, when I called the bank, I spoke to XXXX XXXX or XXXX and she stated that they will take out XXXX dollars return the rest back. However, last year sometime during the summer, the bank and I had an agreement that I will pay XXXX dollars for the XXXX credit cards monthly. Therefore, someone at the bank decided to transfer the XXXX XXXX  money, the XXXX XXXX directly to the XXXX credit cards even though the agreement was XXXX dollars each. Additionally, it happened without any notification. Someone from the bank decided to make decisions with power of responsibilities into their own hands. Please help as i intend to use the XXXX XXXX money for college in good faith. I have a remaining balance that needs to be paid.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfers 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

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Kia Finance America have not provided me with my Financial Audit that I have requested on several occasions. XX/XX/XXXX I was informed by a Kia Representative that I was behind on my car loan and I had to pay double for the month or my car will get repo. 
I inturn paid around {$1200.00} two months ago XX/XX/XXXX. 

I also made my XX/XX/XXXX payment of {$670.00}. I called Kia Finance to make my XXXX payment around XXXX XX/XX/XXXX couple days ago and the representative informed me that I had to pay {$1600.00} or my car will get repo. 

I informed the representative this is not adding up. When I stated making payments on my car loan dated around XX/XX/XXXX which is two years ago my finance total balance was around {$34000.00} including financing. 

Within two years I have paid well over {$18000.00}. Kia Finance America will not take my XX/XX/XXXX payment of {$600.00} and informed me that if I do not give them {$1600.00} my car will get repo. I notice within the last two months they have been given me a hard time. My current payments to include XXXX and XXXX have total over {$1800.00}. 

I again informed Kia Finance America my monthly payment is {$600.00} however ; they have been charging me well over this and threatening to take my car although I have been making payments. 

I informed Kia Finance America for the third time I needed to file a complaint and need an audit and investigation on my account. They have yet fell to provide that information. I am a XXXX XXXX Military Veteran and this Financial matter and mishandling of my funds on Kia part is really aggravating my military XXXX. 

Kia Mishandling of my account has affected my credit score tremendously and my mental state! 

Please help me in resolving this matter. My car is a necessity as well because I depend on this to get to my Veterans Doctors appointment and etc. I am currently unemployed and use my VA XXXX check to make my car payments. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Email : XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Wells Fargo after receiving a message on my online banking platform indicating the impending closure of my credit card. Seeking clarification on this sudden development, I reached out to Wells Fargo to obtain further details. To my surprise, I was informed that the closure was due to a business decision related to fraudulent activities.

Oddly enough, just two weeks prior to this incident, Wells Fargo had informed me in person at their teller line that my checking accounts were also being closed. Upon contacting Wells Fargo about the closure, I was once again informed that it was a business decision made by the bank. The reason behind this decision, it seemed, stemmed from a fraud case my mother had experienced in 2021, which directly impacted her Wells Fargo accounts. She had taken the necessary steps, including filing a police report and gathering evidence, to address the fraud that was being perpetrated on her accounts. Unfortunately, the perpetrator had managed to withdraw funds from her bank account. 

Around two months ago, I had added my mother as a joint account holder on one of my checking accounts. Due to the extensive fraudulent activity associated with my mother 's accounts, Wells Fargo decided to close her checking accounts as well. In an unexpected turn of events, their decision to end their business relationship with my mother also affected me, despite the fact that none of my accounts had ever been involved in any fraudulent activities.

The situation has left me perplexed and concerned, as it seems my account closure was a consequence of Wells Fargo 's broad response to my mother 's unfortunate encounter with fraud. I am currently seeking further clarification from Wells Fargo in order to fully understand the reasons behind their actions and to address any potential misunderstandings or miscommunications that may have occurred.
Product: Debt collection

I was checking my credit through   XXXX   XXXX   and had to accounts pop up that are not mine. It was Common wealth financial systems. The original creditor on this bogus or fraudulent account is  XXXX    XXXX   XXXX  . I have no information on this account .Have not used there services. Have no idea how they got my information. This is not my debt. There where  2 accounts one  was for  XXXX  dollars and the other was for  XXXX  dollars. I 've sent direct disputes on  XXXX  and  XXXX . I 've tried to call common wealth financial systems with no luck it 's always automated and always keeps you on hold.
Product: Checking or savings account

Subject : Urgent Complaint Regarding Account Restriction and Lack of Assistance To Whom It May Concern, I am writing to express my extreme dissatisfaction and frustration with the lack of assistance and resolution I have encountered while dealing with the issue of my restricted account at Chase. 

My account was inexplicably restricted due to a mobile deposit check from my school, which the bank deemed suspicious and unrecognized. Despite my attempts to explain the situation, I have faced insurmountable obstacles in seeking assistance to resolve this matter promptly. The check in question was part of communications I had received from my school regarding payments, and I trusted these correspondences as legitimate. However, it appears there might have been a misunderstanding or, worse, a fake email, leading to this unfortunate situation. I have spent hours on calls with Chase representatives, tirelessly trying to explain the circumstances and requesting their help in rectifying this issue. Regrettably, the support I have received thus far has been inadequate and unhelpful.I explicitly asked for assistance in removing the suspicious check or finding a way to mitigate the situation, but nobody has shown willingness to help or provide a feasible solution. This situation has caused me immense stress and inconvenience. As a customer, I expect timely and efficient support when facing such critical issues, especially when I have taken immediate steps to address and rectify the problem. I implore Chase to take this matter seriously and urgently. I request immediate action to investigate this issue thoroughly, remove the flagged check, and restore access to my account without further delay. I trust that Chase, as a reputable financial institution, will prioritize customer service and resolve this matter promptly and satisfactorily. I look forward to a swift resolution and an acknowledgment of the distress this has caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus is required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

capital one recently closed my a/c ending in # XXXX = w/o legal justification, and w/o due process of law - my a/c was paid in full = the company attacked me because i am caucasian  and a supporter of president trump & because my skin color is XXXX = i was in full compliance with the terms of my a/c & they unlawfully retaliated against me merely because i am a XXXX  american = the company officials are XXXX against white americans
Product: Credit card or prepaid card

Long story short, I disputed 2 transactions because the service was not provided and for 1 I received the refund and the other one I didn't, my bank communicated incorrectly the issue with the second transaction and now the merchant says it's too late to dispute the transaction, this is clearly a communication issue from my bank and they have to fix it somehow, I provided evidence about my flight reservation cancelled on XX/XX/XXXX by the airline without a clear reason, I struggled so much to get a hold of them that I decided to engage my bank for help, they successfully communicated the issue for XXXX transaction, but they failed to do it for the second one. 

Please help me this has been the worst experience that I've had.
Product: Checking or savings account

Hello so i went to open a account at Chase Bank on XX/XX/2001 and presentenced all required documents then was asked for my social security and told XXXX XXXX that i didn't have one and that it was not needed to open bank account so he went to confirm with manger XXXX XXXX about it and they both returned to say that they will not open bank account because my social security was not given
Product: Credit card

a credit card was opened in my name without my knowledge. at the time the account was open i was a underage of having a credit card.
Product: Credit reporting or other personal consumer reports

I recently review my credit report and noticed an account that was not reporting accurately. I had two late payments on two accounts that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts have never been late on payments. I have attached a copy of my report to this complaint on the following dates, XX/XX/year>, and XX/XX/year>. I am now requesting you investigate these accounts and update these payments to pain on time immediately. Thank you for your understanding and prompt action.