23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX using CareCredit card, Synchrony Bank. Charges were made XX/XX/XXXX and XX/XX/XXXX for {$2500.00} by XXXX XXXX for XXXX  months. Charges were made by XXXX XXXX XXXX XXXX XXXX for {$1200.00} on XX/XX/XXXX and {$1100.00} on XX/XX/XXXX for 12 months. I received information from Synchrony Bank re payment giving a due date of XX/XX/XXXX while I was packing to go out of town. I had questions so I put the credit card into the envelope and took it along. I can not locate the card or the envelope now and the receipts I have only give last XXXX digits of XXXX. They want you to set up and pay online but this requires the whole account number. So, I called their customer service number regarding my questions and asked for the whole account number so I could set up bill pay, my bank and I select the day to pay. Said this required a different level of security and wanted a cell number. I declined, offered land line number or email for receipt of a code. I recently saw a video on billions made by companies sharing cell numbers with their " associates '' for their own marketing. I am trying to pay this bill by XX/XX/XXXX. How many calls come from individuals saying " I found somebody's CareCredit card and I want to pay on their account ''?? Why will they not provide the account number? To set me up for some late fees? Synchrony Bank needs to do better, or any customer service and I need some consumer protection from them. Please help. I am trying to pay. 

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

It says I have regular inquiries on best buy. Yet I have no connect to best buy
Product: Debt collection

Cavalry Portfolio alleges I owe them a debt of approximately {$1200.00}. Since XX/XX/year>, I have called and sent a certified letter requesting validation of this debt. XX/XX/year>, Cavalry responded with a letter essentially stating they are unable to investigate my dispute but failing to provide validation of the debt that I specifically requested. Furthermore, they are still reporting this collection account to the major credit bureaus despite not proving a debt is even owed nor that I am responsible for it.
Product: Mortgage

I made an XXXX Mortgage payment and it was taken out of my account on XXXX XXXX. Ditech refused to post it to my account and it 's calling and sending letters threatening with debt collection and late fees. I send them bank statement and proof from my bank and even had a three-way call with my bank, and Ditech still refuses to post the payment to my account.
Product: Debt collection

I opened a dispute to the credit bureau regards a debt reflected in my credit report " XXXX '' under the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX few days later I received a phone call from that collection company asking to pay off that debt. I told them the same that I stated to XXXX, I haven't heard from this company either about the debt, that I have a health insurance that pay most part of my bills and I always pay my copays on time. I mention this company was violating my HIPPA rights. I also asked copy of all the documents that this collection company claims I am in debt including the document they said I signed to waive my HIPPA rights. I provided them my email. I never received the promised email with all that information.
Product: Debt collection

I am the Victim of Identity theft and have filed an Identity theft complaint # XXXX with all 3 credit bureaus against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX about this account that is showing up on my XXXX credit report collection item in there for which does not belong to the above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX Reason number one why this collection item is not mine it's because on XX/XX/XXXX the above submitted a identity theft case with the Federal Trade commission 's office copy and closed, Reason number two is the above according to his credit file is XXXX and drawing Social Security which also means that the above is drawing full medical benefits identification information enclosed : XXXX XXXX XXXX XXXX XXXX  Health plan # XXXX Member : XXXX XXXX XXXX State assigned ID : XXXX PCP name XXXX XXXX PCP phone : XXXX Effective date XX/XX/XXXX And the above information states that with full coverage XXXX  they would be no reason for me to go to an outside source and generate a bill when I have full coverage insurance since XXXX when you verify this information please remove this collection item from each of your list, Reason number three as of XX/XX/XXXX and buy the request of the above the Federal Trade Commission also issued a identity theft alert with all three credit bureaus this charge from this facility is for XX/XX/XXXX is there for non valid under my identity theft alert request. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

so today i have finally viewed my consumer report for the first time in years and i have noticed so many fraudulent and negative information on my report that i have no idea even existed on my report. i never initiated any of these credit transactions. i would really like these things to be removed because i dont have a clue as to who put these things there. Inquiries from XXXX  XXXX ( XX/XX/XXXX, XX/XX/XXXX ), 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 ( XX/XX/XXXX ). My birthday is incorrect which should be XX/XX/XXXX. My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My name is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX needs to be removed immediately also because those accounts don't belong to me!
Product: Checking or savings account

My card was stolen from my mailbox and used to make purchases. The bank denies the claims and is offering no help. I need my money to pay my mortgage and car!
Product: Mortgage

Just discovered that we have been misled and lied to by Impac mortgage/Funding group who is the investor of our mortgage serviced by XXXX XXXX XXXX. Just yesterday I spoke with XXXX XXXX XXXX who assured me that the denial of the loan modification was actually made by Impac and not XXXX XXXX XXXX. Since XXXX 2016, I have been in contact with Impac Funding group and each time we were told and reassured that XXXX XXXX XXXX is the problem., by failing to send them a packet for Impac 's review Someone is not being truthful. We need this investigated because there has so many violations by both Imapc and XXXX XXXX XXXX. Impac carries the note and should be able to override XXXX XXXX XXXX but they have refused to do so. We have been charged an interest only loan which is illegal which will reset twice in six months. It was reset in XXXX 2016 and our payment increased {$1000.00}. from {$2900.00} to {$3900.00}. In XXXX the payment will be {$5800.00} which we can not afford. All interest only which is an illegal product.
Product: Debt collection

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Payday loan, title loan, or personal loan

I applied for and obtained a payday loan from skytrail cash. The amount of fees are well over the state of Floridas allowed interest for a payday loan and I have been taken advantage of. I have received multiple calls from them at my place of employment and advised they can not call but they continue to call. In addition I have received a threatening email that they will debit my checking account knowing full well ach has been revoked and I am not allowing them to debit my account and put it into the negative. I have more than paid for this loan with the amount of fees that I have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Multiple accounts showing on my report that do not belong to me from XXXX XXXX XXXX XX/XX/XXXX{$8600.00} XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX  {$1100.00} XX/XX/XXXXXXXX XXXX   {$800.00} XX/XX/XXXX AFNI {$590.00}XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$180.00}XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX{$0.00} balance
Product: Credit reporting or other personal consumer reports

The following fraudulent inquiries were made due to identity theft and I have requested them to be removed from my credit report. Trans Union has not removed these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/year> TransUnion These are not my accounts and I did not initiate these transactions
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXXutopay. 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 to be updated.

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.

EQUIFAX EXPERIAN TRANSUNION 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 1002 and It was never provided.

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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

Equifax data breach I have no a knowledgement of the XXXX XXXX account ending in XXXX
Product: Checking or savings account

Capital One Bank had an outage that occurred on XX/XX/2025 that did not let people access their direct deposits or be able to withdraw those funds. This has now spilled over to Friday XX/XX/2025 and still no direct deposit from my employer, and Capital One only says they are working on.
Product: Credit card or prepaid card

On XX/XX/2021, I made a payment on my XXXX credit card ( provided through XXXX XXXX ). I had intended to pay the minimum payment plus the late fee ( I was paying 2 days late ). The payment amount was intended to be {$100.00} but it was processed for the statement balance {$1100.00}. When I called to ask for a partial refund they said because it was not an overpayment they wouldn't refund my payment. The refund would not have put my account past due and would have still been more then my minimum payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudulent charge on my statement I called to fraud department to XXXX XXXX  company and they replied they will remove the charge from my account therefore no lateness should be on my report. 

Fraudulent charge shown up in XX/XX/XXXX Late payment date XX/XX/XXXX I uploaded all information like Dl, SSN and statement from XXXX XXXX XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX XXXX  promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the bankruptcy account with the Experian, and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software, such as e-Oscar, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I sent over proof that the Bankruptcy is a error and has been deleted from XXXX the third party vendor but Experian still reports wrongful information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus Experian and XXXX are violating my consumer rights as well as personal data is not safeguarded by these two bureaus, they are allowing a collection agency that bought a debt from mobile that, I never had, as well Experian and XXXX to validate this debt, they received 1 statement well over 45 days ago, after not received competent evidence that I ( XXXX XXXX ) handsome contractual obligation of any kind about the trade line, I have another30 days the 45 days that was notaries and sent certified mail to the bureaus and the so-called collection company ( XXXX XXXX XXXX  acct # XXXX in XX/XX/2022 to now. Nothing has been produced. I have also explained that my data is being sold and that can't get a police report without a contract and a copy of # id and signature to report identity theft.
Product: Bank account or service

Regions Bank continues to charge my account for overdrafts when the funds are available. If there are enough funds for the charge but, others are pending they charge my account leaving it negative by less than what the NSF charges are. They are unethical when it comes to the fees.
Product: Credit reporting or other personal consumer reports

Transunion will not allow me to login to my credit file. I have tried to reset my login information and its website will not function to let me do this. I previously filed a complaint with the CFPB and Transunion emailed me a temporary password to use to correct the login error. The password they sent me was an invalid one and would not allow me to reset my password. I can not access my credit file at Transunion as a result. I have had no issues with either XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted challenge letters to Experian for XXXX accounts over 30 days ago and did not get investigation results in a timely matter requesting XXXX accounts be removed from my credit report immediately. 

Target card Acct # XXXX amount {$460.00} XXXX card Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/2023 and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaints represents about incorrect information being reported on my credit report in XXXX and Equifax. Under the law, a credit reporting agency must take action to check information submitted as erroneous. 

XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00}
Product: Money transfer, virtual currency, or money service

I am filing a compliant against cashapp ( block inc ) due to inadequate customer service and unfair practices which violated the consumer financial protection act. Specifically cashapp 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 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 have diligently followed all the necessary procedures in disputing this account. I've reached out to the bank and they assured me the issue was resolved. I've also contacted law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with XXXX and XXXX, who complied with legal requirements and removed the account. However, Experian seems to be presenting obstacles, claiming I haven't completed all the necessary steps. 
Understanding the leniency towards banks and credit reporting agencies in legal matters, I'm hesitant to pursue a lawsuit. Despite repeatedly submitting my claim to Experian over six months, I remain stuck. Each time, I receive a dismissive response, alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears Experian is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I've reported the identity theft to a law enforcement agency, specifically Identitytheft.gov, which is a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis resolved inaccurate information with Public Records section of my XX/XX/XXXX andXX/XX/XXXX These Two Entities Refuses to Acknowledge any Update information and by law refuses to delete unknown information. Their system E-Oscar, is verifying inaccurate information consistently and not verifying with the actual source Lexis Nexis. I need these two Entities to follow FDCPA and FCRA. They are breaking laws and violating my rights.
Product: Vehicle loan or lease

Hello, I'm really distressed because I have many months paying and in some I'm late because I don't want to pay anymore
Product: Debt collection

On XX/XX/XXXX, my gym locker door was pried off, and my checks and credit cards were stolen. Two checks were written on my account ( which was closed shortly after the theft -- check XXXX for {$94.00}, and check XXXX for {$76.00} ). I have been explaining to XXXX XXXX XXXX XXXX XXXX that I didn't write those checks. I have sent them copies of the police report and bank letter stating that the account was closed. XXXX XXXX XXXX XXXX XXXXXXXX continues to claim that I owe these funds, which I clearly don't, since I didn't write these checks. Please see attachment for further details.