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

XXXX XXXX handled my medical emergency with no consideration. After applying for mortgage help due to covid and XXXX related medical emergency, XXXX XXXX approved my assistance then decided to report my mortgage as late for the current and following month. Additionally, XXXX XXXX decided to report my mortgage late for two concurrent months due to their inability to report accurately mid-month. I was told although my mortgage assistance was approved before this late reporting, they still had to report it inaccurately late because of limitations they have on reporting. Why should I receive an extra late because of XXXX deports system limitations?
Product: Credit card or prepaid card

American express/serve allowed my account to be hack because they had a security breach on there web site and are refusing to return the money
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

By ignoring my disputes, I feel as though I am being taken advantage of. XXXX explicitly states that failure to review an item within 30 days will result in its immediate removal from my credit record. Since more than 60 days have passed, these entries must be deleted immediately. I demand the quick deletion of these accounts, or I will sue you for the stress you have given me. 

MERCHANTS CR ( Original Creditor : XXXX XXXX )
Product: Student loan

I called to have my Co Sign removed on XX/XX/XXXX, they told me I had to fill out an Application and that it would take two days to email it to me. I found that strange considering it should be instant to email a customer a document. I waited and on the second day I received nothing. So I googled it and found the application on their website. They did n't mention I could do this at any point of the conversation. The form requires proof of citizenship, meaning I have to track down a copy of my birth certificate. How do they not have record that I am a citizen sense I have been doing business with them sense XXXX and needed to provide my birth certificate back when this all started. They also need proof of graduation, yet they did n't require this to start billing me 6 months after I graduated, I have been a graduate working on this loan sense XXXX and they had to know this. Now I have to track that document as well. I called them on the second day, the day I was supposed to get the emailed application. The hold was a few minutes, once I told the rep I needed help with the co sign release application I has told I needed to be transferred and the hold would be three minutes. Three minutes later they told me the hold was going to be a bit longer and offered a call back, I decided to wait. I was on hold for well over an hour. When I called on XXXX my hold was two minutes, by XXXX it became over an hour. It seems like every time I try to do business with this company they put as many road blocks in my path as possible. They provide miss information to hold you out as long as possible. They do n't seem to want you to be successful. Your struggle is their profit.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX XXXX XXXX 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX XXXX {$870.00} XXXX {$1800.00}
Product: Credit card or prepaid card

As far as describing what happened, the letter I faxed+emailed to US Bank on XX/XX/XXXX sums everything up very well ... 

= = Re : Ref # : XXXX I submitted my application on XX/XX/XXXX. 

As part of the manual review process, additional information was requested. Faxed XX/XX/XXXX tax return, XX/XX/XXXX tax return, as well as an explanation of the history of my business on XX/XX/XXXX. 

Received confirmation of fax transmission on XX/XX/XXXX. Also confirmation via telephone of physical receipt by US Bank on XX/XX/XXXX. 

When I called for a status update on XX/XX/XXXX, the rep stated they still have NOT received any fax from me. The reversed course and said they DID receive the faxes -- but that my application wouldnt receive an answer until Friday. 

As a young woman, who is self-employed, I feel I am being discriminated against unfairly. Not counting authorized user accounts, I have 17 credit accounts in my own name with a total combined credit limit of XXXX. That includes 4 small business cards. I have never *once* been asked to submit tax documents. Further, I have never willingly submitted a testimonial of the history of my business. Went above and beyond. I havent been declined for a credit account in years. Every approval has either been instantly received online, or not taken more than 1 business day. You already pulled a copy of my credit report on XX/XX/XXXX. Tomorrow will mark the 6th business day youve been sitting on my information without making a decision. My solid personal credit history along with the testimonial/history of my company with verifiable data to demonstrate the scope of my business is *significantly* enough data to get approved for the XXXX limit I requested. Considering that I have total combined home equity of XXXX, the level of risk for the bank is non-existent. Without a doubt, we are in uncharted territory as far as the data you have requested, as well as the processing delay. I will respectfully give you until XXXX eastern time on XX/XX/XXXX to approve my application & call me at # # # - # # # - # # # # with confirmation. If US Bank fails to resolve this matter to my satisfaction, I will be submitting a formal discrimination complaint to the CFPB and FTC for violation of the Equal Credit Opportunity Act. Perfectly capable of representing my own interests, so there is no need to make idol threats about legal action. 

Faxing this letter to XXXX. Also emailing a copy to XXXX. 

= = The company failed to approve me within the reasonable timeframe I gave them as far as 1 final opportunity to make things right.
Product: Credit reporting or other personal consumer reports

I requested a security freeze on Corelogic personal information. A background check was just done on me and the company was able to access my background check.
Product: Credit reporting or other personal consumer reports

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. 

Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/ 2025 and noticed some things are incomplete or in accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXXubmit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 2. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
XXXX This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
3. Attached Documentation : I have attached the following documents to verify my identity and process my request : XXXX A copy of my drivers license or government-issued ID. 
XXXX A copy of a recent utility bill or bank statement confirming my current address. 
XXXX A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. 

The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy XXXX XXXX XXXX XXXX 

I will like this problem rectified or Ill be seeking further legal action. Regarding Experian misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Received an email on XX/XX/XXXX stating an account had been opened in my name. This company does not have a phone number or readily accessible email. Advised on chat feature within app but you have to log in to use it. Seeing as account was opened fraudulently, I don't have log in info. Finally found an email on XX/XX/XXXX and requested to close account. Was informed XX/XX/XXXX it had been closed. Months later XX/XX/XXXX received another email that account was suspended for suspicious activity. Which means it clearly wasn't closed when I asked. Can not easily contact company to resolve issue.
Product: Debt collection

Hello. 
This is an " Charged Off Account ''. 
To my recollection. This account was opened in XXXX. 

My card was stolen, and I reported this to the creditor 's collection agency, which was Midland Funding. 

I just recieved a notice from the XXXX XXXX Sheriff 's Department of XXXX County ( received today XX/XX/XXXX ). It was time stamped by the Sheriff on XX/XX/XXXX. 

The File no is # XXXX Attorney : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX Tel # XXXX Account # XXXX They have threatened to Garnish my wages. They want to garnish payments of {$330.00} from each of my paychecks ( Bi Weekly ) until the debt is paid.
Product: Mortgage

I have been getting the run around from my lender regarding my loan modification. They are looking for every reason under the sun to deny my modification, and sell my house. They do n't return calls, emails, or any correspondence that is sent to them in a timely fashion. I have provided all information that was requested and they just wait until it is too late to make any decisions. I 'm a promised a phone call never received a return call. This process is frustrating and criminal at best. I take responsibility for my role in this unfortunate situation however when you speak with a " relationship manager '' that appears to have your best interest at hand you quickly realize they just want to see that final date then pass the buck so you ca n't correct what might be wrong. They act is if they care but they just do n't, they only act like that until the final submittal date and then its like crickets trying to get someone to help you. Hello, hello anyone there!!! You do n't hear a word, I was reading my paperwork and it clearly states in the document that " they ( the lender ) may find that we need additional or updated documentation from the borrower to complete the review '' but they never call you or contact you to tell you what you may need. Its is very frustrating I was so hopeful that I would be able to save my house. Last week when I finally reached my relationship manager she informed me that I had to correct a statement in my packet ( two days before the deadline ) she told me to submit a letter and also include recent check stubs for my significant other which I did within hours of her request. Four days later they tell me that the letter had to be notarized ... never in her conversation did she say have the letter notarized so they said because I did n't have that letter notarized my packet was incomplete and my sale will go through and I will lose my house in five days. I finally spoke with my relationship managers supervisor last night and she was going to listen to the recording and call me this morning, have n't heard from her! My situation and circumstances have changed, I truly believe my lender could get all their money back if they would just work something out. Just in the last quarter my financial situation has changed dramatically but they just do n't care. The loan modification program is filled with loop holes, it leaves people feeling hopeful until it 's decision time then they fill all the hope with despair and grief.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against GM Financial Dear XXXX, I am writing to file a formal complaint against GM Financial regarding the release of my car title. My name is XXXX XXXX, and I am the person on the title for a XXXX XXXX XXXX with the Vehicle Identification Number ( VIN ) XXXX. 

I paid off the loan for my car on XX/XX/XXXX. As per the state law, GM Financial is required to mail the car title to me within XXXX  days of loan payoff. It has now been nearly XXXX months, and I still have not received my car title. This delay is unacceptable and in clear violation of the law. 

Additionally, the car has been totaled, and the at-fault insurance company is refusing to pay me out until they receive the title. As a result, my family and I are stuck without a car, and the insurance company has ceased paying for a rental car. This situation is causing significant hardship and inconvenience. 

The relevant legal code in California that addresses the timeframe for releasing a vehicle title after loan payoff is California Vehicle Code 5753 ( c ) ( 1 ). According to this statute : " Within XXXX business days after receiving payment in full for the satisfaction of a security interest and a written instrument signed by the grantor of the security interest designating the transferee and authorizing release of the legal owners interest, the legal owner shall release its security interest and mail, transmit, or deliver the vehicles certificate of ownership to the transferee who, due to satisfaction of the security interest, is lawfully entitled to the transfer of legal ownership. '' Additionally, if the legal owner fails to comply, they are liable to pay {$25.00} per day up to a maximum of {$2500.00}. If they do not pay within XXXX  days following a written demand, the amount can be trebled to a maximum of {$7500.00}, plus costs and reasonable attorney 's fees. 

I request that the Consumer Financial Protection Bureau intervene and ensure that GM Financial promptly releases my car title as required by law. The address for the department handling these issues at GM Financial is : GM Financial Attn : Customer Service Department XXXX XXXX XXXX XXXX, TX XXXX GM Financial 's CA Finance Lender License # XXXX For reference, GM Financial 's legal registered name with the CFPB is AmeriCredit Financial Services , Inc. dba GM Financial. 

Thank you for your attention to this matter. I hope for a swift resolution to this issue to mitigate the ongoing inconvenience and hardship. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I would NOT rate this " bank '' a single star if it were possible. The fact that Chime claims that its " top priority is protecting [ their ] members that starts with keeping [ our ] information and money secure '' is already a false statement. 

On XX/XX/XXXX at XXXX PM, a total of {$300.00} were withdrawn from my checking account at a XX/XX/XXXX ATM machine in XXXX, CA. After receiving alerts on my phone about the transactions made, I immediately locked my debit card, called Chime customer service and was told to call back after the transactions had posted. Once they stopped pending, I called customer service again and filed for fraud, as I did not authorize the transactions. I had also requested a temporary credit as other banks do to assist their customers with fraud claims, however, they declined to do so. Chime responded to me via email on XX/XX/XXXX that after they " made a final determination regarding [ my ] claim, '' Chime bank " concluded no error occurred '' and " no funds will be credited to [ my ] account and this claim is considered closed. '' As their member/customer, I was not happy with their decision and immediately called to reopen the claim. 

To further help with the investigation, I emailed Chime on that same day ( XXXX ) at XXXX PM with attached photos of my location during the time the fraud incident occurred. Chime neglected to further investigate and stated the they " stand by [ their ] initial decision '' ( XX/XX/XXXX, XXXX PM ). Chime emailed on XX/XX/XXXX at XXXX AM stated they would be " happy to send [ me ] the documentations used in [ their ] investigation, '' which I immediately requested and was told I would receive the documentations within XXXX business day. It is XX/XX/XXXX and Chime has neglected to send the documentations as requested and continue helping me as their member/customer. 

I now refuse to continue using Chime " bank '' for any financial needs. I opened a new account with another financial institution and consulted an attorney for this matter.
Product: Money transfer, virtual currency, or money service

Cashapp will not let me add cash to my account tgey did for awhile then tgey stopped letting me do this i called talked to them they said it was there decision to not let me add cash, only can add from my bank
Product: Credit card or prepaid card

KLARNA XXXX " buy in 4 installments '' plan no longer allows me or other consumers to use our accounts as KLARNA is doing a soft pull on our XXXX credit reports. 

I have never given KLARNA access to my XXXX report. I do not recall them asking for my permission. 

I was in a merchant that KLARNA uses and they were unable to complete my purchase although I had {$590.00} in available credit. I contacted KLARNA on XX/XX/2022 at approximately XXXX EST and was told by a representative that KLARNA decided to " try something new for future purchases ''. 

I feel this is unfair, illegal and very biased. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted An investigation With Transunion XXXX And XXXX for the Account XXXX Credit Card with account XXXX # XXXX ( XXXX XXXX XXXX of XXXX XXXX By XXXX XXXX XXXX the investigation was not even completed and the account is still on my credit it id a fraud account and should be removed inmediately. 
Please kindly assist with this matter.
Product: Debt collection

On XX/XX/2021 I sent a letter to SOURCE RECEIVABLES MANAGEMENT. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.