23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

Google Wallet wo n't transfer my balance ( {$1400.00} ) to my bank account, despite multiple verifications and transfer request forms. They claim to have suspended my account due to terms of service issues, but will have to at least release my funds, wo n't they? Multiple attempts to resolve it with customer service lead nowhere, each thread gives new and conflicting information. Telephone and chat service are disabled. Online research reveals that numerous people are in a similar situation which is surprising given Google 's otherwise great reputation.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, which has led to the unauthorized use of my personal information. As a result, there are fraudulent accounts listed on my credit report that I did not open or authorize. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following accounts from my credit file. 
Fraudulent Accounts to be Deleted : XXXX. XXXX ( Account XXXX : XXXX ) XX/XX/year> {$0.00} XXXX. XXXX ( Account XXXX : XXXX ) XX/XX/year> {$0.00}
Product: Debt collection

I was contacted by Plaza Services , LLC on XX/XX/2022 about an alleged debt. It was identified as a line of credit with XXXX. I was notified by the company that I had until XX/XX/2022 to dispute the debt. I sent a dispute letter via XXXX and it was delivered on XX/XX/2022 at XXXX. I called the company on XX/XX/2022 to confirm that my dispute letter had been received and that the account had been updated to show a disputed status. I spoke with XXXX ( expenditure number XXXX ) and XXXX confirmed that my dispute letter had been received and that the account is in a dispute status. Here 's where the first issue is. XXXX asked me what information I asked for in my dispute. I listed everything that I asked for in my dispute letter and XXXX said that " they do not have that information ''. Therefore, the company does not have the required information to prove who the owner of the debt is. This takes me to my second issue. The same day that I spoke with XXXX and confirmed that my dispute letter had been received and my account was in a disputed status, I received an email from the company trying to collect the debt. A debt collector may not continue to attempt to collect a debt while an account is being disputed and they haven't provided the information to prove who the owner of the debt is. This is a clear violation of the law and my rights as a consumer.
Product: Debt collection

3 months ago I contacted iQ data international_ due to a XXXX $ Colection that was placed on my account, because of a apartment lease. The account is joint by me and and my daughter. I called and asked if I can make some sort of arrangement. They told me I can make a XXXX $ payment and the offer was only good untill the end of the month of XXXX. To hold the offer I would need to provide a debit card. I provided a pre-paid card to avoid any theft. I got a notice 3 days later that the company was trying to take XXXX $ from the card. They contacted me quickly when it didnt go through threatening me that if I didnt Give them the money there would be problems. I told them that they lied and I will not provide XXXX $ and they started using profanity making threats asking for the money. They started to contact family members letting them know they need to Collect my debt making threats as well to them. They claim they know where I live and they arent scared of coming to my house. Im tired of contacting them and would just like to resolve this to never talk to them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. There are FIVE hard inquires on my credit report that I did not authorize ; from CBNA. I have been in constant communication with this company for the last few months. I even faxed ( per their request ) a copy of my credit report ; listing the inquires from this company. All they do is transfer me to their Fraud department ; which always results in " Sorry ma'am we can't locate you in our system ; and don't see any applications or accounts matching your demographics. However, those FIVE hard inquires are plain as day on my report. I filed a complaint, and nothing is being done. I have not been seeking any credit ; as my personal documents and social security card was stolen over a year ago. I would like these inquires deleted. As, the company keep saying ; They have no record, application, or business dealing with me. Again, I am screen shooting the inquires. I just want them deleted. I didn't authorize them, don't have an account with them, never even heard of them. As, i have stated. These inquires are fraud. Of course the demographics match mine. The person was trying to open debts and accounts in my name. That is the purpose of me contacting you all to advised you of this. As, I have stated. I was homeless, no computer, no place to live. There is no way I was seeking credit during those time. The inquires are Fraud. And, I would like for you all to move them. Because, I was not applying for anything. Other companies have completed a thorough investigation, and remove those inquires. You are reporting 5 times ; on five different occasions. I would like this to be removed. Please ; How can you all leave negative unauthorized reporting on my credit file. That I did not authorize. PLEASE REMOVE THEM! 

Thank you,
Product: Checking or savings account

I had a merchant charge me {$200.00} for a 3 night stay. I did not stay at the hotel due to the room was unsafe the door had been kicked off the hinges and the merchant decided to refund one night. I filed a dispute with my back and they filed with the incorrect information then I had to discover there error and correct it now my dispute is just pending and every time I call the tell me its with a department that has no phone communication and I have to just wait
Product: Student loan

I 've tried to increase my amount for payment with Naviet, which is virtually impossible. I am paying interest upon interest, and have called to her crease my amount which I can not separate towards principal. I have had automatic draft but I can. It change my draft date so it is drafted the same day and thus if it takes 48hrs to post I am then added additional fees that are then capitalized. I 've called to ask to have my draft date changed and they say they can only change to due date not the draft date. It 's unfortunate to have such a deceitful could no any taking advantage of so many college students. This process should not be that difficult, but they make it all most impossible to be able to reduce your debt without any penalties or red tape. I hope this company is investigated for all their corruption.
Product: Mortgage

After the XXXX of my father in XX/XX/XXXX, my mother became delinquent on her mortgage. My fianc and I later decided to move into the premises to assist my mother with the mortgage payments. 

Recently ( XX/XX/XXXX ), we began the filings for a loan modification ; now that life and legalities ( probate court ) have settled. As part of the loan modification application, XXXX XXXX ( the mortgage servicer ) wrongfully made us aware that a Quitclaim Deed would be necessary to consider both my fianc as additional income for the loan modification. From XX/XX/XXXX to XX/XX/XXXX, we were denied four-times for a loan modification due to " Ineligible Borrower '' because Mr. Cooper told us to have my mother quitclaim deed the property to my fianc and I. 

More recently, we appealed our most recent denial. Mr. Cooper came back with the response that they were sorry for providing us with wrong information about the Quitclaim Deed, but ultimately our mortgage is not eligible for a loan modification due to " Insufficient Payment Reduction ''. We asked why " Insufficient Payment Reduction '' was a reason, and they told us it is because of " Investor Guidelines ''. Thus, we asked for the investor guidelines that they were referring to. And, we were told that Investor Guidelines are " proprietary '', and they could not disclose that information to us. Yet, after looking at the calculations that result in " insufficient payment reduction '', we found there is no extension of the current amortization schedule. How do they expect two ( 2 ) years of a delinquent mortgage to be paid with no term extension? That is just crazy.

We are wondering if we could ivnvetigage the " investor guidelines '' that are preventing us from a loan modification. Mr. Cooper delayed the process by telling us wrong information in regards to the Quitclaim Deed, and is now delaying the process further by not willing to work with us.
Product: Vehicle loan or lease

This is in reference to complaint number XXXX that was closed before my problem had been resolved. I received the title, that I had been waiting on since XX/XX/XXXX, from Hyundai Motor Finance but their title department recorded the wrong mileage on the title. So I called them on XX/XX/XXXX, when I finally received the title, to let them know that I now need an affidavit of correction for their error of the mileage. I was told it would take 3 to 5 business days. I have now been waiting XXXX business days and they just told me it is still in process. I have spoken to three or four supervisors and they tell me it's been escalated. But I'm still waiting on the affidavit. In the mean time we have retailed this car to another customer and still can not get Hyundai Motor Finance to resolve this issue. I have been lied to countless times and my issue still has not been resolved. Until I get an affidavit of correction for the mileage on their letterhead this issue is still pending. I paid off the vehicle back on XX/XX/XXXX, received the title XX/XX/XXXX with a mileage error recorded on the title by Hyundai Motor Finance. And we still can not process the sold vehicle because Hyundai Motor Finance can not do the right thing and escalate and resolve this problem. We just need someone to type an affidavit and XXXX  it, that's it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  XXXX, 2022 I received a fraudulent iquiry on my credit report from XXXX XXXX and Experian. I believe someone tried to use my personal social security number to acquire a XXXX Credit card. I have called XXXX XXXX  and spoke to someone and requested a deletion or removal letter to be sent to Experian credit bureau. This was took place going on over 3 months now and I have yet to receive a deletion letter nor do I see it removed from my hard inquiry. I did not authorize this transaction and I would like this is be removed as soon as possible. Thank you so much!
Product: Money transfer, virtual currency, or money service

I have had an ongoing issue with Coinbase Inc. I reached out to them because I am blocked and can not access my own account. They admitted that there are unauthorized charges on my account, yet they refuse to do anything about it. The day I reached out was XX/XX/2022 so I could view the transactions for myself, and they won't even provide the information to me. I have {$13000.00} worth of unauthorized charges on my account. I can provide my bank statements with all of the charges if need be.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am filing this complaint because Equifax has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Equifax continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

XXXX failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Equifax has failed to notify me of the methods used to verify the disputed accounts. 
Equifax has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 
My disputes have been dismissed without proper reinvestigation, as required by law. 
In addition to these ongoing issues, I would like to draw your attention to the lawsuit recently filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax in 2025. The lawsuit highlights XXXX failure to comply with the FCRA by neglecting to properly investigate disputes and allowing inaccurate information to remain on consumers credit reports without sufficient verification. This legal action further emphasizes the importance of Equifax ensuring compliance with the law and upholding the rights of consumers like myself. 

Under 15 U.S. Code 1681i, consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information and notify the consumer of the methods used to verify its accuracy. XXXX failure to adhere to these requirements is a direct violation of my rights under the FCRA. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that Equifax complies with its legal obligations under the FCRA. I demand the following actions : A proper investigation of all disputed accounts, with a reasonable effort to verify their accuracy. 
Written documentation of the verification methods used to confirm the disputed information. 
Immediate correction or deletion of any unverifiable or inaccurate information. 
XXXX neglect of its investigative duties is unacceptable and has caused me unnecessary financial and emotional distress. I expect prompt action to correct these ongoing issues. If this matter is not resolved in a timely manner, I will be forced to take further action, including pursuing my legal rights under the FCRA, filing additional complaints with the CFPB, and seeking legal recourse for the harm caused. 

Thank you for your prompt attention to this matter. I look forward to a swift and thorough resolution
Product: Credit card or prepaid card

I went to a trade show in XXXX in XXXX of XXXX and found a great deal on a bed my wife and I wanted to buy. The company was Mattress Firm. I was told that it would be shipped to my house in 14 days. They said I would be receiving free sheets, pillows, and pillow cases for my purchase. They also said I could cancel any time. So, my wife and I really wanted this bed, so we sign up to buy it. 30 days goes by and nothing. Then I get a phone call stating that my mattress was going to be delivered. They said it took so long because I was in a rule part of California. ( XXXX ). I told them that I wanted to cancel the order. They said, " OK. '' The next day, the mattress company calls me and says that they are going to deliver the mattress. I told them that I cancelled the order the day before and I did not want them to deliver the mattress. They said again, " OK. '' Then I started to get billed from Syncb/XXXX  ( Synchrony Bank ),  not for the mattress, but for the linens. I did not receive anything. So, my next step was to call Synchrony Bank and get this fixed. I called them and told them what happened. They agreed that I should not have to pay the {$540.00} dollars that was getting billed to me. So, they cancelled the charge and closed my account with Synchrony Bank. 

Low and behold, I see my credit score and start freaking out. XXXX says that my credit score is XXXX. I check to see why because if you look at everything on my report, I am an outstanding citizen when it comes to paying my bills. The report says I have 8 on time payments and 2 missed payments from Syncb/XXXX  ( Synchrony Bank ). I did not make any payments to Synchrony Bank, let alone 8 to go along with 2 missed payments. I want these flagellant accusations abolished from my report so that I can by a home for my family. I am going to take all the steps possible to do so. Thank you for your time.
Product: Debt collection

They call me over and over again trying to collect a debt .I have absolutely no contact with them. They continue to mislead and lie about the alleged debt. Was threatened to get sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I wrote XXXX  and Experian requesting a reinvestigation into the inaccurate items and accounts detailed as follows : 1. Remove all inaccurate names except for XXXX XXXX 2. Remove all inaccurate addresses including XXXX XXXX XXXX. XXXX . XXXX  3. Remove all employers from report because I amXX/XX/XXXX. 
4. Remove XXXX XXXX loan.

5. Remove ALL inquiries including hard and soft.

6. Remove ( 2 ) XXXX XXXX accounts.

7. Remove XXXX/XXXX  OnXX/XX/2020, I wrote XX/XX/XXXXand Experian informing them that I had not yet received a notice that they have begun a reinvestigation into the disputed items and accounts.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You
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. XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : 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 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 seven years. 15 U.S.C. 1681s-2 ( 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. 

My identity ( including but not limited to : my name, address, passwords, and SSN ) were allegedly leaked in a data leak on the dark web according to XXXX and XXXX. 

There are inquiries I do not recognize from : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Again my data was leaked and these inquiries are a result of that leak.
Product: Credit reporting or other personal consumer reports

Theyve failed to remove these inaccurate inquiries I did not authorize. My credit score is suffering as a result of these mistakes, which are listed below, so I must ask for a quick fix. 
XXXX inquiry, XXXX inquiry, XXXX inquiry, XXXX XXXX XXXX inquiry, XXXX inquiry. Remove it ASAP as I did not grant permission to see my report. Please be aware, that I need the wrong inquiry investigated and removed quickly. No permission was given to pull my credit report. These inquiries must be investigated according to the law and removed as soon as possible. These creditors pulled my report without my permission. Delete this information on my credit report. 
XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint to address what I believe are inconsistencies on my credit report. I plan to make a major purchase in the future and my credit is a determining factor in my success. I recently requested my credit report and upon review I noticed there are accounts that appear to be incorrect or erroneous. My intent is to obtain the correct information directly related to the accounts that are currently listed on my credit report. I am unsure about the accuracy of some of the accounts that reviewed and I am not entirely convinced that all the data within these reporting accounts is factual. As per the Fair Credit Reporting Act, I am permitted to challenge published information that appears to be inaccurate or misused. There are also accounts that appeared to be unfamiliar and I have no knowledge of their existence which provoked me to write this letter with the intent to correct information that has been incorrectly reported. 
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights : XXXX. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX Title 15 U.S.C. Sec. 1681 section 602 A states I have the right to privacy. 
Title 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 consent to do so.

Title 15 U.S.C. Sec. 1681i ( a ) declares reporting accounts on your credit profile which can not provide irrefutable proof of the account in question must be deleted. Should the aforementioned be found to be applicable to any of the mentioned accounts, please remove or delete them from my profile.

I would appreciate the onset of an investigation so that I might be able to make solid decisions about my credit and repairing it accordingly. I understand that this process takes fifteen days to complete. Once the investigation has begun and has been completed, please remove any accounts with discrepancies in direct violation of the Fair Credit Reporting Act. Lastly, if it is at all possible, I would also like to request a report covering your results and who reviewed my personal information while the investigation was in progress.

Once again, thank you in advance for your time as you review the following accounts for accuracy in accordance with the Fair Credit Reporting Act. 

ACCOUNTS : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several dispute letters to Equifax on XX/XX/2020 along withProof of my identity and until this date I still have not received a response to any of my disputes.

As far as I'm concerned the Fair Credit Reporting Act indicates on Section 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. 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 of such dispute, the agency shall reinvestigate free of charge 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. 

I need you to please have Equifax Delete these inaccurate accounts from my reports as the Fair Credit Reporting says they should because of their lack of response to my disputes.