23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a Secured Party Creditor and I submitted form 1099a to setoff this debt with Capital One bank. The IRS accepted the filing. So the account status should read paid in full, due to me submitting the 1099a. Company updated the status properly stating the balance was paid and no additional fees would be charged. Then a week later the status changed to charge off with a message stating I am still required to pay the debt. But According to 31 USC 3123, Public debt is the obligation of Secretary of Treasury to pay interest due or accrued on the public debt.

Capital One is trying to make me repay debt that is already paid by the Secretary of Treasury through the IRS form 1099a.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 went at XXXX XXXX. XXXX XXXX Branch at Wells Fargo ; XXXX XXXX ; address XXXX XXXX XXXX, XXXX, CA XXXX. XXXX # ( XXXX ) XXXX / Fax # ( XXXX ) XXXX. I spoken to XXXX " Branch Manager " Also XXXX XXXX Bank manager. Trying cash {$20000.00} cashier check getting {$2000.00} cash rest cashier check. They refused my customer service, and wanted me open account. I declined open account n cashier check was fro Well Fargo Bank. These two have no customer service skills what so ever. should be removed from their positions, replaced with friendly customer service bank manager n branch manage immediately. I can be reached at XXXX or phone ( XXXX ) XXXX. I will not be returning sorry excuse authority bank people. 

sincerely, XXXX XXXX
Product: Mortgage

IN 2020, Covid-19 happened. Forebearance programs were offered by the mortgage companies, including Mr. Cooper, in the name of the lender, to help homeowners. 
At the end of the forbearance program there were certain ways to pay back the amount owed. 
1/loan modification which deferrs payment - 2/ lump sum payment of all of the monies owed - 3/ payment plan. 
I have an excellent mortgage, and a modification could not be found. 
I was then offered that I pay, a lump sum ( {$35000.00} ) or lose my home. I was to pay off {$7200.00} of the XXXX - having to borrow money. I asked for a payment plan of 12 months. 
I was offered a 6 month payment plan ( because the only alternative is to lose my home ) so instead of {$2300.00} per month- i now have to pay {$6200.00} per month. 
on what planet is this logical!!??!! i asked for forbearance help because I NEEDED FINANCIAL HELP. 
WHERE DO THEY THINK I CAN COME UP WITH AN EXTRA {$4000.00} EVERY MONTH??? 
I am only asking that the plan be extended to 12 months, so instead of {$4000.00} I have to come up with an extra {$2000.00}, ( which i can handle ) I want to stay in my home! 
Please see the logic, simple logic in this. I do not mind paying interest on the amount I owe ; I plan to keep my house and do want to pay off this debt. I am only asking that the terms be extended to 12 months instead of 6 months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Re : Account Number : XXXX XXXX of Debt : $ XXXX of Debt : XX/XX/XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the above-referenced debt. I do not acknowledge this debt and would like to see validation under the FDCPA. Please provide : 1. The name and address of the original creditor. 2. A detailed statement of how the amount was calculated. 3. Any agreements or contracts I allegedly signed. 4. Proof of your author
ity to collect debts in my state. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I found there to be numerous unauthorized charges posted to my Wells Fargo checking account and I immediately canceled my card along with filed claims relating to the transactions. Upon filing the claims, my account was issued a provisional credit in the amount of {$1400.00} which was the total of the unauthorized transactions on my account. I proceeded to withdrawal the credited funds in my account because my rent was due and the funds would be in my account anyway if it werent for the unauthorized use of my debit card. A few days later I received an email stating that my claim had been denied and that the provisional credit in the amount of {$1400.00} would be debited from my account on XX/XX/23. The funds were taken from my account on XX/XX/23 which caused my account to be {$1300.00} in the negative. This despite the fact that the charges in questions that were denied claims for were not made by me and were completely unauthorized and the result of my debit card having been stolen.
Product: Checking or savings account

I recently got out of an XXXX XXXX. I was awarded the Bank of America accounts in the settlement. His name needs to be removed. I have attempted this numerous times. They insist that we both have to be there to remove him. But I will not be around him anymore due to his XXXX. I finally got them to send the paperwork to each of us to sign. It was notarized and sent it back. They claim it was done incorrectly. So round two of the same paperwork was sent in, but no changes yet. I was also told that I needed my ex 's approval to change my name on the account, even though it clearly states me reverting to my maiden name in the final decree. This is unacceptable.
Product: Credit reporting or other personal consumer reports

This is a follow-up complaint filed to ensure TransUnion complies with its obligations under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block fraudulent, inaccurate, and unverifiable information from my credit report within XXXX business days of receiving a valid dispute. I submitted my initial complaint on XX/XX/2024, providing all required documentation, including an FTC Identity Theft Affidavit and supporting evidence. As of today, XX/XX/2024, TransUnion has failed to comply within the statutory timeframe. 

The following accounts violate FCRA standards for accuracy, completeness, and verifiability : XXXX. XXXX XXXX  Inconsistent Reporting Across Bureaus : Listed as Open with XXXX, Closed with XXXX, and Collection with TransUnion. 
Contradictory Charge-Off Balances : Reported as {$370.00} without a Date of First Delinquency ( DOFD ), violating FCRA 605 ( c ). 
Inconsistent High Credit : High credit amounts differ across bureaus, making the account unverifiable. 

XXXX. XXXX  Contradictory Reporting : Listed as Collection with TransUnion but Closed with XXXX. 
Missing DOFD and Payment History : Key reporting dates are missing, violating FCRA 605 ( c ).

Unverifiable Account Details : No resolution or classification details are provided, making the account unverifiable. 

XXXX. XXXX XXXX XXXX XXXX XXXX : Essential delinquency dates are not provided, violating FCRA 605 ( c ). 
Unverifiable Creditor Classification : The creditor is listed as Unknown, violating FCRA accuracy standards. 
Contradictory Statuses : Reported as Charged-Off but with active past-due balances, creating inconsistencies. 

Violations of the FCRA These accounts violate multiple provisions of the FCRA, including but not limited to : XXXX. FCRA 1681e ( b ) : Failure to ensure maximum accuracy in credit reporting. 
XXXX. FCRA 605 ( a ) : Prohibition of unverifiable and outdated information. 
XXXX. FCRA 605 ( c ) : Mandate to report the Date of First Delinquency ( DOFD ) accurately. 
XXXX. FCRA 605B ( 15 U.S.C. 1681c-2 ) : Obligation to block fraudulent and unverifiable accounts within XXXX business days. 
XXXX. FCRA 609 ( a ) ( 1 ) : My right to access all information used in credit reporting. 
XXXX. FCRA 611 ( a ) : Requirement to conduct a thorough reinvestigation of disputed information.
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Lvnv funding LLC I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to credit reporting agencies XXXX and Equifax. Explaining that information reporting on the credit report is inaccurate. 

XXXX XXXX XXXX  Amount {$8900.00} because reporting compliance of consumer credit claims of deficiency and or derogatoriness mandates that any item removed and or modified from one repository shall also have " CARBON COPIES '' of that action forwarded to any and all other repositories from which the reporting data furnisher reports. 


1 ). e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DF 's ) and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. 
2 ). CRAs include Equifax, XXXX, XXXX, and XXXX their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies e-OSCAR also provides for DFs to send " out-of-cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated University Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management, and reporting. 
3 ). ACDVs Initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF 4 ). The ACDV is returned e-OSCAR web-based, Metro 2 compliant, automated system ..... 
CRAs include Equifax, XXXX, XXXX and XXXX, their affiliates or Independent Credit Mortgage Reporting Companies.

ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Date Furnisher The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. 
5 ). If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Every time I try an get anything that has to done I tht credit it comes back denied it says Im XXXX in fraud debt I cant log into my Experian account I didnt make the email nor did i make the security questions so every time I try an report the problem or Anything I cant because they need the questions that someone else made who is not me an without those answers I cant see whats been used or whats been applied for under my name that I didnt do its set me back from really doing anything or quilfying if you dont know how Frustrating that is then i envy you I just want this resolved an answers recipts of whats been purchased or any loans that have been applied for pls
Product: Mortgage

United wholesale mortgage is preventing my broker from sending my loan to XXXX XXXX where he can get a better deal for me. He said they threatened to sue him for XXXX XXXXXXXX if he does business with XXXXXXXX XXXX. Now he is telling me that he has to give me a worse deal because UWM is forcing him to. I'm pretty sure I am not the only consumer not getting the best deal because of UWM 's unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act these companies, XXXX XXXX XXXX  Account # XXXX and XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, and XXXX  XXXX Account # XXXX, have 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 Sub Section 6802 B : the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter on XX/XX/23. Company still has not responded. The collections company holding this debt has removed the debt off credit report. This credit card company has not as of yet.
Product: Credit card or prepaid card

I purchased an item, XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXXXXXX a XXXX XXXX credit card. However, the delivery tracking number # XXXX indicated a delivery on Saturday, XX/XX/2022 at between XXXXXXXX XXXX ( CT ) XXXX XXXX ( CT ) that NEVER occurred. This is FRAUD. The package NEVER arrived, although, the tracking on the XXXX  XXXX website indicated it did. I immediately advised XXXX XXXX that I did not receive the package. I chatted on-line with customer service then submitted the affidavit as requested, all within an hour or two, after identifying the package was not delivered. Subsequently, I received a billing statement from Comenity Bank on behalf of XXXX XXXX ( i.e., merchant ) charging me for an item that I did not receive. Now, I am being bullied, harassed by telephone several times a day and by mail with a bill that I do not owe demanding that I pay it! No, I am NOT going to pay for an item that I did not receive. Comenity Bank, apparently, has decided when a customer orders an item ( s ) the customer must whether the item ( s ) are received or not! Comenity Bank is not requesting the merchant guarantee deliveries of item ( s ) ordered. It is apparent that the delivery vendor ( s ) are stealing customer orders and Comenity Bank is insisting the customer pay for item ( s ) not received.
Product: Credit card

I have used Pay Pal for XXXX or XXXX years. In the past year, I was notified by Pay Pal that I needed to sign up for an account. I was confused, thinking I already had an account. I thought maybe they wanted me to update my information. I signed up for the account. Then after a purchase, I received a bill in the mail from PayPal Credit for the purchases I had made. I did not understand what had happened, as in the past I had used PayPal and they items I had bought were charged to a MasterCard. I showed this to my husband and he realized that PayPal had somehow set me up for a credit card. He tried to cancel the account. I used PayPal again after that, and they put the item on PayPal Credit. I then was charged a late fee, although I had never received a bill in the mail, and did not know I still was using PayPal Credit!!!!! I am very, very unhappy with PayPal!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer and natural person, am aware of all the rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act. XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. XXXX XXXX illegally obtained personal and private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did NOT grant XXXX XXXX permissible purpose to obtain the information and report it, nor did the debtor. I have not been notified that this information is being provided to the highest bidders. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist reporting of the account name filings to all consumer reporting agencies. 
Remove reporting of the account name filings from all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 

I have tried fixing it with credit bureaus several times. PLEASE DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 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 card

I am writing to formally submit a complaint regarding an unreasonable and restrictive policy implemented by the Bilt Mastercard, issued by Wells Fargo, which has caused me financial harm and unnecessary frustration. Specifically, the Bilt website prohibits users from submitting more than one credit card payment within a 24-hour period. This policy directly led to my account incurring an interest fee of {$82.00}, which I am requesting to be waived immediately.

The 24-hour payment restriction is highly problematic for the following reasons : XXXX XXXX and XXXX : The restriction limits cardholders ability to manage their finances effectively, particularly in situations where multiple payments are necessary. 
Unintended Missed Payments : This policy prevented me from resolving my account balance in a timely manner, leading to an unfair and avoidable interest charge. 
Unfair Financial Penalties : The late fees and interest charges resulting from this policy penalize responsible users attempting to stay on top of their obligations. 
I believe this policy is an unreasonable impediment to responsible financial management and poses unnecessary risks to cardholders. As a result of this issue, I am requesting the following resolutions : Notification to Impacted Customers : Bilt and Wells Fargo should notify all cardholders affected by this policy and ensure they are aware of its implications moving forward.

Accountability Measures : I request that the CFPB investigate whether this policy constitutes a broader violation of consumer protection laws and assess whether Wells Fargo and Bilt have been transparent in disclosing this restriction to cardholders. 
This matter is urgent, and I expect prompt action to rectify the financial harm caused to me. Furthermore, I urge the CFPB to evaluate the broader implications of this policy for other consumers who may be similarly impacted.

Thank you for your attention to this serious issue. I look forward to your response and updates regarding actions taken to address this matter and my specific requests.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandated a reasonable investigation of disputes/ Furthermore, Equifax 's actions may also contravene the consumer financial protection act, 12 U.S.C . $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I requested that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXXXXXX {$370.00}
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that Equifax continues to report on my credit file : Bankruptcy Case ID # XXXX Equifax listed XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. 

I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my Lexis Nexis credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that Equifax 's so-called " verification '' on XX/XX/XXXX WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. 
Thank you