23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

The gift card in question is an XXXX XXXX prepaid gift card. The amount on the card is {$150.00}. I have not used any of the balance on the card and this is confirmed on the website that shows the cards balance. 

In late XXXX I attempted to use the gift card and it did not work. I called the phone number on the back of the card and the customer service agent reported that " someone else had tried to call them with my card number '' so they put a hold on the card. Not sure what that meant because no one else had ever had access to the card. 

So I proceed to open up a dispute claim with the company so I can get access to the funds. This was in the end of XXXX I am not positive of the date. On XX/XX/XXXX they sent me instructions on how to proceed with the dispute. I responded to their request for information the same day on XX/XX/XXXX and received confirmation that they received my documents. On XX/XX/XXXX they asked for more information and I responded the next day on XX/XX/XXXX and received confirmation that they received my documents. I was told this process would take up to 90 days to receive a response. 

On XX/XX/XXXX I emailed them asking for an update and on XX/XX/XXXX they responded saying " Your documents have been received. Disputes are worked in the order they are received. We will follow up as soon as updates become available. '' On XX/XX/XXXX I emailed they asking for an update and never received any response. I called them on XX/XX/XXXX and was told there was no update for me and to wait for a response to my claim by email. 

I called again on XX/XX/XXXX and was told that no documents regarding my claim were ever received. I proceeded to resend my documents so that they could work on my case. I received a confirmation email that my documents were received. I was told that the customer service agent was going to expedite my case and I would receive a response in 24-48 hours. On XX/XX/XXXX I still had not heard back from the company and I called customer service asking for an update. I was told no documents had ever been sent to them and my claim has not been worked on yet. The predicted wait time is now an additional 90 days.
Product: Credit reporting or other personal consumer reports

I have sent several dispute letters to Experian concerning these accounts yet they have not removed them. This complaint is in regards to 2 collection accounts that Experian is reporting on my credit report from XXXX XXXX XXXX ( original creditor XXXX XXXX XXXX ) account number XXXX in the amount of {$680.00} and account number XXXX in the amount of {$980.00} According to the IRS publication XXXX, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. Income can not be reported on a credit report as a debt owed. Collection companies buy debts that has already been paid off through the charge off process. 

Furthermore, it is illegal to report any transaction history according to 15 usc 1681 ( a ) subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. You have never been given any written or verbal consent to report damaging information from the consumer ( me ) in this or any other manner. ( C ) The consumer ( me ) report will be kept confidential, will be used solely for a purpose described in sub paragraph ( A ) and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. 

This is also a direct violation of my rights and privacy according to the Violation of Privacy Act of 1974
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for failing to conduct a proper investigation into inaccuracies on my credit report. Despite my repeated disputes and submission of supporting documents, Equifax consistently responds within 24 hours stating the accounts are " verified as accurate '' without providing any evidence of a thorough investigation.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation into consumer disputes. Additionally, Equifax 's failure to investigate may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as outlined in the CFPB 's
recent enforcement action ( File No. 2025-CFPB-0002 ) against them for similar violations. 
The following accounts are at issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I pay an extra {$250.00} week on my mortgage to be applied to principal. Fay servicing puts it it into a suspense account until i ask them to move from suspense to be applied to pricipal. 

The checks are clearly marked to be applied towards principal. I pay extra to reduce the interest paid yet and they continue to put funds into a suspense account. 

I would like to have the mortgage recalculated to have these payments applied upon receipt to reduce the interest paid
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE ACCOUNTS LISTED BELOW, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) requested verification for months.Still have nor recieved verifiable proof. Please delete requesting via mail will attach identity theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIRM CASE ID # XXXX My personal information was used without my permission and used to open AFFIRM loan account and is now in collections. I discovered this fraud and emailed AFFIRM the requested affidavit fraud form. They have not responded within the promised XXXX hour time frame. The account has caused my fico scores to dip significantly and I am requesting for AFFIRM to immediately rectify the error and delete the fraud accounts from XXXX and XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my investigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( I ) ( 7 ). Because the account listed is not accurate, the docket number is invalid and TransUnion has not updated their report since XX/XX/2021. This account is not reporting 100 % accurate. ACCOUNT NAME : XXXX BANKRUPTCY/ DOCKET NUMBER : XXXX. 
TransUnion did not modify or delete the inaccurate information on my consumer report, nor did they send the results of their investigation according to 15 USC 1681i ( 5 ) ( A ) ( i ). 
I attached a consumer report as evidence.
Product: Credit reporting or other personal consumer reports

Identity theft report filed. Investigation requested. XXXX Investigations by Equifax completed. 
All XXXX recent investigations state XXXX inquiries should be removed. They have not been to this date, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. All transfers were made through my wallet hosted by www.coinbase.com. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. After transferring to the XXXX address, the cryptocurrency was cashed out with a Coinbase-controlled cash-out wallet. 
Based upon the understanding that www.coinbase.com is acting compliant and will provide the due care towards its own wallet holders, my legal representatives from XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a relevant request for provision of information to Coinbase. Unfortunately, Coinbase provided a formal response to our justified request, failing to provide the requested information. Coinbase failed to provide the required information about the XXXX hosting the beneficiary wallets. By so doing, Coinbase does not refer to specific legal grounds, which justify their decision not to provide the required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that Equifax is improperly report my credit score inaccurately. I believe the information provided to them about my inquires has damaged my rating being that my history is fairly new. Other bureaus are reporting higher than scores.
Product: Debt collection

These accounts are an result of fraud XXXX  {$3500.00} XXXX XXXX  {$0.00} XXXX XXXX  {$2000.00} XXXX XXXX  CREDIT {$2500.00} XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my consumer report from ChexSystems and have identified some discrepancies that I wish to challenge. 
Unpaid XXXX closure {$560.00} As per my understanding, as a credit reporting agency, ChexSystems is obligated by the Fair Credit Reporting Act ( FCRA ) to undertake an investigation into disputed items upon request. This statute, enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies, clearly delineates your responsibilities in these matters. 
Under Section 611 of the FCRA, I am entitled to request that you promptly investigate the disputed information and review all relevant information provided. I trust that you will handle this matter with the seriousness it warrants, and I look forward to hearing about the results of your investigation. 
ChexSystems did not investigate this dispute properly and is reporting this account as a charge off which is inaccurate because I have not received a XXXX for this charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account to XXXX  that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires below I don't recognize and are fraudulent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Caller repeated left robo messages on my mother 's answering machine. The record message identifies itself as XXXX XXXX and states that they are trying to collect a debt from an individual we do not know. No company name, phone number, or other identifying information is provided. I happened to be at home for lunch during XXXX of the calls and answered the phone, then waited for an operator. The operator XXXX stated that the company name was Convergent. I believe the full name of the company is, " Convergent Outsourcing Inc. '' There are likely many other victims who can not complain as the company does not provide any identifiable information.
Product: Mortgage

I am writing to bring to your attention a concerning matter involving Shellpoint Mortgage, the servicer for my loan with the following details : SHELLPOINT MORTGAGE SERVICING XXXX XXXX XXXX XXXX, TX XXXX Loan number : XXXX Over the past year, I have encountered significant challenges with Shellpoint Mortgage concerning their imposition of forced insurance on my property ( condo ). They assert that the XXXX XXXX XXXX XXXXs incorrect, prompting the placement of an additional policy. Despite my repeated attemptshaving sent them the insurance policy over XXXX timesShellpoint Mortgage persists in maintaining this forced insurance, which exceeds the necessary coverage. 

My primary concern is that Shellpoint Mortgage may be exploiting this situation for financial gain, as they have yet to refund the imposed insurance charges, even after receiving documentation directly from the condo association confirming the accuracy and sufficiency of the XXXX XXXX XXXX. 

This issue has resulted in an undue financial burden on my part, as I am currently responsible for XXXX separate insurance policies : the condo master policy, a XXXX personal policy for the interior, and the Shellpoint forced policy. The annual cost of the Shellpoint policy is a staggering {$5000.00}. Regrettably, my attempts to resolve this matter directly with Shellpoint Mortgage have been unsuccessful for nearly a year. 

Additionally, I would like to bring to your attention that there have been several lawsuits settled with Shellpoint Mortgage on this same issue, indicating a recurring problem that requires immediate attention. 

I kindly request your office 's assistance in investigating this matter thoroughly and facilitating a resolution. The enclosed documentation provides evidence of my efforts to comply with Shellpoint 's requests and the XXXX XXXX 's affirmation of the XXXX XXXX XXXX 's correctness. 

Your intervention is crucial in securing a refund for the unjustly imposed forced insurance and addressing the potential financial misconduct by Shellpoint Mortgage. I am at a loss for further action and would greatly appreciate your guidance and support in rectifying this situation. 

Thank you for your attention to this matter. I am hopeful that your intervention will lead to a fair and timely resolution. 

I've also attached today 's request that was sent to Shellpoint. They have refused the documents for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an account with American First Finance since XX/XX/XXXX and the company has failed to report my account with the credit companies. I paid the company in full on XX/XX/XXXX. Then I called today on XX/XX/XXXX, XXXX and I was hung up on twice on the phone and the company has failed to report my loan account.. I asked to speak to a supervisor waiting on the phone for over 25 minutes only to be treated rudely and hung up on and he provided no information, his name was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my credit reports from EXPERIAN, XXXX and XXXX. Inquiry not authorized by me. Per multiple inquires on my report that are shown in the year of XXXX  and XXXX was not authorized by me. I have spoke with all credit bureau multiple times requesting proof of validation, verification of authorization and nothing have been provided to me yet. Under the FRCA ACT, the bureau 's are responsible for investigating once I request a dispute within 30 days or delete. This error is effecting my credit worthiness. The multiple inquires on my report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IT XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Inquiry Dates XX/XX/XXXX XX/XX/XXXX. Can someone assist me with this complaint.
Product: Checking or savings account

On or about XXXXXX/XX/year> I applied for an online payday loan & was scammed. I had never applied for XXXX before so when they asked me for my bank information & to send a XXXX to make sure everything is verified I did. Youll see on the attached checks that they deposited 4 checks that were written for large amounts but cashed for different amounts & with a forged signature of mine. I did send the XXXX & I know how bc Ive sent them in the past but I didnt know it was fraud, they said it was to verify my account information. After speaking to my daughter she told me it sounded like a scam. I called the bank & put in a dispute provided all the information they wanted & they gave me back my money for {$640.00}. They changed my bank account & closed the old one. I thought the bank would go after the scammers but instead on XX/XX/year> they said its my fault bc I sent them a XXXX & they reversed the credit of {$640.00}. I spoke to my niece a former bank employee she stated the bank shouldve caught that the deposit amounts were wrong & called me about the deposits & maybe that couldve stopped them before I even sent the XXXX. That money was for me to move into my new apartment in a couple weeks. Please help me get my money back. Thank you so kindly!
Product: Mortgage

XXXX v. wells fargo The purpose of this complaint is to investigate interest charges and administrative fees on my home mortgage while it was in litigation for the past 33 months, approximately. 
My home is in pre-foreclosure. I have an interested buyer, however, the list price was based off of a principal payoff of {$110.00}, XXXX as quoted over the phone by a Wells Fargo associate in the foreclosure department. When I received a payoff statement from Wells Fargo by mail it had a figure of {$150000.00}. 
The loan was originally {$95000.00} at 5 % interest with an additional {$32000.00} at .5 % interest ( for a XXXX rehab loan offered by H.U.D. to make sure homes are habitable and meet Indiana code ) totaling {$120.00}, XXXXXXXX5.5 % interest. 
Aside from being taken advantage of as a first time home buyer from the beginning of this mortgage process ; now that I 'm trying to reconcile a reasonable balance Wells is continuing to dig a financial rut for me that at my age of XXXX, I unlikely will be able to get out of. ( at first I had been approved for a conventional loan, then it became an FHA loan which is when the XXXX rehab attachment to my mortgage occurred ). 
Please investigate the unreasonable and uncustomary fees they have attached to my account as well as the fact they sold me a home that would take in excess of {$70000.00} to bring to code not {$32000.00}. I am attaching letters I 've sent to Wells Fargo pleading for a resolution. No one of executive authority will directly handle a call or respond to my letters. I have been able to get through to middle management. Today I was told they intend to go on with a foreclosure sale and will send me a breakdown of how the interest has accumulated on my account. I need more time to resolve these charges and/or create a different approach to selling the property. ( my father is deceased, but XXXX ). ( I feel I was taken advantage of at the time I was transferred from conventional approval.. ( .closing of XX/XX/XXXX ) to FHA eligible.. ( closing of XX/XX/XXXX XXXX Mortgage Loan Identification : XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX Attachments : Copy of XXXX contract submitted by H.U.D. contractor ( XXXX ) Payoff transmittal form dd XXXX/XXXX/XXXX Complaint to Wells Fargo Complaint Department dd XXXX/XXXX/XXXX Correspondence to Sr. Vice President XXXX XXXX dd XXXX/XXXX/XXXX ( XXXX office assistant responded via telephone XXXX/XXXX/XXXX, XXXX ) Document from XXXX detailing personal home owners insurance premiums paid by home owner not Wells Fargo Accumulated interest breakdown ( from Wells Fargo ) ... forth coming via fax and/or email XX/XX/XXXX correspondence to my attorneys of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  # XXXX Amounts : {$6000.00} / {$3500.00} Date Opened : XX/XX/2017 I have reached out to the credit bureaus for them to delete this account. They replied with this account being verified. Although, I did a thorough investigation myself and noticed various inaccuracies. 

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Vehicle loan or lease

In XX/XX/year> sent a USPS Certified Mail to company. A representative for company acknowledge receipt of USPS Certified Mail on XXXX still have not received documents requested from Foursight Capital LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Product: Credit reporting or other personal consumer reports

WC dba Koalafi violates many provisions of consumer rights. Some of these are XXXX and FCRA. 

Also although WC is a 1st party, they utilize aggressive debt collection practices to include early phone calls, repeated phone calls, and repeated emails with purpose as to annoy or harass consumers