23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I made a purchase from XXXX XXXX XXXX XXXX using Klarna as the payment method on XX/XX/2025. On XX/XX/XXXX the merchandise was received damaged. I filed a claim with XXXX XXXX the same day and they refunded my money back to XXXX on XX/XX/2025. The refund has still not been credited back to my credit company Klarna by XX/XX/2025 so they advised to file a dispute. Klarna states they received a response back from XXXX XXXX XXXX XXXX XXXX that no refund is owed, even though XXXX has received the refund back from the merchant. In speaking with XXXX reps and their management they state they are entitled to keep the refund from the merchant, as well as the payment from my credit card, even though the merchandise is damaged and worthless, due to their house rules. XXXX has been every clear they intend to keep both the refund and the payment from my credit card regardless of the fact this is fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Contacted XXXX on XX/XX/2022, they put one year fraud alert on my account. 

Contacted Bank of America on XX/XX/2022, they canceled fraudulent credit card.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Unknown Collection XXXX
Product: Mortgage

Filed for a remodification with Bank of America, was approved with no principal balance or interest rate reduction. Was told because I have an FHA loan I was not eligible. 

Now I have to consider paying an attorney XXXX to take care of it, why? 

My property is XXXX underwater. I requested a letter from them a week and a half ago and never re eived it.
Product: Debt collection

Mercedes-Benz Financial Services USA LLC, CFO XXXX XXXX issued notice and knowledge to the possession of stolen property belonging to a registered investment under the XXXX Investment Company Act, a felony. 

Death certificate evidencing truth to fact that Mercedes-Benz Financial Services USA LLC has conspired with XXXX XXXX XXXX of XXXX, California and XXXX AG in a criminal financial securities scheme for embezzlement, unlawful conversion and theft of Family Fund Assets belonging to XXXX XXXX. 

Bill of Lading sent XX/XX/XXXX to XXXX XXXX, VP and CFO for Demand and Release of Lien to Securities Annexed to Right to Payment Account No. XXXX Bill of Credit to Satisfy XXXX XXXX. Recorded : Treasury Form 8300 Registration No. XXXX, and Non-UCC Financing Statement Document No. XXXX. Bill of Credit Issuance of credit amount 248,832 US Currency for settlement and discharge of every installment or lease connected to right to payment account No. XXXX VIN XXXX. Remaining balance ought to be established as a credit-line from amount owed out of credit bill that ought to be applied for purchase, lease, services at every Mercedes-Benz authorized dealer. 

XXXX XXXX XXXX of XXXX failed to issue the required Security Agreement prior to execution in violation of California Civil Code 1803.2 and Federal laws for abuse of public funds not limited to transaction device fraud 18 USC 1029, 18USC 1091, 26 USC 7214 and illegal insider trading in violation of 1940 Investment Company Act for Upstreaming cargo manufactured by XXXX AG from XXXX XXXX XXXX of XXXX, where the required security agreement and consign agreement to obtain security interest is transferred illegally to Mercedes-Benz Financial Services USA LLC for theft of installments and upstreamed back to XXXX AG for securitization on the exchange.

This violation of section 17 ( a ) Investment Company Act 1940 subjects XXXX XXXX as CFO to immediate BAR and revocation of bond for illegal, unethical and immoral acts of an officer against a registered investment company in violation of sections 9 ( a ), 9 ( b )  with penalties of 10,000 per occurrence and or 5 years in prison. Without the MANDATORY security agreement executed by the Employees ' Securities Company all are party to embezzlement, laundering criminal financial enterprise to benefit foreign agents, economic espionage. 

Every agent responsible for protecting the Financial Institutions that the Congress has stated in the 1940 Investment Company act as being affected with a national interest are given notice of responsibilities to assist with civilian arrest of the bonds belonging to XXXX XXXX and arrest of the charter of Mercedes-Benez Financial Services USA LLC for public offenses pursuant to California Penal Code 837 and crimes against an instrumentality of the United States, registered Natural Person Employees ' Securities Company, protected financial institution under 1940 Investment Company Act.
Product: Credit reporting or other personal consumer reports

Starting on XXXX, I started to ask how they verified that the debt of National Credit Systems Inc is accurately reporting and send a second letter requesting the method of verification from the credit bureau on XXXX when i received a response from XXXX that it has been verified as accurate. The reason why I was requesting verification is that XXXX and XXXX could not verify the debt was valid, so these bureaus deleted it from my report. 15 U.S. Code 1681s what has been violated. XXXX has fail to supply me with anything bearing my signature to verify the debt of National Credit Systems Inc is mine. Having this information on my account is getting my credit denied for home loans and credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems claims that I have an open case with XXXX XXXX  for XXXX $ since XX/XX/XXXX and this is NOT true I have never had an account with XXXX XXXX  I have been having trouble with every single thing I have tried to do for more then 3 years now will someone please check these facts I am telling you here what do I have to do to get someone to listen to me and please help me out with this I am just one person against an entire corrupted system and its not fair its suppose to fall off after 3 years but yet it is still declining and denying me and its not falling off either why is that why cant I get somebody to recognize the travesty going on what do I got ta do
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Equifax has this dispute listed as a charge off but is reporting as payed as agreed. 
This account was also purchased by another creditor and no XXXX was provided for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with all three credit bureaus repeatedly and reached out to XXXX XXXX XXXX  regarding debt validation of an account that is reported on my consumer credit report with XXXX XXXX, and Experian. No one has yet to validate this debt! 

Also, I have requested for Bureaus to remove hard inquiries from my Credit Profile that I did not request as well as incorrect addresses which to date all still remain. This has been done by phone, fax, email, as well as mail.
Product: Checking or savings account

I went to the Fifth Third branch in XXXX, Illinois on XX/XX/21 to deposit two money orders, one for {$270.00} and one for {$100.00}. I asked to deposit them both and get {$100.00} in cash. The teller informed me that because I had less than {$100.00} in my checking account ( my balance was ~ {$25.00} ), I would need to pay a {$5.00} fee in order to get {$100.00} in cash. I decided against paying the fee and deposited both money orders instead. 

This was surprising and rather nonsensical for the following reasons : -How does my payment of a {$5.00} fee make it any more likely that the deposited funds will clear? 
- Money orders are practically guaranteed available, unlike personal checks. 
- This fee seems specifically in place to target low balance accounts. 
-This is a high fee compared to the amount of cash I was trying to withdraw. 5 % of {$100.00} is a 5 % fee simply to access funds a day or two earlier. 

It would make sense to hold the funds according to the funds availability policy, if they are truly concerned that the funds ( although they were money orders ) would not clear. However, allowing depositors expedited availability at a fee, is more indicative of a short term loan, than a funds availability policy, since a {$5.00} fee does not make it any more or less likely that the funds will clear ( again, we're talking about money orders not personal checks ).
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THERFORE EXISTS. ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX  BALANCE {$100.00}, XXXX XXXX  BALANCE {$0.00}, XXXX {$0.00}, XXXX XXXX XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}, PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account 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 credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the consumer financial protection act CFPA specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account burnable 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 EFT and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations. When trying to solve these issues, there was never customer service available when reporting I was banned and unable to use cash app permanently, it caused hardship to me loss of funds, and several times I was scammed and a victim of fraud. Any number provided or leading to cash app was a nonworking phone number no agents were available ever. Many times I had money taken from my account or used without my knowledge when attempting to contact them id get denied, wrong numbers, replies took more than enough time as long as a month one time to get a response, once i even got a response asking for my phones personal info of my phone and identity. I constantly received fake, scam, cash app emails. My account was last used, by unknown individual, even reported to police. Was told I could never use cash app again this last time. Can find more documents these are a few I was able to find for now see attached Customer from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was instructed to send a bank wire to Gemini, and I followed the instructions completely. My credit union sent the wire in a manner that Gemini can not receive. Gemini failed to let me know that ahead of time. Instead of working out a solution, Gemini refused the wire, which cost me {$30.00}. Gemini then failed again to communicate that the credit union was incompatible with their system, and instructed me to send the wire again, which cost me another {$30.00}. Gemini 's receiving banking system changed a label of the wire from " originator to benificiary '' to " note ''. They also sent me incomplete instructions for sending the wire. I have documents proving all of this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law.

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I LOST my wallet along wsith my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with Experian COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Product: Mortgage

I am filing a second Complaint because Ditech has not corrected my account, has made false statements, and has shown very confusing and obfuscated accounting Re : [ Case number : XXXX ]
Product: Credit reporting or other personal consumer reports

This Account is not mad. I have no knowledge of this account. The information on this account is an accurate. My name is XXXX and XXXX not XXXX XXXX this account belongs to someone else.
Product: Mortgage

I have been trying for three weeks to contact my mortgage company about paying off my loan. After over 25 calls and promises to assist me by the company I have heard absolutely nothing from them. I set up an account with the information on my monthly mortgage statement and upon signing in to conduct my business it said it does not recognize my information. Every time I cal them ... the system hangs up on me ... You can not reach the company itself but third-party phone intermediaries which no nothing and do nothing. It seems you would like me to pay my mortgage for ever to continue paying the interest rate on this when all I wish to do is pay my loan off in full. Please help!
Product: Consumer Loan

I have a personal loan with Best Egg. I innocently forgot to pay it on XX/XX/XXXX, the due date. The very next afternoon, I started receiving robo calls EVERY HOUR nearly. This is harassing and extremely excessive. I have previously spoken to someone about this at Best Egg, yet nothing has been done. I am not months late but a day or so. I can not stand to continue receiving calls like this, especially if I am at work. No messages are ever left, it just a robot. I have since set up payment, but continue to get calls constantly, literally all day long. This HAS to stop!
Product: Debt or credit management

I used Lexington Law Firm for credit repair services. They didn't deliver the the results that they advertised. Even though the money was drafted from my account as required my credit score didn't change.
Product: Credit card or prepaid card

I have been battling with Marcus by Goldman Sachs for months. My entire wallet was stolen from my gym, XXXX XXXX XXXX, in XX/XX/XXXX. I reported this to the police and notified Marcus by Goldman Sachs requesting they close the account and lock the card. However, my request fell through the cracks and the thief was about to make over {$2000.00}. I disputed all transactions from XXXX and the only transactions that were awarded in my favor were the ones that failed to provide evidence to Marcus. The financial institution is claiming that the merchants have provided sufficient evidence because the tracking shows proof of delivery and my information matches. I have requested documents from these merchants and they are all online purchases from an XXXX XXXX ( Ive had an XXXX XXXX since XXXX  ), the carrier service is XXXX XXXX XXXX ( I use XXXX ), my name is continuously spelled incorrectly on all purchasing orders, and the orders come from email addresses that do not belong to me. The email addresses are ; XXXX, XXXX and XXXX. None of these email addresses belong to me. I also have proof that similar charges, from the exact same email addresses, occurred at the same time on a XXXX credit card. They were all marked as fraudulent and I was not held responsible. The law states that : Under a XXXX federal rule called Regulation E, banks are required to make clients whole if their money is stolen from a consumer account through an electronic payment initiated by another person. The Consumer Financial Protection Bureau issued guidelines saying that the law covered all person-to-person online payments. The bureau clarified that all unauthorized online money transfers- meaning any payment initiated by someone other than the customer and done without the customer 's permission were the bank 's liability. 
This financial institution is not providing sufficient explanation and reasonable cause for their decisions, leaving me victimized by Identity theft. 

Marcus by Goldman Sachs has also made me aware that a charge from XXXX  can no longer be reasserted and I will be responsible for the transaction amounting in {$120.00} and XXXX XXXX in the amount of {$530.00} and I am held liable for these transactions. I never authorized these purchases, no one else had authority to make these purchases and I did not receive the merchandise from any merchants.
Product: Prepaid card

I received an American Express gift card I have been unsuccessful to even use the card at all although upon attempts adding the card to XXXX wallet and also attempting to use the card to pay at checkout for XXXX and even other companies I am continuously being charged XXXX cents here or XXXX cents there for no valid reason I could figure so now my gift card has lost monetary value still can't use at checkout
Product: Vehicle loan or lease

TD Auto Finance Account Number XXXX Vehicle XXXX XXXX XXXX Vehicle Identification Number ( VIN ) XXXX 1st Per XXXX XXXX XXXXXXXX, they XXXX a check for {$3200.00} to be refunded back to the Loan. As of today nothing yet. Per XXXX tracking # it was delivered on XX/XX/XXXX. Per as well XXXX  : Regards, MESSAGE FROM BUSINESS : Good morning, Please accept our sincerest apologies. XXXX XXXX should not have promised an email confirmation within the advertised time as we have to submit the cancellation request ( s ) to the carriers and get the quotes that will be refunded. Having said that, we have issued check XXXX in the amount of {$3200.00} to TD Auto Finance. The check will go out today and TD Auto Finance will process the refund at their earliest opportunity. We regret that we failed to meet our own standards and we are working hard to get this new store to meet and exceed the service expectations XXXX customers are accustomed to receiving. While we can not re-write history we can try to make amends for our short-comings. The Customer Service Manager will mail you a gift card as a small token of our appreciation for you and your business. Best Wishes, XXXX XXXX XXXX XXXX. 
We submitted an ACH from our XXXX acct. As of today TD has not posted the payment. 

Per TD Auto Finance email on XX/XX/XXXX Dear XXXX XXXX, Thanks for scheduling your online payment! Review your payment details below : Transaction # : XXXX Account Number : XXXX Payment Date : XX/XX/XXXX Payment Amount : {$480.00} Apply Payment To : Amount Due TD Auto Finance will apply this one-time payment to your account and, upon receipt of final authorization from your financial institution, a single ACH electronic debit in the amount of {$480.00} will be deducted from your bank account on XX/XX/XXXX.