23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

When I pull my Equifax credit report from a credit monitoring site, I receive a report with XXXX trade lines. Contacted Equifax about this and they verified that I have XXXX files. Stated that they will merge the files. Dispute results state that they ca n't merge the files, and did not send me a copy of the other file. I have tried numerous times to pull my equifax report, even from myFico to check the score. The report with XXXX trade lines always comes up. I am unable to pull a report with my positive trade lines ( XXXX accounts ) and ca n't get a credit score for the report with the positive trade lines. I have no idea what is actually on the second report, which creates a problem with applying for credit. If I pull the report from the equifax dispute website, I alway 's get the report with only XXXX trade lines on it. As the consumer I do n't feel that I should have multiple reports. If there are multiple reports I should be able to access all reports, as I am paying a credit monitoring company to view these reports. As stated above although I know what should be on my credit reports. It is difficult to decide credit related decisions without actually seeing what is on the report, or what the credit score is. Thanks in advance for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and it had fraudulent accounts, please remove these account because its effect my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX 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: Debt collection

Debt is not mines Transunion, XXXX, XXXX XXXX {$440.00} XXXX XXXX {$10000.00}
Product: Credit card or prepaid card

The issue started in XXXX when i made a payment towards my BILLED balance of XXXX i made a payment towards my account which consisted of one promotional purchase that expires XXXX this would have left the remaining balance at XXXX the company applied my purchase toward a unbilled transaction. i called to allocate this payment and a few other payments above my minimum due as per the terms of the account. this would have paid my promotion off by XXXX XXXX the company has not allocated the payments per my request. they are now denying my allocations and attempting to fraudulently charge my account the interest of this promotion. they have also deleted records of my conversations. this needs to be corrected i will not pay what i do not owe. also as seen n the statement they have allocated funds AWAY from my promotion increasing the balance.
Product: Debt collection

I appreciate your response via the CFPB XXXX, but you continue to disregard my request. I have identified four violations in your response. I am not disputing the ownership of the account ; rather, I am challenging the unfair charges from the original creditor. I also require additional clarity regarding the contract agreement and the Chain of Title associated with this account, as well as access to all related documents and financial records. I seek a precise understanding of the owed amount based on journal and ledger entries since the account 's inception. I believe I have been subjected to retaliation, as evidenced by fluctuations in my credit score during my credit dispute with Midland Credit Management Inc.
Product: Debt collection

I told them via email that since am unemployed more than an year will not be able to pay right now, kindly keep it on hold. 
I did not hear from them then one fine day I received a call somewhere from Florida I told the person he said he will check my email and then I did not hear from them. 

XX/XX/2024 I owe {$2600.00}. 

I tried unemployment compensation, medical insurance from the state but all were denied since am an alien. 
I have paid taxes being an alien since last XXXX years then why am I not getting the benefits?
Product: Mortgage

My mortgage payment is {$2400.00}. It includes a {$160.00} MI payment. The MI amount will never fluctuate. My account is not impounded for taxes or insurance. Every month I pay {$2500.00} which calculates to {$70.00} in principal reduction. Repeatedly,  Cardinal Financial  applies the {$70.00} to my escrow account. I have called them and sent them messages through their message center. They have corrected the problem but they have not back dated my payments. As you know, on a mortgage, interest compounds daily. If my payments are never applied on the date in which they are originally received and my principal reduction funds are not posted when received, over the course of my 30 year mortgage  Cardinal Financial  would have stolen money from me by way of charging/collecting interest they have not earned. A very clear UDAAP violation. Please help me in resolving this problem. Thank you
Product: Student loan

discover student loan : Interest rate .0945 % XXXX XXXX starting balance : XXXX @ that rate the whole year the interest would be $ XXXX.However, the interest charged was XXXX Qualified Student Loan Interest Paid Amount Year Interest Paid XXXX {$8000.00} So the interest if paid on the {$82000.00} was paid every month it " only " comes to {$7800.00} with the balance dropping about {$8000.00} during XXXX how is this possible? 
XXXX XXXX statement balance {$74000.00} XXXX XXXX statement balance {$74000.00} Never late never any fees This loan was sold by XXXX a to Discover and the Starting amount between the XXXX is also suspect.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ).

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Credit card or prepaid card

I have had my Citi bank Double cash card since XX/XX/2017. The cash back option allows for a direct deposit to my checking account after 2 successful payments ( per the app screen ) and have {$25.00} in rewards. I had made 2 and had well over {$25.00}, so I called in. 

Now they want me to wait another month and make another payment. Then I was told I needed a user submitted payment. I did that and still have no direct deposit option. They only say I can take an account credit ( which is not coded as a payment so I miss out on 1/2 my rewards ) or wait for a check then find a way to deposit to my bank. I would like the direct deposit option to be available, like it is to all other customers.
Product: Money transfer, virtual currency, or money service

Today on XX/XX/2022 I deposited btc into my binance.us account. I sold my btc tokens and used the usd to purchase the bnb token. When I attempted to withdraw my bnb tokens to my wallet. I was unable to withdraw. The message that appeared when I tried to initiate a transfer was " You temporarily can not withdraw your recently deposited funds and assets bought with these funds. For ACH deposits Please wait 10 days And for debit card purchases please wait 10 days ''. My deposit was neither an ACH deposit or a debit card deposit. 

Binance.us account info : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Unable to link PNC account with XXXX account when it was available prior with no problems
Product: Credit card or prepaid card

I tried to apply to Capital One for a first-time credit card and got denied multiple times for months and I can not figure out why. My boyfriend got approved and we have the same background credit-wise. Nothing on either of our credit backgrounds. So I got the Capital One credit wise app to see if it could tell me what was going on and it did not. When i attempt to check my credit score it says Looks like you are still establishing credit. On my XXXX report it says i have nothing negative, nothing new, nothing disputed, and no notes. When I apply got credit cards ( Ive tried multiple companies ) they do those identity verification questionnaires where they list some addresses and ask you to pick which one is a past residency of yours, or where you have an auto loan out, or when you got a mortgage out. Each question has four answers. Every single one of them, until I most recently got an apartment, had questions that I couldnt answer so I would get denied. I finally got the explanation letters in the mail explaining why I got denied and they all said fraud detected. I dont know what to do anymore. I dont understand how my report says nothing but all these things that I dont have answers to pop up on those questionnaires. The only question I ever got that I could answer was when I applied for this deposit assistance program, Jetty, and it was set up the same way but one of the questions ( I think it was three questions total ). The question was a past residency and I got the answer right because it was actually a question I knew! None of the others were information I had! Like auto loans from XXXX or a mortgage from XXXX?? It might be the other way around but in XXXX I was 14 and in XXXX I was XXXX!! How does that possibly make sense? Im just struggling to qualify for a credit card anywhere and I dont understand why. I have multiple friends in the exact same situations and everyone has gotten approved : ( I dont know if it could be the case but the only answer I have is fraud? Maybe identity theft? I dont know what it could be and I really dont know what to do at this point. I need help NOTE : Once I am contacted I will submit my ID and social security license to whomever I speak with to prove my identity. If needed I am pretty sure I can also provide my birth certificate ( my mother hasnt given mine to me yet, I can get a copy if needed though ).
Product: Credit card

The account was opened on XX/XX/XXXX, and was closed at the creditor 's request. It has been charged off with a balance of {$480.00} past due as of XX/XX/XXXX, with a total of {$490.00} written off. The account has consistently been reported as charged off ( CO ) from XXXX to XXXX. It also shows a series of late payments, with increasing past-due periods. The account was disputed under the Fair Credit Reporting Act, but the dispute was noted without resolution in the provided statement.
Product: Consumer Loan

I made a prior complaint under Case number : XXXX. I received a written response from US Bank ( not within the timeframe ) advising that I would get a final written response summarizing the completion of my lease and any amounts owed. My lease terminated in XXXX, 2016 and I have yet to receive this promised statement. I am unsure if there was actual receipt of my returned vehicle. I am unsure if there are any outstanding charges that may impact my credit score. I am unhappy over the broken promise as well. I would not recommend auto financing with US Bank to any consumer given my experience.
Product: Debt collection

Midwest Recovery Systems has reported an account for {$600.00} in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased
Product: Credit card

I made a purchase with my Macy 's store credit card for an item on XXXX Order # : XXXX. I never got the item, it was lost/missing and the tracking number was not working. I had two call / chat with them several times for hours on end. They told me to check in 24 hours, then 48 hours, then they said they would reship in 3 days, 10 days, 15 days. After I said I would file a CFPB complaint, they reshipped the item. The tracking for that item was also a dead link! The item is not in transit. I contacted them again and they said I wait to wait 48 hours, then they said 24 hours. I just want a refund to my credit card at this point. I've spent hours and hours troubleshooting this with them. I'm about this pay this off on the credit card but I have no item.
Product: Money transfer, virtual currency, or money service

Case # XXXX - Your account has been locked My account is blocked from XX/XX/2020. Support is not responding, I have been writing to them for 14 days, there is no reaction. I wrote to XXXX, where they replied that my ticket was handed over to a specialist, but I still did not get an answer. Help me.
Product: Student loan

Hello, I am an XXXX female XXXX Veteran. 
Upon my graduation in 2007, I was contacted by XXXX XXXX to start paying off my student loans unknowingly signing up to consolidate my loans right out of school. I have been struggling with finding stable employment to make the payments towards paying back my loan. 

My loan has reached default status, and was passed to XXXX. They 've recently passed my account to Transworld Systems who now manages my account. 

Transworld wants me to agree that I owe {$30000.00} when my understanding is that I owe {$24000.00} on my principal and I 've accrued {$3900.00} in interest. This total does not add up to {$30000.00}. I sent a dispute letter to Transworld Systems asking them to verify the amount. And, I wanted to report this situation as well. 

Although I want my loan out of default by participating in their loan rehabilitation program, I do not want to verbally agree to owing this much if it is n't my true balance.
Product: Payday loan, title loan, or personal loan

This company has called me repeatedly for the past week. I finally called them today saying that I never applied for a loan. They said they had an application for me in my middle name. I told them that no I didn't apply and that is my maiden name and is a fraud application. She said that should could cancel my application but needed to verify my information. What information? I never applied. She asked for the last four of my social security number. How does this company have this when I didn't apply for anything? I need my information deleted from this customer 's database and the harassment to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Achieve in XXXX XXXX has been calling me 2 to 3 times a day every day. They are still contacting me to pay a debt that has been paid and is current. They have called me twice today ( XX/XX/year> ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, XXXX XXXX XXXX is saying I owe them for a charge to me by Original creditor : XXXX XXXXXXXX XXXX XXXX  XXXX PA {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX. .for XXXX for the last 1 1/2 years i thought this was from an old XXXX XXXX account but after farther investigation I came to find out that it was a medical bill and should have been sent by the collection agency to my insurance company and gov. heath agency that handles those type of bills and charges. This bill should not have even got this far in the first place, and if it had been handled correctly to begin with, would have been paid in XXXX and no longer in existence. Due to this wrongful collection my score is XXXX. My credit score is keeping me from owning a home and owning proper transportation which in Texas if you don't have a car you can forget about advancement socially or making your life better. Your left at the mercy of social programs and volunteers and others. So I started investigating the collection that has virtually kept me financially impotent for 2 years.. I tried to file a dispute but every time I did XXXX would not let me and then even worse they would erase or delete all my work and research hours of gathering information gone. How? losing all that work and time spent, causing me to feel hopeless and depressed making a person feel like they should giving up. 
I am physically and to a lessor degree XXXX XXXX. I have Medicaid, Medicare, and heath insurance through XXXX XXXX so all of my medical and health related financial responsibilities are covered by those 2 agencies and 1 private insurance company. for 10 years. 
So tell me why has XXXX XXXX XXXX been ruining my life and tarnishing my financial credibility and have for 2 years all opportunities in my social advancements and all financial and monetary gain and will continue to do so for years to come? 
XXXX  would not even let me file a Dispute against XXXX only after I filed with TransUnion did they follow suit? 
XXXX XXXX XXXX had no phone number or email NO CONTACT INFO.. It has now been updated with a phone number and address
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) 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 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. Several Dates including multiple transactions from the time the first initial reported indication started from the initial period of XX/XX/XXXX2022 until XX/XX/XXXX 2025 theres about XXXX transactions in total that Ive had dealings and issues with Cash App regarding these regulations that Ive been violated against as Ive been a user with this company!
Product: Checking or savings account

They are claiming I was overdrawn when I wasnt, the app is way off from what is seen on their end??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXHi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The law states that bank of america will delete all accounts that have been charged off and sold, and delete from any credit reporting agency. 
I was the victim of identity theft in XX/XX/2015, the exact time of first late payment on this account. I have proof of the identity theft from XXXX  and XXXX. I have never missed a late payment in my life other than this incident which was only due to identity theft. The law states that bank of america will delete all accounts that have been charged off and sold, and delete from any credit reporting agency. My charged off account was sold to a collection agency and is still being reported as a charged off acount by bank of america. Please remove this ASAP. I can provide the proof of identity theft upon request.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that it has been reporting late payments on several accounts that I have NEVER been late on and have always paid on time the first account number is XXXXXXXX XXXX XXXXXXXX XXXX and XXXX  Accounts reported late Also I have discovered to accounts that are closed and I have no knowledge about these accounts, the first account is XXXX XXXX close date XXXX  The second account is XXXX XXXX XXXX XXXX close dateXXXX account closed. 
Third account XXXX XXXX XXXX close date of XX/XX/