23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

As a victim of identity theft, it was bought to my knowledge that several accounts with navy federal has been opened fraudulently. I made a police report and reported theres fraudulent transactions to the federal trade commission. A federal trade commission affidavit was made as well. I reached out to Navy Federal and I also reached out to third-party companies that was reporting this information after doing disputes with XXXX XXXX , Navy Federal , XXXX XXXX XXXX and all of my disputes came back, validated. None of these companies sent me any information, explaining how the account was validated. There is a navy federal account and XXXX navy federal credit cards that was took it out in my name. Navy federal credit card open May 2019 with a balance of {$28000.00} another navy federal credit card that was open XXXX with a balance of {$5100.00}. Another Navy Federal credit car open XX/XX/XXXX with the balance of {$21000.00}.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I've discovered an anomaly regarding a late payment recorded on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for the months of XX/XX/year> and XX/XX/year>. It's important to note that I have consistently maintained timely payments on this account. Attached are screenshots illustrating the discrepancy. 

I kindly request a thorough investigation to provide evidence substantiating the alleged late payment. In the absence of such evidence, I urge that the late payment status be promptly rectified to reflect " paid as agreed on time. '' It's imperative to acknowledge that I have never missed a payment deadline. 

Your prompt attention to this matter is greatly appreciated. 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices which violates 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.
Product: Credit reporting or other personal consumer reports

I sent a letters out on XXXX XXXX, XXXX XXXX XX/XX/2024 to Experian, XXXX, and XXXX I have copys of all Letters. However its been more than XXXX  days and the credit bureaus failed to send me my investigation back. This is making any sense. 



According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and consumer notifies the AGENCY directly or indirectly through a reseller, of such status the dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or deleted the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notification of the dispute from the consumers or resellers
Product: Credit reporting, credit repair services, 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 's # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX  XXXX Bankruptcy # REF : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon viewing my credit report I saw information on my consumer report that I have no knowledge of.
Product: Money transfer, virtual currency, or money service

On XX/XX/2025 I added money from my PNC bank to my XXXX XXXX. It went through once it went through I transferred the funds to my XXXX XXXX XXXX from XXXX XXXX. The next day XXXX XXXX sent the funds back to PNC. Once that took place I proceeded to just XXXX the money instead from PNC to XXXX XXXX. The money was sent to XXXX and went to XXXX XXXX. The next day my PNC account was overdrawn for the amount
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX  letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

Secured Credit Card for {$300.00} cash deposit. Account was closed and Capital One Credit retained deposit. Balance should be " paid in full ''.

Several letters and calls being received from harassing outside Collectors.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Negative Information XXXX XXXX Account # XXXX Dear XXXX Dispute Team, I am writing to formally dispute the negative information on my credit report related to the XXXX XXXXXXXX account with the account number # XXXX. This account is adversely affecting my reputation and credit score.

Under the Fair Debt Collection Practices Act, 15 U.S. Code 1692 ( d ) ( 2 ), I am entitled to request the immediate removal of inaccurate or unverified information from my credit report. I hereby request the removal of the mentioned XXXX XXXX account from my credit report, as it is adversely affecting my financial standing. 

I kindly request that XXXX conducts a thorough investigation into this matter and promptly removes this negative information from my credit report. I believe this action is essential to ensure the accuracy and fairness of my credit history. 

Please provide confirmation of the removal of this account once the investigation is completed. 

Sincerely, XXXX XXXX
Product: Credit card

I purchased items using Amazon 's website and used my Amazon XXXX  Credit Card, which is through Synchrony Bank. I recently returned 2 items but was not seeing these refunds on my Synchrony Bank account. I filed a dispute and provided the requested proof of return and delivery back to the merchant. Yesterday I was informed the reason I was not seeing a credit on my credit card account was because the credit ( refund ) was on my Amazon account as a gift card to be used for further purchases. I stated I didn't want an Amazon gift card, I wanted the credit/refund to reflect on the card I used to purchase these items with and that received a charge for these items. 

Amazon will not let you transfer the funds or give your money back. So, customers have to pay Synchrony Bank and Amazon doesn't lose money on their end either.

This is not fair to the customer- they do not have a say in how their money is spent. Why should Synchrony Bank and Amazon get to keep their money? The customer should be given a choice and not just whatever Amazon or Synchrony want to do
Product: Debt collection

I have never lived at the address listed on the papers they sent me. This belongs to my son not me. I have tried to explain this to this company and all they do is send me my sons rental agreement. This needs to be removed from XXXX and XXXX before I take legal action.
Product: Checking or savings account

We deposited XXXXXXXX XXXX XX/XX/XXXX between XXXX - XXXX The ATM had an error and it did not credit our account with said money. 
The ATM directed us to call the XXXX number printed on the ATM receipt but their lines are closed on the weekends so the earliest a claim was made was XX/XX/XXXX, the next businesss day : monday a claim with chase was made XX/XX/XXXX with tracking ID XXXX Chase refused to credit us XXXX of the XXXX after an investigation- of which the methods were not disclosed to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to each of the 3 credit bureaus ( XXXX, XXXX, and Equifax ) on XX/XX/2022 via certified mail. These are the tracking numbers for each letter ; XXXX XXXX, XXXX XXXX, Equifax XXXX. 

The letters were sent to the credit bureaus so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report.

Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.
Product: Debt collection

XXXX SYNCHRONY BANK {$1900.00} I have disputed this account directly with the creditor on multiple occasions in regard to the ownership of this account. This account does not belong to me, and i have not received any evidence indicating my signature on any paperwork. I continue to receive push back from this company which is greatly affecting my report. Please help me remove this from my report.
Product: Bank account or service

It has been the longest while since I have had problems with JP Morgan Chase N.A.. First they discriminated against me and closed my account and they reopened it, then closed again. After arguing for it and proofing my innocence they accepted the fact that people can be Victims of Identity Theft! Now when applied for credit card, I received letter asking to lift my security Freeze from XXXX, which was done so. I contacted chase landing services and my credit bureau file was pulled by the representative. Due to personal level of dislike against me or discrimination, the representative has refused to move forward with the application and requested to have my XXXX file to be lifted. Chase representative has provided false information and unethically/unprofessionally treated me. I am tired of being a victim of discrimination by Chase. Just because of unfortunate fact of being a Victim Of Identity Theft, it does not mean that they can discriminate against me.
Product: Credit card

Even though AspireXXXXXXXX XXXX XXXX has resolved some of the issues that were addressed in XX/XX/XXXX, the XX/XX/XXXX Fees for Annual Fee of {$49.00} and XX/XX/XXXX Account Maintenance Fee of {$12.00} have not been addressed. I will continue to contact CFPB until these two amounts are addressed. This is a closed account and there should not be any other fees other than the principal amount and perhaps the interest on same. That is all I will agree to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

i paid off an account with XXXX XXXX and Experian Refused to update my account balance and status after thy have been Notified almost 2 months ago. Experian is doing this willfully intoner to make me look very bad to lenders and to destroy my image to lenders which is a violation of FEDRAL LAWs on their part. i have a letter to prove the facts of this matter and if CFPB found that they have violated my rights i will like to pursue a Law suit against EXPERIAN. I have spoken to several reps of Experian and they have refused to update my account.
Product: Credit card

On or around XX/XX/XXXX, Bank of America offered a settlement agreement to resolve my account for less than the full balance. The agreed-upon settlement amount was {$3500.00}, to be paid in three installments : {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX {$1100.00} on XX/XX/XXXX This settlement offer was clearly discussed, and I began fulfilling my part of the agreement by preparing for the first payment. However, despite repeated requests, Bank of America has refused to provide this settlement agreement in writing. Additionally, I was charged a late fee, even though my understanding was that this account was covered under the agreed-upon settlement terms. 

Issues : Bank of America has failed to provide written confirmation of the settlement terms despite my repeated requests. 
A late fee was unfairly applied to my account after the settlement was offered. 
This behavior is misleading and creates unnecessary confusion for consumers attempting to resolve their accounts in good faith. It has caused me stress and financial uncertainty, as I am unsure whether my payments will be applied correctly or whether the terms of the agreement will be honored.

Resolution Sought : I request that Bank of America immediately provide a written confirmation of the settlement agreement terms as outlined above. 
I request the removal of the late fee and any associated penalties applied after the settlement agreement was made. 
I ask that Bank of America honor the settlement agreement and apply all payments made accordingly. 
I believe this issue violates fair consumer practices and request the CFPB 's assistance in resolving this matter promptly.
Product: Credit reporting or other personal consumer reports

I completed an online request directly with LexisNexis in early XXXX  2024 for any reporting they have on me. I received a letter dated XXXX XXXX, 2024 from LexisNexis with instructions for obtaining my report via their web service ; the code would not work. I called LexisNexis on XXXX XXXX, 2024 at XXXX PM and I was told there was an issue with codes issued on the day of my letter and my report would be mailed ; they confirmed my mailing address. I never received the report. I call LexisNexis on XXXX XXXX, 2024 at XXXX stating I never received my report ; I was told it had been mailed and would be mailed again. I called again on XXXX XXXX, 2024 at XXXX and again was told my report had been mailed, validated me address, and stated it would be mailed again. I have never received my report and I do get all my other mail.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Debt collection

I wrote this company on XX/XX/year>, requesting that the company cease and desist, i received confirmation on XX/XX/year> and again on XX/XX/XXXX stating that they received my cease and desist, the company continued contacting me, which is a direct violation of the cease and desist order I issued to them on [ XX/XX/year> ] they have continued to send me unsolicited information through the mail. 
( see attached documents ) These ongoing actions constitute a clear disregard for my legal rights and an intentional violation of my explicit request for you to cease all contact. I have provided reasonable notice but the company continues to harrass me The violations include : [ Briefly describe each instance of mail received, including approximate dates. ] [ State any evidence of attempts to intimidate, harass, or ignore the request. ] Your failure to comply with the cease and desist order leaves me with no choice but to consider pursuing further legal remedies to protect my rights. Please understand that I will not hesitate to take appropriate legal action, which may include filing complaints with relevant regulatory bodies or initiating legal proceedings for harassment and other violations.

To resolve this matter, I demand : Immediate cessation of all communications and contact, including but not limited to sending information via mail, text, or third part companies ( Credit reporting agencies ) Failure to comply will result in my seeking legal recourse, including damages and recovery of attorneys fees, if applicable.
Product: Student loan

Myself, and XXXX children have loans with Sallie Mae, payment was made and taken out of my account but Sallie Mae calling to say payment not made, try to verify where payment was posted and they now say I am not who I say I am because they either have XXXX or XXXX both names that I go by so # XXXX will not talk to me and they have flagged my account that I am not who I say I am. but are harassing that payment not made, they wo n't even talk to me to get the confirmation number from the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. Please investigate.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

MY COMPLAINT IS SUBMITTED BY ME PERSONALLY. IT IS NOT INFLUENCED BY A THIRD PARTY OR ANYTHING OF THAT NATURE. PLEASE REVIEW MY ATTACHED INFORMATION.
Product: Debt collection

This company is reporting late payments. 
I recently received a copy of my credit report and I noticed youre furnishing late payments on my consumer report and they should not be on there. My experiences and transactions with the creditor are private and legally excluded from my consumer report. I demand the late payments on my accounts listed below be deleted from my consumer report. Look up 15 USC 1681a ( 2 ) ( A ) ( i ) if you have any questions.
Product: Mortgage

On XXXX XXXX, I contacted my mortgage company informing them that I had started a new job and that I would be making the mortgage payment at the end of the month due to my pay being by-weekly. We agreed for me to submit a post-dated check for XXXX XXXX of this year to be sent to the processing center and that it would be noted that the check would not be processed until that date. On XXXX XXXX, upon receiving the check, the processing center processed the check and it came through my bank prior to XXXX XXXX. On XXXX XXXX, I contacted the mortgage company, and they were less than helpful with me in resolving this issue. I was also informed that the company only makes post-dated arrangements electronically and over the phone, which I refused to divulge ANY information regarding my bank accounts over the phone, and that it was agreed that I could mail a check. I went to my bank later that day, an investigation was opened and on XXXX XXXX, I received a letter from the bank that there was nothing they could do about the issue, it was between me and the mortage company. As a result, I was charged {$91.00} by my bank ( $ XXXXper day ) for each day that the account remained overdrawn. I am asking that the mortgage company either refund the {$91.00} directly, or that the amount be applied towards the balance of the Mortgage principal.
Product: Checking or savings account

My boss has written bad checks to me I believe knowing they will not be able to deposit in my account or reversed and has been doing this for a while I tried contacting my bank but it was already to late my account was negative and now my accounts frozen and restricted. in my previous complaint I uploaded photos and documents of proof of me being a good worker and my pay stubs
Product: Credit card

This is a store card, XXXX XXXX. I was charged for an item which I did not receive, the company ( XXXX ) states the item was returned to them, it is in their possession and yet they refuse to process the return citing they are backed up with returns and it will happen on their time. It has now been over a month and I am still getting the same response. 

The creditor has been notified of the charge in relation to the goods which have not been received. XXXX XXXX refuses to complete the refund until they have time to manage the case. 

I am now required to make payments on an item I did not receive. The order # XXXX, the creditor is Comenity Bank.