23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am locked out of my house. I am temporarily living with my XXXX XXXX  while recovering from multiple hospitalizations. 4 hospitalization stays in the last 2 years. Last discharge date was XX/XX/XXXX. Last long term stay XXXX XXXX XX/XX/XXXX. I have a year from this date to return home. My medication is being adjusted and because of my age and weight its a slow process. I have also had to evict my grandson from the property as he was stealing from me and abusing me while I was living with him. All of my money was taken by him to gamble away. There is a elder abuse case in XXXX XXXX XXXX. My XXXX  arranged for the reverse mortgage and then he stole the money from the house. The money was deposited into my checking account and then he transferred the funds into his account. XXXX XXXX bank failed to monitor bank account transfers, they should have caught the illegal transfers my son made. My XXXX  is deceased and I cant do anything about that now. It took me a year to get my grandson out of the house and then XXXX XXXX XXXX, hired by XXXX  mortgage, entered my home illegally. They said it was abandoned. It was not. I had a lock box on the front door because I was having repairs made. My XXXX caused a lot of damage. He sold off a lot of my possessions. My XXXX XXXX  called guardian asset management and notified them that they had taken possession of my property and it was not abandoned. My property manager has been over several times and the lock box remains. They changed the locks on my house and I dont have the keys. It has been 2 weeks since they were notified and I still cant get into my own home. The property has a reverse mortgage and they are trying to force me out! I have never received a penny for my house! I was scammed by XXXX XXXX and the mortgage company. I never knew he could take cash out. I have vision problems and cant see very well. This is being typed by XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

company never contacted me about debt or gave me an opportunity to dispute. did not find out about alleged account until they reported it to bureaus. disputed through bureau. they " verified '' account without documenation
Product: Checking or savings account

On XX/XX/24 I attempted to make a purchase using the XXXX XXXX feature for SoFi bank, moments after it got declined they also decided to freeze my account. I immediately called SoFi and they told me they dont know when it will get unfrozen and to just monitor my account. I have called many times during this month trying to fix this problem and all they respond is with just keep monitoring your account. I haven not been able to receive direct deposits or access any of my money in the Savings or Checking account. SoFi customer service is truly disappointing and i just want this fixed as soon as possible.
Product: Vehicle loan or lease

I am submitting this complaint against Bank of America, as an investor and bonafide purchaser, because I have submitted 2 registered securities to them as gifts to the U.S. Treasury to aid the public debt and to settle account. This first registered security was sent to on XX/XX/2023. The second security was sent to them on XX/XX/2023. They did not settle the account, nor did they send me the Securities back as per ucc1 3-603. They instead sent me 2 letters, stating that I am responsible for the debt. They are commiting securities fraud and are not reporting the taxes on this transaction as well as trading my securities on the secondary market.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have had my ID compromised 3 times in the last 15 years. Through data breach and my wallet stolen. Once while working at XXXX in Pennsylvania. All my cash and CC were stolen. I called them all and cancelled info and cards. 
XXXX insists I have a CC through XXXX I do not/never did XXXX had me as having a card- I do not/never did The reporting agencies have me down for something from a place called XXXX.- no idea. 
XXXX card- I have never had one. 
There are also a tone of credit inquiries on my report that I have not initiated. From California, Arizona, XXXX XXXX and other weird inquiries. 
One of the agencies has my name as XXXX XXXX XXXX XXXX/ It is XXXX XXXX XXXX . 
At one point I was listed as living in Montana AND a XXXX XXXX XXXX in Maryland at the same time. They have me once residing at an address in XXXX that I have never lived at. 
A collection agency keeps reporting me for a XXXX XXXX from over 10 years ago that my insurance paid and my husband paid the difference by check. 
I have contacted the agencies and they send a letter to my home telling me they can not verify me. I dispute over and over again to no avail. I have lived at my current address for over 14 years. There was a loan co signed for my dead Mother who passed 13 years ago still on there.

I have only three active credit cards and they are in good standing. XXXX, XXXX and a XXXX XXXX mastercard. That's it. No mortgage, student loan or anything. 
These errors are killing me. I had hired a '' fix the errors '' company years ago but they were socking me {$89.00} dolloars a month and were only able to make a slight headway after 8 months.
Product: Checking or savings account

Subject : Urgent Resolution Request for Payment Delay Due to Recent Outage Dear Capital One Customer Service Team, I am writing to formally address an issue I am currently experiencing with the delay in receiving my direct deposit due to the ongoing technical outages at Capital One. 

As a valued customer, I rely on the timely availability of my funds to manage my daily expenses and financial responsibilities. Unfortunately, as of [ specific date ], I have not yet received my payment, which has caused significant inconvenience and hardship.
Product: Checking or savings account

I had a old account with usaa that was negative XXXX. I opened a new account and the money XXXX dollars I put in that account was taken to Pay part of my only account, which brought my balance to XXXX. A week or so later I had a direct deposit for XXXX go into my new account and I was told by someone that it was going to be held for 24 hours so they can take the money I owe and then he rest will be available for my use. Later I found out it would be 3 business days. This was told to me on a Thursday and again someone told me the funds would be available by Wednesday. I asked why all my funds were being put on hold when only a small amount of those funds are needed to bring my old account current. They said it 's just their procedure and here was nothing they could do. The next day I had a bill that I had already pushed back a couple times that I was going to pay with that money and I  explained this to multiple people that I needed that money. They could keep the money I owed them but to please give me the rest of it so I can make my payment and avoid reconnection fees. Again I was told by multiple people sorry nothing I can do and even if I closed my account I could not get my money out til the following week.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX credit card inding inXXXX that is not my card I told them that I had a card ending XXXX was paid off and this XXXX I dont owe this and they keep sending me pre approved credit if I owed and they are trying to collect why give me more credit not mine was sent to old address
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any account that was 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 information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I was 29 days late making loan payment. 
i paid XXXX XXXX 2016 before XXXX. They reported to credit agencies I was 30 days late. payment was due XXXX XXXX 2016 paid XXXX XXXX 2016. Springleaf financial
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX ) has Violated my rights. 

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

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My credit report I recieved on XXXX XXXX, XXXX is showing on XX/XX/XXXX I opened an account for a auto loan for XXXX. I did not do this! I never agreed to this loan. And I never had a joint account for any of my car loans. Please take this off my credit report and whatever was charged off my bank account replaced. Thank you, XXXX XXXX
Product: Checking or savings account

My direct deposit is being held due to " technical issues '' with Capital One. It should have been deposited by XXXX XXXX on XX/XX/2025. As of XXXX XX/XX/2025 no paycheck, no answers and unable get a human on the phone. I've been on hold for over 2 hours now with NO resolution.
Product: Credit reporting or other personal consumer reports

The accounts in question were sent to 3rd party collections in XXXX XXXX XXXX XXXX XXXX and was dissolved in XXXX, all credit reporting agencies have removed this account except XXXX. This account needs to be removed immediately. XXXX XXXX loan account XXXX and XXXX regions bank credit cards that have been modified as part of updates through XXXX and just increased the length of time, change of balance amounts and a lot more? These XXXX accounts were managed by XXXX XXXX XXXX while at XXXX XXXX XXXX XXXX and have since been removed from XXXX, XXXX and XXXX XXXX XXXX XXXX databases but still lingers on at XXXX? I have provided all original creditors with the Reference ID provided by XXXX and they just brushed it off as part of an ongoing investigation that does not require and investigation? Please reach out to these people and creditors alike and see what they will say to you.
Product: Debt collection

This was a PayPal synchrony debt which i paid and settled a while back, this was then handled ITEM IN DISPUTE : XXXX XXXX XXXX DISPUTE REASON : Accuracy This account is settled. 
This account is not a collection or charge-off. 

I have repeatedly told them to show me statements as the collection is invalid and also mailed them i dispute this but they have not provided any evidence XXXX XXXX need to delete this dispute
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Account number 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
Product: Debt collection

this account is a result of my identity being stolen I havnt authorized the use of my personal information regarding this account # fior ars account resolution # XXXX this is being fraudulently reported to the credit bureus and being held by your company.
Product: Credit reporting or other personal consumer reports

I am writing to report and dispute incorrect information on my credit report, which I previously contacted Equifax about on XX/XX/XXXX. Despite my initial communication, I have not received a response from Equifax to date. Below, I have outlined the details of the inaccurate information and the necessary corrections : Account with XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$590.00} This account is not mine, and I request its immediate removal from my credit report. 

Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} The balance provided for this account is incorrect and has adversely affected my credit reputation. I dispute the balance and request a revision of the Past Due information since it is inaccurate to present a Past Due amount for a closed and charged-off account. This account may have caused a drop in my credit score, and I am seeking resolution with my creditor. I request Equifax to mark this account as disputed to prevent further negative impact on my credit score. 

Account with XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00} I dispute the reported balance of {$6000.00}, as I recall it being lower. Additionally, the Past Due information should not be reported for a closed and charged-off account. I request Equifax to delete the Past Due information and mark this account as disputed to protect my credit score. 

Account with XXXX XXXX ( Account # : XXXX ) Date Opened : XX/XX/XXXX High Credit : {$13000.00} This account is not mine, and I request its immediate removal from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately, they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system 's leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises curious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX, I met with XXXX XXXX XXXX, the Assistant to the Vice President & Branch Manager ( XXXX XXXX  XXXX ) of Cathay Bank, at the XXXX XXXX XXXX, formerly a tea house. 
He expressed his unease with his colleagues due to their illicit conduct, leading to his resignation from the bank. He advised me to move the assets linked to the aforementioned XXXX CDs from Cathay Bank to XXXX XXXX XXXX for more favorable terms. 

XXXX conveyed instructions to me through written correspondence on how to approach the withdrawal of funds from Cathay Bank. The correspondence read as follows : " Hi XXXX, when you go to Cathay bank today. Please don't tell them that you are taking the money to XXXX XXXX XXXX. Thank you Just say you got a better rate with a credit union XXXX XXXX revealed a culture of deception at Cathay Banks XXXX branch, where inaccurate information was provided to clients. Employees were found to be concealing their wrongdoing in their interactions with customers. 

XXXX XXXX disclosed a pattern of deceit prevailing among the staff at Cathay Banks XXXX branch, where erroneous information was being propagated to clientele. The employees habitually masking their misdeeds in their dealings with customers. 
Additionally, XXXX XXXX also highlighted that XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both misguided me into forgoing the promotional rate of XXXX XXXX APY for a three-year term on XX/XX/XXXX, when I upgraded the new promotional rate for the XXXX CDs of my family. XXXX XXXX XXXX XXXX informed me that the promotional rate for the XXXX XXXX XXXX of XXXX would be XXXX XXXX APY for three years, and the bank manager, XXXX XXXX XXXX, likewise confirmed the promotional rate for XXXX to be XXXX XXXX for three years. However, they were deceiving me. Because the actual rate for the year XXXX was XXXX XXXX for a single year. 
Cathay Banks XXXX branch has acknowledged about the consumers financial loss due to their faults. But the bank has continued refusing to compensate the damage for their consumers. Cathay Banks investigation is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting these inaccurate accounts on my credit report. The accounts reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following accounts on the credit report are incorrect and need to be corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. # # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Basis for My Request TThese inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Vehicle loan or lease

Since XX/XX/year> Ive paid marine one over XXXX towards my loan and the balance has only dropped by XXXX dollars. This is usury and is illegal in the United states
Product: Credit card or prepaid card

I made a purchase on XXXX on XX/XX/2020 for a project that was funded called XXXX XXXX  made by XXXX. The transaction was {$180.00} and after a short period of time, I got an email from them that I can choose add-ons to the masks I paid for that I paid on XX/XX/2020 for {$71.00} for it. 
I have contacted XXXX regarding refunds and they denied that they ever promised a deliver on XX/XX/2020 and they told me they will be shipped on XXXX of XXXX. Ever since then I have been contacting Apple Card support with Goldman Sachs and they been putting my dispute through and every time it getting resolved against me stating you made the purchase. 
I told them many times that I did made the purchase but the seller never delivered and they denied me refund and they still after almost 8 months of delay have not send the items to me. 
If you would look at XXXX page of XXXX XXXX, you will see hundreds of comments of angry people like myself that paid hundreds and in some cases thousands of Dollars and non of them received their items. And that is because this company is committing a fraud and protecting themselves behind XXXX policy. XXXX legally is the company who collects the money and credit card companies go after them and not the scammers who XXXX pays the money to. 
This issue have taken 7-8 months of my time and at this point, there is zero chance of me letting it go and Apple Card Goldman Sachs finally sent me 2 letters with copies of privacy policy and terms and condition of XXXX as a reason of no refund. 
I have never had this issue with any other credit card company and I am deeply disappointed and dissatisfied of their service and I had to submit my complaint to you so perhaps you can help me get my rightful refund. 
Thank you in advance
Product: Credit reporting or other personal consumer reports

I requested that Equifax remove the delinquency report from my credit report because my account is current and is not to show 30,60, or 90 days delinquent.
Product: Mortgage

My mortgage was sold to Mr Cooper last XXXX. 

The mortgage is in a condo with an HOA. The condo has flood insurance through the HOA which we collectively pay for. 

Mr Cooper has forced me to buy flood insurance even though I have had phone calls in XXXX, XXXX, XXXX, XXXX AND XXXX explaining the situation. That I already have and pay for flood insurance through my building XXXX. 

On the phone, we notified them and submitted proof of flood insurance. They have still forced me to pay an ADDITIONAL {$400.00} / MONTH into my escrow account for insurance I already have. After XXXX XXXX of getting no-where with their phone service department, I am submitting this complaint.