23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that 4 to 5 accounts have been opened under my name without my knowledge or consent. These accounts include charge-offs and collections, which have negatively affected my credit score and financial reputation. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized any of these accounts or transactions and I have been a victim of identity theft 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

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have received numerous calls from the lawfirm weltman weinberg & reis and have explained time after time multiple facts to them. First, I want a debt validation letter from whoever they are representing per FCRA guidelines. I have received no validation of any kind. Second, after I receieve this letter I inform whatever representative for this law firm that I want a cease and desist on all collection efforts including phone calls and letters. I continue to receive multiple phone calls after requesting a cease and desist multiple times. This is a clear violation of any Cease and Desist guidelines and TCPA regulations. The next step in this process will be having my attorney review any and all collection efforts and moving forward with litigation. As I have stated I have been quite clear in the countless times this law firm has contacted me. It has never been a different representative each time they call and I explain the same information to each one. I want a debt validation letter, after I receieve the letter I want a cease and desist regarding all communication efforts but have seen a total lack of understanding and awareness to FCRA, TCPA and Cease and Desist laws
Product: Credit reporting or other personal consumer reports

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the XXXX notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS XXXX NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN XXXX  MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry ( s ) To Whom It May Concern : I have been contacting Equifax to inform them that these hard inquiries listed below were not authorized by me and I wish to have them deleted. Some person or persons within ( Equifax XXXX Consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, Equifax are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 



As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties. 

Here are all the unauthorized credit inquires on my report that should be removed immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX
Product: Vehicle loan or lease

Myself and my business were devastated after the federal flood disaster in XXXX. My business was forced to nearly close it 's doors, and my personal finances were completely liquidated. We were unable to catch back up and missed payments up to the time I returned my vehicle at the end of XXXX. I attempted several times to ask for deferred payments during the disaster and they denied all request. I asked to settle the matter and the denied the request. This company is Chrysler Captial www.chryslercapital.com
Product: Credit card

I have been with CitiBank Best Buy Visa since XX/XX/XXXX when I signed up for a Best Buy Credit Card and purchased a XXXX XXXX XXXX and tv stand for around {$2300.00} ( of {$5000.00} ). Since XX/XX/XXXX, I have been making payments every month since per their promotion, I get 0 % APR for 24 months ( ending XX/XX/XXXX ). I have made payments of {$100.00}, {$110.00}, {$270.00}, and {$100.00} going on for 4 consecutive months. The {$270.00} was extra because I made some purchases on Best Buy and XXXX, so I payed more to cover what I just purchased. Today ( XX/XX/XXXX ) I checked my balance on my account and noticed it was {$2300.00}. This confused me because the balance should be a lot lower. I called Customer Service and the first person was very rude. She hung up on me. The second person could not properly explain why my balance was higher. Where did this {$600.00} that I paid for go? Why is my balance higher than my original purchase? Almost as if none of those payments went through, yet according to my bank ( XXXX ) they have. And I have screenshots on my credit card account that they went through. In total if you don't count my payments and those additional purchases, I would owe around {$2500.00}. If you subtract that it would be around {$1900.00}. So where is this extra charge coming from? I triple checked all purchases made on this card and it all added up to around {$2500.00}. I also subtracted my payments ( that I made on time and paid more than the {$30.00} minimum ), yet where did this $ go? Which leads me to believe that Citibank has frauded me. They have taken that money and have not applied it to my balance. They were also very uncooperative and that first person hung up on me. I told them that until the issue is fixed to put a hold on my credit card and that I would not be submitting any more payments since the next is due on XX/XX/XXXX. I have XXXX other credit cards over the past 3 years and have never experienced anything like this. It is very odd and these other purchases made were very recent and would not have interest accumulated. After researching I hear they have done this to other people? This is greatly upsetting because I could not afford this TV upfront so I guess fell for the Best Buy credit card scam. This is ridiculous that my balance is not lower. Even more so that I have been a good client and have paid every month on time and more than the minimum. I specifically had {$100.00} set up because I calculated how much it would cost over the 24 months. Yet this company has taken my XXXX money ( I am a Permanently XXXX Veteran ) and has not applied it to this balance. Something needs to be done. Someone needs to hold this company 's malpractices accountable.
Product: Credit card

Hello, I booked a ticket for my husband through Citibank 's " Travel Site '' feature on XX/XX/year> on XXXX XXXX from XXXX XXXX to XXXX XXXX. On XX/XX/year>, through an error on their system that Citibank has admitted to, they cancelled the flight with XXXX XXXX. However, neither side actually informed me or my husband that the ticket had been cancelled. Citibank says a refund usually comes within XXXX hours, and nothing appeared, so there was no reason to suspect there was an issue with the flight. 

When my husband showed up to check in at the airport, the American agent told him that the ticket had a pending refund request and he could not get his ticket. The only option he told him was to purchase a new ticket for {$490.00}. With limited time and no other options, he simply had to purchase the ticket. 

Since then, he and I have both followed up with both Citibank and XXXX XXXX multiple times. Both sides blame each other, no one seems to understand the issue. Citibank says the issue is he didn't show up for the flight. XXXX says it was cancelled and there was nothing to do. 

This is a tiny amount of money for these companies, but a large amount for us. Can we please find a resolution?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, And XXXX XXXX XXXX  Account # 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: Mortgage

Hello, I submitted a refinancing application to Quicken Loans for XXXX of our XXXX homes in order to pay down some unexpected debts. My loan application was approved pending an appraisal of the property. After sending all the documentations to Quicken Loans. I was asked to provide many years of tax information going back to XXXX and I did that. Finally, they came back saying that they ca n't move forward, because appraiser could n't find a comp for the property ; which seems odd, because there are several rented properties in XXXX mils radius of our home. I asked for a copy of the appraiser 's report and they indicated that there was no appraisal and therefore I asked for a refund of my {$500.00} appraisal fee back and an explanation of the process. I have not received neither as of this morning. All they have said is that the appraiser could n't find a Comp. Our rental agent has several properties that he is managing in that area. I understand the separation of broker and appraiser as a result of changed policies after the crash of XXXX ; however, there is clearly a problem with this process because there are available Comps for our property. It seems to me the Quicken Loans did n't want to move forward with this loan and I can accept that. It 's the reason that they are providing that is troubling for me. I have shared this reasoning with several realtors and none of them have heard this reasoning before.
Product: Money transfer, virtual currency, or money service

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Against Cash App for Wrongful Denial of Dispute and Account Closure To Whom It May Concern, I am writing to formally file a complaint against Cash App regarding their handling of unauthorized transactions on my account. Despite following all necessary steps to dispute these charges, Cash App wrongfully denied my claim and subsequently closed my account, alleging fraud on my part. 

On XX/XX/2025 I noticed unauthorized transactions on my Cash App account. I immediately reported the issue and filed a police report to support my claim. However, within just a few days, Cash App denied my dispute without proper investigation. They later requested that I verify my identity, which I promptly did. Despite complying with their request, they still closed my account and falsely accused me of fraud. 

Cash Apps actions have caused me significant financial and emotional distress. I believe they failed to conduct a fair investigation as required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their wrongful account closure and baseless fraud accusation have also prevented me from accessing my funds.

I request that the CFPB investigate this matter and ensure that Cash App properly reviews my dispute in accordance with federal regulations. I would appreciate any assistance in recovering my funds and addressing the unjust closure of my account. 

Please let me know if you need any additional information. I have attached copies of my police report and any relevant correspondence with Cash App for your reference. 

XXXX XXXX Thank you for your time and assistance.
Product: Vehicle loan or lease

Company refuses to refund overpayment after vehicle payoff. Keeps promising a refund payment but I have received nothing as of yet. 

I have made phone requests on : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> overpayment refund is {$170.00} My payoff check cleared and posted on XX/XX/scrub>XXXX
Product: Debt collection

Enhanced Recovery Co. Opened on XX/XX/2015 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not have an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Round LP was removed off my credit and not the credit bureaus have put it back on my credit. The original loan from 2012 was found to be in error. It was entire amount was removed by XXXX. This 2nd collection company put the interest on my credit report. that was subsequently removed now it reappeared on my credit. Again, I feel targeted by the credit bureaus. They refused to follow FCRA compliance initiatives and violate my rights as a consumer. The amount placed back on my credit report is XXXX
Product: Money transfer, virtual currency, or money service

First Hawaiian Bank either lazy or not willing to release the money to XXXX XXXX XXXX in XXXX. See attachment for detail.
Product: Credit reporting or other personal consumer reports

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Product: Credit card or prepaid card

My problem started on XX/XX/2018 when XXXX XXXX XXXX credit union transitioned from one credit card company to another. the new credit card company was ELAN FINANCIAL previous credit card company was XXXX XXXX I was unaware this was happening. The issue was that during this transition. my payment was refused. When I called about this twice, I was assured my credit would not be affected. When payment was finally allowed on XX/XX/XXXX. I was reported as 60 days late. this is a lie. I filed 2 disputes, no help. Then and spoke to Elan Financial rep who said it was incorrect and would be corrected. I wasn't convinced and closed the acct, as a matter of principle. Last dispute with XXXX  again not corrected. I take this matter personally as I always make my payments on time, and have held some many of my credit cards for decades without a late payment. I just wast this corrected. it was their refusal to accept payment on two separate occasions that caused this it also cost them a customer.
Product: Mortgage

I purchased a home through a local bank in XX/XX/XXXX at which time I was told to file for homestead exemption in XX/XX/XXXX. The mortgage was subsequently sold to Freedom Mortgage. I filed and subsequently received homestead exemption from the local taxing authority and was directed to inform my mortgage company ( Freedom Mortgage ) of the new estimated tax bill in order to have an escrow re-analysis performed to update ( and lower ) my monthly mortgage payment which includes insurance and taxes. I sent Freedom Mortgage the letter from the taxing authority informing them of the approval and new estimated taxes on XX/XX/XXXX. I was told at that time that the escrow re-analysis would take place within 30 days. I called Freedom Mortgage multiple times in the month of XX/XX/XXXX to receive updates on the escrow re-analysis process and was told it was in the works and that it would be resolved byXX/XX/XXXX and that my new payment would be reflected on my XX/XX/XXXX mortgage statement. I called on XX/XX/XXXX to get an update on the process after having reviewed my XX/XX/XXXX billing statement and noticing no change. I was promptly told that I would have to wait a full 12 months until XXXX for the escrow re-analysis to take place when the XXXX tax bills are generated meanwhile paying double into my escrow account at the non-homestead exemption tax rate. I expressed my displeasure to the representative at the disservice and the fact that I had followed all steps required by Freedom Mortgage in the XX/XX/XXXX phone call. By not re-analyzing my escrow amount, I am paying into escrow nearly double the amount of taxes I will be charged. This money could be used elsewhere or invested. Instead, it is tied up in escrow and will be refunded to me in XXXX due to an overage.
Product: Credit reporting, credit repair services, or other personal consumer reports

JH PORTFOLIO DEBT EQUITY, LLC {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

I challenge the accuracy, reportability of this listing.

There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my report that I don't think is accurate and when I call the only number I can find they have no record of me but it still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It may Concern, I am writing this letter in regards to my Capital One Account. 
The account that I had with Capital has been paid in full and is not being reported on my credit report correctly. A letter was sent to me about my account and stating that the account was updated. As of today my information from the Credit Bureau have not been updated.
Product: Debt collection

A scam company representing itself as Synchrony Bank. Fraud asking for social security number calling from XXXX A letter was sent to my home address ( 6 digit zipcode ) claiming to be from Synchrony bank dated XX/XX/2000. First off, QVC does not have a credit card operations department as Synchrony bank is the issuer of the store credit card. Secondly, there is no dollar amount of " balance '' to be paid as well as no account number or ID indicating an account. 

According to this letter, it appears to have been sent from QVC because QVC 's address is listed at the bottom. I called QVC and my account is perfect with no issues. QVC gave me a legitimate number to Synchrony bank and according to their records, no such letter was sent. 

i called the number listed and foolishly gave them my social security number. i called back the number listed XXXX and asked to speak to a XXXX XXXX in credit cards operations. employee had no idea who she is and never heard of her. Said " employee '' of Synchrony bank is elanor and ID # XXXX
Product: Credit card

On XX/XX/23 a credit card was opened fraudulently under my name at XXXX. I contacted Comenity Bank when I received the statement in the mail to dispute as fraud. At the time, they told me other credit accounts were attempted to be opened under my name but declined. They then opened an investigation. On XX/XX/23 I received a collections call from Comenity regarding this account. When I told them that I disputed this account as fraudulent, they told me their investigation came back inconclusive due to the locality of the transactions and so the charges were deemed collectible. The charges made were across the states of NJ and NY, all not by me. The card was maxed out within a week or XXXX and I was only made aware of the card ever being opened when I received the first statement in the mail. I do not agree with the findings of Comenity Bank 's investigation and maintain that this is a fraudulent account and I never opened a credit card or authorized purchases at XXXX in any of the localities per the investigation report. I have requested a copy of Comenity Bank 's investigation report and am waiting to receive it.