23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

OneMain Finance call Me about loan I Applied for yesterday XXXX XXXX said I was Approved for {$15000.00} they were going to Pay My XXXX XXXXXXXX XXXX {$8300.00}... I was going to get after the XXXX was Paid {$7500.00} on My Debit card ... XXXX said within the Hour the Money would be on My Card... 
Everything was set I Underwriter Approved and I was in the Closing Room gave All My Information Debit Card so they Can Deposit My Loan after an hour in the waiting on papers from My Insurance company to fax them and get My Money Deposited in Debit Card... 

XXXX ( Agent ) came after Assuring Me I was Approved just wait insurance papers to come.. 

Then After waiting XXXX came said Underwriter said I would Only get {$3200.00} after Paying the XXXX that is Not what We Agreed On... 
I Feel I Was Lied too... 
They ran My Credit Report and Now that Dropped My Credit score because of what they did ... and someone should be Held Accountable for what they done by Pulling Me into the Closing Room and then backing out of Our Agreement...
Product: Mortgage

XX/XX/XXXX our home was damaged during the Harvey Hurricane. Insurance paid  {$160000.00} for repairs. I sent the endorsed check to the loss draft department at US Bank. I have struggled to get money from them from day one. The first check of {$25000.00} took 30 days for them to return to me after they received the check. This stalling to pay me the money to rebuild my house has delayed me by at least two months. Every time I have called I have been apologized to and told " I am sorry XXXX XXXX but that employee told you something incorrect '' and the process starts all over again. I passed the 95 % completion on XX/XX/XXXX and was told my money would be on the way. Nine days later they are telling me they will not release the funds because the cabinets were no painted and two tiles were missing from the bathroom. 

I truly believe US BAnk is holding as much money as they can for the daily interest. My little {$160000.00} means nothing. When you add up the 300,000 homes damaged in the area, the daily interest on that would be huge. I have not been treated well by US Bank. What more do I have to do to see this complaint through to the end? 

The only reason I got two payments behind is because US Bank called us. They said " WE would like to help and offering a 3 months house notes differed to the end of the loan. At the end of 90 days they called and said we owed three house payments. How would that help us. We used what should have been house notes for repairs. How could setting us up with a changed story at the end of 90 days help anyone. I have never even been late on my house notes in 15 years. Now they are calling and threatening us by saying they " Could '' send us to foreclosure. 

So to recap. US Bank called and said we would not have a payment for 90 days, those payments would deffer to the end of the note. We used the mortgage money for repairs, they called at the end of 90 days and said they want all three payments. We are a payment behind. Behind because we used all of our money to get the house fixed because nUS Bamk is so slow getting us the money. Now they are holding the rest of the money and stalling our final payment of over {$90000.00}.
Product: Prepaid card

The company BLACK HAWK NETWORK stated that a refund check would be mailed and have frozen all of my funds by blocking my current virtual card ending in XXXX from being used at all. It has been XXXX weeks going on XXXX and still nothing. The Dispute claim number ends XXXX. Last email I have from them stated on XX/XX/XXXX was more info needed but I have sent everything they have asked for plus more.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

Between XXXX XXXX XXXX 2025 I was charged in total of {$370.00} in overdraft fees. The overdrafts were paid in full with direct deposits and the next next day I would get hit with more overdraft fees.

I had filed claims with the company and they are saying that I am abusing the claims section and they are now closing my account because of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XXXX, XXXX, and XXXX of XXXX I requested XXXX to place a security freeze on my account. 

On or about XX/XX/2020, the credit bureaus notified me that the inaccurate information being reported in my files were validated by XXXX. 

XXXX continues to furnish inaccurate information to XXXX, Experian, and XXXX 

In XX/XX/2020, I called XXXX and a senior rep advised me that they have no file matching my personal information I provided. When I hold them what the bureaus said, I was advised that all XXXX does is provide a data load file to these bureaus and the bureaus are the ones incorrectly matching accounts. 

XXXX claims to also have no relationship with the bureaus even after admitting they send a file monthly to them. 

The three bureaus further communicated with me that they went directly to the federal bankruptcy courts to verify and validate the reported items. 

In XXXX I contacted the federal courts bad the clerk advised that the fourths do not verify or validate any personal information with XXXX or the bureaus. 

At this point someone is lying and furnishing inaccurate information.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has intentionally reported an inaccurate charge off on my credit report even after I 've provided them with proof my car payments were deferred. On XX/XX/XXXX, my car was declared a total loss due to the flooding in XXXX, TX which was declared a natural disaster. I 've even continued to make my monthly payment until I noticed the online portal displayed my next payment was n't due until XX/XX/XXXX.I took it a step further and decided to contact XXXX to confirm this was correct. The rep reassured me that this was correct and not to worry about payments until XX/XX/XXXX. This is because my insurance company paid off XXXX but I was left with a remaining balance of about $ 4k since I did n't have GAP coverage. I take full accountability for the amount owed! 
Months later, in XX/XX/XXXX, I started receiving calls that I needed to start making monthly payments immediately. I advised the rep that my payment were deferred and they stated that I was originally given the wrong information. I informed XXXX that I 've taken on another car loan and could n't afford to pay on it at the moment but will pay what I can since my payment were technically deferred. No one from XXXX has wanted to take accountability and accommodate me with what I was originally told. I 've even provided XXXX proof of the information displayed on their website at the time and asked them to pull the calls. XXXX has done nothing but advised me to contact the credit bureau to have the charge off removed. I 've last spoke with XXXX from XXXX on XX/XX/XXXX at XXXX. Her contact number is XXXX Ext:XXXX. We were trying to come to a payment agreement but unfortunately, I could n't afford to pay the large lump sum payment she requested. However, I did pay {$94.00} towards the balance. Even in this conversation, she told me to contact the credit bureaus to have them remove the charge off because nothing can be done on her end. Prior to contacting XXXX, I 've already submitted multiple disputes online. I 've even sent letters to each credit bureau via certified mail on XX/XX/XXXX and they continue to leave the same remarks " Charge off, customer disputes after resolution, meets FCRA requirements. '' I 'm convinced the credit bureaus has n't even investigated this matter because the information is still being report inaccurately although I 've presented the credit bureaus and XXXX with the burden of proof to justify my claim. Its sad because I was a loyal customer with XXXX and never missed a payment before my car was totaled. Once this remaining balance is paid off, I will never use XXXX and will likely spread the word of how this company operates unethically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Student Loan that was transferred to XXXX. The last payment was XX/XX/XXXX which was a co-signer release. I never received information in whether this was approved or not. I cant tell if it was applied to my balance. The account had since been closed and charged off. The private loan is still reporting as if the account is open. On my equifax report, it shows my last payment was XX/XX/XXXX. This is incorrect. It has since this date been reporting negative as well as charged off. This is like double jeopardy. This makes no sense. I have requested that the company fix this several times. Because of this, I believe this account should be deleted from my record. This is unfair treatment to consumers.
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 proce 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 ( 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.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 

I brought these fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from the First Cred deb collector of {$9000.00}. I don't understand why I have to pay this amount, I visited the XXXX XXXX two times for a XXXX XXXX XXXX XXXX XXXX, and I make a payment that day. 

Reference number : XXXX Date : XX/XX/2023 2023
Product: Checking or savings account

I read about how I was supposed to be contacted by Wellsfargo about the money that they owe their customers and how they are supposed to inform us. I have not been notified about them breaking numerous consumer financial protection laws.
Product: Mortgage

Unfair and deceptive acts performed by Paramount Equity Mortgage Company has caused financial injury and strain for my family in several ways. 

In XXXX 2016, I was initially contacted by Paramount as result of inputting my information with an online mortgage broker company, namely, XXXX XXXX. My interest was to refinance my home for the first time in 10 years. I was in contact with a few institutions to explore opportunities. However, Paramount Equity gain our interest and attention with verbal and written promises such as, 1. {$500.00} guarantee that they 'll beat competing offers. 
2. Immediately submitting paperwork to lock in a very good rate ( better than average ) 3. Closing in less than 30 days 4. Being a smaller company permits them to waive excessive fees. 

Within two weeks I signed and provided every document necessary to close. Suddenly, correspondence had stopped. I tried daily and multiple times to contact my representative ( XXXX ) to get an update but no response. 1 week later I was contacted by Paramount and was notified that my original representative decided to leave the company for unknown reasons. However my new representative ( XXXX ) took over and made similar promises and proceeded. Immediately he wanted to change the terms of my initial contract. I complied and signed. Then I did n't hear from him for weeks. A few weeks later he emailed and said he forgot to include important information that will eventually prevent us from closing. 

I 'm extremely disappointed and feel duped for several reasons. Paramount Equity Mortgage Company : 1. Did not disclose all risk in the initial stages. 
2. Seemingly creating problems to not close and revise terms as a result of over promising. ( They claim to not know I was married even after having my tax returns and other documents ) 3. Took {$500.00} for an appraisal that was absolutely unnecessary. 
4. Took 60 days to tell me they " forgot '' to include information at the beginning of the process that ultimately hindered my refinance opportunities with other institutions. 
5. I had a late charge on my current mortgage because of anticipation of close. 

I am absolutely convinced that Paramount Equity has serious problems with their compliance management infrastructure, such as training and internal controls. Attempting to conduct business with this company has been horrendous for my family and me. Currently we are attempting to start the process all over in spite the blemishes ( caused by Paramount ) on my credit report. This company should n't be in business as its causing great harm in the marketplace.
Product: Credit reporting or other personal consumer reports

My ID card and social security card also my XXXXXXXX XXXX was stolen from my car and had been miss used to open XXXX XXXX account and other things such as unclaimed money and property.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing of this letter is to inform that I am a victim of IDENTITY THEFT. I informed this company on XX/XX/XXXX about my identity theft issue. I am a victim of identity theft. My personal information was compromised and as a result, fraudulent charges were included on my account without my consent or authorization. I noticed Significant fraudulent changes around early XXXX and early XXXX. My account had various fraud charges throughout the year or two. As the law required that they delete this fraudulent account within four days from receiving my written consent, this company is still reporting this account until now. I am making it clear here that I did not benefit from anything whatsoever in this fraudulent activity. Attached herewith are all the documents I sent this company i.e. My dispute letter, My identity theft report e.t.c. I am also REQUESTING this company to please update the following information of mine : 1. my  phone is ( XXXX ) XXXX-XXXX 2. My email is XXXX Let it be noted that this is my final intent to solve this issue before I file a lawsuit against this company for reporting identity frauded accounts even after being informed of the issue.
Product: Debt collection

Company filed a garnishment on XX/XX/2020 After my complaint was closed by Harpeth Financial & XXXX XXXX XXXX closed the case on XX/XX/2020 with the Consumer Financial Protection Bureau. I made an over payment for XXXX On XX/XX/2020 for court fees.I am owed a refund of XXXX. I am not sure why this company has decided to come back when debt was paid off on XX/XX/2020. I verified with a representative from Advance Financial ( Harpeth Financial on XX/XX/2020 court cost was only XXXX in their system.. The extra XXXX paid to the courts covered the XXXX which left a refund balance of XXXX. XXXX XXXX XXXX ( Harpeth Financial are violating The Fair Debt Collection Act.. in short A debt collector cant legally say I owe more.. I have a complaint number in the system about collecting excessive fees with this company. It has been 7 months since this account was closed on XX/XX/2020.
Product: Debt collection

My credit is being destroyed by medical bills even though I have had insurance in the past year and had no idea that that would stop me from getting my financial life in tact and steady
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

XX/XX/ edd benafit card with bank of america .i didnt not recevice the card my imforfamtion was stolen and change of address was made after reliazing i never got my card and contacted bank of america to report why i never recieved my card and thier was XXXX made for the {$15000.00} on the card i never recieved endind in XXXX XXXX XX/XX/XXXX  i made a claim and disputed transactions that i did not make. claim # XXXX XXXX did everything they asked of me to do from documents to police report towards us postal mail /XXXX  servies send B.O.A reort number etc,, ive been checking on my claim stuts everyday snice XX/XX/ and still pending .back in XX/XX/XXXX  i received a letter from B.O.A stating i was getting credited {$15000.00} and never received no card no money and now the claim has not been resolved because its still being reviewed i would like to know if someone can help me with this matter its been going on 3years .thankyou
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

i am not liable for this debt with AMSHER COLLECTION SERVICES, I do not have a cintract with AMSHER COLLECTION SERVICES, they did not provide me with original contract as i requested
Product: Credit reporting or other personal consumer reports

ON XXXX I HAVE XXXX CREDIT INQUIRIES, AND ON XXXX I HAVE XXXX INQUIRIES THAT I DO NOT RECOGNIZE. I TOLD THEM ABOUT THE INFORMATION ON MY CREDIT REPORT SUCH AS MY ADDRESS IS NOT CORRECT SO IT IS INVALID. I ALSO REACHED OUT TO THE COMPANIES AND THEY TOLD ME THAT THEY DO NOT HAVE THE RESOURCES TO HELP ME. 

PLEASE CONTACT THE FOLLOWING COMPANIES ON MY BEHALF OR XXXX PLEASE XXXX 

- XXXX : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) - XXXX : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), ONEMAIN FINANCIAL ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX )