23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I contacted XXXX XXXX via support chat to ensure that my account had been fully closed out and that there were no payments owed. I was told that I needed to return the " XXXX XXXX '' and that they would send out a return kit for it, and that would satisfy everything owed to XXXX. When the kit came, I put the XXXX device in the bag, and took photos of it. I dropped it off at XXXX and got a receipt for it. On XX/XX/XXXX I got a collection notice from I.C. System claiming that I owed {$160.00} to XXXX as the " original and current creditor '', without any contact from XXXX except the aforementioned support chat. On XX/XX/XXXX, I sent a certified letter to I.C. System disputing the claim and requesting a full explanation of the alleged claim. I received NO RESPONSE from I.C. System. On XX/XX/XXXX, I received notice from Experian that my credit report had a new entry, and I found that I.C. System had improperly placed a derogatory report on my account. I.C. System never responded to me in my request for explanation of the alleged amounts owed, and just placed a negative report on my credit history.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX [ Credit Reporting Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Subject : Dispute of Fraudulent Account on Credit Report To Whom It May Concern, I am writing to formally dispute an account listed on my credit report as it is fraudulent and was not authorized by me. I believe my personal information may have been compromised due to a data breach, leading to unauthorized and inaccurate information on my credit report. Below are the details of the disputed account : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Account Type : Collection Account Account Status : In Collections Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amounts : Original Amount : {$730.00} Current Balance : {$730.00} Amount Past Due : {$730.00} The account in question is not mine, and I did not authorize this transaction or any associated activity. This unauthorized account has caused harm to my credit standing and is inaccurate. I kindly request that this account be removed from my credit report immediately to correct this error. 

Enclosed with this letter, I have included the following documents for your reference : A copy of my credit report highlighting the disputed account. 

A copy of my government-issued ID for verification purposes. 

Any supporting documentation proving this account is fraudulent ( e.g., police report, identity theft affidavit, etc. ). 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report. Please investigate this matter and remove the fraudulent account promptly. I request written confirmation of your actions regarding this dispute. 

If you need further information or have questions, please contact me at XXXX or XXXX. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am a consumer whos fully aware my property, or card was closed without my consent or authorized use. I am aware this company, capital one has been also committing fraud and using deceptive, abusive debt collection practices. As of XX/XX/2018 you charged off the account with a balance over {$600.00}. Capital One has not provided a copy of a 1099C. Capital one has furnished consumer reports to consumer reporting agencies on my behalf. I have not provided any direct consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion today regarding my credit report. I saw that on my most recent copy of my credit report that there were a total of 15 fraudulent credit inquiries listed on my credit report from various creditors including credit cards and auto loans. I did not apply for any of these accounts and notified transunion of this. I asked Transunion to place these inquiries under a fraud dispute investigation and was told by the representative on the phone that they can not dispute any credit inquiries on credit reports even if they are related to fraud. Transunion is in violations of the FCRA by not disputing information on my credit report related to identity theft. I am filing a complaint against this company for that very reason. A credit bureau MUST dispute anything on a credit report that is related to fraud or they are in violations of the FCRA. I demand that the following inquiries be disputed on my credit report immediately. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX   XXXX  XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX.
Product: Mortgage

Currently, I have a  XXXX  mortgage with  OCWEN Loan Servicing. Over th e last 3 months I have noticed that the payments are being applied to my checking account for deposit close to the late notice deadline, the  XXXX  of each month. In fact, two months back, I was charged a late fee although the payment was sent on the first of the month, before the deadline. I immediately started to receive threating foreclosure calls to my home. This prompted me to start tracking check deposit dates which in all cases were close to the   XX/XX/XXXX .  This month,   XX/XX/XXXX   the payment was mailed with 2 day delivery ( through the postal service ) and the check was not deposited until  XX/XX/XXXX .  <P/> I am concerned that this company is being intentional about late payments and perhaps derogatory credit rating. It was troubling that with a late payment ( which was their delay ) that calls started immediately to home threating foreclosure.  <P/> I am concerned about this company and their practices.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2024, I uploaded a dispute letter to Experian through their online portal, requesting an investigation into several inaccurate items listed on my credit report. In my dispute letter, I explicitly asked Experian to provide specific information on how they verified the accuracy of the disputed items. The details I requested are as follows : The specific date on which Experian initiated contact with the creditor regarding the disputed item. The complete contact information for the creditor, including their business name, address, and any available telephone numbers. The full name of the individual at the creditor 's end who verified the accuracy of the disputed information. Method of Communication Used to Verify Information : The method ( s ) through which Experian communicated with the creditor to verify the accuracy of the disputed item ( e.g., phone, email, mail ). Confirmation of whether the creditor supplied any sensitive personal information, such as Social Security Number, address, and date of birth, during the verification process. 

Despite my clear and detailed request for this information, I have not received a response from Experian. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Moreover, consumers have the right to understand the process and basis upon which their disputes are resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car with Exeter Financial Corp that had a remaining balance. I contacted them and they gave me their debt collector information, XXXX. They agreed on a settlement amount of {$1000.00} and the debt would be resolved and removed from reports. I paid the settlement in full XX/XX/2020 and was told it would be updated 30 days. However, the account from Exeter is still showing delinquent on all 3 credit reports. This account is hurting my good credit standings tremendously. I've reached out to them several times to update this information but still have not received any updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Employer : XXXX, AZ XXXX XXXX XXXXt XXXX XXXX XXXX, Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is NO verification of debt. Or that this debt even belongs to ME its reporting as collection on my credit report. This is causing me to no be approved for things its disturbing my lifestyle. I have reported this account several times as fraud. The constant phone calls, text messages, voicemails are completely out of hand every single day, all day LITERALLY. I have had ENOUGH. There are so many laws and violations that's happening I'm not going to sit back and keep letting this XXXX keep happening to me.
Product: Debt collection

Specifically, Capital Accounts failed to provide me with any written debt validation notice regarding any alleged debt before reporting any information to credit bureaus. They failed to provide me with any notice at all of my rights to dispute the validity of such debt within 30 days. They failed to provide me with any notice of my rights to obtain the name and address of the original debtor within 30 days. They failed to verify that I am responsible for this alleged debt. They unlawfully designed, compiled, and furnished information regarding a debt allegedly owed to a creditor knowing that such information was intended to create the false belief to credit bureaus that their company is participating in the collection of and attempting to collect an alleged debt that I allegedly owe to a creditor, when in fact, they are not in any authorized capacity to do so and no creditor has given any such authorization. 

I requested in writing that they provide me with all of the documentation listed below and they responded with the attached letter only that their client, " XXXX XXXX '', authorized them to report the debt as a collections account to credit bureaus. They did not provide any documentation to verify that I owe any alleged debt. They did not provide information regarding services rendered for the alleged debt. They did not provide the full mailing address of the original creditor for the alleged debt. They did not provide documentation of any signed contracts or agreements with the alleged creditor. They did not provide documentation showing they have verified that I am responsible for this alleged debt. They also did not provide documentation showing they are licensed to collect debts in the state of New Jersey, which they are NOT. 

I have also have written to the credit bureaus regarding this matter and I am awaiting a response and hopeful deletion as well. Further, I contacted XXXX XXXX billing department and I spoke with them. They stated that I do not have any past due balances. They are my current medical care facility. Further, they stated that they did not authorize the collection activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I bought solar panels that never have worked correctly, now the business has went bankrupt and Im stuck paying for something I cant get fixed. The loan company said that they would call me about it a month ago and I havent heard anything. I just dont feel like I should have to pay for something that doesnt work and cant get fixed!
Product: Checking or savings account

Subject : Formal Complaint Against Cash App for Unauthorized Account Actions & Retaliatory Customer Service Block Company Name : Cash App ( Block, Inc. ) Product/Service : Mobile Payment Platform & Debit Card Issue Type : Unauthorized Account Restrictions/ Withheld Funds / Retaliatory Customer Service Block Details of the Complaint : I am filing this complaint against Cash App ( Block , Inc. ) due to multiple violations of my consumer rights, including : 1. Unauthorized Deactivation of My Debit Card Without Notice On XX/XX/2025, I discovered that Cash App had deactivated my debit card without prior notice or authorization. 

This prevented me from completing an important business transaction, causing financial harm. 

As a result, I was forced to use an alternative bank account, incurring an avoidable fee of {$2.00}. 



2. Unlawful Blocking of My Fund Transfers On XX/XX/2025, I attempted to transfer funds from my Cash App account to my linked bank account, but Cash App blocked my transaction without justification. 

This resulted in additional financial hardship, including {$12.00} in unnecessary fees. 



XXXX. Unjustified Removal of My Linked Bank Account Cash App removed my linked bank account without my authorization, preventing me from accessing my funds. 

This action violated the Electronic Fund Transfer Act ( EFTA ) 15 U.S. Code 1693, which prohibits financial institutions from unreasonably restricting consumer access to their own funds. 



4. Denial & Retaliatory Blocking of Customer Service Access When I initially discovered my debit card was blocked, I was able to reach a Cash App customer service agent. 

However, after this initial call, my ability to reach customer service was completely blocked. 

This retaliatory restriction on customer service access further prevented me from resolving my account issues. 

Regulation E ( 12 CFR Part 1005 ) requires financial service providers to allow customers to dispute transactions and obtain support, which Cash App has failed to do.

5. Financial & Reputational Harm Due to Cash Apps unlawful restrictions, I experienced financial loss, emotional distress, and reputational damage. 

While opening a new account at XXXX XXXX, my Cash App card was repeatedly declined, leading me to wrongfully accuse the bank employee of discrimination. 

This issue caused embarrassment, wasted time, and harmed my credibility. 




Relief Requested : I demand that Cash App : 1. Immediately restore access to my account, debit card, and linked bank account.

2. Refund all financial losses ( {$6700.00} in total damages, including lost time, fees, and emotional distress compensation ). 


3. Provide a written explanation for the unauthorized deactivation of my card, blocking of my transactions, and denial of customer service access.

4. Ensure future compliance with federal and state consumer protection laws.

Cash Apps actions violate multiple consumer protection laws, and I expect the CFPB to investigate this matter thoroughly. If my complaint is not resolved in a timely manner, I will pursue legal action.
Product: Debt collection

I was applying for credit to purchase a vehicle and kept being denied due to a public record or collection filed according to the denial/rejection letters I received ; after being denied more than 3 times I requested and received my Credit Report/file and saw where there was an account in collections for XXXX XXXX for {$490.00}, once I saw this on my credit report/file, I placed an initial fraud alert on my credit file and contacted the Collection Agency at that time ( XXXX XXXX XXXX ) and reported this account as fraudulent due to Identity Theft, and informed the person I spoke with that I'd never opened or have had an account with XXXX XXXX, neither had I lived at the address or even in the County of  the address to which the account was attached to according to my credit report ; I filed a police report in my home County with the Sheriff 's Office as well as doing a Federal Trade Commission Identity Theft report, after which I mailed the police report in addition to copies of other items ( Driver 's License, check stubs, mail ) to prove who I was and where I lived to the three Credit Reporting Agencies as well as the Collection Agency ( the 1st one ) acting on behalf of XXXX XXXX ( XXXX XXXX XXXX ) and after a few weeks it was removed from my credit report/file ; now according to a recent request of my credit report/file, I saw where it was and is being reported again as collections starting back in XX/XX/2019 ; now two months have passed and this remains on my credit report as a negative item under a new Collection Agency ( Online Collections ) as an account in collections ; at this point I don't know what to do, Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a letter to Experian expressing my concern regarding a payment showing as 30 days late on my XXXX XXXX account from XX/XX/XXXX. I requested documentation proving this payment was in fact late, and if they were not able to provide, to update my account to paid as agreed, never late. I received an online alert that they verified the information and closed the dispute. However, this is not sufficient documentation verifying the supposed late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX, DE XXXX Requested on XX/XX/XXXX Requested on XX/XX/XXXX Requested on XX/XX/XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX TX XXXX XXXX XXXX  OH XXXX Requested on XX/XX/XXXX, Requested on XX/XX/XXXX Requested on XX/XX/XXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Requested on XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of FCRA.
Product: Checking or savings account

On XX/XX/XXXX my account was blocked without notice from Citibank. At the time there was {$1000.00} in my account. Friday, XX/XX/XXXX my payroll was directly deposited into my account from my job. The total amount of the deposit was {$2700.00} ... at the time the balance in my account was {$3700.00} My account was still blocked and I was unable to access my money. I called the bank several times and was hung up on with the phrase " your account is under review and I can't talk to you! '' This went on for several weeks. 

I was unable to pay my XXXX rent due to my XXXX paycheck and other funds being held without cause. I went into the bank to get help and was told that my money was returned to my employer and I should ask them to reissue. 

As of XX/XX/XXXX XXXX  has confirmed that Citibank never sent my payroll + the {$1000.00} that was in my account. 

Due to this my credit cards were frozen until I provided an explanation for why my payments were returned. I was unable to buy groceries and pay my utilities. 

To date : XX/XX/2021 I still have not received my {$3700.00} that was stolen from account by the employees of Citibank. 

I am a small business owner and this has ruined my business for the Summer. I have lost so much money not being able to set up at the XXXX market with my organic products. This one gross act by the bank has costs me nearly {$20000.00} in revenue at the XXXX 's XXXX.
Product: Debt collection

Both Exeter Finance and XXXX XXXX XXXX, pursued a judgement against me in XXXX XXXX, XXXX, The judgement was n't granted due to : No payment was made from me since XXXX and I acknowledge this in court and the statute of limitations ran out for both companies to pursue a judgement. On my credit report it was dated that Exeter were remove its account in XXXX XXXX, because the 6-7 year reporting time were expired, so far both companies have reported illegally that I 've made payments since XXXX & XXXX, this is n't true and I would like both accounts removed off my credit immediately. Or, I 'm suing them and the credit bureau for consisted inaccuracies, out dated information. I also have documentation from the judge. Thank you, Please Help Me Put An End To This
Product: Money transfer, virtual currency, or money service

This has been happening for over several months where cash app have glitches, outages and money is being sent to people I did not send money to, my card is being authorized at hotels, stores that I have not authorized and being locked out my account and having to get back into my account several times
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 XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score.

The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX