23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I took out a loan with XXXX and was making my payments on time and never missed a payment up until the time I fell on hard times and loss my job. I then ask them to stop debiting my checking account on the date they were taking it out. I ask the company if they could work with me and change my due date but they told me they could not because I did n't have enough funds to renew my loan. I explain that I did n't want my loan renewed I just simply needed my date change because my pay period had change because I change jobs with lesser income. Myself an my husband had an acooutn with this company but they were not willing to work with us. XXXX is a member of the community financial services as a member they agree to offer an extended payment plan to consumers but this was not offer to my husband and I and the change of the date was not offer to us. So after stopping the payments to be drafted out of my account I no longer heard from the company, now today XXXX I get an harassing call from XXXX telling me they are placing a claim against me and the original creditor was XXXX. So I asked XXXX XXXX when he called me from a south Carolina number could he send me correspondence in the mail about this debt so I can look over the amount and see if this is correct and they I can get back with him. XXXX XXXX then gets loud with me and told me I had enough time to get in contact with him to settle the debt I then told him me or my husband that the account was sold to them and I would need to look over the debt before I made a statement. XXXX XXXX told me that he would do what he had to do and good luck. I said ok sir. XXXX XXXX then calls back 5 minutes later and says mam what exactly are u going to do. I said sir I ask for correspondence in the mail about this debt and within 30 days I will give you a statment. XXXX XXXX was loud and not willing to work with me, so I ask that he did not call be back. XXXX sold our account to this XXXX XXXX XXXX and I was not aware and they never offer us any payment plans or anything during our financial hard time. I want the calls to stop and the account be written off due to lack of communication from XXXX and not offering us any type of assistance to help us with this account.
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 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 16 financial loss, and I seek appropriate redress For these violations.
Product: Mortgage

We bought our home through XXXX XXXX in XX/XX/XXXX and our VA loan was transferred to Freedom Mortgage in XX/XX/XXXX. On XX/XX/XXXX, my husband received a call from XXXX at Freedom Mortgage regarding refinancing our home. My husband said he would look at the documents that XXXX would send but we weren't considering refinancing at this time. We received the documents the following week, reviewed them, and decided we were not interested in refinancing. My husband emailed XXXX on XX/XX/XXXX after Freedom Mortgage had already called him twice about refinancing. He communicated to XXXX that we were not interested in refinancing. Freedom Mortgage has called my husband every day for two weeks ( beginning XX/XX/XXXX ) about this application despite the fact that we have told them we are not interested. They have even gone as far as to tell my husband it was an " emergency '' and he needed to call back. A different representative from Freedom Mortgage calls him each day. We do not appreciate this sort of aggressive refinancing marketing and believe they are trying to get more money from the VA through this sort of refinancing scheme.
Product: Mortgage

A family member passed away and in order to keep the house I assumed the mortgage from their spouse through a formal " mortgage assumption '' provided by Caliber Home Loans. After approval of the mortgage assumption, the closing process was completed XX/XX/XXXX. My family has since moved into the house. During the closing process the loan officer at Caliber went on vacation. One week after closing I began to reach out to Caliber every few days via email and phone to get a method of payment such as a statement or login and also to confirm the transfer of ownership was complete. Several weeks later I was told the former loan officer was no longer with the company and that the file is being reviewed. Caliber Home Loans has NOT contacted me with a timeline or any communication to resolve the situation. The mortgage is now over 30 days past due because they refuse to acknowledge and provide the transfer of ownership. As a result, my family is not associated with the account and they are not accepting payment. A VP at Caliber even contacted the ex-owner about having a negative balance. Caliber Home Loans wo n't refund the escrow or provide the lien release to the ex-owner despite the assumption process and closing taking place. This is causing an incredible amount of stress on everyone. If Caliber does n't resolve this now, it could negatively affect the credit of both the ex-owner and my family.
Product: Debt collection

XXXX XXXX XXXX / Pinnacle Credit Services , LLC is re-aging debt to the XXXX credit bureaus : XXXX, XXXX and XXXX. They are reporting the open date as XX/XX/XXXX. They refuse to send any documents validating the date they are reporting. I am including in this complaint, correspondence from the original creditor, XXXX XXXX, and the date the account became delinquent, which is XX/XX/XXXX. I am also including a bill from the creditor stating the date of services is XX/XX/XXXX. I am also including the pages from my credit report showing this company is reporting an inaccurate date and re-aging this debt, which is extremely illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name -XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct NAme : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX BANK Acct # xxxxxxxxxxxxxxxx XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX  XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPAs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Transunion complies with Federal law and provides consumers with the necessary proof of investigation. These are the accounts listed :, XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the correction and removal of inaccurate and outdated information on my credit file, which is causing financial harm and does not reflect my current creditworthiness. Specifically : Addresses : I request that all addresses except XXXX XXXX XXXX, XXXX XXXX, IL, be removed. This is my only valid address, and the others are outdated or incorrect. 

Collection Accounts : XXXX XXXX XXXX : I am disputing the collection account with XXXX XXXX XXXX for {$21000.00}. This account is not mine, and I request this collection account be deleted immediately. 
The Bureaus : I am disputing the collection account with The XXXX for {$320.00}. This account is inaccurate and should be removed from my credit report. 
XXXX XXXX Account : The XXXX XXXX account is inaccurate and should be removed from my report. The balance of {$1500.00} does not belong to me, and I request this collection account be deleted immediately. 

XXXX XXXX Auto Payments : The XXXX XXXX XXXX account inaccurately reports late payments. I have made all payments on time, and the account should reflect a perfect payment history. I request the removal of any reported late payments. 

XXXX Accounts : All closed accounts should be removed from my credit report, as they no longer reflect my current financial standing and are unnecessarily impacting my credit file. 

Bankruptcy : The bankruptcy reported on my XXXX file is inaccurate and should be deleted entirely, as it does not apply to me. 

I am a victim of the Equifax data breach, which compromised my personal information and has likely contributed to these inaccuracies. I request the CFPBs assistance to ensure these corrections are made promptly and in compliance with the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

I used XXXX the money was gone and refunds provided
Product: Debt collection

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiries 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. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.
Product: Credit card

XX/XX/year>2025 Wells Fargo bank posted a balance transfer of {$9000.00} and {$450.00} transfer fee without paying off XXXX bank balance of {$9000.00} first and after that they could legally post this {$9000.00} as a balance transferrer transaction from XXXX bank.
Product: Debt collection

HS Financial Group contacted me about an alleged debt, but when I asked in writing for proper, detailed validation, they sent copies of random billing statements that appeared questionable and suspect. ( My response to HS Financial Group is attached. )
Product: Credit card or prepaid card

I know the company will not doing anything about my complaint and they won't budge, much like with the other disputes I have filed a complaint about, and where I actually had proof of my claim ... Just filing the complaint so that I can show the credit bureaus and whatever debt collection agency the company sends after me that I have a complaint on file ... 

Company is denied my dispute against a charge from XXXX for {$190.00} from XX/XX/20 stating that I need to show proof of my return. However I told them back when I first filed the dispute that the merchant refused the return ... How can I show proof of a return when there was no return?? IDIOTS ... 

They also rebilled my account for another charge I had disputed against the same merchant from XX/XX/XXXX for {$100.00}, for the same type of incident ... Please know that due to the pandemic, most stores were very and in some cases are still, strict regarding certain things being returned.
Product: Credit reporting or other personal consumer reports

Equifax failed to conduct a TIMELY reasonable investigation required under FCRA 611. 
I want this erroneous account removed from my equifax credit report immediately. 
I submitted my dispute via CFPB portal on XX/XX/year> CFPB # XXXX. 
I never received any results from Equifax even after they assured me that they were sending me the results but I received absolutely NOTHING from equifax! 
This account is reporting illegally and should be removed due to violations commited by Equifax. 
XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

A credit of nearly {$200.00} exists on my credit card. Consequently a refund has been requested. XXXX id # XXXX was asked to send the refund to the same address, the only address, they have on file which is the address where they send my billing statement. The employee refused to send my refund although she had my account available with my address in plain view. 
Verbalizing my address in public is unreasonable especially when the employee has it in plain view. 
I was told that Capital One would not send me my money. 
This seems to be an excuse to hold onto money that doesnt belong to them.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation on my PayPal account associated with the email address XXXX. I firmly believe that this restriction is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in unauthorized activities. 

Being a devoted PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is of utmost importance to me. I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a meticulous examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will uncover an error or misunderstanding. I am prepared to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also allow me to resume using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. Should specific documents or details be required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending my XXXX XXXX report for fraudulent accounts still being reported on my credit. I have already notified Experian that these are from fraud.
Product: Debt collection

Complaint and demand to explain how many " loans '' under zero % interest XXXX has and with whom ; for which " litigation '' case and names of attorneys whose fees were billed to XXXX in the amount of {$220000.00} between XX/XX/XXXX to present time. Explain why she was charges XXXX times {$24.00} " late fee '' between XXXX XXXX to present time for every single transaction and the source of payments received by XXXX on XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX in excess of XXXX 's payments. Demand to provide a hard copy of the Servicing Agreement and copies of all insurance payments for over {$350000.00} of " fees and charges '' received by XXXX and real Servicer Wells Fargo bank from any Insurer : The Department of Veterans Affairs or any other party who paid these {$350000.00} fees and charges. For example, On XX/XX/XXXX XXXX received {$35000.00} non-borrower payment with late fee {$24.00}. Please disclose the source of this payment.
Product: Mortgage

I was told that the mortgage is a Daily Simple Interest Loan which means there is no set late fee but rather every day they do n't receive the payment is another day of interest. I 've noticed that the payment is not processed in a timely matter at all and I 've mentioned it to U.S. Bank Mortgage but they do n't want to listen to me. For instance, I mailed the mortgage payment on XXXX XXXX, 2017. Today is XXXX XXXX and the payment has n't been processed yet. The payment was past due on XXXX XXXX. This has gone on for several months costing me and my fianc a lot of money in interest while not paying the principal down. My fianc and I can not be at the whim of the bank 's processing department. It is my assumption and claim that the payment is in a processing bin at the bank with hundreds of other unopened payments and the longer it stays there the more interest the bank makes. They are in no hurry to process the payment. My fianc and I are going to schedule a meeting with a local bank rep to talk about this. I would like to set up an automatic ACH payment but we like to send in a variable extra principal payment and not a recurring amount. Thanks for your assistance.
Product: Debt collection

Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,
Product: Credit card

I applied for a credit card in good faith and was denied the right to credit which is discrimination
Product: Checking or savings account

XXXX XX/XX/XXXX bank of America I responded to an original complaint I filed for their account closure and not returning my funds of which they claimed that they mailed a check with the balance of my funds. Its been over 100 days and I still have not received my money! I have called and no one has assisted at all so not only did Bank of America close and pigeon hold my funds they now have effectively lost over XXXX of my money in the form of a check! I will follow up with a suit against this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent the sent the credit bureaus 4 letters advising them of issues with the reporting and each time it has come back verified ... .how can a debt be verified when the reporting is innacurate? this is a violation and i would like this account deleted immidiately i have attached a letter stating that the date i opened the account, the balance, the charge off date, and date of last payment and you will see how inaccurately the credit bureaus are reporting this violation. I have also attached a copy of my credit report so that you see the discrepancies in the reporting the account was opened XX/XX/XXXX the balance is {$9000.00} the charge off date is XX/XX/XXXX and date of last payment was XX/XX/XXXX XXXX is reporting date opened XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX and the date of last payment of XX/XX/XXXX experian is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the date of last pay of XX/XX/XXXX XXXX  is reporting the inaccurate date of open of XX/XX/XXXX the incorrect balance of {$9000.00} the incorrect charge off date of XX/XX/XXXX the incorrect date of last pay of XX/XX/XXXX