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

More than 2 months ago, I contacted Early Warning Services, over inaccurate information and the constant denial of bank accounts. 

There are several variations of names, misspelling, different addresses, and places I have never lived. 

Its been over XXXX days and the company has never responded to my concerns and I still continue to be denied a bank account over there false reporting.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. ( XXXX, XXXX XXXX )
Product: Credit card or prepaid card

Case # XXXX is not yet resoved. I repeatedly tried to contact the Bank of America personnel but I just get his voice mail. His name is XXXX XXXX with phone # XXXX ext XXXX. Try calling him and you will know what I am referring to.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I paid XXXX XXXX XXXXXXXX on XX/XX/XXXX for a home filtration system I never received the system. I couldnt get response from vender.so I called to dispute the charges on XX/XX/XXXX. Capital 1 gave me a dispute credit of the XXXX on XX/XX/XXXX. I provided all information and was told if they needed something they emailI heard nothing. On XX/XX/XXXX Capital reversed the XXXX dollars causing my account to go XXXX and XXXX XXXX bounce. I was never notified of dispute denied. I called immediately on Monday XX/XX/XXXX and talked on a recorded line to a gentleman whom told me hed reopen the dispute and assured me theyd redeposit the money in XXXX days. I called back on Thursday XX/XX/XXXX and was told the gentleman was mistaken no refund was happening. My XXXX XXXX thus bounced. They told me Id get proof of reason for decision on XXXX business days. Now the major confusion and what I believe hiding of their mistake and breaking of the law. I called Tuesday XX/XX/XXXX and was told to call back Thursday XX/XX/XXXX. I did they said it could take rest of the day call back XX/XX/XXXX. I did. I was then told it was emailed to me on Tuesday XX/XX/XXXX. I have received no emails from them since XX/XX/XXXX. I have received no hard copy mail or phone calls. They now said on Friday XX/XX/XXXX that they resend to email Id get in XXXX days. I requested hard copies to be sent to my address with poof of delivery. They said itd be XXXX business days. Its been XXXX weeks Ive been asking for proof of reversal. They say oh its the other part and they cant talk to customers well re request. I want to see what vender sent them. They with provide. 
Thank you XXXX XXXX
Product: Debt collection

I had a debt collector take a judgement out. The debt was paid, and when I first checked it said account closed. I have recently checked and now it shows both debts as open and owed and my credit score has went down.
Product: Debt collection

XXXX  XXXX  ACCOUNT WAS OPENED DUE TO FRAUD AND SHALL DELETE FROM MY CREDIT REPORT. 
ACCOUNT BALANCE OF {$2600.00} IN INACCURATE AND I REQUEST THE WET SIGNATURE TO SEE HOW THIS FRAUD ACCOUNT WAS ABLE TO OPEN WITHOUT MY KNOWLEDGE. 
DELETE THIS FRAUDACCOUNT.
Product: Credit reporting or other personal consumer reports

I logged into my credit report and I noticed negative items, collections and hard inquires on my credit that I did not approve. Please remove the all hard inquires and negative items from from report.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and Transunion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of late payments from my credit report. Upon reviewing my credit history, I noticed that late payments have been inaccurately reported, negatively impacting my credit score.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 166B, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Furthermore, under the Fair Credit Billing Act ( FCBA ), creditors are obligated to provide accurate billing statements and properly investigate any disputes raised by consumers. 

Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Date of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I would like to bring to your attention that the reported late payments are in violation of these consumer protection laws. The inaccuracies in my credit report have caused undue financial harm and have hindered my ability to access credit on favorable terms.

I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate late payments from my credit report. I have enclosed copies of supporting documents that attest to the erroneous reporting.

I appreciate your prompt attention to this matter and expect a timely resolution in accordance with federal consumer protection laws.

Thank you for your cooperation. 

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

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Due to Bank Error I am writing to file a formal complaint against XXXX XXXX  XXXX Mortgage for an inaccurate report on my mortgage account, which has caused significant damage to my credit score. The bank incorrectly reported my mortgage status as " 60 Days Late. '' The late payment status was due to an error by XXXX XXXX 

I have already contacted XXXX XXXX  multiple times regarding this inaccurate entry from my credit report, as it violates my rights under the Fair Credit Reporting Act ( FCRA ). The bank has acknowledged that this is their error, not my fault, and have asked for the status to be corrected. Despite my efforts, the bank has not taken prompt action to correct the error, this has resulted in a XXXX drop in my credit score. 

I am seeking the following resolution : XXXXImmediate removal of the " 60 Days Late '' status from my credit report completely. 
XXXXCorrection of my credit report to reflect the accurate status of my mortgage account, including any negative impact the error may have caused. 
XXXX Full restoration of my credit score by having the correct, on-time payment history reflected across all three credit bureaus ( Equifax, XXXX XXXX and XXXX ) XXXXConfirmation in writing that the correction has been made. 

If this issue is not resolved promptly, I am prepared to take additional steps, including pursuing legal action and filing complaints with other regulatory authorities.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; BROWNS XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXX XXXX XXXXBalance : {$2100.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX Collection {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX Collection {$26000.00} XXXX XXXX XXXX Charge-off {$5900.00} XXXX XXXX Repossessions {$10000.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
Product: Mortgage

I have been dealing with Specialized Loan Servicing ( SLS ). This experience has been horrible to say the least. It got to the point that after the repeated harassing phone calls, and sending people out to my house weekly to take pictures and charge this back to me, that it became a game with my man handling my account. He blocked my account to where I could only speak with him and this was getting no where. I made it clear that I was disputing this account. It was a laughing matter with him. SLS sent notice to foreclose on my house back in XXXX. I had to pay {$32000.00} to save my house. I made it clear that this debt was disputed and I even placed disputed on the cashier 's check. I have now received another notice to foreclose on my house. I just got off the phone with SLS and they are saying that I owe {$8400.00} to sop the foreclosure. This does not include any additional fees. I am furious because the allegedly debt was {$43000.00}. I am told today that the balance is $ XXXXand that I will have to wait until the foreclosure attorney reaches out to me. I have bought this house in XXXX and they are trying to take my home. I am extremely exhausted and over their collection process. I need this matter handled immediately. Their collection practices are illegal and it seems as if they are able to do whatever they want to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY XXXX AND TRANSUNION CREDIT REPORTS : I have a fraudulent account, original creditor XXXX XXXX acct no XXXX. 
I have never ordered any product or service from this company.This account should be deleted for error of the creditor or someone has misused my information.I have NEVER received any merchandise from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfers

I received numerous phone calls from a " XXXX '' that said he was working with XXXX and that our computer was sending many messages that it was having issues. He and his " company '' could fix these problems for {$280.00}. Stupidly, we fell for that " con job ''. soon after sending the money and seeing where it was sent to, ( XXXX XXXX ), I realized that this was a scam. I requested a refund, witch they were prompt to do. However, they sent {$1800.00} instead of {$280.00}. XXXX, of course, admitted the mistake and wanted me to send him {$1500.00} back, but not thru PayPal, but by money order through XXXX, XXXX, etc. I refused to do that saying I would only give the money back through PayPal. I made several attempts through PayPal to refund the money directly back to the person that sent it originally - XXXX XXXX but was unable to do so because PayPal refused to send payment to a personal account in XXXX XXXX After telling XXXX that I was unable to send the refund to XXXX XXXX, he said he understood and for me to send it back to a different email address-one that was a " business '' account, but turned out to be XXXX XXXX. I held onto the funds until PayPal verified that the money was indeed in my PayPal account and ready for transfer. I then transferred the money to my bank account. After receiving NUMEROUS phone calls daily from XXXX, and verifying through my bank and PayPal that the money was indeed there, I refunded the {$1500.00} to where XXXX told me to. Then 2 months later, PayPal refunds the full {$1800.00} to XXXX XXXX, without notifying me in advance, or giving me an explanation as to why. Leaving us with a {$1700.00} balance owing PayPal. I have notified the dispute dept. and the fraud dept. of PayPal by email numerous times. I have also called PayPal numerous times and talked with many different people. I am still receiving phone calls from this fraudulent company telling me they want to " make things right '', by sending me more money. But not just {$1500.00}, they MUST send $ XXXX {$2500.00} and want me to refund the difference. Each time I have said no. " Either send me the correct amount of {$1500.00} or nothing ''. They also ca n't /wo n't use PayPal for the transaction, they want to deposit it directly into my bank account and have me refund them by money transfers not through PayPal XXXX I have refused them each time. This last communication, today, ended with " XXXX '' being quite angry with me and he said he couldn't/would n't try to help me anymore to get the money back and I would just have to pay PayPal. I have requested received {$280.00} on XXXX XXXX, 2015 from XXXX XXXX, deposited in my PayPal account leaving me a balance of {$1500.00} still owing. I have requested a reversal of the payment of {$1500.00} that was sent to XXXX XXXX from me. PayPal keeps denying me and keeps closing the cases. I realize that I do n't understand the procedures and possibly are n't answering the questions properly, but it seems to me that PayPal could help me out more here. I know I 'm not the only one that has fallen into this fraud trap.
Product: Money transfer, virtual currency, or money service

I have reported that I sent a money amounting {$520.00} thru XXXX which most of the bank right now offer as money transfer, I already filed a claim since it was thru that money transfer it was not insured under that form of payment, They can not able to give me back the money that i sent, I tried to contact the Person whom i accidentaly sent the money he was telling me that his bank could handle it.now we were trying to reach out to the bank of that person and i think my bank already reach out to them, hopefully it work well.. 
My bank is Bank of America the transaction i dispute was sent last XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Hello, I hope this email finds you well! I accidetly sent money by XXXX through my bank to the stranger that I did not know. Because I got the last digit of phone number by mistake. 

After that I reached out to my bank to ask the receiver to send my money back, however neither receiver nor her bank refused to take any action! 

I sent several message to the receiver that this money was sent to you by mistake but she kept ignoring me! 

The a mouth of XXXX, XXXX was sent to this phone number by mistake XXXX ( XXXX ) XXXX. Then I found out the name of person who I sent money by mistake is XXXX XXXX through XXXX and her bank is Citi bank Please help me to get my money back Thank you very much and looking forward to hearing from you. 

My bank is XXXX  XXXX and this stranger bank is Citi bank!
Product: Prepaid card

This card was gifted to me by my employer. When I opened the card the last half of the card numbers were scratched off the front of the card. I tried to use the card in store but the card is declined because the mag strip on the card does not work and the card reader does not pick up the card when swiped. I can not use the card online because I do not have the missing card numbers. I can not even check the card balance online due to the missing numbers. I contacted the card company Vanilla Gift Cards and told them about the issue. The representative asked me to send in personal information such as photo copies of my ID cards home address etc. I find it hard to send this sensitive information to this company when there is a history of fraud. I also told the representative I have a copy of the receipt when the card was purchased and would have no problem sending that along with copies of the card to them for proof of purchase. The representative told me there would be a case opened to investigate but it was unlikely this issue would be resolved. So I now have a {$150.00} gift card that can not be used.
Product: Credit card or prepaid card

I received several prepaid US Bank XXXX cards ( {$25.00} ) as wedding gifts ( inXX/XX/XXXX ). We saved these cards and used them as expenses came up.

This week (XX/XX/XXXX ), we went to use this card and found that the balance had nearly been depleted by inactivity charges applied to the card ( $ XXXX/month after 12 months ). While these charges are permitted by federal law, the card states that the deductions will not be made in states that prohibit the fees. California is one of these states - though certain exceptions can be made.

According to dca.ca.gov, the rules governing gift cards and prepaid cards are as follows : " A gift certificate or gift card can not contain a service fee, including a fee for dormancy ( non-use ).

However, there is an exception from this general rule for a gift card where : -- The value remaining on the gift card is {$5.00} or less each time the fee is assessed ; and -- The dormancy fee is {$1.00} per month or less ; and -- The card has been inactive for 24 consecutive months ( for example, no purchases, " reloading, '' or balance inquiries ) ; and -- The holder may reload or add value to the card ; and -- The card has printed on it a statement in at least 10-point type stating the amount and frequency of the fee, that the fee is triggered by inactivity, and at what point the fee will be charged. This statement may be on the front or back of the card, but must be visible to the purchaser prior to purchase. '' None of the criteria listed was met by XXXX, US Bank, or whichever entity issues these fees on their behalf.

I requested the fees be refunded and I was told they were not obligated to return the funds. I persisted and they agreed to submit a refund request, but that a refund was still " not guaranteed. '' They first said it would take 24 hours to post, then 48, and now they are saying 72 hours. I fear that this will continue until I give up.

I am not the only one to have been the victim of these illegal fees and charges. Until these companies are held accountable they will continue victimizing unknowing customers.
Product: Money transfer, virtual currency, or money service

Company has failed to respond to CFPB inquiries regarding a {$710.00} refund
Product: Consumer Loan

I finished a car lease with no late payments. But they are charging me for a little dent as small as my nails for {$660.00}. It is unfair. I think the most they can charge me is say thank you for giving the car back almost new with a very little tiny dent. It 's very natural over two years of usage. I also suffered poor air conditioning for over two years and their service department kept denying the problem.