23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX ACC XXXX status is late..How is this even possible when payments are secured on time..I contacted the credit bureaus but I did not get a response yet..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..CFPB Please step up and reverse the late payemt
Product: Credit card or prepaid card

I am unable to reach Citibank regarding my stolen or lost Double Cash Card and to make payment. My call is being re routed and blocked. This is the second time my card has been stolen. I am concerned about the status of my account and securing a new card. I have put a feeeze on my account with experian. I have had multiple calls made to businesses such as XXXXXXXX XXXX XXXXXXXX XXXX XXXX, etc blocked and re routed as well.
Product: Debt collection

Attorney Nicole Hillman submitting 5 year old documents posing as IRS  Tax Lien to garnish personal bank accounts more specifically my government unemployment funds. 

XX/XX/2020 XXXX  XXXX Chairman and CEO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Texas XXXX Re : XXXX XXXX Personal Banking Garnishment Mr. XXXX : Regarding this matter first and foremost this is not my debt. I have spoken with this Attorney XXXX and reported in writing to XXXX County Courts that this is not my debt and of which I have no knowledge of until XXXX submitted documents to my bank. Per my attorney XXXX  XXXX is also reporting this garnishment as an IRS Tax Lien of which it is not which concerns me as to how this garnishment was reported to XXXX  XXXX as deceptive which violates federal law ( FDCPA ) as I do not have any IRS Tax Liens. 

Secondly, as my financial institution I should have been given notice of this garnishment. As currently unemployed my current deposits are from protected government unemployment benefits which are exempt from such. XXXX XXXX must turn over and/or release those funds immediately. I have filed a police report and as well as reporting this matter to the Texas Attorney General Offices. 

I find it frightening that someone can submit paperwork without verification and the bank honors it without verifying the legitimacy. Please release my unemployment funds immediately. 

XXXX XXXX XXXX Cc, FTC, Texas Attorney General, XXXX County Police Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters over a month ago and have not received any responses
Product: Consumer Loan

i had a loan with green tree and now they say i have to pay ditech for my manufacued home they are taking my rights away in mississippi i need help at XXXX XXXX XXXX in XXXX ms. please help me god!!!!!!!!!!!!
Product: Debt collection

XXXX XXXX XXXXXXXX filed a lawsuit against me. The claimed to have served me in person on XX/XX/XXXX. This is a complete fabrication of the truth and completely false. They then used this lie to their advantage to get a judgement before I even knew about the lawsuit. When I found out about the lawsuit I had XXXX time to defend myself and was aggressively forced into a repayment plan that I would not be able to pay and I told them this. They told me to not pay something else and to pay them. I tried and tried to negotiate with them but the representative XXXXXXXX XXXX up on me twice but not before she threatened me with another lawsuit if I didnt pay the exact amount every month. I was bullied into an unreasonable payment plan without being able to negotiate or defend myself. Please help.
Product: Debt collection

Genesis Cred contacted me about a debt on behalf of XXXX. On XX/XX/XXXX, I asked in writing that they provide what the money they say I owe is for, explain and show how it was calculated, provide me with copies of any papers that show I agreed to pay, Identify the original creditor, and only contact me via email for a written record. 

Genesis Cred did not provide the things I asked and in fact never responded to the repeat emails sent to their requested email address XXXX. 

I followed up XX/XX/XXXX explaining that their XXXX  ledger was based on a monthly rent amount different that the {$2000.00} in my signed lease agreement and therefore was not a correct debt. To this date, nobody has validated the debt and the only document is a XXXX  ledger showing 33 days of an 18 months lease with an egregiously incorrect starting balance. 

On XX/XX/XXXX I followed up asking again to explain and show how the claimed amount was calculated and provide any papers that show me agreeing to pay a different lease amount. I also asked for a list of the repetitive harassing phone calls I had received in violation of my request under the FDCPA. 

In XX/XX/XXXX, I received a notice from my credit report that the company had filed to the credit bureaus that I had not paid my debts. 

I have still not received a response to any of my emails. I have still not received anything showing that I owe what they say I owe. They have repeatedly violated my FCRA and FDCPA rights.
Product: Credit reporting

There is name listed as XXXX XXXX XXXX listed on my credit report. This middle initial is incorrect. 

My name is XXXX XXXX XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested Equifax to provide proof of a bankruptcy on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

After a review of my credit report, I found a long-standing collection account listed on my report. The account listed is not mine. I pay and have paid all of my debts, on time past and present. My credit report is important to me. My credit report should only contain information or accounts that are my own, without any misrepresentation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to you regarding account numbers XXXX and XXXX from XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report and I noticed some public records that are not accurate from  XXXX   XXXX   XXXX  DOCKET #  XXXX  and OHIO  XXXX   COURT   XXXX  DOCKET #  XXXX . At this time I will also inform you that the continue to report invalidated information to any of the  XXXX  major credit bure aus (  XXXX ,  XXXX , Trans Union ), th is action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.   I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
Product: Debt collection

The law offices of Mitchell D Bluhm & associates, LLC sent a letter that I owe a medical debt of {$210.00}. I disputed the debt and asked for a validation of the debt for reference account. I then received another letter stating that they received my dispute with the enclosed " verification '' from the current creditor. 

Their verification included : Statement of account from a service date of XX/XX/XXXX A bill for the amount of {$210.00} dated from XX/XX/XXXX The law offices of Mitchell D Bluhm & associates, LLC failed to provide any documents that say I signed for this debt and proof that they are able to collect in the State of Arizona where I reside. 


I consider this harassment. I need to see proof were i signed for the debt since i do not recall this debt whats so ever. i feel they are violating my consumer rights
Product: Checking or savings account

A check of the amount of {$1500.00} was endorsed to me and i went to my local Wells Fargo branch on XX/XX/2018 and deposited it into the ATM. I thoroughly checked the security details of this check with a black light and tried to smudge the ink on the check with water. Everything checked out perfectly.The full amount of the check went on to clear into my account on XX/XX/2018. I went into the same branch and withdrew {$1300.00} of the money. On XX/XX/2018 the check was returned as a fraudulent check. 
Had Wells Fargo waited the three days to clear this check, as they have every other transaction i have ever made with them, this situation would have never arouse. 
I have spent countless hours at the branch, where they told me it was not fraud, so they refused to even start a claim. I have finally gotten through to a manager, over their customer service line named " XXXX '' and had a lengthy discussion with him about why the money was ever credited to me within 24 hours and how poor the customer service has been, so far. The biggest issue I can see is I am clearly NOT the only person their bad banking is effecting, considering it is on countless national news headlines. My life has personally been debilitated by this fraudulent check scam. And it seems as Wells Fargo does not care about me, or any of their other customers. I only hope to resolve this issue as soon as possible, close my account, find a new bank, and warn everyone I know of the way Wells Fargo conducts their " business. ''
Product: Vehicle loan or lease

XX/XX/2023 Letter sent to Exeter finance for notice of violations, cease and desist communication, return of illegally repossessed property
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a late payment reported to my account in 2019. One credit bureau reports XX/XX/2019 being late and the other says XX/XX/2019 was late. Every time I try to dispute this mistake they change the date on the late payment.
Product: Credit reporting or other personal consumer reports

I have ask XXXX to correct this issue XXXX XXXX XXXX XXXX XXXX collection .this account was paid on time every month with a XXXX balance also state paid monthly.all payment was made on time you can see that they reporting it as if it was a collection account. Correct the issue all payment are current also remove those derogatory remarks. report this account all payment a current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX  XXXX XXXX checking account number XXXX, was closed by bank and bank reported to credit service on XX/XX/XXXX as Checking account Fraud.

I received detailed consumer report from Early Warning Systems today XX/XX/XXXX wherein I came to know the reason for my previous account closure with XXXX  XXXX XXXX, as of this negative reporting XXXXXXXX XXXX put a temporary hold on my account and initiated account closure. 

I called Risk department of XXXX  XXXX XXXX at XXXX spoke with XXXX XXXX Employee ID XXXX, to know the transactions which bank deemed to be fraudulent but XXXX was not able to provide any information, as the Early warning report states all the ACH transactions since my account opening with XXXX  XXXX XXXX. XXXX stated she is not able provide me details of the transactions which initiated account closure for fraudulent transactions and said I need to speak with Claim/ Dispute department at XXXX, I called them and spoke with XXXX XXXX employee Id XXXX, she said she can only raise claim or dispute to any transaction/s which I dont recognise and cant help me with information or activity which initiated fraudulent transactions on my behalf and account closure and I need to speak with Risk Management department. 

Please help me to solve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the federal credit act 15 U.S. Code 1681i my right has been violated.

- Procedure in case of disputed accuracy Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller. 

The following complaint number are going almost within the 30 days period. 
Complaint number:XXXX XXXX
Product: Debt collection

I sent a certified debt validation letter on XX/XX/2021 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Debt collection

I defaulted on a credit card with XXXX XXXX XXXX and it was sent to collections. Midland Funding picked up the account and it was sent to XXXX XXXX XXXX XXXX XXXX ( which is now XXXX ). I received a letter in the mail that they were filing suit. When I called they offered me a settlement option for the debt, which I did not take at the time. Then they told me they would postpone the suit if I set up a payment plan, which I agreed to do. On my second to last payment ( XXXX/XXXX/2016 ), I was given a settlement option which I took. At no point throughout the entire process was I informed what the impact a settlement would have on my credit rating and that it would be seen in an even more negative light. Upon learning this, I contacted MCM ( Midland Funding ) ( XXXX/XXXX/2016 ) to rectify this, but they informed me that I would have to speak to XXXX XXXX. When I spoke with XXXX XXXX on XXXX/XXXX/2016, they informed me that they would not be able to take payment as the account was closed. They also informed me that the remaining balance was only court costs and not the actual debt that was owed the original creditor. I then contacted MCM on XXXX/XXXX/2016 to seek resolution, i.e. pay the remaining balance, which they stated they would not be able to take as the account had a {$0.00} balance. I then asked them to correct what was going to be reported to the credit bureaus which they said they would not do. They told me the report would say " paid in full with a memo saying paid for less than the full balance ''.
Product: Credit card

XX/XX/2023, MySynchrony card company cancelled my store cards for XXXX and Guitar Center. I was in good standing and XXXX card close to payed off and Guitar Center months later. Out off the blue they closed my account and my credit rating took a huge drop for no reason. I was always on time with payments. I called them on XX/XX/2023 at XXXX, the lady said that sent me a letter which I never received, and listed XXXX reasons why it was closed.
Product: Vehicle loan or lease

Kia finance marked me late for 2 months when the last 2 months was supposed to be covered by the dealer " XXXX XXXX  XXXX XXXX '' this happened during covid times and it was impossible to get on hold of Kia finance over the phone, I tried numerous times and when I finally was able to speak to them and explain they already affected my credit really bad! 
I wish they could be more considerate and at least understand my situation, These are unprecedented times COVID put a lot of people out of work and I have never been late not even once on my previous or new lease with them so it is ridiculous that they refuse to remove the 2 months late charges on my credit report!
Product: Student loan

XX/XX/2023 I started to pay my income driven student loans that I have been in for years. I have to now pay for my loans under this plan. I'm very concerned because my payment plan states that my payments should be {$220.00}. However when I went to pay my first payment my balance to pay stated {$510.00}. In fear that my payment would be late I paid the amount that website stated I had to pay. I called the company to complain why I have to pay, I were told it were optional. I told them I could not pay anything less and were told I had late fees. I told them my payments has always been deferred or in forbearance until I applied for the income driven loan payments. I were told I had over {$8000.00} extra I had to pay because of these late payments. I still were questioning everything regarding the fees and even told them that I were going to make a complaint and I were sent a letter to sign to waive {$250.00} late fee off my account. XX/XX/2023 I had {$1.00} and change payment due because they applied the extra I paid the month prior to XXXX bill and I were to pay the difference. I paid {$53.00} once again the website would not let me pay the balanced owed. I were told that I still have late fees. I called again because I were going to schedule my payment that is due for XX/XX/2023. There is a {$50.00} balance that I were told is late fees again that I paid last month still showing. I were told that they would waive the {$50.00} late fees off my account again I began to ask why is that still there and the website made me pay last month. They are defrauding their borrowers that put the late fees and when you pay the extra your not receiving any credit for paying those fees and making you pay more than what you are expected to pay. I want to know why I have to pay over {$8000.00} for late fees and my loans has all tis compound interest keep charging.
Product: Money transfer, virtual currency, or money service

Iam 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 causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.A
Product: Credit card or prepaid card

I was first notified that my XXXX account was closed from one of the  credit bureaus a couple of weeks ago. I was never notified of the closure and assumed it was a mistake. Today ( XX/XX/18 ) I called XXXX and they told me that they didnt send me a letter or email because they didnt know if that was my accurate address or email on file and were protecting me. Which is a complete garbage response because you could easily send an email or letter without revealing any personal information. They justified the closing of my account because it says in their T & Cs that they can close my account after 30 months of inactivity which I have no argument about. My issue is that they didnt notify me and give me the opportunity to use my account. That XXXX card is my oldest account and Im really trying to actively manage and improve my credit score and this doesnt help. They said they cant reinstate the account but I can apply for a new one, which Im absolutely NOT doing, particularly because Im trying to manage said credit score. I understand they have to manage their profitability but not notifying me and then telling me theyre doing me a favor is insidious. All of my account information is correct and up to date by the way - I updated it about 8 months ago when I moved to my new address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to handle this with LVNV FUNDING several times. Please be advised that this is causing defamation of character and causing financial damages and hardships. I will constitute a failure to provide such a response within XXXX business days as your acceptance that this debt is not valid. PLEASE VERIFY, VALIDATE, AND DOCUMENT with the proper documentation that I am LEGALLY OBLIGATED to pay this alleged debt. A simple response or answer of being VERIFIED does not make up a legal or lawful response. I DEMAND THAT YOU REMOVE ALL THE FOLLOWING ACCOUNT IMMEDIATELY. 

1. LVNV FUNDING # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report that a fraudulent account is in my credit report, I don't record this account as mine, in the pass I had been victim of data breaches in the web, I'm sending my ID and SS card as well as FTC report and a Police report to validate my claim.
Product: Debt collection

MIDLAND CREDIT MANAGEM has constantly call my place of businessXXXX have call several of my family members threaten them, after I went through the proper channels of challenging all three credit bureau having successfully have this removed they keep placing this item back on my credit report, they are calling from different numbers showing bogus names
Product: Checking or savings account

Wells Fargo Business Checking Account Date of Incident : XX/XX/2025 Location of Incident : Wells Fargo Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX -Specifically in the drive through Business account lane Time of Incident : XXXX Incident : Negligent loss of Deposit of over {$8100.00} in business Drive Through Lane Explanation of Incident : On XX/XX/2025, at approximately XXXX, I personally deposited into the outside business account lane a deposit of over {$8200.00} with 9 checks attached by paperclip to a deposit slip. I was told by the teller that the deposit was stuck and they would call as an emergency someone to retrieve it. The Branch Manager, XXXX, informed me repeatedly over the course of 2 days not to worry that my deposit was safe as this has happened many time before and Wells Fargo was aware of the faulty business drive through lane, assuring me that my deposit with all the checks would be safely retrieved. Nevertheless, after over 48 hours, on XX/XX/2025, the bank manager called to tell me my deposit checks were destroyed and lost. He found 1 check for {$45.00} which he deposited into my account and a torn check for {$2400.00} which he could not deposit in spite of being broken by their drive through machine. I was told that Wells Fargo apologized for the loss of my {$8100.00} deposit but there was nothing they could do.

It has taken me countless hours/days try to get all these checks reissued. To date, I have not been able to get any of the lost 8 checks reissued. Many of the companies that paid me those checks have told me they need to wait of period of 60-180 days to see if checks can be reissued and I would have to pay a cost. 
Wells Fargo destroyed/stole my 8 deposited checks totaling {$8100.00} and I opened a complaint with them with the case number Complaint case number : I was told they investigated and can do nothing else, as their negligence of destroying my checks and/or fraud of keeping my checks was my problem to solve. Attached are the letters I received from them stating that they have closed my case and my deposited money is lost. I need help retrieving this money that was stolen from me by Wells Fargo.
Product: Credit reporting or other personal consumer reports

For the past year I have been unable to view my credit report or address any inaccuracies in my credit history due to restrictions imposed by the credit bureau. Despite my repeated attempts to contact them I have not received any response or assistance in resolving this issue. Most recently I called on XX/XX/year> and was informed that my case had been escalated but I would have to wait a few more days before hearing back from them. This ongoing delay in rectifying the situation has been frustrating and concerning for me.