23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received a personal loan from XXXX XXXX of XXXX $ on XX/XX/XXXX. I deposited it at my local chase bank on XX/XX/XXXX or XXXX I can not remember exactly. It was placed on hold as most checks are. Initially the hold was for XXXX. When the hold was supposed to be up, I found my bank account had been closed. On XX/XX/XXXX I saw this and reached out to Chase and was eventually directed to Loss Prevention. After almost of month of talking with both Chase loss prevention and XXXX XXXX we have been unable to reach a solution. Chase says they need Makers verification and can only contact numbers that exist in their internal catalog ( apparently they dont have one for XXXX XXXX XXXX and there other solution was to have a physical employee of XXXX XXXX come to a branch with me ( which is also not possible according to XXXX XXXX as they are mostly online and do not have bankers available to do that ). Lastly Chase has said that XXXX XXXX should be able to Recant the funds but they seem to be having a hard time doing that as well. Regardless {$30000.00} of what should be my money is collecting interest with XXXX XXXX and is not accessible by me at all and it is putting me in a dire financial situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Not my account it was opened fraudulent under my name never received card shouldn't be on my credit report call company to delete it an sent in proof but it'd still on my credit file
Product: Money transfer, virtual currency, or money service

On XX/XX/20 I paid {$14.00} for 2 items, & XX/XX/20 an additional item for {$21.00}. 
All for three items of fabric totaling {$49.00}, NEVER shipped, NEVER received. 
Paypal refused to close claim in a fraudulent attempt to freeze & block seller 's intent to issue refunds. I've closed my account because Paypal previously denied me right to remove bank cards, since corrected by this bureau. This abuse by Paypal implies disgruntled retaliation. I've filed disputes with my bank, because as of this filing date I can no longer view this fraud. Paypal stole {$49.00} of non-received merchandise.
Product: Credit reporting, credit repair services, or other personal consumer reports

After going thru hardship due to identity theft and deceptive practices as reported to the Federal Trade Commission and my local police attached. I contacted Discover bank to pay my standing debt off as good faith. I've spoke to a representative regarding payment in return for deletion of negative rating on the 3 credit reporting bureaus. which was agree so on XX/XX/XXXX i paid full balance owed. however i undergone Double Enrichment because as stated by Discover Bank on my account I've made payment after charge off / collection settled. also discover has failed to report accurate balance i ask for verification of all bills, a physical signed agreement contract baring my signature and proof of my photo I.D . although in good faith to clear my name and credit reputation the bill has been in fact paid in full by me all I've asked Discover financial is to deleted this negative mark from my credit as agreed when payment was given. even after I've tried multiple time to write good will letter explaining my hardship due to identity theft yet nothing has been resolved. I was told by the Federal Trade Commission to submit proof to all potential affected creditors a copy as proof i was in fact a victim of Identity Theft and Deceptive practices. i think that its unfair that Discover Financial can hold a honest XXXX, XXXX Veteran, Father, citizen and Consumer back from achieving good credit rating to purchase a home for my family.
Product: Debt collection

This company says I owe for XXXX. I requested a verification of debt none was given. The representative was rude, I told him this is illegal.
Product: Mortgage

I am trying to pay additional principal payments and they are not Applying them Correctly and they are missing payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XXXX XXXX. The bureau reporting is TransUnion. Thank you!
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/2024 to the credit bureaus requesting that the XXXX XXXX XXXX XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting or other personal consumer reports

I got a collection charge on my Transunion credit report from a XXXX XXXX XXXX XXXX which was an XXXX XXXX XXXX  charge from an old account I paid off and closed. This is the second company that has tried to file a collection against me for this erroneous charge which I disputed to XXXX XXXX XXXX in XXXX of XXXX. I successfully disputed the first collection for the same exact amount with Transunion last year. Then this collection amount was sold to XXXX and they filed this against my credit score, which has been over 800 for 20+ years now. I've disputed this erroneous now twice against Transunion ( XX/XX/XXXX & XX/XX/XXXX ) and they will not change my score even though I successfully disputed this same charge last year when a different company tried to collect this erroneous charge and provided TransUnion a copy of my closed account statement with XXXX XXXX XXXX. But they'll try to see if they can " help me '' if I buy some of their products ( the other 2 reporting agencies don't do this ) and they will not let me see my TransUnion score unless I buy it. I thought it was free to access. I believe that TransUnion is denying my dispute so they can sell me unnecessary services to resolve this issue. They consistently send me emails about fixing my score if I purchase their credit resolution services.
Product: Mortgage

Hello. 

XXXX requested an escrow waiver from Chase Mortgage on XX/XX/2025. 
XXXX purchased a new insurance policy on XX/XX/2025, and I made my first payment based on the payment plan agreement. 
XXXX sent the info regarding the new policy to Chase XXXX XX/XX/2025. I also informed Chase that I started making payments. 
XXXX received a letter from Chase dated XX/XX/2025 letting me know that my escrow would be waved on XX/XX/2025. 
- Chase decided to pay my insurance and spread the cost over my monthly mortgage payments after I already purchased a policy and already received a date from Chase for the escrow to be waived. 
I made several attempts to get it corrected. I only received confusing messages from different individuals from Chase. Please help! 

With gratitude XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Having spent many hours of my time in frustration attempting to enact credit reporting freezes with the three reporting companies, I am compelled to share just a small measure of my experiences. 
An attempt to create an account with Equifax online ended when I failed to answer one question correctly. I did not know the exact amount of my monthly auto loan payment. I was instructed to call their XXXX number to speak with an agency representative. My first attempt to contact them failed. During my second attempt after a 30 minute wait on hold, I answered all the Customer Service Representatives questions correctly and was told to email or fax all of the following : - Full name - Address - Social Security # - Photocopy of Drivers License - Photocopy of utility bill showing my name - Phone number - Email address Quite frankly, since they had allowed most of this information to be stolen already, I was reluctant to share even more information with them ( and esp. via unsecured means ). At this point, I do not know whether a reporting freeze has been placed, or even if I have created an account with them. 
Next, I attempted the same process with XXXX. Long story short, I was told that the cost of placing a freeze was {$19.00} and needed to be subscribed to their credit monitoring service and when I cancelled the subscriptionsomething I never wanted and was enrolled in without my knowledgethat the credit reporting with them would be unlocked, in this case after 30 days. After speaking at length with a Customer Service Representative, I felt that Id gotten nowhere. Wisconsin state law requires that a fee of not more than {$10.00} should be charged to lock or unlock. 
Today, I attempted to create an account and place a freeze with XXXX. The process appeared to be proceeding smoothly until the very end when the website was verifying my identity and apparently locked up. At this moment Im not sure the freeze was placed or if I even have a login with them. 
I urge you in the strongest terms to INVESTIGATE, REGULATE AND OTHERWISE HOLD ACCOUNTABLE the credit reporting industry. Further, to prosecute and punish to the fullest extent of the law, any individuals involved in wrong doing in this fiasco. The potential damage from this mess realistically can or will have life-long consequences. Please do your part to help mitigate the damage.
Product: Debt collection

I moved out of my apartment in XXXX of 2022 and in my complex had to use XXXX XXXX. Their claiming that I had not returned the modem and router that was sent to me and have sent me to collections. I returned the modem and router to the XXXX  store on XXXX XXXX XXXX in XXXX XXXX and have since moved into a new place. 

I have been trying to raise my credit score and this kicked me down from a XXXX to a XXXX and personally that is unacceptable. I have not received a phone call, letter or any kind of communication in regards to the " missing '' modem and router and now am having to argue with I.C. Systems. 

XX/XX/XXXX : Debt went into collections
Product: Checking or savings account

XXXX XXXX XXXX I am writing to lodge a complaint against US Bank regarding the holding of funds and or claims against a Trust Account at the bank. The Trust account was not involved in any actions by the personal accounts of the person named on the Trust account. This person did not have access to the trust account in any manner or the account use this persons social security number. The Trust account has its own EIN number. I am the Trustee for this account and have sole access to funds. From XX/XX/XXXX XX/XX/2022, I did not have access to the funds. US Bank needs to held accountable.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX
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 XXXXXXXX Subject : Formal Dispute and Request for Account Removal Pursuant to 15 U.S.C. 1692c ( c ) Dear XXXX XXXX XXXX XXXX Representative, I am writing to formally dispute the information related to my account with XXXX XXXX XXXX XXXX, as it is currently being reported inaccurately. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am asserting my rights and requesting the cessation of all reporting of this account on my credit report.

The FDCPA mandates that upon receiving notice from a consumer to cease communication regarding a disputed debt, the reporting entity must comply with such a request unless the debt is validated or necessary legal notices are provided. I have reason to believe that the reported account is inaccurate or incomplete, and I am invoking my rights under this law to have this account reviewed, validated, and subsequently removed from my credit report.

To assist in this process, I request the following : Validation of the debt, including proof that this account is accurate and enforceable.

Removal of this account from my credit report if validation can not be provided or if it has been resolved in full.

To expedite this resolution, I have attached the following documents for your reference : A copy of my identification ( drivers license or government-issued ID ).

A copy of any correspondence or documentation related to this account ( if applicable ).

I request that your office investigate this matter promptly and provide a response in writing within 30 days, as required by law. Should your office fail to validate the account or comply with this request, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue further legal remedies.

Thank you for your attention to this urgent matter. Please provide confirmation once the account has been removed from my credit report or validated to my satisfaction. Should you require additional information, I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX
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 ar address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

In accordance with the fair credit reporting act Destiny Mastercard Account # ending in XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under any open-end consumer credit plan as late for on purpose.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX  XXXX NA XXXX XXXX  XXXX BANK XXXX XXXX XXXX FINANCIAL XXXX XXXX XXXX CLUB XXXX
Product: Debt collection

On XXXX XXXX2019 I received a voicemail from a debt collector saying that my husband was going to have legal action pursued against him for an old debt. The caller claimed that he would be taken to court for theft of service and theft by deception. I called the number back and spoke with someone who was kind and I ended up paying them {$50.00} on that day and then a week later paid them another {$620.00}. They set up payments for every month in the amount of {$670.00}. When I went back into the archives of my husbands email I found that at one time over two years ago we did have a loan with that company but it was paid, I managed to get into the account and saw that there was no open loan, no loan history, no email with attempts to collect payment. I decided to hold off until they gave me more information. Instead the used a caller ID spoof to act as if they were calling from my county courthouse saying they were legally warning us and Pursuing legal action against my husband. I called back and explained I needed more information but they didnt provide any, instead they berated me for being irresponsible and taking a loan without reading fine print and said if I gave them {$710.00} they would leave me alone. They also claimed they would send me a letter stating we had agreed to that amount and the loan would be absolved. I called my county courthouse and they had never heard of the person that had called me and said no such person exist and that they do not call people about personal debts. I spoke with the attorney general who referred me to this site. The debt collectors have since been calling and harassing me more, the calls are hostile and accusatory, they tried to call from the spoof courthouse number again and hung up when I answered, they called again and were pretending that I was speaking to a courthouse employee, I stated that I had tried to reach him at my county courthouse but they had not heard of him, he gave me a lot of excuses and I said I would feel better if I called the courthouse directly and was connected to him, he became flustered and I hung up. About 5 minutes after that the collection company called my husbands phone which I answered, they were upset that he didnt pick up. They became very hostile, again threatening us with legal action and I told them that the phone call was over. They left a voicemail on my husbands phone laughing and saying good luck maam we know where your husband works, we will be contacting his employer, thanks for letting us know he works overnight. We were trying to operate under the good faith that we might have made a mistake and agreed to pay the {$670.00} which we did. Now it has become an absolute nightmare, they are contacting our family members from the spoofed courthouse number and leaving messages saying they are looking for my husband, which scared my mother in law. There is no being civil with this company.
Product: Mortgage

I have been dealing with Bayview loan servicing for a year now, and its been a headache. I had always made my payments on time and I always tried to catch up if I ever fell behind, but there is are situations that you have no control of. Before my loan getting sold to Bayview I had XXXX mortgage, they informed me that I had an escrow shortage and they were informing me that it had gone up {$7000.00}. How is this possible? Due to this going up higher, my mortgage payment went up higher and and I was unable to make the payments. I was paying {$1000.00} for my mortgage payment and they brought my mortgage payment up to {$1700.00}. I was never behind on my mortgage payment, and the taxes and insurance were escrowed with my payment. How can I fall behind? With Bayview I applied for a modification and they denied me saying that the delinquency was high and with the calculations they made they said that I had equity, but I dont have equity my home is underwater. I asked for a BPO and they did it but the person that went to do the appraisal didnt take in consideration the damaged roof, floor and windows. It was not a professional appraisal, he said he was there just to take pictures. When I asked Bayview to send over information on the recent appraisal of my property, they have not sent anything and its been more than a month. I was told over the phone that I was not eligible for the XXXX XXXX XXXX which includes principle forgiveness because I have {$4000.00} worth of equity. This is not true. i owe almost {$290000.00}. Before the appraisal they did on my property that I still dont know information about, my home according to them was worth {$240000.00}. I paid for an independent BPO and my property estimated value without taking the work needed on it in consideration is {$210000.00}. I need help and they are not giving me information.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, XXXX has inaccurate reporting on my credit reports, I wrote all three bureaus and they are still reporting inaccurate information. I have reached out to the companies also that I notice that are inaccurate still no change. I notice hard inquiries, I also notice old accounts and old collections that I have Know Knowledge of please help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has continually placed inquiries on my credit. I have never applied for service with them. After contacting them, they explained they do not use social security numbers so others with similar information applying may cause the inquiry to hit my report. I have disputed the inquiries with them and they have twice sent letters stating they have sent the request to have them removed from my file. I have also disputed these inquiries multiple times with Equifax. First time in XXXX of XXXX. I received an update in XXXX stating they were still working on it. I disputed again in XXXX of XXXX and never received anything. Again in XXXX and still received nothing. Again in XXXX and then received notice in XXXX the review was complete and found to be accurate. I am not sure how when I have letters from XXXX XXXX stating it was reported in error. I have worked really hard to re establish my credit. I have very good credit so there would be no reason for me to continuously apply for service with this company. Especially not when I have lived at my current residence for over 2 years.