23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX, XXXX, Georgia has recently changed the functionality of the website used for the TJ Maxx Rewards Visa Credit Card. This morning I went online to pay my bill and discovered that the redesign of the site has made it exceedingly difficult to pay the statement balance that is currently due. 

Instead of displaying the statement balance ; the minimum payment due ; the current balance ; and the available balance, the prominent information consists only of the the last three items ( plus available cash advance value ). The consumer should be able to easily discern, as it was up until now, what the actual statement balance due is, and not be misled into paying more than is technically due on the due date. 

Although XXXX XXXX XXXX design team may believe they improved the user experience by using bigger fonts and adding more negative space to the screen, they have in reality made important information less visible and retrievable only through the use of added clicks which are not so apparent to the average user. 

They need to use more average consumer focus groups when redesigning the tools on the website. I fear the average user will unnecessarily pay more than the balance due amount on the statement because the site now esentially buries that amount. Thank goodness I still get paper statements because even viewing the most recent paper statement was challenging.
Product: Credit card

I submitted payment in full for the balance on my HSN.com account which is handled by Synchrony Bank. They are denying ever having received the payment. I have sent them appropriate documents both by fax and by snail mail through the USPS. I have given the the names, date, account numbers, payment amount, transaction ID numbers from the 3rd party online payment system I use. I've told them numerous times, there is no store receipt to copy. It is an online business, hsn.com. There is no copy of a cancelled check, front and back, it is an online 3rd party payment account. There is no certified copy of the monthly statement, it is an online 3rd party account. I have sent them copies of the statement that I made, blacking out all other purchase and payment amount information that belong to other vendors and is none of their business. I have told them on numerous occasions both by phone and in writing that there is nothing else I can do differently. I paid the {$26.00} and it cleared as completed on XX/XX/2024. I have sent them screenshots. They will not accept them. They will not accept photocopies of the information either. There is no other information I can provide them. I advised them today via email I am contacting you, the BBB and the XXXX to advise you all of the same.
Product: Checking or savings account

XXXX XXXX  me and my family received our refund of {$14000.00}. XXXX XXXX  through XXXX XXXX  me and my family did a little shopping for the XXXX we also paid a bill much needed, the bill paid didnt post right away because it usually takes about 3 days to post or for the bank to pull the money from the account. When XX/XX/XXXX came I was restricted from my account and my funds was frozen. This was ver disappointing and stressful. Email after email I sent. Call after call and each time I was given no further information or explanation to whats going on with my account or my families money.I continue to get more emails speaking of my case being escalated and further restrictions until the finally permanently deactivated my account. I sent all the information that was asked for immediately. Inside my emails I explained time and time again that the funds deposited to my account where my families, we where using the funds how we seen fit during the days of the so called suspicious activity, I also explained that my remaining balance should be sent to me or free up for transfer out of there account.upon further research me and my wife has found that this is an normal move for venmo, we found that a huge percentage of people have and are taking law action against the venmo co for these same actions. As soon as a user receives a huge or good enough deposit or transfer Venmo restricts them and freezes their account, with no actual true reason just using false information and holding on and stealing peoples money. They send you through a 180 day wait in case of theft prevention and when the 180 days are up, no one ever gets their funds back.This isnt fair, its theft and it seems like an pyramid scheme of some sort right before the holidays. I spoke to council and was told to put in my claim here first. My remaining balance is over {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me. I sent a police report to both the credit bureau and spoke with the creditor, this account came off of XXXX however is still showing on XXXX and Transunion. I [ 've never had an account nor never benefited from any account with XXXX XXXX. This account is ABSOLUTE FRAUD and is hindering me from moving forward in obtaining credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to Equifax which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX XXXX. XXXX. XXXX XXXX XXXX  4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I initially filed dispute [ XX/XX/XXXX ] I asked the company to thoroughly investigate the matter. An eviction was showing up on my rental history and I have not lived at that address ever in life or rented from that company. They FAILED to properly investigate the matter. There is an eviction showing up on my credit report that is NOT mine. I disputed this electronically ( XX/XX/XXXX ), I called and disputed, and Ive even mailed proof of identity AND proof of address ( XX/XX/XXXX ) at the time. I can not live in two places at a time.. I had an eviction on my record since XXXX. In XXXX XXXX those take 7 years to be lifted therefore I wouldnt be able to rent.. I asked them to verify debt. I sent XXXX proof of MY identity and all they all did was reach out to the courthouse to verify an eviction record exists. Of course it exists!!!!! THATS WHY IM REACHING OUT!!!!!! XXXX didnt reach out to the company to verify If theyd ever seen ME in person, what I look like, were the keys retrieved in person, the information used to rent such as name, DOB , SSN, Job info. XXXX is in direct violation of FCRA Section 605B and I see why they are being sued currently for this exact reason. I plan on doing the same If this is not investigated and updated. I filed a repeat dispute [ XX/XX/XXXX ] online. The employee I've worked with is XXXX and he hasn't been ANY help. He has failed to properly investigate. I am a victim of identity theft and it sucks I have to fight with companies like XXXX after sending proof.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification & Further Investigation Reference # XXXX To Whom It May Concern, I am writing in response to your recent investigation regarding the bankruptcy entry on my XXXX credit report under reference number XXXX. Your response states that the bankruptcy was verified as accurate, but I am formally requesting additional information regarding the method of verification used in this process. 



Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request the following : 1. The name and contact information of the entity that verified this bankruptcy.

2. A detailed explanation of the investigation process, including how and from whom this information was obtained.

3. Copies of any supporting documentation used to verify this bankruptcy. 



If you can not provide this information or if the verification process was not conducted in full compliance with the FCRA, I demand that this inaccurate bankruptcy entry be immediately removed from my credit report. 



Additionally, if this bankruptcy information was verified through the court system, I would like to point out that courts do not report bankruptcies to credit bureaus. If the verification was obtained through a third-party source, I request proof that the source is reliable and complies with FCRA accuracy standards.

Failure to comply with this request may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals office. I am prepared to take further action, including legal remedies, to ensure my credit report is accurate. 



Please provide a written response with the requested information within 15 days, or immediately remove this incorrect bankruptcy entry. 



Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I went to exchange my XXXX  at US bank that were leftover from an order I placed for vacation. When I deposited them the exchange rate seemed wrong to me. It was not the current rate. I pointed it out and they said that it was the rate. I needed the money back in my account so I proceeded. I took in XXXXXXXX XXXX on XX/XX/year> and US bank only deposited {$1200.00} into my account. It makes me question my original order of XXXX XXXX that cost me {$3400.00} on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

These are unauthorized inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/2023 I was the victim of a phishing scam on XXXX XXXX. An account that I didn't recognize contacted me and asked me what I would do if {$3000.00} was deposited into my XXXX XXXX XXXX account, then asked for my XXXX XXXX XXXX  tag. I shared only my tag before realizing that I was being scammed. The hacker was able to access my online banking information, transfer money from my savings to my checking account, compromise my email, access my mobile banking settings, and create a XXXX account through my Huntington Online Banking. The hacker was then able to then sentd a total of {$1700.00} to themself through the XXXX account they created with my banking information. XXXX denies being liable for this security breach because the transaction was made through their partner, XXXX. However, XXXX states that this security breach must be handled by Huntington who authorized the XXXX account through my mobile banking.
Product: Mortgage

I have submitted Prior Complaints, and recently Withdrawn my Complaints against Select Portfolio Servicing Inc., however, I just received a letter dated XX/XX/XXXX, Stating " SPS Previously Received Your Request For Loss Mitigation Assistance, But We Now Consider The Assistance Request Withdrawn. We are not Considering Your Request for Assistance at this time Because : After initially asking to be considered for Assistance, you Withdrew That Request on XX/XX/XXXX. 

I have never, ever made any Request to/of SPS Inc, except for them to Stop Calling Me, Stop Writing me, and Stop any/all Contact with me, concerning the Property that they Purchased from XXXX XXXX XXXX, ( SPS Inc Account Reference # XXXX ), Property Address : XXXX XXXX XXXX, XXXX, Georgia XXXX. 

That Property was Abandoned/Turned in/Over To the XXXX XXXX XXXX, Appraiser on XX/XX/XXXX, after an on-site Joint Physical Appraisal was completed, and according to Internal Revenue Service Publication 4681, the turning over and acceptance of a Property, Any Property is Considered A Sale or Transfer, and I am under Bankruptcy Protection. Therefore, since the prior Mortgage Company ( XXXX ) took Possession of the Property, and Issued an Abandonment Form XXXX, which SPS Inc., is well aware of and has been issued a Copy, and I have no Personal Libability for that Property, SPS Inc., has no business contacting me. 

SPS Inc, Claims to have purchased the XXXX XXXX XXXX, XXXX, Georgia XXXX, Property, yet the Official Muscogee County Georgia Tax Commissioner 's Office, and the Muscogee County Georgia Superior Court Clerk Records show nor record of any any Property Transfer/Deed Recording? That Property is  still listed with XXXX XXXX as the Lien Holder? 

SPS Inc., States that Property was purchased by a XXXX, DE Company in XX/XX/XXXX, yet this is XX/XX/XXXX, and no official records show this to be true. 

So now, SPS Inc., needs to produce some evidence of a request from me in writing for Loss Mitigation, which does not exist, or state that they have lied for the record.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 


Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. 

Specifically : Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided. 
Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, ( 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 an 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: Debt collection

I AM THE NATURAL PERSON AND CONSUMER AND THIS IS NOT A CREDIT REPAIR COMPANY. According to 16 CFR 433.1 I the affiant has reason to believe and do so believe a purchase money loan, cash advance was given to BRIDGECREST as the creditor from the U.S. Treasury for a finance charge and the consumer credit was to be forwarded to the consumer or natural person, I the affiant, in this transaction for household, goods, and services in exchange for disclosed, limited and authorized use of the negotiable instrument, social security number or credit card and signature I have provided, which are all properties which belong to I, the affiant, so be it. Pursuant to 16 CFR 433.2 In connection with any sale or lease to a consumer, such as I, the affiant am aware, a contract must include the provision described in 16 CFR 433.2 ( a ) otherwise this contract would be known to be an unfair or deceptive act or form. In connection with this provision, I am invoking my right as the debtor to assert all claims and defenses against BRIDGECREST in connection with this transaction and or negotiable instrument and any other possible derivatives in order to recovery any amounts paid and its proceeds. I have claim to the interest and the proceeds of each trade and instrument in accordance with UCC 3-306 with the possessory right to both the instruments and the property. I'm also aware in accordance with 16 C.F.R. 433.3 BRIDGECREST is not exempt from any claims or defenses as described in 16 C.F.R. 433.2 ( a ) as I, the affiant, may invoke, his rights as the debtor in this consumer credit contract against BRIDGECREST for the unfair and deceptive practices as no contract after the date of XX/XX/1977 is exempt from 16 C.F.R. 433.3. A Promissory note is a negotiable instrument. BRIDGECREST has committed aggravated Identity theft and is still benefiting from my intellectual property. My vehicle was illegally repossessed and I now can not get to work and pay for everyday necessities.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$450.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA my credit report is supposed to be fair and equitable. The 3 CRA 's are reporting negative and inccurate accounts on my report > None of the reports match and they all should if the information was correct. Nothing is supposed to be furnished on my credit report without my consent.15 usc 1681b. And according to the US Constitution the only way you can pay a debt is with silver and gold, and since there is no silver and gold. XXXX XXXX is the worst in accuracy. 15usc1681e ( b ) 15usc1681a ( 2 ) ( B ).
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft. There is several accounts, inquiries, and addresses that does not belong to me nor did I authorize. I have notified Experian, XXXX, and XXXX of this matter and have yet to get a proper response. All 3 bureuas are in violation of several FCRA laws such as FCRA 605B ( 15 U.S.C & 1681 c-2 ) which states that the following accounts must be remove within 4 days of receipt. I have file a complaint with The FTC and was provide with a Identity Theft Report and I also filed a police report with my local Police Department which both are attached.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports