23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Date of Incident : XX/XX//2025 Company Involved : CashApp Amount : {$30.00} Issue : I noticed an unauthorized transaction of {$30.00} on my CashApp account. I immediately contacted CashApps chat support to report the issue and request a refund. However, despite reaching out, I did not receive my money back.

Action Taken : I reported the unauthorized charge to CashApp via their chat support.

Company Response : I did not receive a refund or a resolution to my issue.

I would like this matter to be investigated further and my funds to be returned as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Also, they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I recently received and reviewed a copy of my updated credit report and I still have seen inaccurate and misleading information being reported. These inaccuracies are causing me significant financial distress and need immediate attention. 

-- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX  -- -- - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have been making student loan payments for months until I become unemployed. Even while I was employed, I asked to lower my payment of {$1000.00} a month and I was denied. 
I felt lied to because while I was applying for the student loan, they said there are income based payment options. No one worked with me about that. 
So I continued to make $ XXXX payments until become unemployed on XXXX/XXXX/XXXX. 
I initiated the call and explained them that I lost my job and asked for some time until I find a job and continue making my payments. 
Every time I told them I am unemployed and have no money to pay them, they kept calling weekly. Constantly harassing and threatening. Some weeks they called more than once the same week even I spoken to an agent 2 days prior. 
Called me non-stop, kept calling and bothering my mother which she got very frustrated because she could n't understand exactly what they were saying due to English being her second language. 
All I wanted from them is to stop harassing me and give me time until I find a job. 
Instead, they kept threatening me with default and possible legal action. 
I am on the verge of XXXX, and I need a way out and/or some one who can help me make arrangements with them. 
My credit score went from being very good to very bad in a matter of couple of months. 
Thank you
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX  on XX/XX/XXXX Inquiry from 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 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been goin on for yrs
Product: Credit card

Citi was supposed to give me a {$59.00} and a few cents in a dispute I won. On my call with them in the middle of XXXX, they said they would give me the credit in XXXX days. I called and the person said the supervisor forgot to approve the credit. Now 20 days later they want me to wait another XXXX business days for the credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain inaccurate and unverified information that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required under Section 611 [ 15 U.S.C. 1681i ] to investigate and verify the accuracy of the information contained in my file. Additionally, under Section 609 [ 15 U.S.C. 1681g ], I have the right to request the method of verification for all disputed items. 

The burden of proof lies with the furnisher of the information, and until verified, the disputed information must be corrected or removed from my file. Please provide documentation that verifies the legitimacy of the listed accounts. If you can not verify the accuracy, I request immediate deletion of these items from my credit report as mandated by law.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
UXXXX 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: Vehicle loan or lease

To Whom It May Concern : I am writing to file a complaint against [ these companies ] for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g ( b ). I believe that this creditor or collection agency has engaged in unfair and deceptive practices in their attempts to collect a debt that I dispute.

As per 15 USC 1692g ( b ), I have the right to dispute any and all alleged debts and request validation of the same. I have done so in writing to this creditor or collection agency, but they have failed to provide me with any validation of the alleged debt. Despite my repeated requests for validation, they have continued to contact me and demand payment. also FCRA 611 ( a ) ( 1 ) ( b ).

Moreover, I have checked my credit report and found that the information provided by this creditor or collection agency does not match with the information provided by other credit bureaus. This has caused significant damage to my credit score and has made it difficult for me to obtain credit in the future.

I am hereby requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against this creditor or collection agency for their violations of the FDCPA. I am also requesting that the CFPB ensure that my credit report accurately reflects my credit history and that any negative information provided by this creditor or collection agency be removed.

Thank you for your attention to this matter. I look forward to hearing from you soon.

Sincerely,
Product: Credit reporting or other personal consumer reports

Can you delete these inquiries? I don't know about them, and the company did them without asking me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am inquiring about my account with the name of XXXX XXXX The account number is unknown. 
Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ). I am also requesting the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency. According to my credit report and what you are reporting the account was open in 2017 ( 7years ago ). It appears this debt was re-aged, and needs to be deleted immediately. 
My rights dictate my ability to obtain this information.
Product: Debt collection

I received a letter in mail about owing a debt that I have no idea where is coming from. 
It was on the date XX/XX/2022 In the amount of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and I've provided the needed documentation to XXXX on several occasions yet they keep claiming that they haven't received them. This is keeping me from moving on with my life. It took me long enough to go through the process of getting the Court order declaring me a victim of identity theft. Yet I still have incorrect information reporting to my report.
Product: Payday loan, title loan, or personal loan

1.I have never had an account with this company WYNDHAM XXXX XXXX REMOVE from all credit agencies from reporting.

2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are WYNDHAM XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Debt collection

XXXX.collection account placed on my credit in XXXX of 2015. I have never had a XXXX account and have found several similar instances of this happening with XXXX to people all over the U.S. my cell provider has been XXXX or XXXX for the last ten years. I am considering having my attorney file suit against both XXXX/XXXX and the collection company if they do not get this corrected EXTREMELY QUICKLY.
Product: Credit reporting or other personal consumer reports

I have paid over {$850.00} on a {$2000.00} loan in the last XXXX months. They are saying I have a remaining balance of almost {$1900.00}. Their payment app does not show percentage breakdowns of how payments are applied. It does not show a remaining balance. It only shows when a payment is due. I had to call to get this information. That was after they incorrectly reported my balance to the credit bureaus multiple months in a row show {$50.00} and {$100.00} increases in my balance after receiving on time {$210.00} dollar payments. My balance should be reducing over {$400.00} not increasing by {$100.00}. That is a lie.
Product: Credit card

I have been using the Discover It cashback card for over a year now. I and my friend got it almost at the same time. He recently told me that he received a retention offer from Discover : 3 % additional cashback on all purchases upto {$2500.00}. I asked him how he got it and he explained the process in detail. I called in Disccover customer service to check if I have similar offers but the representative said I dont have any offers on my card. I requested if there is lower valued offer available but she confirmed I have none. I told her that I have used the card responsibly in the past one year, I have used the card so much that I had maximised all the 5 % rotating cashback categories and aim to keep using the card. I have been a loyal member of the card by making no late or missed payments. My friend on the other hand uses the card less than what I do and has a lesser accumulated cashback than I do. The representative was apathetic and reluctant to listen and didnt give any offers to me. 

Not only this, my friend also got targeted offers from Discover during the first year .. a cashback offer on XXXX and another elevated cashback offer on restaurants. But I never receive such offers. 

The above incidents clearly represent motivated hate against me resulting in disproportionate discrimination.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$2800.00} payment to Wells Fargo for a promotional balance in the amount of {$2700.00} that was to expire on XX/XX/XXXX. I also had another promotional balance of approximately $ XXXX that I had just gotten and expired in XX/XX/XXXX. Most of my payment was applied to the promotion that I had just gotten and had longer before it expired. Now I am stuck paying interest and do not have {$1800.00} to pay off the balance so that I can stop paying interest. 
The bank said I made the payment too soon and that I needed to pay it off after it expired. That makes it very difficult to avoid paying interest and provides a very small time frame to make a payment. This may be legal but is not ethical and seems very tricky. I am sure other people get stuck in a vicious debt cycle because they are not allowed to allocate their payments to the balance that they need to pay off. I do not understand why this is not allowed by banks.
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform .Despite using Zelle numerous times and reporting descripencies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible the CFPB 's findings indicate that Zelle has not only neglect to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Debt collection

I reviewed my credit report and saw two medical collections with the same collection company, i do not owe the alleged debts. And To my understanding medical information under 12 CFR 1022.32 can not be shared. Also it would need prior consent to be furnished under 15 U.S.C 1692c ( a ). It is upsetting that this sensitive information is being passed around.
Product: Credit card

I dont use this card often at all, I have had no charges on the card for months and must have unknowingly used that card via XXXX XXXX to make a small purchase under {$15.00} in XXXX. I received no notification about the charge or the balance due via email, mail, phone call, etc so the charge went unpaid and eventually became past due. So now my credit score is impacted negatively. The only reason I found out about this charge and late payment was from my XXXX account telling me my credit will be impacted. I searched through my email for anything from the bank and got one email on XX/XX/XXXX saying I had a new charge that was due in XXXX. 

When I went to make it right, change my notifications as well as set up autopay it was an incredibly arduous process to tackle. I had to use the app for one thing and the website for another which included the process of resetting my password because the app and the web do not interact. I had such a hard time getting anything accomplished ( updating notifications, setting up autopay, etc ) that I opted to get support but the only option for support is to call and wait in line to talk to someone. By this point waiting in line forever to talk to someone was even more time wasted and even more frustrating. Even the bot that was supposed to help just took me down random rabbit holes that didnt help at all. Why are there no effective bots, no ai agents, no contact us option for email, chat, or any other form of convenient communication?

Given the nature of how difficult it was to accomplish any of these tasks and how other banks do not have these obstacles, it seems purposefully difficult to navigate Bank of America. The amount of hoops a customer has to go through just to keep their account above board is egregious and beyond what is reasonable to expect. It seems as though by making it so difficult, they rack up more income for the bank through interest and late payment charges etc. while the customer pays the ultimate price of a lowered credit score. They dont want to help or be convenient.
Product: Debt collection

CFPB + Hunter Warfield, Per my XX/XX/2022 XXXX credit report there is a collection from your company listed I am unaware of and I am requesting its validation. 

Attached to this complaint are : - drivers license of ID as well as address - written complaint - screen shot of location on credit report Please have this investigated, and if it can not be validated, removed from my credit reports immediately.