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

My name is XXXX XXXX, Around XXXX of XXXX I discovered a number of accounts on my credit report that turned out to be fraud and were opened online and in person in several banks/credit unions and department stores without my knowledge causing my credit rating to sink. I started to contact all institutions one by one and submitting documents to explain the situation including police and identity theft reports from government agencies. Most fraud departments were very helpful and resolved the matter within 30 days. I am now in the XXXX month with a number of complaints and correspondence with XXXX XXXX XXXX XXXX without any results. Firstly, they took over 4 months to respond to a number of emails/mails and phone messages. A so called " fraud specialist '' named XXXX XXXX XXXX XXXX XXXX finally took my call and said they were backed up and apologized for delaying my requests to view my case and asked me at this point to re-send my police report.. I did once again and after several months of trying to get ahold of him another member named XXXX XXXX in management ) took my call and essentially told me that I myself was my identity thief.. Yes, she said my voice sounded like the person opening the accounts, she also told me I was on video opening this account in their bank.. I've never been in this bank. She then tried to justify her claims by asking me for my personal information i.e. address/phone/email/dob, and of course everything matched. I told her once again that the information probably matches because my identity was comprised including my email, but she wasn't listening. She asked me what the names of my parents were and claimed that matched as well. Now I'm no expert, but if my information was utilized by a thief it is obvious that the same information is going to be used to open whatever accounts the suspects were looking to establish. In conclusion I am asking for help, since I wasn't able to resolve the matter with this banks own fraud department and found many levels of incompetence, malpractice, false accusations and even discrimination. I felt I was talking to someone who was in fact supposed to help me was asking me if I'm sure I was a victim of identity theft and if that was possibly myself. If anyone knows what its like to go through the mere fact of trying to clear things with financial institutions and then having the very banks fraud department telling me the my email matches the account in question should understand that this department needs new staff and/or is mismanaged.. I will make further reports of this experience to all other agencies registered with state and government and will seek legal counsel if it isn't resolved. 
XX/XX/XXXX
Product: Debt collection

On XX/XX/2022, I received a debt collection letter from CCB. Also known as Credit Services , INC . I do not know how this company is and I have no contract with them. I do not know how they got my location information, name, or SSN. This is a violation of FDCPA and Truth and lending. There is no verification of debt attached to this statement which came through the mail. I believe this company has attacked my credit report and I do not authorize any false statements upon my credit report. It is damaging to me and public trust. 
I request the itemization date pursuant to 12 CFR 1006.34 ( c ) ( 2 ) ( vi ). I request the debt amount as of itemization date. I request the itemization of the current so called debt amount, and the current debt amount. If this request is not fulfilled within the allotted time, then this is fraudulent, and I demand to be compensated.
Product: Checking or savings account

I tried to open a Chase account with Chase they keep closing it I don't know why they won't give me any information they won't tell me what happened nothing they just say close it just says close the account I want to know the reason why I'm not allowed to chase when I never did anything to Chase they won't send me any paperwork nothing so I would like to know the reason why and if there's a way to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes. 
Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading. 
In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Immediately cease and desist any further legal actions, including the pending lawsuit relating to this account, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and relevant state laws.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation. 
Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.
Product: Credit card

On XX/XX/XXXX my wife was required to go to a mediator as part of the state mandated alternate dispute resolution prior to a family law hearing. The merchant 's website stated the sessions are two hours, during the XXXX  XXXX two hours was discussed, but when the bill came it was for three hours.

Unfortunately, as this was mandated it had to be paid at the time, but I disputed it as soon as I could with XXXX. I sent emails communicating this, or following up with requested information/documentation on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( this is where I requested they provide supporting documentation per FTC guidelines ), and most recently on XX/XX/XXXX informing them that they failed to provide documentation as well as notifying them that this complaint would be filed. The only response I get from them now is a statement saying " The amount on the documentation you sent to us is the same as the amount billed to your account ; therefore, we have determined you were billed correctly. '' even though the documentation shows two hours in the agreement, and the paid invoice shows three.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within XXXX days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.
Product: Mortgage

I WAS GOING THROUGH A LOAN MODIFICATION PROCESS WITH A LAW FIRM, WE HAD A HEARING ON XX/XX/XXXX, HOWEVER, THE BANK SOLD MY HOME AT AN AUCTION ON XX/XX/XXXX. 

THE BANK SAYS THEY TOLD THE LAW FIRM AND THE FIRM SAYS THAT SALE WAS POSTPONED, AT THE END I WAS NOT AWARE OF THE SALE UNTIL ANOTHER ATTORNEY TOLD ME ABOUT IT. 
I'VE BEEN AT MY HOME FOR 25 YEARS, STRUGGLING TO MAKE MY PAYMENTS, I WAS TRYING TO GET HELP AND I ENDED UP LOOSING MY HOME. 

NOW I AM WAITING FOR THE EVICTION NOTICE, MY SON, MY XXXX GRANDKIDS AND I DON'T HAVE A PLACE TO GO. I LOST MY HOME, MY EQUITY WHICH WAS ABOUT {$170000.00} DOLLARS AND MY CREDIT. 

I NEED YOU TO HELP ME, GUIDE ME WHAT TO DO.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past couple of months I have been on XXXXXXXX XXXX  unable to work undergoing financial hardship and I have expressed to Sallie Mae on multiple occasions about my situation. When I initially talked to Sallie Mae they did not disclose that my credit would be hit with these delinquencies and in many ways then one have ruined a lot of things for me. Back when I contacted Sallie Mae in the early months of this year I disclosed that I would be going on XXXXXXXX XXXX  and would not have any stream of income coming in for a while. They badgered me with the same questions trying to determine if I qualified for someone that couldn't afford to make payments. The only solution they gave me was 1 month of forbearance and i wouldn't get any other assistance until i paid 12 months worth of full billing payments. I found this to be unbelievable when I am initially contacting them because I was currently undergoing financial hardship. Every time I do get in contact with someone at Sallie Mae I feel as if I get trapped into a deeper hole that I did not sign up for. My credit along side my cosigner credit has been diminished all because Sallie Mae refuse to handle this situation with delicacy and care for the consumer that they are violating. According to 15 USC 6803 a ( 1 ), my nonpublic personal information furnished on my consumer report without my permission nor any full disclosure from the financial institution SALLIE MAE, is a violation. Sallie Mae has continuously harassed me and my aunt contacting us over XXXX times within one week. According to 15 USC communication in connection with debt collection, the company violated 15 USC 1692c ( A ) ( 1 ). A couple days ago I was harassed by Sallie Mae after business hours which business hours are from XXXX to XXXX and after the fact that they accepted to not contact me on this matter, which in turns violates my rights and code 15 USC 1692d ( 5 ). Due Sallie Mae violating my rights it voids out the contract at hand.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of incorrect accounts from my credit report. Can you review the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Debt collection

After multiple attempts to receive validation of debt from Online Info Services via a utility collection, I called and spoke to a rep  named XXXX who hung up on me because she was caught giving false statements regarding validating my identity to access my account. I called back to speak to a supervisor but the consumer collection department screened my calls and did not answer. I called back to back and unfortunately I had to call from another number for someone to answer to assist with my account. XXXX from the consumer collection dept. finally answers the phone so I asked to speak with a supervisor. The " assistant '' manager XXXX told me a letter was sent to an old address that I do not reside anymore so I provided her with an updated address. After providing an updated address XXXX stated the company will not send anything they have on file that states I owe this alleged debt. I asked to speak to her supervisor XXXX and I was sent to his voicemail. This is unacceptable and unlawful for a collection agency to consistently withhold information from the consumer, as the consumer is privy to information that being reported about them.
Product: Debt collection

I had XXXX last year and I wasnt getting paid so it put me behind on my credit card bills
Product: Debt collection

I have never had XXXX XXXX. I do not know what this is and it is not my account. This needs to be removed from my credit.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name XXXX XXXX XXXX XXXX  account number : XXXX
Product: Debt collection

I received calls from XXXX on the following dates and times at my place of employment : On Thursday, XX/XX/XXXX : XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX  Monday, XX/XX/XXXX : XXXX XXXX When they first called, they said that they were with ARA Associates and that litigation has been filed against me in my local jurisdiction for an unpaid debt. They said I owe XXXX XXXX XXXX {$4000.00} for an unpaid debt. Not only do I not have a {$4000.00} account with XXXX XXXX XXXX, which I told them, but I also pay for monthly credit monitoring through XXXX and I have never seen this alleged " debt '' on my account. I immediately knew this was a scam and told them not to contact me again. As noted above, they have continued to call me at the above times. I 'd like for them to be investigated for fraud.
Product: Checking or savings account

I recently requested a new debit card from my bank ( Citi Bank ) because of fraudulent transactions. I received my new debit card and shortly after receiving it I received an email notifying me that my new debit card information was collected by the XXXX XXXX XXXXXXXX XXXX. I tried contacting my bank but was unable to receive assistance after multiple attempts. I then tried to contact the XXXX XXXXXXXX but their customer service number was experiencing technical difficulties. My last resort was to file a complaint because someone has leaked my personal banking information immediately after my receiving a brand new debit card from my bank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that marked inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The IRS said they sent my child tax credit payment on XX/XX/XXXX yet XXXX havent received it. This is the second time Suntrust has interfered with my deposits. Last time they claim they didnt see my tax refund but the IRS sent me a letter saying Suntrust blocked it. The IRS ended up having to send me a check and will probably have to again. Please give me a real explanation about why than happened and no fake excuses.
Product: Money transfer, virtual currency, or money service

A checking account, for Santander Bank, was opened, on my name, by a scammer, XXXX XXXX. He stated, he deposited {$20000.00}, in to that account. I wrote a check, drawn to that account, on my account, at XXXX XXXX XXXX. The Santander account, is a real account, but my name, isn't on it! I needed to repay, XXXX XXXX XXXX. 
I contacted, both banks, without resolution. 
I have been in contact, with the Attorney General 's Office, who are also investigating this.
Product: Debt collection

even after supplying a letter from the company stating the debt is not mine new companies continue to call and try and collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

With u loans has reported a single loan about 21 times on my clarity report. The loan was taken care of yet they refuse to update it! Ive reached out to the Iowa attorney general who says tribal loans cant be enforced in Iowa because of their terms exceeding iowas loan laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX Inquired  on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX OK XXXX Resident type Single family XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX FL XXXX Resident type Single family XXXX XXXX XXXX XXXX, KS XXXX Resident XXXX Single family XXXX XXXX XXXX XXXX, KS XXXX Resident type Single XXXX XXXX XXXX XXXX  XXXX, WA XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, WA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident type Single family XXXX XXXX  XXXX XXXX XXXX A XXXX XXXX, LA XXXX Resident type Single family XXXXXXXX XXXX  XXXX XXXX, TN XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX CITY XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, KS XXXX Resident type Single family XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Single family
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 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 caused significant inconvenience and financial loss, and I seek the appropriate redress for my grievance for these violations.
Product: Credit reporting or other personal consumer reports

I have an education loan with XXXX XXXX XXXX XXXX XXXX and it was serviced via XXXX XXXX XXXX XXXX XXXX. 

I have been flagged for a delinquent account for which I received no notice. I went into the XXXX account back in XXXX to turn off the auto-pay of a bank account that we no longer use and was hoping to change to a new bank account ; however, they do not allow you to simply switch it over. So I was made to come back at a later date. Forgive me if I may have forgotten to do the new auto pay, but I did not ; however, my communication with XXXX did not change at all. My emails remained identical to had I been current with the loan. This does not seem logical, especially given the consequences of credit reporting. 

At no point did I receive an external communication stating that my account was " late '' or " delinquent. '' XXXX XXXX can confirm this and they state that these notices were posted to my XXXX account ( not my email linked to the account ). My issue is that there is nothing in the external communications to let me know that this account was late or delinquent - I have posted the email inbox here with my communications from XXXX. I do not understand how this is logical or fair. XXXX or others let one know in the headline of the external email what the communication pertains to. XXXX doesn't, nor do they ramp up communication if the account is delinquent. They flag your account ( a XXXX year mark ) without any warning. 

And please can we forget phone calls - everyone in america gets a robocall every 10 minutes, so that form of communication has been diluted down to be made completely ineffective. They suggest they " called twice '' but that is hard to believe amongst the chatter of robocalls. Email is preferred and the viable line of communication. 

I would like to dispute the flag on my account but more so to help others who deal with XXXX. Please hold these service providers responsible for clear communication so that the next customer is made aware that their account is about to be irreparably flagged.
Product: Credit card or prepaid card

I've had a Citibank XXXX XXXX XXXX card for over three years. I made the payment ON TIME every month via direct deposit from my XXXX checking account. In XX/XX/XXXX there was fraudulent activity on my wife 's ( over {$2000.00} ) debit card so XXXX closed the account ( the account that was tied to direct deposit ). After closing the fraudulent account, we opened a new account with XXXX with a new number. 

Obviously, when Citi tried to take payment from the XXXX account via auto-pay they were unable to do so as the account was closed for fraud. Therefore, the payment was never received by Citi. I received an email for the lack of payment, attempted 4 times to update the account number online and was unable to do so. So, I called Citi on XX/XX/XXXX to tell them the new account number verbally. The agent was fine with and in fact said they would waive any late fees or penalties as this was a simple oversight on my part. 

OnXX/XX/XXXXI was informed my account was closed and I have no available payment. Again, this account was ALWAYS paid on time and never late - even after the mix up the payment was not 30 days late. This is truly ridiculous so I am filing a complaint in the hopes you can get my account reopened. Thank you.