23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

these people keep calling every day -- have a XXXX XXXX so not able to XXXX but XXXX the phone numbers they use from multiple states and they never use relay to call -- - the XXXX searches for phone numbers say rpm and receivables performance management from others complaining who they are so think this is their debt scam coming back for more tries at debt they completely made up and was disputed many times and each time they would just change who supposedly owe and try again and again and again and this fraud collection has a history of making things up and harassing people to pay debts they faked and will not leave me alone
Product: Credit card

Last XXXX my wife and I were vacationing in XXXX. For most of our charges we used a XXXX Credit card issued to us by TD Bank. When we returned home we reviewed our statement and saw that on XX/XX/year> a charge for {$960.00} was made that was not authorized by us. The vendor name was listed as XXXX XXXX XXXX XXXX XXXX. We did not do business with this vendor. The charge was fraudulent. I personally researched the company and found that they were going under the cover of being a " consulting company '' that seems to have gone out of business and moved their address several times. This was confirmed by an employee at the XXXX that we stayed at. I wrote and called numerous times to TD Bank and they said they would not honor this as fraud because it was made at a terminal and charges were made before and after this charge. I explained that many XXXX restaurants and clubs hold your card while you are in the establishment so you do not leave without paying, and any digital pirate could have ripped down the information on the card and made the charge. They ignored this and kept sending me the same form letter. I wrote to the head of fraud for TD Bank and my letter was returned without explanation. In my last attempt to deal with them I asked for this simple information : a ) where and exactly when was the charge made ... full address and time of day, b ) what exactly was purchased, c ) proactive contact to the vendor to verify their legitimacy. They completely ignored this request and kept sending me the exact same form letter saying they were not going to pursue because the card was in my possession ( which many times, as explained above and to them, it was not ) and charges were made before and after the alleged fraud. The situation remains unresolved.
Product: Mortgage

Our mortgage was bought by Ocwen during bankruptcy. As time went by we finished our bankruptcy and had court orders stating that we are to pay a certain amount and that all past delinquent payments were considered paid in full. Ocwens attorney agreed to this order signed by the judge. We have made the required payments on time every month and most often paid more. We have bank statements verifying all monthly payments were on time. Ocwen is now sending letters saying they are missing payments, and are adding late charges to our account. I have tried talking with them over the phone but can not get anywhere with them. Each time I call I get different answers. They are now sending people out to take pictures of my house. I can only assume in preparations of foreclosure. I am not late on any payments and can prove it. My lawyer has instructed me to send a certified letter to the Ocwen attorney that represented them in my bankruptcy hearing. I have done this but have yet to hear from them.
Product: Credit card

I received a letter in the mail from Chase Slate XXXX Visa Platinum postmarked XX/XX/XXXX stating that I had applied for a credit card but was denied. They utilized XXXX XXXX to pull my credit. I did not apply for a credit card recently. I called Chase on Sunday the XXXX to let them know this. I also called XXXX XXXX on XX/XX/XXXX to inform them. They put a fraud alert on my account/file and recommended I create a report.
Product: Bank account or service

XXXX : WHY BANKS SHOULD NOT OWN BROKERAGE SERVICES OR RECOMMEND ANY STOCK / BANK STOCK / WRITTEN DISCLOSURES REQUIREDDear XXXX XXXX XXXX, At the start of the XX/XX/2008 financial crises I was recommended to a Financial Adviser at BB & T, XXXX XXXX. He built trust over a period of years and became a friend, I thought. We had numerous conversations about " Capital Preservation '' and my numerous request not to be on BB & T 's solicitations financial services products and numerous conversations that my cell phone number not to utilized by BB & T 's solicitations for financial services. When BB & T offered an 8 % preferred stock offering, XXXX XXXX called and set up an IRA securities account for me. A couple of years later to conform to Dodd-Frank rules, I learned years later, I received a unsolicited call from XXXX XXXX stock associate, XXXX XXXX, XXXX strongly selling BB & T " replacement '' preferred stock a new preferred with no disclosures regarding the risk of loss, no disclosure statements, promoting his CFP ( Certified Financial Professional ) ethics, my best alternative, etc. Substantial losses occurred as BB & T customers looked for the safety of FDIC deposits only to be moved over to unscrupulous BB & T products and employees for the benefit of BB & T Dodd Frank requirements. Later other BB & T employees stated " they would not have touched selling the BBT preferred, especially after not being able to recommend the BBT common stock. '' I think XXXX XXXX, XXXX should had disclosed he was not acting in my best interest ( as required by the CFP ethics ) and even though XXXX XXXX was 100 % of the time utilizing the trusting XXXX logo, he chooses when he is utilizing the XXXX ethics. Financial brokers should be required to provide disclosure material by email or other written form, make there financial recommendations and disclosures in writing, and have executed forms of disclosure. A " Know Before You Purchase My Stock / Financial Instruments Recommendations ''. 
Further more, I understand, that XXXX XXXX on numerous occasions, circumvented my attempts to " move away '' from his services and stay within BBT. I attempted on numerous occasions to deal strictly with another broker that I had know from XXXX and XXXX XXXX and his manager, XXXX XXXX prevented my request, another CFP violation. 

Bottom Line : It appears that the banks draw in deposits with FDIC assurance and build trust with a financial adviser ; at the same time strongly push and make financial incentives for the financial adviser to transfer deposits over to the brokerage side of the bank while building trust with logos like XXXX and later claim the XXXX trust and ethics are applicable. 
Request that the CFPB make rules to stop predatory stock sales, require written disclosure and upfront cost disclosure and risk, be fair and transparent, hold the financial institution responsible for the employees services and / or dishonesty.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year>
Product: Debt collection

On XXXX XXXX, XXXX our house burned down. All XXXX equipment was lost in the fire. We called XXXX on XXXX XXXX, XXXX to report the loss of equipment. We were told by the customer service rep that we would receive a bill for the final amount. In XXXX XXXX, we received a statement dated XXXX XXXX, XXXX showing the charges for the service and equipment. On XXXX XXXX, XXXX we paid the balance on the account. Now, 3 years later, we are being harassed by XXXX collection agencies for a XXXX charge of {$140.00} for which they have not produced any documentation as proof that this is a valid charge. The harassment began in XXXX XXXX and has continued even though we have produced documentation showing our account paid in full.
Product: Checking or savings account

On XXXX XXXXXXXX XXXX charges flooded into my Wells Fargo account, from an individual or individuals, allegedly using the card simultaneously in XXXX XXXX XXXXXXXX, and more recently in XXXX, which the bank declined. 

Despite the obviousness of this flurry of out-of-town fraudulent transactions, Wells Fargo has returned only {$320.00} consisting of XXXX transactions in XXXX, but has withheld returning {$320.00} : a {$260.00XXXX XXXX XXXX charge in XXXX and two XXXX charges made in XXXX XXXX, on the same day! 

For their purposes, they should certainly try to figure how some of these fooled their security systems. That is not my job. 

I want my money back in my account now, where it should remained.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Former XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I paid my Macy 's American Express bill off in the amount of {$3700.00} on XXXX XXXX, my bill was due on XX/XX/year>. 

They charged me an interest fee of XXXX. Why are I being charged additional interest on a credit card that I paid the full balance. 

Thank you. 

XXXX XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX : Account NumberXXXX  Account Name : XXXX XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX XXXX  : Account XXXX Account Name : XXXX XXXX XXXX : Account NumberXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a 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.
Product: Checking or savings account

I am the executor of my brothers estate. He passed away in XXXX on XX/XX/23. There was a large amount of money withdrawn from his checking account from XX/XX/23 to XX/XX/23, which cleared out his account. He is single and no one elses name was on the account. When the US Embassy returned his belongings his card was in the wallet. 
I filed a fraud claim with Santander Bank on behalf of the estate, and received denials from the bank dated XX/XX/23. The bank is stating it is not their fault if someone used his card and PIN number after his death. The bank had been notified he was deceased, however, I was informed they could not place a hold on it until they had a death certificate. I did not receive the death certificates from the US Embassy for over a month due to the fact they had to be translated by the Embassy. I believe the bank should be responsible for the XXXX taken after his death on XX/XX/23 since no on else was on his account and the money was taken fraudulently.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : BANK XXXX XXXX, account XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Checking or savings account

The Navy Federal Credit Union account was overdraft for XXXX. I was trying to link another bank to pay the balance/overdraft. XXXX XXXX  sent XXXX micro deposit for XXXX and XXXX with description as account verification. Navy Federal didnt verify the account but keep the two micro deposits. I have to pay {$55.00} the other way to cover it and some {$6.00} left over so the other bank can verify and have some leftover. When XXXX XXXX trying to take the micro deposit back. I was charge for another {$29.00} Non sufficient fund made the account back to overdraft {$23.00}. I asked Navy Federal to return the micro deposit to XXXX XXXX  and waived the {$29.00}. They refuse to do it. So I paid XXXX and instructed to return the XXXX to XXXX XXXX  and close the account as it cause more money and trouble when I am trying to pay a balance. But Navy Federal refuse to give the XXXX cents back to XXXX and transferred it to Navy Federal savings account that I told them to close. They just didnt do what I requested.
Product: Credit reporting

This public record should not be reporting on my credit file! This is an error and I disputed this inaccurate account with Equifax over 60 days ago and never received a response. However, this erroneous public record is still reporting on my credit file after all this time.
Product: Credit card

On XXXX  my card had been fraudulently used without my permission. Someone has used both my personal card and business card for the same multiple transactions leading up to {$10000.00} in fraud claims. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have never done business with this merchant before. However, American Express says they have credited me back and throughly investigated my claims but provided no credits/documentation of contacting the merchant or anyone in this matter. They told me on the phone that they have came to a conclusion and my case has been closed. Going forward, after contacting American Express 's global fraud department ( Horrible customer service ) American Express says : My dispute claim has been closed, as their excuse was " We already investigated this claim. '' You see how misleading this is? How can they have investigated a claim but not contact the merchant or provide any sort of documentation or provide further details about this case? If anything, American Express is the real fraud. As a consumer, I shouldn't have to pay for something that I did not use/purchase. In my personal opinion, I think American Express does not want to credit me back for this amount since this is a large claim regardless of this being fraud. I understand that this is a business and they personally do not like to be liable for anything, but in this case this is just wrong. I would appreciate if the CFPB can investigate further into this matter as I believe American Express is held accountable for this incompetent behavior.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$1000.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$650.00} Fraudulent Personal or XXXX XXXX XXXX or Organization : XXXX XXXX Account Number XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$370.00} Fraudulent Personal or XXXX XXXX XXXX or Organization : XXXX  XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$120.00} Fraudulent Personal or XXXX XXXX XXXX or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/2025 Total fraudulent amount : {$250.00}
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting XXXX, Equifax, and XXXX request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under XXXX XXXX. XXXX ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX  XXXX AND XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Product: Credit card or prepaid card

My father opened up a credit card in my name without my consent an made fraudulent charges on my account with capital one bank
Product: Credit reporting or other personal consumer reports

Dear CFPB, This complaint alleges that the Department of Education ( DOE ) has violated the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in its collection of a student loan debt from me.

Specifically, the DOE has : Failed to Provide Validation Information : In violation of 12 CFR 1006.34 ( b ) ( 5 ), the DOE did not provide me with the required validation information regarding the debt before placing a collection account on my credit report. This information is crucial for me to verify the debt 's legitimacy and dispute it if necessary.

Denied Opportunity to Dispute : Contrary to 12 CFR 1006.34 ( c ) ( 4 ) ( I ), I was not given a chance to dispute the accuracy of the debt before it was reported to credit bureaus. This right to dispute allows me to ensure the information on my credit report is accurate and protects me from potential errors.

Used False or Misleading Informati

on : The DOE 's actions constitute a violation of 15 USC 1681-S 2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ) by using false, misleading, misrepresentative, and deceptive means to collect the debt. They reported the debt without providing the legally required disclosures. Disclosed Personal Information Without Proper Notice : The DOE allegedly violated 15 U.S.C. 6802 by disclosing my nonpublic personal information to a credit reporting agency ( CRA ) without providing me with a compliant notice under 15 U.S.C. 6803. Furnished Report Without Consumer Authorization : Additionally, the DOE 's actions potentially violate 15 USC 1681 ( a ) ( 3 ) by furnishing a consumer report to a CRA without my explicit authorization for a credit or insurance transaction I did not initiate. Potential FCRA Section 607 ( a ) Violation : The DOE 's interaction with the CRA might also be in violation of 15 USC 1681-B ( f ) by failing to ensure the CRA verifies the purpose for obtaining my report and limiting its use.

These actions by the DOE have resulted in : Damage to my Credit Score : The inaccurate or unverifiable debt has likely negatively impacted my credit score, making it difficult to obtain loans or favorable interest rates. 
Unnecessary Stress and XXXX  : The DOE 's collection practices have caused me significant stress and XXXX due to the uncertainty surrounding the debt and its potential consequences.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. Bank of America has already stated that the item reporting on my credit should not be reporting so I need a new credit report with the tradeline DELETED. Also, for the XXXX accounts, I am requesting the method of verification that XXXX used to verify these items per 15 U.S. Code 1681i ( 7 ) as is my right to request under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.