23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute the inaccurate reporting of late accounts on my credit report, which violates compliance with the law. Upon Contacting the bank, I talked to someone within the company to confirm the documents had been received and they informed me that they never received documents from the CFPB. Despite numerous attempts to rectify the situation, the late accounts remain inaccurately reported. This not only undermines my creditworthiness but also violates consumer protection laws. 
XXXX XXXX XXXX
Product: Checking or savings account

Cash app has locked my card and wont provide me information of why my card is locked. They are only requesting verification documents and refuse to provide me with information of why my card is locked and cant be unlocked
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint concerning fraudulent activity I experienced while using the Zelle payment platform, which is operated by Early Warning Services and supported by major banks including Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX. I promptly reported the fraudulent transactions to Zelle. Despite providing all necessary information and cooperating fully with their investigation, my claim was denied, and I was advised that no reimbursement would be provided. I am aware that the Consumer Financial Protection Bureau ( CFPB ) has initiated legal action against Early Warning Services, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX for allegedly failing to protect consumers from widespread fraud on the Zelle network. The CFPBs lawsuit highlights that these institutions rushed Zelle to market without implementing effective consumer safeguards, resulting in significant consumer losses. I respectfully request assistance in recovering the funds lost due to fraudulent transactions. As well as, an implementation of more robust fraud prevention measures by the involved institutions to protect consumers in the future. Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

My account with 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 those account 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  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: Consumer Loan

TD Bank is reporting in my file that I missed a payment which is not true. When payoff was made on my account with then they presented the payoff amount to me and the total amount was paid off as they requested. I was never ever missing a single payment and somehow they got confused and are showing 1 month as missing aand not paid. I never ever missed a payment,
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Payday loan, title loan, or personal loan

I received a notification on XX/XX/XXXX from Affirm informing me that they had locked my account. When I spoke to a Customer Service Representative, they said, my account was locked due to suspicious activity. The rep asked for identification information, first and last name, address and social security number. The representative informs me that affirm will email me the next steps. On XX/XX/XXXX, I receive an email with a link from affirm to submit my Driver License and a live picture of my self. The email states that the security and fraud team reviews results 1-4 business days after submitted. Since XX/XX/XXXX, no one from Affirm has contacted me. Ive called customer service by phone on : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX. Ive emailed them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have never received a reply. The email address they provide to consumers is : customercare @ affirm.com. Every time Ive called Affirm its a struggle to understand them as most speak a different language than XXXX. I have been told over and over again I cant help you, the appropriate department is processing your case, your account was compromised. I have been told that it should only take XXXX business days to resolve. As of XXXX, its been beyond the time frame. In addition to, I have to make my payments over the phone due to not having access to their website or the app. I feel that I am not being treated fairly. I am the consumer and if indeed theres a security and fraud issue on their end, with their system of support, I should not be denied access to my loan accounts. I am not able to view any information including personal information that I have provided to affirm when opening an account in XXXX.
Product: Vehicle loan or lease

Well I tried to refinance for a lower payments but the interest is so high I haven't been paying on the principal and my rent is XXXX with electricity bills with misc. Things I pay for as such as food and clothing which is make it hard for me to make a living just asking for lower payments as well as paying to the principal instead of the high interest rates please
Product: Mortgage

On XX/XX/ 2018 a 10 ton 100 foot tall oak tree crushed my living room. 
In the state of Virginia, that means that the lender CitiMortgage holds funds and releases them as progress is made no the insurance claim. 

As of XX/XX/2018, the living room has been reconstructed, painted, etc. 

The CitiMortgage system for managing inspections to get money released is broken. It has been 6 weeks since I started my request for final inspection and release of remaining funds. CitiMortgage would cancel inspections with no contact or notice. When the inspection was done, it was agreed that 100 % of structural work was complete and minor paint touch up was needed for walls and for floor. 

CitiMorgtage has decided that they will not honor the 100 % structural and are stating, without contacting me or reviewing with me. At first they claimed that only a 33 % complete inspection was done ( again their XXXX XXXX XXXX system is broken ) and then they have decided that since there is still some plywood in my living room protecting the floor while we finish any painting and getting money to pay for removal of the damaged baby grand piano ... .they have decided that we are only 95 % complete and as such will not release any funds. 

I am not allowed to get past any phone support at CitiMortgage to talk to an actual person making a decision. 
This has been gong on for 6 weeks. The amount for the remaining funds is about {$22000.00}. 

I am truly dissappointed at CitiMortgage. They come off as a desperate bank that is not interested in letting money, that is not theirs, go.
Product: Money transfer, virtual currency, or money service

I had my girlfriend help me with my finances i have XXXX XXXX in XXXX AZ she changed my direct deposit to her personal Chase bank in XXXX XXXX account I berly found out. now doesn't answer me and keep {$6000.00} XX/XX/2018 - Install of XXXX, XXXX - Tran ID DP XXXX - {$2700.00} XX/XX/2018 - Install of XXXX XXXX, XXXX - Tran ID DP XXXX - {$2500.00} XX/XX/2018 - Sale Advance XXXX, XXXX - Tran ID DP XXXX - {$800.00} Let me know if the bank needs a release date from my end - I'll be glad to talk to them if any other bank information is needed - good luck Mr. XXXX, hope bank can resolve the matter for you soon
Product: Credit reporting or other personal consumer reports

Please consider this as my refilling complaint to the FAIR COLLECTIONS & OUTSOURCING for allowing the fraudulent accounts and for not taking corrections on my credit report. I have my dispute letter dated XX/XX/year>, with the identity theft report number XXXX.They allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$470.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) No contract Exist ... grave errorfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit card

In spite of good credit ( better rating than when I applied for the card ) and zero payment issues with their company or any other creditor, Synchrony Bank, Walmart Credit card arbitrarily reduced my credit balance from {$3000.00} to {$1500.00}. I 've attempted to correct this through them and they only give me the run around and refuse to return it to the limit that was originally issued. They can not specify any reason as to why it was reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance # XXXX is reporting as charged off with a balance on my credit. I paid off this full debt years ago and received the title for it. This is an error on their part and I have tried to get them to fix it but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX 's credit collection agency and i came into a payment agreement where i would pay XXXX down and XXXX a month thereafter on a debt totaling XXXX. Also with payment arrangement XXXX/XXXX 's debt collection agency would then remove this debt collection off of all three credit reports. i have not received the contract, i mailed them XXXX, the negative item is still on my credit reports
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX C XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXXXXXX XXXX Balance : {$47.00} XXXX XXXXXXXX XXXX XXXX : {$350.00} XXXX XXXX Balance : {$4700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

My auto loan was paid off XX/XX/2019. 

I overpaid {$690.00} and asked for a refund. The bank wont provide a refund of the overpayment without asking two times. 
My account has been closed so Im not able to gain access and submit a request. 

Ive tried calling multiple times, and hold the line for an hour multiple times before ha hanging up in frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was never past due. Originally serviced by XXXX, was always in forbearance. After was serviced by XXXX XXXX XXXX. We extended forbearance until it was transferred to XXXX end of XX/XX/XXXX. Made first payment on XX/XX/XXXX before it was due in XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT. The List of accounts below have violated my federally protected CONSUMER RIGHTS to privacy and confidentiality under 15 USC 1681. XXXX - XXXX 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A. Section 2, States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, Other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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. 

I submitted a fraud dispute directly to XXXX, and they contacted me on XX/XX/year> that the account is in fact fraudulent but the credit buearus have yet to update the information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX 2025, along with a Federal Trade Commission ( FTC ) Identity Theft

Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXXXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Subject : Unfulfilled Promotional Bonus on American Express XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to raise a concerning issue regarding my American Express XXXX XXXX XXXX credit card. In XX/XX/2023, I applied for this card enticed by a promotion promising new cardholders XXXX bonus miles upon fulfilling specific spending requirements. 

Here 's the summary : I applied for the American Express XXXX XXXX XXXX card on XX/XX/2023, primarily due to a promotional offer, which assured new cardholders XXXX bonus miles upon meeting specific spending criteria. 

I diligently met the spending requirement within the promotion 's time frame, providing documented proof of this. 

Unfortunately, my attempts to resolve this with American Express through online chat and phone support have been unfruitful. 

I expected to receive the XXXX bonus miles as promised, but they have not been credited to my account. 

I request your assistance in investigating this matter and ensuring that American Express honors their promotional commitment by granting me the XXXX bonus miles. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filled this consumer complaint to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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 consist of XXXX personal credit card accounts opened at XXXX XXXX XXXX on XXXX XXXX,2019 under the account number XXXX and the other personal card account opened at XXXX XXXX XXXX  on XXXX XXXX under account number XXXX, and XXXX personal loan account opened at XXXX XXXX XX/XX/XXXX under account number XXXX and the other personal loan account opened at Upstart/Finwise on XX/XX/XXXX under the account number XXXXand a collections account opened at XXXX XXXX XXXX  XX/XX/XXXX with a balance of {$1300.00} that appears related to the aforementioned personal loan account opened at Comenity capital bank and another collection opened at XXXX XXXX  XX/XX/XXXX with a balance XXXX XXXX.These accounts along with the collection listed appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collection are the result of identity theft and fraud. I have attached a copy of FTC XXXX XXXX XXXX XXXX XXXX  XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of XXXX XXXX and fraud.
Product: Credit reporting or other personal consumer reports

Recently checked all 3 reporting accounts and noticed a lot of inquiries from multiple sources. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after XXXX days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.