23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

API out of New York contacted me. They also contacted my grandmother. Told her the amount I owed also told her I could be taken to court or wages garnished. They have not sent paper by mail to my address. Will not give a return address. They took a XXXX dollar payment and then on the next payment we would pay XXXX. Called and did not get anyone. It said the XXXX customer was unavailable. The next day they called me. I asked about the XXXX deal. She knew nothing of it. XXXX is a local MS , TN & Al cell phone company. All I could pay was another XXXX dollars. They would not take it. Refused. Said they were turning it over to the courts. Also threatened my wife with charges. They sent a plain envelope with a basic layout to my grandmother with no return address only the amount I owed. Threatening, claiming court & garnishing of wages, giving out personal & financial info & not taking a payment because the amount was n't what we agreed on. I will not pay them anything else. API out of New York, I guess used all those tactics toward family member & myself.
Product: Money transfer, virtual currency, or money service

Hello, I have XXXX 1 month trying to send my bitcoins to another wallet or withdrawl my money thanks to coinbase I lost XXXX, I just want my money or send my bitcoins to another wallet, They didnt answer me anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : XXXX XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Product: Student loan

My daughters loans were taken out through Parent Plus loans which according to the TPD so Mohela sent a notification that all her loans were sent to XXXX who did the Total Permanent Discharge of all of her loans dated XX/XX/scrub>XXXX  I have the letter from XXXX that all of her loans were TPD status I am disable and have been for awhile. 

And they keep sending me correspondence as if they are not aware of the status. I have terrible aXXXX due to this I have been put on XXXX XXXX  due to the constant negligence of Mohela. They are aware that all loans were TPD status. If you log on to studentaide.gov the balance shows {$0.00}. on all loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on all my credit reports that it is paid and closed but 30 days late. I have been in contact with the company, Santander Consumer USA and they are stating that they can not remove the 30 days late. I do not understand how I am late in XXXX of 2014, when I got a new car on XXXX XXXX, 2014. I do not understand how I was late, when in the month they are stating I was 30 days late, I got a new car. If you look at my history that was my only " late payment ''.
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 violates 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 appropriate redress for these violations.
Product: Mortgage

Good Afternoon, I believe that American Financial Network Inc. is making false and misrepresenting statement 's to the buyer 's of my house, as to whether they can be given a mortgage loan or not. They keep asking for extensions without an explanation as to why settlement can not be reached, resulting in an over month long delay in closing so far. Only recently have they started communication with me and my realtor and keep giving different, contradictory reasons to different people as why the loan can not be granted.

This is apparently a pattern of behavior, as my realtor has agents under her who are dealing with the same problem with XXXX with different real estate deal 's. The constant delay 's have resulted in a situation where I have had to do a preoccupancy with the buyer 's, as my tenants moved out long ago and I can not afford the mortgage by myself. I am not in a position to rent an apartment without my settlement check and I am at risk of XXXX. Any assistance with this matter would be appreciated. 

Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and Equifax in written email and verbal communication without any success. I have been a victim of identity theft in which all three credit reporting bureaus have a copy of the police report. XXXX XXXX XXXX XXXX  is listing an account that isn't mine! I have reached out to all three credit reporting bureaus for over 12 months and the disposition is that where've in the midst of a COVID-19 pandemic and its taking longer. I understand but the law states 30 days sand its ben 1 year if not longer. 

I've reached out to the merchant XXXX XXXX XXXX XXXX  on XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX without any success. 

I've reached out to all three bureaus on XXXX XX/XX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX 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 XXXXXXXX, Bankruptcy XXXX # : XXXX, Inquiries -XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # # # XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

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
Product: Student loan

Around the beginning of XX/XX/XXXX, I was contacted by Student Advisors who told me that they provided " student debt services '' and could get student loan forgiveness through them at a certain fee. Being deceived, I signed an online " contract '' w/ them to start using their services. Their " financer '', XXXX XXXX XXXX has since w/drawn {$130.00} twice, once in XX/XX/XXXX and once in XX/XX/XXXXwith a third w/draw scheduled to be w/drawn from my credit card on XX/XX/XXXX. I have spoken to a XXXX XXXX, an XXXX XXXX, an XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and a XXXX. All of them told me that the work directly w/ the Department of Education to get student loan forgiveness, and they were very deceiving and convincing. Seeking relief from student debt, I had already been contacted randomly inXX/XX/XXXX, by another " company '' that I forgot about, Student Advocates whose " financer '' is Equitable Acceptance. I have been making payments of {$39.00} ( sometimes a little more or less ) plus interest monthly since the above mentioned date. Being XXXX, I have sent both these companies copies of my tax returns, paystubs, as well as sharing private, legal information such as my Federal Student Aid ID w/ them after being deceived into doing so. XXXX XXXX XXXX claimed that they work directly with The U.S. Department of Education. Equitable Acceptance claimed that they work with my student loan servicer, XXXX. After speaking to XXXX, The Department of Education, and Federal Student Aid, FSA, they told me that they don't work with third part entities and that neither one of these companies have been in touch with them.
Product: Credit card or prepaid card

Hi I have a Macy 's store card. from XXXX XXXX. I am always on time in making payments and always used to pay full amount i have owed. During XXXX XXXX i made some purchases and returned some. So i got bill but I forgot to pay the bill which is due by XXXX. In XXXX XXXX XXXX i went on vacation as I did n't have electronic statements enabled i did n't look at the bill. I have returned from my vacation and then while looking at the credit report on credit karma i have observed that there is payment due and i have made complete payment along with the fine and interest on XXXX XXXX XXXX tough it is reported to the credit agencies i thought that it will fade away over the period. 
Now i am looking to buy a house and observed that this is the only factor that is effecting my score. may be more than 40 points. I tried to check with macy 's if they can remove the -ve mark to which they did n't agree as they need to be truthful. Agreed what they are doing is right. But effecting the credit score for only 1 missed payment that too for 7 years even tough i have all the other things perfect. i felt it is not fair. 
I am writing this not to blame anyone. but to bring you to your notice that some things needs to be considered looking at the history. i paid fine and still being punished and for 7 years which is long period and i need to keep paying more mortgage interest as i have reduced score for other 7 years or more. To Error is human but what credit reporting scores are checking is that we should never make errors and it is like 1/2 life time punishment considering full life time punishment is 14 years. 
It will be helpful to guide me if you have observed any issues like me and you have resolved. if not i need to live with it for other 6 more years paying more for interest for 1 mistake ( not enabling E- statements so that i could have known before that i missed a payment )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial XXXX/XXXX/XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; 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, credit repair services, or other personal consumer reports

Cascade loans reported my account past due to credit reporting bureau for the month of XXXX and XXXX. Even though my payments were automatically debited from my account for years prior, cascade stopped debiting my after balance were payed off from original loan, but not the deferred balance from a previous company and automatically report my account as delinquent without notification the deferred balance would not be automatically taken from account like all other payments and I wasnt aware of this I feel they should of made me aware that deferred balance doesnt qualify for automatic payments
Product: Debt collection

Trans Union is trying to collect on a national grid bill I never order. I have No knowledge on what property this national grid bill is suppose to be on. If you look at my credit report I have 100 % on time payments. 

Someone used my name to access this account in my name. 

They are still holding me responsible when it is not mine debt!!!!!!
Product: Mortgage

Purchased a home in XX/XX/XXXX. First and second loan was with XXXX XXXX.

In XX/XX/XXXX we modified our 1st loan with XXXX. We asked about the 2nd loan/HELOC with XXXX and the XXXX representative said our 2nd was written off.

XX/XX/XXXXFiled Ch XXXX bankruptcy XX/XX/XXXX - Trinity Financial Services claims they own the 2nd mortgage/HELOC. Hounding to pay $ XXXX+ to bring current or pay off $ XXXX+ XX/XX/XXXX XXXX XXXX from XXXX XXXX confirmed our 2nd Mortgage/HELOC Chase loan # XXXX was " written off '' on XX/XX/XXXX.

Through my own research of calling the companies involved, I found that on XX/XX/XXXX XXXX XXXX XXXX   transferred 2nd deed to XXXX XXXX and XXXX XXXX XXXX ( now XXXX XXXX XXXX XXXXXXXX ext XXXX ), although the Trust hadn't been created until XX/XX/XXXX.

XX/XX/XXXX XXXX XXXX/XXXX XXXX transferred to Trinity Financial oXXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. - XXXX   It literally took 4 hours on the phone with XXXX  for them to find it was sold to XXXX XXXX, which is now XXXX XXXX XXXX   XXXX XXXX said they bought it from XXXX XXXX on XX/XX/XXXX, then sold it to Trinity XX/XX/XXXX.

I don't understand how XXXX XXXX  received the deed to begin with. The recorded papers filed with XXXX XXXX County do not match up either. Only filings are the initial purchase recorded XX/XX/XXXX between XXXX and myself and then nothing until two recordings onXX/XX/XXXX. The first, DOC # XXXX looks as if the companies stamped in their information and it still doesn't make sense. The " Note dated : '' is incorrect. The date of the Trust is XX/XX/XXXX, yet the letter was signed and notarized on XX/XX/XXXX The second one is between XXXX XXXX and Trinity Financial Services and this letter was dated XX/XX/XXXX.

Even if Trinity turns out to have a legitimate claim to this heloc, they have only offered us two options to avoid foreclosure, come up with {$94000.00} to reinstate the original loan or pay off the total for {$260000.00}. Given we thought the loan was forgiven almost 10 years ago by XXXX  ( XXXX Representative and a XX/XX/XXXX loan statement balance of XXXX  ) and lack of transparency, we find this unreasonable and unfair.
Product: Money transfer, virtual currency, or money service

XXXX phished an email disguised as the title company I was using. The real escrow account and information is different than what this scammer submit, and me thinking the email was legit wire instructions. They knew when I was closing and to send closing emails.
Product: Credit reporting or other personal consumer reports

I previously disputed and successfully had the following fraudulent accounts removed from my credit report : XXXXXXXX XXXX ( XXXX ) and XXXX ( XXXX and XXXX ). After multiple disputes, these accounts were finally deleted from my XX/XX/2025 credit report. However, despite this, Equifax has now put them back on my XX/XX/2025 report. This is completely unacceptable and a serious violation of my rights. Deleted accounts can not just be reinserted without proper proof that they are accurate and a written notice sent to me within five business days. I never received any such notice, which means Equifax has knowingly violated federal law and failed to follow basic procedures to ensure my report is accurate. This situation is even more frustrating because XXXX and XXXX have not reinserted these accounts, proving that Equifax is the only one failing to do its job properly. There is no excuse for this kind of negligence and recklessness. The fact that I had to dispute these fraudulent accounts multiple times and now have to do it again only adds to the financial and emotional stress that Equifaxs carelessness has caused me. The repeated reinsertion of these accounts is harming my credit and financial stability by making it look like I have accounts that I do not. Equifaxs refusal to prevent this from happening shows a complete disregard for its responsibility to maintain accurate reports. This is not just an error ; this is a pattern of failure.
Product: Money transfer, virtual currency, or money service

The company closed my account without any notice. I had to call them to inquire about it. Initially they gave me a run around but eventually they claimed that they had suspended my account due to a security concern. When I inquired what the concern was they told me to read the terms and I would find it there. They didnt point me to anything specific. They also closed my husbands account the same way. The only transfer we had attempted to make was to my father-in-law, and that transaction clearly didnt have any security concern because even the names match! The ridiculous part is that no one is able to explain what happened so they just point out to their security concerns, which is very vague. 
The fine print is ambiguous and can be interpreted in many ways. They need to amend so that it can have specific details to it that can be easily sited. 
I was able to find many similar complains online about this company, which means that its their common business practice.
Product: Debt collection

Debt was granted a discharge under section XXXX ( a ) of title XXXX back in 2000.
Product: Checking or savings account

On or about XX/XX/18, I opened a consumer checking account with HSBC by responding to an advertised promotion promising {$350.00} if I deposited {$10000.00} within 30 days and kept it deposited for 90 days. HSBC is still running similar promotions as of the date of this complaint. 

On XX/XX/18, I deposited {$10000.00}. This date is within 30 days of the account opening, fulfilling the promotions terms. 

On XX/XX/18, I withdrew {$9900.00}, bringing my account balance to {$50.00}. The time the account balance was above {$10000.00} was more than 100 days, further fulfilling the promotion 's terms. 

The promotion 's terms stated that the {$350.00} bonus would be paid within 8 weeks ( 56 days ) of  meeting the promotion 's terms, which would have been on or before XX/XX/2018. 

During and before XX/XX/2018, I contacted HSBC to resolve this issue several times. HSBC has continued to engage in obstruction and false statements regarding the account 's history and bonus status. Importantly, they had also refused to honor their promotion for my husband 's account opened under the same promotion, although they later resolved my husband 's account after being confronted about failing to honor their advertised promotion. This indicates a pattern of deceptive and obstructive behavior regarding honoring their advertised promotions. I'm sure the CFPB can verify from other complaintant 's reports that HSBC is well known for this kind of bait-and-switch behavior. Bait-and-switch is illegal in the Untied States, and HSBC knows this yet continues to engage in it. 

I have attempted to resolve this with HSBC for several months, and have been in contact with them about this issue more than 4 times. They keep refusing to honor the terms of the promotion, and point me to terms of a different promotion altogether. 

I would greatly appreciate the CFPB looking into HSBC 's conduct in this matter and helping to resolve the situation. HSBC 's internal complaint confirmation number is XXXX
Product: Mortgage

I have three rental properties covered under one insurance policy. Each of the properties has a mortgage, and collects escrow towards payment of taxes and insurance as part of my monthly payments. I have already filed a complaint against one of the mortgage companies, XXXX, and am now filing another complaint against XXXX XXXX XXXX, who holds the other two mortgages. Between these two companies, they failed to pay the insurance renewal from the escrow accounts, resulting in loss of coverage. As describe din my previous complaint against XXXX, PNC has also been uncooperative in remediating this problem. On XX/XX/XXXX I learned that PNC did not have a renewal invoice, although my agent claimed to have faxed it on XX/XX/XXXX. I asked my agent to resend with a breakdown of amount due per property. She resent it on XX/XX/XXXX, plenty of time before the renewal date of XX/XX/XXXX. I followed up with her on XX/XX/XXXX, and learned that she had been leaving messages with PNC, but no one had returned her messages. I called PNC again and gave them her contact info and demanded that they follow up. On XX/XX/XXXX I received a message from my agent asking for my social security number, because PNC was refusing to discuss my accounts with her without this information. On XX/XX/XXXX my agent sent a message stating that she had spoken with XXXX in the PNC insurance department, and that checks were being issued and rushed that same day. However, as of XX/XX/XXXX no payments were received, and when I called PNC, I was told that they never received the invoice, bringing us full circle to where we started. I asked for a supervisor and was sent, after a long wait, to a voice mail for XXXX XXXX. I am awaiting a response.In the meantime, insurance on all three properties has lapsed, and the underwriter is refusing to reinstate, even if they receive the payments immediately, so I am now being required to await another quote from underwriting, and will most likely have to pay out of pocket for the insurance once that is received to avoid further exposure. I am living paycheck-to-paycheck right now, and can ill afford this additional expense after having dutifully made my principal and escrow payments each and every month on time and without fail. If I am having so little luck getting them to pay the insurance in a timely manner, I feel that I have little chance of collecting reimbursement form them for paying the insurance myself.
Product: Credit reporting or other personal consumer reports

The account balance reported by Wells Fargo contains significant discrepancies across credit bureaus : XXXX : {$500.00} XXXX : {$0.00} XXXX : {$760.00} This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that all information reported to credit bureaus must be 100 % accurate to ensure fair and transparent credit reporting practices. 

Wells Fargo is failing to provide accurate account balance information to the credit bureaus, resulting in discrepancies that adversely impact the consumer 's credit report. This is a direct violation of the FCRA and demonstrates a lack of compliance with federal laws that require accurate and consistent credit reporting.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, of collection account opened at XXXX XXXX  XXXX XXXX XX/XX/XXXX under the account number XXXX, A collection account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.