23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I filed a complaint with chase for 2 charges to my account on XX/XX/21 the charges were refunded on XX/XX/21 then charged back again on XX/XX/21. I have tried for a month to fax over m6 paperwork to chase and it never went through. I then spoke to the claims department to get the mailing address and mailed it. I had been calling back to check but they kept telling me it's not completed. Now today I was told that the company XXXX sent in proof of the charges in XXXX. I was never notified or received this information. I have proof that I could not of made these charges because I was flying from XXXX OH to XXXX XXXX fl. I want these charges reversed along with the overdraft fees
Product: Money transfer, virtual currency, or money service

TodayXX/XX/2018 I attempted withdrawing US Dollars from my account in Coinbase. After attempting to withdraw, I receive an email saying my bank is cancelling the deposit. However, my bank XXXX XXXX, states they never received any deposits nor blocked or cancelled any. So I tried Withdrawing again from Coinbase, and depositing into my XXXX XXXX  account. Again, they say bank cancelled deposit, again bank denies. I lost $XXXX already on this, nobody at Coinbase responds, its a shame they even are licensed. Please help me get my money back.
Product: Credit card

We originally had an American Express card with an Annual fee of {$95.00}. In XXXX of XXXX I called to upgrade to a new American Express Hilton Rewards card with an incentive of XXXX or XXXX points ( Not sure. ) This new card had an Annual fee of {$390.00}. The original card had just renewed in XXXX, XXXX and they would not refund the annual payment if I upgraded the card, which was fine. They told us that we would have to close the original account in order to receive the incentive on the Hilton card. We instructed them to close the XXXX account. 
The incentive was supposed to be credited after we charged {$5000.00} or {$6000.00} on the card. This was done in two months. They told us we would be credited the Hilton points within XXXX weeks. 
We called last week inquiring about the points and were told that we were not eligible for them. My husband XXXX, whose name is first on the account relayed the above history. 
They claimed that they would research the issue and get back to us. They have not followed up. I don't believe they intend to honor the original deal.

So we have paid two annual fees, {$95.00} and {$390.00} and no incentive received.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 reporting containing any of the following items of information Any other adverse item 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: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 
XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Early XX/XX/2023 a line of credit was taken out in my name from a bank ( XXXX  ) in XXXX, NY for approximately {$21000.00} ( I've never been to XXXX for the record ). I use the phone app XXXX XXXX, and on XX/XX/2023 it reported that unusual activity had occurred that was affecting my score. I discovered a total amount accrued was around {$20000.00} and the account was closed out. I immediately reported this error/fraud, by disputing it with XXXX, Equifax and XXXX and froze my line of credit with each of the credit trinity. XXXX and XXXX quickly remedied the issues and my score bounced back to somewhat normal. After 4 or 5 different dispute submissions, EQUIFAX seems to drop my score every time I submit a dispute with them after saying they investigated and the case is closed. My score was XXXX, then the fraud. New score approx. XXXX, I reported the issue, 2 days later XXXX. I waited 2 weeks, still XXXX. I disputed again, dropped XXXX. Disputed again, dropped to XXXX disputed again now we're at XXXX. I really need help, I have been waiting to resolve this to get an auto loan and Equifax is apparently terrible AND I want to report that since I reported the dispute the first time, EQUIFAX has been sending me solicitations for their " premium membership '' which rings of coincidental extortion to me. 

Recently I spoke with a friend that is a Mortgage Broker and he directed me to this website/portal. So now I am here!
Product: Vehicle loan or lease

Ive contacted Capital One Auto Finance to remove these inquiries from my report because I didnt authorize. The dates are from XX/XX/2022 through XX/XX/2022.
Product: Vehicle loan or lease

I had an auto loan with Ally Bank. It was paid off on XX/XX/19. I need to do a title transfer, so I tried locating my title in my safe, only to find that it was missing. I went through the trouble of requesting a duplicate from PA, only to find that the lien on the car had never been released ; I had never received my title. 

I have been attempting for months, at this point, to get Ally bank to release the lien. After many many phone calls and tens of hours wasted, they said that I had to have the dealer, from which I purchased the car, get involved. I did and the controller there has been very helpful. He has been attempting for weeks to get this resolved as well. Ally had been contacting him daily to inform him that nothing had been done. They've ceased doing that. The controller recommended I file a complaint at this point. 

After more than a year and a half after being paid off, I no longer have the loan number. 
Ally has been able to identify the lien via the VIN, but has been either unwilling or incompetent to release the lien. The most recent case number with Allied is available upon request ( I have many open ).
Product: Mortgage

XX/XX/2024 {$3500.00} late one payment in 3 years and negative remark on my credit report! They violated the FHA rule. I did not have more than 1 30 day lateness. I had one lateness and they closed my account and sold it to freedom. I want this removed credit reporting.
Product: Credit card

I'm a XXXX XXXX who open checking accounts numbers XXXX XXXX I was XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX Texas XXXX, around XXXX to XXXX. 
During those years, I open department store credit cards account numbers. 
The department store credit cards account was recorded on a database computer with a Texas driver license from the state of Texas. 
The drivers license numbers are, XXXX. XXXX The expiration date is, XXXX. XX/XX/XXXXXXXX XXXX XXXX 
I lost all billing statements.
Product: Student loan

I received a call on Wednesday, XXXX XXXX, 2016 approximately around XXXX. to XXXX. in regards to my XXXX XXXX XXXX XXXX, which has defaulted and has gone to this collection agency : TransWorld Systems, Incorporation, telephone number : XXXX. 
I am so angry the way this gentleman talked to me on the phone. He made me feel like I was " NOTHING. '' I am so upset right now. When this collection agency first called several weeks ago, I started out speaking with XXXX XXXX. XXXX XXXX called last week and she stated she noted my account of what I was currently doing to resolve this debt. I do not use offensive language, but this gentleman that called me caused me to use offensive language. You do not call somebody 's house and speak to them in a way that makes them feel like they are incompetent, ignorant, and beneath you. They are going to keep hassling me about this student loan XXXX and they, XXXX XXXX XXXX XXXX XXXX is not going to get one dime because I DO NOT have a co-signer.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of specific entries in my file, which are listed in the attached report. As a victim of identity theft, I did not authorize these changes. In compliance with the Federal Trade Commission, I have reported this identity theft and have included copies of the FTC 's Identity Theft Affidavit. 

It appears that certain activities about my account contravene multiple sections of the U.S. Code Law, including : 15 U.S. Code 1681 a ( 4 ) - Consumer Right to Privacy. You are reporting fraudulent accounts that aren't mine, infringing upon my privacy rights.

15 U.S. Code 1681a - Definitions ; rules of construction. This law states that transactions are not included in a consumer report. Thus, I demand the removal of all late payments from my report. 
FDCPA 807 - Misleading false reporting. The information you are reporting suggests I applied for these inquiries & accounts, which is inaccurate and misleading.

15 USC 1681 n - Civil liability for willful noncompliance. You accepted credit information about me without verifying its accuracy, leading to willful noncompliance.

18 U.S. Code 1028A - Aggravated identity theft. You shared my information with creditors without my consent, which constitutes aggravated identity theft. 
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information. You didn't disclose to me that I had the right to opt-out of this information being shared.

And several other violations, which I have detailed in the attached document.

I kindly request that you adhere to 15 U.S. Code 1681c-2, which requires you to complete this reinvestigation and block or update all information resulting from identity theft within four days of receipt of this letter. Failure to comply will lead to criminal and civil liabilities as outlined in my attached invoice. 

I am the original creditor, and I did not authorize, benefit from, or consent to the accounts and inquiries listed in the attached report. I filed FTC report # XXXX regarding this matter. 

Please remove all fraudulent accounts from my credit report immediately. According to FCRA 605B, this information must be blocked until the investigation is concluded.

Furthermore, as per 15 U.S.C. 1681g, I demand that you disclose all documents recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 60 days 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 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX dealer services Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction, or crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-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 information is in accurate.
Product: Debt collection

In response to a denial of an extension of credit, this consumer checked with one or more  consumer reporting agencies and discovered the following : 1. On or about XX/XX/2019, Radius Global Solutions ( hereinafter RGS ) began furnishing negative information about this consumer to one or more consumer reporting agencies. ( See attached Exhibit A ) 2. Upon information and belief, RGS is a debt collector as defined in section 803 ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ). As part of RGSs debt collection activities,  RGS furnishes information to consumer reporting agencies. As such, RGS is a person or entity subject to regulation and liability under Section 623 of the Fair Credit Reporting Act ( FCRA ), which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. 3. Section 623 ( a ) ( 7 ) of the FCRA requires that persons or entities such as RGS send to this consumer an initial disclosure stating that RGS may report information about this consumer to one or more consumer reporting agencies. Additionally, Section 623 ( a ) ( 7 ) of the FCRA requires that this disclosure be provided to this consumer in writing, prior to, or no later than thirty days after RGS furnishes the negative information about this consumer to a consumer reporting agency. 4. In connection with the furnishing of negative information about this consumer to one or more consumer reporting agencies, RGS failed to notify this consumer in writing that it had furnished negative information to one or more consumer reporting agencies, a practice commonly referred to as debt parking. 5. Notice of the debt and that RGS is reporting it is of particular importance to this consumer, the deprivation of which has caused this consumers personal character, reputation, and/or credit to be unjustly damaged. In addition to the foregoing, RGS is furnishing the negative information about this consumer to one or more consumer reporting agencies under what appears to be an alleged account ( # XXXX ). Upon a meaningful review and investigation into this consumers records, this consumer has determined that there does not exist a record of any transaction ( s ) executed between RGS and this consumer under account # XXXX. Therefore, it is reasonable for this consumer to believe that RGS is falsely representing to one or more consumer reporting agencies that it holds an account belonging to this consumer. Furthermore, in the absence of such a record, it is reasonable for this consumer to believe that RGS used this consumers identifying information without authority to manufacture and give semblance to the existence of an alleged account.
Product: Debt collection

This account XXXX XXXX XXXX was not mine but I paid it in full because I'm in the process of buying a house and the Creditor when I reached out to them stated that they XXXX XXXX XXXX  would removed the account from my file. 

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

I am writing to formally request the blocking and deletion of a fraudulent account listed below from my credit report. I am a victim of a data breach, and this account was not authorized by me. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to have this fraudulent entry removed. 
Fraudulent Account : XXXX XXXX XXXX  - XXXX - XXXX - $ XXXX
Product: Bank account or service

I own half the house. My father is getting XXXX he 's XXXX yrs old. He goes to the bank and chats with them all the time about finances. The bank tried to get him to get a mortgage instead of keeping his line of credit but since I own half the house they could n't do anything without my signature. Charge him {$500.00} with a guarantee he would get it back. 
My father says he had no clue it was a mortgage. He thought he was just redoing his line of credit and locking in the lower interest rate. He did n't know they were going to take {$500.00} out of his account for a fee. Then when he asked them about the money they told him he was guaranteed to get it back. I had no clue any of this was going on until they asked me for all my account info copies on the bills I pay. Never told me it was a mortgage. My Dad told me it was for the line of credit so I agreed to give them my info. They also told me he was getting that money back numerous times. My husband built a back edition on the house. XXXX was pushing us to get it done by this deadline. Told me he would add an additional {$20000.00} to the house value. I said great not knowing it was for a mortgage. Still thinking it was for this line of credit. All of a sudden I listen to my answering machine about giving them a check for an additional {$2800.00} for closing cost when they come in and sign. 
Now they want my parents to go in and sign I find out its for a 15yr. mortgage not a line of credit. My father is XXXX he would be a XXXX til it is paid off. Bank ca n't do anything without my signature. I wo n't give it. Father do n't want a mortgage either. So when I call up and ask where is the {$500.00} XXXX gets nasty on the phone with me and tells me it was basically none of my business and I 'm not the customer and NO we will not get the {$500.00} back. Well yes it was my business when they needed me to sign for a mortgage instead of a line of credit. I own half the house. They did n't realize I owned half for this reason. Trying to get seniors to loose there house. I make sure all the bills are paid including the mortgage.
Product: Credit card or prepaid card

I used my debit card to purchase a door from XXXX XXXX XXXX XXXX My bank card was with Capital One Bank . The card was run through 6 times and the bank authorized pay ment 3 times the amount was {$4200.00} times 3 that illegal plus my limit was {$2500.00}. I went to the bank and talked to at less 8 agent 4 were supervisors the all had a negative attitude showing me on the screen my account was right but would not let me see the other screen that showed the truth and the name of agent the made 6 illegal mistakes my account is still missing {$4200.00} Tried to file complaint at the bank but they would not allow me to nor give me any information how to file a complaint.
Product: Checking or savings account

On XX/XX/2025 I have received a CashApp card issued by XXXX XXXX  in my residence mailbox. I have never requested a debit card from CashApp and have an active account with my legal name opened long time ago, although I don't actively use it currently. I have reached out to CashApp support over the phone and they've said that they can only discuss fraud over the email. They have requested me to upload front and back of the card I've received over the secure link sent over an email, which I did. They have asked several more questions that I gave answers to : 1. My full legal name is XXXX XXXX. 
2. The name on the Cash App card I have received is also " XXXX XXXX ''. As well, as the name on the Cash App account XXXX XXXX, that I have never opened. 
3. I have been living at my primary residence address for almost 4 years now. 
4. The fraudulent debit card I have received on my address has the following number : XXXX XXXX XXXX XXXX. 

CashApp support has informed me over an email have opened the case XXXX on XX/XX/2025 for my complaint. However, since that they just went silent and don't provide me any update neither over an email, nor over the phone or chat. They completely ignore all my requests and do not communicate with me. 

Adding to the problem is my personal data has been stolen, including Driver License number, bank account numbers and SSN. I've been dealing with Identity Theft for the past three weeks. I have submitted a police report ( XXXX ) and the identity theft report to the FTC ( FTC Report number XXXX ). As a victim of identity theft, I rightfully request CashApp and XXXX XXXX to close the fraudulent account of XXXX XXXX that was opened using my stolen personal information. 

According to California Penal Code Section 530.8 ; Fair Credit Reporting Act Section 609 ( e ) [ 15 United States Code 1681g ], I have the right to get copies of documents relating to fraudulent transactions or accounts created using my personal information. I also have the right to request closure of such accounts. CashApp and XXXX XXXX are interfering with the Penal Code and my rights as an Identity Theft victim. I would really like to resolve this matter without involving lawyers, so I hope CFPB will be able to help me in this complicated matter. 

Thank you, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent a dispute letter to equifax detailing that they are reporting a mortge account late... first date of delinquency is being reported as XXXX XXXX..but on the payments time line see attached..it shows 90 days late XX/XX/2018 and 120 days late in XX/XX/2018 ... so how is the first date of delinquency be in XX/XX/2018... I Have the right for my credit report to be accuate ... im requesting to up date to paid on time never late... XXXX XXXX XXXX XXXX XXXX XXXXXXXX