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

Fraud claim reference number XXXX I called wellfarsgo bank to file a couple of unauthorized transactions and I didnt recognize those transactions, and spoke and explained everything to the representative that I was traveled and lost my belongings are phone, wallet, purse. I kept calling them to ask about the update of my claims since I am very concerned about it. Those are my hard work money and really upset and sad if I lose it. However, 10 days later my claims got denied. I called again and requested my cases to reopen. Then 10 days later I contacted again and got a second time denied from this bank. They said : We were unable to find any indicators present confirming fraud on the account. We stand by the decision made by our Claims Department to decline your request for reimbursement of the disputed transactions. I believe their decision is incorrect. My phone, and belongings are lost. And they never call or request anything. The bank just didnt want to help, who could help if the bank cant find or reimburse the lost money amounts? This is so sad that being a customer with this bank and they cant help anything, and I would like to requesting a review by a higher-level representative about this matter. XXXX also didnt want to help. So the bank and merchant are not help. They both recommended me to contact Directly to the fraudsters and receivers to get my lost money back. The bank wanted me to provide documentation of the transactions, or proofs that I have no knowledge of. These are very wired.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian and XXXX about multiple accounts that are showing on my credit report that do not belong to me. I have contacted Experian and XXXX by phone and by regular mail and certified mail multiple times and provided them a copy of my recent credit report outlining that I was a victim of identity theft/identity fraud yet they have refused to act in compliance with the FCRA Section 605 ( B ) by utilizing my police report and blocking this fraudulent information from my credit file. There are multiple accounts on my credit file that do not belong to me, and I have painstakingly attempted to resolve this with them. The following accounts do not belong to me : XXXX XXXX Credit Card with a balance of over {$8000.00} XXXX XXXX XXXX loan with a balance of over {$3000.00} A XXXX XXXX Credit Card that has no balance, but is still not mine and the credit limit is around {$30000.00} These are not my accounts and were opened fraudulently in my name by a thief using my correct personal information that was obtained unlawfully.
Product: Credit card or prepaid card

Over XXXX years ago I used my Capital One credit card to receive a cash advance of {$1000.00} ( as I remember it ) in order to pay my home owners insurance for XXXX year ( this was necessary in order to refinance the mortgage on our home ) The credit card company treats cash advances differently than purchases and the cash advance rate is higher than the rate for purchases. Though I've been faithfully making credit card payments, my credit card company is still charging the monthly interest on the loan of {$1000.00}! I was told by the bank that the only way to stop the interest charges would be to pay what's left on the principle of the loan which was still over {$900.00} ( the last time I checked ) This is outrageous and completely unfair! I always pay more than the minimum on my card but so little of that extra money gets applied to the principle of cash advanced that I am essentially doomed to pay on that loan for the next 20 years or so and end up paying thousands of dollars more than the original {$1000.00} cash advance.
Product: Money transfer, virtual currency, or money service

On Saturday XXXX XXXX a man sent me money through his phone via XXXX at my place of work. XXXX transactions in total. He claims he didnt authorize payment & filed a claim towards my bank escalating to my bank account being closed abruptly causing me SERIOUS distress. My work place has video footage of man sending money to my phone at exact time transaction was placed aka I have a whole lot of proof & witnesses. My bank didnt verify me of closure, didnt even ask for my side of the story just honored this mans story which is fraud. 
Bank closure included me losing all of my current funds. My friend sent me {$3000.00} for an upcoming XXXX I have on XX/XX/2024 & that is gone from my account completely. I will be proceeding with a police report.
Product: Mortgage

This complaint is regarding Household Finance Realty Corporation of New York aka " HFC ''. I have been sending countless communications to Household Finance Realty Corporation of New York to no avail. Each letter I sent to " HFC '' via certified return receipt and regular mail has been returned to me with address undeliverable despite this being the address listed and that I was given. I have submitted letters to " HFC '' for years now to various addresses including : Household Finance Realty Corporation of New York XXXX XXXX XXXX XXXX, FL XXXX Without the proper address, if any exists, I will not be able to resolve major issues with HFC. If HFC responds in any manner, I request under FOIL to receive a copy of each and every letter, document, attachment en toto, that they send to the CFPB. Thank you for your swift attention to this urgent matter. Please email me a copy of the complete unedited file that HFC supplies the CFPB by emailing me. I request the right to reply to the response of Household Finance Realty Corporation of New York. 

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

On XX/XX/2018 I sent a dispute letter to Equifax requesting that they validate information for the following items : XXXX XXXX and XXXX XXXX XXXX from a medical office that is reporting an unknown debt to their credit bureau. As a response to my request, Equifax have sent me letters stating that the information they are receiving from the above mentioned companies are accurate without providing proof in which I have asked for. I have also warned them as well as the credit bureau that this is a result in HIPPA violation and can result in me suing them due to releasing of unauthorize medical information. I have made attempts to reached out to both companies that are reporting the information, but have not receive a successful response. I took it upon myself to go to the location of the medical hospital that works with the two companies to ask for my signed release form to verify if I signed any paperwork that would okay them to release my information to a third party company such as a credit bureau. Unfortunately, the documents that are provided with this complaint does not state or show a signature of me agreeing to release anything dealing with my medical information or records to any third party company. This is a complete violation of HIPPA and Equifax has to remove this information from my credit report or I will be proceeding with this issue in a legal matter resulting in suing their company. Please find enclosed a copy of the certified mail receipt of the letter sent on XXXX to Equifax as well as for XXXX XXXX and XXXX XXXX. I also have enclosed a copy of the HIPPA release form that does not state it to be okay to release any information to a third party.
Product: Payday loan, title loan, or personal loan

I received a loan of {$1100.00} from XXXX XXXX also known as XXXX  XXXX in XX/XX/2018. I made a payment in XX/XX/2018. Once that payment was made I realized the portion of it that went towards the principal was barely non existent and most of the payments would be towards the interest. After further reviewing the contract I realized this loan was unlawful due to the interest rate being charged. They are violating usury laws in the state of SC as far as the interest rate being charged to customers. The legal rate of interest max is 8.75 %. There are usury penalty laws that apply to XXXX XXXX in regards to this loan and I'm sure many others. I am not trying to get out of paying back the amount borrowed but will not and am not going to be liable for paying the unlawful amount of interest they charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with the representative we made an agreement that I would pay half of what I owed of XXXX, I agreed to pay XXXX, I paid XXXX date XX/XX/2023 you will see the screenshot of my bank account. I paid it right at that moment so I can be done with this, the transaction was completed and the representative told me that we are okay and that the account it settled and that it would resolve my account but I see a balance still owed of XXXX I called but they keep telling me they dont have access to my account We agreed that I would pay half and that the accounts would be settled. I have screenshots of your agreement.
Product: Debt collection

I had a debt which I refuted with the company XXXX and explained that I never opened any debt with them. They charged off my account, put in collections with another collection agency after they already wrote off the debt, and didn't provide me with a 1099 since the write off of the debt. The company started harassing me, I requested some information to validate the loan if they say it is mine. They was given multiple letters but failed to send me any of the validation required by law. I have all the letters back and forth from me and the company.
Product: Credit card

Its XXXX XXXX XXXX, after all the attempts to get a credit card limit increase is a fantasy for some of us.
Product: Mortgage

we have been trying to resolve our mortgage problem with a deed in lieu of filing. To this point we have signed all the paperwork and vacated the property. We were participating in the " cash for keys '' program. All the paperwork we have signed and submitted states the property must be in broom swept condition. Also we were told that as long as the property was vacated in broom swept livable condition we would receive some compensation. Now that the house is signed over and out of our control we were told that because we left items in the house we will not receive any compensation. All the items left were usable by the next owner. we were never told that the house had to be empty to the walls ... I have called my account manager numerous times and never get a call back I always have to contact them. My last contact was 11 days ago and I have still heard nothing.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a formal complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e, by failing to ensure the maximum possible accuracy of my credit report. Despite my dispute, XXXX has continued to report an inaccurate and unverifiable item, which is negatively impacting my credit profile. 

Disputed Item Details : Creditor Name : DEPT OF ED/XXXX Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Reported Late Payment or Negative Entry Date : XX/XX/year> I submitted a formal dispute to XXXX requesting a proper investigation and removal of this inaccurate entry. However, they failed to provide verification or correct the inaccuracy within the XXXX timeframe required by law. 

Under 15 U.S. Code 1681n, XXXX failure to investigate and correct this error constitutes a legal violation, entitling me to {$1000.00} per violation in damages. Their negligence is harming my financial standing and consumer rights. 

I request that the CFPB investigate XXXX non-compliance and take appropriate action to ensure that they adhere to federal consumer protection laws. I also seek guidance on further actions I can take to resolve this matter. 

Please provide a response regarding the status of my complaint at your earliest convenience. 

Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I learned my credit score had dropped almost 40 points suddenly. With an otherwise 100 % clean financial profile, the sole reason I could think of was XX/XX/2019 I paid off a {$1000.00} dollar credit card at XXXX XXXX XXXX. 

Three Financial experts, two at XXXX XXXX XXXX, one at Equifax told me this should not happen and " something is wrong ''. A woman at XXXX XXXX XXXX told me that when she paid off a credit card her credit score rose, not declined. 

My credit score at Equifax I dropped from XXXX to XXXX in less than one month. My credit score with XXXX XXXX. On a XXXX XXXX XXXX website that uses XXXX which uses XXXX I have a rating of XXXX 's on five of the six categories and a XXXX on the 6th. There have been NO adverse actions on my financial status of any kind in the last two-and-a-half years. Zero. 

I did apply for a small loan to buy a golf cart but I was told my credit score would not drop because it was just one hard inquiry for which I was approved. 

I reviewed my most recent up-to-date credit report. I couldn't find a single adverse action of any kind listed on it. 

Thank you Please note : 3 years ago I applied for a home equity loan at XXXX XXXX XXXX XXXX. Again I had an excellent profile. The only thing they could use to deny me was I had too many credit cards. 

I explained I only had three, one had been canceled and the other two were with XXXX XXXX XXXX XXXX! Now they're saying I don't have enough credit cards or I canceled one! 

When you call the bank for help on matters like this they throw up their hands and refer you to the credit company. 2 years ago I called Equifax on a similar situation as above. 

That time I had five years of payments to the penny and more verification. Equifax would not help. 

After they heard from the Consumer Financial Protection Board they straighten my credit out in less than 24 hours and added 32 points +/- to my credit score which had been unjustly reduced from fraudulent hard inquiries by car dealers. 

This is a racket! The only people who benefit are banks using this unjust process of reducing your score for the most minor infraction then requiring years to read store it. 

With a lower credit score Banks can AND DO then charge you much more interest in selling you their money! I've talked to bankers and they agree that the process is unjust but they don't do anything to change it or to help you. They religiously report every little thing once a month to the credit bureau, insuring if there's a basis to reduce your score they provide it. 

When you call Equifax they make you jump through hoops with years of data most people don't have at their fingertips, then refuse to help you claiming you haven't proven your identity. Far less proof is accepted by every other institution of almost any kind. 

END OF STATEMENT XXXX XXXX, XXXX XXXX CFPD website would not allow the last four digits of my social security number
Product: Credit reporting or other personal consumer reports

My credit report is posting an inaccurate address on my file that has reports and inquiries that may be attached to my credit file, inquiries, reports and charges that are questionable.

My credit report also states that my current address I live at is my former resident address and that my current address is a previous resident address.

My credit report is showing an address that I haven't lived at in over 4 years that shows i lived there formerly in XX/XX/2024 2024
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX 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: Credit card or prepaid card

Received monthly XXXX XXXX bill on XX/XX/XXXX for {$42.00}. Mailed payment on day received, XX/XX/XXXX. 
XXXX bill showed payment received on XXXX and stated due date was XX/XX/XXXX. I called around XX/XX/XXXX when I received monthly bill for a {$30.00} late fee. I told CSR that I had cut up the card and had mailed payment on the day it was received. I told them I couldn't understand why it took 13 days to process my payment. CSR said they would close the account and remove the {$30.00} late fee. 
Today, XX/XX/XXXX, I received a bill for {$60.00} for two consecutive late fees. I immediately called XXXX. XXXX and they said they could not do anything about it over the phone and it had to be reviewed by someone. I told the CSR that I was told in XXXX that the CSR said she was removing the {$30.00} late fee. I never carry a balance on this card and pay the balance every month. She said none of that matter and it was a system process that she had no control over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes on XXXX, XXXX and XXXX under the Fair Credit Act including Section 91-506, Title VI, Section 611 and Section 609 via Certified Mail, Fax and thru the Experian Website. I disputed the entries on my credit reports from XXXX XXXX ( Partial Acct # XXXX Opened XX/XX/XXXX ) and ( XXXX XXXX XXXX Partial Acct # XXXX Opened XX/XX/XXXX ). I requested a full investigation and validation of this debt and requested under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), for  Experian to verify, through the physical verification of the original signed consumer contract for these disputed account. Experian did not follow the law and has not fully investigated these accounts and is in violation of the Fair Credit Reporting Act furthermore the XXXX account is reported 6 charge offs which is impossible by law, you cant charge the same account off more then one time. Experian continue to damage my reputation by not removing these two items from my Experian Credit Report and are subject to a federal lawsuit for these repeated violations. This is my final request for Experian to follow the laws and fully investigate and delete these two items from my credit report if there not validated by Experian reviewing actual account documentation including a sign contract and related identity verification documentation..
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarded Zelles handling of disputes, particularly in light of the recent CFPB lawsuit.
Product: Debt collection

Never received a letter or a verification of the debt. There is no information available.
Product: Checking or savings account

Cashapp Support managers keeps lying to me through email saying that my mobile deposit that I submitted last Saturday XX/XX/year>2025, would be in my account on XX/XX/year>2025 and XX/XX/year>2025. Im in desperate need of my hard earned money to be in my account today. I have tried escalating the situation and they keep making up excuses why my money isnt in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX  XXXX {$23000.00} XX/XX/XXXX DEPT OF EDUACTIONXXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

Consumer Name : XXXX NCA Reference No : XXXX NCA Account Status : Forward to Summit Receivables Original Account No : XXXX Original Creditor : XXXX I took out an unsecured online installment loan from XXXX XX/XX/XXXX I recall which i have subsequently been unable to pay and the loan is in default ; XXXX transferred/sold the loan to NCA - I have been negotiating in good faith with NCA for several months and have offered payment in full versus taking a discounted settlement but the issue is length of time - I need 48 months at a minimum. NCA had accepted the 48 month arrangement, then reneged on it - purportedly because I failed to make the 1st payment with 5-8 days from the accepted online agreement. But, when I went online to make that 1st payment, the account was listed as " still negotiating ''. When I attempted to submit the aforementioned exact same online agreement, NCA rejected it and the loan has been in limbo ever since - about 3-4 months. Today, XX/XX/XXXX, I received a call from a lady saying she was with XXXX XXXX. She initially was trying to reach XXXX XXXX XXXX - a company I had previously worked for. When I told her I used to work there and can I help her, she then wanted to know if I knew how to reach XXXX XXXX. When I replied it is I who you are speaking to, she then wanted to verify my ID by asking for DOB information. I resisted but decided to provide since I was curious as to what she was doing. She then said she was with XXXX XXXX and was calling about XXXX and wanted to know if I was able to pay it. I responded that before we discuss anything, I first wanted her identity, her company name and address and contact information and also a debt verification letter. She responded that the company has provided that before and when I pressed by saying that I just wanted to make sure I was n't falling for a scam trap, she became sarcastic and rude saying " like when you took out all these loans ''. I replied that I will be filing a complaint with the CFPB at which point she simply hung up on me. After that call, I emailed NCA and requested status of my account. NCA emailed a reply back indicating that XXXX XXXX had been assigned to collect on this account. Other than that email which I had to initiate, I received NO prior warning or information regarding that. Also, a person also reached out to one of my references on the XXXX loan looking for my contact information and indicated they were a debt collector - a clear violation of the law. My reference contacted me and informed me of this attempt. What is especially troubling is that NCA has had numerous contacts with me - phone, fax and email and I have given them permission to contact me using any of those mediums. I would have assumed that if NCA had transferred collection of the account, the contact information would have been provided to their new representative.