23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have received several calls to attempt to collect on a XXXX XXXX XXXX and have been subjected to very abusive and adversarial language. On XXXX/XXXX/2015 I received a call from XXXX from XXXX asking me to " man up '' and pay my debt, after I had advised them that I had experience a significant reduction in hours at my job. I work in the XXXX, and with the price of XXXX my income has been reduced by 50 %. After insulting my masculinity for being unable to pay, he called my wife at her place of employment and demanded payment from her. She has nothing to do with this debt, she was not a cardholder and she does not have permission to receive personal calls at work. He verbally abused my wife as well. I am concerned that this company may not be a legitimate company or have the proper authority to collect this debt because I do n't feel like any legitimate company would be that obscene when working with customers.
Product: Other financial service

Centegy has on multipal occasions denied my payroll checks from being cashed from many different companys. my payroll checks have been denied over and over again on every pay period. I believe in being profiled for some reason I do not know. I have call to find out the reason why and was told that it was an algorithm that denied it and that the company has no control over it. also stated was that only 1 % to 2.5 % of the millions of checks cashed daily get declined. all of the payroll checks gone through there services recently have been declined. I have never wrote a personal. Check so why is this happening to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports with TransUnion, XXXX  and XXXX  and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.
Product: Debt collection

Midland credit was removed from my credit file due to ID theft 2 years ago, they went in and added it back to my credit report, they have been harassing my family and friends, this isn't my account, that's why it was removed
Product: Checking or savings account

I went to a KeyBank branch to initiate a bank wire to pay for products for my business. Because of a bank error the funds were never sent and they have cost me thousands of dollars to fix the banks error. They admitted that the problem was their fault but have taken XXXX action to fix the problem. The manager of KeyBank has been ignoring me and will not return my phone calls.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XX/XX/year> XXXX XXXX, XX/XX/year> and so on this company has emailed numerous times trying to collect a debt in which I have never made any agreement nor a contract with such company. in which I believe this a company that bought my information from " XXXX XXXX XXXX " I would like this company or organization to stop contacting me, and remove all information of mine.
Product: Credit card or prepaid card

I am using the American Express Serve card. The merchant has put 3 holds on the card. As follows : Store Purchase XXXX XXXX, XXXX, IL ON HOLD - {$58.00} XXXX  XXXX XXXX Store Purchase XXXX XXXX, XXXX, IL ON HOLD - {$180.00} XX/XX/XXXX Store Purchase XXXX XXXX # XXXX XXXX, XXXX, IL ON HOLD - {$110.00} The holds are over 20 % of the value of the transcations that occured. I read through the terms of service dated XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX  And the terms stated the following : f. Pre-Authorization Holds and Processing Delays. 

When you make a payment to a merchant using your Account, Card, Sub-Account or Sub-Account Card, you are providing that merchant with an authorization to process your payment and to complete your transaction. In certain instances, the payment processing may not  occur immediately, and your payment will be " pending during this time period. 

In addition, when you make a payment to certain merchants for goods or services ( typically gas stations, restaurants, rental car agencies, hotels, cruise lines and similar merchants ), we or the merchant may request an authorization for the amount of your anticipated transaction in advance and may estimate the final value of the transaction, which may be more than the amount of the actual transaction. For example, a restaurant may request an authorization for the estimated dining bill and for a tip. In such an event, we will place a temporary " hold '' on the funds in your Account or Sub-Account for an estimated amount indicated by us or the merchant at the time the transaction is authorized, plus any applicable fees, and will release any temporarily-held funds in excess of the amount of the actual transaction, typically not later than the seventh ( 7th ) day after the transaction, in the case of most merchant transactions, and typically not later than the thirtieth ( 30th ) day after the transaction, in the case of transactions with rental  car agencies. Until released, the funds subject to the hold will not be available to you for other purposes. 


There is no mention of placing holds on account for grocery stores or other non hospitaltity releated merchants. I contacted Amex customer service and was told that they could do nothing to remove the hold nor would they resolve the matter outside of a 8 day business day window. Nor would they credit my account the diffrence of the hold. In addition I have two other fradulaent transcations that they refused to release hold as follows. 



XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX, XXXX XXXX, TX ON HOLD - {$120.00} XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX, XXXX XXXX, TX ON HOLD - {$120.00} Thank you,
Product: Credit card

Hello, Please take note the I was sent the enclosed advisory via email today. As a matter of rule I am entitled to receive a bill upon due date and have elected from the creation of this account to have the same applied. 

Moreover, as a customer I believe I am protected under the grandfather rules to continue as noted. You may imposed this new rule on your new customers, but can not retroactively impose the same on your existing customers. This account, if at all, should be offering a discount to promote a conversion to paperless billing, not taking advantage of the convienience to increase their profits, on top of your already exorbitant interest rates. 

As submitted : XXXX XXXX, We're following up on recent changes to your XXXX agreement. Starting in XX/XX/year>, a {$1.00} fee will be charged to your account each month you are sent a paper billing statement. You can avoid this fee if you set up paperless statements and are sent your statements only in electronic form. Plus, going paperless means less waste. Go paperless today. 

To select the form of your statement, follow the steps below.

Not registered for online access yet?

Click the button to : 1. Sign up for online access.

2. Select Paperless Statements.

SIGN UP Already registered?

1. Log in to your account and click on Statements.

2. Follow the instructions on the screen. 

LOG IN If youd like to keep receiving paper statements, no action is needed. Just remember, a {$1.00} Paper Statement Fee will be charged to your account each month you are sent a paper billing statement beginning in XX/XX/year>. 
Paper Statement Fee. We will charge a {$1.00} Monthly Paper Statement Fee to your account. We will charge this fee in any billing cycle in which your balance is greater than {$2.00} and you are sent a monthly billing statement in paper form, even if you also are provided it in electronic form. You can avoid the fee each billing cycle you are provided your monthly billing statement only in electronic form. To make an election regarding the form of your monthly billing statement, please sign up for or log in to our servicing site. 

Synchrony respects your privacy. To read more about our privacy policy, please click here. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website. 

This is an unmonitored email box. Please do not reply to this email. 


ABOUT THIS EMAIL MESSAGE : This email was sent by Synchrony to provide important account servicing information regarding your CareCredit account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your CareCredit account. 


Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. www.synchrony.com 2024 Synchrony Bank XXXX CARECREDIT_PLCC
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on My Credit Report under FCRA 1681 ( c ) ( 2 ) To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is filed under the protections afforded by the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( c ) ( 2 ), which outlines my rights as a consumer to dispute inaccurate or incomplete information directly with the furnisher of the information and ensures that such disputes are properly investigated.

Additionally, I am invoking my rights under the following laws that further protect consumers from inaccurate credit reporting : 1. FCRA 1681 ( i ) : This section requires credit reporting agencies to conduct a reasonable investigation of any disputed information within 30 days of receiving a consumer 's dispute.

2. FCRA 1681 ( e ) : This section mandates that information reported about a consumer must be accurate and complete.

3. FCRA 1681 ( s ) : This section provides additional protections against identity theft, ensuring fraudulent accounts are removed promptly after proper verification.

4. The Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from reporting false or misleading information to credit reporting agencies.

Disputed Item Details : * Creditor/Furnisher XXXX XXXX * account number : XXXX * Date of Reported Issue : XX/XX/year> The following information is incorrect or incomplete for the following reasons 1- High Balance is showing wrong and inaccurate information 2-Date of Last Activity is complete inaccurate I have attached the following documents as evidence to support my dispute : 1. A copy of my credit report highlighting the disputed item ( s ) Pursuant to the FCRA and the above-mentioned laws, I respectfully request the following actions : 1. Investigate the disputed information with the furnisher of the data.

2. Correct or delete the inaccurate information if the investigation confirms its inaccuracy.

3. Provide me with the results of the investigation and a corrected copy of my credit report.

4. If applicable, provide me with the name, address, and telephone number of the furnisher contacted during the investigation.

Please be advised that the FCRA mandates credit reporting agencies to complete investigations within 30 days of receiving a dispute. I expect a timely resolution to this matter. 

Thank you for your immediate attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or [ XXXX ] if you require any additional information. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I received an e-mail from the company saying I was past due, I already paid. I tried to call the company, but there is no way to make a payment or talk to a person to resolves this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

The unconfirmed accounts stated below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to Transunion, XXXX and XXXX 3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Checking or savings account

Hi, Im reaching out regarding XXXX fraudulent transactions tied to my account : XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) When I initially disputed these transactions, I waited the full XXXX period for a resolution. However, when I followed up, I was informed that no dispute had been filed. When I attempted to properly dispute the charges at that point, I was told the XXXX window to dispute had expired, preventing further action. 

Over the past XXXX years, I have repeatedly tried to reopen these claims. Now, Im being told that the bank can not locate which card was used for these transactions. I was advised the only way to resolve this would be by visiting a branch but as I live in the XXXX, the nearest BMO branch is over XXXX hours away in XXXX XXXX, making this extremely difficult. 

I have escalated this matter several times to supervisors and resolution specialists. I was instructed to email the Reg E department, which I have done on multiple occasions without receiving any response. 

I have since closed my BMO account due to the distance issue, but I want to make sure this dispute is properly addressed and resolved. My account number was XXXX. 

Please let me know the next steps to escalate this appropriately. Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

1 am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate 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 redres : for these violations.
Product: Mortgage

Dear XXXX, Complaint id : XXXX To put it simply, the {$77000.00} was a line of credit, but my mother did not actually withdraw it from the bank. It never actually went into her account! 
Instead, money equal to the amount of this line of credit was transferred to XXXX. And this is true. 
So why should she have to pay off a loan she never received? 
At most, only money related to the maintenance of the credit line, XXXX. all interest, should have been transferred to XXXX 's account. The {$77000.00} is principal. And separate interest. But the principal was never held by my mother. It never went into her pocket, it never went into her bank account! That sounds like a theft. 

My mother took out a line of credit with the XXXX XXXX XXXX for {$77000.00}. But the money was never disbursed. 
Now here 's the problem : XXXX XXXX transferred the same amount of money to XXXX 's account. From my mother 's estate! 
On XX/XX/XXXX, the XXXX XXXX Department informed me that the {$77000.00} was deposited into Champion Mortgage 's account. But it was never in my mother 's account. So she never actually owed this {$77000.00}, only the interest and insurance costs associated with it. 

I received your letter. 
Unfortunately, I can not agree. 
To me it is irrelevant that the reverse mortgage was closed. My question is this : no one has noticed the important fact that my mother did not receive the {$77000.00} reverse mortgage. 
The amount of the {$77000.00} reverse mortgage was transferred to Champion Mortgage. How was XXXX able to close this case? 
Did the accounting firm not realize that when my mother 's case was closed, the income was {$77000.00} more than the expense? 
Is the XXXX XXXX trying to make a profit on my dead mother 's money? 
For the sake of order, I will describe this terrible case XXXX more time. 
So. 
My mother had a reverse mortgage debt of {$230000.00} on XX/XX/2017. 
On XX/XX/2017, she signed a reverse mortgage loan for {$77000.00}, which she was no longer able to use and the {$77000.00} was transferred to Champion Mortgage. 
Total : {$270000.00} this is how much my mother owed on the reverse mortgage. 

Total : {$270000.00} that's how much my mother owed the reverse mortgage company. 
I am asking for your help because someone or someones made a big mistake in this case. 

Thank you. 
Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN IS VIOLATING CONSUMER 'S FEDERALLY PROTECTED RIGHTS, INCLUDING BUT NOT LIMITED TO 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, EXPERIAN is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting and 12 CFR 1016. 10 - Limits on disclosure of nonpublic personal information to non affiliated third parties. Experian is also not reporting accurate information, CONSUMER 'S LEGAL NAME is XXXX XXXX not XXXX XXXX and there should be no other spelling or variation or alias and any account attached to such should also be removed. EXPERIAN IS VIOLATING AS CONSUMER HAS NOT GIVEN ANY WIRTTEN CONSENT OR PERMISSION NOR ANY PERMISSABLE PURPOSE FOR THESE COMPANIES TO ACCESS NOR FOR EXPERIAN TO REPORT. DISPUTED INFORMATION INCLUDED XXXX XXXX  XXXX  ACCOUNT NUMBER : XXXX CLOSED ACCOUNT : XXXX XXXX XXXX  : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL HARD INQUIRIES : XXXXXXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

This information is being reported on my credit report. I have no knowledge of this company nor have I ever done business with Columbia DEBT RECOVERY. They are reporting that I owe them a balance of {$8600.00} and last reported this information on my report this month XX/XX/XXXX. I have called and asked them to remove this from my credit report, as I have never done business with them. I have asked to be sent copies of the original contract and documents signed with their company showing that I have a debt or assumed credit with them as of XX/XX/XXXX. Every time I have called and spoke with someone at this company and ask them to remove and request the documents, they are uncooperative and will not provide these original documents showing I have done business with them with my signature. According to the Fair Credit Reporting act states that inaccuracies must be deleted. It is the consumer agencies responsibility to remove the inaccurate information and is illegal to continue to report this. This is affecting me obtaining credit where needed and correcting my personal credit report of the inaccuracies being reported as I am a victim of identity theft. I demand that this inaccurate information be deleted and removed from all my credit and consumer files.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy in 2018 and my student loans were supposed to be discharged in it as well. I was making XXXX a year and my student loan debt was XXXX, and I was a single mother of XXXX daughters as well, so I landed in a category that allowed them to be in my bankruptcy. Six years later my student loans have not only been raised three times the amount originally owed but never discharged as well. Now Nelnet states that they sold my loan to XXXX, and I show now on my credit that my student loan debt is XXXX. You get nowhere with XXXX or Nelnet they just pass you back and forth and continue to do forbearance 's while they investigate. My credit is significantly affected by this because the debt ratio is so high, because of the XXXX. I want my student loans to show as they should as paid off. I've also been told that my student loan debt should have been discharged under the XXXX XXXX but still that doesn't reflect either.