23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Coinbase was supposed to deposit XXXX XXXX to my account in 2014 but never completed the transaction. The transaction still shows in my account as pending. I have attempted to work with their support team for the last 90 days and have not received an update in the last 45 days.
Product: Payday loan, title loan, or personal loan

Fifth Third Bank denied loan application for an Equity Flexline of credit. 
The loan was denied after more than 60 days of processing, which included ordering credit reports, requesting proof of cash reserves, a completed appraisal of property, tax returns, proof of income, etc ... 

The decision noted for the decline was " Ineligible property type for second lien mortgage ''. 
First, when asked " property type '' the answer was clear, concise and unambiguous ; 2 unit building. The discussion regarding the purpose of the loan and the property type were well noted. Especially since the property 's current home equity loan is with and to be replaced by Fifth Third Bank. Why would we the owner of the property provide misinformation about the property type knowing that Fifth Third has current loans ( 1st & 2nd ) and can easily verify accuracy? Doesn't make sense! With that said, why did Fifth Third Bank lead us to believe that we were applying for the appropriate loan, all the requirements were met, awaiting limits of credit and a closing date. Therefore, to get this type of reason for a decline appears to be less than honest, collaborative and deceptive lending practice by Fifth Third Bank. In closing, Fifth Third just simply decline ; offered no suggestions, no alternatives and no explanation of how this unthinkable mistake could happen. Why? Perhaps, this type of practice is normal. However, we will not accept this type of treatment. We will work diligently to make our case to all appropriate agencies or bodies until results are equitable regarding this matter!
Product: Debt collection

I have been disputing this debt for over 7 months. I have repeatedly asked this company to provide proof of this alleged debt as well as the contract where they are allowed to add additional fees being that they are a collector and that is illegal under the FDCPA. I do not agree with this account and they have Never responded to any of my disputes even though i have sent them certified mail and have not provided verification even though they have been responding to the credit bureaus that the information is 100 % accurate.
Product: Credit reporting or other personal consumer reports

This complaint is being filed to escalate the unresolved issues from Complaint # 2 regarding XXXX XXXX continued negligent reporting of a fraudulent account, despite having been informed of the fraud and deletion in Complaint # 1. Additional evidence uncovered during my investigation shows re-aging and XXXX failure to update my credit reports in line with the fraud confirmed by XXXX XXXX XXXX. 

Key Issues : 1. Re-aging of the Account : After further investigation, the XX/XX/XXXX XXXX credit report ( attached ) shows that re-aging has occurred, with late payments, delinquency entries, and charge-offs extending into XXXX and XXXX, despite the accounts original charge-off in XX/XX/XXXX. 

XXXX response to Complaint # 1 incorrectly asserted there was no re-aging, which this report directly contradicts. 



2. Failure to Act After Being Informed of Midlands Deletion : XXXXXXXX XXXX was informed in Complaint # 1 that XXXX XXXX XXXX deleted the account in XX/XX/XXXX, and they were provided proof of this deletion in Complaint # 2. However, they have failed to act on this information and have continued to report the account as delinquent, causing ongoing financial harm. 



3. Negligence in Addressing Key Evidence : XXXX failure to address critical evidence in their response, including the FTC Identity Theft Reports and my hospice certification, shows a pattern of negligence in their investigation process. 

Despite being presented with this evidence in Complaint # 2, the account continues to report inaccurately, causing ongoing harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized on my credit report. 


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

I have been a victim of Identity Theft as well as several Data Breaches.  The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$6800.00} and {$21000.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

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 card or prepaid card

I completed my required XXXX XXXXXXXX spend on the Amex blue cash preferred card but I never received my {$350.00} cash back. I also never received my XXXX XXXX points on my Amex XXXX XXXX  credit card.
Product: Debt collection

I 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the account below Has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681 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  has violated my rights 15 USC 1682 section 602.A States I have right to privacy 15 USC section 604 A.section 2 it also states a consumer reporting agency Can not furnish A account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 months that are reported late 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

On XX/XX/2019 I cancelled my auto-pay with US Bank. I did it myself online and just to make sure it was done correctly, I called US Bank customer service to at XXXX. I was assured all future auto-pay was cancelled. Come to find out that US bank still took {$170.00} on XX/XX/2019. I again called US bank 3 times on XX/XX/2019 - asked why they had posted a payment on my account when I no longer have auto-pay and I certainly didn't make any one time payment myself. US Bank submitted a refund request and when I called XX/XX/2019 to inquire about the refund - I were told that the refund was declined due to being over the limit. US Bank explained to me, that the only way I can get my money back is to file a dispute with my bank - I have done so. I am not sure it's a guarantee that I will get my money back. US bank " stole '' {$170.00} from. That money was never authorized to be pulled from my account.I am also filing a police report against US Bank for theft. 

My husband and I are in the process of filing chapter XXXX bankruptcy, so I cancelled auto-pay on all credit cards in my possession. 

XX/XX/2019 @ XXXX XXXX I requested all future auto-pay to be removed. 

XX/XX/2109 2 reference # XXXX ( XXXX @ XXXX XXXX ) and XXXX ( XXXX @ XXXX XXXX  ) I also made a call in between these to timestamps, but call was disconnected. I spoke to a lady named XXXX XX/XX/2019 Called @ XXXX XXXX  ( XXXX ) Called @ XXXX XXXX ( Think his name was XXXX or XXXX ), was so XXXX that I didn't pay attention - both supervisors.
Product: Student loan

Balance increasd in XXXX XXXX XXXX .COVID POLICY had forbidden MOHELA to collect /froze pmts..Balance increase for essentially a XX/XX/XXXXXXXX  pmt. when Pmts. start XXXX XX/XX/XXXX. Main Issue is that MOHELA did not fwd to Credit Bureau .a footnote ( that all due to ) to Mohelas unpreparedness on matter difference between restarting loans and any balance increase not borrowers fault ( nor late ) if pmts start in XX/XX/XXXX. As such a footnote/waiver to when is a pmt, restarts and balance increasing due to U.S. GOVT saying pmts restart in XXXXXXXX  .No billing statement sent ( XXXX % mumbo jumbo ) for XXXX XXXX Made Payment on or XX/XX/XXXX. On XX/XX/XXXXXXXX  ... 15 DAYS AFTER MY PMT.THEY SEND NEGAITIVE STATEMENT to credit bureau with XXXX reort that pmt made on XXXX = balance decrease compoundwed with COVID POLICY on student loans
Product: Checking or savings account

On XX/XX/year> I used my chime debit Visa card to make my mortgage payment and I called it in made the payment the transaction went through I got a confirmation of payment then on XX/XX/year> I got a notification saying payment was returned for non-sufficient funds ( NO MONEY WAS RETURNED TO MY CARD ). On XX/XX/year> I made a payment for the same amount of XXXX with my debit card and it posted. I made a payment on XX/XX/year> with my debit card and they refunded it because the mortgage company said it couldnt locate my bank BUT I NEVER GOT ANY MONEY RETURNED TO MY ACCOUNT. I have called Chime and requested a refund and they are saying that my mortgage company has the money and laughed on the phone.
Product: Checking or savings account

On Sunday XXXX XX/XX/21 I was robbed and the robber was able to access my bank accounts. He sent and spent aprox {$15000.00} - {$20000.00} from my bank account and tried to access other accounts with money in it. I have told the bank and change my passwords as best as I can. I was told I need to call back once the pending transactions go through. This issues was with TD Bank and they tried to access TD XXXX. I also have money in XXXX, empowerment retirement, principal, and XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No late payments- thats an error
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX XXXXXXXX XXXX Account XXXX I've tried several times to remove this unfair information from my report as it directly relates to a disaster issue I have no control of, and it clearly states that on the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a potentially negative account from One Main Financial. It has been paid in full and closed, but could continued to show 2 late payments from XX/XX/2018. I have disputed with One Main and it still has not been removed from my credit report
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report and noticed an account that was reporting inaccurately. I had a late payments on an account that was in fact paid on time. It is to my understanding that consumer reporting agencies need to report all information with 100 % complete accuracy. This XXXX account # XXXX was not paid late on the following date, XX/XX/year>. I am requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified please update this payment to paid on time immediately. Thank You for your prompt action. Account : XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to medical bills that I had in collections ( since removed ) I applied with XXXX XX/XX/XXXX, XXXX. and XXXX XXXXXX/XX/XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.
Product: Vehicle loan or lease

I entered into a contract agreement with XXXX XXXX OF XXXX XXXX on XXXX XXXX, 2022. I was given false and deceptive information ( violation of 1692e ) as I was told that a down payment of {$7000.00} was needed in order to drive off the lot. Pursuant to 15 USC 1605 a finance charge is the sum of all charges. The Finance Charge on the contract was {$12000.00} I have reason to believe that XXXX XXXX OF XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. 

Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law.
Product: Checking or savings account

On XX/XX/XXXX my debit card was used for five fraudulent transactions total of around {$560.00}. Those were done in XXXX XXXX, VA, a place Ive never been and certainly didnt make three ATM withdrawals. USAA refunded my money that day but three months later they deducted those amounts after concluding they were not fraudulent after a through investigation. They wont allow me to talk to anyone on the investigation and keep giving me the run around. They are supposed to protect their members against fraud and USAA called me a liar after 22 years of membership. And I have no way to fight this bc they keep transferring me and promising a call back that never happens.
Product: Student loan

My Direct Loans were transferred to MOHELA in order for them to facilitate my Public Student Loan Forgiveness. I have well over 120 eligible payments, and was told that all my loans would be forgiven. MOHELA proceeded to remove a portion of my loans, but not all of them. The only reason I have been given for not having all my loans forgiven is that I am responsible for the loan co-borrower 's amount. However, the co-borrower 's loans were previously all discharged due to Permanent and Total XXXX, and Federal Student Aid confirmed the only loans remaining are mine and that the remainder of all these loans should be forgiven. I have repeatedly asked MOHELA to investigate and correct this problem but they have not. And just today ( XXXX XX/XX/2023 ) I received another reply from MOHELA stating that my loans were discharged ( even though they have not all been ) but I am responsible for the co-borrower 's loans ( which were already discharged and should not be in the account at all anymore ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian by faxing them a copy of some inquires that is on my credit report that I asked them to dispute and they only sent me a letter stating the reason the inquires are listed on my credit report. I tried to contract Experian numerous of times only to be told that my account is handled by a special agent department that I can never get ahold of anyone due to long hold time then by the time I do get a hold of someone I 'm told that they can not dispute inquiries. 


XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXs XX/XX/XXXX XXXX XX/XX/XXXXThese are in inquries are needed to be disputed and deleted off of my credit report and I need Experian to assist this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$220.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$310.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FCRA Violation : auto loan not mine XXXX XXXX Reported : XXXX XXXX XXXX {$8300.00} Closed FCRA Violation : other loan not mine XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX {$670.00} FCRA Violation : hardenquiries not mine 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 FCRA Violation : collections not mine XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$780.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} XXXXXXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX AXXXX XXXX Reported : XXXX XXXX XXXX XXXX {$340.00}
Product: Credit card or prepaid card

On XX/XX/20, i noticed a charge on our card for XXXX  by merchant name '' XXXX XXXX XXXX XXXX '' XXXX FL XXXX XXXX. I called capital one to dispute this and they said they will look into this so they gave a temporary credit. Yesterday, we were charged again and when i called the fraud department, they told me they looked into it and it appears this merchant must have the credit card physically there and because our card has the chip, it can not be copied... We DID NOT MAKE THIS PURCHASE. we live over XXXX hour away from XXXX and we have not gone to XXXX in years! I asked Capital one to provide me with more details and they couldn't. I was just told that because of the chip in our card, it led them to believe this was not fraud. I asked what if this happens again? This is unfair to pay on a charge that we certainly didn't make and i was told that " hopefully it wont happen again ''. they also made a claim to me over the phone that i may have allowed someone other than my husband to use the card which IS NOT TRUE either. They said a letter will be mailed to our home which we have not received yet.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO REMOVED THESE INCORRECT NAMES AND ADDRESS ON MY EQUIFAX REPORT. THESE NAMES DO NOT BELONG TO ME NOR DO I HAVE ANY RESIDE OR GET MAIL AT THESE ADDRESS. I WOULD LIKE FOR THEM TO BE DELETE OFF MY REPOST IMMEDIATELY THANK YOU 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