23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

experian allowed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report fraudulent accounts on my credit report this is illegal and unethical experian has not removed the fraudulent accounts that has been damaging me I request all fraudulent listed be removed immediately.
Product: Credit card

I have a Discover card that has not been used in years. I recently noticed they are charging interest charge on cash advances. I contacted them about it and they replied that the charges were from over 7 years ago. The agent could not really tell me when or amount. So, sent a message to the company and I received this replied : Thank you for your email regarding the Cash Advance interest on your statement. After reviewing your account, I found that we chatted with you online on XXXX/XXXX/2016, regarding this matter. If you need further assistance with this matter, or if you have other questions or concerns, please let me know. 
I am sorry, but this is not acceptable. I do n't mind paying, but I need answers. I do n't remembered ever taking any cash advance. Please help me! 

Thanks in advance!
Product: Credit card or prepaid card

I purchased 2 dress from XXXX ON XXXX XXXX WITH MY CITI BANK CREDIT CARD when i received the merchandise on XX/XX/2019 the merchandise was late and the quality was not what was showed online with the picture as the same. I called XXXX and mention to them to send me a label to send the merchandise right back to them which i did on XX/XX/2019 and was received back to them in the same packaged XXXX sent it to me. I then was told XXXX which is a 3rd party came into the transaction and mention they were not going to released my refund back to me Surprised 1 after they have the merchandise back at XXXX and now citi bank are backing them! i nevrer was told or metioned a third party was involved in the transaction up front also me being a victim of identity theft with XXXX 5 years ago was shocked! i then demande that CITI cards returned that {$67.00} back to my credit card becaused it went on back and forth for over a month now. I ACCUSED CITI, XXXX, XXXX OF TRYING TO STEAL MY HARD EARNED MONEY ALSO CALLED THE DISPUTE DEPT AND CHATTED WITH THEM ON LINE GOING ON A MONTH NOW! XXXX HAVE THE MERCHANDISE BACK AND ALL THREE HAVE REFUSED TO GIVE ME MY REFUND! Dispute # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am not able to close my account. I can't visit a branch and the hold times are ridiculous. There does not appear to be a way to do it via secure message or chat, which is ridiculous in 2025.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft coming from XXXX XXXX XXXX Data Breach. The Items I have identified and highlighted on my FTC report are all fraudulent and not mine and do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update 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, credit repair services, or other personal consumer reports

their customer service would not help and take care of the negative inquiries reporting to my credit report. I have been a victim of unauthorized inquires and explained the situation in detail and they ( transunion ) told me I was in fact not a victim.
Product: Checking or savings account

Moneylion a XXXX company placed a hold on my account Thursday due to suspicious activity so I called like I was asked to not only did they not remove the freeze they refuse to remove it til they investigate my explaination for using the account I've veried my identy on the phone then with emails and still locked out of it I requested a supervisor both Friday and again today with no luck I have XXXX dollar in my account and only paid my lawn service
Product: Credit card or prepaid card

Capital One credit card : I made an extra payment by accident through my checking account. This resulted in {$930.00} in overage payment to Capital One, and a negative balance on my credit card. Unfortunately, since it went through my bank could not recall the payment. 

I called Capital One on XX/XX/XXXX to have the money sent back to my checking account. I was given a 4-5 business day period for the ACH to go through. I had to call back on the XXXX and it was still not processed. They had to submit another request for another 5 business days. 
Why does it take 10 business days to process a simple ACH? I work in a financial institution and it takes a maximum of 2 business days to process an ACH. 

The managers I was put on the phone were absolutely horrible. They said there was nothing that could be done and even suggested to hang up and call again. What kind of terrible customer service is that from Capital One? 
It is now XX/XX/XXXX, so that is 13 days that this money still has not been returned. What if my checking account was overdrawn this whole time? 

" What's in your wallet? '' Absolute garbage.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated.

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 XXXX  days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

hi my name is XXXX and I am a victim of identity theft. all 3 beauros ( Experian, XXXX, and XXXX ) have used my information without consent or my authorization. It is clear in the law that consumers have the right to privacy which all 3 beauros have violated my federal rights. they have not done their grave responsibility to protect my right
Product: Mortgage

In XX/XX/XXXX my husband was working in the XXXX when the housing boom ended. He was out of work until XX/XX/XXXX and we filed bankruptcy because we had been unable to pay outstanding bills. Because we were struggling to our mortgage, we applied for a home modification in XX/XX/XXXX and submitted all of the paperwork required by J.P Morgan Chase. After submitting all of the paperwork they requested, they requested the same documents every 2 months for 5 years. We never received any answer or decision regarding our modification and in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX we failed to pay our monthly payment. In XX/XX/XXXX we went to the physical location of J.P Morgan Chase Bank to pay all of the monthly payments that were owed and the teller refused to take our payment because there was a hold placed on the account. We contacted Chase via phone and they were vague about what was happening with our mortgage so we contacted a lawyer and we found out that Chase was taking steps to foreclose on our home. We then proceeded to request the complete monies owed to bring our mortgage to current status and they told us they would contact us in several weeks. They never contacted us and would not tell our lawyer how much we owed either. In XX/XX/XXXX we took {$10000.00} out of my husbands 401K plan and brought the money to Chase to pay off the delinquent amount and they were unable to take the payment. Now, XX/XX/XXXX an auction has been set for XX/XX/XXXX. We have paid {$7000.00} in lawyers fees and we were denied a modification on XX/XX/XXXX because we now make too much money. For the past 6 years we have been trying to modify and we are losing our home. When my husband finally found employment with his previous employer, he was making {$XXXX} an hour, and I XXXX making {$XXXX} a year. 2 years ago he was making {$XXXX} an hour and I was XXXX making {$XXXX}. Our income has increased however at the time we defaulted we were struggling financially and we really needed help, I am back XXXX making {$XXXX} and my husband is currently making {$XXXX} but we make too much money for a loan modification. It does not appear that Chase was willing to assist us with our loan and we are making this complaint hoping for assistance as well as warning others who may be facing a situation like ours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect names and addresses with Equifax for over the past year and they are still reporting this erroneous information still. I have asked them to remove all names and address that's not associated with me and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding Violation of verification and reporting of installment account XXXX XXXX XXXX XXXX account # XXXX   date opened XX/XX/XXXX, XXXX XXXX account # XXXX  date opened XX/XX/XXXX, XXXX account # XXXX  date opened XX/XX/XXXX, XXXX XXXX XXXX accoun t # XXXX date opened XX/XX/XXXX, Negative items ( installment, revolving ) on my credit report ( s ), where I personally contacted the creditors and they could not locate any accounts under my name. I was also informed by them that that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible Equifax is reporting negative account information account? Your assistance is greatly appreciated.

Out 3 CRA only Equifax is the one that is reporting these accounts on my consumer credit report, not my account/ never had account with XXXX XXXX XXXX XXXX , XXXX XXXX , XXXX, XXXX XXXX XXXX , incorrect " XXXX '' data and violates FCRA provision 605,607,611 and 623a I have also submitted a complaint with Federal Trade Commission and forwarded this information to my attorney to file a lawsuit against Equifax for reporting wrong information and damaging my credit rating.
Product: Debt collection

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. 

I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. 

I've never heard of or from XXXX XXXX XXXX or Bursey & Associates. The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. 

I was able to contact Bursey & Associates for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by XXXX XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX. Then from XXXX XXXX to XXXX XXXX XXXX and then to Bursey & Associates. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. 

The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX. I may never get out of this debt.
Product: Debt collection

XXXX - Fail to Respond letter XXXX XXXX 2020 XXXX XXXX XXXX XXXX XXXX XXXX, HE XXXX RE : Account of XXXX XXXX Collection amount claimed I owe {$1700.00} Account number XXXX Dear XXXX, This letter is to inform you that the debt collector, Portfolio Recovery Associates has failed to respond in the 30 day timeframe to my Validation letter. The company legally must now cease ALL collection efforts, and remove the negative items placed on my credit report. It's a violation of the collection practices act for a debt collector to fail to respond to my verification letter. 
Under the Fair Debt Collection Practices Act, Portfolio Recovery Associates, is required to respond to my request for validation within 30 days of receipt of my communication. It has been more than 30 days, and I have yet to receive a response.

Under both State and Federal consumer law, I have the right to have my debt validated, and Portfolio Recovery Associates is obligated to respond within the statutory time limit. 

Failure to respond to my requests for validation is a violation of the Fair Credit Reporting Act. I have included with this letter, a copy of the certified mailed receipt proving that Portfolio Recovery Associates received my Validation letter.

This letter is to also inform you that the Texas Statute of Limitations ( 4 years ) on this debt has expired. This letter is my legal right of assertion that the debt is no longer a collectable debt. You must hereby cease and desist all collection actions and activities on this account against me, immediately. 

Please be aware, Failure to abide by the FDCPA could result in legal action against you and fines assessed by the U.S. Federal Trade Commission. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the Zelle 's handling of my disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform Zelle. Despite using Zelle numerous times and reporting the discrepancies, my financial institution and Zelle failed to investigate my claim. They informed me it was nothing they could do to recover my funds The CBFP 'S findings indicate that Zelle neglected to protect consumers. leaving users vulnerable to such scams.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a vehicle from XXXX for XXXX. I applied for Financing of XXXX. However the vehicle was unsatisfactory after an inspection and returned to XXXX as per their policy of accepting return of vehicle for cancellation of sale under a seven day guarantee of full cancellation. XXXXXXXX XXXX  loan subsidiary Bridgecrest finance company has failed to cancel loan or back it out despite numerous correspondence and communication from myself and XXXX 's customer service informing them beginning XX/XX/XXXX that the car was returned as per their policy and sales was null and void. Last communication was XX/XX/XXXX via internal communication from XXXX to Bridgecrest for the purpose of ensuring the closing of account before any payment became due. Bridgecrest refuses to correct their mistake and has informed credit agencies that a loan is in effect and has not to date cancelled loan for an automobile returned within required period or a transaction that has not been finalized but cancelled as per their return policy guarantee. I have exhausted all efforts to resolve this matter even contacted the XXXX  to no avail. I recently received a call on XX/XX/XXXX from their collections informing I failed initial payment.
Product: Credit card

This complaint follows a previous complaint I submitted regarding my XXXX credit card account with Goldman Sachs Bank. In late XX/XX/year>, I applied for an XXXX credit card and received approval on XX/XX/year>. Shortly after, I contacted Apple Card services to inform them of my XXXX ( I am XXXX ) and requested assistance in setting up and operating the credit card. 

On XX/XX/year>, I attempted to use the card, but it was declined due to a restriction. Despite multiple follow-ups, I was repeatedly informed that the matter was escalated and that I would receive a callback within 24 to 48 hours. These callbacks never occurred, and I faced significant difficulties in obtaining any substantial information about my account status. 

On XX/XX/year>, I received an email stating that my account was closed due to a violation of the customer agreement. When I attempted to follow up about this email, I spoke with a representative on XX/XX/XXXX, who confirmed that my account was indeed closed. The representative informed me that notations were put in by upper managementthe same individuals who were supposed to return my previous calls. These notations instructed representatives to not provide me with any further information and stated that the account restrictions would not be lifted and that the account was now closed. The representative also mentioned that I should receive a callback within a XXXX timeframe from raising the escalation. This timeframe has clearly been exceeded without any response. 

The lack of communication, assistance, and failure to accommodate my XXXX has caused significant frustration and inconvenience. I believe that Apple Card services and Goldman Sachs are in violation of the Fair Credit Reporting Act ( FCRA ) and the Americans with Disabilities Act ( ADA ).

**Violations of the FCRA include : ** 1. Failure to provide accurate information and proper notice regarding the status of my account. 
XXXX. Failure to conduct a reasonable investigation of my disputes. 
XXXX. Failure to provide a timely and adequate response to my inquiries.
Product: Checking or savings account

I called Citibank XX/XX/XXXX when they said my account was being closed. They said they would mail me a check with my remaining funds ( {$860.00} ) in 30 to 60 days I called everyday for XXXX  days after that. I called a week later and then al through XXXX. XX/XX/XXXX was 60 days. I called and they are still telling me 30 to 60 days and will not mail me my remaining funds. They also will not let me transfer it to another account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company because I saw that multiple credit reporting agencies fraudulently obtained my information and fraudulently accessed my consumer reports and made entries to my reports. I also reached out to the Consumer Financial Protection Bureau, because pursuant 16 CFR 313, the Bureau must enforce Federal Law. I OPTED OUT, pursuant to 15 USC 6802, 12 CFR 1016.1, also making them aware of the violations committed against me were in violation of the Gramm Leach Bliley Act. The purpose of 12 CFR 1016.1, as disclosed by the congress, governs the treatment of nonpublic personal information about consumers by the financial institutions, that they listed.

I also informed all consumer reporting agencies of them violating my privacy, pursuant to The Privacy Act of 1974, 5 USC 552a. Part b of 5 USC 552, states the conditions of disclosure, " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

In accordance with the FCRA, 15 USC 1681 section 602, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Equifax, XXXX, XXXX, XXXX and XXXX XXXX are consumer reporting agencies, and I am the consumer, to whom these consumer reports relates to. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are all financial institutions as defined in 15 USC 1681 section 604. None of these companies had my permission to disclose my personal nonpublic information, verbal nor written consent was supplied by me to these companies. Equifax, XXXX, XXXX, XXXX, and the companies listed above, verbal, non-verbal, written, implied or otherwise is revoked, pursuant to 15 USC 6802 ( b ) ( c ). 

XXXX, Equifax, XXXX XXXX and XXXX XXXX, are also in violation of 15 USC 1681C ( a ) ( 5 ), which 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. 

The admissions of the XXXX XXXX XXXXXXXX and XXXX XXXX in my consumer file are violations of Federal Law, pursuant to 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act is a federal law enacted to protect the privacy of student education records. FERPA protects public and private school records.
Product: Debt collection

My identity was stolen last year XX/XX/XXXX. The thieves used my social Security number to purchase two brand new XXXX XXXX XXXX in XXXX. They also used my SS # to get car insurance and rent an apartment at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX. When I contacted the apartment complex and spoke to property management they advised me to contact XXXX XXXX at XXXX and they verified that someone did use my SS # on XX/XX/XXXX to rent an apartment. They gave me application ID # XXXX. The thieves stopped paying for the apartment on XX/XX/XXXX which then created unpaid balance and was sent to collections. I saw a charge in my credit report for XXXX for the amount of {$12000.00} as of XX/XX/XXXX. This is not me. I live in XXXX and not in XXXX. I did submit to all credit bureaus police report from last year when we found out about the stolen vehicles. I have disputed the charge with credit bureaus regarding the apartment. I don't know how else they used my SS # but my number is frozen from all credit bureaus.