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

I received a copy of my credit report and found the following items to be an error : XXXX XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$5900.00} / BAL OWED : {$120.00}. Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a 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 21days before the payment due date. I NEVER gave EXPERIAN Reporting Agency OR XXXX XXXX XXXXXXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). EXPERIAN Credit Reporting Agency has caused severe stress and XXXX  due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Student loan

Was out of work throughout my time at school and was given a forbearance instead of no employment repay which kept the interest going. I asked about it they said I didn't qualify for it, when I took off time from school due to illness. And the school was not forth coming on the amount of my base loans. I asked for copies of my loans that I took out to verify my actual amounts because my loans interest was getting very high even while in school. 
I never received a copy or explanation as to why I can not receive the copy. I strongly dispute the actual amount of the loans taken and the interest accrued.
Product: Checking or savings account

Subject : Urgent : Regulation E Violation No Provisional Credit Issued Within Required Timeframe Dear Bank of America Claims Team and Resolution Team, I am writing to express my serious concern regarding the handling of my fraud dispute involving unauthorized XXXX XXXX transactions on my debit card. 

My dispute was originally filed on XX/XX/2025, denied on XX/XX/2025, and reopened on XX/XX/2025 after a CFPB complaint was submitted. 

Today is XX/XX/2025, and it has now been 12 business days since the claim was reopened. Under Regulation E ( 12 CFR 1005.11 ), you are required to provide provisional credit within 10 business days of receiving a claim. To date, no provisional credit has been issued. This is a violation of my rights protected by federal regulations. 

Due to this violation by my bank, I have to take high interest rate personal loans to meet my finances. I demand an additional 100 % compensation along with the disputed amount for the violation of my rights and leaving me helpless by not provisionally crediting my account within 10th business day timeframe and providing false information by XXXX XXXX XXXX ( resolution specialist ) that Regulation E does not cover it. His communication was on a recorded line by bank of america. 

Please treat this message as part of the official record, as I am updating the CFPB complaint accordingly. Also I will move forward with complain to the office of Comptroller and other agencies who the bank falls under. 

Sincerely, XXXX XXXX.
Product: Credit card or prepaid card

While visiting XXXX XXXX in XX/XX/XXXX we billed all charges to our room, including all food and beverage, so we wouldn't have to carry a credit card as we visited all of the parks. At the end of our stay the total for those charges was billed to the credit card that I specified when we checked in, my Capital One Savor MasterCard. That card gives cash-back credit for various kinds of purchases. It gives 4 % on dining and entertainment but only 1 % on general purchases. Because our XXXX XXXX dining charges were billed to our room Capital One classified those as lodging and only gave 1 % cash back instead 4 % cash back. The 25 individual dining charges amounted to XXXX, so instead of earning {$24.00} we earned only {$6.00}. 

I called Capital One on XX/XX/XXXX and spoke to a customer service supervisor named XXXX to ask that they reclassify the dining part of the charges so we would accrue the higher percentage of cash back, since this is how they promote the Capital One Savor card. He said that the only way to correct this is to have XXXX refund and re-bill this to Capital One as dining. They know that XXXX will never do this. I offered to provide the billing details that XXXX emailed to me that clearly distinguishes the food purchases but they said that there is nothing they can do.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681.

List of accounts 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 15 usc 1681 section 602 A states I have right to privacy 15 usc 1681 section 604 A a consumer reporting agency can not furnish a account with out my written instructions 15 usc 1681c ( a ) ( 5 ) section states no consumer may make any consumer reporting containing any of the following information any other adverse items of information other than records of conviction of crimes no more then 7 years 15 usc 1681-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate Fair resolution is : Delete the accounts Equifax information services llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello.   Something wrong with my credit report.   Some information that Experian has is not mine. (   XXXX   XXXX   XXXX   ) I am not good at English.   So I have tried to contact Experian several time through online to avoid misunderstanding.   But they never give me their response.   Please remove these errors from my report.       1. Someone who I do n't know is on my report.
2.   Some   XXXX   card number is not mine.     Please see attachment.     I 'd appreciate it if you could check this and send me your response.     Thank you.
Product: Mortgage

To whom it may Concern, This is a reply to the alleged response Midland Mortgage claim they sent me. I never received a reply to my original complaint that was mailed to their office on two occasions and I have received confirmation letters stating they received both of my letters. 
My claim that my escrow analysis covered a period less than 12 months is true and I have attached a copy of the document. The reply from Midland to CFPB is contradictory. First, they say at the time of my analysis I was due for a XXXX payment and that all payment made since my previous analysis were utilized in my current analysis. That being said I have a credit for XXXX and XXXX Escrow payments and I dont. If you look at the Escrow Statement reviewed XXXX my Escrow History covers XX/XX/XXXX thru XX/XX/XXXX whereas my Statement reviewed XXXX my History covers XX/XX/XXXX thru XX/XX/XXXX which is not 12 months as I stated in my original complaint. My complaint stands that my payment was based on an inaccurate Escrow Analysis. I dont understand how my account being due for a XX/XX/XXXX payment at the time of an XX/XX/XXXX analysis would cause a larger escrow shortage. What that statement says to me is that at time me of my analysis Midland had received my XXXX, XXXX and XX/XX/XXXX payments and my XX/XX/XXXX analysis should have a Escrow credit for XXXX, XXXX and XXXX. I dont have a credit for XXXX or XXXX. Also, once my mortgage payments were brought current my past due escrow payment should have been reflected in my Escrow History and they are not including in my History. What happened to my Escrow payments for XX/XX/XXXX, XXXX thru XX/XX/XXXX? What you will see on my History is there was a double payment in XX/XX/XXXX to cover XXXX and XX/XX/XXXX. Nothing recorded for XX/XX/XXXX or XXXX thru XX/XX/XXXX. However, in XX/XX/XXXX I received credit for {$1000.00} which include two payments at {$330.00} and one payment at {$430.00}. I was only short one payment of {$330.00} and several at {$430.00}. 
It is my understanding that I am required to have a 12-month Escrow Analysis and Midland has not provide me with a proper Analysis. I believe my payment have been misapplied to my account, I just dont know how far back this misappropriation goes.
Product: Debt collection

Hi Today XXXX XX/XX/2020, I received a letter from XXXX XXXX XXXX XXXX stating that I owe XXXX with Ref PayPal I contacted PayPal immediately and they confirmed that I dont owe anything or have unpaid or overdue payments or transaction with PayPal at present time and day. PayPal admited that they do business with XXXX Debt Collector .I asked to get in touch with one another to inform each other that my account is clean. PayPal said since my account is clean they cant open an enquiry or dispute unless theres a payment issue, which is not at the moment. I dont know how to deal with this mistery debt.. 
Please reply Regards
Product: Debt collection

The CBE Group , Inc The CBE Group , Inc flagged my credit files with inaccurate/unverified seriously past due/ assigned to attorney, collection agency, or credit grantors internal collection department information. 
Please note this is a collection company not an attorneys office. 
The CBE Group, Incs account was updated XX/XX/2022 Please be advised that The CBE Group , Inc are not Holders in Due Course ; no services or goods were received from The CBE Group, Inc and I have not agreed to pay/tender anything to The CBE Group , Inc on behalf of their alleged client for any reason. The CBE Group , Inc have not provided any documents or itemized statements VIA MAIL proving I owe a debt to them.

Proper documentation from The CBE Group , Inc was NOT provided to me to allow The CBE Group , Inc to verify the accuracy of their data before placing their account with the credit bureaus for collection. This proves that The CBE Group , Inc and XXXX XXXX are not honorable or honest businesses that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private information to The CBE Group , Inc . 
The CBE Group, Inc does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. The CBE Group, Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. I will upload proof also. Please abide by all mail codes. All calls are recorded for my safety. 

Amount {$250.00}
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX , XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , CA XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX , XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I signed up for Coinbase early around 2013, and have recently been active. Ive placed orders over {$300.00}, and gave the company all of my sensitive information : Drivers license, phone number, bank account info, and so on JUST to verify my account. I opened XXXX account, and while I was trying to confirm my identity, it suspended me for NO REASON. It kicked me out and wouldnt let me back into XXXX. Thats fine, but why would you SUSPEND my Coinbase account too?!? I am literally in awe. I wrote in Support ticket, have been waiting for weeks. Nothing. If youre in the business to scam accounts like mine to keep small chump change, youre doing it wrong. I understand risk and identity theft protection, but this is ridiculous. Im coming in from the same XXXX device id, same ssl fingerprints, same IP Ive used to log in to my Coinbase account, WHICH is still logged in and you should probably still HAVE my most recent XXXX. Why did you suspend me? 

Separately, you had emailed me to confirm my bank account name which youve somehow ironically used my Nickname to verify, which doesnt make sense. Why would you use my nickname to verify my bank account as opposed to the legal name Ive provided you ON THE ACCOUNT? You also had asked me to verify my identity to which I followed your link that leads me to nowhere your account is already verified what am I supposed to do next? Contact support? Wait for a year like some people did? This is ridiculous.
Product: Debt collection

P & L Acquisitions sent me a letter dated XXXX XXXX, 2015 saying that I owed over {$4000.00} for a credit card that had been charged off over 5 years ago. The orignal balance was {$750.00}. The statute of limitations has long passed in XXXX ( the location of the credit card company ) and XXXX ( the state I reside in ). I have sent a letter to the agency stating so and that they are no longer able to legally collect on this debt. I have received XXXX letters and numerous phone calls about this debt. In the most recent letter, I have been threatened with legal action if I do not pay the debt in full within 30 days. I am waiting to hear back from P & L Acquisitions.
Product: Credit reporting or other personal consumer reports

This letter serves as yet another formal legal notification of my DEMAND for you to CEASE and DESIST all activities related to the above-noted derogatory misreported information. This reporting is in significant violation of lawful reporting requirements and is substantially deviant in its certifiability under mandatory XXXX XXXX format compliance. 

Additionally, your reporting fails to meet the factually required standards of : Perfect, physically verifiable accuracy Complete and demonstrated truth of reporting Certified compliance with all legal and regulatory obligations Should I remind you that ONLY PHYSICALLY VERIFIED, VALID derogatory claimsthose that are perfectly correct, completely certified, and XXXX XXXX format XXXX mandatory criteria for reporting? Anything less is not optional, but unlawful. 

I DEMAND that you PROVE the : Verifiability VALIDITY Certified XXXX XXXX format compliance Or else, IMMEDIATELY REMOVE any and all derogatory data now and in the future. 

I further DEMAND that you act in FULL ACCORDANCE with regulatory laws and reporting standards, whether mentioned by me explicitly or not. Any failure to do so will be deemed willful disregard of your legal responsibilities and an unlawful, injurious harassment of me and my consumer rights. As such, I reserve the right to file civil suit against you for court-ordered resolution and monetary compensation. 

TREAD LIGHTLY with your unproven claims that lack certifiable validity! 

AGAIN, I DEMAND that you CEASE and DESIST all reporting activities related to the above-listed derogatory student loan account ( s ) and any aspect ( s ) of said claims that remain unproven and uncertified. 

Surely, you realize it is ILLEGAL to report misleading or unverified data, especially after a formal consumer complaint has been submitted notifying you of these violations. Therefore, I DEMAND that you IMMEDIATELY REMOVE the following illegally reported allegations NOWas they fail to meet even the MINIMUM requirements of accurate reporting. 

As is my RIGHT, I DEMAND that you IMMEDIATELY OBLITERATE this misreported misinformation and permanently block it from any future reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX the date credit was ran without consent.
Product: Debt collection

On XX/XX/XXXX, a summons was left at my door saying I am being sued by Calvary SPV 1, LLC, represented by XXXX XXXX XXXX for debt they claim I owe them in the amount of {$5300.00}. I electronically answered the summons denying any knowledge of this debt to them on XX/XX/XXXX, sending a copy of the answer to XXXX XXXX XXXX and the court. I then received a false response by XXXX XXXX XXXX dated XX/XX/XXXX stating that I did not respond to the summons on time and that they were requesting a default judgement be made against me which I believe was a tactic used to scare me. After waiting another couple of months, XXXX XXXX XXXX sent a request for admissions on XX/XX/XXXX. This debt that I allegedly owe is time barred as the applicable statute of limitations in California has expired on XX/XX/XXXX according to documents they sent me. They now on XX/XX/XXXX requested a hearing for XX/XX/XXXX. This violates Rule 1006.26 Collection of time-barred debts by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any INACCURATE INFORMATION which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INACCURATE INFORMATION deleted as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute letters to XXXX, XXXX  and Experian In XX/XX/2021, XX/XX/2021 and in XX/XX/2021. I submitted along with my dispute letters a copy of my FTC identity theft report, a signed and norarized identity theft affidavidt, my state ID and a copy of my social security card.

I received letters from all 3 bureaus stating that I needed to submit copies of identity theft reports and identity theft affidavidt, .I have already submitted those documents along with my dispute letters to them, and I believe they are refusing to correct the inaccuracies on my report on purpose. 

They did not investigate the inaccurate accounts, instead sent me a letter asking for the paperwork I already sent to them. This has been going on for more than 90 days. They did not investigate the inaxxuracies and did not honor the ID theft and FTC report i submitted to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

lam a natural person. I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacv and I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i sent a letter to the company requesting the methods used to verify the said items on my credit and currently seems to ignore my request. I was recently looking to purchase a house so want this issue resolved as soon as possible
Product: Credit reporting or other personal consumer reports

Equifax continues to violate state and federal laws in the displaying and reporting of an account not belonging to me. This account has been disputed on multiple occations and consumer reporting agency says account comes back verified and belonging to me. Consumer has built a claim through administration process and hold Equifax to a default judgement for failure to properly and timely respond to the inaccurate information on my consumer report. This is notice of proof of claim and intention to sue. Consumer demands {$15000.00} remedy or face federal lawsuit for violations against FDCPA, FCRA, CCPA, FTCA, ECOA, PA and Identity Theft.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding mutiple overdraft fees I have incurred despite having sufficient funds when transactions were authorized.I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds.I believe these practices are unfair and request and investigation into my account transactions.
Product: Checking or savings account

I opened 3TD bank accounts 2 of them still have the initial deposit being held and the other checking account, the funds were released to me and 15 minutes later there was a hold placed on my available balance and now I am back in the negative with my account balance
Product: Checking or savings account

On XX/XX/XXXX I open My Student Account with US Bank as I'm XXXX-XXXX   Student at XXXX XXXX College in the City Of XXXX. Today Saturday XX/XX/XXXX I'm In Receiving a Letter dated XX/XX/XXXX stating that the financial Institution is closing my account effective XX/XX/XXXX Which means 4 days from the today when I had received the letter. I went into the branch on XXXX in the City of XXXX and spoke to the Teller " XXXX '' which she stated that the normal protocol of the bank is 30 days from the date the customer received the notification. I Had to Maintain a Good ethical relationship with the bank for the past 4 years and I'm XXXX Years old senior XXXX  citizen and I'm confused of their motive.