23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Our credit card was taken while we were on vacation in  XXXX  and ran for a fraudulent amount. The receipt that was turned in to  XXXX  was an obvious forgery. We have provided  XXXX  with documentation showing that it is not our signature. Immediately after noticing the amount on our statement on the evening it was stolen we cancelled our card for fraud.  XXXX  refuses to help us locate the merchant, a bill of sale, an address, or even a phone number for the person who stole from us, they will not tell us what was allegedly purchased at a gas station for exactly  XXXX  pesos. The receipt provided to them by the thief has " duplicado '' ( duplicate ) written on it which shows it is not an original receipt and is indeed a reprint that they forged during the dispute process. We were charged  XXXX   pesos ( {$640.00} ) a nd we 100 % did not authorize this sale, nor do we know what we supposedly purchased. We believe this occurred at a gas station in  XXXX  where the attendant took our card, ran it for the fraudulent amount, and then told us the machine was broken. He then forged my name when  XXXX  called asking for the receipt.  XXXX  has stopped returning our calls and answering our letters, they refuse to open the case again even after sending multiple certified letters and notarized faxes. We feel like we have been robbed twice, once by the attendant in  XXXX  and once again by  XXXX . Please help.     References ( a common scam in  XXXX   )  : http :  XXXX  https :  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my insurance claims were filed for services by XXXX XXXX that took place on XX/XX/XXXX. I received my first bill from XXXX XXXX In XX/XX/XXXX which was dated XX/XX/XXXX. In late XX/XX/XXXX, I received a letter dated XX/XX/XXXX, from the collection agency OAC about the bill. I placed a call to them in XXXX and informed them that I was aware of the debt and according to the FCRA, I had 180 days to allot time to ensure my health insurance processed the claim. I had XXXX earlier in the year and this bill should have been paid in full because the XXXX alone met my deductible. In addition, I informed the collection agency that I was in the process of filing for Chapter XXXX bankruptcy. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX. The Bankruptcy Court through my attorney notified the original creditor, XXXX XXXX on XX/XX/XXXX of my Chapter XXXX filing ( this was a little over 4 months after I received my first bill from the original creditor ). My bankruptcy was discharged in XX/XX/XXXX. On XX/XX/XXXX, the collection agency OAC unfairly added two collection accounts to my XXXX credit report for the first time ever. The collections are being added literally 7 months after the accounts were paid the bankruptcy protection. This is an unfair and deceptive tactic by OAC to ruin my credit rating. The accounts show on my credit file as closed paid accounts and included in bankruptcy. They appear as if they were on there the entire time, but were just added last week on XX/XX/XXXX.
Product: Mortgage

My spouse had filed for bankruptcy around XXXX of 2022. I had no idea that this was something she was doing until my mortgage statements just stopped coming without notice, and the last one received was for XX/XX/2022. I don't remember any specific dates that I made contact with them, but have on 3 seperate occasions asked for my statements to be sent and everytime they told me its the law that they can not send them to me, even though I did not file bankruptcy. I had asked them to send me statements for information, because it's law even if I had filed and they said that is not how the law works according to the cfpb. They claimed that the statements had been forwarded to my wifes lawyer, but when asked they have never received a single statement either. My wife 's lawyer has even sent a letter to the company requesting the statements be reinstated and still nothing. The mortgage company also never sent any of my tax documents, I have been dealing with this for a year now and still nothing, I am done playing can I put you on hold and getting passed off to the next unhelpful rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

" THIS COMPLAINT IS NOT A DUPLICATE " This loan was paid off in full on XX/XX/2023. XXXX unexpectedly called the loan in the prior month. It has failed thus far to report the account as paid and settled to all credit bureaus. XXXX has behaved in a manner similar to a loan shark. Regardless we had to find the money to pay them off and now they are holding back on reporting It as paid. Which is having a negative effect on my credit score. 
Please see the attached loan paid receipt E-Mail from them. 
This complaint is also addressed against the XXXX credit bureau companies for maintaining and putting out the wrong information on my credit report and not updating it regularly.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payments remove now!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These late XXXX must be removed asap, i have reported fraudulent activity due to a security breach in a system that contained my personal information. 
I have been disputing these items since the pandemic and have reported these errors to Equifax, XXXX, and XXXX these companies have failed to investigate and have thrown out numerous complaints and have failed the american consumers by violating the 15 USC 1681 ( d ) disclosure of investigative reports, these companies have failed to report accurate information and thrown out letters instead of investigating the consumer letters and having the best interest of the consumers. They have continued to violate federal law 15 USC 1681 ( d ) even upon investigation from congress with Rep XXXX XXXX  where congress findings have acknowledged that these credit bureau failed to investigate and has caused damages for consumers with errors on their consumer reporting. Remove these late payments now or i will exhaust my consumer rights and bring these erroneous errors and hold these companies accountable by going into litigation!. 
Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 XXXXXX/XX/XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I opened CITI bank Priority account which promised an account opening Bonus of {$600.00} after qualifying activities of depositing {$50000.00} and keeping money in the account for 5 months! 

Even after qualifying activities are fully completed and confirmed by CitiBank Customer Service Representative, they are NOT depositing my Bonus of {$600.00} in the account. 

If I chose to close the account then they will not deposit the bonus even though my account and money ( {$50000.00} ) are held by them in my account for more than 5 months now. 

If I decide to make full withdrawal of my money {$50000.00} and keep the account open so as to receive the bonus amount of {$600.00}, they will charge me account maintenance fee as account need to have {$50000.00} at all the time to avoid account Maintenance fee. 

I simply want to get my bonus of {$600.00} and withdraw all of my {$50000.00} held with them and close the account immediately as I need the my money back soon. 

Purposely they are delaying the bonus depositing process to keep my {$50000.00} locked with them. 

I attempted to escalate the matter but they are not doing anything. I have spent hours with them on phone but they do not seem to care. 

They do not have any mechanism in place to keep a record of two way communication between bank and the client. 

Very deceitful tactics by citibank. 

Kindly help.
Product: Debt collection

Happy XXXXXXXX XXXX XXXX 

I visited XXXX XXXX in XX/XX/2021 and after landing, went to XXXX and had food poisoning. 
XXXX was called and took me to a hospital, which was not covered with my insurance. 

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

XXXX, Equifax and XXXX are reporting 11 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 7th dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Checking or savings account

This is not a duplicate complaint. The following amount was not included in the previous complaint I used XXXX to book a vacation. The first payment was taken in the amount of XXXX on XX/XX/XXXX. On XX/XX/XXXX due to Coronavirus ( COVID-19 ) threat XXXX cancelled my trip, and advised that i will need to speak to my debit card 's issuing bank for your options as a cardholder. I did as advised to no positive conclusion. My card issuing bank just keeps telling me to resolve the matter directly with the merchant. The following statement directly from the merchant Please note : BookIt.com paused operations on XX/XX/XXXX as this crisis was unfolding. As we are currently unable to process refunds to you, please contact your bank for options available to you as a cardholder. I've submitted the cancellation letter provided to me by the merchant, I've also submitted the flight and hotel information, to help with a positive outcome. Again they denied my claim. Several people that had used the same merchant disputed successfully with their credit card bank and recieved their money back. This situation is going on since the end of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my accounts and needs to report the payment status positive and update all late from reporting on this account : XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App Block Inc due to an adequate customer service and unfair practices, which violate XXXX. Specifically cash app bill to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive as they did not comply with error resolution requirements under XXXX reregulation E. These actions has caught a significant inconvenience in financial loss. And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & XXXX XXXX which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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: Debt collection

This company is reporting a debt to the credit reporting agencies for an alleged balance of {$130.00}. On  XXXX  I sent a letter to them requesting that they perform an investigation of the account and to send copy of any contractual agreements that they have on file validating that this is a valid debt and that they were either sold or assigned to this account. On  XXXX  I requested this information again because I had not yet received the requested documentation and yet again the company has failed to provide but has updated the reporting with the credit reporting agencies on  XXXX . This company is in violation of reporting an unverifiable debt to the credit reporting agencies, updating a reporting 60 days after the re-investigation and not providing supporting information and failing to notify me that this debt has expired the statute of limitations for my state of residence. I am requesting an immediate deletion of this item from each of the agencies in which it has been reported.
Product: Debt collection

The debt was set to collection with the first collection company in XXXX. It has been sold to other companies since then and the keep changing the beginning date. This company says the debt is from XXXX but it isn't. I told the credit reporting companies and they said that the XXXX date was ok. The account went to collection in of XXXX beginning of XXXX which is XXXX XXXX XXXX and need to be removed from my credit report. I have not lived in Maine since them and that was the last place I had a phone in my name. I went with other company and my husband had the phone in his name
Product: Credit reporting

the balance was XXXX $ and XXXX $ latte fee total shood be XXXX $ and be send to me to pay it off
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH 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 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 reported in 60 days 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.

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 XXXX 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 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Equifax to have so inquiries removed from my credit report, Equifax deleted 18 inquiries but did not delete the rest on my credit report I have 12 inquiries on my repor that I want deleted, I have screen shots of 12 inquiries remaining on my Equifax credit report that I want deleted I do not recognize these inquiries and would appreciate if Equifax delete these inquiries, I have filed a FTC identity theft report and sent to Equifax, you can not get all these inquiries on this FTC report, so Im sending the screen shots to Equifax and show them that the rest needs to be deleted
Product: Debt collection

Subject : Complaint against XXXX XXXX XXXX regarding misleading communication and improper debt collection practices Date of incident : XX/XX/XXXX - Present Complainant : Complaint Details : XXXX. On XX/XX/XXXX, my XXXX vehicle was totaled by a XXXX XXXX 

XXXX. In XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ) instructed me via their online portal message to stop making payments on the vehicle, pending the conclusion of the insurance claims in-process at that time. 

XXXX. An XXXX representative verbally confirmed this instruction over the phone, stating they do not want me to overpay during the insurance claim process. 

XXXX. My last payment was made on XX/XX/XXXX. Subsequently, XXXX closed the payment portal for my account, making it impossible to access and make further payments. 

XXXX. The insurance company ( XXXX ) paid the fair market value for the vehicle, leaving a balance of {$11000.00}. 

XXXX. My XXXX insurance claim was denied on XX/XX/XXXX, due to circumstances beyond my control. 

XXXX. For XXXX months following the denial of the XXXX XXXX XXXX I received no communication from XXXX or any other entity regarding how to pay the remaining balance due to XXXX. During this time period I received regular communication with XXXX regarding my second vehicle. 

XXXX. On XX/XX/XXXX, I unexpectedly received a collections notice from ANFI , Inc., stating that the account was delinquent and had been placed with their office for collections. 

XXXX. I intend to dispute this debt and request validation from the collection agency. 

Requested Resolution from CFPB : XXXX. Investigate XXXX 's failure to provide clear instructions for handling the remaining balance after the insurance payout. 
XXXX Review the appropriateness of sending the account to collections without prior notice. 
XXXX. Require XXXX to improve their communication practices with customers in similar situations. 
XXXX. Assist in resolving the outstanding balance without negatively impacting my credit score, given the misleading instructions I received from XXXX. 

I can provide additional documentation to support this complaint if required.
Product: Money transfer, virtual currency, or money service

I'm 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 out 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 for these violations.
Product: Checking or savings account

I was wiring funds for a real estate matter and Wells Fargo froze my account due to suspected fraudulent activity in regards to the deposits posted on my account. There was no flagging of my account when the deposits occurred only when the funds were being sent out of my account. Wells Fargo demanded that I go to the branch and get on the phone with their national fraud investigative team where My privacy and the right to my own funds was abused. The matter was dealt with after I answered all questions multiple times. Months later I closed my Wells Fargo account due to the customer abuse I experienced.
Product: Debt collection

This is a XXXX party debt collector called Harris and Harris lts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they are using a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to send these letters to me and keep harassing me for a doctors bill from XXXX. i have told them multiple times that i have reduced income and would like to wither settle or work with me on a reduced payment plan and they refuse to do so, they keep calling and keep on using abusive language but then hang up on me and call again on week ends and week days, i told them to cease and desist the number but they are now calling my work number and also leaving messages for me they have also obtained my info on linked in and are now sending letters
Product: Credit reporting or other personal consumer reports

RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Hyundai Capital of America, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware, this entire claim is regulated by an arbitration agreement, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date, there have been no arbitration proceedings. As a direct result of this, it is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably.

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file.

2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

4. Remove any and all late payments.

While I do not desire or anticipate that your negligence may force me to pursue further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes.

Thank you for your immediate attention to this matter. I look forward to resolving this issue promptly.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Account Number : XXXX