23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

XXXX XXXX is putting consumers at severe risk of losing their hard-earned money. I submitted a check through their mobile deposit. I followed the instructions for depositing EXACTLY. Then I get a notice that my deposit has " failed ''. There is no further information in the message, only to call them if I have any further questions. When a check for thousands of dollars " fails '' they should provide an explanation. Further, they require customer to endorse the check to say that it can ONLY be deposited to XXXX XXXX, so when their systems " fail '', that check can not be deposited anywhere else. They do this to trap you into their system but their system DOES NOT WORK. 

After I waited on hold to speak to someone for more than 10 minutes, I get XXXX in the Delaware office. When I tell her I will be filing a CFPB complaint, she put me on another hold and spoke to the Account Specialist XXXX who told that it was rejected by their " verification '' system and was never cashed and that they use their own verification system because they are an online bank. A SYSTEM SHE DID NOT CARE IN THE LEAST DIDN'T WORK. 

They have absolutely no regard for the fact they are holding peoples livelihoods in their hands and they don't care in the least who they hurt.
Product: Debt collection

Synchrony Bank ( Amazon ) has called my cell phone at least 30 times in the last XXXX days. Probably over XXXX times in the last month. I agreed to a buy out of my debt for 3 payments of {$47.00} over 3 months. I paid the first 2 on time and the third payment was returned as a N.S.F. due to a late XXXX XXXX payment to the checking account. When I attempted to pay the payment late they refused and reverted back to the original amount due and frequent phone calls. I offered to pay the last payment and again was refused. Now I get several calls a day from several different local phone numbers. I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX need to accept calls for medical needs and Synchrony Bank is on the other end. I had to quit answering the phone and let it go to voice mail. They call after their business hours so I cant speak to them at the time of the call anyway. They call 7 days a week, numerous times a day. 
Now the total amount due is {$270.00} with numerous late fees. My account ending in XXXX. Their contact number is XXXX.
Product: Credit reporting or other personal consumer reports

On the XXXX of XX/XX/2023, I wrote to you, demanding an inquiry into items that I considered were, erroneous, or incorrectly reported. To far, the only answer I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I feel this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Product: Checking or savings account

The bank is denying my request for reproduction of documents under rge Freedom of Information Act. ( FOIA ).

I requested from Citizens bank to privide me with a copy of all the emails that they received from me, in regards to some transactions dispute.

To date, the bank never provide me with the requested email communications.

The bank is in violation of the Freedom of Information Act. 


The bank should, urgently, provide me with all my email communications with their offices in regards to all my claims and transactions dispute.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an incident regarding my old checking account with XXXX  XXXX XXXX, and I kindly request your assistance in resolving this matter. 

Name : XXXX XXXX XXXX ID : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX ID Type : Driver 's License/USA ID State : MI XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing # : XXXX Incident Date : XX/XX/XXXX Contribution Ref # : XXXX The incident in question occurred on the aforementioned date, marked by unauthorized activity in my checking account. It came to my attention that my account was compromised after I lost my debit card. Upon further investigation, it was evident that someone had unlawfully accessed my account and attempted fraudulent transactions. 

This incident has been deeply concerning and has had significant repercussions on my financial well-being. Despite my efforts to address the matter with XXXX  XXXX XXXX, the incident remains unresolved, and the repercussions continue to affect my ability to utilize banking services. 

Moreover, I wish to emphasize that I have been a victim of identity theft, as evidenced by the unauthorized changes made to my account, including the alteration of my email address from XXXX to XXXX. 

Given these circumstances, I respectfully request the removal of the checking account fraud incident from my credit/banking early warning system report. This erroneous listing is adversely impacting my financial standing and impeding my ability to access essential banking services. 

I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection and fair banking practices. Your assistance in rectifying this matter would be greatly appreciated. 

Thank you for your attention to this request. I am available to provide any additional information or documentation required to facilitate the resolution of this issue. 

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

I recently submitted a complaint for the credit card provider for a closed credit card from XXXX. The company did not respond to my specific questions or concerns. I called their accounts recovery department on 8 separate occasions this year and they did not mention any those phone calls. In XX/XX/XXXX, on of their account recovery specialist did indeed state this account first went delinquent in XXXX not XXXX. Yet, Citi failed to even address this phone call in their response. They failed to mention my multiple phone calls from XXXX to XX/XX/XXXX. I asked them to update my credit profile to included my entire history with the company dating from XXXX until the account was closed. They failed to even address this matter. As well, CITI updated my three credit bureau profile, all three, indicating I still owe this balance on XX/XX/XXXX. I now have an active credit card debt of over XXXX dollars with {$3200.00} reported by CitiCards. This balance was written off and discharge in XXXX and this information can be found in their response letter. This is the reason why I can not make a payment to settle this debt because Citi discharged the balance in XXXX. This account had a XXXX  from the time it was written off in XXXX up until XX/XX/XXXX when they replied to my complain. I do not owe them for this discharged account and as they mention I am not required to make a payment for this account. I received a 1099-C in XXXX for this account and this account was treated as income following its discharged from Citi. To note, paid this debt in the form of taxes in XXXX. Citi tactics is simply bullying and intimidation and this should not be tolerated. I have asked them to simply update my credit profile given the delinquencies have dated back to XXXX and they have not. Instead, of being truthful they have reported this discharged debt as new credit card debt on my credit report. I am asking them to report this account back to XXXX  and please update my credit report to show the full length of my the credit history for this account. My wife and I are closing on a house the next 60 days and because of this one account, we are no longer qualified because this discharged debt dropped my mortgage credit score by 40 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have tried exhaustively to work with Experian to mitigate the damage to my credit report that is the result of identity theft. I have submitted the required documentation to have specific information thats on my credit report blocked and is the result of identity theft, but each time they respond with the same email telling me that I have not submitted the required information. In this email they list whats required to be sent, all of which they were in fact already provided. Since XXXX I have spent more than XXXX hours trying to deal with them, but they make it impossibly hard to speak to anyone over the phone and when I do get through to an actual person, rather then help with my concern, I get transferred around to different departments until eventually someone hangs up on me. Their failure to act in accordance with the law in processing my block request has resulted in actual damages, as the credits i actually do business with see me as a high risk solely as a result of the fraudulent information on my report. 

I have attached copies of the documents I have sent them as well as their most recent reply.
Product: Debt collection

They call every day at XXXX XXXX. No one talk and then they hang up
Product: Prepaid card

I have tried to use this card and cant use it in any stores, I have contacted you several times and you have come up with excuses. First time, it was because I havent used my card in any store and I have tried XXXX and it wasnt successful. Next time you stated you tried contacting me about my address. My address is correct. You have sent me things before to my address and also I have received no phone calls.
Product: Debt collection

There is an outstanding balance on the card that I do not agree with. The card balance is less than 3 months old and I have received no fewer than 8 calls daily from the company in relation to this debt. They will not provide me with options other than to pay over the phone and refuse to quit calling. I wish to settle this debt with the company it is owed to not this agency. They will not provide me with that information and call incessantly from multiple numbers. It feels overkill and harassing.
Product: Debt collection

XX/XX/XXXX I was made aware that I had a delinquent account with sprint mobile in the amount of {$120.00} My account with XXXX was closed in the fall of XXXX. XXXX assessed additional charges and sent this bill to convergent outsourcing. I received no communications regarding the delinquent account from XXXX or convergent outsourcing. I was made aware of this situation as im in the process of purchasing my first home, and upon pulling my credit, convergent has reported this to multiple credit bureaus effectively dropping my credit score from Excellent to poor. I have since taken care of the debt owed, however, my credit is damaged to a point where I may not be able to finalize my mortgage on XX/XX/XXXX on the house I have under contract. This is unfair and unjust. I had not been made aware of this and am seeking justice to have this removed from my credit report
Product: Debt collection

Dunn Law PA, is a debt collector attempting to collect a debt for XXXX XXXX XXXX XXXX. They are communicating via mail/phone. I have submitted a cease letter for communication to said " collector ''. I have filed a complaint on this matter with the CFPB previously.
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of a collection account reported on my credit report. I disputed the fact that a collection account from XXXX that has been reported on my credit report is incorrect and false. I had no contractual arrangement with XXXX XXXX XXXX or I never XXXX XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX there for which I would owe any XXXX fees. The credit bureau is stating that they conducted there investigation and that the matter is been reported accurately and I dispute such a statement. 
Under the Fair Credit Reporting Act I have the right to request the method of verification used to determine that the collection account from XXXX that has been reported on my credit report is being reported accurately. I would like to know who you spoke with and the documents that you got that proved that such an item was reported accurately. Under the Fair Credit Reporting Act you have 15 days to present me with such information. Failure to provide me with such information within 15 days of this request being made then the credit bureau has to delete such an information from my credit report. A failure to provide me with such information and refusal to delete such false information from my credit report would be a violation of my rights under the Fair Credit Reporting Act for which I can sue this entity and claim for damages in a court of law.
Product: Credit reporting or other personal consumer reports

XXXX is not my adress & I would like it removed immediately
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 month is 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 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 reporting, credit repair services, or other personal consumer reports

This Los an advisory that this account by the name of designed receivables has been knowingly and wrongfully reporting onto my credit report. I have sent this agency disputes which I will attach copies of here and they have been reading them and willfully choosing not to reply, this is grounds for removal and I will attach green return label for proof they chose to ignore me rather than to apply accordingly to my dispute letting them know they are illegally and wrongfully reporting to my consumer report. I AM ALSO REQUESTING PROPER AND COMPETENT VALIDATION OF THIS DEBT AND HIPPA AUTHORIZATION, A BREAKDOWN OF FEES INCLUDING ANY ALL COLLECTION COSTS AND MEDICAL CHARGES, A COPY MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY PRIVATE MEDICAL INFORMATION TO THEM, AND TO STOP ALL CREDIT BUREAU REPORTING UNTIL THIS DEBT HAS BEEN PROPERLY AND COMPETENTLY VALIDATED NOT VERIFIED BY ADDRESS THAT I HAD TO PROVIDE TO THEM CAUSE WHEN I CALLED THEY DIDNT EVEN HAVE MY ADDRESS ON FILE ( recorded )
Product: Money transfer, virtual currency, or money service

My rent payment didnt go through in time resulting in late penalty payments
Product: Checking or savings account

Write a check for {$1900.00} on XX/XX/XXXX, called Key Bank to put stop payment on check, fee of {$34.00} was debited out of said account for service. On XX/XX/XXXX, the check was cashed out of my account. 
Key bank is refusing to immediately put the money back in my account after they see that they are in error.
Product: Checking or savings account

Capital has made claims to closed my bank account but have yet to provide me the remaining balance of my funds of {$18000.00} capital one has only provided me a check {$1300.00} while my remaining balance of fund is a receiving interest payment I would urgently like to receive my funds and continue my personal banking with another financial institution
Product: Credit reporting or other personal consumer reports

XXXX XXXX submitted a fraudulent response to CFPB on a complaint that I submitted in XX/XX/scrub> 2025. Clearly, the representative at the XXXX XXXX XXXX XXXX did not review the full complaint or see the documentation that was attached. In fact, XXXX has continued to have a late payment comment placed on my credit report. I spoke with the woman who responded to the most recent CF0B complaint that I submitted on XX/XX/year>2025 ansld she is clearly aware she submitted a false statement to CFPB and that there is correction that is needed on my credit reports. This is now the fourth complaint that I am submitting against XXXX. I am demanding that you all remove the late comment. As I have continued to furnish proof that it is still existing on my credit reports if this is not done bye. XX/XX/year>2025, I will be filing a civil complaint and seeking punitive damages. As you all have already admitted that the information should not be there. Yet you all have taken no action to remove the comment after nearly 3 years. This is unacceptable. XXXX has made no effort to contact me or genuinely resolve the matter.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence that I provided causing ongoing harm to my credit standing. I am requesting immediate action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Employer - XXXX XXXX Employer - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX - XXXX XXXX below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently refinanced my mortgage with XXXX XXXX XXXX and that decision has ruined my credit. My mortgage was refinanced in XX/XX/2018 and Homebridge reassigned the mortgage to XXXX. My mortgage shows on my credit report as paid off. The new loan does not appear. This is the only installment loan on my report, I paid off both of my car loans in XXXX of the same year. Therefore my credit mix is skewed and my points have dropped from XXXX to now XXXX. 
I have called both companies and requested that they report this loan and each just refers me to the other. No one cares about the impact this is having on my credit. 
At this point most of my credit lines have been reduced and other cards have been cancelled by my lenders. I am a co-signer for my elderly mothers apartment. She is entering into a new lease and I can not co-sign because my credit has been ruined by this company. They have such little regard for customers. 
I have never missed a payment in my life, have never filed for bankruptcy, no public collections. And here it is that my credit is being ruined because a loan that I have been paying on time for the last eight years is simply not being reported. 

None of these companies are doing anything about it despite contacting them numerous times. 

My hope was only to reduce my mortgage payments on my loan but this has turned into such a nightmare.