23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account has been sent to an outside agency as was told to me by the Rep. But they would not allow for call verification from XXXX. 

The account is currently with XXXX XXXX Credit Bureau XXXX
Product: Checking or savings account

XX/XX/2022 Tried to deposit a check for XXXX. Used mobile deposit feature. Of course it didnt work. App kept saying error after error after error. Contacted regions and they cant tell me why. I told them I used several different options they have available and still didnt work. Said I would have to take it in to the bank. I told them it was a payroll check from my retirement systems of Alabama. Its a monthly direct deposit same account and same amount.
Product: Debt collection

This account XXXX has shown up on my credit report after no response to my request for more information on the validity of this debt amount, date of original delinquency, or any information indicating that this is mine.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I called transunion to get some inaccurate information deleted off my credit report and she told me she couldn't update my address because my address was general delivery. I havent had any other issues but with them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have been a victim of identity theft, and the account in question was opened without my knowledge or consent. Below are the details of the fraudulent account I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TD/TARGET is attempting to collect on a debt that I do not owe. I was never aware that I had this debt. I did not receive any phone calls, or anything in the mail about the debt. I notice this debt recently when I pulled my credit. I immediately took the initiative to call & & pay the debt. I am demanding that they stop reporting this debt on my credit file.I do not owe the debt, and they are also in violation of my 30 day right to dispute, per the FCRA.
Product: Debt collection

On XXXX/XXXX/XXXX I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company equifax removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.
Product: Money transfer, virtual currency, or money service

I registered myself few days back with PayPal and received my first payment today for the freelance consulting services provided by me to a XXXX based client. The moment the invoice was paid by the client, the amount went into hold and there was a temporary account limitation imposed which I tried to resolve by submitting the asked documents but it went into permanent limitation. My email registered with PayPal is XXXX. 
I have checked the user agreement and could not find anything that could make my account limited. I have complied with all the terms and conditions.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was both unfair and misleading, failing to comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have resulted in significant inconvenience and financial loss, and I am seeking appropriate remedies for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy and was awarded a discharge in XX/XX/2016 and it says discharge was XX/XX/XXXX I called the office and says they dont speak to consumer companies so how did they verify wrong information. I ask to have the contact person information and never got answer just court general phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a FEDERALY PROTECTED CONSUMER XXXX XXXX XXXX ACCT # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. These accounts have billing errors. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request XXXX XXXX XXXX provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by AGREEMENT, XXXX XXXX XXXX can not lawfully furnish this inaccurate negative information to the credit reporting agencies. The United States is bankrupt. If these alleged debts are valid, what authority XXXX XXXX XXXX do you have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an EXTENSION OF CREDIT, that would make the negative information provision in any agreement between us VOID and UNENFORCEABLE. ANSWER THESE IMPORTANT QUESTIONS XXXX XXXX XXXX. Do these accounts include a finance charge? If so, does the finance charge include a premium that protects the creditor in case of default? Has any insurance been filed on these accounts? If a 1099c or any insurance has been filed on this account, you have NO RIGHT to continue furnishing this inaccurate information to coerce repayment of this extension of credit. The continued reporting of this inaccurate information would constitute a breach of fiduciary duty. Since there is no law under the Fair Credit Reporting Act requiring XXXX XXXX XXXX to report negative information to a consumer reporting agency, XXXX XXXX XXXX maybe knowingly reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act. XXXX XXXX XXXX 'S policy does not supersede Federal Law. I am demanding this charge off be UPDATED to PAID AS AGREED with a {$0.00} balance and a DELETION of all negative information be submitted to the credit reporting agencies immediately to prevent my consumer credit reputation from receiving further harm and stopping me from extending credit in commerce which is my FEDERAL RIGHT
Product: Mortgage

The loan servicer NewRez XXXX Shellpoint did not credit my account the payments to make it current. The payments were sent from XXXX and we have clear records it was delivered to the server. Payment was sent XX/XX/year> but they filed a motion and went ahead with attempting to foreclose anyways. They filed XX/XX/year> even though there was adequate time to have the funds credited which would make the loan current. This is an abuse of my rights that they didnt credit my account and chose to litigate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I went to the TransUnion website and got my FREE credit report. They asked for my credit card, but there was no information regarding what, when, and how my card will be charged. I simply assumed this was for security reasons. I checked my credit card today ( XX/XX/19 ) and saw a {$25.00} charge from TransUnion. I logged into my TransUnion account and noticed the billing was for a " membership fee '', which was unbeknownst to me. I called the company and explained there was absolutely no language on their website that told me I was going to be charged or for how much. They would offer me no explanation and no refund. I then went to look at reviews for this website and everyone had the same experience - secretive, shady, and no explanation that they were going to be charged. This company / website really needs to be investigated. I will never use them again.
Product: Debt collection

They call my sisters and parents repeatedly. They leave my personal information on their voicemails. I consulted with a lawyer they said its scam calls and to contact the states attorney general
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate and unverifiable accounts unresolved on my credit report. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for issues such as failing to forward consumer-provided evidence to furnisher and failing to adequately notify consumers of dispute outcome. These failures align with my experience with Experian. Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian inaction violates federal law and rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several.times to dispute my XXXX, Transunion and XXXX  credit reports because they have incorrect information on my credit report but I am unable to dispute because when I go to Transunion website, it doesn't allow me to dispute because another active dispute is in process. 

XXXX  does not allow me to dispute the same account because I had dispute it 60 days ago, however information has changed. 

XXXX  does not allow me to dispute. When I attempt to dispute and go on their website and log in, the site gives me a number to call. When I call that number no one answers. I stay on hold for as almost an hour and no one come to the phone. 

My account showing as XXXX XXXX XXXX has been paid in full and it is not reflecting this on all credit reports. I filed a previous complaint with CFPB last week and I received an email that your organization could not send the information to the company or resolve it. Why not, doesnt Consumer Financial Protection Bureau monitor these credit agencies. They are housing incorrect information on my report and th his needs to be fixed asap.
Product: Mortgage

XX/XX/XXXX First Key Mortgage purchased my loan from XXXX and has it serviced with sXXXX XXXX XXXX ( XXXX ) After years of numerous complaints regarding XXXX overcharging me thousands for taxes and insurance : I tracked down XXXX Key mortgage and notified them of the clerical errors and the hardship it has cost me as i am a XXXX veteran. Another month has gone with no word from them either! 

XXXX & XXXX FOR XXXX TOTALED {$3300.00} NOT {$4800.00} XXXX & XXXX FOR XXXX TOTALED {$3200.00} NOT {$4100.00} ESCROW ANALYSIS FOR XXXX & XXXX ARE WRONG BY THOUSANDS MAKING MY MONTHLY PAYMENT MORE THEN IT SHOULD BE!!!! 
my {$890.00} mtg payment carried over from XXXX XX/XX/XXXX should NOT change until the new XXXX policy took effect XX/XX/XXXX. What is a bankruptcy payment and all fees? Escrow should have {$1400.00} carried over from chase where did it go? 
Enclosed is the Escrow disbursement from XXXX CLEARLY THE NUMBERS HAVE NOT BEEN UPDATED TO REFLECT MY POLICIES... WHY? 
My insurance company XXXX contacted XXXX XX/XX/XXXX on my behalf to request the analysis be corrected for XXXX & XXXX, and UPDATE new policy for XXXX date and price ... XXXX  REFUESED TO PROVIDE ANY INFORMATION!!! WHY? 

XXXX XXXX servicing needs to ADMIT THE CLERICAL ERROR AND FIX IT!!!!! 
apply all escrow payments at the time they were made NOT 6 MONTHS LATER. REMOVE ALL FEES AND CORRECT THEIR CLERICAL ERROR BEGINING IN XXXX AND RERUN THE ESCROW FROM XX/XX/XXXX WITH CORRECT NUMBERS TO DETERMINE A CORRECT PAYMENT. IN XX/XX/XXXX XXXX THE ESCROW WITH CORRECT NUMBERS FROM POLICY AND ALL OVERPAYMENTS APPLIED TO MY PRINCIPAL BALANCE!! 

ENCLOSED IS XXXX XXXX AND ALL RELATED INSURANCE. PLEASE DONT LOOK AND CLOSE MY CASE I WANT ANSWERS AS TO TWHY THE REFUSE TO CORRECT. HOW IS THIS LEGAL????
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to busines s ( s ) co mplaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since  XXXX   2017  with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from  XXXX ,  XXXX , and Experian with no success. They have refused to update information. Accounts to be removed :    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Bank account or service

I deposited {$15000.00} with Citibank for a new checking account. I was registered for a sign up bonus of {$400.00}. The only conditions were that I deposit {$15000.00} in the account within 30 days and that it stayed in the account for 30 days. After that, the account must remain active for 90 days to qualify for the bonus. They accidentally closed my account after I had had the original {$15000.00} deposit in my account for 40 days and are now telling me since I did n't keep my account open for 90 days that I do not qualify for the bonus. They have made no steps to rectify. I received a letter saying " I '' closed the account and therefore do not qualify. But I spoke with multiple associates over several hours and each one them confirmed that this account was closed by Citibank accidentally and they would try to research what happened. But their research came back with the excuse that " I '' closed the account, when they very clearly stated they had made a mistake by closing my account.
Product: Vehicle loan or lease

I called Danco Financial after pulling credit report at XXXX. I was given another number because the debt had been sold to call XXXX. When I spoke with representative she informed me that she didnt have any information on my loan. She the stated that she would call me back and never did.
Product: Debt collection

I used to have a roommate, an old lady, she didn't have a personal phone or email so she decided to open an account with this lender using my email, phone number and address ( she was a roommate ). The lady passed away last year and this creditor keeps trying to collect from me. I already requested multiple times to remove my information from this lady 's account and they refuse, they say I am liable for her bills. I am not a family member, have no contact with her family members and this creditor keeps sending me emails harassing and trying to collect from me. Is there anything that can be done to stop? They have been sarcastic, ignoring my requests, it's a very creepy situation.
Product: Credit card

I called Synchrony Bank on XX/XX/2024 to make a payment for my TJX Rewards Mastercard by calling the number on the back of the card XXXX ( XXXX ) XXXX and spoke to a representative that took my payment of {$200.00}. Before I was able to make payments using the automated system by inputting my card number, zip code, and last four of my social. Recently however I am no longer to pay unless I speak to a representative. After making my payment I then called their XXXX ( XXXX ) XXXX from their website and when I spoke I representative after giving her my full name, home address, date of birth, and last four of my ssn the representative told me that the information I provided does not match. I told this representative that the information I provided is the same info I have always used and I am the only authorized user for this card I asked who changed my account info without my permission and how can it could be possible that I made a payment with another representative the same day for {$200.00} and was able to find my TJX Mastercard account. I am very worried about my account and personal information being used incorrectly and have not been able to get any help from Synchrony Bank regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have invalid incorrect data on my credit report due to a CREDIT FILE MIX WITH A PERSON WITH A SIMILAR NAME. I have contacted Experian about this merging of accounts that don't belong to me and addresses that I have never lived at, received mail, or recognized newly appearing on my credit report overnight. I demand for this information to be immediately deleted : Fraudulent ACCOUNTS THAT DONT BELONG TO ME : - XXXX opened XX/XX/XXXX - XXXX XXXX XXXX opened XX/XX/XXXX - XXXX/ XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX FRAUDULENT ADDRESSES THAT I NEVER LIVED AT/ BELONGS TO ANOTHER PERSON - XXXX XXXX XXXX XXXX nc XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX - XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX tx XXXX THESE ADDRESSES ARE ATTACHED TO ACCOUNTS THAT DONT BELONG TO ME BUT A PERSON WITH A SIMILAR NAME DIFFERENT SOCIAL SECURITY NUMBER! PLEASE HELP ME GET REMOVED!
Product: Credit card

1. Got a email-only offer to apply BOA Alaska credit card, which is very fraudulent like a pre-approval offer 2. Applied this credit but got declined, which had a negative impact on my credit file.
Product: Credit card

I have been a cardholder of the Barclaycard for about two or three years I believe. I never missed a single payment with this card, and I never missed a payment with any of my credit cards since 2008. The bank abruptly and capriciously cut my credit limit, which changed my utilization ratio. There was no conversation, no alert, no details -- they just cut the limit. I tried to deal with the bank, expressing my extreme dissatisfaction. However, all I got were excuses and stories in my opinion. Eventually I did reach someone who was able to " appeal '' the downgrade. After extensively explaining my financial details they put me on hold and returned like a minute later to say they wo n't do anything. I also tried the " Office of the President, '' but that seemed to be a total waste of time also. I had a great experience with the Barclaycard and never missed a payment, I often made considerable payments on the card and would consider myself a great customer. The fact that the bank abruptly changed my credit limit is very concerning, and a law should be considered to keep them from acting this way because it can damage the credit score of a cardholder through no fault of their own. I would appreciate any assistance that the Bureau of Consumer Financial Protection can offer.
Product: Mortgage

I always paid my mortgage on time in full amount since I get mortgage XX/XX/XXXX with XXXX. In spring of XXXX I received a letter at the address of XXXX XXXX XXXX, XXXX from XXXX mention they are transferring the mortgage service to another company and more deails will follow. Then I never received any related notice since then. Because I use auto payment for my mortgage so I assume everything was fine. Plus both of my parents were sick and passed away in XXXX, I didnt have energy to monitor everything all the time. In XX/XX/XXXX, I just noticed my mortgage account couldnt be accessed from XXXX online portal, I called XXXX right away and was told the mortgage was transferred to Dovenmuehle, I called Dovenmuehle and was told my property is onhold to prepare for forclosure ( not yet ). I was shocked because Dovenmuehle never notified me in any way ( mail, email or phone ) regarding the transfer and payment due and I didnt know my auto payment was broke either. I called and emailed Dovenmuehle for many times, no response at all, customer service just said they could do nothing about it. I had to reach out XXXX for help. With XXXX help, finally Dovenmuehle sent me the reinstatement payment, I informed XXXX and Dovenmuehle that Im ready to pay whatever the owing amount right away upon I received the statement. It turned out XXXX still put my property under foreclouse when Im reviewing the received statement and ready to pay any time then. Being shocked and desperated is completely underestimate my situation. I paid off all the loan required by them at the end of XXXX. It turned out I just noticed recently my credit score dropped XXXX points!!!!!!! Because of this. In my whole life I have never delayed mortgage payment, this delayed payment in my credit history is because Dovenmuehle mailed the notice to the wrong place and they never emailed me. ( when I called their customer service, they even had no any my contact information in their system, unbelievable!!!!!! ). You can see all the delayed payment happened since Dovenmuehle took over the mortgage service. Except this incident, I never delayed any mortgage payment from any banks in my whole life. 

In the past few months, I called Dovenmuehle service for many times, most of them they just put through other team/department and nobody would solve any issue even just a small thing like updating SSN. Wehn I called Dovenmuehle for the first time regarding the mortage, they even didn't have any of my contact in their system except the loan. It took them a few months to just update my SSN in their system but they couldn't wait to put my property on foreclosure even though I aready agreed to pay right away. Their customer service asked me to email 3 of their email boxes ( XXXX, XXXX and XXXX XXXX XXXX  ), I did for a few times, nobody responded at all even though I put high importance sign. The terrible experiences can go on and on. I have emails to prove what I said.