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

I have 3 Cds with Synchrony Bank. The first reached maturity on XX/XX/year>, the other 2 on XX/XX/year>. On the XXXX I called to have the first account closed and the money transfered to my local bank ( XXXX XXXX  ). On the XXXX I had to call back to close the remaining XXXX and request they be transfered to the same XXXX account. At that time I noticed the first account had not yet been closed and asked why. After more than 30 minutes I was told they weren't sure why it hadn't been done but that it had been taken care of. On Monday the XXXX I received a call concerning the transfer of the 2 accounts that matured on the XXXX, at the same time I brought up that the first one that matured on the XXXX still had not been closed. After being placed on hold a few times and more less getting a bit of a run around I was told there was some sort of problem on their end with my XXXX account and was asked if I had another account at XXXX that could be used. I complied and provided the information on that account. I was told the matter was taken care of. As of today XX/XX/year> only one of the accounts shows closed, one of the ones that matured on the XXXX, the one that matured on the XXXX still hasn't closed and none of the money has yet to be transferred on any of the accounts.There is nothing about a pending transfer listed with the one account that has been closed. After another call I still haven't gotten anywhere. Very Very frustrated at this time.
Product: Debt collection

I got my house mortgage from Axos Bank, loan payment was {$2900.00}, the bank reached out to us on XX/XX/XXXX to inform us that we don't have insurance for the property, and they are going to purchase the insurance for us unless we prove we already have the insurance, which we responded at the same month with all documents to prove we already have all insurance required, and they responded to confirm that we are all good. However, the bank still increased our payment on XX/XX/XXXX and indicated that we don't have the insurance. On XXXX, we called the bank and indicated that they charged the wrong amount since we already have the insurance required. Even we know we are overcharged, we still made the payment to avoid any potential late fees, and the most strange thing is the adjusted our payment on XX/XX/XXXX then change it back again on XX/XX/XXXX and after then. At the same time, due to this issue, we requested the bank to run a diagnosis on our account, and all of a sudden they realized that they over charged us over the whole year, and sent us a {$2800.00} check on XX/XX/XXXX. However, they still charge us the same amount of mortgage payment monthly and indicate we don't have the insurance. At this point, I don't even know what's the actual amount of payment we suppose to make, and they don't even have a phone number for the right department to solve this issue, we know we are clearly over charged and we still have to make payment to avoid the potential late fees.
Product: Debt collection

I sent a notarized dispute letter to Transition. The notarization included my wet signature and a notarized stamp that proved the dispute documents were singed by me. Transition then sends me a letter indicating that they won't process my request because it " doesn't seem like the documents came straight from me ''. They also indicated that I am working with a third party credit repair company. Causing for the investigation to extend past the deadline of 30 days. I am not working with a third party, and I demand an answer within the 30 days of sending that letter. False statements are being reported on me in my credit report by this credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint along with a copy of an Identity Theft Report ( see attached ) on 2 different occasions and you have refused to remove or block the fraudulent information from my credit file. The items are XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. Per the Federal Credit Reporting Act 1681c2. Block of information resulting from identity theft ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. You are breaking Federal Law. This is my last attempt to rectify this issue and if not my next course of action is to file a lawsuit against Equifax for damages.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. My private information including d.o.b., SSN, & address amongst other things has been breached and sold on the darkweb several times over the last few years according to the credit reporting agencies. Now I found several accounts I have no knowledge of and attempted to get them removed by a dispute but all results were nil. They're the ones who told me my information was compromised and offered a settlement but when I try to explain I have no knowledge of these accounts they just say it checked out and your stuck. It's not fair or just, they know my credit information was sold because they're the ones who told me but because my name and information checks out it was me. This entire system is crazy! I have no knowledge of these accounts and don't even know where they originated from. I just hope someone can help me clear this up.
Product: Credit reporting or other personal consumer reports

filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
I want the CFPB to publish
Product: Credit reporting or other personal consumer reports

I received an alert that my credit report was accessed on XX/XX/2024, without my authorization by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to strongly correct the inaccurate account in my credit file, and I demand their immediate and unequivocal correction from my credit report. As you are well aware, under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. This inaccurate account is clearly inaccurate, and its presence is such an error on my file. Let me be perfectly clear : I have already reported this inaccurateness activity to the appropriate authorities and provided all necessary documentation. I have also requested that the creditors responsible for these inaccurate account investigate the matter and correct it from my credit file. The account should be corrected right away : XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$10000.00}.
Product: Mortgage

State Farm Bank is reporting a late payment on my credit. The problem is when paymets are made or due they can be seen online. The amount due and dates are not displayed and online statements are not available. I was told " that because my loan was considered a modified loan it is not treated the same as other loans and that access is not like their other loan. My compliant is that my credit shouldn't be impacted because of the problems and access in their internal systems.
Product: Money transfer, virtual currency, or money service

I am 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 App 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 ) a
nd Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # 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: Payday loan, title loan, personal loan, or advance loan

After looking at my credit report I noticed that I have been a victim of identity theft/ identity fraud. A personal loan of {$40000.00} was opened on XX/XX/XXXX in my name without my written consent. I have sent a certificate letter to this company with documents verifying my identity that was received on XX/XX/XXXX and have not gotten a response yet about my dispute or how the process of how the investigation works. My rights are being violated under the Fair Credit Reporting Act due to the fact that it has been past 30 days and I have had no response from this company as of yet. I am asking that this account be removed and deleted from my records immediately. Here is the article number and tracking number for the certificate letter I sent and all documents I sent with the letter Article # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Can you please help me with this unfortunate and time consuming matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX I mailed a dispute letter to COAF and XXXX advising that the pay status and remark section of my credit reports were incorrect. I received no response from COAF and XXXX advised that based on their " investigation '' the info was correct. I submitted a complaint with the XXXX  on XXXX trying to have the payment status and remarks corrected and received the response from COAF that I am in an active XXXX. My active BK was filed XX/XX/XXXX and never in question as I am the filer, just the statuses and remarks posted against my non included accounts. 

This car loan was refinanced with the sole purpose of NOT entering it into BK. There was a claim for payment submitted against my BK petition on XX/XX/XXXX by XXXX on behalf of COAF. As you will see in the uploaded docs a copy of the canceled payoff check that COAF cashed on XX/XX/XXXX from XXXX which is not apart of the XXXX XXXX XXXX Bankruptcy Court. 

You will also notice that on XXXX COAF mailed me a XXXX  doc. Also during this time I disputed the the payment status and remark sections of both XXXX and XXXX Credit Bureaus to no avail. 

Also after my XXXX  dispute on XXXX, XXXX on behalf of COAF filed an amendment to have their claim removed as the account had been PIF via XXXX for months. 

I recently emailed the CEO of COAF and received a letter advising that they are " researching '' my recent correspondence regarding my concerns.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Accounts : 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I lost my debit card XX/XX/21 and 16 transactions were withdrawn from my account within two days until Citibank finally froze the account and sent me an email XX/XX/21. I called as soon as I saw the email. {$2400.00} total. They say my pin was used and don't want to pay me back. Then they keep asking me for different things to do which take several weeks each like calling the police, getting a police report, calling different numbers, faxing the report, etc. It has been 3 months and still no results when doing everything they have asked me for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$23000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$11000.00} Account charged off. {$24000.00} written XXXX XXXX XXXX ( Bank ) XXXX XXXX These cases shouldnt be on my credit file or public record XXXX Case number ID Case Number : XXXX Charges Filed Date : XX/XX/XXXX Case Number : XXXX Charges Filed Date : XXXX XXXX, XXXX Disposition : XXXX XXXX XXXX XXXX XXXX XXXX Case Number : XXXX Charges Filed XXXX ID Case Number : XXXX Charges Filed Date : XXXX XXXX, XXXX Offense Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID Case Number : XXXX Charges Filed Date : XX/XX/XXXX Offense Code : XXXX 15 USC 1681 ( a ) 1 challenges the 30 day response time + 15 USC 1681i ( a ) 6 ( B ) 3 challenges investigation protocol # 15 USC 1681 ( a ) ( 5 ) B challenges reinsertion protocols These account shouldnt be on my credit or belong to me I need them removed inaccurate wrong dates and shouldnt not be seen on credit the accounts are not mine
Product: Debt collection

I have previously made a request for validation on XX/XX/2021 and CREDIT COLLECTION SERVICES lack of response does not comply with the disclosure requirements Pursuant to 15 USC 1692g ( b ). More than enough time has passed to allow CREDIT COLLECTION SERVICES to comply. However, CREDIT COLLECTION SERVICES has chosen not to meet the legal requirements of the law. It is manifest that CREDIT COLLECTION SERVICES has absolutely no claim against me and that they have no records or evidence to support any claims against me and its clear that CREDIT COLLECTION SERVICES havent provided any evidence to establish that I owe them any money. Therefore, CREDIT COLLECTION SERVICES failure to respond is counted as an admission that they are unable to support their claim of debt against me. 

CREDIT COLLECTION SERVICES violated my right to privacy as a consumer by contacting me via letter without my written permission to contact me in reference to any alleged debt obligation. Within this letter CREDIT COLLECTION SERVICES falsely accused me ; the consumer of owing an alleged debt amount. A debt collector can not state that a consumer owes any debt obligation.
Product: Money transfer, virtual currency, or money service

I am 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 App 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from TOTAL CARD INC. that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by TOTAL CARD INC. on XX/XX/2021 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter.

15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done TOTAL CARD INC. can not report late payments in accordance with regulations of the XXXX CFR 1026.13 ( d ) ( 3 ). If TOTAL CARD INC. reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

TOTAL CARD INC. as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by TOTAL CARD INC. will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for TOTAL CARD INC. for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
Product: Credit card or prepaid card

At month of XXXX ( or XXXX ) my chase bank offered me to upgrade my southwest credit card for the new upper card ... .and will be rewarded with XXXX rapid reward points to my southwest airline account with the condition of spending {$140.00} until XX/XX/21 ... .I accepted the offer and immediately use the card with a new hotel booking part of my trip to Florida ( XX/XX/21 ) and much more items into that card ... .its now more then 6-8 weeks that NO points were rewarded as that agreement ... each time I contacted Chase they are assuring me those points are into my account despite I am contacting XXXX XXXX that confirms NO points are in my account as well I can see that each day I try to check my rapid reward balance
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax CFPB Complaint Equifax has reported the below accounts to my consumer report. This is a violation of my rights pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I never gave Equifax any written instructions to do so. Equifax has also failed to exercise its grave responsibility to respect my right to privacy for its profit. The reporting of this information has ruined my representation as a consumer in commerce. It has made it difficult to purchase a home and receive above-par medical treatment as a living human being. 

In accordance with the Fair Credit Reporting act the below creditors/ collection violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement 15 U.S.C 1681 section 602 ( a ) ( 4 ) : States I have the right to privacy.

15 U.S.C 1681b Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX have submitted several requests to Experian on how they " verified '' my dispute with XXXXXXXX XXXX  XXXX. Each time I have asked for documents on " how '' did they verify the account in question and seeking validation not just a reply with account has been verified but no documents to show proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 paid note to XXXX XXXX and still showed late. XX/XX/2023 paid ally bank still showed late