23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX has not correctly credited my account for payments made to them. I contacted the collection agency. I uploaded the payment cashed proof to XXXX website and sent XXXX XXXX  the proof of cashed payment not credited to my account. they received and cashed payment back in 2017. The only problem from my fault was that a XXXX dollar payment was not cashed back then. I enclosed with proof to them another check and they cashed it. XXXX is the balance and this should not be on my credit report at all. They are robotically calling me through collection agency for a debt not owed to them. It cost me XXXX dollars extra through my bank account to obtain the proof of payment made to them. It is XXXX XXXX  that is at fault here not me.
Product: Checking or savings account

I used the Wells Fargo ATM ID XXXX on XX/XX/XXXX. I deposited cash by using the " tap '' feature and entering my PIN. Some of the cash was rejected, so I straightened it out and reattempted the deposit. Upon attempting a second time, the ATM prompted me to re-enter my PIN. The deposit was rejected again so I drove away. After I left, the next person at the ATM was able to withdraw {$1000.00} from my account without needing to re-verify the PIN. I disputed the transaction with Wells Fargo on the same day ( Claim # XXXX ). 
on XX/XX/XXXX, I received a letter in the mail explaining " Based on the information available to us, and because the transactions were made using your card and PIN, we found it was made by you or someone who had your permission. Please consider your claim closed. '' I called the Claims Assistance Center ( XXXX ) immediately and was told that they would send me documentation outlining how the information they used to come to this determination. I never received any further documentation. 
I went into the Wells Fargo Branch on XXXX XXXX XXXX XXXX, XXXX, UT on XX/XX/XXXX to speak with a Personal Banker about the issue. I requested that they review footage from the ATM in order to see that the withdrawal was not completed by me. On XX/XX/XXXX, the Wells Fargo resolution team contacted me inform me they are unable to review the footage, and that my claim should be considered closed at this time. They were unable to provide an explanation as to why the footage could not be reviewed. 
Over the course of my interactions with Wells Fargo, as of XX/XX/XXXX, I have not yet received the documentation outlining the basis for their determination to deny my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank was included in my bankruptcy and and the debt was XXXX transunion is still reporting the dept in my cred file
Product: Credit card or prepaid card

In XX/XX/XXXX, my account was the victim of {$2000.00} fraud. American Express acknowledged it was fraud and eventually refunded the full amount in XX/XX/XXXX. However, a " late payment '' still shows up on my credit report from XX/XX/XXXX for the initial fraud amount that I never should have owed. 
Also in XX/XX/XXXX, per a discussion I had with American Express customer service on XX/XX/XXXX, American Express experienced a system error that triggered a fraud credit reversal, resulting in a fresh balance on this account of {$69.00}. 
This account has been closed since XX/XX/XXXX. 
As we speak, this {$69.00} balance has accrued an additional {$30.00} interest and continues to damage my credit score, which has dropped over XXXX points since this fraud occurred almost 1 year ago. I have been on the phone for hours with customer service, multiple times a month, every month since XX/XX/XXXX, trying to resolve this issue once and for all. 
Each time, I'm told it's been escalated to their back office team who will investigate and get back to me once they've figured out the issue. I have never received a single call, email, or letter with updates on my case. This is an issue that has been ongoing since XX/XX/XXXX and needs to be resolved. It is completely an error of American Express and their customer service continuously passes me from one agent to another, promising investigations and updates without ever bearing responsibility or fixing the issue.
Product: Checking or savings account

I opened a up billing dispute with Bank of America on XX/XX/XXXX in the of {$390.00}, that check being received and cashed on XX/XX/XXXX, with Bank of America placing a stop payment on the check, due to a previous negative balance on business account ending in XXXX. Issuing out a new check with a offset remaining balance of {$310.00} check number ( XXXX ). Bank of America has stated the check was issued with a letter giving the reason for stop payment and along with a new cashier check to the address of XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. In which the check was never received by me ( XXXX XXXX XXXX ). 
After speaking to Bank of America they claim a cashier check was issued on XX/XX/XXXX check number XXXX in the amount of {$310.00}, which is inaccurate. I have escalated the issue with several Bank of America departments. Billing dispute, official items and risk closure, and fraud department, and none have been able to resolve the issue and reissue a new check for the balance of {$310.00}. 

After speaking with a Bank of America associate in the fraud department on XX/XX/XXXX, she recommended opening a fraud claim. After opening the Fraud claim and receiving a Fraud statement letter, to which was required to process the claim. The fraud statement was signed and notarized and faxed to Bank of America fraud department XXXX Several times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After speaking to a Bank of America associate on XX/XX/XXXX, the associate stated no documents were ever received, and the associate opened a escalation to retrieve the documents. On XX/XX/XXXX, a Bank of America associates stated claim was denied in XX/XX/XXXX, reason : fraud statement never received. I have also forward the fraud statement to the Bank of America associate handling the fraud claim : XXXX XXXX at XXXX and also the fraud department XXXX. 
All emails were provided to me by an fraud department associate
Product: Credit reporting

Not a duplicate Update-You are in violation of the FCRA in not deleting the late payments on XXXX account # XXXX. I have included this time proof, a corrected copy of my credit report from ( XXXX ) showing these late payments have been removed from their records. It is 9 months over due on your records. Please remove the late payments if you are still showing them on my account.
Product: Credit reporting or other personal consumer reports

I have contacted the companies and agencies about the inquiries on my credit report that I do not recognize but they refuse to remove them from my credit report. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. My personal information has been used to obtain goods and services. I contacted EQUIFAX and told them that this inquiries are fradulent and provided proof, even though they told me that this inquiries were verifed. Please dispute and remove this fradulent information from my credit 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
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 @ XXXX I called Experian and spoke with representative named XXXX XXXX I asked XXXX to please remove the dispute from my credit report and update credit report to reflect XXXX balance. XXXX refused to remove the dispute and clearly stated, " I will not remove the dispute form your account because this is not something I would do for you '' I asked to speak with a manager and XXXX would not transfer to a manager and stated " why do you want to transfer to a manager '' I told XXXX XXXX was recording the phone call and XXXX became upset and stated YOU CAN'T USE YOUR RECORDING IN COURT BECUASE YOU NEVER TOLD ME AT THE BEGINNING OF THE CALL THAT YOU WERE RECORDING OUR CALL. YOU CAN'T RECORD ME OR USE THIS CALL IN COURT '' I could not get my report fixed or updated because XXXX was rude, disrespectful and belligerent on the phone.
Product: Credit reporting or other personal consumer reports

I was a victim of a breach with my former employer XXXX XXXX and as well my mortgage lender XXXX XXXX XXXX Ive filed a report with the ftc and have explained to the companies that has been reporting negative marks on my account
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : 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 Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect.

Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time.

Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
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 ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
I want the CFPB to publish this
Product: Checking or savings account

On Wednesday XX/XX/2019, my Bank of America checkings account a was closed due to someone sending me a fake check. I didnt know it was fake and I deposited it to my bank. I tried to explain to Bank of America that I didnt know it was fake. I was looking for a babysitting job on XXXX and this lady messaged me telling me she wanted to hire me and I would need to deposit the check in and then I can deduct my paycheck and use the rest of the money for their new house. I would really like to get my checkings account back because now I cant open any checkings account at any bank because of this. Thank you so much!
Product: Debt collection

XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX ny XXXX had a man by the name of XXXX XXXX XXXX XXXX file # XXXX, call me about a check I had made to XXXX. I told him I could pay in a few weeks he told me NO that won ; t do and writing bad checks is against the law and I would be arrested. I said well arrest me then and hung up. I called him back paniced and said if I pay next thursday would that be ok he said yes and he would stop the sheriff from coming to my house. I am XXXX and told someone who cares for me about this and she said, what he did was not legal. He had left a message on my phone impersonating a lawyer saying XXXX had called his FIRM and retained him. I still have that tape. 

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

On XX/XX/XXXX, XXXX and XXXX of 2021 I contacted transunion to notify them that the social security number reporting on my credit report was incorrect/or an error but it has yet to updated
Product: Mortgage

My mortgage is in the COVID-19 assistance program. This includes the XXXX, XXXX, and XXXX payments plus some back home owners insurance monies. This money is paid to Carrington Mortgage by HUD, then I pay them back whenever my home is sold. My payments start again in XXXX. I was told not to make a payment on XXXX XXXX and I did not. But Carrington Mortgage debited my checking account on XXXXXXXX XXXX XXXX  in the amount of {$1400.00} which they should not have done. Because of that our car insurance, Medicare part C supplemental health insurance and other bills are not paid. When I did our on-line banking today right after lunch our checking account is- {$970.00} with some NSF charges XXXX I have faxed them info they needed on Monday, and e-mailed them more info on Wednesday to get that money put back in our account. That money still not there. My wife who is partially XXXX, and myself live on a fixed income consisting only of our SocialSecurity income and we are broke!!! And they are taking their good old time getting us our money back. WE NEED THAT MONEY NOW!! Please help us- Thank you, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made bya third party. I declare under penalty of perjury I am alleging that a person or company-without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXCOMENITYXXXX Account # XXXX XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Previous complaint XXXX was verified by mortgage company that my XXXX taxes were never paid. Mortgage company quickly paid XXXX taxes plus interest in penalty. However, they used my XXXX funds that have been in escrow monthly to set aside for XXXX payment. What happened to all the funds set aside at closing in XX/XX/XXXX when I bought the property. Those funds on the closing statement were to pay XX/XX/XXXX taxes - not the escrow funds for XXXX taxes! Now I am almost XXXX short. The mortgage company needs to account for XXXX tax funds set aside on closing statement attached.
Product: Mortgage

Early  XXXX   XXXX ,  2016, I rec eived a letter from my mortgage company, Everbank, stating that our condominium association 's flood insurance was deficient and that I needed to increase it by {$28000.00} in order to be in compliance. After a few hours worth of phone conversations with the bank later, I was able to find out that although FEMA only requires flood insurance coverage for 80 % of the valuation of the building, and even though my current coverage was/is at 100 % of the valuation that our current flood insurance company is placing on the building, {$860000.00}, they are demanding 100 % based on a higher valuation, {$980000.00}, from a different type of insurance ( i.e., hazard insurance ) that we currently own. On  X/X/2016   , I sent a letter  (  attached ) requesting from the mortgage company documentation ( statuary or contractual ) that justifies their demand but all I have received is documentation that states that per FEMA, we need to have flood insurance ( which, as stated earlier, we already do ... at 100 % coverage ) and some calculation worksheet ( neither addressed the request for justification in demanding a valuation different from the flood insurance carrier 's ). This was followed by a force-placement of flood insurance of their choosing covering the alleged gap.   In parallel to this, I have been trying to get a quote from various insurance companies but have not been able to.  One of t hose insurance companies is our current building flood insurance carrier. The challenge there has been that  our current carrier is requirin g justification for the increased valuation as well. As I stated earlier, I have requested this justification from the mo rtgage carrier but in lieu  of that, I have been force-placed a flood insurance of their choosing. On  X/XX/2016   , one day after receiving notice of the bank 's disappointing decision to force-place coverage above and beyond 100 % without even acknowledging my request for justification, I have followed up with another call to request the justification required by my flood insurance carrier. They have advised me to call back in 15 days with no promise that they will have the required documentation then.     This is a very difficult situation because : a ) I do n't see the justification for this increased coverage when the *flood* insurance company is actually valuing our home at the amount that we currently have 100 % coverage.    b ) Said ju stification is actually required by our flood insurance company to even provide a quote much less coverage for the alleged deficiency.   c ) I live on the   XXXX   floor of a  XXXX  -story bui lding. Even if the flood waters reached the top of my building, the 80 % that FEMA requires would more that suffice for replacement costs. However, we are above and beyond that at 100 % of the current valuation. But the mortgage company is not satisfied with that and have effectively put a very tough, unexpected ( at the time of loan-signing ) financial burden on me.
Product: Student loan

I've requested a student loan refund of over {$2000.00} back in XXXX. It's now XXXX. I still haven't received my refund in the mail. They've supposedly sent a check in the mail to my address and I never received it. 

Earlier in XXXX, I sent a complaint ( ID : XXXX ) on the CFPB and they said they would do a research request to figure out what happened and found that the check hadn't been cashed out. So they said they would send in a new check to my address. 

I STILL HAVE NOT RECEIEVD THE CHECK. They said they'd do a new request for a research, but at this point I don't believe them. They don't ever contact me with any status updates and I always have to call to check what's going on.
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One Bank, for intentionally adding false status date information to my credit files, thereby trying to further ruin my credit rating by re-aging a debt. 

I have attached a copy of my credit, showing what Capital One is listing on my credit files. They are claiming that I had a credit card account that they charged off, and closed in XXXX of XXXX. 

The balance, and date information, being provided in the timeline is inaccurate as well, I have had no dealings with Capital One Bank since in XXXX. 

Capital One wants this account to look as though it is real recent. I dont consider Capital One Bank to be reputable, and I want them to cease and desist from contacting me. 

And if they have passed this false information off to any other company, they need to get that dealt with as well, its unfair to have them and another agency dinging my credit files for the same inaccurate information. 

I want the CFPB fully involved in my complaint, and any communication, Capital One can contact the CFPB, and the CFPB, can contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit-builder account called self-builder it was paid on time and paid off. i closed it in XXXX, but for some reason, TransUnion is reporting it as adverse account which causes my score to drop. i call TransUnion to find out what's going on and the customer service woman I talked to couldn't give mean answer so I called self-builder and stated that my account is closed and paid and full. i always have problems with the way these credit bureaus are reporting inaccurate information 's which make it hard for me to buy a house, car or anything and seem like when i call the customer service reps are very incompetent and give me incorrect information.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking Debt Final Rule1022.142 ( b ) ( 4 ) -5 -- 1022.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only two are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).