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

On XX/XX/2020, I opened a checking account with US Bank online. I funded it with {$50.00} by debit card, and to reach the {$1500.00} minimum balance to avoid maintenance fees, I deposited a {$750.00} check on XX/XX/XXXX and a {$700.00} check on XX/XX/XXXX via mobile check deposit and drawn on another bank account of mine elsewhere. I had to do separate deposits as there was a {$750.00} daily check deposit limit. A few days later I received letters stating these checks would be held and not available for 7-10 business days, as I expected as it was a new account. Then on XX/XX/XXXX, I received a letter from the unnamed branch manager of the XXXX XXXX XXXX branch that my account was being closed due to suspicious and irregular activity. I was very surprised and confused, so I called the branch phone ( XXXX ) as the letter instructed, and could not reach anyone. I then did some internet research to find that XXXX XXXX was the manager of the branch and emailed her asking why my account was being closed. She called me a couple hours later and explained that if I read the account disclosures, I would know that the bank can close an account for any reason and that the reason was that most people don't make two mobile check deposits within a day of each other for about the same amount. I explained that the checks have already cleared my other bank ( XXXX, on XX/XX/XXXX and XXXX respectively ), and why the account needed to be closed since a hold is sufficient to ensure the checks are good. She insisted that it was suspicious and that if I wanted to come to the branch that she would help me read the disclosuresa sarcastic remark I did not find helpful. She said my employer direct deposit that was paid that morning would be returned to my employer ( which was incorrect ) and the balance would be mailed via check in 10 business days. I did receive my paycheck back from US Bank on XX/XX/XXXX ( 18 days after it was paid to my account ) via US Bank certified check by mail in the amount of {$620.00}. Since then, I have not received the remaining {$1500.00} of my balance, over a month after these deposits cleared. On XX/XX/XXXX, I emailed the XXXX as instructed by the check letter, along with supporting documentation, and demanded my remaining balance. I received no reply. On XX/XX/XXXX, I received a final account statement via mail showing a final withdrawal on XX/XX/XXXX of {$1500.00} with no description other than " 32/ [ my account # ] ''. I called the main customer support line at XXXX and spoke with a XXXX who could not provide any information on where my {$1500.00} was and what the withdrawal transaction was. She referred me to call XXXX where I could not reach anyone. For over a month, US Bank has frozen and closed my account and continues to withhold {$1500.00} of my money due to no fault or wrongdoing of my own. As a public accountant and ex-banker who has never once overdrawn an accountmuch less passed a fraudulent checkI am floored by the fraudulent ineptitude of this bank and of XXXX XXXX. Please help me recover my {$1500.00} from US Bank. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( s ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute 5. Signed contract or Documents with my signature If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage. 

Best Regards, XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

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/XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

For 2 months this company has been calling me, my ex husband, a friend, my mom, and my little brothers, They have threatened me and my family saying that I have commited fraud and that if I dont pay them {$1300.00} I can be sued and arrested. The amount that they are charging me is not the amount that I owe and they are telling me it's because there are fees now but dont go into detail. The last conversation I had with them was today at XXXX and the man that spoke to me said since this is not my priority to just deal with the legal matters and hung up on me. But before this conversation today he called my youngest brother and a friend of the family and scared them.
Product: Mortgage

We purchased a distressed mobile home park in 2018. We planned to purchase the mobile home park with a mortgage with an initial 2-year fixed term with the intention of improving the park and completing a cash-out refinance after the first two years. We discussed this plan with our lender First National Bank. The lender told us at the closing table that they were interested in doing the cash-out refinance after 2 years and said that there would be no prepayment penalty when we refinanced with them. We agreed and completed the sale. After improving the park we began the process of applying for the cash-out refinance. At that point, First National Bank refused to complete the cash-out refinance. We proceeded with another lender. When we received the payoff statement from First National Bank, there was an {$8000.00} prepayment penalty. They provided us with TRID disclosures stating that there would be no prepayment penalty. The only reason we proceeded with this lender is that they told us that they would refinance the park at the two-year mark with no prepayment penalty. They then refused to complete the refinance and then charged us a prepayment penalty. They are contractually entitled to do this, but this is not what we planned and agreed to at the closing table. We would have used another lender if First National Bank had told us that they would not perform the refinance and charge a prepayment penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently disputed this ( credit collection company XXXX ) which the company in itself if is violation because it is NOT licensed to collect debt in the state of Florida, also I have NEVER done business with this company, I have no KNOWLEDGE of the account or the amounts, account number consistently reporting to my credit report, it seems this company has stolen my information or has me confused with someone else! I have disputed this matter and it keeps coming back as accurate, but never any proof that I signed anything with this company proving I have debt with them or how it was verified, a bill isnt proof of accuracy nor stating the account as verified and updated shows proofI have reached out to the company and they have not provided proof of signature. MAXIMUM Accuracy has to be reported on a consumers credit report at all times and disputing violations!
Product: Credit card or prepaid card

I applied and was approved for a XXXX credit card a few weeks ago. They sent me a letter with my credit score within a few days. Still no card. It was supposed to take a week max. Whenever I call Im on hold for hours only for them to hang up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry XXXX XXXXXX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

After i put in a dispute with Credit Karma money who claimed that they were investigating my money that was stolen from my account after my account was hacked on XXXX. I waited a XXXX  and the fraud department did not keep me up to date with what was going on. Next thing i know I got an email from them saying " we have completed our research regarding your dispute and have determined that no error occured. Regulation E only covers unauthorized electronic tranactions. Since this is a charge you did authorize it is not considered to be fraudulent activity. Please be aware that you have the right to request copies of the documents that we used to make our determination. we apologize for any inconvenience this situation may have caused. Please feel free to contact our Customer service department at XXXX. They also after sending me this in an email they closed my money account which removed the trail of the fact that the person hacked my account, so when i log into credit karma my money account is no longer there and this was done without them getting my money back. I had called today and they are suppose to be doing another investigation which i have not gotten any emails or communication about. This seems like an inside job because everytime i called them in order for me to move further with them they required for me to send them a picture of the front and back on my drivers license and take a picture with me holding that which they said this is their way of verifying that they are indeed talking to the user on file. When i told them i dont feel comfortable doing this they did not seem to care and did not want to help me unless i do this through some link they sent me to upload my documents.
Product: Credit card or prepaid card

Today I received a follow up call to the complaint : XXXX The person identified herself as XXXX, employee # XXXX from the executive office. She stated that the purchase dispute was initiated however she wouldn't provide me with any case number or standard statement that the purchase will be put on hold pending investigation. When confronted by this message she informed me that I will be contacted by dispute dept in writing within unspecified period of time. When I confronted her that this way of dispute handling means that the dispute actually was not initiated she acknowledged that it is not her dept to start the process and as result I request to be put in touch with dispute dept immediately. Subsequently I was again put on the over 20 min hold without any dispute dept coming online.

Analysis : It is obvious that Capital One is refusing to make the dispute purchase process available to the card members despite two phone calls and over 45 min spent in doing just that. The CSR XXXX acknowledged the issue stating that it is beyond Capital One 's control. No it isn't as Capital One is a multi-billion corporations with enough resources to address it in both technology and manpower. It is a deliberate effort by Capital One to deny or at least delay the process thus the suggestion that the dispute to take place by letter and not on the phone. 
I expect CFPB to put sanctions on the bank as this deceptive way of doing business is simply unacceptable and defrauds consumers.

One question can be posed : how much time and how many attempts at purchase dispute are considered appropriate so the company fulfills its responsibility under the card members ' T & Cs?
Product: Consumer Loan

I was approved for a {$500.00} loan through Big Picture Loans. I was unaware of the 850 % interest rate that would result in a {$4000.00} worth of payments also they had starting auto debiting my checking account for {$200.00} bi weekly. I was not able to see the truth and lending disclosure until after the funds were delivered to my bank account, There is no billing statements or any mail being delivered to my address from this company, to even show what date your account is being debited they only send an email stating they took money from your account. I feel this Illegal.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A very serious error is that these accounts are not mine, can you please delete them?
Product: Credit reporting or other personal consumer reports

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

1. According to XXXX  by East West Bank, {$2700.00} was pulled from my XXXX account ( Checking : XXXX ) on XXXX XXXX from a company ID XXXX. 

2. I didn't authorize this ACH Pull or ACH Push.
Product: Debt collection

There is a debt from this company that does not belong to me. I sent a letter to the company letting them know it did not belong to me but I haven't heard anything back. I have never signed my name to anything for either of these companies. 
XXXX XXXXXXXX ALDOUS R ASSOCIATES PLLC XXXX XXXX XX/XX/year>
Product: Debt collection

ACCOUNT NUMBER : XXXX BALANCED : {$410.00} To Whom It May Concern : I am writing in reference to the collection account reported on my credit file associated with the account number mentioned above. This account is negatively impacting my credit profile, and I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) to request validation of this debt and to demand that you cease all communication with me regarding this matter. Pursuant to 15 U.S.C. 1692g, I request that you provide the following information to validate this debt : 1. The name and address of the original creditor.

2. A copy of the signed agreement or contract that allegedly obligates me to pay this debt.

3. A complete account history, including all charges, payments, and credits applied to the alleged debt.

4. Documentation showing that you have the legal right to collect on this debt.

Until this information is provided, I demand that this collection account be removed from my credit report as reporting inaccurate or unverifiable information violates 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ). Additionally, under 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding this matter. Any further attempts to contact me will be considered a violation of federal law.

I expect written confirmation that this collection account has been removed from my credit report and that you have ceased all collection efforts. 

Thank you for your prompt attention to this matter. 

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

Over the XXXX XXXX and reports of XXXX XXXX my those accounts are still active and showing false information which are already closed and never defaulted by me but showing payment in standing but the accounts are closed by the lender and also got the XXXX from the lenders when ever I tries to dispute the account through XXXX and XXXX they demand from me to subscribe the paid services for resolution and ruining my XXXX intentionally for making money and making me a defaulter in from of other lenders. I want a strict action against them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block, Incorporated ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically, cash app failed to take timely, and effective measures to prevent an address fraud on their prop form, leaving my account, vulnerable, and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with era resolution requirements under the electronic fund transfer act. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

A fake loan company scammed be out of XXXX I told my bank ( wells Fargo ) and they gave me temporary credit but since they can only see my transaction they took the credit back and no my account is negative XXXX. The company took photos and websites from a real loan company and said I would receive a loan but instead they took my money.
Product: Credit card

I have ask for my agreement and my written consent acct # XXXX and XXXX as a consumer I am OPTING OUT of any and all written, unwritten, verbal, and nonverbal agreements I may or may not have as of the day this dispute is received.

pursuant ; 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( XXXX ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
15 U.S. Code 6802 - Obligations with respect to disclosures ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 15 USC 1681n and 1681o ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 16 CFR 313.2