23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX for Failing to Complete Dispute Investigation Within XXXX Days I am writing to file a formal complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation of a credit report dispute. 

On XX/XX/year>, I submitted a dispute to XXXX concerning alleged debt. This dispute was submitted through Mail. Under the FCRA, XXXX is required to investigate and resolve disputes within XXXX  days of receipt. 

As of today, XX/XX/year>, more than XXXX days have passed since I initiated the dispute, and I have not received any communication from XXXX regarding the status or resolution of my dispute. This delay constitutes a violation of the FCRA and has caused me significant distress and inconvenience, as the unresolved issue continues to negatively impact my creditworthiness. 

I have attempted to contact XXXX multiple times to inquire about the status of my dispute, but have received no satisfactory response. Given their failure to comply with the statutory requirements and their lack of communication, I am seeking your assistance in addressing this matter. 

I request that the Consumer Financial Protection Bureau take appropriate action to ensure XXXX fulfills its legal obligations and completes the investigation of my dispute promptly. Additionally, I request that measures be taken to prevent such delays in the future, ensuring that other consumers do not experience similar issues. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Checking or savings account

XX/XX/XXXX I ( XXXX ) received a transfer of {$3000.00} from a relative from California into my checking account. 

XX/XX/XXXX A Bank of America ( BoA ) rep called me and informed me that the {$3000.00} was drawn from an XXXX account, that I was not supposed to receive XXXX money and my account would be closed and I needed to go to the nearest branch to open a new account. I immediately went to the nearest BoA branch to open a new checking account. The banker assisted me to open a new checking account and transfer everything minus the {$3000.00} to the new account. I was told that the money would be returned to the XXXX office in XXXX and returned to the original sender. My old checking account was closed shortly after. 

XX/XX/XXXX Relative informed me that she have not heard anything or received anything from the fund and proceeded to call BoA to open a claim. Later, BoA informed her that the money was sent to me and I have already received it and there is nothing they can do. For now both of us was out {$3000.00}. 

XX/XX/XXXX I called BoA and inquire about the missing fund, labeled " ACCOUNT CLOSING TRANSACTION : - {$3000.00} ''. After being transferred to multiple departments and giving the runaround, I finally got a hold of a supervisor, who confirmed on call ( I have all audio recordings of the call ) that the account closing fund ( - {$3000.00} ) was currently in BoA internal back office and she would not give me any date or estimated date when the fund will be released. It's been XXXX months since I closed the account and I still have not received a check for the remaining fund. BoA offered no solution and according to them they can just keep the fund there indefinitely without a date of release. The supervisor advised the original sender to call BoA and " recall '' the transaction. 

XX/XX/XXXX Relative called BoA and tried to do a " recall '' but BoA once again told her there is no such thing as a " recall '' and that there is nothing they can do. I then proceed with a formal complaint with CFPB about BoA 's practice.
Product: Mortgage

I refinanced my home in XXXX of XXXX and Paid off XXXX in XXXX around the XXXX. 

At the time of payoff XXXX  collected my XXXX Property Taxes in the Payoff The title company also paid my XXXX property taxes at close and the title company 's payment for the XXXX property taxes was received first XXXX County. I became aware of this on our about XX/XX/XXXX, so I contacted XXXX County and XXXX XXXX on or about XX/XX/XXXX, they said they could not find the payment return and they would search for it, then I called again around XX/XX/XXXX and they could not give me much information. I called on XX/XX/XXXX and spoke to XXXX in the escalation department and I spoke to XXXX on XX/XX/XXXX in the escalation department. 

XXXX did say they are working on this but it could take 6 to 8 weeks to resolve this, this is a violation and by law they have 30 days to issue the escrow refund, they are approaching 90 days. XXXX also said he was aware this is illegal for them to hold my escrow refund for more than 30 days XXXX XXXX/PHH Mortgage Owes me {$2200.00} for an escrow refund. 

PHH Mortgage ServicesXXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and found numerous errors relating to XXXX  loan late payment history. The credit report agency has the responsibility to report accurate information. During the government shut down aka the PANDEMIC XXXX late payments and collection status was placed on each U.S DEPARTMENT OF EDUCATION LOAN ACCOUNTS ... AS THIS REPORTING NOT ONLY INACCURATE BUT ILLEGAL. XXXX  LOAN PAYMENTS WAS PLACED ON PAUSED DURING THE PANDEMIC XXXX  LOAN PAYMENTS RESUMED IN THE FALL OF XXXX. 
If you click on my XXXX  loan payment history it shows late payment and collection status was inaccurately reported during that period. 
I've contacted each credit bureau, filed multiple complain reports, and they neglected my concerns. I also sent certified letter to XXXX on XX/XX/XXXX. I was told they never received it, I will attached the certified receipt below. 
I also contacted the US DEPARTMENT OF EDUCATION and I was told they did not report any late payment on XXXX  loans during the PANDEMIC. 

XXXX XXXX TRANSUNION
Product: Credit card or prepaid card

Reopening case # XXXX because attempted at least once a day for the past 3 weeks, but was unable to contact XXXX XXXX at XXXX. It keeps promoting me the message of " You have reached a non-working number at Navy Federal Credit Union ''. Called the number on the back of the card but was unable to locate the person XXXX XXXX in any way, shape, or form.
Product: Credit card or prepaid card

I disputed a purchase on XX/XX/2023 for a XXXX charge that was not made by me for something called section XXXX pro. It was automatically credited back to me & my card was canceled. Today XX/XX/2023 I saw it was billed back into my account. I contacted chase and was told that my number, name & emailed matched. I have no email, phone call or contact with section XXXX pro. Chase is refusing to work with me to protect me from this fraudulent activity. I dont think its right for me to be forced to pay it.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. Please see attached file to this complaint for your review. 

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 TransUnion 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: Mortgage

Due to financial hardship ( loss of income due to job loss ), I requested from TD Bank a forbearance on my mortgage loan, which was I granted, but I never received written confirmation from the bank regarding the forbearance status, despite my multiple requests. I never knew if it was ever approved or for how long. Through several attempts to reach the correct person in their contact center, I was able to learn that my loan was in forbearance through XX/XX/XXXX. 

Upon exiting forbearance on XX/XX/XXXX, I requested a loan modification ( deferral ) and was informed by TD this will be handled promptly upon exiting forbearance. I resumed my normal monthly payments in XX/XX/XXXX, as instructed by the bank, and was by TD that a deferral would be applied promptly upon exiting forbearance. 
However, I noticed on my monthly statements that my loan balance was still overdue and that I have been incurring late charges. I immediately called the bank on XX/XX/XXXX and spoke with XXXX XXXX. What I found out was shocking. 

The loan modification ( deferral ) request was NEVER completed by TD as promptly promised. XXXX XXXX informed me TD had a XXXX SLA or turnaround time as required, which means the deferral should have been applied by XX/XX/XXXX. Major TD fail. 

XXXX XXXX also informed me the deferral request was submitted on XX/XX/XXXX to the banks Underwriting department by the TD Helps/Loss Mitigation department. XXXX XXXX declined to provide me the name of the Underwriter assigned to my loan, despite my request. 

I understand that on XX/XX/XXXX at XXXX PM XXXX XXXX XXXX ( TD agent ) sent an email to the Under Underwriting department requesting a status on the deferral. 
XXXX XXXX promised me an XXXX XXXX of her department will be calling me back within XXXX hours regarding this issue. As of the date of this complaint ( XX/XX/XXXX ) I have NEVER received a return call from an XXXX XXXX. Another TD fail. 

XXXX XXXX : {$9500.00}
Product: Credit card or prepaid card

I have a credit card with Bank of America that had auto pay set up to pay the monthly minimum due with payments directly from my Credit Union Checking Account. 

I was paying off the full balance in the month of XX/XX/XXXX so using the BofA website I changed the automatic payment to equal the account balance, which at that time was {$14000.00}. The confirmation stated the {$14000.00} payment was scheduled to be made on XX/XX/2019 from my checking account which was linked to the Credit Card bill pay account. 
On XX/XX/XXXX I noticed the automatic payment system withdrew {$290.00} from my checking account ( this must have been the original minimum payment ) so my balance was now {$14000.00}. On evening of XX/XX/XXXX I checked the system to see if the next scheduled payment had been adjusted to match the new balance due, but it was still showing {$14000.00}. The payment webpage had a " change payment amount '' link so I used that link to change the {$14000.00} payment authorization to {$14000.00}. The system acknowledgment indicate the change was accepted. 
Then on XX/XX/2019 I checked my Credit Union account and saw that BofA had in fact made a withdrawal in the amount of {$14000.00} and a second withdrawal of {$14000.00} for a total of {$29000.00} which overpaid themselves by {$14000.00}. I did not authorize payments of {$29000.00} and their system did not indicate it was going to withdraw that amount either. I contacted BofA on XX/XX/2019 to inform them of their error and requested they return the {$14000.00} overpayment to my Credit Union Checking account. They apologized for what happened but could not explain what happened. They said they would reverse the charge but it would take 2-5 business days for the money to be returned my account. The 2-5 days time has elapsed and I still have not had my money returned. In the meantime I do not have access to my money. This should not have happened, $ XXXX is a lot of money for them to have taken without authorization. I need the money returned ASAP and since it has taken more than a week I also think they should owe some sort of penalty, XXXX knows they would charge me a lot if it was me that had made a payment mistake. What are my options for recourse?
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I attempted to fund my coinbase account with my XXXX brokerage account. By XX/XX/2021 I was informed that the {$1000.00} was backed out. At this point I attempted to correct the deficit by funding with my bank account then my debit card of which both were frozen. I reached out to the customer support and they responded with a variation of pay your debt or we will have to pay it by liquidating other assets in your account. Now that my account is still frozen I am unable to fund the account and they still plan to charge me for their service charge. I believe in this situation if their company knew that accepting XXXX from XXXX was not a viable provider then they should take a service charge. They did roughly {$20.00}. It is a small sum, but amplified over how many transactions they convert daily applied to even a minimal error and you can imagine the compound effect could be absolutely massive. I want refund and I want them to correct this for future clients of theirs if they continue to conduct business.
Product: Credit reporting or other personal consumer reports

I recently noticed inaccuracies and issues on my credit report that violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. Specifically, my credit report reflects errors in personal information, accounts, collections, and unauthorized inquiries, which I am challenging. 

The incorrect names, XXXX XXXX and XXXX XXXX, are inaccurately associated with my profile. Additionally, the XXXX XXXX account ( XXXX ) and the collections accounts with XXXX ( XXXX ) and XXXX XXXX ( XXXX ) are listed incorrectly or without proper verification. Furthermore, unauthorized or unverified hard inquiries from XXXX XXXX ( XXXX ), XXXX XXXX XXXXXXXX ( XXXX ), and XXXXXXXX XXXX ( XXXX ) appear on my report without any documented permissible purpose, which is a violation under the FCRA ( 15 U.S.C. 1681b ).

Under the FCRA, credit reporting agencies and data furnishers are required to ensure that all information is accurate and verifiable ( 15 U.S.C. 1681e ). I formally requested an investigation into these inaccuracies, as required under 15 U.S.C. 1681i, and expect these matters to be addressed promptly. Any unverifiable or inaccurate information must be corrected or removed from my credit report.

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) ensures that any debt reported must be validated upon my request ( 15 U.S.C. 1692g ). Since I have disputed the collections accounts, I am entitled to proper documentation to substantiate their validity.

This issue is significant because it affects my creditworthiness and financial standing. I am awaiting a complete investigation, correction of errors, removal of unauthorized inquiries, and an updated credit report reflecting the necessary changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes to the credit bureaus about an account that is older than seven years. I clear understand the rules that the statue of limitation begin since the last day of payment or activity, so the account in question is XXXX XXXX knowing that this item is from XX/XX/2010, so I submitted the disputes but the credit bureaus XXXX, XXXX and Experian did not delete the account.
Product: Credit card or prepaid card

I have been unable to open an account with XXXX XXXX or Synchrony Bank due to having my information stolen along with identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, Trident Asset Management, and XXXX XXXX XXXX. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is Trident Asset Management Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX  XXXX  XXXX  


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
MY PHONE NUMBER IS

XXXX XXXX XXXX  
MY EMAIL ADDRESS IS

XXXXXXXX  

MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$2300.00XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$670.00}
Product: Debt collection

I noticed several unauthorized accounts on my credit report, and I ask that these fraudulent entries be removed and blocked as soon as possible.
Product: Money transfer, virtual currency, or money service

I ordered some dresses from XXXX through PayPal. I received only 3 of the 4 dresses that I paid for and they are not made of material, but some kind of paper. PayPal will not return my money. XXXX is a complete scam and PayPal knows it. PayPal is helping XXXX perpetrate a fraud on people. There are hundreds of victims.
Product: Payday loan

I applied for a {$1000.00} loan and was aware of the {$350.00} finance charge. I was not aware of 900 % interest. I also was not given the truth in lending disclosure until after my loan was approved.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and I came to an agreement to settle my credit card account that was charged off on XX/XX/2021 they stated they would report this account as settled for less than the full amount once I made 3 consecutive payments of {$260.00} on XX/XX/2021, XX/XX/2021 and XX/XX/2021 I paid all 3 on time, and the on time payments reflect on my credit report. Yet XXXX continues to report it as a charge off with a balance 3 years later which affects my utilization and efforts to rebuild my credit. I have tried disputing this account numerous times but XXXX continues to state that the balance is correct to the credit bureaus. Additionally XXXX did not send me a 1099 C form so I was unable to file my taxes correctly for that year.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns and dissatisfaction with Cash Apps handling of disputes, particularly in light of the recent class action lawsuit highlighting serious issues with the platforms security and consumer protection policies. 

As a regular Cash App user, I have encountered multiple instances of fraudulent or unauthorized transactions. Despite promptly reporting these issues to both Cash App and my financial institution, their responses were inadequate. They failed to conduct a thorough investigation into my claims, instead stating that recovering lost funds was impossible and that tracking these transactions was unfeasible. This lack of accountability has left me without recourse and has severely undermined my trust in Cash App as a secure financial platform. 

The allegations in the class action lawsuit suggest systemic failures in Cash Apps operations, including a troubling pattern of negligence in addressing fraud and unauthorized transactions. It appears that Cash App has allowed repeat offenders to exploit its platform without implementing sufficient safeguards to prevent scams or reimburse victims. This failure to act responsibly has left countless consumers, including myself, vulnerable to financial harm. 

I believe Cash Apps lack of transparency, failure to address consumer complaints adequately, and inaction against known fraudulent activity are in violation of consumer protection laws. As a participant in the class action lawsuit, I urge the appropriate authorities to hold Cash App accountable and implement measures to ensure fair resolution practices and stronger safeguards against fraudulent activity. Additionally, I request appropriate compensation for the financial losses I have suffered as a result of Cash Apps negligence and lack of oversight.