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

I had deposited {$8700.00} cash into an account at the Bank of America ( boa ). The account # is : XXXX in NY for an XXXX XXXX XXXX. But when I got back to my house and went on the computer. I found out that I sent it to the wrong person 's account. It should have been sent to XXXX XXXX. Account # : XXXX.in CA. All I want is to get my cash of {$8700.00} back to me.
I 'm sure I 'm not the only one that has done this before. I am sorry for creating the problem but there should be a way to correct this mess.
I hope you might be able to have the money sent back to me, freeze the account or put a HOLD ON it. Until this gets settled. I have tried several times to get in touch with XXXX XXXX. No answer nor any leaving of a message. His phone # : XXXX.
I would really appreciate any assistance you can give me. My Home # : XXXX
SincerelyXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 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 purpose.
Product: Credit card

I attempted to use my American Express card on XX/XX/XXXX. The attempted charge was declined by AMEX. I called AMEX to check the status of the card. AMEX stated the account was closed because AMEX received a letter stating the account was created fraudulently and the card holder wanted the account closed. Without notice, explanation or permission, AMEX closed my account. 

The account is in good standing and payments are made timely. I have had the account since XX/XX/XXXX. 

I did not ( nor did anyone I know ) send a letter to AMEX telling them to close the account. AMEX is aware of my concerns and suggested that I file a police report. 

I suspect that the letter ( which AMEX would not release ) contained enough sensitive information for AMEX to act and close the account. Which means the party that filed the letter probably has my DOB, SSN, address, account numbers and other sensitive information.
Product: Credit card or prepaid card

This is the letter I sent to Syncrony bankXXXX My name is ... .... and I need to bring up to your attention a consumer issue that I struggle with. 
In XX/XX/XXXX my ex-husband ... ... ... ... ... bought a XXXX XXXX XXXX  and I ( ... ... ... ... ... ) had to co-sign the contract ; he used to pay the monthly bills in time ; I never took care of it, never used the credit card ; Last year on XX/XX/XXXX we got divorced and the Final Judgement of Divorce stipulates that he is responsible for monthly payments on XXXX XXXX/Syncrony bank credit till is paid off. With that occasion my last name has been changed to ... ; He continued to pay it monthly, until on XX/XX/XXXX when he passed away ; On XX/XX/XXXX the attorney of estate contacted XXXX  XXXX/Syncron bank to notify them about .... ; later on, the attorney of estate informed me that I have to contact XXXX XXXX/Syncrony bank ; On XX/XX/XXXX, I called XXXX XXXXSyncrony bank and explained my situation the divorce agreement, the fact that I live in a different place, I cant afford to pay anything ( I barely pay my rent ), the bed remained in the house where he lived, I dont use it etc ; they said that Im responsible for the balance of the contract On XX/XX/XXXX, I called again Syncrony bank and I was informed that my name has been removed from the contract and should I not be worry about it ; all conversations are recorded so, it must have been a prove of what the representative told me ; After a while, couple weeks, I started to receive alerts thru Credit wise, saying that Im in default with XXXX  XXXX/Syncrony bank payments ; at the end, my credit score dropped off from XXXX to XXXX ; Thats being said I ask for your help - Im not able to pay any money towards the bed, my monthly income is {$2300.00}, I will have hard time to rebuild my credit, because of this huge burden. Also, I have to help my daughter who is in college in ... ... and to cover our monthly expenses. 
I enclose a copy of Final Judgement of divorce and a copy of the invoice that I received by mail on XX/XX/XXXX. 
Thank you so much for your consideration, Best regards, ... ... 

The amount credited in XXXX, XXXX by Syncrony bank was {$8000.00}. On XX/XX/XXXX the amount due was {$2200.00} ; now the amount is {$2300.00} including late fees and interest. 
Thank you for your consideration! 

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

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX  XXXX, FL XXXX, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$7600.00}, XXXX  XXXX  XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$170.00}, XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$700.00}, XXXX XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$400.00}, XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$780.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Checking or savings account

My name is XXXX XXXX. In 2021 I opened a checking account with TD bank and I was told If I opened an account and have of deposit of {$2400.00} and have my salary be deposited via direct deposit the bank would give me {$300.00}. In addition if I recommend friends to open an account and if they do I would get $ XXXX {$100.00}. Three of my friends opened an account. Sadly, TD bank didnt keep their promises and never gave me what they promised. I spoke to the banker and manager there, but no one helped me. I would appreciate if the CFPB can help me get what I was promised. Thank you.
Product: Student loan

I've recently reapplied for an XXXX XXXX XXXX plan for my student loans. The application is still pending. My provider, Navient, continues to call me multiple times a day and after hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken action since 2017, when the total loss happened. The gap insurance was to pay the entire note, which it did. I was unaware of the last payment that was due on my end and has since paid the balance. I have asked for an update or for the reporting to be deleted. Thank you
Product: Money transfer, virtual currency, or money service

It happened a couple years ago before the disclosures and warnings were put into place. Tried to get a refund and couldnt. I want to express my concerns regarding Zelle 's 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 unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers 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 consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXwhich is attached, he following items do not belong to me and is a result of fraud that I did not authorize. 
XXXX XXXX XXXX XXXX Past Due Amount : {$1600.00} XXXX XXXX XXXX Past Due Amount : {$420.00} XXXX XXXX XXXX Past Due Amount : {$94.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX  and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute with transunion and was unsuccessful they did nothing
Product: Checking or savings account

This past week a check was returned to me by bank of america thennnnnnnnn they told me it was counterfeit and thennnnnnnn they told me they are reporting me so i can not get a bank account anywhereeeeeeeeeeee!!!!!!!!!!! I received a mystery shoppers check and did notttttttttttttttttttt use any money from it even tho bao sent me info that funds were available! I knew it was too good to be true!!!!!!!!!!! Anyway i have 3 head injuries and i send my XXXX govt treasury checks to my boyfriend in XXXX as i can not do math and i use a credit card that heeee pays every month-nowwwwwwwww i did notttttt receive my ssi check for may because bank of america closed my account without even asking me what happened and sent a letter telling me i will be reported to others so i can not get an account elewhere either ( i thoughttttttttt one was innocent until proven guilty!!!!!!!! ) I received check via usps-i did not make the check!!!!!!! Anyyyyyyyy bank should work with theirs customers to stop crime-i did notttttttttttttt make this check i thought it was real obviously or i would not have signed it!!!!!!!!!!!!!!! i was going to be a nun and can not believe being treated like a criminal with noooooo questions asked!!!!!!!! Sinceerely me XXXX!
Product: Debt collection

I contacted Portfolio Recovery XXXX XXXX on XX/XX/2022. I spoke with their representative XXXX XXXX. We agreed to settle the following account : Original Creditor : XXXXXXXX XXXX XXXX 
Creditor to whom debt is owed : Portfolio Recovery XXXX XXXX Original Balance : {$16000.00} Settlement Agreed Payment : {$10000.00} XXXX paid the settlement agreed payment while on the phone with XXXX XXXX. It cleared my account on XX/XX/XXXX. I've attached the settlement letter and my bank transcript. 

This past week I got an alert from XXXX that I had a balance change on this account. It lists a partial payment of {$10000.00} and a balance owing of {$5800.00}. I've attached a copy of the report. I spoke with a representative of XXXX XXXX who did not give me a clear answer as to why it was reported this way. 

The payment I made on this account was a settlement ; not a partial payment. At a minimum this is an error. At the maximum this is unfair and deceptive and a possible violation of the Fair Credit Reporting Act. I ask the CFPB 's help in correcting this.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX
Product: Checking or savings account

My wife got paid on XX/XX/2019. On XX/XX/2019 I was checking my bank account to see if the funds were available to buy my medication and food. After checking, I saw that {$610.00} was taken from the account without my permission, so I called Navy Federal to see why. Navy Federal told me that because I was 35 days late on my Navy Federal credit card they withdrew all the money from my account. I tried to explain to them that was all the money I had to to buy food and medication for my XXXX kids until I receive my VA XXXX pay on XX/XX/2019. Navy Federal told me they would only try and submit a partial return of {$300.00} if I agree to some type of promise and set up auto pay for my auto loan. My auto loan was due on XX/XX/2019 in the amount of I think {$310.00}. I have 6 months left before my auto loan is paid in full. As of today, XX/XX/2019 I'm 1 day late. Navy Federal told me because I was 1 day late, my auto loan was now in collection. As of XXXX XX/XX/2019 I only have a refund of {$300.00} back to my account. I have a wife and XXXX kids that I have to buy food, gas and other things. Talking to Navy Federal was useless. Navy Federal basically was forcing me to set up auto pay before they even think about issuing me a refund and said, if it went through they would only refund partial payment and iam out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number ( XXXX XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX ) ( XXXX Account # XXXX ) ( XXXX Account number XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX XXXXXXXX XXXX Account # XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account # XXXX ) ( XXXX  Account XXXX ) ( XXXXXXXX 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 an account without my written instruction.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , INC ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ), specifically, Cash Ap 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 EFTA and Reg E. These actions have caused significant inconvenience and financial loss and I seek redress for these violations
Product: Payday loan, title loan, or personal loan

Explore Credit illegally debited my bank account on XXXX three-times, totaling {$340.00}. At the time, I was traveling out of state and this caused significant inconvenience and declined transactions during my travel. Since XXXX, I have attempted to obtain a refund from Explore Credit. I have emailed consistently for updates on my refund, only to be informed that its been processed and will receive it within 3-5 days. Two weeks later, there has been no refund and I continue to get the run-around from them on the amount they are returning and when. They too informed me it was a glitch in their system, but I am very skeptical of this since they have not returned any of the funds. They stole this money from my account and clearly do not want to return it. These transactions were completely unauthorized and are in the process of getting legal representation. If Explore Credit can fund loans within 24-hours, there is no reason it should take two+ weeks to get a refund issued. I have multiple emails and records of Explore Credit admitting to the mistake, telling me a refund will be processed and asking me to be patient and simply wait. Of course, they cant tell me how long to wait since none of the representatives via phone or email will transfer me to a supervisor. 

In addition, Explore Credit charged me twice on XX/XX/23, also failing to provide any refund despite saying they would do so. Their responses have been deceiving, deceptive and blatantly false. I am filing complaints with all regulatory agencies.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This morning I received a call from XXXX XXXX. I spoke with a representative that informed me of a debt from 15 years ago. I laughed at him because I can't believe this is where we are in these times. You're calling to collect a debt from 15 years ago? If they would've checked my file, they'd see that all of my student loans were DISCHARGED back in 2014 because I am a XXXX XXXX Veteran with XXXX XXXX XXXX and XXXX   XXXX. So there's no need to try and collect because I'm not going back to work and the money I get is protected. Secondly, I am currently in bankruptcy. All they had to do is look at my credit report and they'd see that. After laughing at the representative and telling him that this is WAAAAAAAAYY past the statute of limitations, I informed him of my bankruptcy and gave him the file number. 
He told me, " A debt is still a debt. '' I mean, I know he's doing his job. But really??? 

I also have a recording of this call if anyone needs it. All of my calls are recorded.