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

In accordance with 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.

and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX # XXXX  In accordance with 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. 

and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

The information was deleted by Equifax because I am a victim of identity theft. The fraudulent accounts were XXXX XXXX XXXX accounts ending in XXXX and XXXX. Equifax removed the accounts and then reinserted them under XXXXXXXX XXXX with the same account numbers ending in XXXX and XXXX. Equifax did not send me information on the reinsertion which is required within 5 days a violation of FCRA rules and standards. I tried reaching out to XXXX but it is a defunct bank so not sure how they are reporting any information from that bank. Equifax is not honoring the rules of the Fair Credit Reporting Act. I have attached the Equifax reports showing they are reporting as XXXXXXXX XXXX which has NOT been in existence since XXXX of XXXX but is showing up on my credit report as of XXXX of XXXX!! I am demanding this information be removed from my credit report, immediately.
Product: Mortgage

I have been attempting a Deed in Lieu with Ocwen Loan Servicing for the last 2 years and after completing all of their steps several times, having the house vacated and their third party vendor secure the property and confirmed ; I was notified over the phone that my initial application paperwork has expired. I had previously submitted XXXX more current applications but since their process takes 90 days every time everything keeps expiring without final resolution. In addition, I had worked with my XXXX lien holder, XXXX XXXX to have them settle for a reduced amount so the Deed in Lieu could proceed. After successfully uploading the same approval letter twice and acknowledged receipt by my most recent Relationship manager at Ocwen, XXXX, I was told that they were not aware of the XXXX lien. Lastly, I was notified on Tuesday, XXXX XXXX, 2015 that my loan is being sold to XXXX on XXXX XXXX, 2015 and I would be working with them going forward. I am looking for the CFPB to look into my Deed in Lieu application from the beginning and see that I have complied with everything that was asked of me on multiple occasions only to be lied to, misled and still not have the process completed.
Product: Money transfer, virtual currency, or money service

I use Zelle all the time before they didnt have an option to hit. Are you sure youre sending it to the right person and I accidentally sent it to the wrong person numerous times and yet they wont give me back any of that money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed late payment with Experian came back as verified, original creditor sent letter they are removing late payment. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a discrepancy in my personal credit report ( s ) that is in violation of my consumer rights. Please permanently delete and block the below account from my XXXX, XXXX, and TRANSUNION credit report ( s ). This account is fraudulent and unverifiable. 

XXXX XXXX XXXX This account is unverifiable, fraudulent, and is violation of my consumer rights. Requesting to permanently remove this account.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. Theses fees were assessed despite having sufficient funds available at the time the transaction were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by CFPB, Which identified similar practices by Navy Federal Credit Union, Where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Checking or savings account

Ally Bank Complaint : I've been a dedicated, loyal customer of Ally Bank for over 5 years. I've always deposited, auto-debit, in both my checking and savings account with no problem. I become a victim of a job offering scam for remote work with a financial deposit for remote work equipment that was spelled out in their scammer " offer letter '' that I needed. I reviewed the items and they ALL were legit including the vendor equipment for remote workers that they listed for me to buy. Ally reviewed my experience and still decided to cancel me as a customer after all these years and ONE incident of a scam/identity theft, they closed my account & froze my funds. Like WOW??!! Just know if you work with them, this will be the result if you are a victim of something YOU did NOT do wrong! They closed both my checking ( {$25.00} ) and savings account ( {$3500.00} ). Choose another online bank for your best interest because some things are out of your control. I've been very disappointed in how they disregarded me as a customer so quickly and would not disclose the investigation details so I can understand why I was dropped as a customer when I've given them no issues all these years. Closing these accounts created such a disadvantage in my life these two weeks and I've been so bummed. Just watch out for the scammers and verify any checks they give you to deposit ( if you are applying for jobs and yea ). Ally was a bank I recommended for years before this incident happened to me, but now not going to do that. It is what it is... 

Best!
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding unauthorized transactions on my Navy Federal Credit Union business account. On XX/XX/year>, two fraudulent transactions were processed on my account : one for {$260.00} and another for {$220.00}. These charges were the result of fraud and potential identity theft, possibly stemming from card skimming. 

Upon discovering the unauthorized charges, I immediately filed a dispute with Navy Federal Credit Union, as I believe these transactions fall under their XXXX Liability policy, which promises reimbursement for unauthorized transactions. Unfortunately, despite my efforts, Navy Federal has not resolved the issue, nor have they replenished the disputed funds to my account.

The delay in resolving this matter has caused significant financial hardship, as the account has now been severely overdrafted. The lack of action on Navy Federal 's part has left my business unable to access the funds necessary for its operations. 

I am requesting the CFPB 's assistance in resolving this matter and ensuring that Navy Federal Credit Union adheres to its XXXX Liability policy by reimbursing the fraudulent charges promptly. 

Please feel free to contact me for additional details or documentation regarding this issue. I appreciate your time and attention to this matter and look forward to your assistance in reaching a fair resolution
Product: Money transfer, virtual currency, or money service

Please open an investigation into Cash App. Late night XX/XX/year> or early morning XX/XX/year>, I used cash app to add {$170.00} from my bank debit card to my cash app balance. ( I then sent that money to another accout, as this is the easiest way I know to transfer money between banks instantly in the middle of the night. ) After the transition I looked at my checking account where the money came from. Cash app had posted {$170.00} TWICE and overdrawn my checking account. I contacted cash app and they denied doing it twice and advised i speak to my bank. I went to my bank today to cover the overdraft and dispute the duplicate transaction. The bank employees said Cash App has been doing this for a month or 2- That transactions are being held twice. And that the second debit will fall off in about a week. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX But cash app should not be allowed to do that! I gave permission for ONE {$170.00} transaction. And if my bank knows its been going on for sometime, cash app must know also. 
Luckily I had money to cover the overdraft. But what if I didn't? I would've ended up with an overdraft fee tonight. And then if anything else came in before the money was put back on my account on XX/XX/year>, I would have additional overdrafts. 
I hope this is a true system error and not an intentional act, hoping that some people wont notice and they may hard post the duplicate to their accts also. 
Please open an investigation into Cash App and force them to fix their system and to refund anyone that paid Overdraft fees due to their mistake. 
Thank you for your time! 
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.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and found some inaccurate accounts as well as addresses on my report. I have made a list of the inaccurate accounts I will like to remove. I am in the process of starting a new business and this is slowing the process down of getting funding. The account is XXXX XXXX XXXX -- XXXX. I need this removed ASAP.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following 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. 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 XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I submitted multiple complaints to the bureaus and i have not gotten any results. I am in the middle of applying for a mortgage and the lender is denying me because of inaccurate information on my credit report that hasn't been removed and it is hindering me from getting my preapproval. I am in desperate need for a new home for my family due to mold exposure. I would like to have this resolved IMMEDIATELY because i need to close on my home in less XXXX days. Thank you for being attentive to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed unauthorized inquires.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles approach to handling disputes, especially in light of the recent CFPB lawsuit, which has brought to light significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution has failed to conduct a thorough investigation of my claims. I was informed that recovering lost funds in these transactions was not possible, which is deeply concerning. The CFPBs findings reveal that Zelle has not only failed 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 or other personal consumer reports

I have an account on my credit profile that isn't mine. Also unauthorized inquiries
Product: Credit card

I received an American Express ( AmExp ) invitation letter asking me to open an AmExp Premier Gold Card in XXXX 2015. The invitation stated that XXXX bonus member reward points will be granted after spending {$1000.00} in the first three month. I called to apply the Gold card and submitted my invitation code that was printed on the invitation letter on XXXX XXXX, 2015. It was communicated clearly on the recorded phone line during the application. 

I made more than {$1000.00} eligible purchases on the card and paid in full on time by XXXX XXXX, 2015. As today, I did not find the XXXX bonus reward points posted in my account. I contacted AmExp customer service, shockingly to me that AmExp had CHANGED the terms of my contract and XXXX points would NOT granted to me. Because they were unable to find both the marketing letter sent to me and my application phone record. 

I was very upset of this finding. I believe that AmExp breached the contract with me and their marketing technique was deceptive and overstated the benefits. Being an AmExp credit card holder for more than 30 years with XXXX FICO scores, my trust to AmExp was broken. I stopped using this card. I contacted my legal adviser for this matter. 

I requested XXXX to investigate my case again. if unsolved, legal action will be taken.
Product: Money transfer, virtual currency, or money service

XXXX XXXX, Hi there i am a XXXX citizen and I am setting up a new business in state of north Carolina. XXXX XXXX is registered under name XXXX Ma XXXX. 
I have opened a business account with wise.com it is a payment service as i was able to do it online I had wired amount of {$55000.00} CAD to the business account. 

Wise had rejected the wire saying that i cant transfer from personal account to business account. However that did not advise that before i did the transfer as there customer support and sale people did not know that these can't be done. 

My money is still with wise and when we call them they advise there XXXX XXXX bank will refund the money it been more than XXXX weeks now and i haven't received my refund yet .its a big amount for me which i want to use to fund my business. 

Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed this company that I was apart of the XXXX data breach in that my information was missed used I sent them all the proof I had in they still refuse to move it from my credit report in they also have none of my information on any contracts can you please help me remove this harmful information I will list the account numbers and dates below. US FCRA credence resource manage act number XXXX XX/XX/2023 {$310.00} act number XXXXXX/XX/2023 {$940.00}
Product: Vehicle loan or lease

THIS IS ANOTHER COMPLAINT BECAUSE MY LAST COMPLAINT XXXX DID NOT GET RESOLVED. They still did not send my refund check BUT I received a letter in the mail of a copy of my response so I know they have the correct address and just never sent the refund check. In the month of XX/XX/XXXX, I paid my monthly loan bill of $XXXX on XX/XX/XXXX, and they also took out the $XXXX again onXX/XX/XXXX. I wasn’t planning on paying my bill twice that month and it made my checking account negative and I was charged that $XXXX  overdraft fee as well. I called them and asked them to refund me one of my payments. They said they could only do it via check in the mail and that it would take up to two weeks. I said ok and waited for it to come in. After 3 weeks, nothing came in and I called them again. They said they would send it again. This went on for 2 months. By then I saw it come off my account so I thought this time they actually refunded it back to me and still got nothing. I called them and they said it could go back to my account (when all the other times no one told me this). I thought great and waited for that. Nothing came in and I called a week later and they said they couldn’t even do that and that they would send it again. I tried having them send it to another address as well and it is now the end of November and I still have not received my refund AND it’s not on my account anymore. The last time I asked for it I asked for a tracking number and they said there isn’t one available I just have to hope for the best and wait. They told me they added notes to the account as well. I asked for a copy of the notes emailed to me and they said they couldn’t do that.
Product: Checking or savings account

I had signed up for an account that would prevent overdraft fees and first financial bank charged me on the XXXX for overdraft and then cause my account was overdraft XXXX they charged me even more
Product: Credit card or prepaid card

On XX/XX/2019, a payment of {$3900.00} was charged to my credit card. The finance company ( XXXX XXXX XXXX ), made an inquiry to XXXX XXXX XXXX on XX/XX/2019 and found that I did not have an account with XXXX XXXX XXXX, the originating charge. 

XXXX XXXX notified me that there was a problem with my account. I called them and they told me that scam had been made against my account and that the transaction had been reversed. I asked who made the charge but they stated they didn't know. They did know that it came from XXXX XXXX XXXXXXXX. I asked for the balance on my account and it was OK. They said because of the scam my account was closed. 
I assumed that all was then care of. 

On XXXX XXXX they sent me a letter that confirmed that I had been a victim of a credit card scam and that they had closed my account. 

There followed subsequent phone calls where they proceeded to attempt to blame me for the transaction. More denials that they did not know who made the transaction. One person said he would refer the problem to their Fraud Dept. Gave me the number to call and the Fraud Dept. denied the case was referred to them, but would investigate.

Then the Fraud Dept. sent me a letter telling me they found no fraud, that I had made the transaction and they would do no more.
Product: Debt or credit management

I was using lexington law prices went up i was paying nothing really worked i feel like i was paying money for free cause it was temporary to make it look good
Product: Credit reporting, credit repair services, or other personal consumer reports

My first letter with this company was last  XXXX   2016 . I have been writing letters to this company for more tha n two years. I 've made several request for this company to investigate, re-investigate, requested c opies of their INVESTIGATION PROCEDURES, including but not limited to how they did their investigation and copies of documents used in their investigation to determine the accuracy and validity of each account information they reported. I questioned how they STORE FILES as FCRA clearly stipulates that these FILES must be sent to consumers upon request and these files are to be stored by the bureaus whether physical or electronically. I also question why the agreement between the bureaus and Attorney General  XXXX   XXXX  are still not in pla  ce even though TWO YEARS has already passed.
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Alll I received from this company is an obvious computer generated generic response letters. Nothing done by a real human. no files documents. Nothing   at all.
Product: Debt collection

Recently NCB responded to my complaint, and admitted to reporting the incorrect dollar amount to the credit bureaus. NCB stated they purchased the account for {$16000.00} and are reporting this amount to the credit bureaus instead of the actual deficiency balance. Based off FDCPA and FCRA you are not allowed to report the wrong dollar amount, inaccurate information, or incomplete information. The information is incomplete as the documents you submitted do not outline how you come up with the {$16000.00} you are reporting. Im simply going based off your most recent explanation/ response as how NCB come up with this dollar amount. Again, the documents you provided do not state the {$16000.00} as the deficiency balance. Please report the accurate delinquency balance to the credit bureaus and remove the collection account immediately as the dollar amount you are reporting is not the accurate deficiency balance. 

Also, you didnt provide documentation of the last bill statement, documents confirming how you came up with the {$16000.00}, or provide anything stating I am able to dispute or even took the initiative to upload documents through cfpb. Maybe CFPB can take a look to see where the inaccuracies are. 

Again, your company has been aggressive and not satisfied my request to remove the collection. It IS a violation of the FDCPA and FCRA and I demand it be removed. 

If not removed, my next step will be to hire an attorney and take the matter to court
Product: Debt collection

I was not in the hospital at the time claimed by the collector, please show written proof that was me, a copy of any state or government issued ID.