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

On XX/XX/2019 my accounts were frozen and the debit card was closed for my business accounts ( this was how I learned of the hold, no other contact attempts were made ). 

Immediately following I was told over the phone to go into a branch so they could call and release the hold on both this and my personal account. 

I did so, and was told the hold could not be released. The representative asked me for an invoice for the most recent transactions to the account. This was provided immediately. I was the given a timeline by the branch representative of 1-2 days for release. 

On Friday, the XXXX, I was asked to send in copies of my ID. Again, I did so immediately. This time the branch rep told me to keep calling in to check if the account was unfrozen, which I did to no avail. 

Throughout this time I continually asked the investigator assigned to the account to provide reason for the freeze and a timeline of expected release. This was not provided and I was refused a direct answer continually. 

The following week, I visited a branch every day as the investigator XXXX XXXX was refusing to answer my attorneys phone calls. 

Many different branch reps had no idea what was going on with regards to this hold. 

During this period, my attorney and I continually asked for a timeline and reason for hold. Finally, on Thursday the XXXX, we were finally told that the reason was two wire transfers that had cleared 2 weeks previously for XXXX and XXXX. These were both partial payments on the invoice already provided ( which was between a company I owned and my own consulting company ). 

Following this, we gave Ms.XXXX all documents relating to the source of those funds from the promissory note for the loan for the payee company to the internal wire transfer confirmations for the sending of the funds to my business account at TD Bank. 

We then continued to ask for a timeline as all documents they had requested had been provided over a week back. Alternatively we offered her to liquidate the account immediately, she did not respond to this direct request, which is a violation of FDIC regulations. 

No timeline has ever been given and Ms. XXXX XXXX has refused every phone call from myself and my attorney. 

She is the cause of my employees not being paid and us not being able to attend a conference. No reasonable reason has been given for the extended hold and TD Bank refuses to do anything else in the meantime.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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. 

My phone was receiving notifications that I had made several purchases all other the country including different states. Such as gas stations, magazine subscriptions, and other random purchases around the years XXXX. I tried to get my money back and resolve the issue with my information being stolen and used for various purchases, but they did not give me any information about the issue and said there was nothing they could do. This was years ago so I dont have exact dates, but as of now I have turned off my cash app card and only use it to give money to family members as its the quickest option.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally request a prompt and thorough investigation into all negative and derogatory items currently listed on my credit report. As a consumer, I am entitled under the Fair Credit Reporting Act to ensure the accuracy, fairness, and substantiation of any negative reporting on my credit file. 

I demand that each negative account be validated with the following documentation within 14 days :
Product: Money transfer, virtual currency, or money service

I had a few different transfers from my XXXX account thru XXXX When I tried to aquire about the transactions they told me there is nothing they can do just becuase once it was sent it couldn't be returned or refunded.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit card account with XXXX XXXXXXXX, and I kindly request your assistance in addressing it. 

Upon reviewing my credit report, I have observed the presence of late payments on my account, specifically for the months XXXX in 2023. I understand the importance of maintaining a positive credit history, and I am committed to ensuring the accuracy of the information reported. 


XXXX XXXX XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXXXXXX customer service. 

I kindly request your assistance in reviewing my case and considering the removal of the late payment entries from my credit report. I believe that by doing so, my credit report will more accurately reflect my financial responsibility and positive payment history.
Product: Debt collection

I closed a account in XX/XX/2017 with XXXX balanced. A tenant moved in and opened a account with them after closing mine.Their putting her bill on me due to the mistake that was made with them not changing the account numbers.
Product: Debt collection

There is an item appearing on my credit file under Pathfinder Credit Svc XXXX this is unknown and reporting as owed {$5900.00} and the last payment made was XX/XX/2010. I have disputed and requested validation nothing has been received.
Product: Money transfer, virtual currency, or money service

I received an inquiry to buy a camera I no longer wanted that was being sold through XXXX XXXX on WednesdayXXXX XXXX. 
The individual, going by the name of XXXX XXXX/ XXXX XXXX , asked to process the transaction through XXXX  after caliming the XXXX XXXX option wasn't working. I received an email, looking very authentic, from " XXXX '' stating the transaction had occured. I then received another email saying that they couldn't process it because my account had a limit of {$400.00} receivable. The total cost of the item was {$500.00} and the individual had sent {$570.00}, inlcuding shipping for over night delivery. It said that he would need to send additional funds to increase my limit to allow for the full amount. He then sent {$830.00}. I then received another " XXXX '' email saying they all the funds totaling {$1400.00} and were going to deposit those funds to my XXXX once i refunded him the {$830.00}. I went to go do that as the email instructed, through XXXX and my bank account. 
I completed that transaction, having sent him the " refunded '' amount of {$830.00}. Only when i contacted my husband about it did he inform me I had been scammed. 
The scammer then continued to contact me via XXXX XXXX saying his account had been debited twice for the {$830.00} and that I needed to refund him that additional amount inorder to have my whole funds released and that if I didn't it would be reported. 
I immedietly contacted my bank, USAA, to attempt to stop the payment or dispute it to have the funds returned. They opened a fraud claim and said they would conclude their investigation in 3 days. 
I also made a police report as well as contacting XXXX and forwarding on the emails sent to me by the scammer. I also reported the conversation to XXXX. 

The evening of XX/XX/XXXX I received an electronic letter from USAA stating they had concluded their investigation and found no fraudulent activity. I called and the representative I spoke with informed me that they had contacted me at XXXX on the XXXX and spoke with me regarding the incident. No such phone call occured. I asked to appeal the decision and she stated she would start that and make notes that I was stating a scam, that I was asking for my funds returned, and that I wanted my claim reviewed again and I wanted to actually be contacted this time. She said the process will take 3 business days to conclude. I asked to be transfered to the dispute department to attempt to have my funds returned. She trasfered me but I never spoke to anyone as the line rang twice then stopped and was silent. 
I'm awaiting further contact from USAA 's fraud department regarding this issue and the results of their so called investigation despite my having sent documentation of the emails and chat conversation between myself and the scammer as well as the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Wells Fargo Card Service located in XXXX XXXX, IA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Wells Fargo Card Service has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of XXXX XXXX, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting or other personal consumer reports

This is my six 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 an alleged fraud or extortion. 
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 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: Checking or savings account

I had gotten a text the morning of XX/XX/23 that there was fraudulent activity on my account. Checked my account all founds were there, and no charges posted. Later that afternoon I tried to buy lunch and came to realize my account had been closed. I immediately called and was told by a chime customer service agent that my account had fraudulent activity and to read their terms and conditions and hung up on me. I was at work while trying to figure out what had happened. I tried calling 3 more times and was hung up on every time. I had more than ~ {$380.00}. ( For an upcoming car payment. ) I also emailed them and got what I believe to be an auto response. Saying my identity was not valid. This was not a new account... I had submitted a formal complaint to the XXXX, as I was not familiar with what agency to reach out too for assistance. Also, with it being the amount it was I didn't want to add an expense for an a attorney, I likely wouldn't be able to afford. I still have yet to receive the money from my account that was closed.
Product: Vehicle loan or lease

We were given a boat loan through USBank with the XXXX where we purchased our boat in XXXX of XXXX. The original boat loan was in the amount of {$82000.00}. In XXXX of XXXX I called US bank and inquired why I didnt not see a normal reduction in our loan amount despite making regular monthly payments and additional payments towards the principal. I was also told that we are billed daily interest rates on the original amount. Which means some months the interest rates are higher based on the number of days in a month and when our payment was received by them regardless if the due date fell on a day they were not open ( weekends ). I was told that ; XXXX. The interest rate does not decrease even if the amount of the loan is reduced. I was told that we will continue to interest rates based on the original loan despite the balance. XXXX. I was told that extra payments are not applied to the principal unless the payment is made with the original scheduled loan payment. Starting XXXX of XXXX I was making a lump payment of {$600.00} per month. An additional $ XXXX dollars a month to be applied to principal only. This is not happening. Since the start of our loan of {$82000.00} we have only paid off {$7400.00}. We current still have a balance of XXXX despite making total payments in the amount of XXXX. Something is not right. This feels totally corrupt.
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. 
XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX bankruptcy XXXX Account # XXXX. 
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 instruc
tions. 15 U.S.C.
Product: Debt collection

On XX/XX/2019 a collection from Allied Collection Services showed up on my credit report, I disputed the account with XXXX XXXX  directly and also XXXX directly both came back that everything was accurate so I disputed again that I disagreed with the decision. I have never once received any notification via mail about being sent to collection, an original statement from Allied Collection Services saying this is in their office and they are authorized to collect on this XXXX  account, no information to dispute, nothing what so ever in the mail from this company. It now shows on my XXXX XXXX report as closed but when I run my credit to try and get a mortgage it says it an active collection. The information for the agency on XXXX XXXX gives me a number not in service and I have no account number or information from collection agency about this account. When I disputed I was never sent any kind of proof of this debt.
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. 

DEPT OF EDXXXX XXXX XXXX, XXXX XXXXXXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : 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 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

When I made a complaint ( id : XXXX ) on CFPB regarding unauthorized hard inquiry to XXXX. In response XXXX said, " CITIZENS BANK INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. '' -- - I cooperated with Citizens Bank. Communication started from XX/XX/2023 till XX/XX/2023. 
On XX/XX/2023 | talking to ( XXXX ) XXXX | at XXXXXXXX XXXX | for XXXX XXXX, the representative on phone call upon communicating with Citizens Bank backend team denies to remove it. He says I can't record his denial on phone, he will not email/mail in written the reason behind their denial to remove the unauthorized hard inquiry. When I asked what is the reason all he said was, " I am sorry I don't know. '' I have already provided information and requested documents to XXXX on Thu, XX/XX/XXXX, XXXX from XXXX. 

What else can I do to get this unauthorized thing removed from my credit report? 
-- - Previous CFPB Complaint ID : XXXX XXXX Dispute ID : XXXX Citizens Bank Case Number : XXXX, XXXX
Product: Student loan

When the loans came out of the Covid forbearance they ported loan XXXX and XXXX from REPAYE to SAVE correctly automatically. However loan XXXX was put into level even though all loans on REPAYE were supposed to be put into SAVE automatically. This led to a higher amount on loan XXXX than it should have been. On XX/XX/XXXX I sent a secure message to Mohela to fix the issue and put loan XXXX into SAVE correctly. When there was no response I filed a CFPB complaint XXXX on XX/XX/XXXX which led to them changing loan XXXX into SAVE correctly on XX/XX/XXXX. However, what's happened that it's come out of the month of admin forbearance during the change is that all three are in SAVE with payments much higher than previous starting XX/XX/XXXX. For loan XXXX it now is saying there will be upcoming payments of {$630.00}, XXXX {$300.00}, and XXXX {$240.00}. Before it was {$29.00} ( SAVE ), {$14.00} ( SAVE ), and {$170.00} ( level ) for loan XXXX, XXXX, and XXXX respectively XX/XX/XXXX. This is going the wrong direction and I am less than a year from loan forgiveness. The higher amounts will make it more difficult to pay and none left to be forgiven in the end.
Product: Mortgage

During the first shut down I kept getting letters from the mtg company that I was in covid relief. I kept my emails that told them NO I AM NOT because I am paying, and on time, I didn't need it. Then Covid shut down the world. I couldn't work my second job which I rely on. So several months later I called them back and said, can I get one month of assistance please, I am going to need it after all. They said we can give you 3. I was able to make payments immediately and notified them to take me off of forbearance / deferment. Then in XXXX of XXXX they send a man to my office at work with a stack of papers to sign, like 8 font. They said this is your refinance paperwork so we can roll the 3 months back into your loan. Your payments will go up. I said that's fine. I then had one month of a higher payment, and my payments went back to normal, I thought it was odd but didn't question it at the time. Now I moved to Florida and am selling the house. The title company said " What is this {$5200.00} 2nd mtg? '' I said what are you talking about. She shows me. I call Shellpoint! They said oh that was our program at the time, you should have read your paperwork, we filed a partial FHA claim and put a lien on your house for that amount. WHAAATTTT? First, why am I just now told of this. I KNOW there was NO mention of this at all, ever. I was told it would be rolled in and then my final payment date would change. I asked Shellpoint for copies of the transcripts of communication and a copy of what I signed. My house closes in 3 weeks. What do I do? I called a local lawyer here, she said it was loan modification fraud - that they filed wrong and that I would need a Texas Lawyer. I call one, they agreed and said {$2500.00} please. I'm a teacher, I don't have that kind of money. Help. please. And while I was getting the paperwork together for this complaint I found out they did not apply my payments to my loan!!!! omg!!! Now what do I do???? I am printing, documenting, comparing. It's nuts. They didn't apply my payments. Then XX/XX/XXXX is showing my payment and some other payment in payment history, but the statement doesn't reflect that and I have no idea what that other payment is. What do I do? I called them and they won't help. When I go to their site all messages have been deleted. My statements are no longer able to download. I am taking pictures. look on XXXX statement, I made a payment XX/XX/XXXX ... .statement doesn't show that. I actually sent it on XXXX, but they didn't apply until XXXX. That is my one and only " late '' payment the whole time.
Product: Student loan

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and CAPITAL ONE with no successful resolution. XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX, XX/XX/XXXX.
Product: Checking or savings account

I purchased a vehicle on XX/XX/XXXX I used my debit card to pay the financial company XXXX XXXX  XXXX dollars I only authorized the company XXXX XXXX to receive the money when I called the financial company regarding my car they informed me that they never received the XXXX dollars that the dealership where I purchased the car kept the XXXX I never authorized the dealership to take funds of my debit card and keep the money, I was mislead to think they were using the money to go towards my car loan, after having issues with the car dealership refusing to give me back the money that I did not authorize them to use I contacted my bank, Bank Of America and since I used my debit card for the XXXX dollar transaction I disputed the charges on XX/XX/XXXX and opened a claim, they told me it was going to take 60-90 days to be resolved I asked if they needed any documentation from me they stated someone was going to contact me from the fraud department nobody ever contacted me and even though I kept calling they would just say they could not give me any information and that I did not need to submit anything at the moment, on XX/XX/XXXX I get a letter saying they denied my claim because the dealership send them documents of the car purchase, I have court documents where I am suing the dealership for various counts of fraud and have a attorney involved I faxed the documents over to Bank of America but I still have no help, I am very frustrated because due to this I dont have a car Bank of America has failed me they never asked me to provide any documents and every time I call they dont have any answers they are or following their policy because even with court documents explaining what happened and how Im a victim of various counts of fraud they still refuse to give me my XXXX dollars, I never authorized for that merchant to charge my card I was mislead and they stole the money out of my account.