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

In XX/XX/2017 I was approved for commercial loan to build a dental office from Bank of America Practice solution. 
XXXX XXXX was my loan officer at that time and it was very successful relationship and he communicated almost on a daily basis to make sure that everything is very smooth until XXXX got prompted and my account was transferred to a different officer called XXXX XXXX. They guaranteed at BOA that everything will be the same since my REP ( XXXX ) and my account manager ( XXXX ) will not be changed. 
I had so many complains about XXXX that were communicated with XXXX and XXXX and I even asked to get him replaced due to lack of communication, my complains were not accommodated in timely manner and until it was too late. 
XXXX XXXX simply mis-calculated my withdrawals due to lack of experience, XXXX and XXXX were too busy to look over the account and correct him. 
XXXX decided to put a freeze on my loan and a hold on my checking account without informing me, my REP or even his boss my account manager. Between XXXX and end of 2017 XXXX got very confused and was putting freezes on my accounts on and off almost every week and here where the damage happened, most of my payments got rejected due to confusion of the banker and caused significant credit damage, penalties, closed credit cards, multiple credit delinquencies. 
Practice solutions couldn't resolve the problem completely until XXXX of the following year and that was when they found out that XXXX mis-calculated the withdrawals amount. 
and I was charged 12 % interest during the investigation period until they found that there own employee made that mistake which was when they agreed to remove the interest and also correct the credit reporting, I spoke to multiple levels of managers in bank of America and the all agreed that the problem needs to be fixed, non contacted me back or got any close on fixing the issue due to lack of communication between departments. 
After we closed in XXXX they kind of lost interest in fixing the problems and never adjusted the interest or ever reverse the credit damage and they keep and still dragging and delaying for no reason. 
They also ran my credit on XX/XX/XXXX and XX/XX/2017 even though the contract says they are allowed to run credit every 60 days not every day. 




Attached is a my bank statement from that month showing that there was enough money in the account to cover all payments.
Product: Mortgage

XXXX XXXX has made and error and now XXXX is missing and ca n't be accounted for .. have been working with them XXXX but now they will not return my calls ..
Product: Payday loan, title loan, or personal loan

O XX/XX/XXXX I was notified via XXXX credit monitor that 1 main financial had reported a hard inquiry on my credit report that i did not authorized horise
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a professional request related to the Fair Credit Reporting Act and Experian 's handling of a dispute. It is of utmost importance that this situation be investigated by you in an unbiased and timely manner, taking all relevant parties into consideration. As I have concerns over how the dispute was handled, I would highly appreciate it if you could look into it as soon as possible. Your attention to this matter is greatly appreciated. Thank you for your time. 

On XX/XX/2023 I submitted a dispute to Experian via certified mail. The 24-page document included the dispute for 8 unverified and inaccurate items as well as copies of my Indiana driver 's license, utility bill, social security card, and a sworn notarized letter.The dispute was signed for on the XXXX of XXXX @ XXXX XXXX. However, two days ( XX/XX/2023 ) later I received an email from Experian declining to process said dispute due to them believing it wasn't filed by me. Experian while stating the information sent was not by me, validated that it was indeed sent by me, by sending an email to my email address. This is not the first time that They have declined to properly handle my disputes, even though all information they have requested has been provided.
Product: Credit card or prepaid card

Goal : Receive a balance refund from CITI COSTCO ANYWHERE VISA CARD for my negative balance of $ XXXX for which they are refusing to refund me. 

Background : On XXXX XXXX 2020 I booked a trip with XXXX for an - All-Inclusive stay in XXXX XXXX for my family of XXXX ; Departure was Sun XXXX and Return Fri XXXX Booking ID : XXXX ( XXXX ) There were 2 parts to the trip : 1. Hotel Reservation - For which I have received a full refund through the credit card company - About {$3000.00} 2. Flights with XXXX XXXX - About {$3000.00} - XXXX XXXX informed us that the flight were cancelled to XXXX and that if we wanted a refund we should contact XXXX. I tried to contact XXXX  and they said via voicemail and posted on their website that they are not responding to any call or request, and that everything needs to be handled with the credit card company. 

I have already paid for this balance so I want my money back. I have contacted via phone and chat CITI multiple times, they refuse to send me my refund, they keep saying that they have to work it with XXXX, so they are just sitting on my money that I paid, they are not paying it to XXXX and they refuse to refund me. 

For over 2 months now I am carrying a negative balance of over {$2900.00} because I paid my credit card balance months ago, have been fighting with CITI and they are evasive and non-responsive and keep denying my request.

This is a time of crisis, CITI is holding my funds for multiple months now, they don't pay me any interest on it and I can't invest it. And XXXX seems to have already indicated that they will not respond, they officially posted it on their website and will not answer the phone.
Product: Credit card or prepaid card

My account is currently in pre-litigation with Chase Bank Credit Card Services. I started a payment plan with Chase XX/XX/2022. Every month I must pay a certain amount of money, and the money is withdrawn directly from my bank using the routing and account number. 

For some reason, my current payment that was suppose to come out on XX/XX/XXXX still hasn't been taken out. Chase is saying that I had insufficient funds, but I did not based on my bank account statement at the time of supposed withdrawal. I received an email at XXXX PM on XX/XX/XXXX from Chase stating I had insufficient funds, but my payment is {$510.00} and I had over {$600.00} in the account. I called Chase at XXXX PM on XX/XX/XXXX and the person I spoke to said the payment was returned due to insufficient funds. But my account was never charged. I also have my credit card statements starting from my first payment in XXXX till my last payment on XX/XX/XXXX that's been recorded. This payment has still yet to appear as either paid or a returned payment. I called again on XX/XX/XXXX, and was told I can not make a payment, and that it will attempt the payment again by the end of the week. The payment still didn't happen nor have been attempted. I then called again on XX/XX/XXXX, and the issue still wasn't resolved. 

I had a previous situation like this with my XXXX bank account but it was 'resolved ' when I switched to using my Chase bank account. I do not have anymore accounts to switch too and need this to be taken care of before Chase tries to send me to court. 

Thank you!
Product: Credit reporting or other personal consumer reports

I will attach the credit report showing that the Inquiries that were attained on my reports due to one of many data breaches on being one from equifax themselves I've reported to the authorities in which I was told in Michigan there is nothing they can do I have to report to you guys or dispute with the credit agency
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX i have been attempting to by a house for over a year and ive noticed unauthorized unverified damages on my credit report 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipts. It has been30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items below IMMEDIATELY!!! 
XXXX. XXXX XXXX  XXXX XXXX XXXX {$2.00}. 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 These accounts should not be furnished on my consumer report as they are in VOLATION!! 
Under 15 U.S Code 1681b- permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report witch violets my rights as a federal protected consumer. NO CONSENT IS IDENITTY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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, 200 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

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal bank account at XXXX XXXX XXXX opened on XX/XX/XXXX account # XXXX with a balance of {$210.00}, a personal credit account opened at XXXX XXXX XXXX XX/XX/XXXX account # XXXX with a balance of {$490.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aformentioned fraudulent items. I do not recognize the aforementioned accounts, collections, as mentioned. The aforementioned accounts, collections or hard inquiries appearing on my consumer credit report maintained by you were not opened, or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud, I have attached a copy of FTC identity theft criminal complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to apply for at the XXXX XXXX XXXX XXXX and XXXX XXXX mortgage loan, both companies said I couldn't get a loan because I had to many Hard inquiries on my credit report for both loans. Both loan officer said the13 Hard inquiries on my credit report was too much in order to receive loan from them. XXXX ). 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: Credit card or prepaid card

I made a purchase on XX/XX/2019 on a Barclay 's Wyndham Rewards Visa Signature Card for {$190.00} at a website using XXXX with the credit card as the payment method through XXXX. The charge was reflected on my credit card account as of XX/XX/XXXX. On XX/XX/XXXX, after being unable to contact the seller and having not received the item ordered, I reported the fraudulent seller to XXXX. XXXX 's practice is to contact the seller and ask the seller for proof the item was delivered. The seller provided XXXX with a XXXX tracking number showing that something was delivered to a location located in my town. XXXX 's policy is to deny a fraud claim if a seller provides a valid tracking number. XXXX denied my claim on XX/XX/XXXX. As I never received the item and was still unable to contact the seller, I disputed the transaction with my credit card company on XX/XX/XXXX. On XX/XX/2019, I received in the mail a letter from Barclays denying my fraud dispute claim based on the information given to them by XXXX. The letter stated that if I disagreed with the result, I could reassert the dispute within 10 days. I reasserted the dispute via Fax letter to Barclays on XX/XX/2019, which was within the required 10-day period. In the reassertion that I submitted to XXXX, I included documentation provided by XXXX to show that the tracking number was not valid. I then received a letter dated XX/XX/2019 from Barclays acknowledging that I provided information about the fraudulent XXXX tracking number ; however, Barclays stated that they could not resolve my dispute because it was " past time per Visa ruling. '' Upon subsequent calls to Barclays, I was verbally advised that the Visa ruling time is 60 days. 

I provided the proof of fraud within the prescribed periods required by Barclays and within the apparent " 60-day Visa rule. '' It was only due to Barclays delay in responding to the dispute that it was beyond this alleged 60-day required time period. 

I have since made numerous calls to the Barclays fraud department to discuss this issue. Some representative have been outright rude. Others have promised follow-up and call backs from management. However, I have yet to receive any such follow-up or call back. In fact, when repeatedly requesting to speak to a manager or supervisor, I am told that no one is available and that my only recourse is to wait for a call back that never occurs.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few years ago I was a victim of identity theft. I was able to freeze my credit with all three agencies, but somehow, XXXX XXXX my calling them and telling them the credit inquiries constituted fraudopened an account for the thieves anyway. I learned this in XX/XX/2019 when collection agency accounts started appearing on my credit reports. I have disputed the accounts with the collection agencies and they understand that this is a case of fraud. But despite at least half a dozen calls to Experian, I can not get the latest one removed from my accountand now they have included the thieves ' address as one of my mine.

The problem is that Experian 's website never works properly and never allows to handle anything onlineeven after they send me emails telling me to check the results online. I get constant error messages. Then I call the company and wait 45 minutes to an hour each time. Inevitably, as soon as I describe the problem, I'm told I have to be transferred to another department and put on hold again, for another 30-46 minutes. Twice, I've asked to be transferred to a supervisor ( once because the representative had the gall to ask if I was really disputing something ), and after waiting 15 minutes more on hold, have been told each time that there were no supervisors available and someone would call me. No one ever did. 

The incompetence, the constant technical problems, the complete lack of empathy and the repeated mistakes are absolutely outrageous and unacceptable in an agency that's supposed to be " helping '' the public. All they want to do is sell their " protection '' productwhich I wouldn't trust for a second. 

I still have a collections account and a thief 's address on my credit report and no way to get rid of them.
Product: Mortgage

Our mortgage was with Ditech and was sold in XX/XX/2016. We are attempting to purchase a new home and Ditech is reporting that our home was settled for less than amount owed. This is preventing me from purchasing a new home. Attached is the HUD-1 for the sale of the home, Letter from Ditech that states " PAID in Full '' and letter from XXXX XXXX XXXX , XXXX that indicates " paid in full ''
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Capital One and Credit Reporting Agencies ( CRAs ) XXXX, XXXX, and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law. ACCT NUMBER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There's XXXX XXXX XXXX cards on my account that were paid and close on XXXX. However XXXX 's kept both open until XX/XX/XXXX to accumulated more fees despite the cards to my knowledge been close on XXXX. 
Now both cards show on my credit report as charge offs on XXXX and XX/XX/XXXX when this information is not accurated because both accounts were paid off and closed on XX/XX/XXXX. 

I need macys to report the accurate close date on my cards and to show them as paid and closed because they were paid and closed on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

These reporting agencies have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. ACCORDING TO THE FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am disputing inaccurate personal information on my credit report based on the following legal violations : 1. FCRA ( 15 USC 1681 ) Violations : Section 1681e ( b ) : Failure to maintain accuracy Section 1681i ( a ) ( 1 ) : 30-day investigation requirement violated Section 1681i ( a ) ( 5 ) : Failure to delete inaccurate information 2. Privacy Act ( 5 USC 552a ) Violations : Section 552a ( e ) ( 5 ) : Maintaining inaccurate records Section 552a ( d ) ( 2 ) : Denying amendment rights Section 552a ( b ) : Unauthorized disclosure 3. CFPB Regulation Violations : 12 CFR 1022.42 ( a ) : Failure to maintain reasonable procedures 12 CFR 1022.43 ( e ) : Inadequate dispute investigation CFPB Bulletin 2013-09 : Investigation timing requirements not met The only accurate personal information is : Full Legal Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/year> Current Employment : Self Employed Previous Employment : XXXX Any other variations of my personal information are incorrect and violate these statutes and regulations
Product: Debt collection

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Collection Account Dear TransUnion Dispute Department , I am writing to formally dispute an inaccurate collection account appearing on my credit report. The account in question is which is being reported by XXXX XXXX XXXX XXXX. 

This account is invalid and should not be reported for the following reasons : 1. The original creditor has filed for bankruptcy Since the original creditor is no longer legally able to collect on the debt due to bankruptcy proceedings, the collection agency has no legal right to pursue or report this debt.

2. The collection agency has not provided verification Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, you are required to investigate and verify the accuracy of all reported information. If the collection agency can not provide verifiable proof that they have legal authority over the debt, this entry must be removed immediately.

3. Possible violation of bankruptcy discharge protections If this debt was discharged in bankruptcy, continued reporting or collection efforts may violate federal bankruptcy laws, including 11 U.S.C. 524, which prohibits attempts to collect on discharged debts. 

I request that TransUnion conduct an immediate investigation into this matter. If the collection agency can not prove its legal authority to report this debt, I demand that it be removed from my credit report under FCRA guidelines. Please provide me with a written response detailing your findings and any actions taken as a result of this dispute. 

I have attached copies of relevant documents, including my credit report with the disputed account highlighted, and any supporting evidence regarding the original creditors bankruptcy status.

Thank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day investigation period.