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

On XX/XX/XXXX I contact Huntington Bank about payment for home and auto insurance with Huntington Back. which was due on XX/XX/XXXX, I was told that it was return, because I did n't have enough fund in my  account. I inform her that I had sign up with Huntington Bank Debit Overdraft Service. she said that the bank has discretion and I said I know, this is my first time. she put me on hold to talk to someone else. she came back and said it because I was a new customer. I told her that it was't mention when I sign up for ODP. prior to this incident I ask a teller about the 24 hour grace period that they advertise on the TV ad. I was told by the employee, that the bank has discretion. I told him that the TV ad did't mention about discretion.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} COMM XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX  XXXX Balance : {$3700.00} XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$3700.00} XXXX  XXXX XXXX XXXX XXXX : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$350.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I requested validation of this debt in writing over 30 days ago and have not received any response. I would like to report them and have this debt removed off of my credit.
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 proce 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 42 financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

2021 I applied for a credit card through XXXX XXXX. A company called First Progress. I sent a {$500.00} deposit. After sometime they requested the same information I had already sent again. I sent it again. Nothing still. Then a second time they requested the same information, again. I contacted a consumer agent with channel XXXX news. Which they never responded to. They dont have clear instructions on how to contact them. There is also no way to contact XXXX XXXX. Time continues to progress and I still dont have a card or the money. I would like to use XXXX XXXX to build my credit, by applying for another card, but I cant do it under these circumstances. I have all correspondence between the company and myself. Including a copy of deposit statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/22, Navy FCU improperly gave me a inquiry on my report which is detrimental to my livelihood and i want it to be removed off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous requests to XXXX, XXXX, and Experian to remove the Collections account XXXX XXXX  XXXX XXXX for {$4600.00}. I have also contacted the predatory collection company of XXXX XXXX  XXXX to let them know that this is not my account and explained to them why and then never responded. This is not my account and is a fraudulent account. In 2019 my Mail Box was broken into many times and sensitive information was stolen. When XXXX XXXX  XXXX sent me the validation of ownership the information was not mine. The physical address was not mine, the email address was not mine, the phone number is not mine, and the bank account where the money was deposited was not mine. I have attached the paperwork that they sent me that contains information that is not mine. This proves that it is a fraudulent account and needs to be removed from XXXX, XXXX and Experian Credit Report ASAP as it is stopping me from refinancing my mortgage.
Product: Money transfer, virtual currency, or money service

I wired my mother {$800.00} through Zelle and was billed but the money was never received by my mother. I have contacted my bank who has no answer and zelle who does not offer customer service. Zelle is associated with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX  XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A XXXX loan account ( XXXX on XX/XX/2021 ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Checking or savings account

Charged overdraft fees for charges not made by myself. I've had to have my debit card replaced several times due to unauthorized charges that led to having overdraft fees not returned to me. 

Dates included : XXXX for an unauthorized charge of {$16.00} plus a {$35.00} overdraft fee unreturned. 

XX/XX/XXXX Unauthorized charge of {$8.00} plus {$35.00} overdraft unreturned. 

XX/XX/XXXX Unauthorized charge of {$44.00}. 

XX/XX/XXXX {$10.00} charge and overdraft fee unreturned. 

XX/XX/XXXX Two unauthorized charges of {$29.00} unreturned
Product: Credit card

XXXX XXXX Chase Bank XXXX XXXX : Discrepancy Regarding Business Credit Card on Personal Credit Report To Whom It May Concern, I am writing to address a serious issue related to my business account with Chase Bank. I opened a business account under my companys tax ID and name. During the account setup process, I was informed that my business was approved for a credit card specifically tied to the company. 

However, I recently discovered that this credit card account has appeared on my personal credit report. This is highly concerning because it was never intended to be associated with my personal credit history. I have yearly credit reports, and until now, Chase was never listed there. 

The sudden appearance of this credit card on my personal credit report has caused significant confusion and potential harm. It appears as though I have a personal credit card with Chase, which is not accurate. This false information could even be perceived as fraudulent. 

I kindly request that Chase Bank investigates this matter promptly and takes the necessary steps to remove the credit card account from my personal credit report. I believe this is a mistake, and it is negatively impacting my creditworthiness. 

Thank you for your attention to this matter. I hope for a swift resolution. Please feel free to contact me at XXXX if you require any further information. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello. I am currently enrolled with National debt relief since XX/XX/year> and they have settled this account with creditor ( XXXX XXXX XXXX ) whom is the owner of this debt per XXXX XXXX XXXX NEGOTIATIONS DEPT. On my Experian report it is reporting XXXX XXXX as the debt buyer of the XXXX  XXXX account with original balance of {$6600.00}. This balance is lower being it was a settlement offered by XXXX XXXX for half this amount and is currently being paid on a monthly basis. XXXX XXXX is saying they are the debt buyer by placing this on my credit report but XXXX XXXX XXXX is saying they are the debt buyer and is collecting on this debt and that is who my debt relief company is working with in paying on a settlement with them. This is shady practices and I fear being this debt was originally XXXX XXXX and sold to XXXX XXXX XXXX. The debt is settled and being paid to credit control and then once settlement is paid, XXXX FUNDING BEING THEY XXXX BE USING XXXX XXXX, which is UNDER A DIFFERENT NAME will try to recollect entire balance again. This is shady practices XXXX XXXX  ALLEGEDLY MAY BE DOING.
Product: Vehicle loan or lease

Credit acceptance has been reporting I owe them XXXX during the pandemic I paid it down to XXXX and it been over a year and they still reporting I owe XXXX
Product: Credit card or prepaid card

I was notified on XX/XX/XXXX of a Barclays Bank Credit Card opened in my name with all my information and that it was opened in the state of Ohio ( I have never been to Ohio ) and charges made online with it. It says it has a limit of {$950.00} and there have been {$240.00} of charges made on it so far. All THREE credit bureaus have refused to help me. They say my disputes are closed due to the information they found was accurate. A physical card was mailed to my home. I have called actual credit card 4 times since XX/XX/XXXX. They have told me 4 times that the account is closed. IT is NOT closed. charges keep coming in and the credit reports show it is open. I NEVER OPENED THIS. I have since put a freeze on my credit reports. I am begging for help. NO ONE IS HELPING ME. This was fraud!!!!!!
Product: Debt collection

The debt in reference is incorrect. I received an email and letter stating the amount of this loan was reduced as XXXX XXXX XXXX  overcharged me for services and was refunding a credit to the account which has not applied as promised.
Product: Debt collection

I am writing to formally file a complaint regarding the excessive and harassing calls I have been receiving from your company in relation to the alleged debt that you claim I owe. Despite my requests for these calls to cease, I continue to receive multiple calls per day, causing significant stress and disruption in my daily life. 

The frequency of these calls goes beyond what is reasonable and has become harassment. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. I believe your company 's actions are in violation of these guidelines, specifically : Repeated phone calls multiple times per day, including calls made early in the morning and late at night. 
Failure to cease calls despite my request to stop. 
Put a law suit against me in a state I do not live in and did not sign for the debt In
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platforms. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed investigations my claims adequately. They informed me that receiving lost funds was impossible and that tracking these transactions was not feasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack accountability and transparency is unacceptable and raises concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed on XX/XX/XXXX by a mortgage refinancing company that my credit score was only 'fair ' because of a non-payment of {$29.00} for a bank of america/XXXX XXXX credit card in the summer of XXXX i have had that credit card since XXXX and have always been on-time with payments. I no not recall receiving an email or letter informing me of the non or late-payment. the first i knew of it was XX/XX/XXXX when the re-fi company informed me of it. it does not appear there was any attempt to reach out to me about the late payment. 

when i learned of the non-payment, i paid if off immediately over the phone on XX/XX/XXXX. i was told that the card has been cancelled because of non-payment. i requested that bank of america delete the account and inform the credit bureau so that my credit score would be increased. 

As i mentioned, I have been a B of A customer in good standing for almost 30 years. to have the non-payment of a {$29.00} - for which i was not notified - lower my credit score seems unreasonable.

thanks for your prompt attention. 

XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Auto loan with Banco Popular Auto payments are set up automatically this institution repeatedly under reports payments made which are debited on different days of the month last reported payment as reflected on XXXX Credit bureau was for XX/XX/2021 a dispute was opened case number XXXX the bank reported a balance of {$27000.00} on XX/XX/2021 they now updated the amount to reflect an incorrect balance of {$25000.00} a difference of {$2100.00} as of XX/XX/2021 there still exists an under reporting payments of {$640.00} are debited each month XXXX, XXXX, XXXX, XXXX, and XXXX are a total of 5 months missing these months total {$3200.00} not {$2100.00} - {$1000.00} dollars are still under reported this is the second case & complaint filed with this bank they are untrustworthy and a problem to deal with if this isnt corrected the Automatic Payments will be STOPPED! Immediately
Product: Debt collection

I received a letter from a XXXX XXXX XXXX , XXXX. saying that I owe them {$14000.00} on behalf of XXXX XXXX XXXX. As Ive already explained umpteen times to XXXX XXXX, the charges that make up this balance ARE NOT MINE!!! I will not pay a XXXX of this because I do not owe this. They said to write within thirty days if this debt is invalid. So this is my letter and the CFPB is my witness. The debt is invalid!!!
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/2024 Pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX ( XXXX ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : XXXX XXXX : ** XXXX XXXX XXXX XXXX : ** XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in the regular business of assuming the role of a credit reporting agency and in the regular business of collecting the personal information of consumers. Equifax is bound by the Fair Credit Reporting Act, the Privacy Act of XXXX and state laws requiring the safekeeping of the personal information of consumers. However, in XX/XX/XXXX, Equifax became aware of a data breach where over XXXX XXXX consumers ' information was stolen by unknown perpetrators, of which I was affected. Equifax did not adequately inform me that my information was stolen. It wasn't until XXXX that I learned of an extended claims period. Between XXXX to present, Equifax has failed to report accurate information on my credit report. I have been denied credit no less than 20 times due to Equifax misreporting my personal credit information. I have had fraudulent accounts reporting on my credit report. I have also suffered the same through Equifax affiliate credit agencies by being denied apartment leases, employment, have a higher mortgage interest rate, higher car loan interest rates, and denied other open ended consumer credit accounts. I still have inaccurate information reporting on my credit report that Equifax refuses to delete despite numerous complaints made by me to the CFPB. Equifax consistently and negligently continues to violate my federally protected rights and state rights as a California resident. Equifax should not be allowed to do business in the US. I have spent and lost hundreds of thousands of dollars trying to repair my credit, protect my personal information and credit, and prevent my information from being stolen in the future. Equifax also admitted their fault in their own statement which reads " We at Equifax CLEARLY understood that the collection of American consumer information and data carries with it enormous responsibility to protect that data. We did not live up to that responsibility. ''
Product: Checking or savings account

ROBINHOOD HAS RUINED MY FINANCIAL LIFE. I CAN NOT PAY BILLS NOR HANDLE MY OWN MONEY. THEY HAVE CLOSED MY ACCOUNT WITHOUT WARNING, RESTRICTING ME FROM ACCESSING MY FUNDS WHICH ARE MY ONLY FUNDS I HAVE. I BANKED WITH THEM AND HAVE USED ROBINHOOD FO ABOUT 5 YEARS NOW. THEY HAD ABSOLUTELY NO REASON TO CLOSE MY ACCOUNT AND I VERIFIED EVERYTHING THEY ASKED. I NEED TO BE ABLE TO ACCESS MY MONEY. I CAN NOT PAY MY BILLS
Product: Mortgage

US Bank offered a forebearance program during the pandemic. They told us after the pandemic we would be able to tack the payments onto the loan or modify the loan. Now they have told us they can not modify the loan due to our credit. They told us we are no longer protected from foreclosure. We have sent an appeal letter and notified the VA.
Product: Checking or savings account

Sent retail purchase agreement to Fidelity for deposit to purchase XXXX XXXX from XXXX XXXX in XXXX XXXX  I faxed all contracts docs for deposit into acct as negotiable debt instrument and gave pay order to dealership so now Im in breach of my contract because my bank had failed to comply and who is responsible for interest payments? Due to public law XXXX I can not just pay cash for vehicle unlock acct and correct improper payments and billing errors
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( REMOVE IMMEDIATELY ) These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID ( Proof of Identity ) -Copy of a SSN ( Proof of Identity ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting

I had XXXX collections on on my Transunion report removed then they added them back on without telling me they were going to do that. I cant look at my XXXX report but I believe they added them back on to report also. I have a screenshot of the removal and then the replacing back on.
Product: Debt collection

XXXX XXXX called was very rude and combative. asked several times for proof of debt. still haven't received anything. I was threatened with a lawsuit and told I HAVE to pay
Product: Debt collection

Called me numerous of times saying I owed a debt asked them to send correspondence from The originator company and from Them numbers is of times stated that I will have 30 days to investigate and respond back! I finally receive A letter from the collection agency late XXXX but only the agency not from XXXX or from the company they say I owe the debt too! Letter is dated XX/XX/22 and they placed the debt on my account XX/XX/22! 
Called the phone number XXXX disconnected!