23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XX/XX/year> notified by Bank of America that our credit card was locked They couldnt open the account sticking by only a phone number to verify who I am. 
Despite, that I have all the transactions and amount owed. Very robotic replies, Sending me around and around. Just could not help us. 
The card remains locked. We informed them we were in business for several months in XXXX where there is XXXX branch XXXX miles away, they kept telling we had to go there to show ID. What? And kept repeating and repeating themselves. 
We were directed to the mobile app that fraud supervisor stated would clear the card. 
All the app virtual assistant did is tell me to call the bank again. 
The only way to get the card operating is to fly to a bank location. That seems a bit too much and abusive. The XXXX people we spoke with seemed clueless and confused. Often they were difficult to understand as they mumbled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect date of when account was opened ; account longer than 6 months old
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 1813K 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: Debt collection

Monterey Collections recently reported an unpaid debt for {$17000.00} on my credit report. Prior to the appearance of this account on my credit profile, I did not receive a notice of my right to dispute. Due to this negligence, Monterey Collection Svcs is violating my rights under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX placed a balance and amount due on my credit report. There is no case open. There is no monthly payment and there is no amount due. This is an error and in violation of my rights. This account should be removed from all my credit reports.
Product: Checking or savings account

I disputed charges on my debit card due to services not received and was never refunded
Product: Debt collection

I spoke to my financial institution about obtaining a mortgage to purchase a new home and they alerted me to the fact that I should check my credit scores because of the significant difference in XXXX of them ( XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ). 

When I checked my credit report I found a debt collection issue noted for {$59.00} from I C System. They also added an address to my file. I've never owned or lived at XXXX XXXX XXXX, XXXX, NC. 

XXXX XXXX XXXX is the address of an assisted living facility where my mother lived. 

Please remove this address and collection reference from all XXXX of my credit accounts.
Product: Debt collection

I am writing to express my deep concern and frustration regarding the lack of progress in resolving a dispute on my credit report. Despite my efforts to address inaccuracies, particularly a reported late payment that is inconsistent with my payment history, there has been no apparent resolution. 
Account Information : BARCLAYS BANK DELAWARE XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I want to emphasize the importance of accurate reporting and the impact it has on my overall financial well-being. The inclusion of this inaccurate late payment information is not only affecting my credit score but has also taken a toll on my mental health due to the distress caused by the seemingly unending resolution process. However, there has been no visible progress in your investigation, and the inaccurate information persists on my credit report. 
I am reaching out to seek clarification on the status of my dispute and to understand the steps being taken to address the inaccuracies in my credit report. I am a responsible consumer who values financial integrity, and it is disheartening to see that my efforts to correct these errors have not yielded any positive results.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I used Capital One services online, with the assistance of one of their representatives guiding me, to purchase a cashiers check. It was supposed to arrive by XX/XX/21 to its destination. The check did not arrive and I contacted both Capital One and XXXX XXXX to see why the check was still in transit. After about a week, It was determined by XXXX XXXX that the package containing my Cashiers check was in fact lost. It had been sent to a warehouse where packages with damaged labels go, so the package had to get opened to be logged into the system. The package was never logged in, so it was assumed from that point that the check could have been stolen. XXXX XXXX promptly sent me a letter confirming what occurred and requested I immediately stop payment on the check. I submitted an affidavit along with the letter from XXXX XXXX to Capital one. I spoke to a representative that told me they would escalate this, because it could potentially turn into a fraud situation, and to call back to confirm the affidavit was processed. When I called back, I was told that I had to wait 95 days for them to do research and make sure the check was in fact lost before they can give me back my money. Today, I was told it wasn't even a guarantee and that they would do anything for 95 days. or that the money would be returned. In the meantime, I am missing a lot of money and now have to pay more interest to the company that was supposed to receive the payment, because I don't have the money to get another certified check, until the bank releases the money to me again. They have all the information they need, and know the check is lost, but will not give me my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in regard to a XXXX Late Payment notifying them their records were incorrect and asked them to remove the negative reporting from my credit accounts. I sent them proof of payment from my bank and to date they have still not removed the negative mark on my account despite my disputes.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check to my business Checking acct from a reliable supplier, most of the funds have been witheld. Unlike all previous checks I deposited from the same supplier in the past, now Chase claims it will take 10 days to clear. Since they returned one of my other suppliers checks. Apparently, now that Chase lost a suit, they are starting to withhold funds to the full extend allowed, this is new and has caused us harm to our credibility. XXXX 's office should look into this slow walking deposits, it may be allowed but unnecessarily only using the funds for a few days to their own interest while keeping customers funds longer than needed. Checks from known customers do not require 10 days to deposit into our accounts. This is a new pain for small businesses. I called chase but they told me they are entitled to 10 days. I been a customer for 14 years, they never withheld funds for 10 days before. Sick how all these corporation just keep taking and manipulating rules in their favors please investigate and let me know if this is a new trend. Thank you
Product: Credit reporting, credit repair services, 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. XXXX  Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX, has violated my rights. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, SC XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX 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 instruction 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: Mortgage

I made a duplicate monthly payment on my mortgage. ( I set up auto-draft with my mortgage servicer before I could cancel an automatic payment from my bank -- both cleared. ) I immediately requested the mortgage servicer reverse or refund one of the duplicate payments.

The servicer took several days to research the matter before providing me a letter requesting my personal bank statements to provide evidence that the payments had cleared. This is unnecessary and not possible. First, because one payment was made recently outside of a statement period so no statement exists yet for that payment, and second, the servicer has already credited the payments as having cleared -- there is no need to examine my private bank account for whether payments were made.

I repeated my request to have one duplicate payment refunded to which I received a " resolution letter '' that specified an arbitrary " 15-day funds validation period ''. If I wanted a refund sooner than that waiting period, I needed to provide my personal bank statements. Once the 15-day waiting period had expired or after my personal bank accounts were examined, I could request a paper check mailed within 5-7 days. If no action was taken on my part after this letter, my duplicate payment would be applied to my next monthly mortgage payment. 

These processes and policies are arbitrary, unnecessary, and punitive in the financial burden it places on a borrower who overpaid the lender. Case in point, I made a duplicate payment on a credit card balance to XXXX XXXX, and within XXXX XXXX days of my request, XXXXXXXX XXXX reversed the payment to my checking account -- no " validation period '', no personal bank statements, and no paper checks.
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. 


Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX # 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 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

According to the FCRA you are in violation of code 15 USC 1681 ( A ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.
Product: Checking or savings account

Complaint mirrors # XXXX ( for checking account ). Replied to their offer mailed to me. Follow conditions on card and receive {$700.00}. Open both checking and savings accounts, comply with their conditions and receive {$700.00}. I did so, completely. They would not do so.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX XXXX XXXX Balance : {$45000.00}.
Product: Checking or savings account

Subject : Request for Remediation of Check Issued on XX/XX/year> Dear Wells Fargo Bank XXXX XXXX XXXX, I hope this message finds you well. I am writing to request assistance regarding a check issued to me on XX/XX/year>. Upon receiving the check, I deposited it into my XXXX Bank account. Unfortunately, this led to my account going into a negative balance, although the check initially appeared to go through. XXXX Bank later withdrew the funds, and they advised me to contact your department, as they indicated the issue was not on my end. 

I then attempted to deposit the check into my XXXX Bank business account, but the deposit was not successful, just like with my XXXX business checking. Finally, I tried depositing the check into my XXXX XXXX business account, and this also has not gone through. 

I kindly request that you either : XXXX. Add the funds to the check so I can successfully deposit it into my XXXX XXXX business account, or XXXX. Issue a new check to resolve the matter. 

Please feel free to contact XXXX XXXX at XXXX to confirm that they can process the check. 

Thank you for your attention to this matter, and I look forward to your prompt assistance. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IVE BEEN CONTACTED ON THIS ACCOUNT NUMEROUS TIMES. 
THIS DEBT DOES NOT BELONG TO ME. 
IT BELONGS TO XXXX XXXX. 
DURING THE DIVORCE SETTLEMENT, HE WAS RESPONSIBLE. 
HE HAS PASSED IN XXXX. 
THIS ACCOUNT WAS OPENED PRIOR TO XXXX AND IS NOT XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account being reported by Midland Funding LLC is not valid. The XXXX XXXX credit card for {$380.00} they are referring to had a policy that was to pay off the account in the event that I became unemployed. 

This policy was offered at the onset and served as Valuable consideration for the formation of the contract. I became unemployed before this account went past due and reported the unemployment to XXXX XXXX who both billed for the insurance and offered it from the beginning. Since XXXX XXXX received notice that I was unemployed and they knew I had this policy they should have filed a claim. 

As such, XXXX is in breach and Midland Credit is attempting to collect a invalid debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm lost for words about my situation, first I disputed with no actual detailed information about an account listed on my personal credit file, I have requested validation directly from the company NOTHING RECEIVED, I have filed a complaint through the CFPB to the collection company XXXX XXXX XXXX # XXXX no response back from this company through the CFPB. 

For an item to be listed on my personal credit file which first is unknown, second very old and appears to be PAST THE STATUTE, not able to be validated how is this still on my credit file? Your company states your firm verified HOW?? If the actual company isn't responding to two different firms how is your firm able to? What was requested by your company? What was obtain to show I owe this bill I have no idea about and it's NOT mine? This is crazy, how can your company sleep at night?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX  XXXX Balance : {$2200.00} XXXX XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau is not giving me a credit score. XXXX and XXXX both post my credit score so I am not sure whats going on
Product: Debt collection

I have a debt for {$560.00} on my credit report that was originally reported XX/XX/XXXX. After checking my report today, the {$560.00} is listed as a new debt with a new reporting date of XX/XX/XXXX. I received a letter from the company of a new debt for {$88.00} that would be added to my credit if not paid in 40 days. I was given a reference and invoice number to pay that debt. That debt was paid and not reported on my credit. I want the the {$560.00} debt removed from my credit as it appears this is a new debt and has affected my score. No where did it say I was paying on this debt for it to be reported as new activity. I have proof this is an old debt and proof of the new debt that was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid Creditrepair.com a total of {$320.00} from XX/XX/XXXX to XX/XX/XXXX. I paid them to remove negative items from my credit reports. Creditrepair.com did not remove any negative items from my credit reports. ( The three credit reporting agencies )
Product: Mortgage

I applied for a Home Equity Line of Credit with Bank of America. I have depository accounts and credit cards with the bank. I was denied approval despite having a XXXX credit score. I believe Bank of America is being discriminatory. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payments on student loan accounts. 

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on XXXX XXXX account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I didnt request..
Product: Credit card

I entered into agreement with Commenity Bank ( XXXX ) wherein I had equal payments for 4 years. I was a three days late in XX/XX/XXXX. I rectified that and brought the account to current. The next two months I made a little more than the payment due. Today I received a call demanding I bring my account current and make an immediate payment ( acct no longer late ). When I called Commenity Bank, I was told that the card is " a revolving account '' and a " promotional APR account ''. The late fee ( s ) are applied to teh revolving acct first, then the remaining is applied to the other account ( mind you, it 's ONE credit card with ONE item on it ). That put me in a cycle of " catch up '' even though I was making the original, agreed payment amount. They were using money from the payment and applying it to the " late fee '' first, making my payment for the month an insufficient amount. I have never encountered anything like this before and I feel this should be looked into because I 'm sure I 'm not the only one being misled by their credit card.
Product: Money transfer, virtual currency, or money service

On Wednesday XX/XX/XXXX I XXXX XXXX XXXX sent {$5000.00} From my Chime account to my girlfriends Account via her phone number. The reason XXXXXXXX XXXX  is listed instead of chime is because thats who their insured by. On Chimes website there is a FAQ that gives instructions on how to send money to family and friends and I followed those instructions step by step. My girlfriend doesnt have a account with chime and on step 3 on chimes website it states you can send money by typing in the receivers phone number which is what I done. When I typed in my girlfriends number to send the money a pop up comes up and says send {$5000.00} to XXXX and I clicked yes. Once the money was sent and my girlfriend didnt receive the funds I looked in my transaction and I see the money was sent to someone by the name of XXXX XXXX Someone I dont know. My girlfriend has Had that number on her sisters XXXXXXXX phone plan and that number has been active since XXXX of this year Of which I have proof of. I did everything the instructions told me to do on chimes website but my money was still sent to the wrong person. When I typed in my girlfriends number on the chime website the name XXXX didnt show up or I wouldnt have sent the money. His name showed up on my transaction after the money was sent. XXXX the individual who got my money must of had a account set up with The same phone number my girlfriend now has so instead on her getting the money he got it. When I contacted chime they stated there was nothing they could do and they wouldnt be sending me my money back. I didnt do anything incorrect, in fact I followed every step the website told me too and my money was transferred to the incorrect account even though I sent the money to my girlfriends phone number that is active. Please help with this issue. Im uploading a few files to show what happened when I sent the money. Last night XXXX/XXXX/23 I sent the same number a {$0.00} to show exactly what happened when I unwillingly sent {$5000.00} to the wrong person without knowing. Im also uploading a file to show my girlfriends number is active under her sisters account ( XXXX XXXX ) and not under a XXXX.
Product: Checking or savings account

I have a police report and a medical report that proves that I was in the hospital undergoing treatment during the time that someone made fraudulent charges on my account. 

Bank of America refuses to accept my paperwork in branch ( XX/XX/2019 ), I have been attempting to get someone to review the fact that I was not even awake or conscious during the time of these transactions. 

Fraud Charges : - XX/XX/19 - XXXX XXXX XXXX XXXX - {$1300.00}