23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX I noticed a fraudulent charge that I did not recognize and I do not even know who the merchant is. I disputed the charge and it was reversed, but they billed again in XXXXXXXX XXXX XXXXXXXX as a recurring charge. I asked Chase to block the charge as I had never set up the recurring payment in the first place. They wanted me to talk to the vendor which obviously I can not do because I don't even recognize the name on the charge. It is something weird like XXXX XXXX. I want them to refund me for the charges and block this merchant from ever charging me again but they refuse. They said I could lock my card but it would not stop recurring charges, and of course this is a recurring charge ( albeit one I did NOT AUTHORIZE ). They also won't accept anything in writing and only want phone calls but I want it all in writing so I have proof.
Product: Checking or savings account

On XX/XX/XXXX I opened a case for fraud with my checking bank, TD bank, and I was not refunded the amount that I was scammed out of which is XXXX dollars. Under the TD bank policy it states that if the customer voluntarily discloses their user name or password information the money will not be refunded. However, that was not the case in my experience and I still will not be getting a refund. Also, when I asked the representative what I could do to get the money I was scammed out of returned he said I would have to take it up with my local police department, when I had already included the fact that I filed a police report in the bank scam report.
Product: Mortgage

My mortgage was sold to a new company starting in XX/XX/XXXX. The new company has a negative escrow balance on my account for an alleged property tax payment made by my previous mortgage company. The amount of the balance owed is {$610.00}. I submitted proof of payments by me to the county showing all of my XXXX property tax payments were made. I also checked my county record to determine if there is an overpayment. No record of overpayment is listed. I submitted this proof in writing to my current mortgage company for my escrow account to be correctly adjusted. They have declined to correct it and state it was paid they have not shown me proof of their payment, nor have they called or spoke to me. I have tried to call them 3 times in the 6 weeks I spent to correct this, and was always promised a call back. Instead i received written letters stating they are reviewing my case. The company needs to be held responsible for trying to over charge.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I am writing to express frustration with SoFi Bank. On Tuesday, the XXXX of XXXX, 2024. I tried making a purchase that failed to go through only to discover my account had been restricted so I reached out to the SoFis Account Security Team and was told i had to undergo an identity verification process which has consistently failed due to poor technology despite numerous attempts in submitting clear images to prove my identity. Each time I attempt to verify my identity, the process is unsuccessful, resulting in a 24-hour delay before I can try again. This has caused significant inconvenience and restricted my access to my account. 

Details : - Number of attempts : XXXX - Error messages or codes received ( if any ) : [ insert messages/codes ] XXXX XXXX : I can be reached at [ XXXX ] or [ XXXX ] if additional information is needed to facilitate this complaint.
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. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Debt collection

phone call was made to me by " XXXX '' threatening jail time for an unpaid balance. A debt I do owe but not to this business. " XXXX. '' somehow got my credit report and used an outstanding balance to get money out of me and was successful to the tune of {$1500.00} on XXXX XXXX 2016. Satisfied the bill was paid I did not pursue the matter until a XXXX call came in stating I owed more money on XXXX XXXX 2016 ; I know I did not! When I asked for proof they hung up and I tried repeatedly to get ahold of them since and have been very unsuccessful. Can Consumer Financial Protection help me?
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Cadence Bank 's failure to deposit my direct deposit from my employer and any other incoming deposits. Cadence Bank has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent multiple documents and made endless call to each of the three credit bureaus to resolve the matter and their just now requesting another FTC Report
Product: Debt collection

I understand I have to pay my debt, but they are calling my step father ( whom i do not speak to ) harassing to take legal action against me. I told them to delete his phone number and deal directly with me and they agreed. I spoke to XXXX XXXX from XXXX in regards to case # XXXX. So she allegedly " deleted '' my dads information and said she would deal directly with me. I recently lost my debit card and was waiting to get a new card and they have been harassing me ever since and have now called my dad once again claiming to take legal action against me. They have an anonymous number calling me stating that they will come to my place of employment to have me sign a legal document and that if I am not present they will have my supervisor sign it. I HAVE EVERY SINGLE VOICEMAIL.. at this point i feel harassed and it indiscretion to share my financial information with my employer.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is regarding account # XXXX, which TransUnion reports I have a charge-off in the amount of {$1000.00} owed to XXXX XXXX XXXX This negative mark is reflected on my TransUnion credit report. My credit report is attached for reference. Yet again, the company has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. So, how can a credit reporting agency continue to display unverified and derogatory accounts? Be advised that the description of the procedure used to determine the accuracy and completeness of the information was also requested. This is a formal notice that this item is disputed once again - and has been disputed with XXXX XXXX XXXX for more than 2 years now. How can a company get away with listing inaccurate information about a consumer 's credit profile and not be held accountable to prove the source of information?
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 # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : 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: Consumer Loan

MY NAME IS XXXX XXXX I LIVE IN XXXX XXXX AL, MY WIFE XXXX XXXX WHOM USE TO WORK FOR WESTERN FINANCE BUT NO LONGER WORKING FOR THEM BECAUSE SHE WROTE A STATEMENT AGAINST WESTERN FINANCE IN DEALING WITH A DISCRIMINATION LAW SUIT DEALING WITH XXXX. XXXX XXXX HER SUPERVISOR AT THE TIME OPENED ME A LOAN IN THE XXXX OFFICE OF WESTERN FINANCE, I MADE PAYMENTS ON TIME AS WELL AS TRYING TO IMPROVE MY CREDIT SCORE. I RECENTLY PAID WESTERN FINANCE OUT ON A GOOD NOTE, I NOTICED MY CREDIT DROPPED AND THE BRANCH MANAGER AT THE XXXX XXXX STORE HAD BEEN CALLING ME ASKING ME IF I WANTED TO REOPEN MY LOAN, TODAY I TAKE UPON HER REQUEST I WOULD LIKE TO OPEN MY LOAN IN THE XXXX XXXX BRANCH AND I GET A CALL BACK LESS THAN 30 MINUTES STATING THEY COULD NOT REOPEN MY LOAN. I ASK WHY AND THE LADY BY THE NAME OF XXXX XXXX SAID SHE COULD NOT EXPLAIN THAT I WOULD RECEIVE A LETTER IN THE MAIL. THE BRANCH MANAGER IN ANOTHER OFFICE CALLED ME AND SAID IT WAS BECAUSE THE DISTRICT MANAGER I COULD NOT REOPEN MY LOAN DUE TO MY WIFE BEING THE EX MANAGER WHO MADE A STATEMENT IN THE DISCRIMINATION CASE AGAINST WESTERN FINANCE. WHY WOULD THEY CALL AND ASK ME TO OPEN MY LOAN AND DENY ME BECAUSE OF MY WIFE? I HAVE SUPPORTING DOCUMENTS THAT STATES THE REASON FOR MY TURN DOWN IS BECAUSE OF THE DISTRICT MANAGER NOT BASED ON MY CREDIT HISTORY. IT IS BEYOND ME A COMPANY WILL ALLOW ANYONE TO DETERMINE THE COLOR, XXXX, MARTIAL STATUS OF THE REASON FOR THE TURNDOWN. IT BAFFLES ME AND I KNOW THIS AGAINST POLICY. I HAVE CONTACTED THEIR HOME OFFICE AND THEY TRANSFERRED MY CALL TO AN EXTENSION BY THE NAME OF XXXX XXXX WHOM I LEFT A VOICEMAIL ON. THIS IS AGAINST THE LAW AND IT SHOULD BE BROUGHT TO THE ATTENTION OF EVERYONE.
Product: Debt collection

I contacted Midland Funding on XX/XX/XXXX at XXXX. I was refused a verification/validation letter by XXXX XXXX. He continued to ask if a lawyer was working with me on thw debt and refused to send the letter several times.
Product: Credit reporting or other personal consumer reports

This letter is to inform of a fraudulent credit inquiry in my name that i am not liable for. I have never applied for XXXX  XXXX ( XXXX XXXX, 2024 ) Please delete immediately.
Product: Mortgage

The insurance company that was available for me based on my budget was rescinded once documents was in place the insurance company underwriter ruled us ineligible for insurance based on the condition of the home it was because of Electrical and Plumbing problems I have attempted to get this resolved but been ignored I recently filed a complaint with the realtor association I was advised that my complaint was with the bank and the appraiser the representative from the insurance company came out once we the loan documents was completed we moved into the home not knowing whether or not the insurance would be accepted I feel that the process of the loan being close should have been on hold pending the insurance inspection but the day we where in the home a few days after the loan originator had me signing the documents the insurance company sent someone to the home and a few days later we got a letter and a Email stating that we where ruled ineligible for insurance and this was an FHA loan and now because of this problem I have Electrical Problems and Plumbing issues there are many problems with this home my credit is damaged because of the Electrical issues I have 15 feet of water these problems especially with the denial of insurance created the problems for me it is leaking water real bad I have video and proof of these issues nobody is trying to help me the loan was close without any insurance and the bank for me to take there insurance because I didn't have any it's not fair when I inherited these problems and the underwriter rule us ineligible because of the condition which the underwriter listed the pics o have attached pr water damage from the issues stated in the rescinded policy it actually is worse than that I have pic documents.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. After reviewing my report, I noticed the following entries contain errors : XXXX XXXX XXXX XXXXXXXX DELETE ACCOUNT XXXX : XXXX XXXX XXXX XXXX ACCOUNT XXXX : CENTERPOINT DELETE ACCOUNT **** : XXXX XXXX XXXXXXXX XXXX ACCOUNT I am disputing these items based on their inaccuracy, supported by recent developments and findings in legal cases against credit reporting agencies, including XXXX and XXXX XXXX 

3. Recent Lawsuit Findings : In separate rulings, courts have determined that XXXX and XXXX failed to maintain reasonable procedures to ensure maximum accuracy of consumer credit information. These findings highlight systemic issues within the bureaus ' processes that may directly impact the accuracy of reports like mine.

4. Consumer Reporting News : Reports have surfaced indicating that systemic flaws in the verification and dispute-handling processes of XXXX and XXXX have led to widespread errors. As a consumer, I expect these bureaus to uphold their obligation under the Fair Credit Reporting Act ( FCRA ) to report accurate information and conduct thorough investigations of disputes. 
Under the FCRA, I am requesting : 4. Immediate investigation into the disputed items listed above.

5. Removal or correction of the inaccurate information.

6. An updated copy of my credit report reflecting these corrections.

I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. 
Documentation supporting my claim of inaccuracy. 
Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law. 
Thank you for your attention to this matter. I look forward to your prompt resolution of these inaccuracies. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Around XX/XX/year> I disputed information that was been reported on my credit reports that didnt belong to me I asked them for documentation showing I open the account with my signature and other documents that they may have. XX/XX/year> I received an package in the mail from XXXX XXXX XXXX for me to fill out information and an letter with the Original Creditor information and the amount no documents of the loan or anything just an letter for me to fill out and send back to them. I have been trying to get them to send me the original documents bearing my signature showing the date and time the loan was open.
Product: Vehicle loan or lease

Hello, hoping to resolve this matter the account Ally Financial XXXX I notice some errors reporting and I am unsure of its proper reporting. I was never informed about these issues Kindly fix these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evaluate this account : XXXX XXXX XXXX  XXXX Balance {$570.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$570.00} balance indicating if it is a charge off account.
Product: Debt collection

I had been evicted from my residence in XXXX after my car accident and owed the landlord some back rent. This company IQ data said they were collecting for the individual XXXX XXXX, when I spoke with the property manager they stated they were not trying to get that much and they did not know how that sum of XXXX was generated. Later he told they do not even manage that property anymore. The debt collocation put this on my credit report and stated I had to pay and this was on XX/XX/XXXX th 2024. I am now trying to get the money back using my bank. The company is IQ Data and they falsely represented the property manager and rental place.
Product: Credit reporting or other personal consumer reports

Inadequate Dispute Investigation- I am submitting this complaint against Equifax for their failure to conduct a proper and thorough investigation into multiple disputes I have filed.

The disputed accounts contain erroneous information that is negatively impacting my credit score and hindering my ability to obtain credit. Despite my repeated attempts to rectify these inaccuracies through the proper channels, the response and action from Equifax have been unsatisfactory and non-compliant with the Fair Credit Reporting Act ( FCRA ) & The consumer Law 15 U.C.code 1681E ( B ) compliance procedures of Accuracy of Report.

I trust that the CFPB will address this issue with the urgency it requires, ensuring that Equifax adheres to legal standards for credit reporting accuracy and dispute investigation. Thank you for your assistance in this matter.
Product: Student loan

I recently joined with a student loan debt relief company named XXXX XXXX XXXX XXXX. this company made many promises about settling with XXXX who I got my college loans. They said they could get the loans dismissed or settle for a really low amount. So I signed with them and in return I would have to pay a retainer of XXXX dollars. I only agreed to join with this company if they could get my mom off of my loan as a cosigner first. The reason why is they wanted me to default on my student loans and pay the retainer fee. This would not only hurt my credit but my moms which I refused to do. They promised that they could get her off and payments to XXXX would not began until that happened. Little to say they lied. Payments began getting deducted from my bank account immediately and 7 months later still no cosigners off and no settlement of course. Now I am trying to get a refund and I am trying to cancel this relationship with the company. The company XXXX is making this process really hard. They have denied my refund and they keep putting through hoops to terminate this relationship. They are hard to reach and they keep giving me the run around. Their suggestion to me what to just continue the relationship since I have already paid XXXX dollars to them. Right now I have a lawyer looking into it because I feel I am being scammed. This really breaks my heart because I owe so much in student loans already this is the last thing I needed. I came to them for relief not more stress. If you could help me I would be appreciative. Also, the company that debits my accounts is n't even XXXX, they had me make payments to another company named Loan Hero. The only way loan hero will discontinue charging me and take the debt I owe off of my credit report is with a phone call from XXXX who is not cooperating. All the documents I signed with the companies were online. Everytinme I click to review the documents they have disappeared. Ive requested the contracts and XXXX says they sent them XXXX XXXX  but every time I call for the past two weeks they are like they are on their way and have no way of tracking them.
Product: Money transfer, virtual currency, or money service

So this guy I know decides to steal a check from his family member or his gf family I should say and decided to tear my name off a piece of paperwork in my vehicle to act as if I signed the back of the stolen check. He then deposits check into my NAVY FEDERAL CREDIT UNION SAVINGS ACCOUNT VIA MOBILE DEPOSIT. How do I prove I was not involved in this fraud and how do I clear my name? My account of 18 years has been closed and I'm probably facing a felony charge help what do I do? Not to mention I'm being treated like a criminal updates are nonexistent from my bank or authorities and I'm scared to death plus the guy is threatening me if I act on my knowledge what should I do
Product: Credit reporting

TransUnion has a telephone number listed that is incorrect. I have never had or used this number : XXXX
Product: Credit reporting

marked as improved account then days later marked as chargeoff account when account has been settled and paid since XXXX 2016 which keeps causing my credit score to drop. There is only an issue with XXXX
Product: Credit card or prepaid card

Signed up for a bank of America AAA credit card. Mailed a check at the end of XXXX for {$150.00} ( to pay XXXX ), then I mailed a check at the end of XXXX for {$150.00} ( To Pay XXXX ). Never got a statement then on XX/XX/2021 I go to use my credit card and it was denied. I am like I have a XXXX limit and a XXXX  balance, this makes no sense. I go online and see my payments have not been applied and I hurry and pay electronically since the company never sent me a bill, never called me or notified me of any issue, I assumed everything was paid. When I talked to them on the phone to get my fee waived they said they would not waive it and they didn't even tell me it was 30 days past due, they just said they would not waive it. 

I get a notice that I have a late payment and I have not missed a card payment ever with them and I have two other cards with them. I feel this was a problem on their end that they never applied for my payments and never did statements. I was going to sign up for auto-payment but I decided to cancel two of their cards because of how rude and unhelpful they were.
Product: Debt collection

I sold a vehicle to an individual approximately XXXX year ago and the buyer never registered the vehicle into his name. The trailer park were said individual lived had the vehicle towed from the property by XXXX XXXX XXXX western mercantile insists the debt is mine, however I have a Bill of sale from the transaction. I sent an email of the bill of sale to western Mercantile agency And they said that the signatures do not match which is not true, the buyer and seller signed the bill in front of XXXX another and the buyer will attest to the transaction. This is not my bill and I provided proof to no avail. The owner of the towed vehicle is responsible for this debt, not myself. I do not live at the address it was towed from not have I ever lived at said address.