23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act XXXX  account XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXXXXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX Has violated my rights. 
XXXX XXXX XXXX Account # XXXX Has violated my rights XXXX XXXX Account # XXXX Has violated my rights 15USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 604 A section 2 : it also states a consumer reporting agency can not furnish a account with 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 with 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.

15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Prepaid card

XX/XX/XXXX XXXX was taken off of my card after I had just added it to my cashapp card only minutes before it was taken. This has happened on XXXX other occasions. I add money and minutes later that money is gone. Those dates are XX/XX/XXXX in the amount of XXXX and XX/XX/XXXX and again on XX/XX/XXXX for XXXX. These transactions are not me. Someone used my card number online for a treatment  center. On XX/XX/XXXX my bitcoin was sold in the amount of XXXX and then again on XX/XX/XXXX for XXXX. XX/XX/XXXX XXXX was used on an app called XXXX. XX/XX/XXXX XXXX and XXXX was sent to a random person in XXXX  and again on XX/XX/XXXX and XX/XX/XXXX for XXXX was sent to that same random person. I do not know this person. I reached out to cashpp. They told me to dispute each transaction and all I've gotten is the run around and I've tried disputing this more than XXXX time. Ive even called caspapp to dispute it. Someone was to call me back but they never did. And they have many more transactions that were made. I dont have enough space to add them all on here. This is alot of missing money. I'm a single mother and every dollar earned is vital. This has set me back so far. I still haven't overcome this situation. I'm struggling to make ends meet. Please someone help put an end to cashapp fraud and stealing people 's hard earned money. I don't understand how people could do these kinds of things. How could they use my card when it's always locked and I even canceled several cards and got new cards and it still happened. Such a huge disappointment for an app that's so convenient. Prayers for others that this has happened to. We do not deserve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX placed a hard inquiry on my credit report. 
XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX also appeared as hard inquiries on my report. 
I have never inquired requested or even heard of any of these companies which are located in several different states and I have no use for banking services I can't physically visit for assistance. I advised XXXX and XXXX of my dispute via telephone and was told I must contact original creditor listed above. I contacted 3 of the above creditors to see how they got my information, they required my social security number, name and address to check for my information and I was told no record of me could be found, and they are unable to send any type of request to remove from credit report since they have no demographics or file with my information. 
I contacted XXXX and XXXX XXXX again with information above and request to remove hard inquiries, I was told I must send written dispute and request inquiries be removed. 
I mailed 2 dispute letters to XXXX, Equifax and XXXX XX/XX/XXXX and XX/XX/XXXX no response. I Called to check status on written disputes after 30 days on XX/XX/XXXX. No record of my dispute can be found with XXXX, Equifax or XXXX XXXX. 
Called XXXX XXXX and Equifax again they still have no records of my dispute and are unwilling to help me get this resolved and remove these unapproved inquiries.
Product: Debt collection

On XX/XX/XXXX I contacted Commonwealth Financial and spoke with XXXX and explained to him that I am not liable for the debt on accounts XXXX & XXXX. XXXX stated that these accounts resulted from a hospital visit on XX/XX/XXXX and that my insurance company denied payment. I then contacted XXXX and spoke with XXXX, I gave him the information regarding the hospital bill. After looking up my account, XXXX found that the hospital did not file a claim for an emergency room visit during my coverage period of XX/XX/XXXX to XX/XX/XXXX. XXXX then conference called XXXX at Commonwealth Financial and informed that the original client needs to show proof that they actually attempted to file a claim with the insurance within the timeframe ( 90 days in network/180 days out of network ). XXXX then replied that we would need to submit a proof of insurance - eligibility letter. XXXX faxed the required document to fax # XXXX with attention to account # XXXX. 
I called Commonwealth Financial back a few weeks later to check the status of the receipt of the proof of insurance document as well as a status of the investigation to get this issue resolved. The representative I spoke with confirmed that the document was received on XX/XX/XXXX and that they forwarded this document to the original client XXXX XXXX XXXX. After receiving this information the last 3 times I called Commonwealth Financial without any update on the status of the investigation I decided to call the original client XXXX XXXX XXXX to check on the status of this investigation. I spoke with XXXX at XXXX XXXX XXXX on XX/XX/XXXX and she stated that there were no notes stating receipt of a proof of insurance - eligibility letter and that they do not process investigations for any accounts and that all account work is done by the collections company. XXXX then ended the call with me by transferring me while I was in the midst of asking her a question. I have been given a complete run around with this situation and I do not feel that either company is trying to help me resolve the issue at hand.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent letters to all three credit reporting agencies with documentation. Including copies of my divorce decree, and Florida driver 's license with copies of my social security card. This information was a follow-up from previous information requested from all four parties ( 3 credit bureaus, and XXXX XXXX XXXX. To date they continue to report inaccurate information on my credit reports. Today, I learned they are transferring the loan and I can have them complete a refinance of the loan to have my ex-wife qualify for a loan with me because they do not do this however XXXX does I can wait until XX/XX/XXXX when the transfer happens and have them attempt to reapply. My divorce was in XXXX, and looking at the XXXX XXXX XXXX XXXX website the deed of record was transferred on XX/XX/XXXX. The continue to request they remove all incorrect information however they continue to report inaccurate information to the credit bureaus while harming my credit rating. Today I heard from XXXX XXXX XXXX of XXXX who indicated they had all the documents sent to them on XX/XX/XXXX. I also have a tax overage according to the IRS as they are reporting incorrect information.
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 financial loss, and I seek appropriate redress for these violations. 
I was frauded for over {$6000.00} i sumbitted all transactions through my back and cash app
Product: Checking or savings account

XXXX XXXX XXXX bank is holding my XXXX {$1300.00} funds. I am also the owner of the account since he is a minor. The company has not released his funds. My son now has no money at all
Product: Student loan

My loan was transferred from XXXX University to " Heartland ECSI '' I received one letter from them that stated that my account was past due. I can not log-on online because I never set up a log-in, and have no information. When I try to call them, I wait on hold for more than an hour and never get through. 

I have used their call-back system as well, which has also not worked. I have no means to access their systems or their agents to submit a payment. They are concurrently threatening to send my account to collections and flag it as delinquent if I do n't pay. 

In summary, there is no means to remit payment to ECSI, however they are threatening action that would impact my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my  3rd disp ute with   XXXX   XXXX   regarding the inaccurate reporting of 30 days late for   XXXX   XXXX    . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my finacnial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable andI raises serious concerns about consumer safety.
Product: Checking or savings account

I bank with Ally ( an online bank ). I made a {$500.00} deposit on XX/XX/XXXX. The check was written from a XXXX XXXX account. 
It was an electronic deposit. I have made many over the course of 3 years. The process has always been a portion of the funds are available the next day, the balance in 2 days. For this deposit, I was told by Ally that they had " confidential information that indicates the check may not be paid. '' I have never deposited a check that wasn't paid. I want to know what confidential information they have. The funds from the XXXX XXXX account were withdrawn on XX/XX/XXXX. The hold on my checking account is until XX/XX/XXXX. This does not make sense to me and I feel targeted.
Product: Credit card or prepaid card

First, I want to acknowledge that I am the Original creditor, consumer and natural person. On XX/XX/21 I received a letter from capital one stating that my account has been closed due to adverse past legal action. On XX/XX/21 I sent capital one a certified letter with return receipt asking them to provide with me with where and whom had given them this information on my credit file. As a consumer they have violated my right to credit in pursuant to 15 USC 1691D ( 6 ). I received a letter from capital one on XX/XX/21 validating the debt which I did not ask for. Capital one has failed to provide me with the proper documentary evidence which has led to my inability to obtain credit.
Product: Mortgage

We were approached by Chase Bank to refinance our existing mortgage to a lower-rate 15 year mortgage. We filled out the application and were sent a Loan Estimate. 
The process was fine until we received the appraisal - Our house ( 25 years old, 3150 sqft ) was appraised at $ 105/sqft.  The three " comps '' ( 2 in our own neighborhood ) that they used appraised at {$160.00}, {$110.00}, & $ 112/sqft. 
We notified Chase that this appraisal was inaccurate, and that we wanted a new appraisal done because of the large discrepancy. Chase refused. They then tacked on a new {$1000.00} " origination fee '' because of the low appraisal in a Revised Loan Estimate. 
They stated that if I wanted the appraisal reviewed, I had to provide them three " comps '' different from the ones they used. My subdivision only has 15 houses, and the 2 most recent sales were the $ 160/sqft & $ 113/sqft. I had no other " comps '' to show, nor should I - the best and most recent comps are already there. 
Because of this, we asked them to cancel our application, and return our {$500.00} submission fee, which they have refused to do. 
These are the people we dealt with at Chase : XXXX XXXX XXXX | Sr. Home Lending Advisor XXXX XXXX XXXX ID XXXX | XXXX XXXX XXXX Lending Manager | NMLS ID XXXX XXXX Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX wrote off a debt. Sold the debt to multiple third parties. Harris & Harris LTD and XXXX XXXX. Multiple parties are trying to collect XXXX debt and reporting on my credit report.
Product: Bank account or service

I have a bank account in a state I no longer live in. I kept the account in case I needed to transfer to my mother 's account which I am a signer on. Since I am out of state I barely use that account. I use XXXX often and accidentally charged the wrong bank account. The account had about XXXX dollars and the transaction was for approximately {$40.00} which overdrew the account. My mom contacts me to say her bank account which I am a signer on had been closed because of the balance on my account which I am sole owner on had been overdrawn for 30 days. She said my account was affecting hers somehow so I called the customer service. Customer service told me to contact the branch directly since there was nothing they could do. I called the branch and by chance immediately got the assistant manager. He said there was nothing I could do and that I should have kept up with the account. I explained I rarely use it and live out of state that the charge was a mistake. He said he could not waive the overdraft fees that now total {$140.00}. He was rude and kept sighing repeatedly when I told him I wanted the fees waived and wanted to pay the overdrawn portion. He kept telling me I had to come in person to take care of the account I should have been more responsible with. I explained yet again I do not live in that state and am sole owner of the account so no one can make a deposit on my behalf. He took down my information XXXX and said he would call back on Monday because he has to contact the back office which was told I can not contact directly. They never even warned my mother that they were closing her account and charged me ridiculous fees on one small mistake with XXXX charging the wrong account. I just want to pay the overdrawn amount and not the fees that they kept racking up on me. They automatically withdrew from my mother 's account and overdrew hers to pay my account then closed hers so now her direct deposit on Monday will not be deposited and will be rejected. I just want to pay what XXXX charged on my account and not have these overdraft fees. THey never contacted my mother to warn her about her account being closed as well. I am a XXXX XXXX XXXX and the fact that this bank is taking advantage of a single mistake is immoral.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been deleting inquiries off my report due to errors and then reinserting these inquiries without legal notifying me of what they have done. I called their customer service number to have all these inquiries removed via section 611 of FCRA about having to be notified within 5 days of any changes to my report but they would not listen to me even though I was telling them I was a victim of their inquiry issue. I want all these inquiries removed. These are the inquiries and dates below. 1 XXXX XXXX XXXX/XXXX/XXXX 2 XXXX XXXX/XXXX/XXXX 3. XXXX/XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX/XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had a revolving balance of {$66.00} per month that was set to auto pay. My existing auto pay card expired and I updated with a new card. The new card was not linked to the account and therefore led to late payment. When I was notified I paid the balance in full, but was dinged with a late payment. Efforts to contact the company have been left unanswered and deferred. No calls have been made back to me or effort to remove the derogatory remark from my credit report.
Product: Mortgage

Mr Cooper is PURPOSLEY misleading. They haven't addressed anything since my original complaints in XXXX. They provide no new evidence to support that they are losing documents, how documents are stored when asked directly, retrieval specific itemized of documents when requested, when asking the clarification of their own 3-5 business days for modification it has never been answered the last fifteen or so complaints MR cooper and its employees have attacked my character when after years lies i send a one vulgar disrespectful email when i have sent hundred of emails begging for explanations, to speak with a representative that will help only to be ignored so when one complains to the governing agencies and nothing is done and the company that is the perpetrator doesn't admit wrong doing and continues harm the consumer with its shady tactics. im afforded protections through the FTC AND FCC for phone calls MR cooper sends the same letter almost verbatim they sent last year and its considered a response but the threshold of the consumer is so great that it has to be a class action matter in order for justice to be done. i provided the same exact documents almost exactly at the same time with the PENNSYLVANIA HOMEOWNER ASSITANCE FUND who will pay XXXX allegedly .. Not once have i gotten a call or anything so this government agency must be as absentee as mr cooper is... NOOOO its that my documents were and are valid and MR cooper PURPOSULEY didn't take anything i provided into consideration... I also filed a attorney general complaint because of the CFPB ineptness to help and OBUDSMAN inability to respond timely and help and all they did was say they are only respond cause i basically have been harrassing them and they keep showing that one email BUT CANT PROVIDE THE HUDNREDS WHEN I BEGGED FOR HELP this the most shadiest company from everyone in customer relations escalations chief compliance officer modification SPOC etc its all the same they cover up and live in the courtroom
Product: Checking or savings account

I had {$280.00} in my account before it was closed because they said I wasnt in compliance with deposit agreements. The only deposit I get is from my job. I also had a refund that was supposed to be deposited from XXXX when I didnt receive a product from them. This bank is with chime ands Ive seen multiple people say their account has been closed recently also. I emailed them because they said thats the only way I can get it resolved but its taking a very long process and I need my money back ASAP so I can pay rent I will be having a baby soon and need the money I worked for its very stressful and inconsiderate of them.
Product: Checking or savings account

On XX/XX/2022 my Tax Refund was deposited into my recently opened Credit Karma Debit Account. I have been trying to activate the card and/or move funds to a different account and I keep getting a system error, Ive tried using their app, website on mobile device and on computer and I get the same connection error message. I am now very late on my payments due to this inconvenience. I have tried contacting their customer service at XXXX ( XXXX ) XXXX multiple times and Its impossible to get a live person and I end up getting hung up on. Im frustrated, in debt and planning on going to court because according to the reviews I am not the only one they have done this too.
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 XXXXXXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX 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.