23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Comenity Bank Wayfair Credit Card -Balance {$0.00} - Comenity Bank has not provided me a final statement -Contacted Comenity 2 occasions on confirmation of credit impact but I was only referred to the credit bureaus. 
-Credit Bureau was unable to help because at that time the trade line was current. 



I believe this is a violation of The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX. 

I held a retail credit card with Wayfair services by Comenity Bank ( XXXX XXXX XXXX XXXX OH XXXX ). My account was in good standing and paid. I was notified that Comenity would no longer be the servicer for the retailer Wayfair effective XX/XX/XXXX. This corporate decision was not based on the individual credit habits, this was a corporate business decision, for which I understand. 

Unfortunately, upon review of my credit profile Comenity bank closed my trade line and I realized a XXXX point decrement against my personal credit score. As you are aware the credit score is a reflection of a consumers buying and credit habits. Why am I and your constituents being egregiously being penalized for a corporate choice not reflective of my spending habits. 

I am writing you because Im todays day and age as we work to keep our economy sustaining and moving violations like these will diminish Americans buying power because of a corporate decision. I personally am in the middle of a home purchase and this violation, has placed that in jeopardy. And I cant help but think, who else has been impacted. A person may have lost a career opportunity. A home refinance a home owner needed to keep their home. So much is weighed in this country on your credit profile that I had to write and I had to let this violation be known.
Product: Money transfer, virtual currency, or money service

In order to facilitate the receipt of customer funds, I registered an account on the SQUARE platform. On XX/XX/year>, I received a sum of {$1700.00} in my SQUARE account I found that I am unable to withdraw funds from the account. Then I received an email informing me that the funds had been withheld for 90 days. Waiting for the XXXX generation, the balance in SQUARE still can not be withdrawn. 
So far, I have been waiting for almost XXXX days and the situation has not improved. The funds in my account still can not be withdrawn
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my account was frozen and was unable to transfer funds sent to me for emergency situation.Venmo did not give me a reason for the freeze and said it would be XXXX - XXXX business days I would receive a email.On XX/XX/XXXX received a email that account was unfrozen so then I tried to do a instant transfer and was unable to was told it would be another XXXX business days I would get a response. So I did a standard transfer and today is XX/XX/XXXX and the transfer still has not posted so I called and the ageant said it was under review and could not give me a reason why so again the funds are on hold again so no it's been over a week and won't see the funds till possible Monday with no answer why. I believe the reason is Venmo does this to millions of accounts and pools the money into a account and collects the overnight interest rate.
Product: Credit reporting or other personal consumer reports

XXXX refuses to actually investigate errors on my credit report. They do not investigate and keep denying my dispute. I have tried being patient but they are violating my rights under the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit bureaus must investigate the items you dispute and correct any inaccuracies found in your credit report.
Product: Bank account or service

I had a business account with Bank of America. Business has been slow and I fell behind in credit card payments, but always tried to pay something. I was paying by transferring money online through my personal B of A account to the business account. B of A then took my business account down because it was delinquent WITHOUT TELLING ME. When they called and tried to get my credit card over the phone, I told them that I 'm not giving that info out and to please add the business account back to my online banking so that I can start making payments again. Over the past two months, I have emailed the CEO who forwarded me to a person named XXXX XXXX. I told them both I have been a 20 year customer and I always pay, but I ca n't pay if they do n't add my business account back to my online banking. XXXX XXXX said she would try, then got back to me a week later ( while I was accruing late fees I 'm sure ) and told me that the only way for me to pay is to do so over the phone. I emailed XXXX XXXX, the CEO again, and told him I want to pay but need to do so online. Then, they did a right to setoff, and took money out of my account to pay the late fees etc. If they had emailed me or sent a letter etc. telling me that they were taking the account offline I would have understood, but they never did and only called asking for a credit card over the phone. They are criminal and I think did it purposely to charge late fees. I have copies of my emails telling them that I 'm trying to pay but ca n't access the account online.
Product: Debt collection

I just recieved today XX/XX/XXXX a notification from a debt collection Agency : R.A.Rogers INC. The original debt from XXXX XXXX XXXX was for {$340.00}. They would not accept payments and wanted a payoff, I was not in a position to do that, I dont earn enough right now for my cost of living and present bills, I do not have {$340.00} to spare in one lump sum. The bill got ignored for XXXX as I couldnt possibly manage to sum up the full amount. Today the notification from the debt collection agency and they have added a whopping {$560.00} to the debt. Almost twice as much as the original debt, and now triple the original amount oweing. I simply can not comprehend how they think their fee can equate to {$560.00}, Ive never known an ageny to add so much to a debt before, and this isnot my first collection process. Is it even legal to add fees, I know they cant add interest but our fees acceptable? Theres absolutely no way I can afford {$900.00}, Im out of my mind right now! Please help!
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the XXXX  and unknown items on my credit report, but unfortunately, I have not received XXXX  response even after XXXX XXXX. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX XXXX, they should be promptly removed from my XXXX  report. Since it has been over XXXX XXXX I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Product: Credit card or prepaid card

THIS IS NOT A DUPLICATE COMPLAINT. 

Company has violated CFPB regulations and Federal laws. You have unlawfully provided me ( the consumer ) with a financial product ( Apple Card ) which is not in conformity with Federal Consumer Financial Law.

Company purposefully omitted the third party information disclosure opt-out option from their privacy policy.

Company purposefully omitted instructions on how I ( the consumer ) can exercise my right to opt-out of third party disclosures.

Company unlawfully committed the abusive act of disclosing my nonpublic personal information to non affiliated third parties ; XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

I am qriting to urgently request the removal of fraudulent accounts on my credit report due to identity theft. The innaccurate information is causing significant harm to my credit and I expect immediate correctivw action.
Product: Credit card or prepaid card

I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part.
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 Fund Transfer Act+ ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all XXXX data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Product: Credit reporting or other personal consumer reports

Ive been a victim of identity theft since XXXX along with the Equifax data breach and an another breach leaking all my info including bank accts social and logins. Due to all of this i now have accounts on my report from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, another XXXX, a utility, and 9 accounts opened but closed by creditor right away. I hsve over 160 inquiries, my name on my reports has 8 different spellings. XXXX XXXX sent multiple emails dated back to XXXX declining some transactions and alllwimg some. Ive attached photos. They then credited me back for all of it. XXXX and all the accounts opened without my knowledge are not helping. Ive filed 2 police reports 2 ftc reports, closed my account with XXXX XXXX but all the accounts in both ftc identity theft reports are not mine. This is affecting my life. I have disputed them 3 times with proof. They even used my bank accounts to pay on open accounts. XXXX did conclude it was fraud and reimburse me but the creditors have sent some to charge off including late payments and none of this is mine.
Product: Credit reporting or other personal consumer reports

Personal Statement these items/accounts/inquries are unauthorized and unrecognized please help delete these items from my CONSUMER REPORT for they are causing me great harm and suffering in hindering me from life liberty and the pursuit of happiness. 
inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I established a credit card ending in XXXX with USAA Bank 30 years ago. The company decided to close my account after 30 years because I did not make a purchase on it in 3 years, however, Ive had this credit for years with no purchase. They set a precedence that they broke and it will now negatively affect my credit score XXXX this was the longest established credit card on my credit bureau. I NEVER asked USAA to close. I called USAA to have it re-activated and they said they could not. There is something very wrong with this practice!
Product: Mortgage

XX/XX/XXXX loan transferred from XXXX XXXX XXXX. We were current with no late fees or fees of any kind on the account, have statements to prove it. 

XX/XX/XXXX received 1st statement from BAC homeloans stating we owed XXXX additional fees from previous servicer. There was NO nexplanation of what these fees were for, was not able to get any information at all what these fees were for and what generated them. 

XX/XX/XXXX call to make the monthly mortgage payment, was told we were behind in the mortgage payment and didn't allow me to speak to anyone until I made the past due balance from XXXX. Mindyou, the account WAS transferred in XXXX and there was NO record of us any longer with Shellpoint and no record at BAC so I could NOT make my payment on time. 

XX/XX/XXXX, " corporate advance fees '' is what I was told were added and disputed to have these removed which will take 15 days, reference number XXXX. 

XX/XX/XXXX, received XXXX statement with the " corporate fees '' still showing, was never dealth with from previous call in early XXXX. 

Many years ago, after the countrywide scandal and bank of America received a government bailout, we were supposed to be included in the Bank of America Debt Settlement Program. This was supposed to be paid to millions of home owners. This was then hushed away, the phone number disconnected and I could not get any further information about this program. Millions lost their homes. 

XXXX I requested documents of the Debt Settlement Program, have been stonewalled, dismissed whenever I asked about it. 

I also asked to physically " SEE '' an original, unaltered Deed of Trust to be provided to me, with a member of Bank of America, the XXXX XXXX XXXX  XXXX ( trustee ) and to meet me with this original Deed of Trust. My requests were dismissed, I was given the runaround, was told XXXX  XXXX didn't house this, BAC did and BAC said they only had a copy. 

XX/XX/XXXX, Was just told today, BAC only has copies of the Deed of Trust. 

I have previously complained to the CFPB about Bank of America, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX these records should be on file for further reference regarding the shady banking practices, excessive, unexplained fees.
Product: Debt collection

I am writing to address a concerning matter regarding my credit file. I recently discovered a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I have serious doubts about the accuracy of the debt being claimed. According to the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously submitted a complaint to XXXX XXXX in regards to them reporting that I was late in that account. Due to corona virus Pandemic my job laid me off. I arranged with XXXX XXXX an agreement for 3 months and was told entering into this agreement they will not report my account as late. They did and my score dropped almost 90 points. I am now uploading the letter they sent me to show proof that this was not to be reported.
Product: Vehicle loan or lease

The vehicle was repossessed for 1 month ( possibly a month and a half ) payment while I waited for my unemployment to be verified. Mostly i believe out of retaliation fir not looking my new account rep who is for lack of a better word an XXXX. I paid the full amount within a weeks time and it's been almost a full month and in haven't received the XXXX  back just excuses.
Product: Debt collection

The accounts were closed and they reopened them to harass me and stalk me. To stop me from getting a mortgage. The dollar amounts are XXXX and XXXX. I have disputed all of these creditors through all three credit bureaus. I am trying to pay XXXX XXXX XXXX to do the very same think I have done because they have refused all my requests to close out my accounts and do not open any more accounts using my personal information.
Product: Checking or savings account

Dear CFPB, On XX/XX/XXXX I called to cancel the overdraft service on my ATM / DEBIT card. US Bank representatives confirm that this request is visible in their system and that it shows the request went through. I was informed on that call that transactions would thereafter decline for insufficient available balance. 

However, declines never began and overdrafts continued to be charged including two on XXXX, and one on XX/XX/XXXX. 

On XX/XX/XXXX my wife and I called again and asked for the overdraft service to be cancelled and we were given confirmation that it was, and one fee was reversed. US Bank confirms that the fee was reversed but failed to notate why or that any call was made. 

The card still failed to decline and overdraft fees were incurred on XX/XX/XXXX and XX/XX/XXXX. 

Today I called US Bank and the representative confirmed that the overdraft service is notated as being canceled on XX/XX/XXXX, and that she does not see any notation on the account for when or why it was ever turned back on. She has turned it off again but I have no confidence that it is truly off or that it will remain off. 

The total fees improperly charged since turning off the overdraft service on XX/XX/XXXX total {$210.00} and I will not be satisfied until all of That is returned back to me, that the overdraft service is truly XXXX permanently and that I am given written guarantees that it will not be re-establishes without my signed, written permission. 

Thank you for your assistance and diligence.

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

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Unknown inquiries for potential credit

Excel financeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times an account has been disputed, with both the agency and the creditor with letters requesting proper debt verification on XX/XX/XXXX / XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX. 
The agency did not provide for the 3rd time supporting documents, and methodology to verify the debt bearing my signature, and documents that make me legally binding contractually. The agency has failed to prove the debt, and also omitted to provide the methodology according to the Fair Credit Reporting Act and other law. 
The agency failed again to reinvestigate on time and provide support. Attached you will find the letters sent on XXXX, and XXXX with this last 2 failures out of 3 or 4 disputes.
Product: Checking or savings account

On XX/XX/XXXX after receiving a solicitation email from ALLY Bank, I opened an interest checking account and funded it with a deposit first, then created direct deposit to continue funding the account starting on XX/XX/XXXX. The solicitation letter said if I did those things, I would receive a {$250.00} bonus into my account " within 30 days of receiving your first direct deposit ''. I do have an email from ALLY from XX/XX/XXXX stating I had done what I needed to do, and the subject line was " Good news- you're enrolled in the cash bonus ''. I called last week and asked where the bonus was, and was told that actually it would be deposited 30 days EXACTLY from my first direct deposit transaction - as such it would be deposited into my account on XX/XX/XXXX - OR within 24 hours of XX/XX/XXXX. On XX/XX/XXXX I checked my account to find that it still was not there. I called ALLY Bank AGAIN, only to be given the run around, and no one can give me a direct answer. They have " escalated '' my issue but I have heard nothing from them since my call 2 days ago, and as of now, there is still no deposit of this {$250.00} bonus in my checking account. I am starting to feel as though this was a scam solicitation. I am not sure what else I can do about it. I can forward the email to you if you like.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial XXXX when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Product: Checking or savings account

I did mobil check deposit on XX/XX/22 and everything was normal how it has always worked the check was pending I received the XXXX until rest of the check cleared, I transfer XXXX dollars on XX/XX/22 to my regular checking account to pay a bill which I did. Later that evening I went to grocery store and my card declined, so I went to see why at the atm and it showed I was XXXX in my account. They pulled the XXXX back from me and slapped me with a negative balance. Following day XX/XX/22 I went to XXXX XXXX california branch to find out why this had happened I was told the fraud department put the hold on my account and that if the funds cleared tomorrow the hold would be lifted.That same night I go to check if there has been any change to my account and I magically have XXXX dollars in my account, so I pay my phone bill go to bed wake up the following morning and Im now XXXX in my checking out so now Im XXXX in the negative between my checking and savings account. So now its XX/XX/22 XXXX oclock at night my car payments due and they still have not lifted the hold even though I was told the check has cleared and was a good check, so Im late on my car payment now which will now have fines for me to pay.
Product: Debt collection

XXXX company is trying to make a claim to a bilm that was taken care by my medical insurance and called doctors and hospital and account has been closed in there end.