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

On XX/XX/22 I deposited two insurance checks from XXXX warranty company into my Truist business account for automotive repairs for two of their clients that we were performing repairs on in the amounts of {$560.00} and {$1000.00}. ( I have deposited multiple checks from this company prior with XXXX issues ) On XX/XX/22 I saw that the funds were now removed from my account by Truist and placed on an administrative hold for doubtful collectability and not set to release until XX/XX/22 ( unacceptable ). I contacted Truist by phone to rectify and they did nothing to assist me and denied explanation of why the hold was placed to begin with. I then went to the branch and spoke with the branch manager XXXX XXXX. She told me that the bank that issued the check reported to Truist that the check was doubtful. I contacted that bank and they verified that the check was good and had actually already been paid/cleared on XX/XX/22 and that they never transmitted anything to Truist about their being an issue with the check to begin with. XXXX then called the bank herself and also verified it and proceeded to manually remove the hold ( the same hold she said she couldnt remove and that nobody had the power too ). I ended up losing that companies business because of the wait on repairs due to the holds. Then on XX/XX/22 I deposited another of a different customers personal checks for {$870.00} and again another administrative hold doubtful collectability not to be released until XX/XX/22 ( again unacceptable for me being a small business ). I returned to the same branch XX/XX/22 and spoke with XXXX again at which time she spoke the same lies about the other bank transmitting that the check might not be good and then added that now, even if she does verify she isnt able to remove the hold this time. I drove XXXX XXXX down the road to XXXX XXXX and was instantly able to get written signed and stamped proof from the branch manager that not only did they never transmit anything to Truist but the check had already been paid/cleared on XX/XX/22. I returned with the proof to XXXX and she verified it as authentic by emailing XXXXXXXX XXXX  and they again confirmed. She then once again removed the non-removable hold. In summary I lost {$140000.00} of yearly business from XXXX holders the first time, and I lost almost an entire day of work the fist and the second time. In addition the Expedited Funds and Availability/Regulation CC was violated because I was never given an actual reason for the suspected doubtful collectability as required by section 4002 of chapter 41 and was denied this by the call center, the call centers supervisor, 4 different Truist employees and the branch manager which I requested in writing. This is an ongoing situation apparently and I have not at this time had a resolution going forward or any form of compensation for my loss to which I will be seeking legal counsel if not correct appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX  {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Mortgage

This is a new complaint against Ditech Financial LLC, formerly Green Tree Servicing. 
Ditech is now harassing me by misappropriating funds and facilitating economic hardships. 
This complaint is about Ditech misappropriating an extorted payment under an illegal threat of foreclosure and asking for part of the same payment again once I paid it ; and Ditech reclassifying funds when only the borrower has that right to determine the classification of funds. 
1. On XXXX XXXX, XXXX, Ditech billed my {$3900.00}. On XXXX XXXX, XXXX I paid the total amount due. The statement Ditech dated XXXX/XXXX/XXXX ( received XXXX/XXXX/XXXX ) shows Ditech posted the total amount due on XXXX/XXXX/XXXX. 
The XXXX/XXXX/XXXX dated invoice shows Ditech misappropriated {$540.00} to funds in suspense. Then, Ditech fraudulently misrepresented that I had an outstanding balance of {$540.00} and asked me for the same {$540.00} that it misappropriated to funds in suspense with no authority to do so. 
This also had the effect deceptively changing the terms of my mortgage payment from {$1100.00} to {$1600.00} per month. 
Ditech did not have authority to place the {$540.00} in funds in suspense. {$540.00} was for late fees that Ditech is claiming from XXXX before Ditech took over the note. 
My note/security instrument deed of trust does not allow late fees to be held in funds in suspense. Ditech can only put partial payments of mortgage principal and interest in funds in suspense. There was no partial payment carried forward from the XXXX/XXXX/XXXX statement, but for Ditech 's misappropriating funds and fraudulent misrepresentation on the XXXX/XXXX/XXXX dated statement. I paid the total balance to cure the alleged default. 
It was fraudulent for Ditech to bill me a total amount due and then misappropriate the money to funds in suspense and ask me for the same amount of money. 
Additionally, the note only gives the borrower the right to designate how funds are classified, not the lender. 

2. Ditech also misappropriated {$72.00} from funds in suspense to the escrow account to harass me. Under my note/deed of trust, funds in suspense can only be use used for mortgage principal and interest, not the escrow account. My note allows Ditech to refund money. I have asked for Ditech to refund the {$72.00}. 

The statement dated XXXX/XXXX/XXXX shows Ditech applied the {$72.00} to the escrow account. The regular escrow payment is {$400.00} plus the {$72.00} equals {$470.00} escrow total. Ditech has since taking over the note provided interim statements. However, Ditech did not provide a statement for XXXX/XXXX/XXXX, which showed the escrow balance is a positive {$790.00}, and not ( {$460.00} ). Thus, returning the {$72.00} will not create an escrow shortfall.
Product: Credit reporting or other personal consumer reports

Credit bureaus are reporting against DC police reportXXXX showing that XXXX XXXX XXXX reporting negative is incorrect and illegal
Product: Checking or savings account

Scammer was able to get password to paypal account. I immediately notified paypal that it was not me trying to change password. Paypal locked account. Scammer had taken XXXX $ and bough XXXX XXXX gift card. Paypal send me formal e mail ( in paypal systrem ) saying they would stop scammer transaction and return the money. I have waited months and not gotten money back.
Product: Mortgage

I told them that my wife passed away, I hit hard times my daughter and I needed a little help to get back on track they just moved forward with the foreclosure process like my wife death did not matter or made any difference in how things were to be done
Product: Credit reporting

wrong date of birth submitted a dispute 2 times but problem still not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am contacting the CFPB and credit bureaus to update my personal information and remove any names, addresses, and phone numbers I am not associated with. 
Name : 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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/2022
Product: Vehicle loan or lease

I recently pulled up my XXXX, XXXX and XXXX credit file to be surprised. There were inquiries from this company that I did not authorize. This company viewed my file in XX/XX/2022 and twice on XX/XX/2022. I never gave them permission to look at it once, much less three times and twice on the same day
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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
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 ange? address frau 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Product: Checking or savings account

I have an American Express Bluebird Account. I had two foreign deposits that are missing. I had a deposit on XX/XX/2018 from XXXX XXXX refunding a ticket for XXXX Euros, and a deposit from a job based in XXXX, for {$500.00}, on XX/XX/2018. Neither of these deposits is in my account. Both companies have provided proof that they deposited the money into the proper account, but it has never arrived. 

I have tried to contact Bluebird via their two XXXX numbers provided, and you CAN NOT get a human point of contact, ever. I have literally tried over 20 times to call them. I then tried the American Express headquarters and they stated they do not handle Bluebird, and gave me the XXXX number I previously attempted. When I told there is no human point of contact, they apologized but offered no solution. 

I sent Bluebird several emails via their customer service email address. They did not return or acknowledge them. 

I sent them a letter via USPS mail. I have heard nothing. 

I sent them a XXXX via their customer service XXXX forum. They did not acknowledge it. 

I want my money returned. They have not acknowledged my complaints and completely ignored me, and not offered proof of where this money is, and the other two companies have offered proof of completed deposits to my bank account, but Bluebird has taken illegally taken that money and will not acknowledge my complaint. I either want proof of where the money is or irrefutable proof it has been returned to the other companies, who are showing proof it was deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, Please remove these accounts from my credit file. I have did my due diligence and all of these accounts are associated to XXXX XXXX Nevada I have never resided in XXXX XXXX Nevada. Please remove these accounts and all XXXX XXXX addresses from my credit file. My social was found in 3 different data breech. This is fraud please see enclosed ID state drivers license and identity police report. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
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. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

I opened an account at chase bank for personal and business use inXX/XX/XXXX.On XX/XX/XXXX of this year, {$140000.00}, {$80000.00} and {$15000.00} were withdrawn from three accounts in XX/XX/XXXX.When I discovered it the next day, I immediately noticed the bank and reported it to the police department.My account has always been used in Texas, I believe the bank acted improperly by failing to verify with me when handing large withdrawals, especially since they were conducted in a different location, which is highly unusual.On the same day, large amounts were withdrawn from three accounts, and the bank took no action.This is a management failure on the part of the bank, and I will continue to hold them legally accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2017 @ XXXX pm mst, to let them know I had some fraudulent inquiries on my report. The rep refused to investigate and told me Ihad to  contact each agency myself. I told her it was fraud and she refused. It is my right to have inaccurate information removed. Equifax is reporting incorrectly so it is not my job to contact each creditor, it is Equifax since the are the ones with agreements with these companies.
Product: Vehicle loan or lease

Title 15 COMMERCE AND TRADE - CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER 1 -CONSUMER CREDIT COST DISCLOSURES 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Board under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. 
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 provided that, effective on the designated transfer date, this section is amended by striking Board each place that term appears and inserting Bureau. See Effective Date of XXXX Amendment note below. 
EFFECTIVE DATE OF XXXX AMENDMENT Amendment by Pub. L. 111203 effective on the designated transfer date, see section 1100H of Pub. L. 
111203, set out as a note under section 552a of Title 5, Government Organization and Employees. 
1612. Effect on government agencies ( a ) Consultation requirements respecting compliance
Product: Consumer Loan

I mailed my XXXX car payment in as usual in XXXX. Per SantanderXXXX XXXX 's website they received my car payment on XXXX XXXX. 
Now, as of Sunday XXXX XXXX, they do not have the payment. I called onSunday and they were closed so I called Monday and started an issueticket. First, I was told they did not have my payment. Then, they did butit was returned. Then, they said the date must have been wrong ( XXXX ). Then, they said there was a stop payment on the check. All of theseare false, which I explained to them. I would have had to put the stoppayment, which I did not. A return would have shown through myaccount. It has not and the money has been sitting there the entire time. 
I called my bank to double verify this and they said nothing has evenbeen submitted for payment to them. I called Santander back and toldthem and they ca n't seem to find anything to provide to me to back uptheir claims. They are now claiming a stop payment. No one can tell mewhere my check is and now my acct is showing late and with late fees. Iwant my check found and the fees reversed. My main concern is mycredit. I do not want this reported as late when I paid it on time. I found it odd that my check had not been cashed as quickly as usual, but whenthe website showed it as received, I assumed the XXXX holiday had putthem behind and it would come through sometime soon. I just want mycheck cashed and my acct restored. Please help me as myself and myhusband have tried to work with them and they do not seem to beworking very hard to resolve this. 

Thank you in advance for your help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is in violation due to reporting false information on credit report. I called to demand removal and followed proper protocol for Experian dispute. I sent over ftc reports, police reports, and also id + sin for identity verification. After, sending over documents the dispute began. 30 days later Experian has completed the investigation but fails to provide proof for removals of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to the XXXX  at XXXX XXXX XXXX Tx XXXX and Transunion at XXXX. XXXX XXXX. XXXX, PA XXXX. They received them XX/XX/XXXX and XX/XX/XXXX respectively via certified mail. I sent the letter in regards to the inaccurate reporting on my consumer report. Today 's date is XX/XX/XXXX and it has been over 60 days since they have received my dispute about the collection accounts on my report and according to FCRA they only have 30 days to respond to disputes and both have yet to do so. This is against the law to report inaccurate information on my credit report and not respond to my dispute in a timely manner. The addresses, jobs and phone numbers I will list later are not mine or aren't associated with me, there is also a social that apparently is tied to my name but I don't have information on that it only shows there is another social. This information has never been verified, I have not received in the mail and XXXX  and TRANSUNION aren't responding to my correspondence and this has already jeopardized me getting on my home loan and now is not allowing me to obtain my PhD and continue my education. Phone numbers that aren't mine ( 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 Addresses that aren't mine XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX, DE XXXX Employment not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This was my college and have no idea why it is being reported as employment.
Product: Debt collection

I continue to receive bills for the {$130.00} owed to XXXX XXXX for account XXXX. 

This amount is fully covered by my insurance XXXX XXXX XXXX this has been confirmed by them on multiple occasions. 

I have contacted XXXX multiple times regarding this amount was assured that it was an administrative error would be corrected. To date, it has not been corrected. 

XXXX also contacted XXXX multiple times and they too were assured by XXXX that issue was being corrected and would be fixed when the company worked its way through the backlog. 

XXXX says XXXX continually submit the amount for payment with an incorrect billing codeXXXX XXXX  state that XXXX continue to use the diagnostic code of XXXX for a XXXX XXXX being advised multiple times that this is incorrect. 

The date of the service was XX/XX/XXXX and this account has been placed on hold multiple times without any corrective action being taken. 

On XX/XX/XXXX this matter was sent to Radius Global Solutions ( XXXX ) XXXX ( account XXXX, quest account XXXX ) demanding payment. 

As this amount has been outstanding for more than a yearwithout any corrective action being takenI consider this harassment. 

I would like the company to accept that the money is not owed. To stop seeking payment and either collect the amount owed from XXXX or write it off as I do not owe this amount.