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

Cash App, a subsidiary of Square., is holding preauthorization charges on my account triple the typical amount of time such charges are usually held, thus effectively playing keep-away with my funds that I should have access to. This financial technology company, Cash App, is also mishandling disputed transactions and it appears to have no customer service number whereby customers can speak with a live agent ; there is only chat, text and email options the protocol of which keep changing.
Product: Credit reporting, credit repair services, or other personal consumer reports

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: Checking or savings account

On Sunday, XX/XX/2020, at approximately XXXX XXXX, I tried to withdraw {$60.00} from my checking account. The machine took an extremely long time but looked like it would ultimately dispense the cash. However, at the very end of the process, the electronic receipt appearing on the screen said, " Reversal '', and the cash was NOT dispensed. My account was charged {$62.00} ( which includes the merchant {$2.00} fee ), along with an additional {$2.00} which US Bank claims it charges for using a non-US Bank machine. Please note that this consumer realizes full well that ATM machines actually SAVE banks money by taking on the role of tellers. They should be paying us to use the machine. US Bank 's electronic system FAILED to note that it was a " Reversal '' ( I'm sure that electronic message had to have been communicated ) and DECIDED to take the money out of my account officially 48 hours later. The 24 hour delay ( it should have taken only the usual 24 hours to post ) meant that a dispute filing was also delayed for that time. No provisional credit has yet been issued, despite the infinitesimally small amount, and the only thing they will say is that I have to wait AT LEAST 10 business days. They are USING my cash, so will I then get the interest they are making on it while they hold it?
Product: Mortgage

Freedom Mortgage continues to send me spam mail and continues to call leaving spam voicemails despite complaints to the FCC and company itself. I 'm on the do not call list and have previously notified the company not to call, they continue to break the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is misreporting the account type On my report!! 

This is a medical collection! 

The account type is supposed to be medical debt based on Experians own credit glosssry!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNT NAME ; XXXX XXXX  ACCOUNT # XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 
15 USC1681 section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an 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 USC 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.

Furthermore, the interest rate on the loan was never signed for nor did I the Original Consumer ever sign for a or do I consent to do business with the. I request that this account for this loan is removed immediately and will be seeking remedy for under 15 USC 1692c for injuries!
Product: Student loan

A loan amount was populated on my account for loan that I never received. No one from Mohela is responding to me and I can not receive the help I need to get the erroneous charges removed. This has been ongoing since XX/XX/XXXX and it is now XX/XX/XXXX. No one is calling me back.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF AN IDENTITY THEFT, AND I HAVE BEEN TRYING TO GET THIS REMOVED FROM MY CREDIT REPORT FOR THE PAST 8 MONTHS. THE FRAUDULENT ACCOUNT IS FROM XXXX XXXX XXXX BUT WHEN I CALL THIS COMPAN THE CANT FIND ME IN THEIR SYSTEM WITH ANY OF MY INFORMATION. THEY GAVE ME A NUMBER FOR TURNSTILE FINANCING XXXX AND THEY CANT FIND ME EITHER. THIS IS REALLY FRUSTRATING I HAVE ALSO CONTACTED THE BUREAUS AND THEY ARE TELLING ME TO CONTACT MOSAIC DIRECTLY. APPARENTLY THIS HOME IMPROVEMENT LOAN WAS OBTAINED BACK IN XXXX OF XXXX, THEY DIDNT REPORT ANYTHING UNTIL XXXX OF XXXX, THEN THIS LOAN IS REPORTING LATE FROM XX/XX/XXXX UNTIL XX/XX/XXXX AS NEGATIVE AND CLOSED. PLEASE REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT RPEORT. THANK YOU
Product: Checking or savings account

I bank with midfirst. I cashed my check in store with a teller then went to atm in store added extra cash to make even XXXX and deposited that cash into my account. Cash deposit should be available immediately. But it wasn't. Not even a dollar. I don't know a single bank or anywhere that doesn't honor cash instantly. Even the policy says available instantly unless ... in which case 24 hours funds will be available. This is already a major issue but what can I do. I wait 24 hours and check to see that no none of the money is available. And my direct deposit made on the XXXX was held supposedly till XXXX on the XXXX but yet still at XXXX in the afternoon 24 hours later none of my money available. So I went to the branch and said what the XXXX oh sorry if its after XXXX it will take 2 days. Well it wasn't after hours it was XXXX XXXX and its now XXXX so 27 hours after I gave them XXXX cash. And no money is available to me. I sat with customer service on the phone who then waisted my time by placing me on hold 2 times when obviously they knew from the beginning they weren't gon na do anything about it. They ended up telling me the funds will be available at midnight. So another 5 hours. We will see. Not looking too promising since so far they have broke 2 of the companies policies. And so I just want to close my account and they can't do that because there still busy stealing my money. To me I view this as the bank has robbed me stolen from me. They deserve to be punished accordingly. And I want compensation. They hold back charges and clear them in order that makes you go negative and then charge overdraft fees and then they want to steal cash from me. They owe me for my time hassle embarrassment and hunger. I want ever monthly service fee and overdraft anything I've ever given them back plus I want my XXXX credited to my account like uhh 27 hours ago.. they seriously waited 3 days before then put 7 atm service fees all tacked on at 1 time 3 days later. So my account went negative. Hello, thats old news XXXX was sued over that XXXX long ago and now midfirst who use to not even charge atm fees is now pulling that shady XXXX. Amd now they won't give me my money. No I don't think so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I had a car loan with XXXX XXXX that was paid off in XXXX 2012. I had a very good professional relationship with the company and a excellent payment history. I recently checked my credit reports online and I was very surprised to see the credit bureaus are reporting this account with a lot of negative history.
Product: Money transfer, virtual currency, or money service

my account has been working perfect without any issues. 
I never been associate with any fraudulent activity. 
i never been associate with any chargeback. 

Now i received the notification that my account has been permanently suspended. 
XXXX XXXX XXXX : XXXX I would like to PayPal review my account there is not issue with my account, and i don't think it should have this decision without any explanation. 

i hope please get help about this issue to be resolved or if PayPal needs more information about my account, please try to ask me and i will be able to clarify any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of this year I found out through my Experian and XXXXCredit Report that there is a closed XXXX XXXX XXXX account listed as a charge off in my credit history. After multiple attempts to contact XXXX XXXX XXXX with notarized affidavits, letters and calls it has yet to be removed from my credit profile.

XXXX XXXX XXXX has failed to contact me or provide any fraud packet or assistance since Ive started to dispute this card. Ive sent them countless documents proving that my identity was stolen but without even information of where and when somebody applied for it, theres little more than I can do.

At one point they removed it for a period of 2 months and then for whatever reason put it back on my credit report.

After further investigation I was able to obtain the account number because nobody in at the XXXX  XXXX XXXX has been able to provide me with an application, address or any information other than the following : The credit card was charged off on XX/XX/2017 a balance of {$750.00} This is a fraudulent account, opened without my permission or authorization. I have not obtained any benefit from this credit card. 
FTC Report has been filed # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through Equifax 's website and I noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, Equifax and XXXX, I took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company 's. I always get emails from XXXX stating that my information was on the dark web. I was also affected by the Equifax breach. I have attached the identity theft report along with my social and drivers license.
Product: Debt collection

Avante has placed a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX. Ive never had services from XXXX  XXXX XXXX. I have reached out to this company 3 times between XXXX andXX/XX/2021 ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

theres an account that doesn't belong to me that has been reporting to my credit and is preventing me from getting employment and A home. 

jp morgan has already sent me A letter stating that they did research and the account is not mine but XXXX  still has not removed said file from my report this is my 3rd time over 90 days reporting this. I have all of the mail receipts and documentation. 

attached the letter from the jpmb services stating that its not my account driver license and ssn
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 any purpose.

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Product: Credit card or prepaid card

I just waited roughly 15 minutes to get a representative on the phone at BoA. I typically have long wait times, numerous irrelevant recorded messages I am subjected to that prevent me from reaching a representative and enable BoA to avoid dealing with issues for the card. This is the second time I have tried to call someone there to block XXXX XXXX XXXX  XXXX from charging my card, this year. The representative I reached, who had a XXXX  XXXX accent, refused to take any information I told her. I told BoA last year to block all attempts by XXXX  to charge my card for an unwanted membership renewal and was told that it would. But it has not and it is inordinately difficult to reach anyone who will stop these unauthorized, computerized charges to my card. Neither XXXX, nor BoA will stop the charges. XXXX  is in bankruptcy and is trying to gouge whatever money it can from its one-time customers and BoA is complicit in the effort. BoA is unduly burdening its customers to stop unauthorized charges. It should have done what it said it would do last year when I called about the problem : block XXXX  from doing the same thing again. 

Please impose more serious, actually effective, sanctions than you have to date to sanction BoA and, if needed, credit card processors, who are abusing my credit card. It is probably the case that millions of people are being scammed by credit card processors, banks and others who think they can automatically condone and renew memberships for whatever the XXXX they think they can get away with. The default needs to be that no membership for loyalty should be allowed to renew unless a credit card holder specifically requests it. This should apply to all loyalty programs, including, in particular, XXXX. As things stand, everyone thinks they can automatically renew unwanted services and this predation should absolutely be prohibited at all times, but especially during the covid-19 pandemic and its immediate aftermath.
Product: Debt collection

XXXX XXXX XXXX, although I talked to them that I do not owe anything to Infinity insurance and Infinity knows it, they keep sending me letters and advice me to proof that I do not owe them anything. I do not know what else to to.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft and Inaccurate information reported by TransUnion. After reviewing my credit reports with TransUnion. I noticed a Fraudulent account that are being reported twice by the same data furnisher XXXX XXXX and XXXX XXXX different accounts XXXX and Account t XXXX for the amount of {$25000.00}. This is inaccurate information due to duplicate reporting. This in issue of material fact. There is no doubt that evidence is sufficient and is a genuine is of material fact must be resolved against TransUnion. Lawrence v. Kenosha County, 391 F.3d837, 481 ( 7th Cir.2004 ). Please remove these items. Congress enacted the FCRA to protect consumer ensuring fair and accurate credit Reporting 15 U.S.C 168 ( a ) ( 1 ). Entities that report information about consumers to credit reporting agencies are called Data furnishers from reporting inaccurate information to CRAs 15 U.S.C 1681s-2 ( a ) -1681s-2 ( Westra v. Credit Contral of Pinellas, 409 F.3d 825.837 ( 7th Cir.2005 )
Product: Checking or savings account

Citi Bank have been horrible with their electronic systems to upload documents for verification. I applied on XX/XX/2019 for accelerate savings account. Got an email to upload my and wifes drivers license. XX/XX/XXXX we upload docs via their docusign system and received a confirmation about the same at noon. Got another email and yet another email and so other 7 emails asking to upload same docs. Despite uploading the docs 3 times, they still don't have it. After 2 weeks, I get a letter dated XX/XX/XXXX with a account number on it but no debit card. I tried to reach them via chat, their agent mentioned Citi dispatched them a week ago. After 3 weeks, still no debit card. I called them and their agent mentioned they are waiting on my license copy. How did they issue an account number if that was the case? Their agent lied to us about the dispatched debit card as well then. Now, after 3 weeks of hassle, we stil dont have debit card and all I want is to close the account and Citi tell me in writing how did they use my info and how will they delete it since I am no longer going to your customer.
Product: Mortgage

Recast loan misleading - In a XX/XX/XXXX letter, from US Bank, my payment was, to be, as stated ( with recast ) : Principal & Interest, {$240.00}, Current escrow {$97.00}, Total monthly payment {$340.00}. On my XX/XX/XXXX letter, from US Bank, my payment is, to be, as stated ( with recast ) : Principal & Interest {$270.00}, Current escrow {$97.00}, Total monthly payment {$370.00}. Why is there a principal & interest difference of {$32.00} in the XX/XX/XXXX letter, compared to the XX/XX/XXXX letter? I am not signing this document unless it is drafted, as stated in my XX/XX/XXXX letter, payment = {$340.00} monthly. Please clarify & correct the amount, or cancel my recast agreement, this not what we agreed upon. Sincerely, XXXX XXXX. Hello, Typically there is a fee to recast ; however, the offer you were sent to recast under the MHA program is free. You can return the request to recast letter of intent that was included with the letter mailed to you on XX/XX/XXXX, either by scanning it and emailing it back to this email address or mailing it into our office at : U.S. Bank - Recast Dept, XXXX XXXX XXXX XXXX , XXXX WI XXXX. Let us know if you have any additional questions. Recast Department, Mortgage Servicing, XXXX Ext XXXX, XXXX XXXX. Total mortgage amounts changed, I was sent an email there would be no fee, then I got a letter today stating a {$250.00} fee. Please help me as I think US Bank is being deceitful & using trickery to foreclose on my home. Thank you. Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for, {$930.00} 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 an account without my written instruction. 



In accordance with the Fair Credit Reporting Act XXXX  account # XXXX XXXX XXXX XXXX for {$140.00} 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 instruction. 



In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX, XXXX XXXX for 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. A section 604.A.2 It also states a consumer reporting agency can not furnish a account without my written instruction. 



In accordance with the Fair credit Reporting Act XXXX  account # XXXX XXXX XXXX bord for 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.2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

Credence keeps calling my work and hanging up without saying anything! They have done this multiple times throughout a 3 month span. I've talked to them on my cell phone when they call and I've asked them to email the info as well as website to make payments with nothing sent.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Conditional Acceptance of Account Resolution Dear CFPB, I am writing to file a complaint against Capital One regarding an endorsed remittance coupon, a billing dispute, and account closure. 

On XX/XX/year>, I submitted my payment using the remittance coupon provided with my statement. Despite following the correct procedures, my payment was not accepted, and my account was closed without any prior notification or explanation from Capital One. 

Following this, I sent a notice of default to Capital One on XX/XX/year>, and a pre-arbitration notice on XX/XX/year>. Despite receiving the green return receipt slip, Capital One 's customer care team has informed me that no such correspondence has been received. 

Capital One 's failure to process my endorsed payment constitutes a breach of federal laws, including : 15 U.S.C. 1666 The Fair Credit Billing Act ( FCBA ) : Capital One is required to properly credit payments as endorsed and delivered according to the statements instructions. Their failure to do so amounts to a billing error under the law.

Uniform Commercial Code ( UCC ) Articles 3 and 4 : The negotiable instrument I provided is endorsed under the UCC, which governs commercial transactions. By failing to accept and process the negotiable instrument, Capital One is in breach of UCC regulations.

15 U.S.C. 1692f Fair Debt Collection Practices Act ( FDCPA ) : If the refusal to accept the payment was an attempt to charge additional fees, it may be an unlawful attempt to collect a debt in violation of the FDCPA.

Consumer Protection Laws : This refusal, after I complied with their instructions, violates general consumer protection laws, including the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that my credit balance on my mortgage increased from XXXX XXXX and XXXX. That is not possible because I have consistently paid my mortgage on time. I called Wells Fargo and still have not received resolution. This has brought down my credit score significantly.
Product: Debt collection

I sent many letters of debt validation stating to validate the debt pursuant to 15 USC 1692g. However I received no response but more statements with incorrect amounts which are violations of consumer protection under 15 USC 1692c ( A ) when this account should be an open-end credit plan pursuant to 15 USC 1602j. With Wells Fargo not validating the debt, they now are sending me false figures and representations pursuant to 15 USC 1692f ( 1 ), 15 USC 1692e ( 2 ) A as well as violating other numerous federal laws. I have provided the erroneous billing statement along with the billing errors and false misrepresentation of this alleged debt.