23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went into Huntington Bank to exchange some pesos Into dollars I brought in XXXX pesos they said the equivalent was {$4100.00} they said it would be deposited into my account within 7 to 10 business day I waited 10 days I called they said they didnt know anything yet on the 12th day I called and they said that it was denied that the bills that I turned in were old I didnt understand because I had taken pictures of the bill and one of the bills said XXXX thats not that old. when I asked when can I come in and get my money back they said they were not giving it back that it would be destroyed by the federal reserve I said why its my property if youre not gon na give me the {$4100.00} please give me back what I brought in the pesos that was my dads he passed away two years ago he gave them to me and I have a big expense with a new XXXX Ive been in a XXXX for 26 years, I need it to cash it in so I can help pay for my 20 % of my Medicare part. At that time he said he was not able to give me any more information that I would have to XXXX the federal reserve and their practices I asked for a letter phone number address he can not supply me with any information other than I was not getting my money or my pesos back. im sorry but I do believe that that is wrong is my property I should be able to get it back. I am a XXXX year old woman, I went ahead and googled the federal reserve I called them they suggested for me to put in the complaint to the consumer finance because its not right and I want my money back dollars or pesos. I could really use the dollars to offset my unexpected expense but if they cant do it then I believe I should get my pesos back I dont understand why this process is so misleading and so wrong. thank you in advance for your time to look over this complaint I hope things can get resolved and I hope that this practice is not really used by the federal reserve of destroying money without explaining why or not given the money back as a souvenir even I just dont understand. I do have a receipt from the bank I do have pictures of the money in case I need to turn them in I can do so.please I hope to hear from you soon have a blessed day.Thankfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX
Product: Credit reporting

I am filing a complaint against Equifax for violating my rights under the FCRA. I have placed several fraud alerts under my account I have noticed several inquires and account pop up on my credit file and when I disputes those equifax indicated the debts were valid. I asked for proof of validation of debt with no response or verification from the debtor or Equifax. They are reporting inaccurate information. I am asking someone take a look into this as my rights are being voilated and information is being reported inaccurately. I also have disputed a account several times There is XXXX account with the same account number and same balance being reported multiple times under a different company name as the company changed their name/and or bought out. The company is XXXX XXXX their name was recently changed to XXXX XXXX. This account is listed under my credit as XXXX seperate accounts with a balance around {$750.00} as if I owe XXXX seperate companies and they are the same account. I have disputed this information several times and Equifax has done nothing. The account is still on there and is affecting my credit. Also there are multiple inquires that I keep disputing that are still on there I have even contacted the companies and they have indicated they do not have any information on viewing my credit nor do I have an account with any of these companies. Please review multiple violations from Equifax in their dealings with consumer disputes. Thank you
Product: Credit reporting or other personal consumer reports

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction made by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS HARD INQUIRIES on my TransUnion report. 

XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2023 XXXX XXXX  XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX. XXXX, 2023
Product: Mortgage

Chase Mortgage offered mortgage forbearance after our home flooded during Hurricane Harvey. They told us in XX/XX/XXXX that our forbearance would be extended until XX/XX/XXXX. We called back to confirm multiple times, and they confirmed multiple times. We planned our finances to be able to come current on our mortgage by XX/XX/XXXX. Then on XX/XX/XXXX, they called us to say that our forbearance would end XX/XX/XXXX. We asked about the XXXX date and they said it wasn't in their notes and that our relationship manager had changed so they have no record of what the prior relationship manager had told us. So we have less than 3 weeks ' notice to come up with over {$12000.00} or foreclosure protection and credit protection end, and they will not let us come current after that date because they limit the payments we can make after that date.
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 financial 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 and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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: Mortgage

I was in the process of working through a formal repayment with my lender because I had some personal health issues as well as lost my job. The lender agreed to enter into a formal repayment plan with me but continued to go down a parallel path of foreclosure. Now my home is set for foreclosure sale before the formal payment plan has been set in place. 

I also have an issue on the amount of the mortgage payment as I have updated appraisal information that has not been applied to the monthly mortgage payment.I would like the mortgage payment to reflect this new amount of the mortgage. 

I have not received a itemized sheet detailing the XXXX in attorneys fees that have been added to the overall total in which I would have to pay back so I would like a itemized sheet detailing these charges.
Product: Credit card or prepaid card

I received an alert from multiple credit reporting agencies that a hard application for credit in my name was submitted by CHASE BANK. I called Chase and told them it was not my application and to not issue credit and asked it be removed. After I validated my information and identity they confirmed there was an online application submitted. I asked them to remove it and they said it would take 30-60 days to process. I also then called the three main credit bureaus to also report the issue. 

FYI I had a credit fraud alert on my report since XXXX and it was current through XXXX. I extended that alert statement. 

XXXX said I needed to file a police report or FTC report and then upload the report into to their system to remove the inquiry. I went to FTC and it referred me to the CFPB.
Product: Checking or savings account

on XX/XX/XXXX I made two check deposits both checks where for the same amount but diffrent dates and check numbers, On XX/XX/XXXX Bank said they where duplicates so they took out funds in the amount of check and returned check by mail, Bank manager noticed they where not duplicates and resubmitted the check on XX/XX/XXXX. On XX/XX/XXXX the Bank took out the amount of the check deposited on XX/XX/XXXX the check they said was a duclicate, they toook the amount of the check because they said they gave me credit for the duplicate check when my account clearly shows it was deducted back on XX/XX/XXXX. Now the bank refuses to return my amount of the check {$1500.00} that was taken out XX/XX/XXXX.
Product: Debt collection

I joined XXXX XXXX. After the 30 days I physically in person made the decision of not keeping it. But without my knowing, I do not keeps tabs on my statements due to alot of different transactions. I'm just conscience having money in my account. So. Then I was charged XX/XX/XXXX {$59.00}, again on XX/XX/XXXX {$38.00} again {$59.00}, on XX/XX/XXXX THEN, charges stopped from XXXX XXXX and now money was being taken out for XXXX XXXX, which I've never ever had any sort of communication with. So started XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$22.00} XXXX/XXXX/XXXX {$39.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} XX/XX/XXXX {$22.00} Then I saw I had a debt on my credit when I got a new debit card and saw all of this. I NEVER authorized it. I called they said they don't have any records because it was prior owner, so that owner still owns the XXXX branch, when I asked them, they said they have no access. So seems to me when XXXX XXXX closed, my info was sold to XXXX XXXX. Nobody will answer me I get they'll call you back, never do. Now I have this high impact on my credit! Please help me fix these fraudulent charges. I've been told they've done this to many people and not to expect any help. Please help me, I'm trying so hard to build credit
Product: Credit reporting or other personal consumer reports

Capital one has reported late to my account when paid please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, MI XXXX XXXX there is some inaccurate information reporting. XXXX  XXXX XXXX Account Number : XXXX Delete this account. 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the recent series of attempts to correct the late opening of my account with 3 Credit Bureaus. I would like to bring to your attention the ongoing issues and delays that I have faced in this matter.

To provide some context, I opened an account with your company and, despite timely submission of all required documents and fulfilling all necessary obligations, I have experienced significant delays in its activation. This delay has not only inconvenienced me but has also adversely affected my ability to access the services I signed up for.

I initially contacted your customer service department to inquire about the status of my account. I was told that there were some internal processing delays and assured that my account would be activated shortly. However, this did not happen.

After noticing that my account was still not activated, I made a follow-up call to your customer service. I was met with a similar response, and it was promised that the matter would be resolved within the next few days. 
Despite the assurances, my account remained inactive. I sent an email outlining the situation and seeking a resolution, but received no response.

I called your customer service again, explaining the issue and expressing my growing frustration. I was promised a call back within 48 hours to provide an update on the progress, but I never received that call.

Frustrated by the lack of progress, I visited your local branch office in person, where I was met with indifference and a lack of clarity on the situation. No concrete action was taken to resolve the matter.

I believe my situation should not have reached this point, and I am deeply disappointed with the level of customer service I have received. The continuous delays and unfulfilled promises have caused me considerable inconvenience and distress. 

I kindly request that you take immediate action to rectify this issue and provide a clear and definitive timeline for the activation of my account. I also request an explanation for the ongoing problems and inadequate communication from your company. I am asking for your assistance to remove these fraud items in my credit file : 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
Product: Payday loan, title loan, or personal loan

Section 7-4-2, subsection B ( 2 ) of the Georgia Code states : Where the principal amount involved is {$3000.00} or less, such rate shall not exceed 16 percent per annum simple interest on any loan, advance, or forbearance to enforce the collection of any sum of money A loan provided to me by XXXX XXXX XXXX, funded XXXX2018 in the amount of {$600.00} was made at a significantly higher interest rate. I have also discovered that Spotloan is not licensed to make loans in the state of Georgia.
Product: Debt collection

On XX/XX/2020, I noticed Amsher on my XXXX XXXX app. There was minimal information listed. I looked up Amshers number and contacted them. I spoke with a female representative who told me that collection was for a debt from XXXX XXXX in the amount of {$780.00}. I have never heard of this company and told the representative that I have not had an account with them. I asked for additional information such as a service address or date of the debt but no additional was given to me. The representative said I could call back to dispute the account. 

Amsher did NOT contact me prior to placing the debt on my credit. I have received no written notice and have no knowledge of this account. By law, I am the right to receive a notification of collection as well as a right to dispute. I am suppose to be given 30 days to contact Amsher, which I was not given. 

Due to the violation of my rights and questionable business practices by Amsher, the account is being disputed, however, I am request that this account be removed from my credit reports IMMEDIATELY.
Product: Checking or savings account

On XXXX I went inside my home B.O.A. branch to withdraw $ XXXX from my demand checking account ( {$130000.00} balance for months ). The branch Manager approached me in line and asked what I needed. I explained I was there to withdraw cash from a Platinum Honors account. 

When I got to the teller, she told me she didn't think the bank had that much cash, but had to check with management. the Teller spoke to the Assistant V.P., XXXX XXXX, and they both came and told me they did not have that much cash to give me and I should have 'called ahead '. There was NO alternative options given ( we can give you $ XXXX today, or check this branch ). It was simply 'you didn't call ahead and we don't have that much cash '. At that time, before exiting the branch, I told Mr. XXXX if I had to come back, I would close my account. They had plenty of time to give me options. 

I immediately went to one of my other financial institutions and withdrew $ XXXX with no problem. On XXXX I went back to B.O.A. to close the account. I filed a formal complaint with the bank. They acknowledged receipt of my correspondence and said it was escaladed to management. I do not anticipate hearing back from the bank as I am no longer their customer. I should have not have had any issues accessing funds from a demand account.
Product: Debt collection

The debt does not belong to me, it is company trying to get ahold of my husband. I have repeatedly asked him to stop calling., continue to tell them that you can not reach him from my number. They call me 3 times a day morning, noon, and night. Every time I tell them that I am not XXXX XXXX I hang up on me. Sometimes I can get them to hang on the phone a little bit longer and explain and they have told me a couple times that they would not call again, but they always do. I have no idea what to do. 

They say they are with Ally Services Number : XXXX Called today at XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to further dispute the information contained in my consumer file with Early Warning Services, specifically the accounts associated with XXXX XXXX XXXXXXXX and referenced in Case XXXX XXXX and XXXX. Despite your claim that the reinvestigation confirms the accuracy and completeness of the information, I contest this conclusion for the following reasons : Grounds for Further Dispute 1. XXXX XXXX XXXX, Reference # : XXXX Issue : This account has been inaccurately reported as accurate and complete, despite unresolved discrepancies regarding its closure status, transaction history, and alleged Account Abuse. 
Violation : The supporting documentation provided by XXXX XXXXXXXX XXXX does not conclusively demonstrate the accuracy or verifiability of this information, which violates the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX XXXX  XXXX, Reference # : XXXX Issue : This account was previously removed due to unverifiability and should not have been reinserted into my consumer file without substantial evidence. The alleged Suspected Fraud Act claim is not supported by any clear documentation. 
Violation : The reinsertion of this account fails to meet the requirements of FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates certification of accuracy and proper notification of reinsertion. 
Request for Permanent Deletion I demand that both accounts be permanently deleted from my file based on the following : The reinvestigation failed to provide conclusive and verifiable evidence of accuracy and completeness. 
The documentation provided is insufficient to justify continued reporting of these accounts. 
The reinserted account violates FCRA requirements for certification and notification. 
Notice of Legal Action If Early Warning Services does not delete the disputed information from my consumer file, I will take legal action under 15 U.S.C. 1681, seeking damages for the inaccurate reporting and improper reinsertion of unverifiable data. 
Next Steps I request written confirmation of the permanent deletion of these accounts within 15 days of receiving this letter. Please also provide : 1. Copies of all documentation and communications used to verify the disputed information during the reinvestigation. 
2. A detailed explanation of how the reinvestigation was conducted.

3. The identity and contact information of all parties involved in verifying the disputed information. 
Thank you for your prompt attention to this matter. I expect your full compliance with FCRA guidelines to ensure the accuracy and integrity of my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent my first dispute letter to you dated XX/XX/XXXX and last XX/XX/XXXX, I sent out a follow up complaint / dispute letter to you with reference no. XXXX. Under section 611A, you are legally obliged to respond to my dispute letter within 30 days. Up to this days, I received no updates from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.
Product: Credit card

Never recieved replacement card got excuses and cancelled card without telling me was always paying on time poor customer service at chase visa
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to dispute and request the removal of the following outdated, inaccurate and information that does not belong to me. I sent this information Via Certified Mail # XXXX XXXX XXXX XXXX XXXX and they received and signed for the letter. I requested that the following information be deleted and they have not done so. 

Address Information : 1. XXXX XXXX XXXX XXXX XXXX, NC XXXX 2. XXXX XXXX XXXX XXXX, NC XXXX Employment Information : 1. XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

After executing the Contract Agreement ( XXXXXXXX XXXX ), I found that Ohio Revised Code limits APR on such loans. My agreement was for 96.85 % APR ( which felonious usury per ORC XXXX ), and requested that the company comply with the maximum interest rate allowable in Ohio per ORC 1321.13, and apply such excess usury interest payments applied to my principal per ORC 1343.04. Westlake Financial, dba Wilshire Consumer Credit, has refused to comply with any request for compliance with the ORC and I am now requesting that the Agreement be Null and Void ( per ORC 1312.02 ).
Product: Debt collection

I received a notice from Midland Funding LLC that I owed  XXXX  dollars and when I sent them a letter asking to verify the amount and what the debt was from I received a response that they did not have any information. I then continued to receive phone calls and letters trying to collect debt and contacted them to tell them I needed verification of the debt and they said they did not have to provide that information. This is not on my credit report and I do n't know what this debt collection is for. I would like th get this resolved.