23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX I requested a refund of my student loan payments made in XXXX to Mohela. My payments were made to XXXX. Mohela took over my loans later in XXXX. I received a letter from Mohela ( see attachment ) stating I would be given the number to Customer Advocacy Team in 14 calendar days. On XX/XX/XXXX I attempted to contact this Team with the number provided but it was a non-working number. I called Mohela and they gave me another number which was just the general phone line not Customer Advocacy Team. They then stated they would transfer me to the resolution department, no one answered after 30 minutes on the phone. I called back and asked for a supervisor or the numbers to the Customer Advocacy Team or Resolution Department they stated they can't provide me with those numbers for me. I have been waiting for a supervisor and have been on the phone for 1 hour and 30 minutes. I have been told that Department of Education FSA are the ones who received my request for a refund of the loan payments. I have no idea if they actually received it or where they are in the process.
Product: Mortgage

Ditech ( formerly Green Tree Servicing ) failed to perform annual escrow analysis in XX/XX/XXXX after becoming the new servicer which resulted in a huge escrow deficiency and payment increase in XX/XX/XXXX. QWR was sent to Ditech in XX/XX/XXXX to notify them of this RESPA violation and received unsatisfactory resolution. Further attempt to escalate was unsuccessful due to Ditech employee inadequately trained to properly research and address regulatory related complaints.
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 Finical Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable, unsecured 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

There is something " odd '' going on with my account I had a negative balance in my PayPal account ( of the chargeback less the PayPal fee ) after making several transfers to correct the problem it is finally fixed. 

I was wrongly charged for a PayPal XXXX XXXX for XXXX less the PayPal fee, that really is not supposed to be covered by PayPal as it is a SERVICE BEING SOLD. 

AFTER MAKING MORE THAN XXXX TRANSFER THE PROBLEM WAS NOT CORRECTED. YET THE PAYPAL DISPUTE HAS NOT BEEN ADJUDICATED YET? I would like a full accounting of both of my PayPal accounts ( XXXX XXXX My bank account that I have been trying to add for months will not allow me to add it and they are the correct deposits as you can see from the evidence attached
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I open an account in XX/XX/XXXX for dental work and agreed to pay XXXX a month until paid in full. XX/XX/XXXX when I paid the account in full and never used again .. now more than 4 years later I received a letter from XXXX XXXX dated XX/XX/XXXX stating the account will be closed for serious delinquency, time since delq is too recent or unknown, I was never late with a payment in the four years that I had this account and even paid in full early, When I called XXXX XXXX on XX/XX/XXXX I spoke to a woman who all she kept saying was that She will not help me if I continued to yell and get mad, I advised her I was not yelling and I was not angry yet. All she would do was transfer me to a XXXX XXXX XXXX ( that is the number he gave me as reference ). I told him that I was never late with a payment and if the account is paid in full how can I be seriously delinquent .He said to call XXXX XXXX the credit reporting agency. Again I told him you are the ones reporting to XXXX XXXX  this needs to be fixed now, he then was making Hmm sounds and did nothing for me, Since I have never paid this late and it has been more than 4 years since used. it I feel this should be taken off the credit report.
Product: Bank account or service

I deposited what turned out to be a fraudulent check drawn on Wells Fargo Bank by mobile deposit to my savings account at Wells Fargo on XX/XX/2017 at XXXX Pacific time for {$2400.00}. They gave me full availability of the {$2400.00} on XX/XX/2017 at which time I withdrew {$2200.00} and Wells Fargo then charged back the deposited check on XX/XX/2017 creating an overdraft in my account of over {$2000.00}. A Wells Fargo representative explained that they do not process mobile deposits until late the night one banking day after the deposit is made due to a Federal Reserve Bank regulation. This means they honored the withdrawal request before they processed the transaction. That gave me the false assurance that the deposited check was good. The cash is gone to the perpetrator and now the bank wants me to cover the overdraft. I am a XXXX and do not have the money. The fact they wait a whole banking day before processing these deposits is for their convenience and the consumer should not be held accountable for the consequences of this self-imposed delay. Also, the Uniform Commercial Code ( UCC ) 4-301 ( b ) addresses the final payment of on-us checks deposited and states that the payor bank has until midnight of the next banking day to decide whether to honor the check. If they do n't act by the midnight deadline, they lose the right to dishonor the check UCC 4-214 ( c ), 4-301 ( b ). The mobile deposit confirmation states " The following mobile deposit was made on XX/XX/2017 at XXXX Pacific Time '' and my account statement shows the deposit under the posting date of XX/XX/2017 so they obviously processed some part of the transaction on XX/XX/2017 in conflict with their stated practice of waiting one banking day. Therefore, under UCC 4-301 ( b ), the deposited check drawn on Wells Fargo Bank should have been returned and charged back under the posting date of XX/XX/2017. It was not. The charge back is posted under the banking date of XX/XX/2017.
Product: Credit card

On XX/XX/year>, Chase and Southwest were offering a promotion where you spend $ XXXX in 3mo and you'd receive XXXX points and a Southwest XXXX XXXX. I signed paperwork for this promotion and applied/was approved on XX/XX/XXXX during the promotion window. I hit the required spend amount, but instead of giving me the XXXX + XXXX XXXX  promotion, they gave me XXXX points and no XXXX XXXX. After escalating this with Chase, their market research team came to the conclusion that I had received the correct offer of XXXX points and XXXX XXXX XXXX. They informed me that no further escalation could be made. 

This is my last resort, as Chase has gone back on our cardmember agreement and refuses to honor the promotion I signed up for. I have email receipts showing I signed up on XX/XX/XXXX, but they still insist I got a different promotion. They have cost me thousands of dollars in lost rewards.
Product: Money transfer, virtual currency, or money service

My cash app was closed and all they could say I violated the terms and services. Cash App could not give me a explanation of the violation. It was millions of people 's accounts were closed for terms and services and no explanation. I provided Cash App with my bank statement showing that I have an legitimate business. I showed how I obtained my funds. Everything is legit. I asked for an limited increased when I asked that my account was closed. This is unfair and literally not right at all. I would like to know the reason my Cash App was taken and not just for Terms and Services. I would like my Cash App back opened as well. 


What did I violate? You can tell me that because I didn't violate anything. Your company is doing this to everyone. Every since the owner passed Cash App is trash. This is not right at all! This is awful and sad! 
You all haven't did anything. Like I said, you tell everyone this same thing without evidence. You don't give anyone no reason. The only reason is that I used cash app as a personal account when it should have been a XXXX XXXX account. Your business is closing everyone account for no reason at all. All cashapp can say violation of terms and conditions. This is lame! Also, unfair!!!! XXXX What did I violate? You can tell me that because I didn't violate anything. Your company is doing this to everyone. Every since the owner passed Cash App is trash. This is not right at all! This is awful and sad! 
This still not answering my question and everyone 's elses questions. You tell individuals he or she violates their terms and conditions without proof. That's the same as convicted a person without a trial or proof. 
So what documentation you want me to provide? When you asked me do I work. I answered the question. You asked me how much I make a year I answered. You asked me do I have second income. I answered. I provided you with id. I provided you everything. So, how did I violate by receiving funds and sending funds? 
What documentation do I need to provide to send and receive funds? Everything is legit and legal. This is not right or fair at all. 
You all haven't did anything. Like I said, you tell everyone this same thing without evidence. You don't give anyone no reason. The only reason is that I used cash app as a personal account when it should have been a self employed account. Your business is closing everyone account for no reason at all. All cashapp can say violation of terms and conditions. This is lame! Also, unfair!!!! 


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

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX {$3500.00} XXXX XXXX {$4400.00} XXXX XXXX {$3500.00} XXXX XXXX {$5700.00} XXXX {$8000.00} XXXX XXXX {$28000.00} XXXX XXXX XXXX   XXXX {$1100.00} XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX {$450.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting DUPLICATE accounts on the XXXX XXXX/XXXX/XXXX account numbers XXXX and XXXX. ( Please see page attached from my credit report. ) This is a violation of the Fair Credit Reporting Act and these two line items need to be removed from my credit report. This incorrect reporting of duplicate derogatory accounts is seriously harming my credit. I have contacted the bureau to remove these items however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX agreed to a pay to delete. XXXX XXXX  account is still reporting as a charge-off/ collection and paid for less than agreed. The same account is reporting multiple times on my report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. I also demand a updated credit report indicating the changes. 
Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts/inquiries listed IMMEDIATELY.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XX/XX/year> XXXX XXXX Dispute Department Dear XXXX XXXX Dispute Department, Subject : Dispute of Fraudulent Account and Past Due Payment My name is XXXX XXXX, and I am writing to dispute a recent matter concerning a past due payment of {$1000.00} associated with a XXXXXXXX XXXX account. I have received multiple letters regarding this debt, but I have no recollection of ever opening a bank account with XXXXXXXX XXXX 

As a minor, I have never personally opened a bank account, and I believe this account was created fraudulently as part of identity theft. I am approaching the age of XXXX and would like to resolve this issue promptly. I have filed a report with identitytheft.gov and am in the process of submitting another report with the Consumer Financial Protection Bureau ( CFPB ). 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXXXXXX XXXX  investigate this issue and take the necessary steps to close the fraudulent account and remove any associated debt. I should not be held responsible for a debt resulting from actions I did not authorize. 

Please confirm once this matter has been resolved. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

XX/XX/XXXX I received a billing statement showing the full amount of the loan being due instead of a regular monthly payment. I called First Citizen Bank XX/XX/XXXX to schedule an appointment to renew the loan. In speaking with XXXX XXXX she stated that she will have someone call. I received a call from XXXX XXXX and e-mail with an application for a consumer/HELOC application request. I wrote XXXX and advised her that the loan was not a consumer loan nor has it ever been a HELOC. I questioned if the correct process for a commercial renewal was being completed. She advised that is how they handle renewals. I completed the request as stated by XXXX. On XX/XX/XXXX I received a call from XXXX stating that my application had been denied and that my file was being turned over to the Loss Mitigation Department. I have had this particular loan for over 10 years and have never been delinquent. First Citizens did not give me an opportunity to look for other financing that would better fit my need and know  plan to place a negative mark on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is claiming that my accounts, i have 2 with them are closed, and in Bankruptcy.. i have never filed for Bankruptcy or plan to, and when i ask for them to give me information on my accounts, their telling me i need my lawyers to contact them if i want any info.. i dont have a lawyer or need a lawyer if my account are in good standing. This is not right if they made a mistake with my accounts they need to fix them, and provide me information why this is happing to my accounts.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX XXXX XXXXXXXX Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so! 

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit and incoming deposits. Capital one has cited technical issues, which may violate the electronic Funds Transfer ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to convey my discontent regarding the information stated in the response letter, which inaccurately identifies my complaint as originating from a third party. I want to clarify that I am personally submitting this request concerning the inaccuracies present in my credit file. To verify my identity, I have enclosed copies of my Driver 's License, Social Security card, and proof of address.
Product: Checking or savings account

My bank account was over drawn by {$430.00} after multiple overdraft fees being added and bills being deducted. As a XXXX XXXX XXXX, and recently going independent in that field, money gets tricky to come by in the beginning. I finally closed a sale. I received a {$12000.00} ( {$11000.00} ) check and deposited it on the morning of XX/XX/XXXX at XXXX XXXX, at my local Bank of America ATM. 

Of the {$12000.00} ( {$11000.00} ), {$300.00} was placed into my account. Still leaving it in the negative by {$130.00}. Still at risk of further over draft fees. The remaining {$11000.00} is placed on hold until XX/XX/XXXX. 

I will continue to have bills drawing on the account. Again putting me at further risk of over draft fees. 

On the receipt from the ATM at the time of the deposit, it does give me a reason for the hold. " A hold was placed on your deposit because the account had multiple overdrafts in the last six months. '' I get that. But to hold {$11000.00} back over {$430.00}, seems extreme. I can see holding a chunk. But no, they leave me negative and will keep collecting over draft fees and making money. I have bills and need to survive.

I have called Bank of America twice and gone into the branch at which I deposited the check. Everyone tells me the same thing, my account is high risk and nothing can be done about the hold.