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

I have the authentic images of 2 withdrawals from my XXXX checking account on XX/XX/2008. The first is for {$200.00} and then shortly after for {$7000.00}. My name is not even correct and the signature is not close to my own. I have a claim number and Wells Fargo conducted an investigation but then said that it had occurred too long ago. They knew the date before they opened the investigation so that reason does not even make any sense. They will not tell me any findings. I believe this was an inside job by the bank. Both images have XXXX, PA on them. I bank in XXXX XXXX MD. I have NEVER done two withdrawals on the same day. Again, the name is NOT my name and the signature is very obviously not mine. 

I provided the bank with the images for both withdrawals. However if necessary I can provide those again.
Product: Debt collection

in 2016 I contacted XXXX communications directly. They agreed to remove the debt from my credit due to faulty and improper information. I have a correspondence dated XXXX to XXXX and XXXX XXXX XXXX. They removed the debt from my credit and stopped mailing letters and correspondence. 

Now I receive a new collection, listed upon my stellar credit with the same amount and under a new collection company. Waypoint Resource Group out of XXXX XXXX Texas. 

I have a nasty gram letter I have written to them as well penned today XXXX. 

This was already removed by XXXX Once it is to stay removed!!!! Period!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, ENHANCED RECOVERY COMPAN # XXXX, XXXX XXXX XXXX # XXXX.
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 and The Family Educational Rights and Privacy Act ( FERPA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 


XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 

The Family Educational Rights and Privacy Act ( FERPA )
Product: Credit card or prepaid card

I received a letter about a card for my unemployment during the month of XXXX. When I didnt receive the card, I called an spoke to a rep who said that he was putting a replacement card in the mail on that night ( XX/XX/2020 ). I still have not received the card.
Product: Credit card

For the past several months, Bank of America Credit Card Services has been miscalculating finance charges and misapplying payments between XXXX different categories of regular purchases, cash advances and balance transfers. The allocations are not in accordance with federal guidelines. I contacted Bank of America on multiple occasions and each time received a different explanation as to how they achieved these magical calculations. I had the issue escalated to a special team of managers who finally admitted there was an error with how their system is calculating finance charges but they also explained that I was the only consumer that had brought this to their attention. They asked for one weeks time to look into the issue as they were going to have to escalate the problem even further internally. My ultimate concern is that this issue is on a grand scale and that XXXX of other consumers are being affected. I plan to initiate a class action investigation into the issue but wanted to file any formal complaints necessary immediately. I am not implying nor do I have any evidence suggesting that Bank of America has acted maliciously, however it is deeply concerning that it was so difficult to get anyone within customer service to recognize or admit there was in fact an issue. I had to literally teach them why their multiple explanations were incorrect and I do n't believe the average consumer would be as persistent. The representatives all seemed confident in their inconsistent explanations regarding the calculations so this could certainly be a training issue on top of the finance charge calculation error. When the latest manager realized I was correct in MY calculations, she seemed shocked herself.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns in regards to Zelle 's handling of disputes, due to the fact that the CFPB has recently filed a lawsuit highlight some big issues with the platform. Despite having used Zelle on numerous occasions, some of my banking institutions failed to warn me that it would be impossible to recover any lost funds and that the tracking of the transactions was unfeasible. The lawsuit from the CFPB indicates that Zelle has neglected, allowed repeated offenders to exploit the system and leaving users to be subject to vulnerable scams. This lack of transparency and negligence is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my seconded compliant, in accordance with the fair credit reporting act. the list of accounts below has violated my fedrally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account name : XXXX # XXXX account name : XXXX XXXXXXXX # XXXX account name : XXXX XXXX XXXX XXXXXXXX account name : XXXX XXXX XXXX XXXX # XXXX account name : XXXX XXXX # XXXX account name : XXXX XXXX XXXXXXXX account namXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account name : XXXXXXXX XXXX  ( original creditor XXXX XXXX XXXX  ) # XXXX account name : XXXX, XXXX ( original creditor : XXXX XXXX XXXX XXXX ) # XXXX 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c ( 5 ) 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. Code 1681s2 ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Mortgage

We paid off our mortgage ( {$430000.00} ) with Roundpoint Mortgage by wire transfer on XX/XX/20. Legally they were required to return our escrow ( {$8000.00} ) within 20 business days. It came at the beginning of XXXX, though the check was dated XX/XX/20. 
First they said it was the USPS 's fault, then when we found & emailed a copy of their envelope with a metered mail date of XX/XX/20, they insisted it was not their own postage meter, but the Post Office 's and that the Post Office must have held onto or " lost '' it. We took the envelope to the Post Office and they said it was NOT their stamp. This means Roundpoint did not send us a check until 34 business days later instead of the required 20 days. Now they insist that the USPS made a mistake and must have kept the envelope for a while and then returned the envelope to them & then Roundpoint sent it to us. 
They made interest off our " stolen '' money, but more importantly, they probably do this routinely and are therefore making tons of interest by paying escrows late. I believe this may be the case given how the people I spoke to seem to be trained to come up with one excuse after the next and deny, deny, deny. 
Can anything be done to Roundpoint? Are there other complaints about them doing this?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ). Due to adequate customer service and unfair practices which violate the Consumer Financial Protection Act. ( CFPA ) .Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions had caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/year> about XXXX XXXX. I deposited a check for {$7800.00} with a teller inside the Chase Bank in XXXX XXXX, XXXX. I went back and checked my banking application and it showed the deposit and everything was fine. The XXXX XXXX XXXXXXXX when i checked my account, there was no evidence that a check had been deposited. It show the {$500.00} withdrawal that I made but no deposit. I went to the bank today XX/XX/year> to inquiry about my money. They show me that the check had been deposited but they had so ideal what happened to the money. No transactions were made from my end but they could not tell me where my money is. According to the bank, the checked was deposited but they don't know what happen to it. They told me to go home and wait.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : - XXXX XXXXXXXX - Account Number : XXXX - XXXX - Account Number : XXXX
Product: Mortgage

On XXXX/XXXX/17 Eagle Mortgage loan officer XXXX XXXX. said I pre qualify for {$100000.00} Conventional loan, and {$100000.00} FHA. XX/XX/17 Did Rapid Rescore with XXXXXXXX17 was told by XXXX rescore is back did n't increase score so the loan amount has to go down to {$80000.00}. Asked XXXX for pre-approval letter on XX/XX/17 re-requested it on XX/XX/17. An offer was put on house on XXXXXXXX17 started working with XXXX XXXX.I was told they could no longer keep my previous approval, and I had to put a bigger down payment of {$150000.00}. received loan disclosures on XX/XX/17.My loan amount was lowered again to {$75000.00} was told they where trying to keep me in the {$700.00} range. I was already quoted {$100000.00} by XXXX to stay in the {$700.00} range.On XXXX17 received loan disclosures. Did not sign was uncomfortable.XX/XX/17 Me, and realtor XXXX XXXX went into office so they can explain them.XX/XX/17 Turned in all requested documents to XXXX was told everything was good.XX/XX/17 received approval commitment letter from XXXX XXXX17 received call from XXXX asking questions about documents XXXX We already went over and she said was good.XX/XX/17 XXXX told XXXX my son birth certificate was needed. XXXX faxed it in that day. XXXX/XXXX/17 XXXX called said loan is denied due to sons income not continuing for 3 years, his birthday being 1 month shy.If I could get a co-signer? I would need one to get approved. XXXX/XXXX/17 had to inform listing agent loan was n't approved. She called XXXX XXXX, and he told her I filled out the wrong birthday on application. I was never asked to fill out a application, I never filled one out. Nor sign one. Somebody in that company committed fraud by submitting an application for me. with the wrong information. Nobody asked me how old my son was. My name is being defamed by XXXX telling the realtor. I put information on an application I never filled out. That company has committed fraud, and defamation. My loan was denied because of the way they handled my loan. We started this process in XXXX. that 's when the application process should of started. They were doing my rescore, and I had turned in income verification, and bank statements. So they knew I was applying for a loan through them, but never offered me a application to sign. So there is no record of a date. XXXX lied on me. By saying I put the wrong information. Making me look like. I lied, or tried to commit fraud. I was putting in over half of the money for the house.It is my judgement the way they handled my claim. I do n't believe they were really trying to give me a loan, and waited 2 weeks before closing to tell me I 'm denied. After they said I was approved. I feel discriminated against because I am a XXXX XXXX women. I have records of our conversations if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by the XXXX data breach and may have got into the wrong hands of the wrong person Inquiries : XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX, the debt Collectors for XXXX XXXX XXXX XXXX ( XXXX  ), offered me a settlement in the amount of {$2600.00}. The terms were to be paid in the amount of {$290.00} monthly until paid as agreed. I made an initial payment on that same day via XXXX XXXX. I made other payments via my XXXX checking accountand the final payment of {$1700.00} on XX/XX/2022, via XXXX visa. The account has been paid as agreed. 

I contacted XXXX several days after my final payment to confirm that their system reflected that I had paid as agreed, but the system had not updated the current payment status. On XX/XX/2022, I disputed the inaccurate info on my credit report. Experian subsequently notified me on XX/XX/2022, that my dispute was completeyet, No changes had been made to the inaccurate information. To date, XXXX still has me owing them $ XXXX.
Product: Checking or savings account

I received my daily pay deposit of {$99.00} @ XXXX XX/XX/XXXX I went to the front desk at XXXX XXXX XXXX to pay for my room at XXXX I ran my debit card, and the general manager said it was declined {$78.00}. 
I reviewed my Chime App and showed her that the transaction went through, the manager said that she did not get paid, so I would not get a room for the night. 
I called chime and spoke to a supervisor and explained what was going on. The supervisor was able to reverse the pending payment, so I could pay for the room. The general manager at the hotel ran the charge and it cleared. 

I was able to confirm that the orginal charge date for the payment that cleared on XX/XX/XXXX was from XX/XX/XXXX. 

I paid 2 x {$78.00} for 1 night stay at hotel
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EXPERIAN and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

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

I am not an attorney or third party rep. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARES Act, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am questing some accommodations so I care to protect the integrity of my credit file. 
CREDIT ACCEPTANCE CORPORATION # XXXX account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting, credit repair services, or other personal consumer reports

N Accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Acct Number XXXX XXXX XXXX Collection # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Collection # XXXX XXXX XXXX  Acct Number XXXX XX/XX/2022 # XXXX XXXX XXXXXXXX Acct Number XXXX XX/XX/2022 # XXXX  Acct Number 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 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX clearly identifying their violations of my consumer rights in the letter I sent and demanding the deletion of this loan on my consumer report. XXXX has sent a letter back disregarding my letter in completion and all that I stated saying that they will not be conducting an investigation even though I have supplied them with all the Fair Credit report laws that the company was in violation of.

The reporting of this account is in violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 

more specifically the XXXX Act 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN XXXX XXXX XXXX may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX did not disclose this information to me that is required by federal law. 
XXXX knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties. 
XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option. 

Please see attached the letter sent to XXXX  addressing this violation and their letter back to me.
Product: Credit card or prepaid card

Capital One reviewed my XXXX consumer report as a " Promotional Inquiry '' on XX/XX/2022. On or about XX/XX/2022 I received a PRE-QUALIFIED Offer in the mail for a Capital One Walmart Rewards Card. I applied and was denied via an Adverse Action letter that was emailed to me on or about XX/XX/2022. Also on XX/XX/2022 Capital One obtained information from my XXXX credit file. I mailed Capital One a certified letter on XX/XX/2022, to request a copy of my application, to address inaccuracies in their reasons for denial and to request the specific criteria used for pre-qualification. I have not received a response from Capital One. In addition, Capital One willfully failed to comply with 15 USC 1681m ( d ) ( 1 ) in their written solicitation which is an unfair and deceptive act enforceable by the Federal Trade Commission, 15 USC 1681s.
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. 
These Accounts below are reporting late payments and that is inaccurate and that also is a violation. Late payments are illegal 15 USC 1666B States Timing of payments. 
1.CXXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$420.00} 2 Late Payments inaccurate please remove. illigel report. 
Violation 2. XXXX XXXX Opened : XX/XX/XXXX Account # XXXX {$8000.00} Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 3.XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Account XXXX XXXX Please Remove these late payments there's 90 days late and that is inaccurate. illegal 15 USC 1666B States Timing of payments. 
Violation 15 U.S. Code 1605 - Determination of Charge 4. XXXX Opened XX/XX/XXXX Account # XXXX Unauthorized account/ I have no knowledge of this account. Please remove it from the credit report. 
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 instructions. 
Violation 5. XXXX XXXX XXXX Opened XX/XX/XXXX Account # XXXX Please remove this immediately USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation 6.XXXX XXXX opened XX/XX/XXXX {$3800.00} Opened XX/XX/XXXX {$2000.00} Account # XXXX 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 instructions. 
USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation 7XXXX XXXX XXXXXXXX XXXX Duplicate account ( Double jeopardy ) Account # XXXX Opened XX/XX/XXXX {$1700.00} 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 instructions. 
USC 1666B States Timing of payments. 
15 U.S. Code 1605 - Determination of Charge Violation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 under 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 to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding that the account listed is deleted IMMEDIATELY!