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

I opened a Citi Savings account, in XXXX ( XXXX, approximately ). I have since made XXXX deposits ( XXXX {$1000.00} deposits, and XXXX {$2000.00} deposits ), totaling {$6000.00} USD. As of yesterday, XX/XX/year>, around XXXX CST, there is no sign of my Citi Savings account on the mobile app. Ive been using a Citi credit card for about two years, with no issues. The credit card portion of my business with them is still active, and manageable on the mobile app. But, zero sign of my savings account. 

Ive reached out to Citi customer service, and have spoken with a plethora of associates, to no avail. The bank is asking me for information I have no access to, and refusing to proceed with the process without it. Ive also been in contact with my hometown bank, that the transfers were initiated from. Theyve been unable to assist in the issue. I simply want to access my money, know its safe, and ultimately remove all business with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are falsely reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

I am submitting a complaint to the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer, along with other incoming deposits. These funds were expected on Wednesday, but no later than Friday morning, and have still not been received. Capital One has attributed the issue to technical difficulties, which may constitute a violation of the Electronic Funds Transfer Act ( EFTA ), as the act mandates timely access to funds. This raises serious concerns about potential breaches of consumer protection laws. I kindly request your assistance in investigating this matter to ensure that my rights are protected. Thank you.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B necessitates the removal of any erroneous accounts from my credit report. Can you check the documents? Some of the listed accounts are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing you in regards to late payments on my credit reports (  XXXX ,  XXXX , and   XXXX    XXXX  for my  Victorias Secret  account.     I understand how important it is to make timely payments, and that failure to do so can create inconvenience for you. However, I missed payments because at the time I was very young and did not have a general understanding of how all student loans work. Over the past couple of years, I have experienced job loss, loss of a child, and an eviction. In the last year, I have achieved job stability in which I am truly confident that I will not miss any payments. I have taken steps to ensure my financial responsibility moving forward.     As a courtesy, I am requesting that  Victorias Secret  make a goodwill adjustment and remove the late payments for the following credit card ; so that I may qualify for a USDA home loan. I understand that I am requesting a lot from you, but please know that any consideration would be a blessing.      XXXX   6 M issed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX    XXXX    6  Missed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX    XXXX    6  Missed Payments  XXXX  and  XXXX   XXXX   XXXX ,  XXXX ,  XXXX , and  XXXX   XXXX  I have worked extremely hard to get back on my feet and repair my credit. This will definitely help improve my credit worthiness and give me the renewed confidence as a  Victorias Secret c ustomer in good standing.     Thank you for your time and consideration  XXXX   XXXX
Product: Debt collection

On XX/XX/XXXX my daughter had dental work done we have dental insurance at the time so some of it was paid. On XX/XX/XXXX I paid last payment and got a receipt saying patient balance XXXX. I call the insurance company today and got them to look into the account and see if they have proof that the insurance paid their part and they did. I called the collection company today and the lady kept saying I owed it and that that receipt was old and that I owed it. I told her it clearly says patient balance zero. She was not making since. If you see a statement that says the patient balance is zero how can you argue that. I told her do not contact me again about this no more letters which the only letter I have is the one I got today. To add to this I only knew about this cause its on my credit report so the collection department sent me a letter. Saying I owe it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress they allowed a company to steal {$3500.00} From me and never looked into the matter they had a bot.
Product: Debt collection

XXXX XXXX XXXX XXXX billed us {$310.00} and we paid it. There was a delay in paying in because XXXX XXXX XXXX XXXX made numerous errors on the original billing including billing us twice for the same thing. We spent many hours on the phone with them trying to fix their mistakes. We waited for them to correctly resubmit the insurance claim and not bill us twice for the same thing. Once these issues were resolved we promptly paid the {$310.00} bill on XX/XX/XXXX. I have a copy of the check that was cashed by them evidencing payment. 

However, XXXX XXXX XXXX XXXX still sent this to a collection agency, Transworld Systems Inc. These people are terrible. I promptly responded to their original notice from XX/XX/XXXX. They sent another notice on XX/XX/XXXX which I wrote a very detailed response explaining to them why I do NOT owe this money and I provided the evidence in the form of the cashed check. They sent me another letter dated XX/XX/XXXX still looking for the money. Now I have to waste more of my time and energy responding to them again. 

I do NOT owe this money and I will NOT pay it. I take my financial obligations very seriously. I pay all of my obligations on time every time. At this point, XXXX XXXX XXXX is harassing me and trying to extort money from me for something I already paid.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in to be removed.

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

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

XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not reported my credit report or score since I have opened the free account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, XXXX, and Experian )
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part. 

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : XXXX XXXX - Account # : XXXX - Balance : {$210.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$630.00}
Product: Credit reporting or other personal consumer reports

It has come to my attention that both Jefferson Capital Systems and XXXX XXXX XXXX are illegally reporting nonpublic private information on my consumer report. I have made them aware of this problem and also filed the appropriate FTC report in regard to the information being reported. This information is required by law to be blocked within 4 days of this notice or else a lawsuit will be filed.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

ONEMAIN XXXX Balance Owed {$7300.00} XXXX XXXX XXXX Balance Owed {$2900.00} XXXX XXXX  XXXX Balance Owed {$1500.00}
Product: Mortgage

My loan servicing was transferred from XXXX  to XXXX XXXX. It was supposed to be effective XX/XX/2019. There is a regular payment and two additional principal payments I made to XXXX that were not reflected in the balance XXXX XXXX stated I owed. Specifically, the balance XXXX  says was transferred was {$460000.00} and the balance XXXX XXXX said I owed in the first statement received from them was {$470000.00}. The balance of {$470000.00} was the principal balance of my loan with XXXX   after I made the regular payment to XXXX on XX/XX/2019. I made an additional principal payment on XX/XX/2019 of {$310.00} to XXXX. I also made another regular payment to XXXX of {$2200.00} along with an additional principal payment to XXXX of {$310.00} on XX/XX/2019. The amount of {$2900.00} is essentially missing. I have sent a detailed letter to both companies and had numerous phone calls with both companies. Both companies deny any error. This entire issue appears to possibly be caused by XXXX XXXX 's records reflecting my loan was transferred to XXXX XXXX on XX/XX/2019 instead of XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not know my credit was being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are fraudulent on my accounts : XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX/XXXX  is fraudulent on my credit Account # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes partially in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed that recovering lost funds was impossible and tracking these transactions were unfeasible. The CFPBs 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. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Checking or savings account

On XXXX XXXX my bank allowed someone else to say what checks wrote on my account could be paid and which ones could not be paid. 
I told the banker that I knew about this check and I okayed the check to be paid. The banker stated to my sisters the only way they would unfreeze my account was if I took my niece off the account. I said I would not do that. My sisters then removed my niece and added their selves to the account.
Product: Checking or savings account

I am, XXXX XXXX is the co-owner of this account # XXXX along with her my grandson, XXXX XXXX XXXX. This is a XXXX XXXX account that was created for him to learn about personal finance. He is in an out of town XXXX XXXX and he rarely accessed his account. In XXXX of this year we noticed significant and frequent withdrawals from his account in the total amount around {$1100.00}. None of this belongs to him. When we contacted Chase about the fraudulent activity on the account, they opened a claim and on XX/XX/2022 refunded all of the money stolen. However on XX/XX/2022 they deducted & XXXX that they had previously refunded. When we contacted their Customer Service about this deduction, they claimed we contacted them more then 60 days after the fraud activity.
Product: Credit reporting or other personal consumer reports

These accounts have incorrect information with late payments, please verify 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: Credit reporting, credit repair services, or other personal consumer reports

Sent out serval supporting documents for the credit bureau and the third parties to do and proper investigation and they refuses to update me on documents of their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these inquiries must be verified ( A ). I will bring legal action against you if you do not verify these inquiries. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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: Checking or savings account

On XX/XX/XXXX coming back from a fishing trip, I received a call from who I thought was Wells Fargo. This Person fraudulently hacked my account and Transferred {$5600.00} from my personal account to my business account and then XXXX out {$4000.00}. This person was not enrolled in my XXXX. Which causes the transfer to take more time to clear giving it a pending transaction which can be stopped. I called the bank immediately. After finding out I was hacked on the XXXX requesting a stop payment which The lady on the phone told me my funds were safe and I didnt have to worry about it gave me a claim number and told me I needed to open a new account in the morning the next morning I go to the bank give her my claim number and theres no information about a stop payment. I know they have recordings of all the conversations and theyve lied to us telling us that the charge could not have been stopped. Ive done my research and yes, it could have been stopped, but Wells Fargo messed up and doesnt want to do right by customer.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XX/XX/XXXX2024 XX/XX/XXXX/2024 XX/XX/XXXX/2024 XX/XX/XXXX2024 XX/XX/XXXX/2024XX/XX/XXXX XX/XX/XXXX/2024 XX/XX/XXXX2024XX/XX/year>
Product: Checking or savings account

I went to the truist bank mid XX/XX/2022 to let them know that my sister 's wallet may have been taken out out the hospital. I ask them to freeze the account, then asked me to get a police report, i done that. She passed away XX/XX/2022. Truist never frozen the account so XXXX, XXXX was taken from her account After DEATH. I am the P.O.A, Beneficiary of the account and the estate of the Deceased. After funeral services I took them all documents what they ask for was death Certificate and P.O.A information. In mid XXXX of XX/XX/XXXX. I received information that I was only getting XXXX XXXX back and the other XXXX XXXX was going to be Disputed. Now truist is say the account is block. They are looking at the account because staff didn't handle properly and it only XXXX in the account now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of 3. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of Equifax Data Breach Victim
Product: Credit card

I believe Wells Fargo violated The Truth in Lending Act ( TILA, also known as regulation Z ), which requires lenders to disclose information about all charges and fees associated with the loan. 
My husband and I have applied and were approved for Wells Fargo Credit Card In XXXX of XXXX. The credit card was advertised as 0 % interest for the first 12 months. 
However, after 12 months of using the card and making regular timely payments, we were charged a very large interest amount, which was the interest for the whole first 12 months. The amount was {$2200.00} and it was charged in XXXX XXXX ( see statement attached ). Note, it was NOT interest on current balance, it was interest for the whole first 12 months, which was advertised to be 0 %. 
I have reached out to Wells Fargo and stated that they advertised 0 % interest for the first 12 months, but ended up charging all that interest in XXXX payment after 12 months. I stated that it was false advertisement and requested {$2200.00} refunded. Wells Fargo responded stating that my husband and I signed the disclosure outlining the fact that first 12 months interest will be charged after 12 months. Neither me nor my husband remember signing that disclosure. I asked Wells Fargo to provide the signed disclosure, but I later received a letter from them stating they were unable to locate the disclosure ( see the letter attached ). I was also told by Wells Fargo over the phone that every monthly statement we received had the information about interest for the first 12 months being charged in bulk after 12 months. However, I have inspected all monthly statements and can confirm that it is not true, that information is not on the statements ( see attached ).