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

On XXXX XXXX, we recieved emails from BOA that at least 5 separate ATM/debit charges were incurred. We notified BOA immediately and instructed that these charges were fraudulant. BOA was able to cancel 3 of the charges ( XXXX XXXX XXXX for {$230.00} ; XXXX  XXXX XXXX XXXX # XXXX, XXXX for {$500.00} ; and XXXX XXXX XXXX XXXX XXXX For {$500.00}. These were listed as purchase without pin. 

Two charges were paid and our account was charged : XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ) for {$500.00} and XXXX XXXX # XXXX for Gasoline/fuel. 

We ONLY use our ATM card to get cash from BOA. We have NEVER used our ATM card to purchase items. Clearly, these are fraudulant charges as we were at the beach in Delaware on XX/XX/2024. 

BOA claims they investigated and denied our claim of fraud. Basically, they say we allowed our card or number to be used. Theft occurred, plain and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA is still reporting an open personal loan with and $ XXXX balance that was paid off over 90 days ago. This is affecting my Debt to income when Im trying to buy a new home. Ive tried to resolve this with USAA and their representatives are completely incompetent.
Product: Debt collection

I am requesting copies of the original mortgage assignment to Chase for this loan. 

I would like to see documents that show when Chase was assigned the right to collect or service this mortgage loan.
Product: Credit reporting or other personal consumer reports

XXXX claims to have verified the account XXXX XXXX as accurately belonging to me but they did not provide me with any evidence in which they used to validate and verify this account as belonging to me. I would like the information that they used to verify this account so I may follow up with them about this account and information being supplied to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXXXXXX ...., XXXX XXXX  XXXX ...., XXXX XXXX XXXX XXXX ... .., XXXX XXXX XXXX XXXXXXXX ...,, XXXX XXXX XXXX XXXX..XXXX XXXX XXXX XXXX ... .., XXXX XXXX ... .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: Debt collection

I was evicted by the landlord in question for paying the rent a few days late, less than 30 days, and me and my husband XXXX XXXX were singled out in order for the landlord to raise the rent from {$1800.00} monthly to {$2500.00} monthly. At the time of the eviction, according to the XXXX County Clerk of Courts, said company was not evicting any other tenants for the reason that we were evicted. Now said company/agenty is trying to collect from us an unlawful debt of {$3300.00} and has reported us to collection bureaus. 
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Product: Mortgage

Shellpoint Mortgage Servicing has not been applying my monthly mortgage payments correctly or properly and because of there misappropriation of last month payment my account is showing an arrearage/missed payment.
Product: Checking or savings account

I MADE 3 DEPOSITS TO MY ACCOUNT TOTALING {$2300.00} WHICH HAS BEEN ON HOD SINCE XXXX.PNC BANK PUT THE FUNDS ON HOLD ON THAT DAY AND HAVE NOT RELEASED THEM, THEN PNC BANK TOLD ME THAT THEY ARE WAITING FOR THEN CHECKS TO NOT CLEAR AND THEN THEY WILL SEND BACK THE FUNDS AND CLOSE THE ACCOUNT. THEY SAID, PNC BANK, THAT THE MAKER OF THE CHECKS SAID THAT THE CHECKS WERE MEANT FOR SOMEONE ELSE NOT ME. I WORK IN THE XXXX XXXX SO IF THE GUY SAID THAT IT WOULD BE BECAUSE THEY DONT WANT THEIR XXXX TO KNOW ABOUT THE EXTRA ACTIVITIES. AND I AM SUPPOSE TO KEEP THINGS PRIVATE. I HAVE SPOKEN TO THE MAKERS OF THE CHECKS AND THEY ARE VERY ANGER AND TALKING ABOUT THAT I HAVE VIOLATED THE TERMS FOR THE CONTRACT THAT I SET UP, AND SUING ME IF THERE XXXX FIND OUT.I HAVE NEVE RHEARD OF A BANK CALLING EVERY CHECK DEPOSIT MADE INTO AN ACCOUNT I THINK THAT THIS IS DISCRIMANITION ON THERE HALF.
Product: Credit reporting or other personal consumer reports

I have identified several discrepancies that I need addressed promptly. 

I have fully satisfied the debt associated with the XXXX XXXX  account. Despite this, the account continues to appear as a negative item on my credit report. The status should reflect " Paid in Full '' or " Closed '' with a XXXX balance. I have already had this corrected with XXXX, but the updates are not reflected on my reports with TransUnion and XXXX. 

XXXX XXXX XXXX XXXX account was charged off and sent to a third-party collection agency without my consent. This action contravenes the Fair Credit Reporting Act ( FCRA ) as I was not notified of the charge-off, nor was I provided with a valid opportunity to dispute or address the charge-off before it was reported. Although this account has been updated with XXXX, it remains incorrectly reported on TransUnion and XXXX.
Product: Checking or savings account

Hello, my name is XXXX XXXX. I was a victim of fraud, and am contacting again regarding a {$9100.00} check request I made from my closed XXXX investment account that was issued back in XX/XX/2022 and drawn on 53rd bank. I didn't received the check, because it was sent to my previous address, so when I contacted XXXX, I was told that the check has been fraudulently deposited by someone I don't know. I requested a stop payment and a return of my funds, and I was told that they're going to work on it. After that, I contacted XXXX again for my funds, I was told that my XXXX account was already closed, that the returned funds were unable to settle back into my closed XXXX account, and that the funds were returned back to the originating bank. Since last year I've been on this matter with XXXX. Around XXXX this year, I was sent a fraud packet kit from XXXX with 53rd bank on it to fill out and notarized. I did everything as instructed and mail it to XXXX XXXX XXXX which is XXXX XXXX assets Custodial. Few days later, I was provided with case number. Since then I have not yet received any valid update regarding my funds from XXXX XXXX or XXXX XXXX XXXX and even 53rd bank.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX 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: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, and XXXX credit agencies are reporting incorrect information on my credit report with address, phone number, and wrong name being reported. I have asked that they be removed and other credit reporting issues that are being reported without my written consent. 

The laws that they are breaking are 15 USC 1992, 15 USC 1681c-1,15 USC 1681c-2 , 15 USC 1681i, 15 USC 1681b, 15 USC 1125, and 15 USC 1695.

I have sent a dispute letter to each Agency and there has not been a response so I am asking for CFPB for your assistance in this matter.
Product: Mortgage

I satisfied two mortgages ( see attached letter ) in XXXX, XXXX to form a single line of credit with PHH Mortgage ( or someone on its behalf ). The consolidated mortgages ' satisfaction was improperly drafted/defective, and recorded in this manner. Upon my attempt to sell this property, I have been unable to fully clear title and {$27000.00} of sale funds are being held in escrow and not made available to me. My attorneys : XXXX, XXXX XXXX XXXX XXXX XXXX reached out to PHH Mortgage Services Corp. on XX/XX/XXXX. Since this date, they have faxed, re-faxed, and followed up by phone numerous times ( see additional, attached documentation ) to request the satisfaction be corrected. Now, a month following closing on the property, my attorneys still have not received the corrected mortgages satisfaction. PHH Mortgage initially responded to my attorneys ' calls and provided updates, but now, for over two weeks, no response and no corrected document, as promised. Please assist me, and see attached, additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax violated the credit reporting regulations set by the fair credit reporting act by misplacing and distorting my entire credit report data. Multiple agencies can not access or receive wrongful information when trying to pull my equifax report. I am affected at a personal and at a financial level because of the innacuracies that may be present in my problematic credit report with this particular agency ( equifax ). Third party companies misrepresent a fair score and do not update accordingly due to equifaxs negligence. 

I have filed a complaint with equifax and forwarded all required information to verify who I am and so that they XXXX resolve my concern but this has not resulted in a constructive resolution and they still misuse and misconstrue my credit report accounts and all of its data combined.
Product: Checking or savings account

I have contacted TD Bank on 6 different occasions to close my checking account. Each time they fail to do so. I dont have any money with TD Bank but they keep my account open to charge me fees. I have asked 6 times on 6 different occasions online and over the phone to close my account. 

CLOSE MY ACCOUNT TD BANK!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes with Equifax, XXXX, and XXXX regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/202, I sent a letter to the credit bureaus in regards to inaccurate information being reported on my credit report. To this day 60 days later I have not received a response in regards to this dispute, to my understanding that have around 30 days to conduct a investigation to correct these inaccurate items or remove them from the report as stated in Section 611 ( A ) .. Since it has been 60 days to this date I demand that these accounts be removed from my credit report immediately or I will file for litigation due to the stress I have endured. My information was impacted by the Equifax data breach.
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 CFPA. Specifically, Cash app failed to take timely and effective measures to prevent and address Frau don their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I see appropriate redress for these violations.
Product: Credit card

I " bought '' a refrigerator from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, but wo n't deliver the refrigerator until XXXX/XXXX/2016. 

I " bought '' a tv from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, said they would deliver it on XXXX/XXXX/2016, but now say they ca n't. 

I complained to the Best Buy store manager that they should not charge my credit card until they actually deliver the product. The manager said charging my credit card immediately was their " policy. ''
Product: Debt collection

Dear TransUnion, I am writing to dispute a debt collection account reported by XXXX XXXX XXXX on my credit report. The account number is [ XXXX ], and I have never had any business dealings or agreement with this company. I have no knowledge of this debt, and I am asserting that this is an error.

Under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act, I am formally requesting that Spring Oak CAP cease communication regarding this debt, and that the debt be removed from my credit report. I have never conducted any business with this company, and therefore, I believe this debt should not be reported on my file.

Please investigate this matter thoroughly and ensure that this inaccurate account is removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). I expect a resolution within 30 days of receiving this letter.

Enclosed, you will find a copy of my credit report with the disputed account highlighted. Should you require additional information or documentation from me, please do not hesitate to contact me. 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Consumer Loan

Ally Financial make incessant calls prior to late payment calling my parents, neighbors, relatives to the point of harassment also divulging personal information and threats. 
They will not relent.
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 proce 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 30 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Product: Credit reporting or other personal consumer reports

my information was sold and bought illegally because i was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts and hard and soft inquiries on my report as well as remove false personal information that has caused me so much harm since XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX 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 i have also been sued for a payday loan from online in XXXX as far as i know i have at least XXXX hard inquiries on my credit report i am unable to get loans or apts or a bank account i have to use prepaid cards for everything which has really affected my life i opened my own business tis year and i cant get a business loan to support my business i have suffered so much these past 4 years and i need this fixed please please help me get these things off my credit XXXX \o i can have my life back
Product: Credit reporting or other personal consumer reports

I am filing this complaint against ChexSystems , Inc. due to their improper handling of my dispute concerning a reported unpaid balance with XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Background : I had an account with XXXX XXXX XXXX, which was closed with a reported balance of {$470.00} on XX/XX/XXXX. The balance resulted from XXXX debit transactions and fees posted between XX/XX/XXXX, and XX/XX/XXXX. 
Dispute and Reinvestigation : I disputed this information with ChexSystems, asserting that the balance had been paid. However, in their response dated XX/XX/XXXX, ChexSystems stated that the information was verified as accurate by XXXX XXXX XXXX and refused to correct the information. Despite my dispute, the report continues to show the account as " unpaid. '' Lack of Proper Investigation : ChexSystems deemed my dispute as frivolous or irrelevant, even though I provided all necessary information to support my claim. They did not request any additional documentation or offer guidance on how to resolve the issue if they required further proof of payment. Their failure to engage in a meaningful investigation is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Inability to Obtain Proof : Despite multiple attempts to obtain a payment receipt from XXXX XXXX XXXX, I was only provided with an old statement showing a balance, which does not accurately reflect the current status of my account. Furthermore, XXXX XXXX XXXX advised me that if I had proof of payment, I should bring it into the branch, which implies that they do not maintain accurate or up-to-date records of payments. This further complicates my ability to resolve the dispute and underscores the need for ChexSystems to conduct a more thorough investigation. 
Ongoing Harm : The continued reporting of this erroneous information by ChexSystems is causing significant damage to my credit reputation and financial well-being. It has made it difficult for me to obtain financial products and services, and I am being unfairly penalized for an issue that should have been resolved. 
Request for Assistance : I am seeking the CFPBs assistance in ensuring that ChexSystems conducts a thorough reinvestigation of my dispute, corrects my consumer file to accurately reflect the paid status of the balance with XXXX XXXX XXXX, and stops reporting inaccurate information that is damaging my credit profile.
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 : XXXXXXXX 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: Debt collection

On XX/XX/XXXX, I received four collection letters from Lockhart , Morris & Montgomery Inc, for old medical debt stemming from a hospital stay from XX/XX/XXXX to XX/XX/XXXX. This debt was previously resolved on XX/XX/XXXX, by the previous debt collector, XXXX XXXX XXXX, which was the collection agency for XXXX XXXX XXXX XXXX XXXX. 

I have enclosed the letter I sent to Lockhart, the collection letters from Lockhart, and the billing statement from XXXX that shows a XXXX balance for all charges. 

I am not responsible for this debt. I do not owe the amount claimed by Lockhart. It has been paid in full. As you will see from the enclosed OnLine Information Services, the previous collector of debt canceled all balances and instructed the credit bureaus to remove all accounts from my credit file.
Product: Credit card or prepaid card

I have contacted the credit card company and the merchant over 10 times going back to XXXX of 2021 trying to resolve the issue. I explained that while dining out there was to be a split check between 2 different parties but the merchant charged my card 2 times in error. I explained that I only authorized ONE payment and should not have been charged for a second bill that was not my responsibility. The credit card company said they received notice from the merchant that the charge was not duplicate and that there were 2 separate bills so there was nothing they could do. I said yes there were 2 bills but only one of them was mine, so why would they charge my card twice for the same split amount? I said this is clearly an error and the merchant is responsible not me. I tried contacting the merchant weekly and every time was told a manager will get back to me or accounting has to research but it's been months and I never get a response or refund. The credit card company has refused to reverse the duplicate card even though several reps claim that they do see how it is the merchant 's error because the amount is the same on the same date. I asked for backup from the merchant to see the signed credit card receipts so they can confirm there are 2 separate signatures as I only signed ONE receipt to authorize the charge, not 2. The credit card company said their hands are tied and I have to work it out with the merchant but they are a huge corporation and never contact me back. I have never been provided with any proof of authorization for both charges from the merchant to validate the charges because I did not sign for both charges. The credit company has also not provided me any good contact information as to who I should speak to at the merchants dispute resolution location to resolve this so I do not see how the credit card company validated the second charge. This is clearly a mistake that the merchant 's staff made and I should not have to pay for that mistake unfairly.