23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I sent an International Bill of Exchange ( IBOE ) to MidFirst Bank 's Legal Department via registered mail, with copies sent to CEO Jeffrey Records Jr. via certified mail. The XXXX was issued as a method of payment toward a mortgage obligation with specific instructions to either credit the mortgage account or dishonor the instrument in accordance with applicable laws. However, MidFirst Bank has failed to take any actionneither crediting the mortgage nor formally dishonoring the instrument. 

On XX/XX/XXXX, I submitted a written request for GAAP ( Generally Accepted Accounting Principles ) accounting, asking MidFirst Bank to provide a full breakdown of how the mortgage transaction was recorded in their financial system. Despite my formal request, they have failed to provide the required financial disclosures, which violates consumer protection laws and financial transparency regulations.

Violations : MidFirst Banks failure to act on my payment instrument and its refusal to provide GAAP-compliant accounting may constitute violations of CFPB regulations, federal banking laws, and consumer protection statutes, including : Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq.

Requires creditors to provide clear, accurate financial disclosures. Failure to provide GAAP accounting could constitute non-compliance with financial transparency laws.

Real Estate Settlement Procedures Act ( RESPA ) - 12 U.S.C. 2605 Mandates mortgage servicers to provide financial records and respond to borrower inquiries in a timely manner. MidFirst Banks failure to disclose how the mortgage and payment instrument were processed may violate RESPA.

Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq.

Prohibits unfair, deceptive, or abusive collection practices. If MidFirst Bank is ignoring my legal payment submission and continuing to enforce the mortgage without processing it properly, this could constitute a violation.

Uniform Commercial Code ( UCC ) 3-501 & 3-505 Requires financial institutions to either honor
or dishonor negotiable instruments within a reasonable period. Their failure to respond or process the IBOE may be a violation.
Product: Credit card or prepaid card

XX/XX/2018 Several Tire Orders were Cancelled. But, I was charged in error
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, I disputed inaccuracies with the 3 Credit Bureaus, XXXX, Equifax, and XXXX, asking for validation of debt, upon the 30- day response limitation, the collection agency XXXX XXXX XXXX XXXX XXXX. sent a copy of my medical records, with a diagnosis of my injuries. I disputed with the 3 credit bureaus with a copy of the letter sent by the collection agency with a letter stating my HIPPA rights had been violated. The 3 credit bureaus did not respond. A letter dated XXXX XXXX, XXXX, was received of validation, from the collection agency XXXX XXXX XXXX XXXX. with another copy of my hospital visit with the diagnosis and also with the type of medication and dosage I was prescribed, and asking for a check.
Product: Credit card

This is a Macy 's credit ; I believe issued by Citi Group/ Bank . I made a purchase a while ago and fully paid after I called the customer service number on the card and got waived off my late fees and interest. This was several months back. I tried purchasing at Macy 's with the same card, but the transaction failed. Assuming that I may have cancelled the card, I tried reapplying, but my request for a new card was rejected. I came home and called customer service and was told that the card was closed and I still had some balance, to my surprise. I assume that Citi Group has flagged my account, which is preventing a new card from being approved.

Please look into this as soon as possible. If I use my Macy 's card, I get an additional discount on a large purchase.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Finacial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to finishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

Every 2 weeks I deposit my payroll check. XX/XX/XXXX I was encouraged to use the mobile deposit application. XX/XX/XXXX I mobile deposited my check as normal through the mobile app. XX/XX/XXXX the bank removed my payroll check claiming they had a check with the date of XX/XX/XXXX submitted by me with the same check number as the XX/XX/XXXX check. I told them I have never deposited any checks other than my payroll checks every other Wednesday. After doing my own research, I found the XX/XX/XXXX check they said I deposited is a poor copy of the XX/XX/XXXX. If you zoom in on the check they say I fraudulently deposited you can clearly see the XXXX  where it appears the be a XXXX. They have illegally removed funds from my account multiple times leaving me with insufficient funds for credit card payments and other bill pay items. My credit has dropped and they treat us like criminals when we enter the branch. Please help. This is the 6th time I've physically entered the branch to resolve this issue. I've spent at least 40 hours on the phone with bank representatives and have had over 50 text conversatIons with the mobile application agents. They say they messed up and then they credit my account then 3 days later the remove the funds.
Product: Checking or savings account

My XXXX NY state tax refund check in the amount of {$410.00} was deposited by an unknown individual or individuals to an unknown Wells Fargo account in an undisclosed location. This individual was certainly not me. I have never had a Wells Fargo account in my life and no other relationship with the bank directly or indirectly to the best of my recollection. 

I had originally asked for direct deposit from the IRS to my XXXX account. While waiting for my refund, my account was closed. I contacted the IRS to reissue a check by mail which they assured me would be the case. 

I contacted the IRS who advised me that I would need to file a fraud complaint. I completed the fraud affidavit ; and returned it to the IRS. I contacted the IRS ( I believe ) on XX/XX/XXXX ; they told me that they had rejected my claim, stating that they showed the check was cashed. They said that the fault lies with Wells Fargo and that they are responsible for the amount of {$410.00}. 

First, the check was not cashed, it was deposited. Second, the check was cut in XXXX, NY on XXXX XXXX and negotiated on XXXX XXXX, according to Wells Fargo. I lived in XXXX XXXX, NY at the time. I don't even know that the check would have reached me in that length of time and there is no Wells Fargo in XXXX XXXX. I would have had to go to a neighboring town ( XXXX, NY ) to deposit the check but, of course, I did not because I have no account with Wells Fargo. I am a client of XXXX. 

On XX/XX/XXXX, I stopped into a Wells Fargo branch to speak with a manager who filed an official complaint with their corporate fraud department. 

I received a letter from the NY state, dated XX/XX/XXXX confirming that my complaint was received but I have had no further correspondence. 

I received a letter from Wells Fargo, dated XX/XX/XXXX, stating that Wells Fargo was not the first bank of deposit. They stated that the intended payee deposited the item, which I did not. I never received a check at all and did not deposit it into my XXXX account. 

The IRS says it is Wells Fargo 's fault. Wells Fargo says they were not the XXXX bank XXXX XXXX. I advised them that my account had been closed and that I had opened another so I would need my refund by mail. This was acknowledged by the IRS. All I know is that I never received a check at all. 

I know that Wells Fargo has had major fraud issues in the past. I know that the IRS has had to reissue many IRS refund checks, according to the Wells Fargo XXXX department per the conversation the Wells Fargo Bank XXXX had upon my visit to the branch to lodge my complaint. 

Again, if there is any activity between XXXX or Wells Fargo, it was not me. I truly never received my refund check at my XXXX XXXX address or anywhere else. I already signed an affidavit stating just that. 

I have the letters from the IRS and Wells Fargo but, per your requirements, they contain to much information to attach. I have redacted my correspondence with Wells Fargo and the IRS advocate 's office and attached below. 

Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this CFPB Complaint to you today to follow up the previoues CFPB Complaint I submitted requesting the immediate removal of the fraudulent accounts and information I found on my Credit File. I sent a letter on XX/XX/XXXX, to remove inaccurate personal information, inquiries, and accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Under the FCRA section 605b, I am requesting that you remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$970.00} XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. I have read that under the FCRA section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. Please comply with the law to help me resolve this matter at the earliest possible time.
Product: Credit reporting or other personal consumer reports

I have disputed Rent Debt on my report several times. The account is paid and closed as of XX/XX/2023. The account keeps getting reported as open. Also, XXXX has made it impossible for me to dispute online on my own. When I call in I am giving a hard time with disputing. I want my capabilities to dispute on my own reestablished.
Product: Vehicle loan or lease

I purchased a vehicle from a company called car credit. A week into having the vehicle when breaking the car would power off I brought it to the company and asked for it to be diagnosed. The company stated that theres nothing wrong with the vehicles, but they changed the rotor and the brakes the same day. I called back to complain about the servicing of the vehicle. I stated that the vehicle still while breaking the vehicle is powering off. The company took possession of the vehicle on the XXXX and remained with the vehicle to the XXXX. During that time I had to have a rental vehicle. The company is demanding payment, even though they had possession of the vehicle for 15 days I have only had possession of the vehicle for two days with no issues. I have asked that the payment be waived during this time and was met with rejection. I have asked for help with the cost of a rental and was told no. Now theyre holding the vehicle XXXX for XXXX late payment. The payment that is late is during the time that they had possession of the vehicle. I am asking for XXXX payment to be waived and possession of the vehicle to be given to me. I am asking to be released from liability of the vehicle as they are breaching lemon law and this is considered fraudulent activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX, # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, # XXXX XXXX, # XXXX XXXX XXXX, has violated my rights. Also the credit bureaus stated these accounts was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 


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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Money transfer, virtual currency, or money service

I leveraged PayPal 's program to have my rental tenants pay for their monthly rent using paypal. I have 5 tenants that live in my rental building that have paid their XXXX rent to my PayPal property management business account, and they all paid with bank transactions. Paypal refuses to release my funds now for 180 days. I have been working with them for over a week, and each time, they have a different excuse for not releasing my funds. First it was that they need to put a hold on my funds as a new merchant to verify that no-one will request a refund, then it was that i needed 10 transactions before releasing money - ( originally they would hold for 21 days, now it is 180 ). After several calls and 3 way call verification with my tenants, someone took the hold off the funds. However, i can not move the money to my bank account. I owe my mortage on this building and can not get a straight answer from anyone. I have kept very good logs of all conversations, emails, letters, etc. As of yesterday, i worked with a person ( named XXXX ) that helped me said that she would notify the internal group to remove the limitations. Except - today i came into a notice that said : " After a review, we've decided to permanently limit your account due to potential risk. Youll not be able to conduct any further business using PayPal. '' The " see details link '' says : You can't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account thats inconsistent with our User Agreement and we no longer offer you PayPal services.

Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. 
Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive money. Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. 
Reference ID : XXXX However- they are not telling me how i am in any violation ... .. or what i need to do. Do they have the right to just hold my funds for 180 days without demonstrating risk or any cause? Where is the regulatory oversight on this type of money transition? While Paypal is not a bank, they do process payment transactions, so where is the payment processing governance? Do I need to obtain an attorney to get my funds? The disclosures and Agreement do not clearly indicate this type of impact to small businesses .... shame on them. 

I am glad to provide my log of conversations, screen pictures, and emails for your review. 

XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDNELNET and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transferred and Closed : The account was officially transferred and closed on XX/XX/XXXX, and any late payments reported after this date should not have been reflected in my credit report. The delay in processing during the account transfer led to the incorrect reporting of late payments, which should not have been attributed to me. 
Payment History Prior to Transfer : I have a consistent history of making on-time payments before the account was transferred. The incorrect reporting of 120-day late payments is not reflective of my responsible financial behavior and payment history. 
Dispute Already Filed and Marked Resolved : I previously filed a dispute regarding this issue, which was marked as resolved. However, the late payment entries remain on my credit report, suggesting that the matter was not fully addressed and corrected. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Mortgage

I refinanced my home in XX/XX/2020 and Paramount Residential Mortgage Group took over my mortgage. PRMG was supposed to manage my escrow account and make payments for my property taxes and homeowner 's insurance ( XXXX XXXX ). I have documentation from my attorney who closed on the house verifying this. PRMG failed to pay my homeowner 's insurance causing me to receive a letter from them stating my insurance was expired. The payment should have been made in XX/XX/2020. I was given only a few days extension to get them payment so I do not lose my insurance coverage. I called PRMG 11 times, spoke to at least 6 different representatives. I was told multiple things that " I need to do '' even though the mistake is theirs. No one was able to help me, and I was constantly transferred and hung up on for no reason. The issue is still not resolved and I am worried about losing my insurance. This has caused me unnecessary XXXX and XXXX. The fact that no one can help me at the company is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letter to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance {$5400.00} XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$3100.00} XXXX XXXX XXXX XXXX {$25000.00}
Product: Credit card or prepaid card

Yesterday, my Travel Rewards VISA ( # XXXX XXXX XXXX XXXX ) from Bank of America ( BOA ) was stolen. Within an hour of discovering this, I reported this to BOA and asked that a fraud alert be put on this account and that I be sent a replacement card. 

I called a toll free telephone number provided on BOAs online banking website about 6 times, but all I got was recorded messages. It was impossible to reach a human being. After wasting about XXXX minutes just trying to get an agent at BOA about the theft of the card, I finally was told that an agent would come on the line. Then I was put on hold for an additional half an hour. When the guy who finally answered came on the line, I told him everything I knew at least XXXX times. He wasted time with chit chat, then proceeded to ask me exactly what Id just told him. After telling him again that I had checked the activity for the card through BOAs online banking website just before I called him and had seen no illicit activity, and repeated everything else yet again, I told him I had to eat dinner and had no more time to repeat the same information Id already provided to him several times, since it took me nearly an hour to get through to him. As far as I recall, the last transaction on this card was an electronic payment from my bank that I scheduled for {$8.00} which BOA should receive today. 

BOA continues to evade its customers and refuse to act on simple requests such as putting a fraud alert on an account that has had a stolen card in a timely or efficient manner, and to replace cards quickly when asked for legitimate reasons. It unfairly burdens its customers with grossly unreasonable, harassing, inefficient and insecure procedures that injure them. In contrast, XXXX XXXX was quickly and easily reached, took the relevant information and said they would mail a replacement card all within a few minutes. The new card should arrive today or tomorrow. 

BOA does not manage its credit cards in a reasonable fashion and its gross ineptitudes put its customers at risk for further injury. This has been the case for years. I have filed previous complaints about it, yet, if anything, these deep seated problems with BOA credit cards seem to be worsening. Just before submitting this complaint, I tried to check the account online for any fraudulent activity. The account was blocked and I could not access it. A message said BOA wanted me to call it, again, to waste more time. I have no more time to waste on BOA.
Product: Money transfer, virtual currency, or money service

I filed a dispute with cash app for a refund overpayment from a medical procedure from my provider. The original payment was for XXXX & the merchant did a refund on XX/XX/24 for XXXX back to my cash app card. But cash app is denying it even after I gave them the transaction ID for the refund from the merchant & will not refund my money.