23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an unauthorized inquiry on my credit report that I do not recognize. I never applied to this company, nor did I give consent for them to access my credit file. This situation is deeply concerning and causing me unnecessary stress and anxiety.
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 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

In XXXXXXXX XXXX  XXXX after a billing dispute with BMO Bank I told them to close my account. Instead after cashing my check for payment they charge me a {$2.00} interest payment then charge late fees in top of that. Then when I contact them they just transfer me to different departments and put me on hold and I have contacted them several times and they always do the same. The last four numbers on my account are XXXX.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act
Product: Mortgage

Started in XXXX when I purchased my XXXX home. In late XXXX XXXX I lost my job. I made every attempt to get help with my mortgage from Bank of America with no luck. XXXX I filed for bankruptcy in attempt to get out from under the house. It was discharged early in XXXX. Late in XXXX Bank of America took possession of the house with no notice or warning and did not foreclose on the property. I thought this was a normal course of action as this was my XXXX home and bankruptcy. Fast forward to late XXXX I am served with a summons to appear in court for HOA Fees on the home that I had n't been in for over 4 years. I tell the HOA there must be some mistake since the bank owns the home. They said contact the bank. I contact Bank of America and they apologize for locking me out and provide the key code so that I can move back in. They say that they will work with me to modify the mortgage after I move back into the property. Once I moved into the property they served me with foreclosure paperwork. At the mediation I asked for modification, cash for keys, or deed in lieu. They denied all of those things. They continually give me the run around. 
I forgot to mention that not long before the lock out there was a tornado in my area that caused damage to the roof and siding. My insurance cut a check but I never got the repairs since I was locked out. Now I ca n't get insurance on the property until the repairs are made and the insurance will not cut another check. Also, under Bank of Americas watch several pipes burst and caused damage to the home and possible mold. 
So now I have this house in my name that I ca n't do anything with and is causing me more and more money at every turn. I ca n't sell it due to the HOA liens that BOA refuses to help with.
Product: Debt collection

Comenity All rewards calls me 4+ times a day to collect on a late fee. The calls are non-stop and can occur within 20 minutes of each other. They also call on Sunday mornings. I told them I placed a check in the mail but they still call me.
Product: Credit reporting or other personal consumer reports

Equifax claims I have not applied for credit in XXXX  years or not applied for credit. 

I bought a car thats finance threw XXXX XXXX I applied for a property in which something on soft enquiry showed up So how is it I not applied for credit when a car was bought on XX/XX/2023 By law Im entitled to a report Equinox has breach of data in which Im tittle to a credit report Wrong personal information various data breach by equifax Excuse after excuse run around after run around
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

This extends case id 's XXXX and XXXX. Furthermore Equifax nor any settlement handling company for Equifax settlement of lawsuit has not yet reached out to me since this multiple cases were filed on XXXX  The only thing i have received was an email saying i can recirve another payment of XXXX dollars and some cents i do believe it is onto of the XXXX dollars they sent me in a check. They have the whole breakdown and cost of how much it cost me to fix this {$8000.00}. I sent it in awhile back and demanded repayment. They did not respond just like they are not responding yo any of these CFPB messages nor even reaching out to me. THEY SIMPLY DO NOT CARE AND THAT IS WHY EQUIFAX SHOULD BE HIT WITH AMOTHER LAWSUIT. They sit there and get fined and order to pay back the people it affected however they offer around {$30.00} for the damages they have done when they clearly received the breakdown of {$8000.00} dollars in sent them of everything time and costs.
Product: Mortgage

M, AND T BANK BOUGHT MY MORTAGE UNBEKNOWNST TO ME. I MADE A MORTAGE PAYMENT USING MY APP FROM XXXX XXXX TO THE LOAN ON XXXX FOR XXXX AND THE THE NEXT DAY AN AUTO PAYMENT WAS SENT OUT IN DUPLICATE. FOR XXXX. A TOTAL OF XXXX CAME OUT OF MY ACCOUNT IN 2 DAYS. THE SECOND AND DUPLICATE PAYMENT WIPED OUT MY XXXX BUFFER AND PUT ME IN THE HOLE. BUT THE FUNDS WENT OUYT TO M AND T BANK, I SPENT OVER 37 HOURES FIGHTING THIS FOR 32 DAYS SO FAR. I WENT TO MAKJE MY REGULAR XXXX PAYMENT ON XXXX JUST BEFORE MIDNIGHT FROM WORK AND FOUND OUT M AND T BANK SAYS NOW THAT THEY NEVER RECEIVED ANY PAYMENT., THEY KEEP SAYING INSUFFICENT FUNDS BUT IN A CIOUYRT OF LAW THE RECORD WILL SHOW XXXX WAS SNT TO THEM WHATECER THEY AND THEIR MORTAGE TRANSFEWRE XXXX XXXX XXXX DO WITH MY FUNDS IS OUT OF MY CONTROL. NEVER ONCE DI A HUMAN FROM M AND T BANK CALL ME TO HELP. I SPENT ABOUT 37 HOURS AND 20 PLUS PEOPLE FIGHTING THIS. NEVER WAS THERE ANY MORTAGE PROBLEM TILL M AND T BANK GOT INVOLVED. ALL I GET FROM 2 XXXX, A XXXX, A XXXX, AND OTHERS ARE LIES SAYING THEY WOULD CREDIT THE FUNDES BACK TO MY ACCOUNT FOR THE DUPLICATE PAYMENT. IT WOULD HAVE BEEN EASIER TO LET THEM JUST KEEP THE DUPLICATE AND USE IT FOR XXXX. M AND T BANK HAS CAUSE ME UNBEARABLEPAIN AND ANGUISH AND NOT ALLOWED ME TO PURCHASE POST XXXX XXXX MEDICINE FOR A FASMILY MEMBER IN THE BEGINNING OF XXXX. HAVE BEEN FIGHTING THIOS FOR 32 DAYS, NEVER ONCE DID M AND T BANK CALL ME, XXXX KEEP TELLING ME LIE AFTER LIE ANTER LIE. THEY STATED IN MY FIRST COMPLAINT THEIR WEWRE UNSUFFICENT FUNDS, NEVER. THEY RECEIVED 2 PAYMENTS AND EVEN TOLD ME THEY HAD 1 IN 'SUSPENSE ' FOR OVER 2 WEEKS JUST SITTING ON IT. NOW THEY SAY I NEVER EVEN MADE 1 PAYMENT WEHN XXXX DOLLARS WENT FROM XXXX XXXX TO THEIR COFFERS. M AND T BANK IS GOING TO BE HELD RESPNOSIBLE FOR THIS PAIN AND SUFFERING THEY HAVE CAUSED ME AND MY FAMILY ONCE THIS IS SETTLED, IN A COURT OF LAW.
Product: Checking or savings account

My brother and I have a joint account with Chase Bank. My brother contacted Chase to dispute one charge of {$310.00} from XXXX. XXXX and weeks passed by, I noticed a claim reversal of {$350.00} from XXXX was reversed back from a Chase employee that we didnt authorize. Then another day passed by, again, another claim reversal was reversed back of {$310.00}. My brother inquired to Chase about the {$350.00} that wasnt authorized. A Chase Executive employee had open this case and it was accurate. My brother mentioned to the Chase Executive to listen to the media files of the conversation he had with the employee from the claim department. The Chase Executive confessed and stated my brother is correct and how the employee committed fraudulent activities, reversed back two charges instead of the one he inquired of {$310.00}. However, Chase has not removed the unauthorized charge of {$350.00} that was reversed back. This caused my account to go into negative and insufficient fee occurred. I also noticed they reordered transactions from highest to lowest that was already posted to my account to cause excess overdraft fees. Also, today, they took money of {$140.00} from another joint account I have with my mother to try to cover for the negative account I have with my brother. Chase are endorsing fraudulent activities from employees and not taking accountability for their actions.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my PNC Bank account to a fraudulent investment firm.
Product: Money transfer, virtual currency, or money service

PayPal transaction ID XXXX was wrongfully processed. On XX/XX/XXXX I received {$940.00} by mistake from another PayPal user. And when I tried to refund him that money, PayPal instead of taking it from my available PayPal balance, as I explicitly requested, tried to bill one of my funding bank accounts, where those funds were not available, resulting in an insufficient funds fee. As of XX/XX/XXXX, despite my numerous messages and phone calls, and while that person already received the money, that money is still available in my PayPal balance, which it should not be, if the transaction was processed correctly, while I have no idea if PayPal will try to again take that money - without my authorization, and after my explicit objection - from my bank account, resulting in another insufficient funds fee, because nobody from PayPal is contacting me and communicating with me.
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. has violated my rights. 
( XXXX XXXX XXXX # XXXX ; XXXX XXXX # 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 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: Checking or savings account

I continue to incur unnecessary charges to my account. 


I have been attempting to have thee named fees returned and the bank refuses when most of them aren't valid and the other half are mistakes that need correcting. 

I need help resolving this issue prior to closing my account. I do not have funds to simply " throw away ''. 

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

My problem is not that the original issue was not accurate, my problem is that the reporting agencies ( Equifax, XXXX, etc. ) tend to keep issues on the credit report longer than is necessary. While for Bankruptcy, it does indicate 7-10 years, I find it significantly detrimental to the individual that negative public records are not removed at the earliest convenience, particularly if, in fact, the idea is to improve the financial welfare of not only the individual but the country as a whole after having " served our sentence ''. By keeping these negatives, they are punishing, not reporting.
Product: Money transfer, virtual currency, or money service

Lent my friend my extra phone didnt realize I was logged into everything. They added themselves to XXXX XXXX then opened cash app saw my balance and then opened up a XXXX XXXX used XXXXXXXX XXXX to log in and spent all my money to spite me. I got my phone back the next day. Filed a dispute and cash app decided that I authorized the transaction. I did not.
Product: Checking or savings account

SUBJECT : Negligence of Disaster Assistance Offers for Existing Members To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union ( NFCU ) for their negligence in addressing my urgent requests for disaster assistance. Below are the details of my inquiries, which have gone unaddressed and neglected despite waiting the allotted turnaround time for a response : NFCU Inquiry IDs : XXXX XXXX XXXX XXXX ( Previous ) Summary of the Issue : On XX/XX/XXXX, I reached out to NFCU regarding their Special Assistance Programs available for existing members who are victims of Hurricane Beryl. Despite multiple inquiries, NFCU has failed to provide a response or any form of assistance. My specific requests included : Requests for Checking/Savings Accounts : Cancellation of Collections Accounts/Balances : Specifically, for the EveryDay Checking Account ending in XXXX with a negative balance of $ XXXX due to unresolved merchant overage charges. 
Reinstatement and Removal of Account Restriction on OOPS XXXX. 
Waiver/Refund of Monthly Service Charges for all active checking and savings accounts. 
Waiver/Refund of Returned Item Fees on EveryDay Checking - XXXX. 

Requests for Credit Card Accounts : NFCU Special Assistance Request ( XXXX ) for Manual Secured Card Graduation : The account has been open for XXXX months ( opened XX/XX/XXXX ) without graduation, despite a flawless payment history until a late payment occurred due to the disaster. 
Temporary Enrollment in Monthly Payment Waiver for the Credit Card Account ending in XXXX. 
Waive/Refund Late Fees incurred on XX/XX/XXXX. 
Adjustment/Correction for Payment History status reported to credit bureaus for a past due payment from XX/XX/XXXX. 

NFCUs lack of response to my disaster assistance inquiries is unethical and unacceptable, especially considering I am a victim of a FEMA-declared disaster. They have also ignored my previous inquiry from XXXX ( XXXX ) regarding another FEMA disaster . 

This negligence is causing significant financial strain. I urgently request a resolution to all my requests. 

Thank you for your attention. I look forward to your intervention to ensure NFCU provides the necessary assistance. 

Sincerely,
Product: Money transfer, virtual currency, or money service

Coinlist would not let me access my account or funds. They sent me an email saying I violated ToS, and cut off all access to my wallet. I filed a complaint with you, and then I received an email saying that was an error on their part, and I gained access to my wallet. I have tried numerous times to move my cash off their exchange. I can not. I have to use XXXX to link my bank account. I have used XXXX many times for other exchanges with zero issue. I successfully linked my bank account to Coinlist using XXXX, but on Coinlist side any transactions I attempt shows my bank account has not been linked. 
The issue is on Coinlist side. I successfully accessed my account with XXXX, but when it took me back to Coinlist website I just got a spinning circle icon- repeatedly. 
Coinlist responded immediately about me losing access to my account, but will not respond to my follow up emails about not being able to transfer my cash off their exchange. This is typical in the crypto world for exchanges to continually be involved in shady practices. I ask that the US government protect consumers, and apply sharp penalties and fines for companies that use these type of tactics to rip off customers.
Product: Debt collection

debt was included in a bankruptcy Chapter XXXX case number XXXX, this was filed on XX/XX/2016. this should be removed. I disputed this account to the XXXX credit reporting agencies and the creditor and they did not remove the account from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's 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. This lack of accountability and transparency is unacceptable and raises serious concern about consumers safety.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I contacted Equifax in regards to erroneous information on my report as I was trying to buy a home. I provided information for accounts that had been paid, accounts put in my name that were not mine that I paid anyway. XX/XX/XXXX, I provided Equifax information for accounts they are showing again me that were paid by a Workers Comp Claim. To this date XX/XX/XXXX, Equifax refuses to update the information. Currently they are even showing I have 4 accounts with negative information but they are only reporting 3 accounts with negative information which is still erroneous information being reported. I have become homeless due to these mistakes and at this time will seek Attorney. I have all documents which have been given to Equifax over and over for years now! The also refused to update my credit score with XXXX XXXX accounts reported to them per my creditors.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX 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 ( MONTHS REPORTING LATE ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have not supplied proof under the doctrine of estopper by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, XXXX presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Debt collection

I sent Enhanced Recovery Company a debt validation letter on XX/XX/21. They didn't send enough info to verify that I owe the debt. I ask them to fill out a form and that your claim can not and will not be considered if any portion of this one is not completed and returned with copies of all requested documents. This is a request for validation pursuant to the Fair Debt Collection Practice Act. They fail to compete my form and to provide me with enough info to validate the debt. I asked for the original contract I signed. they didn't provide it.I also ask for them to verify the debt for three accounts.
Product: Checking or savings account

MY NAME IS XXXX XXXX XXXX XXXX, I AM THE XXXX  OF THE XXXX XXXX XXXX XXXX XXXX XXXX. I AM MAKING THIS CLAIM BECAUSE ON XX/XX/2023 I MADE A DEPOSIT OF A CHECK FOR THE AMOUNT OF {$20000.00} INTO MY PNC CHECKING ACCOUNT BANK BUT IT HAS BEEN A LONG TIME SINCE THAT DEPOSIT AND THE BANK STILL HAS NOT DELIVERED ME THE FUNDS, I CALLED THEM AND THEY ONLY KNOW HOW TO TELL ME THAT THE ACCOUNT IS UNDER REVIEW, PLEASE DEMAND CLOSE MY CHECKING ACCOUNT AND SEND ME THE FUNDS TO MY MAILING ADDRESS WHICH IS IN MY CHECKING ACCOUNT.
Product: Credit card

I was billed by an automated fuel dispenser for fuel I did not receive. I was told by the merchant the fuel dispenser had been damaged and they would " make it right. '' I made several inquiries regarding the error and have been ignored. I submitted a dispute through my card issuer, JP Morgan Chase, who sent me a letter indicating they validated the claim after they determined the " merchant provided the services for which I was billed. '' Curious since the bank employees indicated they were not able to contact the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, experian and XXXX are reporting inaccurate information in regards to my XXXX XXXX credit limit and credit card balance on my credit report. Please view the attachments... under the " FCRA '' I HAVE THE RIGHT TO DISPUTE INACCURATE /ERRORS/ FALSE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Fortiva put a remark on my account and the credit bureau dropped my credit score by XXXX points. I called and asked what the remark was for and to get it off my account and nothing was done, I was told to make a dispute with the credit agency. This also happened on XX/XX/2022 when they put a negative remark on my account for 1 late payment by less than 10 days and XXXX points dropped from my credit score. After I contacted them, not even half of those points went back onto my credit score.