23daVinci/CFPB_Complaints huggingface dataset:
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 practice which violates the consumer financial protection act ( CFPA ) cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account, vulnerable and unprotect. The dispute resolution Process was unfair and deceptive. They did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions has caused significant inconvenience. And financial loss. I think appropriate redress for this violation.
Product: Credit card or prepaid card

Chase opened a company account for a company I used to work for. I never personally signed for the account. 
I have requested a copy of the contract with my signature for nearly one year and they have refused to provide it.
Product: Credit card

I, XXXX XXXX, am filing a formal complaint regarding Chases denial of credit based on invalid and discriminatory reasoning. According to Chase, I was denied credit due to allegedly having over-the-limit credit cards. However, my attached credit report proves this claim to be entirely false. All of my credit cards are below 10 % utilization, with many showing no balances at all. Furthermore, my credit scores are consistently high, and my credit profile demonstrates strong financial responsibility. 

When I sought reconsideration of the denial, I was informed that my credit limits of {$2500.00} with no utilization were cited as a reason for denial, as per the underwriting process from Chase. This rationale violates my consumer rights under fair lending and credit access laws. Denying me credit simply because I responsibly maintain low or no utilization on my credit cards is unjustifiable and discriminatory. 

As a Mexican-American business owner striving to grow my business and contribute to the economy, I can not overlook the racial bias inherent in this decision. The denial undermines my efforts to expand my brand and build my company, a right afforded to all American business owners. Such actions from Chase not only contradict principles of fair lending but also perpetuate systemic barriers that hinder minority entrepreneurs from achieving financial equity. 

Attached to this complaint is a copy of my credit report, which irrefutably demonstrates my qualifications for credit approval. I urge the CFPB to investigate this matter thoroughly and hold Chase accountable for this clear violation of my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

I explained in my letter I have no record of doing business with any accounts mentioned below under Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. Please delete the following accounts : XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX Account # XXXX I have tried repeatedly to state my case that I experienced financial hardship during COVID and that was only reason for my late payments. I was not granted forebearance as was required. In addition, I am specifically identifying that my account contains multiple errors that have negatively hurt my credit : multiple instances of 60 day late payments that were actually 30 days and all XXXX agencies specifying late payments that don't even match with each other. These are clear inaccuracies that I can articulate if I simply had the chance to discuss with someone instead of being messaged and dismissed. XXXX continues to give me the run around, continues to leave these inaccuracies, and I need protection!

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: Mortgage

Mortgage was transferred to Selene Finance LP. Selene acknowledges on-boarding the loan on XX/XX/2023. Escrow was established at closing on XX/XX/2023 and the amount was transferred in full to Selene Finance LP ; in addition escrow has continued to be collected on a monthly basis for a total of {$4900.00} as of XX/XX/2023. 

The problem originated when I received a tax bill in early XX/XX/2023. I called Selene Finance LP and was told " my loan was still being processed '' and if the tax bill is not paid in 10 business days to call back. The tax bill was not paid in the month of XXXX resulting in a penalty. I was told after contacting Selene Finance LP at the beginning XXXX ; " we are waiting on a legal description of the property from the tax department '', " call back in a few business days '' I have made several attempts in XXXX to resolve this matter and have been told to " call back in 4 business days '', " send an email requesting to close escrow '', etc. I have exhausted every effort to resolve both payment to the tax department from my escrow and to attempt to be reimbursed from Selene Finance LP I have requested that Selene Finance LP disburse {$3000.00} from my escrow account to reimburse me for my payment to the tax department and {$300.00} for the late penalty of non-payment from funds other than my escrow account
Product: Mortgage

For the last 2 years I was on automatic payments with carrington mortgage after I bought out of foreclosure. I took myself off in XXXX for XXXX payment. At the end of XXXX I made my XXXX and XXXX payment. I then went on in XXXX to restart my auto payment and saw that it said my XXXX payment was due. I checked my history and it said I had around {$2000.00} in fees that I knew nothing about. I called and asked what they were for and no one could tell me. They said they would waive the fees but it would be 10 days. As this would not cause me a late fee I had them do it. On XX/XX/XXXX after everything was updated I made a partial payment for XXXX. I then logged at the end of the month and made what there website was the remaining balance for the month. In the beginning of XXXX I logged in to setup my automatic payments again starting in XXXX and it said my XXXX payment was due. I called again and was the {$800.00} was used towards fees which still no one could identify. After 30 minutes of going back and forth they said it would be 10 days to fix again but then I would owe around {$200.00} for rest of the payment. I made the payment and started my auto payments again. It is now the end of XXXX and it says my full XXXX payment is due and I owe a late fee. When I look at my payment history it shows money going in suspense account and then being taken out but nothing going to my mortgage. I would like this issue resolved but I feel if I call again they will give me the same run around I will just end up in with same problem next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my two Capital One credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.
Product: Debt collection

XXXX was an online catalog back in the XXXX and they are still writing me after I had filed many attempts for them not to contact me anymore for something I dont owe. They have now added some interest and fees to a Dept making it well over {$4500.00} for something I dont even owe. Under my old married name. They now have an attorney writing me as they had already ceased all action over 10 years ago only to restart. They have filed for bankruptcy and if you XXXX them, XXXX XXXX they had to pay millions for lying about how much they made. I wish for them to stop harassing me for a debt that is not mine! Thank you.
Product: Mortgage

I am a co-applicant on an FHA home mortgage through Chase bank. The primary applicant was discharged under bankruptcy in 2016 and did not reaffirm the debt. Chase bank is telling me that I am bound under the same terms of the primary applicants bankruptcy and no longer responsible for the mortgage debt. I did not file bankruptcy. They have stopped reporting to the credit bureau and telling me I have no rights to the loan because of the bankruptcy. They can foreclose. I ca n't refinance or sell they tell me. Please help and advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inquiries I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report number XXXX I have disputed an unverified alleged collection account, requesting verification of alleged the alleged account by providing documented evidence of a signed credit or loan application bearing my signature. Experian not only refused to provide the requested information but continue reporting unverified information on my credit report.
Product: Vehicle loan or lease

Wells Fargo Dealer Services changed the due date multiple times during the loan without my knowledge. It was changed on XXXX. This resulted in several late fee penalties incurred. My payments were reversed without my knowledge. These dates XX/XX/XXXX, XX/XX/XXXX ( 2 payments ), I was charged a returned payment fee of {$30.00} on XX/XX/XXXX on a payment they reversed and late fees after the reversals. Because of the deferments that I did not authorize it has extended my payoff schedule. The balance due is more than what it should be. I have made 61 payments as of XX/XX/XXXX based on the printout they sent. Those payments total {$30000.00}. Per my contract, the total price paid after all payments are complete is {$35000.00}. My balance as of XX/XX/XXXX was {$7000.00}. I have 11 more payments of XXXX which would only add up to {$5400.00} if the entire payment went to principle which it will not. There is a huge discrepancy in the numbers. The late fees that were added were paid with the next months following payment. My paperwork from Wells Fargo has a loan maturity date of XX/XX/XXXX so I'm not sure how I have so many months left to pay and a balance over {$7000.00}.
Product: Mortgage

On XXXX they had sent me my escrow analysis, when i had gotten it i had realized there was a {$460.00} overage i had called customer service plenty of times only to be told that they would adjust my account and call me back and no one ever follows up or ever calls me back. This is really very unprofessional and not wright i have even spoken to managers there who had promised to follow up with me only to be left hanging there. 

Bank is Flagstar Bank XXXX my loan file XXXX
Product: Mortgage

Applied for a Bank of America home equity loan ( {$300000.00} less than 50 % CLTV ). Rejected because " Bank of America Credit Obligations Not Paid As Agreed ''. I looked at my credit report and there was a {$280.00} credit card charge off from OVER TEN YEARS AGO. I immediately paid this BoA credit card from my BoA checking account. Bank of America apparently cross sells you on buying several of their products, but when you have to ask the home equity department, to verify with the BoA credit card department that a balance is zero, having being paid from a BoA checking account and THEY WILL ONLY ACCEPT information provided by the credit bureau ( in this case XXXX, who is another nightmare ) - and do you know who provides that information to the credit bureau - Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary : Experian has a credit freeze on my account, will not lift it, and does not have any way to contact them by phone. 

I have a credit freeze with Experian. I initiated the freeze approximately 10 years ago. In the ensuing 10 years, I was able to remove my freeze using Experian 's online system. Today, I attempted to do so and Experian indicated that they could not verify my information. 

I called, but Experian only has an automated phone system and will not allow me to reach an actual human. 

I now have a credit freeze on my Experian account that I can not lift. I can not reach Experian. And I can not determine if someone has fraudulently changed my information with Experian.
Product: Credit reporting or other personal consumer reports

In accordance with the federal credit report act. The list of the accounts below Has validated my Federally protected Consumer rights to Privacy and confidentiality under 15 usc1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602A States that I have the right to privacy. 15 U.S.C 1681 section 604A secton 2 It also states that a consumer reporting agency can not Furnish an 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 the 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 responsible Cause to believe the information is in accurate
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit 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. I was not notified in the time frame.

1. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXXXXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 
4. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 5. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX WY XXXX XXXX, VA XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX EXPECTATION XXXX XXXX, VA XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

The problem arises from inaccurate and potentially fraudulent reporting of credit information by companies such as Experian, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX. These entities have reported unverifiable, incomplete, and inconsistent data, which has negatively impacted the consumers creditworthiness. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically under provisions like 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, which require credit bureaus and data furnishers to maintain the accuracy and reliability of credit reports. Despite disputes, these issues remain unresolved.

The concern goes deeper, involving violations of 15 U.S.C. 1681c-2, which mandates the removal or blocking of fraudulent and unverifiable data. The consumer is holding these companies accountable for not only the inaccuracies but also for failing to act responsibly to prevent further harm. Immediate action to delete the inaccurate data and comply with FCRA regulations is being demanded, with legal action threatened if the requested remedies are not implemented promptly.
Product: Checking or savings account

I notified XXXX money that there was many unauthorized transaction from XXXX of last year until now and they are from XXXX XXXX. I do not have business with XXXX XXXX. The card was still in my possession. I provided written statement that I did not authorize any of the XXXX XXXX  charges I am suppose to get a temporary credit after 10 days if it will take longer to investigate. I want to make sure the temporary credit is added to my account since there are many charges. I need to have access to my funds. They are shipping me a new card.
Product: Vehicle loan or lease

the company repossessed the car around the end of XX/XX/year>, then send me a letter saying they sold the car, but I still owed them. they put it in my credit report as a write off and send me a balance to pay them. I didn't receive any 1099c form from them and that write off is messing with my credit. I want that balance and that write off of my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
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 XXXX XXXX XXXX. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXXXXXX 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 XXXXXXXX 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: Mortgage

On or about XXXX or XXXX of XXXX, Shellpoint Mortgage unnecessarily opened an escrow account for us without our consent or even any notice. Our mortgage was transferred to them without an escrow agreement. The agreement we have is that we pay {$510.00} per month for principle and interest ( see attached documentation ). We pay our insurance and taxes separately. When Shellpoint opened this escrow account we had already paid our insurance and taxes in full. Since that time, the company has been charging us more than the agreed rate. We have been paying this extra money and the company has told us over the phone that once they close this escrow account that this extra money will be applied to our principle. It has been a number of months since this has begun and the company refuses to close this escrow account, even though we have paid this extra money and our taxes and insurance have been paid in full. Shellpoint has also reported our mortgage account to be 30 days late to XXXX and our credit rating has fallen over XXXX points. They have published that our agreed payment is {$660.00} which is a number they have made up to include insurance escrow. We call them often and they act as if it is the first time they have heard about this and they give us conflicting info each time we call.
Product: Vehicle loan or lease

WFS just sent me a XXXX dollar reimbursement, because they were found guilty of over charging me for XXXX XXXX XXXX. This cost was baked into my car loan, WFS gave me a derogatory payments reporting when they were charging me fees I should not have paid in the first place. This was incorrectly reported.
Product: Checking or savings account

Purchased a coat on XXXX for {$630.00} described as new with tags. Received it in the mail damaged and contacted the XXXX seller and didnt reach a resolution. 
Called Discover Bank customer service to file a dispute, in which I was told that the issue that I presented does not qualify for a chargeback as it does not satisfy their rules and regulations for debit card disputes, as it has to do with item quality. If I had known this, I would have not purchased it with my discover debit. Also, it has nothing to do with the quality of the item I did not receive the item that I was led to believe I was purchasing. 
Extremely misleading, how there are different regulations for discover debit and credit cards when there is nowhere online that explicitly describes it.