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 practices which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent an 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 reporting, credit repair services, or other personal consumer reports

I am not an attorney am not I a third party. I am filing a complaint on behalf of myself because it is my legal right to do so. I am just now getting back to work, and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX XXXX XXXX  XXXX My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the1CARESAct, Pub.L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ) ,15U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations, so I care to protect the integrity of my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a general complaint about the process that Chase has been using for chargebacks. Ive never really had such an issue. I had XXXX recently and possibly some others Ive long forgotten about or gave up on which are valid as I contacted the companies, the companies said contact your bank ( or just never responded ) and so I went through chase and then chase denies the chargeback! There are some when I went back to the company again and they finally responded and said, we cant give you a refund now because you had a chargeback even though chase had returned the money to them so they go around and say, go back to chase. Its an incredibly circuitous process and when companies have a failure to respond to a timely request many times and then I have to resort to a chargeback which is valid, and then fails. It just ends up becoming incredibly infuriating. Its not the first time so XXXX just confused as to what to do when this happens because at this point, chase isnt being helpful at all and money for services that I never even used or got wrongfully charged for. Not to mention that chase has been XXXX of the only accounts where I have lost money fraudulently from companies I dont even recognise not just once, but many times and it makes it feel unsafe.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and XX/XX/2021 I sent letters to the credit bureau 's to notify them that I am a victim of identity theft and there were some names and addresses reporting on my credit report that does not belong to me as of today XX/XX/2021 these inaccurate fraudulent addresses remain on my credit report and I am interested in your assistance in having my credit report updated to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts that do not belong to me or were opened without my permission. XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Product: Student loan

On XX/XX/XXXX, I contacted First Mark Services regarding time urgent need for assistance for deferment on my XXXX  Held loans, to discuss the dire need for help no these loans both due to COVID-19 and two natural disasters which affected my employment in the counties which I reside. I was on hold for two hours, only to be then be disconnected by an inept agent attempting to process the Natural Disaster Forbearance per my request either for the COVID-19 relief, or the other natural disasters affecting my employment occurring in XXXX XXXX ( Wildfires ) and earthquakes in XX/XX/XXXX. 

I am in need of dire assistance with forbearance on these loans, as previously promised to me by First Mark staff -- whom are often extremely inept at assisting me, providing very conflicting information each time. I am requesting immediate assistance from First Mark to ensure that these loans are being processed for the Natural Disaster forbearance as promised previously on my XXXX XXXX  loans. This matter is time urgent.
Product: Credit reporting

Credit scores are based on Credit history and payment pattern. These scores are used to assist lender in determining whether one will obtain a loan and/or what interest rates may be offered on mortgage or even a credit card. 
During a recent research into my credit files, it had been revealed that the credit bureaus reported a XXXX payment history, excellent rating on number of accounts, good rating on age of accounts, just to name a few categories. 
Scores are based on the information contained in your credit report, confirming that the credit information on your report is accurate will ensure that the score is correct regardless of the model used. This I understand One credit reporting agency stated that they are unable to accept a dispute regarding your credit score and can not advise you on how to improve your score and that the Adverse Key Factors will not be deleted from your credit report. This is inaccurate data and should be removed. I am disputing you reporting adverse key factors. I find your actions not to remove these adverse key factors totally absurd and totally inaccurate. 
Credit Bureaus appear to categorize accounts under specific Key Factors, derived from information reported by the credit bureaus. Customer being unable to determine what accounts are categorized under a particular key factor, has no chose but to dispute the reported key factor. For example which accounts are delinquent? If you find no delinquent accounts, then this key factor should not be reported to creditors nor should it be reflected on ones ' credit file. Research has revealed that the credit bureaus did not provide any data to support these adverse key factors or list accounts that have been labeled as an adverse key factor. 
Attached are letters and disclosures which state the identical adverse key factors that had been reported back in 2012. No changes in verbage. Looks like these adverse key factors may have been copied and pasted. 
Credit Bureaus stated that the customer must confirm that the credit information on your report is accurate regardless of the model used. These Adverse Key Factors not being deleted from credit reports are contradictory, because these comments are totally inaccurate.
Product: Checking or savings account

Hello! 

I received several emails from Bank of America yesterday ( XX/XX/2023 ) regarding the opening of a new account in my name, in which I did not apply for. It seems to be fraud and that someone has my information and is attempting to open an account in my name. 

I am currently on hold with Bank of America in an attempt to file a fraud complaint and close the account. I was told I should file a complaint with the CFPB as well.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate. Can you reinvestigate the accounts listed below. 

Account Name : XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Credit card or prepaid card

Call by Bank of America to verify transactions for possible fraud, and when I call back I am told I must go to a Bank Of America Branch to verify my idenity, and my account is locked and under invesigation and they will not provide any transaction information. I just checked my account and there is no unusual transactions listed.
Product: Credit card or prepaid card

Afterpay declined the transaction and when asked about it, this is what they said " In order to shop in-store using the Afterpay Card, upon set-up, customers may be required to undergo eligibility checks.

Afterpay takes a number of factors into consideration when deciding on whether we can offer you the Afterpay Card. These factors include how long youve been a customer for, your repayment and credit history, as well as ID verification status. 

As we have not been able to successfully complete these checks, you are unable to shop in-store. '' Very vague and not helpful.
Product: Vehicle loan or lease

XXXX XXXXBank of America 's Auto Loan Customer Service Department reached out to me to tell me my car loan was paid off and I was owed money back for overpayment, and that they were closing my loan account. 

I looked into my personal account, with another bank, to pay bills and came to realize that Bank of America drafted XXXX ( ten ) times the amount of my monthly loan payment and that I was at a negative balance. Luckily I had over-draft protection. Seeing how I couldn't prove that it was either my fault or their fault this came to be, I called them back to ask that my over-payment be returned immediately seeing as how I had no money. I e-mailed Bank of America at XXXX. I was informed that i had to show proof it had cleared my personal account before they could go any further. I sent them an e-mail showing it had cleared my account and a separate e-mail stating that this payment had to be a misunderstanding. I wasn't going to fight to have the account reopened and delay the process of having my money returned. I was then called by a member of Bank of America to say my overpayment would not be returned until after the end of the month of XXXX and that my request to have my money back immediately was denied. I called again XX/XX/XXXX to speak with the loan officer that denied my request to have my funds returned promptly but have yet to speak with her. I called again for a third time to see where they were at on this case and was told there was nothing that could be done, while I sat at home wondering how to keep the lights on. 

XX/XX/XXXX, I called again to tell them I would like my money for overpayment back immediately or I was going to file a formal complaint with CFPB. That fell on deaf ears. 
On that same day, a lady by the name of XXXX called me and said If I send her a copy of what I sent already, about the bank statement showing the ACH clearing my account, she may be able to help but with no guarantees. I delayed filing my complaint report on hopes that she could work her magic and get my money returned. XX/XX/XXXX, I am contacted again by XXXX to tell me politely that they couldn't do anything. I just had to wait to receive my money when they send it out. 

I am owed in excess of {$6400.00} and this has put a financial burden and stress on my family and myself. I will never do business with Bank of America again
Product: Credit reporting

Requested fact-finding for fraudulent account. Received attached notice stating that they do n't have additional details and will get back to me in 60 days. This is a direct violation of the law. If a credit reporting agency is unable to verify how they are reporting data within 30 days, it must be removed. Because I am homeless and without a car due to the damage this has caused my credit, I 'm requesting rent at {$900.00} each month XXXX and Equifax have kept this on my report which is {$6300.00} per each agency. XXXX followed the law and removed it. Thank you, XXXX! My score went up XXXX points where it should 've been. Im also requesting loss of income which is {$3000.00} per month, as I lost my job due to no transportation. That was in XXXX. That totals {$12000.00} per agency. 

The only way changes will be made is if XXXX and Equifax are held accountable and are forced to compensate their victims! They are breaking the law and it has serious consequences. I 'm homeless during the biggest heatwave in XXXX XXXX on you!!!
Product: Payday loan, title loan, or personal loan

Money Lion has a instant feature for paying off a loan. It's instantaneous by credit or debit card. They are taking days to complete the transaction like an ACH. This is not the description of the product presented. Money Lion needs to honor what they present as products. They are falsely representing the services they market.
Product: Credit reporting, credit repair services, or other personal consumer reports

It would be fair to have the negative remarks removed and the report showing it is closed NOT " in dispute. '' OR It would be fair to just delete the negative report after all the hours and days I've spent trying to remove or improve my credit with XXXX XXXX from some collections that occured to me during a medical injuries I sustained and was out of work for 4 months. I have paid all balances to {$0.00}. I don't owe anyone money. They can at least help a willing customer.
Product: Checking or savings account

Some one used my card and made unauthorized atm withdraws. I reported it and the bank said since it was used in my area and since it was a chipped card they denied my claim. This is against regulation E
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity and information has been compromised and used without my authorization and consent. It has been over 30 days and I have not received accurate updated investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This accounts were deleted form my credit report in XXXX. It has been readded on credit report in XXXX. I have disputed this account as not mines. I have also provided a FTC ID theft form on this account. This is not a charge off. 

1. XXXX XXXX XXXX XXXX {$4100.00} Closed
Product: Debt collection

Harvard Collection Services owned this debt with account number : XXXX. I contacted Harvard Collection Services to verify this account that was not being reported accurately on my credit report. Harvard sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I stopped into local Citibank to make a deposit into my busines checking account The manager advised her staff not to service my business checking account, does not allow me to make deposits!! Its clearly not about money and business here its all about XXXX time and cost Citigroup board of directors a loss of gains in revenue. I then went to another branch on XXXX XXXX XXXX NY, attempt to raise the account status and improve cash management features which are more beneficial for my law firm and the banking needs we have, we made a deposit for XXXX on XX/XX/2020. The actions of and deception of Citibank tellers bankers is beyond belief
Product: Credit card

CITI Bank account XXXX. I have XXXX CITI accounts, this business XXXX was used only during the XXXX. When the {$75.00} annual fee came due in XX/XX/2016 ; I called to cancel. The rep said if I kept the card open the {$75.00} annual fee would be reversed. After 2 months I call to inquire why this had yet to happen. I spoke with the leader of team # XXXX in XXXX, FL, XXXX. XXXX said the rep other rep did n't note this reversal in the record so he refused to do anything. He suggested I close the account and would received a pro-rated credit of my {$75.00} ; which I did, however, no credit has yet been applied. Given CITI Banks record I doubt it will be!
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I leased an amount to have repairs completed on my XXXX XXXX XXXX. The lease was for 12 months. I was informed there would be XXXX interest if paid off within 30 days. 

I could not make the payment date for the XXXX. I had to adjust the date due to when I got paid so I could pay double the amount to get the loan paid off in 30 days. When I called customer service to adjust the date, they stated that for the 12 MONTH end of the lease, I would need to pay by the XXXX, but they could change the date. NO ONE SAID ANYTHING ABOUT THIS EFFECTING THE 30 DAY. 

I have paid the lease off in the 30 days within the NEW DATE KOALIFI changed upon my request. I have completed my obligation to this lease. I paid DOUBLE THE AMOUNT DUE FOR 30 DAYS. Now they are trying to push XXXX MORE on to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and used numerous times with plenty of fraud accounts opened over time. Here are the fraud accounts Ive discovered so far : XXXX XXXX ; Opened XX/XX/XXXX Balance {$5700.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$730.00} XXXX XXXX XXXX  ; Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  ; Opened XX/XX/XXXX Balance {$96.00} XXXX XXXX ; Opened XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX ; Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance {$190.00} XXXX  XXXX  ; Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX ; Opened XX/XX/XXXX Balance $ XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance : {$210.00} XXXX XXXX ; Opened XX/XX/XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these unauthorized inquiries not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some inquiries are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance Owed : {$240.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX must disclose there connection to squatter from XXXX here on an visa faking his name as XXXX XXXX and now the name, policy number and vital details blackout. You must process the claim as corrupt attorney XXXX XXXX were fully aware that I am owner on XX/XX/year> by XXXX  response under XXXX and reported fraud by XXXX XXXX XXXX XXXX and XXXX by XXXX  me XXXX XXXXXXXX XXXX XXXXXXXX XXXX With XXXX fake XXXX degrees XXXX. To be a doctor at clinic XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX. Computer professor at XXXX XXXX now fired case XXXX. Any details you can find on the CFPB FEEDBACK PAGE. XXXX informed by XXXX XXXX XXXX that they confirmed myself as title owner XXXX and XXXX and after he cash XXXX escrow account checks in my name I reported it to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit card or prepaid card

I 've had a Capital credit card for about 2 years. I have always had them make automatic payments deductions from my bank account. The last payment authorized was {$XXXX} per month when their payments were just {$XXXX}. About a month ago I received a notice that I have n't made any payments to the fo
r two months. They have applied late fees charges and were demanding close

to {$XXXX} to bring my account up to date. My problem is that they did n't notify me when they did n't pull out the usual amount without reaching out to me that more money was due. They did n't pull out the {$XXXX} or even contact me to let me know that more was due until two months after the fact and that payment request was already attached with late fees. I do n't have a problem making the monthly payments, but I do n't see why I should have to pay the late fees when they were authorized to pull out the {$XXXX} and should have been contacted at that time
that they needed more of a monthly payment so that I could adjust the bank authorization again.

It was their failure to notify me about the changes prior to the due date so that I could make changes. The reason why I had automatic changes was so that I would n't have to make sure that they got paid and I had one less bill to worry about since it was supposed to be automatically taken from my account.

I have been locked out of my account and ca n't see what they are charging me. Instead they are offering me payment options, but those payment options include the late fees that they inflicted upon me. I should have been notified when it was n't a sufficient amount so that I would n't have incurred these late fee penalties. Now what they have done was alter my credit ratings because I refuse to pay for late fees when they were supposed to take the funds directly from my bank account and should have notified me from the beginning and not wait until they applied two months late fees which is now three months and I have NO access to the account to see what they are charging me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please See : Complaint XXXX, Equifax 's response did not address my initial complaint! 

It 's simple Equifax ... make my free annual credit report available online!!!
Product: Credit card

I have had issues with late payments that negatively affect my credit while being enrolled in autopay with no explanation as to why it was not drafted. Ive also made payment each month and not seeing being reflected in my monthly bill. Per the CFBP pending lawsuit regarding interest I find this extremely inconvenient.
Product: Checking or savings account

I was scammed by someone who wrote bad checks and I got gift cards, not knowing they were fraudulent. They totaled XXXX XXXX. Filed a complaint with Wells Fargo on XXXX  XX/XX/XXXX. Called Wells Fargo today and they said since I particular in the scam I'm stuck paying.