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 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 Electronic Fund Transfer Acr ) EFTA ) and Regulation E. These actions have causes significant inconvenient and finical loss, and I seek to appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions THIS ACCOUNT SHOWS INCORRECT TWICE IN MY CREDIT REPORT WITH LATE PAYMENTS _____________________________________________________________________ In accordance with the Fair Credit Reporting XXXX act # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions THIS INFORMATION IS INCORRECT WITH ONE LATE PAYMENT _____________________________________________________________________ In accordance with the Fair Credit Reporting XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I NEVER HAD A COLLECTION WITH XXXX XXXX _______________________________________________________________________ In accordance with the Fair Credit Reporting JPMCB INQUIRIES has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I HAVE A TOTAL OF SEVEN INQUIRIES FROM JPMCB THAT I DID NOT MADE
Product: Credit reporting or other personal consumer reports

All the proof asked for Experian did not give to me. 

That all Experian does is call the creditor and believe everything they say with no proof. 


Remove this off my credit report or get sued.
Product: Debt collection

Capital one was my lien holder for my auto purchase last year, through them I purchased gap coverage as well. On XX/XX/2021 I was in an accident that was a total loss of the vehicle my insurance already paid out their portion capital one sent all the paper work to my gap provider around XX/XX/2021. On XX/XX/2021 I started getting calls from capital one threatening to put the remaining balance against my husbands and my credit stating all payments from insurance had already been processed and I owe the remained. That day I was able to get the gap company ( XXXX XXXX XXXX ) number only to find out they had the file but never even started to process the claim. Since then I have gotten 3-4 calls a week from capital one threatening to put the remained against my credit even though I had told them the gap claim is still being processed. As of XX/XX/2021 XXXX XXXX XXXX is still giving me the run around and making excuses saying they are still reviewing the claim. Capital one has locked me out of any automated support for even my credit cards which are up to date. I just dont know what to do at this point nor do I think it is right that the first time in my life I have ever needed to use gap coverage that they can just refuse to pay for this long even though I paid for the service and have been charged interest on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning a {$210.00} balance reported by XXXX XXXX XXXX, XXXX for a debt previously owed. According to the company the debt is a remaining balance for a debt originally in the amount of {$700.00}. However, the debt has been settled in full as of XX/XX/XXXX. I previously received a letter dated XX/XX/XXXX which indicated if a payment of {$490.00} was received by XX/XX/XXXX the account would be " settled in full ''. As a result I obtained a money order from my financial institution on XX/XX/XXXX and mailed the item to Portfolio Recovery the same day. Despite paying the settlement, an additional {$210.00} balance was added to my credit report. On XX/XX/XXXX I submitted a dispute of the {$700.00} balance and informed the agency of the settlement. I allowed 30 days for a response and have not had any feedback since that time. However, as of XX/XX/XXXX Portfolio Recovery has reported a {$210.00} balance. This is dishonest and incorrect. Is there anything that can be done to get this matter rectified? I would be happy to provide a copy of the settlement agreement provided by Portfolio Recovery as well as proof of the money order sent and date of receipt.
Product: Checking or savings account

To Whom It May Concern, Please may I request your help? I had a checking account opened with the Bank of the West for the last year, given the fact that it was the only national banking institution in a very small town in Iowa. When purchasing a home in the area, I was instructed by the XXXX XXXX XXXX to instruct my bank to set-up an ACH withdrawal monthly, to ensure the payment was made on time. Upon doing so, I personally went into the bank on XX/XX/XXXX and spoke with a teller directly. I specifically put in a telephone call, when in the bank to clarify my routing and account number with XXXX XXXX.The teller representing Bank of the West. The teller argued that the XXXX XXXX XXXX had the wrong routing number and insisted that the number that she relayed was correct. The payment never posted to my account and I was reported 30 days late to all three credit agencies. Company policy with XXXX XXXX is that if a payment is returned, they will not attempt the next monthly payment, therefore reporting a 60-day late notice to all three bureaus again. I was not aware of this until after the fact. I immediately contacted the Bank of the West and they claimed that the fault was placed on XXXX XXXX. I consistently telephoned the company daily until I finally spoke with the one supervisor named XXXX, employee number ( XXXX ) representing XXXX XXXX. I was again informed that a third attempt had been made to the Bank of the West for the month of XX/XX/XXXX that again had been returned. This now has resulted in placing my credit in deep jeopardy. I personally went into the Bank of the West again to ask them to research exactly why these payments were returned. They again placed the fault on XXXX XXXX XXXX and denied me any further help. The supervisor XXXX ( XXXX ) representing XXXX XXXX, Telephoned me back after researching the exact telephone call that had been placed by me initially ; from the Bank of the West to establish the ACH withdrawal. There is a taped recording timed at XXXX XX/XX/XXXX. The teller representing Bank of the West clearly stated the wrong routing number. Please I ask you to help me with this very serious error on the part of the bank. The fault is completely theirs and my credit has been devastated by this massive mistake. Thank you, very sincerely.
Product: Debt collection

The debt, a payday loan, was discharged in XX/XX/XXXX in a chapter XXXX bankruptcy filing. The lady on the phone said that she was trying to head off the company filing a suit for collection in court. She called at XXXX on Friday, XX/XX/XXXX from XXXX and said she was with EZ Corp. This is approximately the 3rd collection call from since discharge in XX/XX/XXXX that I have answered the phone and the person said they were from EZ Corp. Each time this has happened they were reminded of the XX/XX/XXXX Bankruptcy filing, so they are not ignorant that they should not be contacting me about this ever. They are illegally operating outside of the bankruptcy law and bringing up debts that they can not legally collect on. They are stalking me, and collecting my personal information to harass me. I have changed my cell phone number since XX/XX/XXXX and although the number is registered on the Federal DO NOT CALL list, they apparently ignore those laws too and call. This makes me feel very unsafe and I feel like they would try to physically harm me by trying to continually locate me. Please STOP these people.
Product: Payday loan, title loan, or personal loan

I received a loan from XXXX XXXX on XX/XX/2018 they take out XXXX biweekly I called to inquire about payoff amount I borrowed XXXX and my payoff balance as of XX/XX/XXXX is XXXX not only have nothing came off of my balence of the XXXX already paid. The said it is so high because I didnt do the other pay off options that was never even offered to me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$860.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has XXXX XXXX as an open account with a balance of XXXX. I was told by both Transunion and XXXX XXXX that this account would be removed by today, XX/XX/XXXX
Product: Debt collection

There is no way this is also accurate there is a company listing I owe XXXX I have disputed with nothing being received back.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX. XXXX XXXX - XX/XX/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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB Lawsuit highlight significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs 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 scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX, I was charged a {$35.00} overdraft fee from Bank of America. My account had a hold that was placed three weeks prior, and unbeknownst, an ACH from XXXX XXXX went through. Somehow, the hold disappeared and the ACH charge was allowed to go through, causing my account to be overdrawn even though I had a new account with them that had enough balance to cover it. I called customer service and they refused to refund me the fee. I then spoke with the fraud department and they told me that this was indeed a banking error and in no way my fault. They said they would reverse the charge but they still have not done anything. I called customer service again and they still refuse to reverse the fee. 

The reason why my account had a hold was because of a fraudulent XXXX charge from XX/XX/2021 that Bank of America refuses to credit me. I submitted a complaint with XXXX  and the response from Bank of America was that they would credit me " within 45 days. '' It has been past their timeline and I still do not have my money back. I don't know why they keep stealing from me and I really do not know what else to do. I am about to have a XXXX XXXX over this. BOA is causing my XXXX XXXX to deteriorate. I need them to stop stealing money and return what they took from me. If not, I am afraid I will have to escalate the matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

AN UNAUTHORIZED CREDIT INQUIRY WAS PULLED BY XXXX XXXX XXXX , XXXX . / XXXX XXXX XXXX XXXXXXXX XXXX. I DID NOT AUTHORIZE THIS INQUIRY. PLEASE REMOVE UNAUTHORIZED INQUIRY FROM CREDIT FILE.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE NOT MINE AND FOR A LONG TIME I HAVE WANTED THEM TO BE REMOVED FROM MY CREDIT. IT IS SOMETHING THAT HAS HURT ME FOR A LONG TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX
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 ( 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 redrest for these violations
Product: Debt collection

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan as defined by 15 USC 1602, am disputing the alleged debt with NELNET and furthermore they have violated my rights as a consumer. I can not be liable to the debt in question as I used my credit card, as defined by 15 USC XXXX, to obtain money to attend UNIVERSITY OF THE XXXX XXXX and XXXX UNIVERSITY. For the NELNET to state that I owe them any money is in violation of 15 USC 1692e ( 2 ) ( A ). In addition to their false and misleading representations they furnished deceptive forms in XXXX separate instances which is a violation of 15 USC 1692j ( a ). Furthermore, NELNET communicated with XXXX, XXXX and XXXX to have information furnished on my credit file without my written consent in violation of 15 USC 1681b ( 2 ). 
Pursuant to 15 USC 1692h, if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I am directing NELNET apply the XXXX individual payments, totaling {$3200.00}, to myself by check.
Product: Credit reporting or other personal consumer reports

I'm filing this complaint against Experian for not update my credit report to reflect my current status with all my creditors that reports my credit, they haven't updated nor posted and of my current credit status to show my updated credit score so my mortgage lender can run a credit check so that I can Uptain an prequalifying approval. When trying to run a soft credit check it show that I don't have any record on file, for when logging into their site it shows all my information plus some incorrect information, outdate information. 
When I call, I get their automatic system never get connect to alive agent. So, I send messages through their system as far as it would allow me. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
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 violates 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 not only vulnerable but unprotected as well. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) along with Regulation E. These actions has caused a significant amount of inconvenience and financial loss along with distress and anxiety. For this type of bad business, I would like to seek the appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have been in a XXXX XXXX bankruptcy for 5 years. My student loan account has a bankruptcy freeze, meaning I can pay and discuss, but NELNET can't collect the debt. They are reporting me at 120 days past due, and they already have my daughter who is a 2nd year in repayment status, and have me delinquent on that as well. This has impacted my credit score in the worst way and my current creditors are lowering my available balance due to the steep drop in my credit score. NELNET acknowledges that this was on a freeze.
Product: Mortgage

I applied for a Home Equity Line of credit on XXXX XXXX with Bank of America. 
On XX/XX/XXXX, XXXX XXXX introduced himself service XXXX handling the account Bank of America sent the disclosures and requested XXXX documents on XXXX XXXX including the most recent social security awards letter. All the documents were sent to XXXX XXXX. 
Having not received an information about the status of the loan there calls were made to XXXX XXXX and messages left. There was no response. 
On XXXX, I spoke with XXXX XXXX who informed me that a letter of denial was in the mail. 
He stated that the denial was due to the Bank not receiving all the documents requested. He added that the denial was also based on the assumption of the Bank that I was too young to receive social security. Injecting age into the decision is a violation Equal Credit Opportunity Act. 
If the Bank required additional documentation or clarification, they never sent a request for such. 
Recognizing that the Bank had made a colossal error and violated Federal Law, I called XXXX XXXX and left a message ; I called XXXX XXXX and left a message ; I called XXXX XXXX and left a message ; None of the persons mentioned above returned d my calls. 
Subsequently, I received a letter from Bank of America stating that the Current/ Proposed Debt is High Relative to Income. 
The Bank made XXXX errors : XXXX ) it made a wrong assumption about social security award ( letters sent ) and did not include it as income XXXX ) the Bank did not subtract the debt that would be paid off by the loan that would reduce the debt-to- income ratio. The Bank violated federal law by its discriminatory actions.
Product: Credit card

On XX/XX/ I disputed an interest charge of over 100 %. When I spoke with the representative the account was corrected and I paid the remainder of {$400.00} and on XXXX XXXX  I paid the account in full with a remaining balance of {$350.00}. I requested a payoff letter and that the account to be closed. On XXXX XXXX XXXX  I received a new bill for {$800.00}. I am requesting a investigation for deceptive practices and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their XXXX website, and would like a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove any and all fraud alerts and freezes attached to my name and credit report.
Product: Credit reporting or other personal consumer reports

My credit report shows unauthorized inquiries that I didnt permit, hurting my credit. Please remove these in accordance with 15 USC 1681b ( c ) ( 2 ).
Product: Credit reporting or other personal consumer reports

On my credit report there is record of XXXX GA address. I have never lived at that address. This was the address used to open a fraudulent account under my name.
Product: Consumer Loan

Well i am a XXXX year old woman who is on her own and needed to get back and forth to work. I went to right way automotive credit because i had XXXX credit and could not get accepted anywhere else. At first everything was great, until i realized that i was scammed and got a car only work XXXX and was charged XXXX. I have nothing but issues since i drove off the lot. within the first two weeks i had to get my fuel filter replaced because it was super rusted and it had a hole in it. i have gotten the car in XX/XX/XXXX it is now XX/XX/XXXX, i have had the car for a total of 4 months and a rod in my engine blew. now i am XXXX in the hole for a car my insurnace and XXXX quoted was only worth XXXX in Excellent condition. i have no idea what to do. i was taken advantage of totally. no one should finance an XX/XX/XXXX XXXX with XXXX miles on it for XXXX.