23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Someone opened a credit card account at Wells Fargo in my name. There is a balance of over {$32000.00} and it is delinquent. I dont not have an account with Wells Fargo
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, XXXX is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with LAW SUIT, litigation AGAINST these XXXX entities the XXXX XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION FOR WHICH IM THE CARD HOLDER
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries 1 of 2 please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX  XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Student loan

I kept trying to make payments since XXXX but they kept being rejected along with the interest fees increasing. In XX/XX/XXXX and XXXX I made XXXX payments of {$13000.00} and {$1000.00}, and {$810.00}. On XX/XX/XXXX I put in {$100.00}. All were given a rejection notice except for the {$810.00} that was actually part of the {$1000.00}. Somehow that extra {$1000.00} just happen to not go through while interest also continues to stack. So far, for the rejected money I never got back in the bank as of now XX/XX/XXXX. ED Financial took all my money and I put in a request to find it. They need my bank statements which aren't released until the end of the month so the only proof I have is the withdrawal on my bank and the emails notifying I sent them.The representatives were helpful but confusing and I can't reach them on the weekend. 

As of now the {$13000.00} says paid off but with a $ XXXX saying it posted and not the $ XXXX. Its confusing and if my money has been rejected I'd like to have it back so I can pay off the other loans so they stop stacking interest.
Product: Checking or savings account

its been about 2 month since i been having a problem with BMO bank someone try to cash my tax returned check and they are refusing to reverse the transaction the times i called trying to resolve this i get nothing but attitude from the dept that is taking care of this when i talk to the the very first time i was told by one of branch vp that as soon as they would get the request from the bank that they would refund the money back to bank only now that bank is requesting the money they refuse to response back to the bank
Product: Credit reporting or other personal consumer reports

I am submitting to follow up on my previous dispute concerning the fraudulent items present on my credit reports. Upon reviewing my updated credit file, I have noted that the items in question persist, despite my earlier dispute. Additionally, I have not received any supporting documentation from the credit bureaus substantiating the legitimacy of these items. Consequently, I am urging for the immediate update of these items in accordance with Section 605b of the Fair Credit Reporting Act ( FCRA ). As stipulated in FCRA Section 605b, credit bureaus are obligated to expeditiously rectify any inaccurate, incomplete, or unverifiable information from an individual 's credit file. I have provided evidence supporting my assertion that these items are fraudulent and do not accurately reflect my credit history. It is disconcerting that the credit bureaus have not furnished any supporting documents to counter my claim : EXPERIAN : XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$22000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance OweXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$0.00}. I respectfully request a thorough investigation into this matter and the expeditious removal of these fraudulent items from my credit file. Furthermore, I request that you provide me with any supporting documents you have received regarding these items, as mandated by FCRA Section 609. Enclosed is a copy of my credit report, highlighting the fraudulent items in question, along with any additional supporting documentation that may facilitate your investigation.
Product: Mortgage

Issue # 1 : Mortgage payment for {$1500.00} mailed on XXXX XXXX. 
Check reported not received by lender on XXXX XXXX. 
Funds were wired to replace lost check. While confirming wire had been done with lender I asked them to verify one more time the check was not there. They found the check after the funds had been wired. At that point I placed a stop payment on the check. 
I was not charged any fees by my bank. I was told by customer service that there would be no charge and that the supervisor would call me back. 
That did not happen. 
I received my new mortgage statement for XXXX and there was a {$25.00} returned check fee, but no returned check. 
I called XX/XX/XXXX and once again I was told the supervisor would call me back within 24-72 hrs. 

Issue # 2 : In XXXX of XXXX, I was charged a fax fee of {$5.00} for considering a refinance. 

Thank you in Advance for any help you can give me. Please advise.
Product: Debt collection

CHASE CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX Subject : Complaint Against CHASE for Violations of FDCPA, FCRA, and TILA Dear XXXX XXXX XXXX XXXX XXXX  ) and Consumer Financial Protection Bureau ( CFPB ), I am writing to bring to your attention a concerning matter regarding CHASE CARD MEMBER services. Despite my efforts to dispute a debt, they have consistently refused to provide validation and proof of claim, a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). These violations are particularly troubling, as they compromise my consumer rights and negatively impact my credit report. 

Under the FDCPA, debt collectors, such as CHASE CARD MEMBER, are obligated to provide validation and proof of a disputed debt upon request. Despite my repeated attempts to obtain this information, CHASE has failed to comply with the FDCPA guidelines. This not only raises concerns about the accuracy of the debt but also questions its adherence to federal laws designed to protect consumers. 

Furthermore, the FCRA stipulates that if a company fails to respond to a dispute within 30 days, the disputed item must be deleted from the consumer report. CHASE 's failure to provide validation within the mandated timeframe further compounds the violations, compromising the accuracy of my consumer report. 

Additionally, the TILA, working in conjunction with the FDCPA and FCRA, emphasizes the importance of transparency in lending practices. CHASE 's refusal to provide validation undermines the spirit of these laws, leaving me with unresolved disputes and potential inaccuracies in my credit report. 

I request the XXXX and CFPB to investigate this matter thoroughly and take appropriate action to ensure CHASE CARD MEMBER rectifies its debt collection practices in compliance with federal regulations. Moreover, I urge you to hold CHASE accountable for any damages caused to my consumer report and take measures to prevent such violations in the future. 

Thank you for your attention to this matter, and I trust that your organizations will take the necessary steps to address and rectify these apparent violations promptly. 


Sincerely, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Checking or savings account

On XXXX, I went to my local Chase Bank to open a First Checking account for my son. The gentleman told me I needed to open the account online, which I proceeded to do while in his office. He told me that the opening deposit had to be a transfer from my account into my sons, but that going forward my son could deposit funds at a chase location. I tried to fund the account online while at the location, but it told me there were issues and to try later, I told the gentleman, and he told me there must be an issue with their system. I tried to fund the account on Sunday, only to be unsuccessful. I called Chase and was told that I was the only one who could fund my child 's account and since there were technical difficulties all they could do was issue me a ticket number to have the issue resolved. So, because they had IT issues, there was no way for them to even make the transfer for me to fund the account. NO ONE can add funds to the account except me ONLINE. They told me it would be resolved within 48 hours. They also told me that I was incorrectly informed at the chase location and that the only way to EVER fund the account was through a transfer. FIVE days later, I still can not put funds in the First Checking for my son. I have received the debit card, but my child can't use it because of the internal issues with the account. I called and checked on my ticket today and was told it was still open and that someone should call me soon. It's pretty deceptive to advertise an account on their website that can't be funded and knowingly has internal issues.
Product: Mortgage

IN XXXX my husband and I got a secured loan through XXXX XXXX XXXX that had four properties as collateral for this loan ( XXXX ). This mortgage was bought by Ocwen who we continued to pay for until XX/XX/XXXX when we paid off the loan in full. We never missed a payment, always paid on time, and paid all owed taxes in escrow as they asked. We PAID OFF this 16 % loan in FULL on XX/XX/XXXX. Recently, we are selling three of these properties ( XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, PA and XXXX XXXX XXXX ( XXXX XXXX, PA ). We have found that OCWEN FAILED to file satisfaction for any of these properties. We have a closing scheduled for within a week ; only to find that we can not close because Ocwen ( even though they have had a YEAR to file these MANDATED PAPERS ) has FAILED to CLOSE PROPERLY by not filling these satisfaction papers in either XXXX XXXX, PA ( where XXXX and XXXX are located ) or in XXXX XXXX, PA ( where XXXX XXXX XXXX is located ). My husband is having XXXX XXXX XXXX that we need these monies for and can not complete the closing because Ocwen ( even with NUMEROUS calls ) refuses to do. Infact even after getting TWO attorneies involved OCWEN refuses ( even though I granted permission for them to talk to these attorneies ) to return numerous attempts at resolving this issue. My understanding is that these satisfaction fomrs should have been filed in the appropriate county office within 90 days. It has been a YEAR ( 365 days ) and they are  still not filed. In addition, Ocwen is asking ME and my Attorney for information on my account ( claiming they can not find my loan information ). We have faxed, called, and tried to get this information to them ; with no response and no immediate action. We may very well lose these sales due to their not doing what is MANDATED for them to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a car dealership to apply for a vehicle and they stated they would only be allowing one bank to pull my credit report. However there were over 20 hard inquiries. Some from the same bank twice or three and four times. Such as : XXXX XXXX XXXX XXXX XXXX XXXX ( twice ) XXXX XXXX XXXX  ( three times ) XXXX  XXXXXXXX XXXX XXXX ( Four times ) XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX twice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX twice XXXX XXXX XXXX XXXX XXXX three times XXXX XXXX
Product: Credit card or prepaid card

I hae a Citicard, Costco Anywhere card. I have tried on several occasions over the past month to get a replacement statement for XX/XX/XXXX. On each of three occassions they promised to send another one. We never received.it. It became such a problem that a supervisor gave us a XXXX dollar credit on XX/XX/XXXX. As of today we still do not have a statement. They continue to lie about sending one. It seems unfair that they can send tons of promotional material but will not email me a copy. I spoke with them again on XX/XX/XXXX and was told if I setup an online account I could see one there. Exposing my personal information to the internet is not fair either. But I need the statment so I complied. I requested it on Saturday and on Wednesday XX/XX/XXXX it was listed there but i could not open it. I called in again spent over 40 minutes on the phone and demanded it. Once again they said they can not email it they never mailed it and would not credit my account again. Why are they allowed to lie on the phone. Why are they allowed to send unwanted emails but will not send my statement. They couldn't even fax the statement. I was faxed a list of charges but on cover letter they said they can not fax a statement. The fourth lie by a supervisor. What else are they hiding and over charging for?
Product: Checking or savings account

A local ( XXXX, Mn Branch ) Us Bank Branch banker ( XXXX ) called me to solicit opening up a CD around XX/XX/2023 under a promotion with a XXXX APY for 11 month term. She sent me the application link via email and i completed it while on the phone with her. When we got to rates I questioned why the rate I saw was XXXX APY side said oh thats the current promotion ; however, I am submitting a special pricing request that is done with a form to my [ regional/district? ] Manager they approve it and then you will see it on your account. I work at a bank, familiar with this process, it is not uncommon so I felt comfortable proceeding. She committed to emailing me when she got confirmation of the approval. I did not receive email, but waited. The first month interest got paid. Still no change in interest. I called XXXX at the number she provided and left message and my number she never responded. 2 weeks later again called back left message still no call back. XXXX or so weeks later I called the main Us Bank customer Service and asked to file complaint and they said someone would call me within XXXX Business days and no one did. I called again on XXXX XXXX ( 2 months after opening CD, still at XXXX APY ) and asked to file another complaint. They had no record of my first complaint because they do not have a complaint system and no notes were on my account. They again said someone would call me in XXXX business days and no one has contacted me. I attempted calling Branch, but it rolled over to the main customer service line. At this point Im upset 1 ) that the banker misled me to opening the product up at an APY that was not valid ( Sales practice misconduct ) 2 ) the fact that US bank does not have a way to properly catalogue, remediate, and disposition customer complaints. 3 ) the lack of follow up, run around and transparency provided to me from the financial institution 4 ) lack of timelines and number of times I have had to make contact and still have no answers
Product: Money transfer, virtual currency, or money service

( 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 redres. for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

An agreement was made via phone and letter received that once the acct was resolved, the company will remove the collection from my credit file. My concern and why I am reporting this is because instead of deleting a few days ago, the company updated the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ...  DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
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 highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds are impossible and that tracking the 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 scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

There was fraudulent activity with my SSN. Someone used my identity to apply for a credit card/loan
Product: Debt collection

I have been being contacted by different but alike numbers since XXXX XXXX XXXX. When thus " company '' leaves a voice-mail they do not always introduce who they are or why they're calling. My last voice-mail simply said " hello '' in a very rude and bashing tone. Looking at the reviews of this company it seems that they may partake in fraudulent activity and I have no interest in paying off my debt to them. I'm currently working with another debt collection company who is wonderful and understanding.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was recently made aware of a negative inaccurate item on my credit report by your company.This account shows as written off on my credit report and I have not received a XXXX. Please supply me the XXXX XXXX This is false reporting and if not removed I will move forward to suing for statutory damages. I request that you please do the following within XXXX  days : XXXX. A copy of the original contract or agreement that forms the basis of the debt. XXXX. A detailed itemization of the charges, including dates, amounts, and descriptions of services or goods provided. XXXX. Proof of ownership and chain of assignments, including : - Assignments or transfers from the original creditor. - All subsequent assignments or transfers. - Verification of each assignment 's effectiveness date. Proof that you licensed in my state, and provide me with your license number ; XXXX. Verification of the accuracy of the debt amount. XXXX. A statement indicating whether the debt is subject to any statues of limitations or other defenses. If you fail to provide this information within the specified timeframe, we will consider the debt to be unvalidated and potentially invalid.
Product: Credit card

I used my XXXX XXXX XXXX credit card, issued by Chase, with no foreign exchange fee, for a purchase in XXXX XXXX. The exchange rate used by Chase, provided by XXXX, was incorrect, causing me to overpay by US {$380.00}. The transaction posted on XXXX XXXX, 2016. Chase has twice refused to help because it is an exchange rate dispute. XXXX XXXX has also refused to acknowledge their error. 

For the date in question ( XXXX XXXX, 2016 ), here are the various conversion rates from XXXX XXXX XXXX XXXX XXXX to XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see above, XXXX rate is substantially higher than those of its competitor XXXX as well as the various benchmarks. 

I have also done further research and found that, for the 4-day period from XXXX XXXX to XXXX, XXXX exchange rates from XXXX to XXXX deviated significantly from the rates for mastercard and the other benchmarks. In addition, for the same 4-day period, XXXX exchange rates had the same issue from XXXX to XXXX, as well as from XXXX to XXXX Dollar XXXX I have attached charts for the exchange rate for all benchmarks ( XXXX, XXXX, and XXXX ) for XXXX XXXX to XXXX for those XXXX currency conversions from XXXX to XXXX, XXXX, and XXXX. ( I did not check other currencies but assume there was a similar issue. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX