23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681. Account name : # XXXX XXXX  Account name ( XXXX XXXXXXXX ) : # XXXX XXXX XXXX account ( XXXX XXXX  ) Account XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) number XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Money transfer, virtual currency, or money service

On XX/XX/year>, a transaction was made from my TapTap account of {$170.00} charged to two separate cards on the account. It was made to XXXX XXXX XXXX XXXX of account number XXXX XXXX XXXX XXXXXXXX. I had reported this as fraudulent almost immediately I received the notification but according to TapTap, it has already been sent. I have contacted my bank who denied the case saying that TapTap was a third party app for transfers so they had no grounds to file a claim and I would have to reach out to the merchant. The merchant in turn has not responded to my claim even after multiple escalation and I have reached out to them almost everyday afterwards. My claim of {$100.00} was denied by XXXX XXXX as of today. Im still waiting on the {$78.00} from XXXX resolution. Im so lost on what to do as I cant get to an agent at TapTap to connect me to this relevant department they keep claiming my case has been escalated to. The last agent requested that I also call my bank for a dispute and I have, today, communicated with them about the denial and they essentially told me to appeal. I tried that and bank told me to go back to merchant because no grounds to appeal. I keep getting sent back and forth
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX has violated my rights. 15. U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 Section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

I have not issued any written consent or instructions for this to be listed on my consumer report. FURTHERMORE, THERE IS NOT AN ACCOUNT NUMBER REFERENCED ON THIS ENTRY ON MY CREDIT PROFILE AND IS IN NO WAY VERIFIED TO BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the public record items on my consumer credit profile with the CRAs - Experian, XXXX, and XXXX. Each time, the said CRAs responded with the disputed items were CONFIRMED & VALIDATED by the ORIGINAL CREDITOR and or FURNISHER and items were said to belong to me. However, I contacted the US Bankruptcy Court XXXX XXXX XXXX Georgia via AFFIDAVIT of TRUTH to confirm the same. The Clerk of Courts responded on XX/XX/2022 via written letter and stated the US Bankruptcy Court DOES NOT furnish or validate public records items with any of the CRAs. The letter went on to say that the CRAs pull data from the PACER system. The problem is that PACER DOES NOT PROVIDE complete personal identifiers, such as complete social security numbers, in its database to provide 100 % absolute onus and accurateness. The public record information pulled from PACER is not Metro-2 compliant and does contain the REQUIRED complete identifiers required FCRA stated guidelines. The public record items on my consumer report does not comply with FCRA section 611 ( 15 USC sec 1681I ) and the subject CRAs are in direct violation of the FCRA law. I want the public record items deleted immediately.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX and XXXX was not given permission to disclose my personal information. I did not give consent to report this on my credit report or provide it to anyone outside of the XXXX  XXXX XXXX XXXX and XXXX. Under 15 U.S.C 1681B ( A ) Permissible Purpose of Consumer Reports in accordance with written instructions of the consumer to whom it relates. Remove this information from my consumer report now as it is against the law to report such.
Product: Credit card or prepaid card

On XXXX XXXX, 2022, a customer service representative from Bank of America stole my account information from two different credit cards I have with other banks and without my permission transferred the balances form both of those cards to a newly opened Bank of America credit card in my name. She stole my account numbers and account information from my other credit cards and processed balance transfers without my knowledge. It blew my balance on my Bank of America card by more than 3,000.00 dollars. I filed a complaint with BofA and they denied my claim of fraud. Can you please help me. Thank you kindly!
Product: Credit card

On XX/XX/2024 I was informed by Capital One that my account was being closed due to my past criminal convictions. I want to emphasize that none of my past convictions involve fraud or financial crimes. Despite this, Capital One has decided to close my account, which I believe is both unfair and possibly discriminatory. I reached out to Capital One to seek clarification on this decision, but the explanations provided were vague and did not adequately justify the closure of my account based on my past, especially considering that I have not been convicted of fraud. The closure of my account has caused significant inconvenience and financial disruption. I have been a loyal customer of Capital One and have maintained my account responsibly. Not to mention they closed my account after I paid a XXXX $ bill. I request that Capital One either reopens my account especially since the closure does not seem to be related to any fraudulent activity. I appreciate your assistance in this matter and look forward to a prompt and fair resolution. Thank you for your attention to this issue.
Product: Mortgage

We have a home equity line of credit of XXXX originally thru XXXX XXXX. which i have original paperwork. with XXXX only payments and a balloon payment at the end of term, which was XX/XX/XXXX originally date of loan XX/XX/XXXX. In XX/XX/XXXX we contacted BOA who now owns loan, for help with this, which we 've had numerous representatives or case managers. finally in XX/XX/XXXX of this year, XX/XX/XXXX we were granted a 40 year amortization loan. we sent back required forms thru XXXX, BOA never received it. I had to call XXXX to confirm delivery to BOA, which i did told BOA that our paperwork was delivered to them. XXXX weeks later they found the pkg, but by then it was too late and we had to start from scratch. Now we got notification that we were denied the loan modification, due to no interest only loan and no balloon payment. which like i stated i have the original paper work, for proof. They do not want to listen, do not agree, i offered to send copy of paperwork. I now have left message with last caseworkers XXXX, waiting on a call back. The case XXXX XXXX XXXX, XXXX of many we had, stated the decision is final and we can be put into foreclosure, even after attempts to change decision. this is when i asked to be put in touch with a higher up, his XXXX. I am now waiting for a call like i said. They are deceitful and unorganized, lose paper work also not having the correct paper work. I am doing everything i can to keep our home of 35 years.
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: Checking or savings account

XXXX of XXXX, I revoked authorization for XXXX XXXX to automatically withdraw flex loan payments from my checking account I revoked consent via their website and spoke with a customer service representative to advise them authorization was revoked and to inquire as to why payments were being taken when they should not. I was informed by the rep my account would be notated, but they'd more thsn likely contiue the automatic payments, because they typically do, even after consent was revoked.On several occasions, beginning XXXX of XXXX, I attempted to stop payments and dispute the transactions with my financial institution, XXXX XXXX, and was told the only way to stop the payments is to close the account, because Id made a bindingagreementwith the companyand they have the right to recoup their money. I explained that I'm not trying to get out of paying back whai I owe, but I wanted to make the payments myself, because XXXX XXXX is not abiding by the agreed upon payment dates by taking payments outside of the authorized due dates and withoutauthorization. I also explained my pay checks are directly deposited into the account and it would be a major inconvenience, due to me having auto payments, set up, my mortgage and other accounts to my checking account, and was again told there was nothing I could do to stop the payments, outside of closing the account, because they have my account number and the bank is not authorized to stop them. 

I'm currently under bankruptcy, as of XX/XX/XXXX, but the payments continue to be taken out without my authorization.
Product: Checking or savings account

I disputed some unauthorized ATM transactions {$2900.00} since XX/XX/XXXX and my bank chase keeps denying the charges saying I authorized it I sent proof that I didnt and I sent a detailed report saying what had occurred before I saw the transactions but they kept denying me the money my bank manager called and disputed it but still the same outcome. Few days after I disputed the claim I put in another claim for {$400.00} which was a complete amount of XXXX I only got the {$400.00} back but was denied the {$2900.00}.
Product: Credit reporting or other personal consumer reports

I started a trucking company in XXXX  and opened a business checking account with Chase for the company. Once I started generating revenue Chase offered me a business Credit card which I opened with them. Since the trucking industry as many other industries as well took a nose dive I was forced to shut down operations. Leaving a balance on the credit card. I have agreed once things settle for the company to pay the credit card balance however Chase has started to report on my personal credit the late payments on the business Credit card. I was registered as a XXXX XXXX XXXX  with the state of IN and as such opened up the credit card for the company. However due to Chases constant refusal to report this on the business instead of the personal credit it has caused me much harm in my personal life. I am not able to move my child to a better school as nobody is willing to give me a loan due to this reporting. I have had a very high credit score up until this point. I have never been late on any one of my obligations for any loans or credit cards. I request that Chase fix this problem and remove it from my personal credit reporting as soon as possible. They have also used threatening language in the phone calls they have made to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed unauthorized, fraudulent, and inaccurate, information, accounts, on my report, I also was alerted by MY FICO and XXXX XXXX my information was exposed and compromised and I was a victim of the XXXX Data Breachand on the dark web for fraudulent this information is hindering my ability to obtain credit. In accordance with FCRA 15 USC 1681 I am requesting to have this information removed from all three of my credit reports with XXXX, XXXX XXXX, and Experian within a reasonable amount of time.
Product: Credit reporting

Experian will not change payment status from XXXX despite documentation from XXXX and documentation from XXXX. XXXX changed its record to " Satisfactory. '' I have madethree contacts with Experian, to noavail.
Product: Debt collection

On or about XXXXI notified XXXX XXXX that I was not satisfied with the training that I was offered and confirmed XXXX XXXXXXXX XXXX XXXXXXXX that I could cancel my subscription and re-subscribe at a later time without consequences. I've had several conversation with since then and have been advised that the account is now in collections for XXXX XXXX.I am now going back and forth with Brown and Joseph The collection company as well as with XXXX  billing dept without success and have suffered a great financial loss as a result of not being able to work because my companies now only use 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. Futhermore, their dispute dispute resolution process was unfair and deceptive, as they dont 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: Mortgage

AmeriHome by far the worst mortgage company i have been working with. Since i lost my job due to Covid 19 which has been over a year I have been Faxing and emailing all paper work that has been requested and i have been told over and over they need more paper work which has been the same documents over and over today i call after speaking with one of there agents that deals with FHA loans and staying they needed one more document that i send that same day to be told today that my case was closed. Is there anything i can do. Can i change companies.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion LLC regarding their failure to process my dispute promptly and their request for additional documentation in the form of Social Security verification, despite already having the necessary information on file. The request was made following my initial dispute, which was submitted over XXXX days ago. I also submitted a complaint via the CFPB in regards to this dispute with complaint number XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have a right to accurate and timely reporting of my credit information. XXXX delay in resolving this dispute, compounded by their additional request for documents that should have already been sufficient for verification, has caused harm to my credit profile and financial well-being. 


Despite filing my dispute over XXXX days ago, TransUnion has not resolved the inaccuracies in my credit report, which is a violation of the FCRAs timelines for handling disputes. 

TransUnion is asking for additional verification of my Social Security number, which appears to be an unnecessary step and further delays the resolution of my dispute. 

I have enclosed the letter in response to their delay, along with a copy of the letter that was sent to me. 

I request the CFPBs assistance in ensuring that TransUnion complies with the FCRA and resolves this matter promptly.
Product: Debt collection

XXXX XXXX with SW mediation phone number XXXX has been calling different family members and myself saying that she is investigating fraud that I committed, that I need to pay today to avoid XXXX, when I returned call and asked for proof that that debt was mine, she immediately started making threats and saying and that a sheriff will be at my house between XXXX and XXXX on Friday for XXXX
Product: Debt collection

Hello, I was contacted in XXXX to pay a medical bill ( I believe my RevSolve, thats how it shows up on the bank statement ). I made a payment then, but at that time I hadnt received any type of letter informing me I owed the debt or that they were actually collecting on it. I informed them I could only make one payment at the time because of Covid but asked them to send me a letter so I could contact them, and informed them I was moving and they didnt update my address. They didnt contact me for a little while and then come XXXX I get a lot of calls. 

I still hadnt receive any letters. My wife updated the address after paying the bill, asked for a letter to be emailed on XX/XX/XXXX saying it was payed in full and was told it would be sent on XX/XX/XXXX via email and still nothing. 

Thank you,
Product: Checking or savings account

Since the beginning of XX/XX/XXXX I have been trying to close my XXXX account. First I called for my balance and immediately deposited a check for that exact amount in my checking account. Little did I know a charge of {$2.00} for maintenance was pending. That caused the check to bounce despite them saying they would reverse the fee and it would n't happen. I also got a bounced check fee of {$12.00} from my bank ) as well as a {$30.00} fee from the XXXX account. Then they said to do it electronically but the amount in the account was over the threshold. I had to write a letter but it kept adding to the time it was and is still has n't closed. Finally after complaining, they called me and said they would wire the funds. They called two hours later saying it was too late in the day to do it. As both my bank and theirs was still open, this is further example of them jerking me around. No one should have to go through this hassle to close an account. The bank is XXXX XXXX in XXXX, WI
Product: Credit reporting or other personal consumer reports

The following hard inquiries reflect on both my TransUnion and XXXX credit report and I have not initiated any transactions with such company, nor do I have an account with them for review or collection purposes. Therefore, there is no valid reason for them to access my credit report. XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX  XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXX/XX/year>.
Product: Checking or savings account

Bank has closed my account 4 months ago, yet I haven't received my check for {$10000.00}. They shipped out the check, however it was lost and I never got it. I called for 2 months every 3 days and they kept saying they will issue out a new check yet they haven't. Every time I call it's the same story, we sent a notice to the back department. I'm sick of it and will be filing a lawsuit if it's not given to me by XX/XX/23. Bank withheld funds past 120 days! 

UPDATE : I've called for the XXXX time and they say that someone has cashed in the check that sent me, although for the past 3 months I've been informing them to cancel the lost check and reissue another. I have NEVER received my money from this HORRIBLE BANK and they are RESPONBILE for losing my check, not canceling and reissuing when I told the XXXX times. They are liable for the money they OWE me!
Product: Checking or savings account

On XX/XX/2023, my entire bank account balance was debited and I am now left with no money. I bank with Citibank. I have went to the bank several times, and they were unable to provide me with an explanation. The bank was unable to specify the reason for this withdrawal, and now I am left in limbo with {$220000.00} unaccounted for. I have even went to the branch, and they told me that they could not " divulge any information '' and to wait 30 days. My reference case number with them is : XXXX. I am unable to fulfill my mortgage obligations and could run into serious troubles if this is not handled. May you please assist me with this issue ASAP? Thank you very much!
Product: Credit card

I was having a hard time closing my debit account with Wells Fargo for months. They wouldnt provide the proper steps for me to close the account. After charging me to keep the account open for months, over draft fees and actual fees to keep my account open, charging me for lack of activity. I went into a branch and the manager told me I didnt know how to read which is what landed me in this situation. I reiterated my concerns after more time and more fees I paid them and repeatedly saying do not close my credit card it will destroy my credit. They closed my credit card anyways and now Im stuck with a balance and bad credit and no way to fix the problem. Finally in XX/XX/2023 the account was closed and my credit has been declining since. The manager XXXX in a XXXX branch was who made this awful experience even worse.
Product: Credit card or prepaid card

Im going thru extreme financial hardship and can hardly afford to put food on the table for my family, and Im going on unpaid XXXX XXXX XX/XX/XXXXand will have absolutely no income what so ever. Im trying my hardest to avoid bankruptcy but it is very hard as companies are unwilling to help people in need or in these situations. I have tried to settle with this company prior and it got me no where. Im hoping this will help and get this resolved, as Im trying my hardest to do what I can.