23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2024 I opened an account in pursuit of a {$500.00} promotional incentive. I met all requirements ( $ XXXX direct deposit and enroll in online/mobile banking ) but was told I was declined due to the fact that I previously had a business account. The terms and conditions state everything that disqualifies you is regarding a consumer checking account. Then it states you can not have had a bonus in the last XXXX year. The is very misleading as all terms and conditions are regarding a consumer account. The current bonus that they have also is exclusive to consumer accounts. 

I should be paid the promotional incentive as I met all terms and the conditions were misleading about only a consumer account mattering.
Product: Credit card or prepaid card

Visa sent a notification to citizens bank my account holder that there is a possibility of a fraudulent merchant involved with my account. 
My card has been cancelled without my knowledge or input in any way. Citizens says there is no fraudulent transaction just a notification from visa that the account number may be compromised. 
Have they notified XXXX it XXXX in the process? Citizens has no information. 
In my opinion visa needs to provide specific information about the suspected fraud to the consumer and the bank. 
How am I supposed to prevent another questionable transaction on my end without any specifics?
Product: Credit card

Approximately {$2000.00} was fraudulently used on my Capital One Platinum credit card between the months of XXXX and XX/XX/2023. I disputed these charges as soon as I discovered them in XXXX and Capital One stated there wasnt sufficient evidence to overturn their decision. Im XXXX  and live off my retirement checks. I cant continue to pay for something I didnt purchase.
Product: Student loan

In preparation for repayment I paid a full month and some more in advanced because I wanted to prevent any interest from accruing. Since the repayment was supposed to be auto-debited and made on XXXX and I saw no payment I called and nobody answers but it says I am in delinquency. I need HELP, this is already too much, it is overwhelming and it feels like the handler is purposely sabotaging and trying to put us in default. 
XXXX and dept of education have said multiple times that this is not their jurisdiction and that Mohela is supposed to self-supervise and I can not complain to anybody else. 

The loan servicer JUST picked up the phone and say that even though I paid XXXX since XXXX this year ahead of the repayment date, they did not count it as a paid ahead and they failed to auto-debit my account ( that they had already confirmed they would auto-debit ) and threatened to put me in default. 
The agent said that the reason it may not have been charged is because since I paid ahead they decided not to charge me so they would not charge me extra but at the same time it does not count.
Product: Checking or savings account

On XX/XX/24 I made a cash deposit of {$5000.00}, however only {$1000.00} reflected deposit. I contacted Huntington and they advised they were aware of this particular ATM issues and a technician was currently en route and gave me a {$1000.00} credit though I needed my full cash deposit available. The agent assured me any fees or costs to me that Huntington would reimburse due to the error being on them and not me as a customer. I thanked her and concluded the call after she created my ticket for the error. However days had gone by and I still had not heard back and my funds were not in my account still and it was time for me to pay my remaining balance on a house I was to move into. Trying my best to explain this to both Huntington and the property owner the owner agreed to give me a 24 hr extension, however Huntington didn't make my funds available in time so I loss my partial deposit on the property of {$3500.00} and Huntington needs to reimburse me for it and they're giving me issues now that it's time to do so as I was promised. Though this has costs me and my family over the {$3500.00} I am only asking for my deposit to be reimbursed while I locate another property again due to their negligence and untimely resolve. Though Huntington provided me a letter owning their error they think its fair to not pay me what it costs me due to their error.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 SECTION 602 states that I have the right to privacy. 15 USC 1681 Section 602 ( a ) also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

Advance America Number XXXX made 2 ach deductions on my checking account using check number XXXX dated XX/XX/XXXX in the amount of XXXX and they made another attempt on XX/XX/XXXX in the amount of XXXX. 

Also on XX/XX/XXXX I received a call from the manager XXXX about coming in to pay on this same check that they made 2 attempts on or he said that he was going to deposit the check that is in his office. I said I do n't have the money because I wo n't be receiving my payroll on the XXXX and because of the holiday, I will not get my payroll until the XXXX of XXXX. 

I went in to the office and paid the interest of XXXX ( which I incurred another fee of XXXX plus XXXX. ) Because of what is happening with Advance America, I am going to my bank and will have to close my account to prevent them from taking the funds out of my office, and if funds are not available, I will get a charge of {$37.00} which they have caused. 

I am not going to conduct business with Advance America anymore. 

I saw on my bank statement that the attempts were made, not successful, thus causing my to have nsf fees.
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 proce 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 andXX/XX/XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a CFPB dispute against SUPERLATIVE RM on XX/XX/year> asking for proof that they had permission to pull my XXXX credit report. That CFPB dispute number was XXXX. 

SUPERLATIVE RM responded on XX/XX/year>. In their response they did not provide any of the information I had requested, nor did they address the issue I had raised. Instead, XXXX XXXX, the Compliance Manager, stated that she sent a direct response to me. This was a lie. I have not received any communications from her or SUPERLATIVE RM. 

If SUPERLATIVE RM does not provide proof that they had permission to pull my report, I will have no choice but to take further action. If proof is not provided through the CFPB, this will be accepted as an admission that SUPERLATIVE RM did not possess a lawful reason to access my report. 

Thank you and have a great day.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions as unfeasible. The CFPB 's 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 consumer safety.
Product: Checking or savings account

I am a victim of identity theft and I have never applied for or opened any checking or savings account with Wells Fargo Bank because I was XXXX from XX/XX/XXXX until XX/XX/XXXX. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Two fraudulent accounts from XXXX XXXX. Requesting TransUnion block these XXXX XXXX accounts, since I am a victim of identity theft. Thank you.
Product: Credit card

I have been getting charged fees on a so called XXXX percent 18 month promotion from Best Buy through Citi Bank credit card. No one every explained or notified me that even though there is no interest rate tied to the purchase that there is a service fee of almost {$25.00} per month for an unwanted debt protection plan. This adds up to an extra {$500.00} in fees in a 18 month period.
Product: Credit card

Apple Watch was stolen by my wife 's underage brother while he was taking care of me after having XXXX XXXX XXXXXXXX. He is a XXXX XXXX  and took advantage of me being passed out on pain meds over XXXX hrs. He proceed to run up to {$4000.00} plus in purchases and used my apple watch to verify the charges. The watch was then used to purchase fast food and other stuff. When I finally saw the charges on my apple card I notified Goldman Sachs and filed a police.report with the XXXX XXXX Police Department over the charges and the stolen watch. I sent all revelent documents from the police and the merchants over to Goldman Sachs Apple Card. The investigation into the gambling charges are still pending under review just under 60 days into the investigation while the lesser charges from Fastfood etc have been ruled in my favor and closed out. I am worried that Apple Card/Goldman Sachs is going to put the gambling charges on me since they are extremely high dollar amounts. Apple failed to provide me resolution docs that some purchases were found in my favor and closed and that other charges are still under review.
Product: Credit reporting, credit repair services, 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 U.S.C 1681 XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX - account # XXXX XXXX XXXX XXXX  - account # XXXX XXXX XXXX  XXXX - account # XXXX XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 section 2. it also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT UPON TRYING TO PURCHASE A HOME TO NOTICE A STUDENT LOAN ACCOUNT : USDOE/XXXX THAT REFLECTS MY CREDIT THAT I DID NOT OBTAIN NOR APPLY FOR. I CONTACTED ALL OF THE CREDIT BUREAUS ( XXXX, XXXX, TRANSUNION ) AND THE CREDITOR LISTED TO NOTIFY THEM OF THESE FRAUDULENT ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXXXXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I got a call from my bank American Express business checking due to suspected fraud. I was told someone had tried to use my card to purchase something from XXXX  in XXXX, and was asked if this was me. I said no as it wasnt me and I didnt recognize the transaction as I was in XXXX XXXX I was told by representative on the phone that they will decline the transaction. Still on the phone with the representative, upon checking my account, I noticed {$5600.00} had being wired to someone that same day and that wasnt me. I told the representative and he said ok its okay the will block the transaction and I should receive my money in 5 to 7 business days and no one can access my account except me on my phone. He said he will follow u with me next day. The next day XX/XX/XXXX, when I was on the call with a representative, I login to my account and notice {$3400.00} had been wired to that same person. I told the representative how come that happened again when I was told they cant get access to my account after speaking from the previous day. He/ she said she doesnt know. I was told to fill in an affidavit of fraudory at this time to continue with the case. The next day I called to ask for the form and who ever I spoke with said they didnt need me to do any affidavit of fraudulent. I was told they had all what they needed. Since XX/XX/XXXX I have been calling for update because I had not received my money and each time I was told they are still communicating with external bank ( XXXX XXXX  ) and dont know how long it will take. Today XX/XX/XXXX, I called my bank, and I was given the external bank number to call and request for a whole harmless form to be send to them to expedite the case. I called the external and they told me, my bank is the one to send them a whole harmless form. I called back my bank and told them about this, they had me on hold and when the representative came back, I was asked if I did a police report, I said I just recently did. The representative said the external bank sent them an email asking for it on the XX/XX/XXXX. So I asked the representative its XX/XX/XXXX and you guys didnt sent me an email or call saying that is what was requested and I should sent it. I asked if I am the one to call for an update before they are letting me know they were requesting a document from 3 days ago and I was told yes. The bank is supposed to send me an email or call me to send whatever is being requested but they dont do it and wait until I call insisting on an appropriate update on my case before they telling ooh the external bank asked for this 3 days ago! Its been like this with this case. Every time I call, its something else. Someone will say one thing today and the other another thing. Today the need affidavit of fraud form filled, tomorrow another person says no, like there is no communication at their office. Please help. I need my money!
Product: Debt collection

Some collection agency named Paragon Revenue just put two collection accounts on my credit report. One was for {$1400.00}, and the other one was for {$500.00}. Prior to these two collection accounts appearing on my credit report, I had never even heard of this collection agency, much less have any idea what these balances could be for. The Fair Debt Collection Practices Act requires that a collection agency gives me a 30 day notice to dispute, prior to reporting debts to the credit bureaus. However, that never happened in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/22, I sent a letter for an inaccurate account on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX
Product: Debt collection

I am filling a complaint against COLLBUREAU because they are attempting a that is I do not owe them. Account Name : COLLBUREAU, Account Number : XXXX. 
I would like for COLLBUREAU to show proof of verification that I owe them {$1500.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Product: Student loan

To Whom It May Concern : From XXXX XXXX XXXX  I had wage garnishment occur from Account Control Technology on behalf of XXXX/The US Department of Education for defaulted student loans. The amount they stated owed was {$6700.00}. During this time, they deducted {$6700.00}. Since I owed this money, I did not contest it, but the garnishment was a significant financial hardship at the time. 

I have the wage garnishment forms they sent to my employer and paystubs that show the garnishment occurred. However, the funds were never applied to the loans, and paperwork was never sent to me as requested, indicating I had paid the loan in full. My Federal Loans that equal the amount Account Control Technology deducted are still active on the US Department of Education website in the amount of {$6500.00}. The loans have since been moved to other companies. 

On XX/XX/2022, I called Account Control Technology and spoke to a representative named XXXX. XXXX acknowledged the collection but can not or ( will not ) send me proof the garnishment was applied to XXXX loans or that the US Department of Education was informed the debt was paid in full. 

XXXX states Account Control Technology can not provide anything in writing and are " just '' a third party that worked on behalf of XXXX, not the US Department of Education ; however, this is contrary to what they stated in the letter they sent to my employer. 

Account Control Technology is a third-party contractor for the US Department of Education . XXXX also stated the account was released back to XXXX once I completed the garnishment and the debt was paid. XXXX has no record of receiving this payment and applying it to any of the loans that were with them from XXXX. They have sold some of these loans to new companies. 

XXXX informed me she would forward my concerns to Account Control Technology 's accounting department, and someone would contact me within

7-10 business days.

Account Control Technology took ( {$6700.00} ) of my hard-earned wages and stated they can not or ( will not ) provide any insight as to where the money went. As of today, XX/XX/2022, I am still waiting to hear from their accounting department. 

Due to their mishandling of these funds, my legal counsel has informed me Account Control Technology violated several consumer laws. I am in the process of notifying the appropriate agencies to investigate and may pursue litigation. 

Addendum : On XX/XX/2022, when I attempted to follow up with Account Control Technology to receive a status update, the last number I called and on their website : XXXX, is now forwarding to a different company XXXX XXXX XXXX. Additionally, another number shown on their website as a contact number, XXXX, provides a recording for Account Control Technology but forwards to a different company XXXX XXXX. 

Please investigate and follow up with me. 

Your prompt handling of this matter is greatly appreciated. 

Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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. Their dispute and 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 acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Bank account or service

My identity was stolen on XX/XX/XXXX, and the bank was notified about the issue. On XX/XX/XXXX, my stolen ID was used to access my bank account information through a Chase Bank drive thru to deposit a fraudulent check and withdraw thousands of dollars out of my account at XXXX separate chase banks within 20-30 minutes apart with no action taken or alerts on my accounts. Subsequently, my account was withdrawn when the fraudulent checks bounced back and my account indefinitely frozen. Despite three police reports to include an auto break-in, identify theft, and a 3rd police report to share that my stolen ID was found by the police, I have yet to receive my FDIC insured money. It 's currently going into 32 business days. The bank investigator has not even reviewed my case due to an overwhelming volume of investigations. I would like to have an estimated time frame on when my assets will be unfrozen and my stolen funds returned.