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

Santander bank has repeatedly placed extended holds on deposited checks when I've never deposited a bad check and I've been a customer for almost a year. I feel that this is a regular practice of theirs to hold customers funds longer than necessary in order to increase their earnings on interest.
Product: Money transfer, virtual currency, or money service

on XX/XX/19 I had sent a deposit of XXXX bitcoin to my cashapp account from a website called XXXX, a company that deals with legal Bitcoin Gambling. The transfer was successfully sent to cashapp, who then pended the deposit for review. On XX/XX/19 I contacted customer support about the deposit who said that my deposit would be available shortly. Later in the day, I found out my account had been cancelled and that I would no longer be able to use cashapp for violating their terms of service and that they would reverse my deposit. They did not reverse the deposit, and I have sent countless emails to their customer service and have not recieved a single email back regarding my deposit.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. Multiple accounts were forced closed due to these overdraft fees. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CREDIT MONITORING SERVICE ACCEPTS PAYMENTS BUT FAILS TO FURNISH SERVICES.
Product: Credit reporting or other personal consumer reports

This is my second time I'm disagreement with the account listed below with my credit report still appearing, even after your investigation. I would like item immediately- re-investigated. the inaccuracies are highly to my credit score. XXXX XXXX XXXX in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Sections 611, please provide the name and business addresses of each individual with whom you verified above so that I may follow up. Please send an updated copy of my credit report after your re-investigation.
Product: Checking or savings account

My account didn't have enough money to pay some bills ( this was by design given I have to move to assisted living and can't remember all of my bills ) however, BOA paid the bills despite me having a no overdraft rule and won't allow me to contest and return the charges.
Product: Credit card or prepaid card

When I learned about Capital One 's rewards program I signed up so I could earn cashback rewards on every purchase, as their advertising claims. I used the card for many months and accumulated plenty of cashback rewards which I planned to pay off the balance of a monthly bill if/when I needed it. 

Well since the corona virus my income has suffered dramatically, so when I went to pay off the balance of my monthly bill with cashback rewards, Capital One rep said that even though I pay off the balance I would still owe the minimum payment because the monthly statement had already closed. 

There's no logic in that and smells like a deceptive practice. I wish I knew that from the beginning.
Product: Debt collection

Debt Collection Law Firm in over 14 FDCPA and FCRA and CFPB violations. 

Have filed a frivolous lawsuit without answering and proving they are the holder in due course, have a signed contract with my name on it or have a contract to collect on behalf of Citibank, NA.
Product: Mortgage

I have only received the Chicago title binder XXXX I need a copy of the actual commitment to title that was filed with the County of XXXX and approved by XXXX XXXX XXXX XXXX  so they could issued my XXXX XXXX XXXX XXXX, N.J. XXXX mortgage. 
If the Chicago Title Insurance policy was recalled, cancelled, voided or otherwise discontinued please notify of the circumstances and date.
Product: Mortgage

In XXXX, I sold my home under threat of a prematurely filed foreclosure petition voluntarily. Nationstar inaccurately underreported the amount of interest they received, placed unearned foreclosure fees in a suspense account for the last 8 years causing negative credit reporting that caused premature deletion of their tradeline. It was disclosed to me in XX/XX/XXXX that what I didn't know was that Nationstar allocated {$11000.00} for late fees at {$56.00} a piece while reporting in detail reports to me they allocated {$2800.00} to which has caused me to be ineligible for applying for a residential loan for 8 years. See lines XXXX XX/XX/XXXX, in an internal file of the account, and then XX/XX/XXXX Nationstar 's lawyer claimed it was updated in a letter attached dated XX/XX/XXXX. This counsel caused Natiosntar to involve me in two agreements waiving my rights before the lawyer disclosed lines 81-86 were never actually updated dated XX/XX/XXXX and XX/XX/XXXX, denying any error in payment allocation in the face of clear inaccurate payment allocation in lines 81-86.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit from experian.com and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I attached my social security number, drivers license and FTC report below.
Product: Debt collection

My information/identity was used without permission or knowledge. I am filing this complaint to help get these things removed from my credit, to help rebuild my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day! I am writing concerning my experience with Discover that is both a grateful thank-you and a pressing request concerning a trade-line in my credit files that I would like to have revised. I received my Discover Card in early 2021 and took pride in the fact that all my payments were routinely made in a timely manner. Unfortunately, since then my life took an unfortunate turn. I lost my uncle, aunt, and brother to the horrid XXXXXXXX XXXX. This led me to fall into debt, and having to sell nearly everything of value that I owned. I was left in a very unfavorable position financially. Not only do I take care of my mom and younger brother, but I have had to make many sacrifices over the last two years in attempts to create a better financial situation ; I was forced to forfeit my school tuition because it was no longer within my abilities to afford. Concessions had to be made and regretfully, this led to late payments on my Discover secured credit card. The loss of income was a brutal wake-up call for me, and I now am attempting to make steady efforts step by step to hopefully avoid bankruptcy. I have gained two sources of income, as well as financial management skills to assure that I will never be late on a payment again. I am hoping to soon begin the process of purchasing my first vehicle, and it has come to my attention that the late notations from Discover may prevent me from taking full advantage of the best rate available. I am requesting that you grant me a second chance at a positive credit rating by allowing me to be relieved of all late notices under financial hardship ; and hopefully we can work out a payment plan to finish the remainder of the balance on the account. I sincerely hope that there is redemption at Discover, as I hope to remain a card member, I plead for such consideration. If any additional documentation would assist in reaching a positive outcome, please feel free to contact me. I thank you for the time you have spent reading this correspondence. Very hopefully yours, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX
Product: Credit card or prepaid card

Received a letter dated XX/XX/19 with case number XXXX for a billing dispute of {$73.00}, dated XXXX/XXXX/19 with merchant XXXX. Specifically, the letter advised to call XXXX by XX/XX/19 due to needing some missing information. Be advised, that I called this number on XX/XX/19 at XXXX XXXX, EST time and was on the phone for 7 minutes, until I hung up. Since, overseas agents are used to answer calls, the agent wasn't competent enough to locate the case number. However, Capital One has been provided with the specifics pertaining to this dispute, someone unknown to me, accessed my online account at XXXX and impersonated me. The merchant has already shut down my online account out of an abundance of caution.
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 numerous 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 was 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 credit card accounts with American Express due to me being incarcerated. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX Experian Dispute Department XXXX XXXX XXXX, TX XXXX Subject : Notice of Intent to File Lawsuit for Continued Reporting of Fraudulent XXXXXXXX XXXX Account Dear Experian Dispute Department, This letter serves as formal notice of my intent to file a lawsuit against Experian for willful and negligent violations of the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ] due to your continued reporting of a fraudulent XXXXXXXX XXXX credit card account on my credit file. Despite submitting a Federal Trade Commission ( FTC ) Identity Theft Report, a police report, and multiple dispute requests, you have failed to remove this fraudulent account, causing significant financial and reputational harm. 
Details of the Fraudulent Account : * Creditor Name : XXXXXXXX XXXX  * Account Number XXXX * Date Opened : XX/XX/XXXX I have provided sufficient documentation under FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires consumer reporting agencies to block fraudulent accounts when a consumer provides an identity theft report. You have failed to comply with this obligation and have instead continued to report inaccurate and damaging information.

Due to your willful noncompliance, I am prepared to file a lawsuit against Experian in California Federal Court for the following violations : 1. Failure to block fraudulent information as required by FCRA 605B.

2. Failure to conduct a reasonable reinvestigation as required by FCRA 611.

3. Continuing to report inaccurate information in violation of FCRA 623.

I demand that Experian : 1. Immediately and permanently remove the fraudulent XXXX XXXX account from my credit report. 
2. Provide written confirmation that this account has been deleted from my file.

3. Cease and desist from any further reporting of this fraudulent account to lenders, creditors, or other third parties.

If I do not receive written confirmation of full compliance within 15 days, I will proceed with legal action seeking statutory damages, actual damages, punitive damages, and attorneys fees as permitted under FCRA 616 and 617. Additionally, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office regarding Experians continued failure to comply with federal law. 
This is your final opportunity to resolve this matter before legal action is taken. Please respond in writing to confirm compliance by XX/XX/XXXX Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I opened my account on or about XX/XX/year> under a promotion to deposit $ XXXX by day 31 and hold until day 90. I met the promotional terms and am owed {$200.00}. It is past due and the bank has done nothing to assist me.
Product: Credit reporting or other personal consumer reports

XXXX has falsely reported XXXX on-time payments as late. 
In XX/XX/XXXX the account was part of a XXXX forbearance loan modification that required 3 trial payments, and upon the successful completion of the trial payments my account would leave forbearance. They marked the final month as 30 days late even though it was paid on-time without issue. Again in XX/XX/XXXX they did the same thing. They contacted me about a loan modification to change the amount I owe and the interest and term length of the account. This again required three trial payments, and on the second trial payment they falsely, again, marked my account as late. This is in spite of the payment portal saying my next payment was moved due to the trial program. Their computer falsely reports payments as late while not asking you to make payments. This is fraud, and borderline criminal extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting late payments on an old mortgage account. I was never late. I have submitted multiple disputes to all 3 credit bureaus. XXXX mortgage closed my account on XX/XX/XXXX. Equifax is reporting late payments on XX/XX/XXXX and XX/XX/XXXX. That is impossible. XXXX  and XXXX  are also reporting false late payments. When disputing with all 3 bureaus, the results come back as verified. When contacting XXXX they said the account was closed so they could not verify the late payments. These payments should be deleted off of all 3 credit reports because these late payments can not be verified.
Product: Debt collection

This dispute is not being submitted by a third party. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the : Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud Within 4 business days of you receiving this complaint. I am XXXX XXXX, a natural person and this is me physically submitting this dispute. 

I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate Under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. 
A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 


Also, under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete them from my credit report immediately or I will seek monetary damages : XXXX. XXXX XXXX XXXX Account XXXX : XXXX Balance : {$3900.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Balance : {$2200.00}
Product: Payday loan, title loan, or personal loan

I figured I fixed the problem, I got this loan in 2014, and Im getting text message from a attorney XXXX XXXX stating that if I dont pay this loan back I will be arrested or go to court if I didnt pay {$1300.00} or go to court and pay {$17000.00}. But here is catch I can pay them an settlement of {$890.00}, now this text message I received was XX/XX/2018 at XXXX. I have to contact this lawyer at this number ( XXXX ) XXXX, but the text message came from ( XXXX ) XXXX. Thank you
Product: Mortgage

Complaint to cfpb : Homeowner is facing EVICTION from her home of 42 years. Defendant lost the Foreclosure Mediation action, filed in XXXX County NJ Sup. Ct. How she lost the foreclosure case ( through participation in the NJ Mediation Program is a mystery! Defendant is a XXXX year old, single, XXXX woman who is retired, with no income, no employment and no asset. She is a victim of the predatory lending tactics of CHASE Bank XXXX XXXX XXXX XXXX XXXX XXXX. These banks made inappropriate loans to Defendant knowing she could not repay them. Without regard to whether this struggling homeowner could repay the loans or not, CHASE and XXXX XXXX issued a total of 4 loans to her, including 3 HELOCs. These predatory lenders now seek to benefit through foreclosing on this homeowner. The " banksters '' were clearly at fault, knowing their loans were unconscionable and not fair to Defendant. I an waiting with bated breath for the arrival of uniformed Sheriff Office personnel at my foor, with foreclosure sins. I have nowhere to go. While I am on long waiting lists at several Senior Housing Projects, nothing is currently available. ( I was rejected for residency by one local HUD-subsidized Senior Housing Development because I had to file in Bankruptcy in connection with the Foreclosure case. ( The Bankruptcy case has been dismissed, but the mere fact that a Bankruptcy petition has been filed within 5 (? ) years may continue to bar my applications to other subsidized housing.
The prospect of homelessness is especially painful to me because the total amounts the lenders claim are due, were never received by me. I have received no cash, only on paper. The lenders financial documents are confusing. Accounting entries are intentionally erroneous ; obvious instances of 'robo '' signing/forgery even appear in some recorded documents. CHASE 's loan Summary Statement, e.g. is deliberately fraudulent and has been reconstructed and revamped. CHASE blocked advances from its account in XX/XX/XXXX. The XXXX XXXX account includes flagrant overcharges, expensive forced insurance costs and unwarranted fees. The combined indebtedness from the predator banks totals more than {$350000.00}, thus preventing my sale of the Property and leaving no relocation funds for me. I would appreciate the CFPB 's assistance in helping me to delay the public auction of my house/investigate/confirm the actual amounts due/and if possible, save my home Sincerely, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account 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 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 XX/XX/XXXX
Product: Mortgage

JP Morgan Chase instructed their servicer XXXX to deny the short sale after XXXX verbally informed me that because the offer recieved was so much higher than their BPO, we would not have a problem getting the short sale approved. When we asked XXXX why the short sale was approved, we were told that the reason is because the homeowner had only been 1 month late. This was after we submitted the homeowner 's financial documentation showing that due the the homeowners medical situation ( recovering from XXXX ) he would be unable to make the mortgage payments to the first & second lender on top of a $ XXXX a month HOA payment. When we asked XXXX if things would be different should the homeowner be significantly delinquent, I was told yes. Now, XXXX has once again forced the homeowner to apply for a DIL after we were told he wouldnt qualify. In the meantime, the homeowner has become aware that in the state of California, if he does do a XXXX, he will owe taxes on the deficiency whereas if he does a short sale he will not. In addition, a DIL will show up as a foreclosure on his credit and he could be facing taxation from the IRS and XXXX.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
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/year>
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$5300.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing 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 and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations
Product: Debt collection

This company Midwest Recovery has violated FDCPA policy, they reported a collection to my credit report with out contacting me about this debt, they did not give me the Rights to fight! when I ask to send me the documents they could not provide the right address..now I have a collection for a fraudulent account,
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to request Security Freeze on XXXX web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with Transunion was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable