23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting these past disputes that have been performed within the past 6 months time from XXXX to the CFPB to have them removed permanently from reporting to my consumer report. In lieu of the current lawsuit against XXXX the Consumer Financial Protection Board has due to their lack of mishandling of consumer disputes and inadequate investigations of consumer complaints and disputes were founded by the CFPB to be highly inadequate and severely violate the Fair credit reporting act. XXXX failed to investigate my complaint thoroughly and adequately, also accepted illogical or improbable responses from my creditors to reinserted inaccurate information back into my credit report and failed to provide a logical reason about why they were not removing these errors from my consumer report.
Product: Debt collection

Cash net usa is in Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10 landmark Minnesota case XXXX until they heard the evidence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MONEY FROM NOTHING. XXXXXXXX XXXX XXXX XXXX mean money was created by my signature '' XXXX XXXX XXXX is the creditor that extended my credit to cash net usa.
Product: Debt or credit management

i used lexington law from XX/XX/XXXX to XX/XX/XXXX they never provided the srvice they promised
Product: Debt collection

I am very disappointed with how this case has been handled, I 've done what I can and very unfortunate this illegal case was a violation made against The Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two cards with XXXX XXXX XXXX. One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, is a previous lender for a student loan I had. The account was bought out by another lender, XXXX or XXXX XXXX. Those accounts are current and are being repaid through Income Driven Repayments. I never defaulted on any student loans and this account is remaining on my credit with the comments discharge through bankruptcy with no payments missed. The issue is, it show as a negative impact to my credit history. Ive tried to resolve the matter on my own but of course, the account remains the same with no resolution. Im looking to make a purchase on a home within the next two years and Im looking to get help with removing negative accounts. Thank you in advance!
Product: Vehicle loan or lease

I have asked mid Atlantic them for the repo companys name and address and phone number. They told me they would not give me the info unless I paid my loan in full. And I want it. The repo company refused to give me their information as well and only gave a cell phone number. That I had to contact the lender to get the info.
Product: Checking or savings account

On or around XX/XX/23 I deposited a bank loan check via AFCU mobile app of {$8000.00}. The system informed me that funds would be available within 2 business days.I called the bank to see if XX/XX/23 was considered one of the 2 business days. I was then instructed that the available date had been revised to XX/XX/23, no longer XX/XX/23. 
I immediately requested the bank stop the transactions, so that I could either walk the check into the branch or try a check cashing facility. 
I was informed this was not possible, that they would not be returning anything or reversing the transaction and that I had to just wait until XX/XX/23, I called the bank manager multiples times and was informed the same thing, despite my bank account overdrawn and multiple checks bouncing. 
Per bank manager, XXXX, the account didn't have a history of such a sizable check so I immediately brought to his attention that a check for {$36000.00}, {$25000.00} and {$10000.00} plus multiple more had been deposited in this particular bank account. I was informed, " yeah but not recently ''. history is history I called the bank that the check was drawn on and was informed that AFCU could call the bank verification unit and verify the availability of funds.

I called AFCU XX/XX/23 and requested that they call the bank verification unit ( XXXX ) to verify funds and per customer svcs " this process was basically for CASHIER CHECKS because personal or business checks funds could be available on that date but by the time the checks hits the clearing house, funds may or maynot be depleted. '' Again I requested a reversal or the check and again was told, its way too late and I just had to allow the transactions run its course.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

My family, and our neighbors, have received repeated calls from a collection agency ( I think it is Pioneer Credit Recovery ) whose number they gave for call back is XXXX. However, the last number I received a call from is XXXX. Apparently they are trying to collect a student load debt from a gentleman in our neighborhood and have resorted to calling this man 's neighbors about the debt and asking us if we can get a message through to that owes the debt. They have even gotten the cell phone numbers for my family members including my XXXX year old daughter and XXXX of my sons. They called my son at XXXX Mountain time this week and he told then to contact me. They did contact me at XXXX and I proceeded to tell the woman that what she was doing is harassment and that the man 's neighbors have nothing to do with the man 's debt and no responsibility to help them collect that debt. Even more so, I think it is totally inappropriate for them to be letting the man 's neighbors know that he has uncollected debt! I asked the woman to take us off of her list and hopefully they will do so but wanted to alert you of these harassing practices. Thanks,
Product: Checking or savings account

BBVA Compass has failed to honor a Duly Executed and Notarized STATUTORY DURABLE GENERAL POWER OF ATTORNEY in the STATE OF TEXAS. Between XXXX XXXX & XXXX XXXX 2017, BBVA Compass has deflected, obscured, obfuscated, delayed, and been generally non-responsive when presented with the Duly Executed and Notarized STATUTORY DURABLE GENERAL POWER OF ATTORNEY in the STATE OF TEXAS. Whether through negligence or willful & malicious intent, BBVA Compass and their representatives, agents & /or assigns have failed their fiduciary responsibilities related to the account of XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX I opened a court order CD for my minor child, due to his injuries. The account was opened at XXXX XXXX. The court order reads : The blocked account or accounts belong to a minor. The minor was born XX/XX/XXXX. No withdrawals of principal or interest shall be made from this blocked account or accounts without a written order under this case name and number, signed by a judge, and bearing the seal of this court, until the minor attains the age of XXXX years. When the minor attains the age of XXXX years, the depository, WITHOUT further order of this court, is authorized and directed to pay by check or draft directly to the former minor, upon proper demand, all moneys including interest deposited under this order. The money on deposit is not subject to escheat. 
On XX/XX/XXXX, my son now XXXX and 1 day went to now holder of money Chase bank to withdraw his money and was denied, they stated to my son and I we still need a court order to withdrawal the funds. They have in their hands uploaded once again original court documents and are refusing to release funds. We are above frustrated with Chase bank. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that showed deleted but are still showing all my account that dont belong and this is XXXX also reporting on equfax that all of them need to be deleted and not showing on account.
Product: Credit reporting or other personal consumer reports

Filed for XXXX XXXX Bankruptcy in XXXX XXXX  was discharged in XXXX. 

Since that time, I have tried unsuccessfully multiple times, to fix incorrect reported information with Equifax. Equifax however, continues to show accounts open that were included in bankruptcy, continues to show late payments, continues to show incorrect dates of account opening/closing, and continues to show incorrect delinquent information for debts that were discharged in bankruptcy.

Equifax is in violation of 15 U.S. Code 1681c, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Federal Debt Collection Practices Act, and The Texas Debt Collection Act. 

Violations of these statues carry both civil and criminal penalties.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has a negative impact on my credit rating because of incorrect information reported to the credit bureau this charge for XXXX $ shows twice on my credit report for the same account negatively impacting my score with false information
Product: Mortgage

I 'm Disputing This " STATUS : XXXX -- -File -- -- Received -- -- XXXX -- ( AND ) STATUS : XXXX -- -File -- -- Received -- -- XXXX -- -- -NOT COMPLETED ... .BUY WELLSFARGO BANK-N/A.. 
Case number : XXXX -- -NOT COMPLETED BUY WELLSFARGO BANK ; N/A.. TODAY IS XXXX XXXX ; CF-GOV-CASE # XXXX, and Doccuments submitted in this case : File ; Duplicate 'NOTE- CF-GOV PEOPLE CALLING THIS A DUPILATE ...? 
adding mot information 's pertaining to the XXXX XXXX XXXX XXXX loan done in State of XXXX XXXX : Where the State of XXXX, and Wellsfargo is n't inforcing the Law 's of the U.S.C 's Homestead declaration on my property : ( XXXX XXXX XXXX XXXX, XXXX, XXXX / XXXX important ' notes '' XXXX, and XXXX as well XXXX US State XXXX XXXX the U.S.Constitution on Homestead declairation right on single family homes, and single person 's married or not. // [ In the community property states, the rights of the surviving spouse are less predictable. If thehomestead property is owned as joint tenancy with rights of survivorship or is community property, the surviving spouse retains an interest in the homestead property in his or her own right. InXXXX, XXXX and XXXX, single persons and married couples have the same exemption.XXXXIn such cases, the death of one spouse may have little effect on the protection afforded thesurvivor. When the homestead property is titled in the decedent 's name only, however, the surviving spouse will be left in the same condition as surviving spouses in common law states. Of the community property states, only XXXX squarely addresses this issue and passes the community property interest with the homestead exemption intact to the survivor free and clear of any liens ] [ XXXX ; the { U.S.C. ) Homestead $ 500,000.00USd exempted even on moblehomes, Manufactored homes.. '' they regisrered my home as a manufactered home with wellsfargo court order, changing the status from single family resident.. '' destoying tax records in XXXX XXXX XXXX ; and destroying my deed to my property../ now i understand wht the U.S Department of Hospitol had me file as well to inforce my utility bills were legal in my names as i have all ways lived single.. ; Wellsfargo Bank XXXX, XXXX XXXX XXXX 's XXXX XXXX is dead, XXXX XXXX XXXX that she is : where 's the death Certificate from XXXX Bank? on XXXX XXXX, XXXX people are stating this in that court order ; from what I know there 's life insurance coveing here det 's ; And I 'm the hier on the XXXX XXXX XXXX XXXX XXXX XXXX not those that ran with money. " on her life insurance policy., : XXXX ; XXXX XXXX '' I ask him if his name the XXXX time if it was XXXX, and the XXXX time he said it was XXXX, the ID caller says it 's XXXX? that 's suppose to be working for Wellsfargo bank N.A.?
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy : Bankruptcy ( Never filed, this is an error ) XXXX  XXXX  XXXX  ( Never had a repossession ) {$7700.00} XXXX  XXXX  XXXX  ( Never late on any of these loans ) Reported : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX  Reported : XX/XX/XXXX {$0.00} XXXX XXXX   XXXX  Reported : XX/XX/XXXX {$0.00} XXXX  XXXX  XXXX  Reported : XX/XX/XXXX {$0.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed or correctedimmediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
Product: Debt collection

There was a vehicle purchased  via Chase wher e I was listed as a co signer. After a few years the last payment that was to be made on the vehicle was returned ) ( I received this information from the Rep AFTER it was reported on my credit files  ). I  never received a phone call or a letter regarding the issue and the debt was just put on my credit report without me being notified whatsoever. I contacted Chase to let them know that I was unaware of the situation because no one reached out to me about the issue. The lady gave me a  XXXX   XXXX  address that was on file, which was n't my address nor have I ever lived there. I want this deleted from my credit report due to unfair collection practices and depriving me of resolving the issue before it got reported.       Thank you
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 the 15 USC 1681 Account name : XXXX  Account XXXX XXXX Amount : {$540.00} Account name : XXXX XXXX XXXX Account XXXX XXXX Amount : {$890.00} 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) out of sheer frustration and desperation due to their inadequate customer service and unfair practices, which directly violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account exposed and unprotected.

To make matters worse, their dispute resolution process has been both unfair and deceptive. They did not comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E, leaving me without the support and protections I am entitled to as a consumer.

These failures have placed an immense burden on me, causing significant financial loss and emotional distress. The lack of resolution and accountability has left me feeling helpless, and I am urgently seeking appropriate redress for these violations. I implore you to take this matter seriously and provide the assistance and resolution I desperately need.
Product: Money transfer, virtual currency, or money service

PayPal took my money under the false claim of damages caused by Acceptable Use Policy violations. In XX/XX/2021 they limited my account and instead of me being able to transfer my money after 180 days they just took it and transferred it to their own account. I had 4 accounts and from 2 accounts they took over $ XXXX. My account was 7 years old and never had any issues or violations before. From my other 2 accounts I was able to transfer the money to my bank. What's important is that all of these accounts were tied to 1 XXXX  account selling same items so if I was able to withdraw from 2 accounts why can't I from the other 2?
Product: Credit card or prepaid card

I purchased an item from XXXX XXXX and returned, XXXX was contacted for pickup, the merchant claims they never received the item from XXXX so I contacted Capitalone to dispute, I sent over the information as requested, they claim they never received, there is no way to send them an email, only fax which obviously they don't monitor, they closed my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violation of my consumer protection act po report sent to XXXX XXXX XXXX inaccurate information must be removed
Product: Mortgage

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX.

Bank of America called me on XX/XX/XXXX Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 148 days and counting And still I can not prove I own the home I live in
Product: Checking or savings account

I have two accounts with Td. They are both being closed. I have been a customer for 8 years. I asked corporate i I can send wires international. They said i can send as many as I want. 
I had recieved two wires in XXXX.. A {$3000.00}, {$1800.00} wire. They were put into my account before XXXX XXXX and taken out of my account. XXXX XXXX said they were handling it. My attorney called twice he never got a call back. They belong to XXXX and XXXX told me to have them call him. He does n't return their calls. He then intimadated me yesterday XXXX XXXX. He said to stop calling the branch managers and said have their banks call him in an aggressive tone of voice. Which they did. He does n't call them back or return their money. Professionally he should have reversed the money already. It 's been four weeks and both wires are missing and not returned. TD corporate said XXXX XXXX of XXXX XXXX has all the control. Good customer is not going on. I should not have to chase this guy.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( EQUIFAX AND XXXX  XXXX ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
Product: Student loan

I hold XXXX federal loans that are serviced through edFinancial services. The total amount of these loans came to {$15000.00}. 

On XX/XX/2023, I payed the full amount of these loans to edFinancial services. I used their auto-allocation option, which automatically allocates money to each loan depending on certain factors. This option allocated the money disproportionately, giving the XXXX highest interest rate loans a negative balance of $ XXXX and $ XXXX and not affecting the other XXXX loans significantly. Because of this, my account still shows a balance of {$9200.00} and interest continues to grow on it. 

On XX/XX/2023 I called edFinancial and the representative I spoke with told me that the funds could be reapplied in order to make the balance on my account {$0.00}, and that the interest would be rolled back to the date I paid and effectively removed. I have not been given any update from them and have seen no movement on my account since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

Walked into a branch of Garden State Community Bank in XXXX, NJ and requested information about opening a certificate of deposit. After the rep gave me the terms and yields, I requested to open a 3 month CD. At account opening, I gave the rep my licence, foreign passport, ITIN and a credit card as a secondary ID. The rep started asking me uncomfortable questions about my citizenship using degrading and inaccurate terms, then went on to say that, since I have an ITIN and I'm an XXXX XXXX, I can not open an interest-bearing account. I asked why I can't earn interest having an ITIN and all the IDs required for her to identify me and she replied that XXXX does not open interest-bearing accounts to XXXX XXXX