23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I recently made payment arrangements with Bridgecrest. I have a {$370.00} payment scheduled on XX/XX/XXXX and XX/XX/XXXX. The payments are scheduled to be automatically drafted on these dates. I spoke with a representative during the week of XX/XX/XXXX and they have no record or documentation of the call. However, the payments are still showing in their system. The car was repossessed on XX/XX/XXXX, exactly one day before the payment was scheduled to be withdrawn. I then called and spoke with representatives and they advised that I never spoke with anyone. But they do see my payments in the system. Why would they allow for the arrangements and the drafts if they had no intention of allowing me to prevent the car from being taken? Now, they want me to pay the total amount due in order to release the vehicle, even though I had already scheduled the payments.I made these arrangements in good faith, yet they still took the car. I had explained that I had been unemployed for approximately XXXX XXXX months, and I was trying to get the account caught up, since I have returned to work, but speaking with this company and making arrangements did not prevent further actions. I am now without transportation and unable to reason with anyone. They just provide the same scripted information about policy, but offer no attempt to resolve the error reasonably. I want to continue with my payments and be allowed to keep my car.
Product: Checking or savings account

I am filing a formal complaint against Capital One regarding deceptive practices related to their XXXX " XXXX XXXX XXXX '' savings accounts. Capital One misrepresented the XXXX Savings account as offering XXXX of the highest interest rates available in the nation. However, the company failed to notify account holders of the superior rates provided by the XXXX XXXX XXXX account, which I believe to be a deliberate act of obscurity and a lack of transparency. 

This failure to fully disclose available options has directly violated consumer trust and, in my case, resulted in significant financial losses. Capital One 's actions are not only misleading but also violate the Consumer Financial Protection Act and the Truth in Savings Act, both of which aim to ensure that financial institutions provide clear and accurate information to consumers. 

As a result of this practice, I am seeking redress for the misleading information presented to me and other account holders. I request compensation for the financial losses incurred as a result of Capital One 's failure to disclose the superior rates of the XXXX XXXX XXXX account. Additionally, I am requesting that Capital One rectify their practices to ensure full transparency for all future account holders, in compliance with federal regulations. 

I trust the Consumer Financial Protection Bureau will investigate this matter thoroughly and take appropriate action to hold Capital One accountable for their deceptive practices. I look forward to a prompt response and resolution of this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I made an online purchase, XXXX  all of the PayPal linkbut from the website to make payment. I never received product as I suspected fraud immediately. I tried to cancel through PayPal, but was unable to. I have reached out to PayPal numerous times and filed a report in case resolution. PayPal claims that it was a peer-to-peer transaction and stated that in am not eligible for a refund. Even though I tried to cancel immediately. I have provided all information to PayPal since it appears to be a fraudulent PayPal account. They continue to close the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been engaged in dispute with Wells Fargo Dealer Services, XXXX, and XXXX XXXX XXXX since XXXX. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.
Product: Credit card

I contacted AMEX and provided a copy of my orders and request SCRA benefits be applied to my XXXX AMEX account with a note notifying them I am located in a KP state. AMEX continued to charge interest and did not refund the interest amount and did not recognize me being in a KP state.
Product: Mortgage

My name is XXXX XXXX I had a home loan through Freedom Mortgage Corporation loan number XXXX for my home at XXXX XXXX XXXX  XXXX OH, XXXX. I sold that home on XXXX XX/XX/2024. After XXXX weeks of not receiving my Escrow check in the mail I called Freedom Mortgage on XXXX XX/XX/2024. I was told they mailed my check to my old address and if I wanted a check mailed to my new address I needed to wait 30 days from the date that check was sent for them to cancel that check and send a check to the correct address. I do not understand that policy as that would put them outside of the XXXX standard set by the Consumer Financial Protection Bureau. 

I called again on XX/XX/XXXX for an update, I was told the new check was not sent out but they will get it expedited as it had been over 30 days. That day I spoke with XXXX license number XXXX. 

On the XXXX of XXXX I still had no check. I once again called Freedom Mortgage for an update. This phone call I was told my check was resent on XX/XX/XXXX and it will take XXXX business days to arrive. Not counting the XXXX as a business day would have the check arriving on the XXXX. 

I am writing this on XXXX the XXXX because I still have not received that check. I called today and was told the person before me made an error and the check actually did not get sent until XX/XX/XXXX. Six business days from that date would have the check arriving at my house on the XXXX of XXXX, XXXX after I sold my home. This is unacceptable. I have waited 60 days, made multiple phone calls and the company when I should have had the check in 20 days.
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 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally dispute the reinstatement of fraudulent accounts on my credit report. These accounts were previously disputed and subsequently removed due to their fraudulent nature. Their reinsta tement without proper investigation and certification violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 5 ) ( B ) : Prohibition on Reinserting Previously Removed Information Under the FCRA, credit reporting agencies are prohibited from reinserting information previously deleted unless : The furnisher certifies the accuracy and completeness of the information. 
The credit bureau notifies the consumer within XXXX business days of the reinsertion. 
As of this writing, I have received no such certification or notification regarding the reinstatement of these accounts. 
Request for Immediate Action I request the following actions be taken within 5 days of receipt of this letter : Removal of the fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1400.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of [ specific item, e.g., bankruptcy ] on my credit reports with XXXX, Equifax, and XXXX, as reported under XXXX XXXX. XXXX. It has come to my attention that this information is being reported inaccurately and is in violation of the Fair Credit Reporting Act ( FCRA ) code 611 ( 15 U.S.C code 1681I ). 

As per FCRA code 611, any information that does not comply with the accuracy requirements must be promptly deleted from all credit bureau records. Therefore, I request that you investigate this matter and delete the inaccurate information from my credit reports with XXXX, Equifax, and XXXX. 

I kindly request that you review this dispute and work with XXXX, Equifax, and XXXX to delete the inaccurate information from my credit reports as soon as possible. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

the XXXX XXXX XXXX XXXX was placed in forbearance for 12 months with no payments and no interest. this was beginning XX/XX/XXXX until XX/XX/XXXX this was due to medical issues and my inability to pay the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting errors my financial institution and Zelle failed to do a thorough investigation on my claims. I was informed that recovering lost funds was impossible and tracking these transactions were impossible as well. CFPB findings informed that Zelle has not only neglected to protect consumers but has always repeatedly allowed offenders to exploit the system, leaving hardworking users vulnerable to scams.
Product: Credit card or prepaid card

On XX/XX/XXXX, I ordered from XXXX so I could receive some staples like paper towels and toilet paper. It cost XXXX. It was overpriced to start with but I at least expected to receive my items or a realistic update. 

I only received a couple of containers of toilet paper and nothing else. I look at my order online and it's back-ordered or they have run out of stock on all else I paid for already on XX/XX/XXXX. 

I have called several times for a refund to the merchant directly. They promised me a refund. However, they only issued a refund of XXXX. This is after about 5 calls including chats with Amazon Pay and messages to them plus calling the merchant. 

I am quite concerned that am not getting a straightforward answer about refunding all of my order that was not sent to me yet which would be about 200.00. No one seems to know what is going on and this is not okay even during the current circumstances. They have majorly taken advantage of me as a consumer.
Product: Credit card or prepaid card

I have NOT received an update for CFPB Complaint- XXXX. Bank of America has not contacted me and all of the fraud charges need to be credited ASAP. I have only received a partial credit. Please RESOLVE this ASAP!
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 proces 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 O have caused significant inconvenience and financial loss, and I seek appropriate redress for this information
Product: Debt collection

This debt with XXXX is from back in XXXX  and has not been active since. 

The debt is now with a collection company Portfolio Recovery Services and I do not owe them this debt. 

ALSO, the statute of limitations on Collecting a Debt in the state of Pennsylvania is only 4 years. 

Can you please look into the account history and have it removed ASAP as it is negatively impacting my score and according to the Fair Credit Reporting Act, this debt should no longer be negatively impacting my score. 

Thanks for your help in this urgent matter. 

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

i recently check my credit report and notice that my personal information was reporting inaccurate and on XX/XX/2021, i wrote all 3 CRAs ( XXXX, XXXX, AND EXPERIAN ) and requested that correct the information because it could lead to identity theft if left unattended. I have attached copies below for my record as well and it need to be updated as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # 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
Product: Checking or savings account

I opened a checking account with Chase Bank about XXXX or XXXX years ago. Within a few days of opening the account I had deposited a whole bunch of checks that I had saved until then. As most of my work at the time was as a counselor in a day camp, many of those checks were tips from various campers ' parents. It turns out that one of those checks had my name written wrongly for deposit ( e.g. instead of XXXX it was XXXX or vice versa ). Chase then froze my account without warning. When I inquired about resolving the issue, I was informed that the only way to do so would be to have the writer of the check call in to verify, which for me meant hunting down a random person from a city that I did not live in and bother them to call Chase for me. I asked if it were possible to just drop that check and unfreeze my account and was informed that since chase had frozen the account the only way to open it would be to resolve this issue. I tried to make that happen and was unsuccessful. I have made attempts a few times over the past years as well to no avail. It has now been nearly half a decade that chase has refused access to my money under the pretense that " my account is under investigation '', while not doing ANYTHING at all to try and fix the problem. I find it absurd that Chase Bank can withhold my entire savings account for more than XXXX years because of one {$40.00} check with a slightly wrong name, while not putting in any effort whatsoever to right the wrong. I have since moved to a new address and was unable to update the account info because my account was closed. I am therefor providing my previous address as the billing address while my actual address is provided elsewhere in this report.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to XXXX and XXXX XXXX Missouri XXXX Dear SANTANDER, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant identity fraud laws of XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that SANTANDER has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouri statutes also establish clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws in Missouri underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for SANTANDER to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that SANTANDER immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the relevant Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that SANTANDER will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

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

My identity and many cards was stolen from my vehicle and I believe this is the reason I have fraud accounts on my credit profile.
Product: Debt collection

I have a collection on my credit report from a collection agency called Professional Bureau of Collections who alledge they are collecting for XXXX. 

My account has an arbitration clause that my account with XXXX was handled through. This company is trying to collect on a debt that they DO NOT own. They are in direct violation of the FDCRA and what they are doing is illegal. My XXXX contract has a arbitration clause that clearly states that any disputes that arise are between them and I. Therefore a third party can not be involved. Professional Bureau of Collections does not own the debt and has no legal right to collect on it. XXXX assures me the company does not own this debt and to file a complaint.
Product: Debt collection

I've been trying to verify this debt that's on my credit from Credit Collection Services, however, they never gave me written notice about this debt. But they are reporting on my credit report without my consent, along with it being inaccurate and inconsistent across the 3 major credit bureaus. Upon sending this letter via certified mail on XX/XX/year>, I never got a response back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that XXXX and Transunion provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Transunion 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 XXXX and Transunion are 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. The account below should be corrected : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

XXXX XXXX from MAC says my name has been brought up in a legal case and if I dont pay I will be in jail within 48 hours. The name he is using is my madden name I have not had for 8 years! 

This person is calling lots of family that I associate with!
Product: Mortgage

I have been paying mortgage into escrow instead of a one time payment. In XXXX, I made a complaint to the CFPB re : issues with transfer of the escrow payments into mortgage. The issue was corrected manually through the XXXX office. In XXXX I called the mortgage department and had the customer service agent transfer funds manually from escrow to mortgage and they were able to do that. What they did not do was show the mortgage as paid in XXXX and XXXX. In XXXX I put in another sum into escrow and this time the agents are refusing to transfer the payments into mortgage. Instead they are saying that they would get into trouble etc. I do not have any information on how much of the loan is pending as the agents are not providing any information as to how much is in escrow.