23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App 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 Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting PLEASE SEE ATTACHED
Product: Student loan

I have called multiple times and I was told I had two options for repayment. I could repay a year of interest which runs until XX/XX/XXXX which would be {$800.00} a month or pay the regular price of {$1200.00}. I chose to try and pay the interest payment in XX/XX/XXXX but will then increase in XX/XX/XXXX to {$1300.00}. 
I am a XXXX and a first year XXXX  at that. I barely make enough money to make ends meet. It takes one full paycheck to be able to pay that amount and there is no way I can pay the XXXX. 
I understand It is my responsibility to repay my loan I am not asking it to be forgiven I just need more manageable payments so I can life a normal life and be able to save. I am willing to up the money in the future when my salary increases but right now I can not afford this amount. 
it says on their website they are willing to work with you and I have not had this be an option. 
I have reached out to my governor, both senators and House of Representatives in some hopes of being pointed in the right direction and help with this issue. Who then directed me here
Product: Credit card

OK I had an account with Atlas and didnt understand the term of knowledge but I get paid for testing games and yes, I received a {$200.00} deposit today. It was pending and I was asking why they said that gaming sites and other gambling and online gaming is against a policy. They are known as XXXX XXXX, but they accepted a {$25.00} deposit from one of the games that I tested and it states on the transaction XXXX came then not only that they allow my card to make a purchase with poker club so XXXX not understanding what was the problem with my {$200.00} deposit then threaten me with a balance saying that if I dont pay it, it will result in bad reflection on my credit report when they did not give me a chance to even understand where they were coming from. I have documents of the conversation that took place with me and Atlas.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXXXX/XX/XXXX
Product: Checking or savings account

I had 27 checks stolen from back of my payroll checkbook, 9 pages of 3 checks each. @ 20 checks were cashed by 2 guys. To the tune of {$20000.00} total. These checks were all cashed at XXXXXXXX XXXX party store/ gas station, that one of the thieves used to work there, with his poorly forging girlfriend. I print all my checks with my unique full name, signature. I discovered this fraud on XX/XX/year> due to missing check numbers I noticed, when I got to the end and was going to add more checks to binder and the blank stubs that were left behind. I contacted bank immediately upon discovery. They acted like it was probably going to be resolved. I then made a police report in XXXX XXXX. Reached out formally and verbally to corporate Citizens bank to try to make me whole. The cashed checks were not authorized by me. One check had no date, another no signature. The forgery did not match my always used printing, nor matching my full name signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carmax Auto Finance has added a comment to my credit reports as well as my niece 's new account on her credit reports " Stating Customer affected by Natural Disaster '' This is false and misleading information to any other creditor as neither I nor my niece have asked for any type of deferment of payment or any assistance at all. Actually, on my account, I only have a small balance left and do not even have another payment due for 5 months as I am paid in advance. On my nieces brand new account her first payment is not even due until next month. It seems like Carmax has added this remark to their account holders which could negatively impact the consumer with other creditors.
Product: Credit reporting or other personal consumer reports

Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you DELETE all information that is deficient of any condition. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

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

A incorrect balance was showing on my XXXX XXXX account beginning with XXXX on my credit report. I submitted a request to have my information be updated and corrected. Instead of my information being updated, the trade line was remove completely. I did not make the request and there was on reason why this should have been done. I reached out to XXXX XXXX to have this issue resolved with Experian and Experian refuses to correct this issue. I've provided Experian with documentation from XXXX XXXX stating that the information should have never been removed. It has been over a year and Experian still will not return my trade line. This trade line has never had a negative item related to it. Experian refusing to return my XXXX XXXX account does not make any sense.
Product: Checking or savings account

On XX/XX/2021 I opened an account online with Suntrust Bank. The following month in XXXX my husband and I received our tax refund which was filed electronically using XXXX XXXX software to the Suntrust account. We attempted to purchase a vehicle on XX/XX/2021 within days of receiving our refund but we were not able to complete the purchase because Suntrust had frozen my account without my knowledge. I was unable to use my debit card or transfer any funds out of the account. I contacted Suntrust Customer Service and was advised there would be an investigation. I was also advised this could take several weeks and I would receive a letter when the investigation was complete. I noticed via text message a significant amount being removed from my account during this investigation period. I also called Suntrust to inquire about the suspicious activity which they showed no knowledge of. I was then advised by Suntrust to email their fraud department at the email XXXX.During this time we were XXXX having to live in hotels and relocating. My husband and I had to live separately in different cities for seven months until we could gather funds to move into our own place. WE had planned to start our own companies with these funds. After calling and waiting for months I contacted the IRS to explain the issue. The IRS issued a trace for the funds. We completed this process twice, I was informed by Suntrust this would be the final step to receive our funds back. I have talked to several representatives who have given me various excuses without a lot of information. The total of the funds being held is {$15000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate the claims. They informed me of recovering lost funds are impossible to track.
Product: Credit reporting

Equifax stated I had to mail them a request for a free annual report. I had no problem at all with XXXX or XXXX obtaining a free online report. 

This is simply an attempt to avoid providing a free annual report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a XXXX file on ne and I found a name tgat has never been mine and an address. 

I calleds XXXX  to correct these errors but no resolution.
Product: Mortgage

I have been on the covid-19 forbearacne for the last 18 months. Before 18 months, I applied to reinstate payments and was told my loan would go to underwriting. 

Over the 18 months I kept asking to speak with people knowledgeable about my options as opposed to the receptionists I kept speaking to. I was always told I couldn't. I also asked if modification is likely and they always told me yes as they didn't see issues as to why I would not qualify for a modification. 

Now, two months after filling out a loss mitigation application, I am being told ( 1 ) my modification was denied, ( 2 ) I need to fill out an application, which I already did and ( 3 ) were on the brink of foreclosure. 

Flagstar lied to me and mislead me for the previous 18 months as it relates to my mortgage forbearance. Had I known this was going to happen, I would have re-evaluated my options.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts Ive marked as inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

My wife - and I are in the process of looking for a new home. We found a home and our realtor - forwarded us the offer to be initialed and we did so. After the completion of the offer document later in the day on XX/XX/XXXX we received an email from our realtor 's XXXX email id asking for confirmation if we were ready for the deposit/ernest money for {$3000.00} as mentioned in the offer document we signed earlier in the day. 
We transferred the money at XXXX based on the reply we got from that email id since it had the bank details : -- -- -- -- - Routing instructions : Bank Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ABA Number : XXXX Account Name : XXXX XXXX of XXXX XXXX Account Number : XXXX -- -- -- -- - We tried calling the Bank of America right after we realized talking to the realtor on the phone but the bank department was closed by ( XXXX ) then and was advised to call the next day -XX/XX/XXXX in the morning at XXXX XXXX. I called up at XXXX XXXX next day but was told that the fund had already been transferred so am following up now about the money recall claim filed with the bank.
Product: Credit card or prepaid card

This is the third time we have had to report a problem with Synchrony Bank, regarding the XXXX XXXX credit card. The previous two complaints were originally submitted through the Wisconsin Department of Consumer Protection, and then forwarded here. Now that we have an established account here, I am submitting this complaint directly. 

The problem, in each case, is the same. We are being charged late fees AFTER we post on time payments. We have screen shots to prove this. In the first complaint, submitted here on XX/XX/2018, Synchrony accepted responsibility and refunded the late fees and restored the account to good standing. We made all subsequent payments, but were nevertheless assessed late fees, again after paying on time. ( Again, we have screen shots of the account which confirm this ). As the letter submitted by Synchrony Bank in response to the initial complaint confirms the account was restored to good standing, and as we made each of the next two payments on time ( easily confirmed through the due dates and the dates the checks were cashed by Synchrony ), there was no justifiable reason to assess late fees. Yet in XX/XX/XXXX, a {$35.00} late fee was again assessed, after a full payment of {$84.00} was processed before the due date. 

At this point, we resubmitted our complaint, because Synchrony Bank was simply non -responsive. ( It is a policy, apparently, of Synchrony Bank to conduct all conversations with customers over the phone, which does not allow for written records to be maintained by the customer. We insist on all correspondence with this company, given their track record of questionable practices, to be in writing. Because the company makes this almost impossible, we are struggling to communicate with them. ) The second complaint was met with less consideration, which may be seen via the written response posted here to that complaint, which we filed in XX/XX/XXXX. Since then, we have been unwilling to send additional payments, as they are NOT honored or processed fairly. This has led, inevitably, to additional late fees and threats from the company - in addition, because they will NOT communicate with us in writing ( email or regular mail ), we have reached an impasse. 

Our credit has been adversely affected by this situation, and we are now beyond frustrated. We will make the necessary payments to bring this account to good standing, but we expect a full refund of ALL late fees, as well as repair to our credit. 
We also demand that this account be closed. We will certainly NOT do business with Synchrony Bank, under any circumstances, again. 

We would also ask that a more comprehensive investigation into the late fee/payment policies of Synchrony Bank. It seems very apparent that we are not the only ones being victimized in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report to make sure everything was correct. When viewing all 3 reports from Transunion, XXXX, Transunion and they are all reporting differently. Listed below is all the categories that show differently amongst all XXXX bureaus. I sent a letter informing XXXX XXXX informing that the information that was presenting on credit reports is showing differenky on XX/XX/2023 and again XX/XX/2023. I would like for XXXX XXXX to make sure all information reporting is corrected. I have already sent a letter to the bureaus to either update the account to reflect correctly or delete per per TITLE 5. PROTECTION OF CONSUMERS OF FINANCIAL SERVICES CHAPTER 391. FURNISHING FALSE CREDIT INFORMATION Listed below are all the categories showing differently : Date opened Last verified account status payment status comments date last payment no. of months ( terms ) Payment frequency
Product: Debt collection

I had a closed account with XXXX XXXX XXXX because they would not let me make payments on the account and had completely locked me out of my account and would not tell me how much I owed, but they continued to give me credit line increases while I was locked out, then Midland credit management bought the closed account and they keep calling me from a spoof number threatening to take me to court and damage my credit score.they are harassing me and it is affecting my home and work life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXX Account 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
Product: Debt collection

No Debt Validation letter. This company has filed a collection on my credit report, yet I was never notified of this debt by Dynamic Recovery Solutions. I was never given a chance to dispute the debt or ask for validation. I had no idea they had a debt owed to them by me. They Haven't even told me what the debt was related to nor provided any documentation to me. I was never given a written notice, so I could formally dispute the debt. This business never provided me with any evidence that I have any legal obligation to pay them, yet they reported it to credit bureaus.
Product: Debt collection

I was involved in a accident which wasn't my fought. The Insurance company was responsibe for 100 % of the payment. I shouldnt have any dept on this particular account.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$100.00}
Product: Mortgage

I am currently in the process of purchasing a home and had my credit pulled. It came to my attention that Bank of America posted an erroneous Mortgage Account XXXX with Late Dates : XXXX, XXXX and states consumer disputes - reinvestigation in progress ; foreclosure ; 180 days or more past due. The account shows a zero balance and zero payment due however reflects late payments? This is direct violation of the FCRA ( fair credit reporting act ) and should be removed from XXXX, XXXX, and XXXX completely as it is completely false reporting. My Bank of America mortgage was closed in XXXX. I would also like a letter faxed to me at XXXX on Bank of America letterhead stating this was posted to the XXXX bureaus by mistake and this account is not late nor is it even an open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency XXXX XXXX for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to XXXX XXXX about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX  and also a different score with Experian and also on the website of XXXX XXXX I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is Experian resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification of the bill in the mail. I paid XXXX XXXX XXXX XXXX  XXXX XXXX  {$480.00} bill in full via credit card by mail. The charge cleared my account on XX/XX/XXXX. Subsequently I received a bill from a collection agency XXXX XXXX XXXX representing the XXXX XXXX XXXX XXXX XXXX XXXX  demanding payment in the same amount of {$480.00}. I paid this amount also via electronic check which cleared my account on XX/XX/XXXX. On XX/XX/XXXX I received an alert from Experian stating that my account had a negative remark. Upon review I see that there is an entry for XXXX  XXXX XXXX  {$480.00} in collections reporting as outstanding. I DISPUTED THIS ERROR ON XX/XX/XXXX with Experian. On XX/XX/XXXX Experian FINISHED the investigation and reported no change. This false entry has caused my credit score to plummet close to XXXX points. I reached out to the collection agency and was advised that they would look into the duplicate payment. They said that the entry would be removed however they have not. This one Account I paid twice is on my credit report twice negatively. Once as XXXX XXXX  XXXX XXXX. Same account shows up as XXXX XXXX XXXX XXXX. The collection agency. Both have been paid. Both reporting delinquent and negative for years now.
Product: Credit card

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX report shows three inquiries from Ally Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have NOT had an account with this bank since XX/XX/XXXX. I have not applied for any loans, for any accounts, NOTHING from this bank. They NEVER had any permission to check my credit for any reason.