23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I paid off my HELOC a/c with Bank of America on XXXX XXXX. Escrow paid in excess & now Bank owes me a Refund of {$450.00} ( XXXX XXXX & XXXX XXXX dollars ). As per pay off statement Principale & Intrest was paid upto the date & I had no Escrow a/c so there was no tax Liabilities on bank ... ... A request was made on XXXX XXXX to expediate the Refund but till today i, e, XXXX/XXXX/16 no check has been received. A follow up phone calls were made & they keep telling me it is under process & they can refund money upto within 30 Days. 
My question is when customer has everything clean on a/c why they have to keep customer money for 30 days? Is it legal to do that? Also if customer 's payment is late by a day the Bank charge a heavy late payment charges, then on what ground they can hold the customer 's money when whole process is computerised. By adopting this practice these Big Financial Institutions are using millions of dollars of customeers for free. What can be done about it. & where to complain about it, this is not fair to the public. Plz. kindley response Thanks ...
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX This is a cease to exist order. These accounts must be removed immediately being that they are fraudulent and inaccurate. 

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


I have hired a lawyer and fraud speciiast to now look at my reorts. I have frozen every report on all 3 credit bureaus. Im really taking a hold of my credit now being that I see the power. These accounts are fraudulent and were unauthorized in my name. PLease remove these asap. 


XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$520.00} XX/XX/XXXX XXXX XXXX XXXX {$1500.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account 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 furbish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy back in XXXX of XXXX and Experian took most of my accounts that were in good standing and marked them as potentially latemeaning the account had missed payments which they never did. Also they put accounts that wasnt included in my bankruptcy incorrectly on my credit report. I reached out to Experian and the representative told me I had 19 accounts with missed payments and that its showing potentially negative or missed payments which is also incorrect. Theyve also are refusing to remove the potentially negative remarks off my accounts stating that because it was put into a bankruptcy, they have to report it that way which is falsely reporting information when someone runs my credit and they also took all my accounts and put them over the credit limit which at the time before I filed my bankruptcy none of my accounts was over the the credit limit. They need to fix my credit report the way it was before I filed my bankruptcy and stop putting potentially negative on accounts that was never late because Im trying to get approved for a mortgage in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year my bank erroneously gave access to my accounts to an unknown party. I have activated fraud alerts and freezes at all 3 credit reporting agencies. Trying to have the fraud alert removed by Experian has become a trial of patience that they are winning. I have been hung up on, told to upload documents to a site that will not accept documents, have been in the endless loop of computer phone calls that end in a computer telling me they can't help me to being transferred to voicemail accounts. I finally talked to someone that said it will take 3 days for the removal - so much for getting electricity today .... 

These companies have such control over our lives and are adding more and more every day, like insurance - auto, homeowners and health now use your credit score for rate determination. I have spent 3 hours talking to numerous foreign countries today with zero results. Be wary about putting any alerts on your credit record.
Product: Money transfer, virtual currency, or money service

I am filling 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 process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ). These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$4600.00} ; XXXX XXXX XXXXXXXX Balance : {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentially under 15 U.S.C. 1681 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 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 XXXX 15 U.S.C. 1681 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 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 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, 15 U.S.C. 1681 602 A. States I have the right to privacy. 

15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instruction.

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, credit repair services, or other personal consumer reports

I noticed a pull XX/XX/23 on my XXXX report today. I called XXXX. After 39 minutes I hold, they said I need to call the company. I called Truist. They gave me a different number. I called the other number. They hung up on me after I asked them politely about the pull I did not authorize and obtaining a letter of deletion. I did not authorize this pull and need them to provide a letter of deletion to remove it from credit reporting. 

I also had an inquiry from XXXXXXXX XXXX  I did not authorize. I was unable to get in touch with them by phone.
Product: Credit reporting or other personal consumer reports

I noticed that there were multiple addresses recorded on XXXX, Experian, and XXXX. My correct address is the one indicated on the billing information I am sending you along with this complaint. There is also a misspelled name entry under XXXX. I tried sending them letters to request the removal of this incorrect information on my report, but apparently, they are still there as we speak. It has been causing me inconvenience whenever I apply for a bank loan or credit card because the creditors question me about these multiple addresses and employer information that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to alert you of a very serious and critical issue : the compromising of my Social Security number, which has resulted in a data breach and identity theft. To resolve this matter as soon as possible, I contacted the Federal Trade Commission and submitted an FTC Report, which is enclosed with this communication. 

According to 15 USC 1681c-2 ( c ) ( a ), as a credit reporting organization, you must immediately block and remove all information linked with this identity theft from my credit report. This Act requires credit reporting companies to respond to such requests within four business days after receiving a complaint that includes the following information. 

XXXX XXXX - XXXX : ** You have violated United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I never gave you any written consent to report anything on my consumer report. Under 15 U.S. Code 1681b, these accounts must be deleted immediately, or I will seek monetary damages in small claims court in my city and state. This letter has also been sent to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission. 

XXXX XXXX XXXX XXXX - XXXX : ** The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. According to compliance standards, these claims are currently unverified and can not be assumed valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX The Equifax data breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. According to compliance standards, these claims are currently unverified and can not be assumed valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

I am emphasizing the importance of the situation and my expectation of a swift and effective response. Failure to reply satisfactorily will force me to take legal action against your agency, as allowed by law. Please be advised that I shall seek damages, including but not limited to statutory fees, with each violation incurring a statutory cost of {$1000.00}, as provided in 15 U.S.C. XXXX.
Product: Bank account or service

I was charged a Monthly Maintenance Fee of {$12.00} for a statement cycle. They required me to maintain a minimum of {$1500.00} a day in the statement cycle for the month. When I contacted them, I was told that I was charged for a cycle from previous statement, and were reluctant to give me a refund
Product: Student loan

I took out a loan thru Navient formerly XXXX XXXX and I have tried relentlessly to ask them to adjust my payment so that I can afford it. This has happened over many years. There working with loan holders is non-existent. At first my payments were manageable They started at around XXXX and I paid that for a year or so. Than they want XXXX and so on and so on. I have tried working with them and they say well lets do a break down of what you can pay and we see you qualify for those payments and so we did that more than once and then they come back and say well we can not do that because you do n't have enough money to pay that payment. I know they need to get paid I have no problem in that. If I could have paid more I would have but I have other student loans. I have XXXX and I do not know how many times that they made me so mad and XXXX out that I would XXXX. XXXX can lead to XXXX. I gave the phone to my wife and I can remember many times that they made her cry and did n't care as long as they got there money. Now they threaten me with going into default. My credit was good and now I do not even care about it anymore. They want us to commit to a payment I can not afford and so I pay just enough to get by. If we lose the trailer I live in cause I pay them then they will eventually get nothing because I will not have a home to go to. They have also asked at times if I could have a family member pay my payment. I hate talking to them because they just want more and more. I would like nothing more than to have the payment at a XXXX a month. It has tripled and is on the way to quadrupling since I started paying them. Sincerely Yours, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally address my concerns regarding XXXX handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and tracking these transactions is unfeasible. The CFPBs 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: Credit card

I have had a {$2.00} outstanding balance on my Macy 's credit card for 2 months, which has been paid online twice. I '' ve never had a late payment and I certainly do n't want one over a {$2.00} balance. I have tried to call and email regarding the balance but I can not get a live person at XXXX or XXXX ( which says they are available 24/7 but I hung up after listening to 10 minutes of advertisements ). I then attempted to " close '' my account but again had to hang up after waiting on hold for 30 minutes. I also tried the " contact us '' option on their website and it just took me back to " make a payment '. So, I have XXXX issues, a payment that was made twice online and did n't register and the fact that their phone systems and website just take you in circles and you can not a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts or debt isn't mine it belongs to my children and they put it on my credit, another report is paid off but it was removed from one credit reporting company but not the other, another car debt the balance is wrong
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX VIA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX  ) XXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXX WY XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX WY XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate late payment information on my credit report for account number XXXX with XXXX. My records show all payments were made on time, yet the furnisher reported late payments to credit bureaus. This discrepancy appears on all three major credit reports ( XXXX, XXXX, and TransUnion ). Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1666b, this constitutes a billing error. I have contacted the furnisher directly to dispute the information but have not received a satisfactory resolution.
Product: Credit reporting or other personal consumer reports

i living man are victim of identity theft and fraudulent activity. i, have tried to deal with different Corporations concerning private property held in Trust. i, have no contract with those Corporations. i am [ con ] tacting you [ con ] cerning the above NAME and number in question. it has come to my attention that there is identity theft. ( 15 U.S.C. 615 ( g ) ; 15 U.S.C. 1681m ( g ) ). you are in violation of 18 U.S.C. 241 Conspiracy Against Rights and 18 U.S.C. 242 Deprivation of Rights Under Color of Law. there shall not be any more [ un ] authorized [ trans ] actions alleged to be in [ con ] nection to my property. ( 15 U.S. Code 1605 - Determination of finance charge ; ( UCC 3-403, unauthorized signature ; [ Cf. 673.4031Unauthorized signature. ].

i have not supplied proof under the [ doc ] trine of estoppel by silence, i presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists ( Engelhardt v. Gravens Supreme Court of Missouri, Division One Mar 12, 1926 No. 25192 ( Mo. Mar. 12, 1926 ) ).

you have [ act ] ually [ dam ] aged me, [ fin ] ancially, causing mental anguish, [ de ] privation of rights, [ dam ] aging my livelihood, [ dam ] aging my quality of life and [ dam ] aging my private household affairs, all caused by your [ mis ] leading reports and your trust failure in data breach of source data private property, your data breach involved my personal and private data which has a value and caused wrongful conduct of your organization that was in-trusted control of protecting the consumers private property source data. correction with payment settlement satisfaction of all Civil penalties violations with actual damages shall remedy this claim herein.

i am only able to discharge as fact per. [ Cf. PUBLIC LAW 73-10, HJR-192 of 1933 ]. Joint Resolution to Suspend the Gold Standard and Abrogate the Gold Clause. 1933 Act means the Securities Act of 1933, as amended. 1934 Act means the Securities Exchange Act of 1934, as amended. 1940 Act means the Investment Company Act of 1940, as amended.
Product: Debt collection

Received a letter in the mail today XXXX XXXX2021. It is from XXXX XXXX XXXX  and Midland Credit Management , Inc., in the amount of {$1000.00}. This was discharged quite a while again in a bankruptcy claim.
Product: Checking or savings account

I received {$2400.00} On XX/XX/year> into my new Sofi Bank Account and I transfer {$150.00} to another Sofi bank account after XXXX hours of receiving the {$2400.00}. I also transfer {$850.00} to another Sofi account after XXXX hours, the I notice someone got my debit card trying to remove {$100.00} XXXX times and {$75.00} ones. I try to decline the debit card transaction but I notice my account was restricted immediately. And I got debited {$270.00}, I called Sofi bank immediately and spoke to there customer care they told me it will be unrestricted in XXXX weeks after XXXX I called them again they told me to wait for another XXXX week. Since then I try all my best they keeps posting me