23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My wife received a call today on her mobile phone ( XXXX ) today, XX/XX/XXXX at approximately XXXX XXXX EST from a company identifying themselves as XXXX, a " fraud arbitration '' firm operating supposedly out of XXXX PA. I tried to look them up online and found no information to verify. The person asked for me, XXXX XXXX. The caller who would not identify herself stated she was investigating a fraud complaint from a company called XXXX XXXX XXXX / XXXX XXXX related to a financial transaction in XX/XX/XXXX. She rattled off some of my former addresses from 12-15 years ago in Florida. When I told her I had no recollection of what she was referring to and asked her what amount she is claiming I owe she stated she was referring the matter to the XXXX County Court in FL for fraud charges and hung up. When I called the number back that showed up on caller ID ( XXXX ) the same lady answered the phone ( who had originally contacted me ) and claimed she " assumed we were finished ''. She asked for my current address which I did provide since I figured this was public information anyway. She said her office would be sending me a certified letter and stated I had 30 days to take action or I would be brought up on fraud charges and arrested. <P/>Prior to contacting the Florida AG office, I did some research and found out that Florida as well as many other states as well as the Federal Government ( Consumer Financial Protection Bureau ) had filed class action lawsuits and/or had taken other legal action against XXXX XXXX XXXX / XXXX XXXX ( the company the lady at XXXX claimed to be representing ) dating back to XX/XX/XXXX. My wife and I recently purchased a house in XXXX XXXX, FL in XX/XX/XXXX. Nothing showed up on my credit report for XXXX XXXX / XXXX XXXX and still does not. I am concerned I am getting scammed.
Product: Credit card

Some payments I made to my citibank credit card balance were not credited to my citibank account for over a week, even though they had been withdrawn from the XXXXXXXX XXXX checking account I used to make the payments, cleared, posted, and settled the same day. The payments totaled {$8500.00} and for a week I did not have access to my money because it had been taken by Citibank from my XXXX checking account, but not credited to my citibank credit card account. I was on vacation with my family at the time and made the payments so that I could use my citibank credit card to pay for vacation expenses. This created a significant hardship for me because I did not have access to my money while on vacation. 
The payments held were {$5000.00} on XXXX, {$1000.00} on XXXX, and {$2500.00} on XXXX. 
The {$5000.00} was finally credited to my account on XXXX. The other two payments have not yet been credited to my account. 
I contacted citibank via online chat twice on XX/XX/XXXX and XX/XX/XXXX and via phone twice on XX/XX/XXXX. The chat reps said the funds were being held for security purposes to ensure they cleared and that I had to call customer service to have them release the funds. NOTE that a {$5000.00} payment that I made a week before, from the same XXXX checking account had been immediately credited to my citibank card account without issue, and another {$2000.00} payment I made during the same week as the held payments was also credited immediately - so clearly there was no verification of my payment account needed. 
The first time I called customer service on XX/XX/XXXX, I waited over XXXX minutes to get a representative - they said they could not release the funds even though I explained that other payments had been credited successfully and that the payments had fully posted and settled from my XXXX Checking account. Then when I asked to speak to a supervisor, the citibank rep simply hung up on me. I called back again, and did eventually get to speak with a manager, who was completely rude and also refused to credit my money to my citibank account or to refund the money to my XXXX account. 
In summary - my complaint is that citibank was in full, cleared, and settled possession of {$8500.00} of my money but refused to give me access to that money by crediting it to my account.
Product: Debt collection

I am writing to dispute a repossession on my credit report, which resulted from contract fraud by the report. 
Enclosed are copies of documents supporting my claim, including the contract, communications with the dealership, and a police report detailing the fraud. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I request an immediate investigation and removal of this fraudulent repossession from my credit report. 

Please correct this information and provide written confirmation within 30 days. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

On Tuesday XX/XX/XXXX I logged into my online banking account, via the Chase Mobile App, and I was looking at someone else 's information. Everything from account number, to address, personal information, and account balances.

I escalated the problem to Chase and they blocked my online account access. I have been waiting for a follow up for more than 48hrs and still nothing. 
I called today on XX/XX/XXXX and after 1 hour of constant ping pong no one is able to tell me where my Online Banking account of 10yrs went. If my personal information was also made available to another person. This is a breach of personal information and the lack of communication in this matter is ridiculous. 
My concern is that my personal information can be used by someone else and what assurance does Chase have that I dont have or will use the other customers information that I had access too. 
The solution now is to create a new Online Banking profile. Sure, not a problem.
Product: Credit reporting or other personal consumer reports

This is my formal complaint to TRANSUNION. I am seeking the correction of inaccurate and fraudulent accounts in my credit reports to accurately reflect the correct information. I assert that the accounts in question were made on erroneous and unverified. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant accounts. The portrayal of inaccurate and fraudulent accounts in my credit report are deemed violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information. I have attached an FTC report with the report number XXXX to support this complaint.
Product: Mortgage

AmeriHome, the mortgage servicer for our home loan, has proven multiple times that they are incapable of making tax ( School , County and Property ) payments on time out of the escrow account subjecting us to out-of-pocket late fees and notices of delinquency. 
It is impossible to get a hold of a customer representative over the phone which leads us to feel helpless towards the situation and afraid of the legal repercussions due to their lack of professionalism. This is a stressful situation that has taken a toll in our lives. 
AmeriHome has made it abundantly clear that they do not have the consumers interest in mind which begs the question : If the sole purpose of a mortgage servicer is not met, should they be licensed to operate?
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and so on.
Product: Credit card

I ordered food from XXXX in XXXX the end of XX/XX/2023. They delivered a partial order, missing a sandwich. XXXX is useless because there is no one to speak to, only the app. 

Capital one gave credit for the missing item. Ubereats later rebilled THE ENTIRE amount in XXXX, which I again disputed. 

This continues to happen repeating itself for about 6 times. 

The disputes department in Cap One must work on " production '' because it's obvious within these chargebacks they don't pay attention to the details and have reversed the chargebacks on their own. 

The amount is almost XXXX XXXXXXXX ( it fluctuates because the purchase was made in XXXX ). 

I've spent numerous hours on the phone and emails to resolve a XXXX XXXX  problem, am I the fool or is this by design in the banking systems... ..run us around until we give up? 

Hopefully this can be resolved once and for all, I've cancelled my XXXX account and previously written to the CEO of Cap One, which I thought would would be the final resolution, I was wrong. 

Please help!
Product: Credit reporting or other personal consumer reports

I am filling a composting 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs 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 said accounts disputed ( XXXX XXXX XXXX )
Product: Vehicle loan or lease

I Financed a vehicle with Exeter Finance on XXXX and regularly made all my payments on time when I started overpaying my principles to pay off my car they started cheating me. they are not scheduling payments for me on time if make a payment they take all of the interest and if don't make a payment they will charge me interest for late payment i reached out to them multiple times but none of them gave me a good reason for it and they didn't solve my problem the only thing they all say is the need to collect the interest first. 

please see the attachment today is XX/XX/2024 it shows my payment due is XX/XX/XXXX but the scheduled amount is {$0.00} if I pay automatically it will go to interest if i don't pay next month they will charge me for not paying on time. 


looking forward to your help.
Product: Credit card or prepaid card

On XX/XX/2022, my Chime account was closed without any explanation. I have not been provided with any details or reason in regards to the closure of my account. 

I was previously a Chime member and had a Credit Builder Account which has negatively affected my credit score as a result of Chimes decision to close my account. Ive tried reaching out to Chime Customer Service over phone and email for more information, but to no avail. 

It is completely within the rights of Chime to end our banking relationship. Would I have appreciated the details of my infraction? Absolutely. 

Due to the unfortunate circumstance, I have been in contact with my attorney, and are currently looking into taking legal action against Chime.
Product: Checking or savings account

USAA is purposely charging me overdraft fees when i have money in my account. I would like for you to investigate this company because I believe that it is ripping off Veterans who have accounts with them. How is USAA legally able to charge me overdraft fees when my account has money in it. I'm attaching screen shots so you can see i am in the black and then bam, they charge me overdraft fees. Not only that but they are returning payments i'm making to the credit card companies I make payments to. Every time they do this i get charged XXXX by USAA as a NSF and then my credit card company charges me XXXX. This is very wrong!
Product: Mortgage

I 'm writing on behalf of my  XXXX  brother and his wife who is also  XXXX .   They took out a home equity loan  from TD Bank for {$55000.00} but somehow the bank rep managed to wire an additional $ 40k into their account. They never used the money and at some point the $ 40k was removed from their account, yet TD Bank is insisting and threatening foreclosure, saying their loan was for $ 95k when they only received and used the $ 55k. They were informed the rep was relieved of her position, but would n't release her name, yet still insist on the $ 95k. They have made numerous attempts and threats to foreclose. My   brother recently went into a TD branch and asked them for an extension. He was given a week to get caught up on payment ( by this coming Wednesda y ) or they would send a sheriff to evict them. I wired them the necessary money today but I do n't have the money to hire an attorney and get this mess straightened out. Two  older  XXXX  people with numerous health problems should not be consistently harassed and afraid of being thrown out of their home because of a  major error TD Bank made.
Product: Mortgage

On XXXX XXXX, I received my mortgage statement stating my mortgage payment was {$800.00} and {$690.00} was a payment of unapplied funds and {$100.00} remaining balance due XX/XX/XXXX I contacted 1st the Ombudsman department regarding this informing them with my new escrow statement my new payment starting XX/XX/XXXX for {$690.00}. 

I also informed that I completed my trial modification successfully early XX/XX/XXXX XXXX payments for XXXX, XXXX XXXX amount {$850.00}. 

My first trial payment was made XXXX XXXX for XXXX XXXX and 2nd trial payment made XXXX XXXX for XX/XX/XXXX trial payment and XXXX XXXX 3rd trial payment was made for XXXX XXXX final trial payment. 

I spoke with a SPS on a recorded line informed them my new payment according to the attached escrow statement would be {$690.00} She said I still had to sign the modification docs with the monthly payment of {$830.00} She assured me I would received the corrected amount after the modification documents were executed. 

I trusted the conversation. 

So in XX/XX/XXXX I paid {$690.00} as escrow new attached statement for XX/XX/XXXX payment. I was always a month ahead. Payments were only to be applied as payments no additional funds towards principal or escrow So my next payment should not be due until XXXX XXXX as of XXXX. 

Just trying to stay on track and not get behind again. 

I also inform XXXX in the Ombudsman Department that my 1st payment should have became due one month after my modification had been executed and one month in the rears. That never happen I was told my first payment starts XX/XX/XXXX would be do at that time. 

I am aware that and escrow analysis was completed XX/XX/XXXX and according to RESPA a Servicer completes once a year. And only if a borrower request should another be completed in that year. 

I don't want to feel like their is going to be retaliation against me since I am trying to stay on track and can not afford another increase and get behind again. I do appreciate all the help that's why I am a month ahead with my mortgage payment now.
Product: Checking or savings account

Charging monthly fees and over drafts fee that wasnt my fault because I balance and add my money up on a regular, they also will double charge which causes your account to be over drafted if funds not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed this problem on XX/XX/XXXX " I am writing to delete the following information in my file. The items I need deleted are listed in the report .I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report .I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$970.00} Account name : XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX XXXXXXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$1000.00} Account name : XXXX XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$310.00} Account name : XXXX PARTNERS Account Number : When account was open : XX/XX/XXXX Account Balance : {$300.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$720.00} Account name : XXXX XXXX Account Number : When account was open : XX/XX/XXXX Account Balance : {$54.00} Account name : XXXX XXXX XXXX XXXX  Account Number : When account was open : XX/XX/XXXX Account Balance : {$1300.00} Account name : XXXX Account number : When account was open : XX/XX/XXXX Account balance : {$3700.00} Hard Inquiries Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Account name : XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Incorrect Addresses reported to be deleted : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Incorrect names to be deleted please XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have a number of issues with the  XXXX  service. I have a limitation on my account that is preventing me from accessing my money. They do not have any right to siesure as they are not a government agency and are now operating outside of their scope of authority. I have attempted to rectify the limitation for many months now, and they are asking me for the same information previously submitted. They are using an unconstitutional user agreement that mandates that any civil complaints be addressed in the city they operate in regardless of legal operational jurisdiction. This hold is in violation of my  4th  amendment rights to prevent unlawful siesure of property and is tantamount to stealing. I believe this is being done as punishment for prior complaints, and I would like to officially request whistleblower status as I am being persecuted for reporting their unlawful activity. They have made claims that I had 6 months to dispute fraudulent charges, and have not honored that claim. I am being railroaded by this company, and the  XXXX   XXXX   XXXX  wo n't even return my request for a lawyer referral to get a civil action started against them. This is a perversion o f American Freedom of Trade, and they continue to use Unfair and Deceptive Acts and Practices in violation of Section 5 of the FTC trade laws and are violating the same in  my state of NC as well as the laws of their home state of CA. I ca n't seem to get my government to take action against this corporate tyranny, and they continue to operate with impunity. I need some agency that uses our tax money to enforce the laws as written.
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 process was unfair and deceptive, as they did not comply with error resolution requirem elts under the Electronic Fund Transfer Aci ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these transactions.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports