23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had written out for {$600.00} ( Check # XXXX ) on the evening of XXXX/XXXX/XXXX. Any checks I write never usually post until either the next day two days later. For some reason, the aforementioned check deposited that evening. 
I specifically wrote the check then because I knew I was going to be paid XXXX XXXX/XXXX/XXXX, approximately 4-6 hours prior to the check being deposited in the amount of {$3000.00} ( PPD ID : XXXX ). Within this time frame, chase debited my account for 2 charges resulting in a {$70.00} overdraft payment. 
Due to the unethical nature of these overdraft fees, I request a full refund of the {$70.00} to my account. Please do not respond with " you have exceeded your overdraft fee refunds for the year '' as this is clearly an extenuating circumstance due to a computing anomaly on the banks part. 
I do n't believe that it is my problem that Chase found a way to take my money and delay putting other monies in. I also believe that it is unconscionable to assume that a consumer would benefit from a 4-6 hour loan at an interest rate of a few hundred percent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two fraudulent inquiries on my credit report. one is from XXXX XXXX  XX/XX/XXXX and the other is from XXXX XXXX XXXX XX/XX/XXXX. I have not personally done business or given any permission for these companies to pull my credit. These inquiries need to be deleted from my report immediately or I will be pursuing legal action with my team. Ive already disputed and Equifax did not do any investigation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the negligent noncompliance of XXXX XXXX ] with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, which addresses civil liability for negligent failure to comply with the requirements of the Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX XXXX XXXX ; including any additional variations or appelation and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation, whoever that may be, and I depose the following facts, so be it, now present : Fact, in accordance to FCRA 15 USC 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1681c. ( a ) ( 5 ) Section, 15 U.S.C. 1681s-2 ( A ) ( 1 ) is intended to secure my right to privacy and my privacy has been breached.

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Complaint Regarding Collection Agencies Failing to Provide Written Notice of Debt and Dispute Rights Dear CFPB, I am filing a formal complaint against National Credit Adjusters for failing to provide me with the legally required written notice informing me of my right to dispute a debt, in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

According to the FDCPA, debt collectors must provide written notice of the debt within five days of their initial communication, including details on how to dispute the debt. However, I have received collection attempts from National Credit Adjusters, regarding XXXX XXXX {$1400.00} but they have not sent me any written validation notice outlining my rights. 

I have repeatedly requested verification of these debts, yet they continue to be reported on my credit report without proper validation. Since these collection agencies have failed to comply with federal regulations, I am requesting that these accounts be removed from my credit reports with XXXX, XXXX and XXXX. 

I request that the CFPB investigate this matter and take appropriate action against these agencies for failing to uphold their legal obligations.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing issues I've encountered with the inaccurate reporting of inquiries by the three major credit bureausXXXX XXXX, and TransUnion. These inaccuracies not only misrepresent my personal data but also have the potential to negatively impact my credit standing and financial reputation. 
Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I communicated w/this collection agency via general company email and to specific agent in the company by cease and desist letter on XX/XX/2019. This is an alleged billing from a former apartment complex and is not a legitimate indebtedness.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX CHILD SU XXXX Balance : {$6200.00} XXXX CHILD SU XXXX Balance : {$5700.00}.
Product: Credit reporting or other personal consumer reports

I keep sending XXXX a block request for fraud accounts and they keep saying they have not received my documents. one representative tells me they have while another says they have not received them. and then i can not get access to my online account. I found out from the IRS that someone stole my identity to file false tax returns from XXXX
Product: Checking or savings account

The following points will be in the order in which they happened : XX/XX/XXXX Phone was stolen late that night XX/XX/XXXX I realized that phone had been stolen immediately called Cash App, XXXX and our local police dept. 
XX/XX/XXXX spoke to XXXX advised of charges : {$500.00} to a XXXX XXXX, {$170.00} to a XXXX XXXX and {$100.00} to XXXX XXXX there was a charge to XXXX  in the amount of XXXX but it was denied. 
XXXX responded with " based on our review {$100.00} was still pending and i had to wait for it to be completed. She then stated that I had to reach out to support and deactivate my card. Once that was done I could dispute the transactions once they were complete. 
They had me answer some questions, change my pin and wait 10-14 days until an agent would be contacting me. I was then advised that it may take 45 calendar days to review and resolve claim. Then I was told that my claim had been escalated and my reference number is XXXX. 
XX/XX/XXXX I requested update. Was transferred to a specialty team who will provide documents on which their claim was based. 
XX/XX/XXXX requesting update for reference XXXX, I the then had to give them the transactions i was talking about. 
XXXX until present day i have been doing this. i have sent the police report as well as the XXXX receipt to them 7 times. I am continually denied and told that i authorized the transactions.
Product: Credit card

XXXX XXXX, 2015, I made a {$25.00} donation to my XXXX support group using my Bank of America XXXX. I never received the bill and, admittedly, I forgot about it until XXXX my other credit cards was canceled because of the outstanding delinquency on XXXX XXXX, 2015 ( FIA Card Services ). When I bought my credit report from XXXX on XXXX XXXX, 2015, I found out about the unpaid bill and promptly contacted Bank of America by phone ( to find out the total outstanding charges, including finance charges and/or late fees ), and paid the bill online that same day ( payment cleared the bank XXXX XXXX, 2015 ). I also requested Bank of America send me a copy of the outstanding bill, which they did. When I received the copy a week later, it said the amount due was {$28.00} ( the amount of the payment I made ) ; the due date was XXXX XXXX, 2015. When I received an updated copy of my credit report from XXXX ( dated XXXX XXXX, 2015 ), I was stunned to see that, although my Bank of America account was now showing the status as " current, '' there was another outstanding bill for {$1.00}. For the second time, I had to call and request a copy of the bill by phone. I paid it XXXX XXXX, 2015 ( the due date on the bill is XXXX XXXX, 2015 ), but I 'm disputing the additional charges ( listed on the bill as " minimum interest charges '' ). I 'm also disturbed that I received no bills in the last 6 months, except when I phoned them to request duplicates. What 's wrong with this picture ...?
Product: Credit reporting or other personal consumer reports

The Mohela student loan accounts I have are being reported XXXX on my credit report. Because there are duplicate accounts on my credit report my total student loan debt on my credit report is higher than my actual total student loan debt shown in my Mohela portal. And, this lowers my credit score and hurts my debt to income ratio.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inability to assist me. There has only been an option of artificial intelligence to assist within customer service. Ive had multiple issues with Cash App from discrepancies to fraud, and there was absolutely no one to contact. With their inadequate customer service and unfair practices which directly violates the Consumer Financial Protection Act ( CFPA ). Cash App has failed to take timely measures and actions to eliminate this problem. Which left and still leaves my account vulnerable and accessible to fraud. In addition, their dispute resolution price was unfair and deceptive. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a significant inconvenience and financial loss. I am seeking appropriate compensation for the burdens that I have faced for these violations.
Product: Mortgage

Cardinal financial started the process of a recast. We wired them XXXX for a recast on XX/XX/year>. We wired the requested additional {$300.00} for the recast fee. In the meantime, XXXX XXXX took over servicing our loan. The recast was never processed. The XXXX and XXXX was never refunded. The recast never went through. the loan amount due never changed. They kept the money that was supposed to go towards the recast.
Product: Bank account or service

I applied for and received a mortgage in XXXX from BB & T. At the time they asked if I would like a free checking account. I decided I could make use of a different bank having an account, so I accepted the free checking account. I paid the mortgage faithfully. I sold my home in XXXX XXXX and paid off the mortgage. I did not close the checking account. I rented a new place, I found a new home, I moved my furniture, I remodeled and redecorated. This is to explain why I did not sit down and read my monthly statements from an account that never had any transactions from me in 5 months. Finally I looked at the account statements from BB & T ( who had never charged anything for an account with XXXX dollars in it ) to find out they were now charging me $ XXXX!!! maintenance on an account I wrote XXXX checks per year out of. 
Agast, I went to my local branch and they credited me back on 3 of the 5 months worth of unannounced maintenance fees. I feel this is intentional fraud. They know someone is in transition when they sell a home and pay off a mortgage. They realize they are not likely to remember the fine print in the mortgage they signed 4 years earlier. This fine print in the mortgage was the explanation I was given when I went to the local branch. 
They said someone would call and talk to me about the other 2 months worth of fees {$60.00}. 
But no one even attempted to call me or refund the ill gotten gains.
Product: Checking or savings account

American Express closed my checking account and stated it was due to an incorrect address, the address was input by customer service who misspelled my street name and I was not notified in advance of this action. 
Additionally, The previous complaint that I filed was closed based on the fallacious answer via letter from Amex in which they state that I made a late payment directly contradicting the outcome of the directly previous complaint that I'd made about them stating that I had not paid when I had and was NOT late in this complaint their resolution was to REPAY ERRONEOUS LATE FEES. 
They follow up with an iteration that they follow the REMA laws, when in fact they do not. Audits are NOT randomized and a customer service worker explained that it was " something in my credit report '' that caused the audit. 
I have searched all credit agencies AND XXXX and have NOT found any information that would justify an audit. 
I provided more information to them upon request than I provided to acquire the account XXXX years ago. 
They ignore it claiming that I needed to show them wages and investments etc. 
I generate several streams of income none of which I have to justify and since there was no valid catalyst for this audit, I continue to posit that this is discriminatory/ retaliatory and unlawful under several rema laws which I will cite here : the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 16911691f, and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) 2 The Federal Financial Institutions Examination Council ( FFIEC ) Interagency Fair Lending Examination Procedures ; page 29.

3 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.

4 12 CFR 345.41 ( a ).

5 12 CFR 345.41 ( c ) ( 2 ).

6 The FFIEC Interagency Fair Lending Examination Procedures ; page 32.

Please do not close this complaint until you receive an actual answer as to the lawful cause for the audit and the adverse actions other than a simple " denial '' any criminal simply can deny any action, this does not make the statement valid. 
My credit rating fell from XXXX to XXXX through no action of my own and I don't want to receive another generic boilerplate letter intended to make me seem at fault when simple forensic investigation PROVES otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send out 2 letters asking for Accuracy of account!!!! Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) (  A ) ( a consumer contract with my signature on it ) but never receive any information verifying this account belongs to me, but company still refuse to comply with Fair Credit Report Act. by continuously reporting this account to my credit report. 

LETTER SEND OUT TWICE NO ORIGINAL CONTRACT WITH SIGNATURE RECEIVE YET ALL ACCOUNT LISTED BELOW According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you  are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


I demand the following accounts be verified or removed immediately. 

Name of Account Account Number XXXX XXXX # XXXX XXXX / XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive submitted certified disputes regarding unauthorized account investigations including supporting documents including the cfpb complaints and FTC Report accounts still reporting requested for deletion of account now monetary request for violations and illegal reporting and misleading XXXX  disputes and certified request XX/XX/XXXX XX/XX/XXXX In violation of consumer laws 15 U.S. Code 1692e - False or misleading representations R 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

US Code 1681 e ( b ) collections must be XXXX XXXX  accurate across all XXXX bureaus XXXX XXXX : Violation of 15 usc 1635 right of recission
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I tried to cash a check at XXXX. It was a Social Security Check in the amount of {$1100.00}. The check was denied and I was given a paper to contact Certegy. I sent for the report Certegy had on me and there was no reason give for the denial of the check. Under the Outstanding Items section of the report it said. No information on file. Under the Consumer Report Data Exchange, it stated : Information maintained in Certegy 's files from the Outstanding Items or Resolved Items section of this report may have been reported to XXXX XXXX XXXX  Since there was no reason given I called Certegy and spoke with a person by the name of XXXX and she could not provide with a reason. 
On XX/XX/2019, I tried to cash another Social Security Check in the amount of {$410.00} and again was denied and given another paper to call Certegy. 
How can I continually be denied by this company for no apparent reason, since they are not able to provide me a reason for being denied?
Product: Mortgage

I have attempted to get Specialized Loan Servicing to correct my account since XXXX 2016. Since XXXX 2016, each month, they " lose '' the payment that is sent electronically to them directly from XXXX XXXX Bank. Each month, I call them and they state I must submit written proof of payment, which I do. XXXX and XXXX monthly payments have not yet been corrected on my account and I was charged a late fee, because SLS returned the XXXX payment claiming I had an incorrect account # on the payment. The payment set-up with XXXX XXXX electronic submission has not changed since SLS started to receive payments two years ago. I spoke with XXXX at SLS and she told me that the payment was returned in error ( the conversation was recorded by SLS ) and to re-submit the payment, which I did. Therefore, the late fee needs to be removed. The late payments on my credit report also need to be removed and corrected. I have tried to call XXXX and speak with both supervisors and managers, ( e.g., XXXX on XXXX/XXXX/16 ) to have the XXXX and XXXX payments corrected and the monthly late fee removed. I received my XXXX statement today and these corrections have still not been made.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXX 's actions XXXX 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 XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts thats Ive marked as innaccurate. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX