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

My father passed away XX/XX/year>. He has XXXX account with Merrill Lynch by Bank of America. The Account has been awarded to me in XXXX XXXXXXXX MI probate court with a decree of Determination of Heirship in a formal probate hearing. I have submitted my court documents as well as the other documents asked of me and Merrill Legal team has denied my documents are accurate probate documents and have not released the fund to me. They have asked for Letters Testamentary or small estate affidavit which my dad 's probate does not qualify for based on asset amount and date of death. I tried to explained to the rep but they stated they have to wait for the legal team whom does not have a customer number or email available so me or my attorney can contact. I have been denied access to speak with any type of supervisor directly, they have responded that a supervisor will schedule to call me back in 24-48hrs ( which they haven't ) and the legal team will reassess my documents in 3-5 business days, AGAIN. Every time i call the life services department i receive the same response. There is no courtesy for this been sent back incorrectly and ignorance to MI probate law. Its stressful enough dealing with your parent passing and handling all their affairs, probate court, attorney fees, funeral expense, and arrangements and have to argue with a bank about their account that has already been grated by a court of law. 
Case # XXXX
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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 requirements under the XXXX XXXX XXXX XXXX  ( 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

[ Your Name ] XXXX XXXX XXXX XXXX  XXXX Mt. XXXX, XXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of XXXX XXXX XXXX Account from My Credit Report I am writing to formally dispute the continued reporting of an account from XXXX XXXX XXXX on my credit report. This account has been on my report for more than seven years, and under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) ( 4 ), derogatory accounts, including charge-offs and collections, must be removed from a consumers credit report after seven years from the date of first delinquency.

The continued presence of this outdated account is negatively impacting my credit score and preventing me from securing essential credit opportunities for everyday purchases. I kindly request that you investigate this matter and remove the XXXX XXXX XXXX account from my credit report immediately, as its continued reporting is in direct violation of federal law. 

Please provide me with written confirmation once this account has been removed. If it is not removed, I request a detailed explanation, including documentation verifying the date of first delinquency. If I do not receive a satisfactory response within 30 days, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Thank you for your prompt attention to this matter. I appreciate your cooperation. 

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

I have these accounts that are not mine and i want them to be remove. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

Starting on XX/XX/year> and given that NetSpend doesnt offer international transfers I decided to use an external merchant as the service provider for my transfers and I did it using the funds I had on my Netspend checking account, by debit card. Unfortunately, the merchant cancelled the transactions and never refunded back the money. I tried to contact the merchant and the response was always that I should talk to NetSpend because they indeed provided the refunds to the bank. The merchant even sent me the tracking numbers and the cancellation receipts where it was obvious that the bank had the funds. Then, I decided to file disputes for each transaction ( NetSpend doesnt allow to do multiple transactions in just one claim ). More than 20 days later, NetSpend replied with just one email, saying that ALL the disputes were denied because an error didnt occurred. They never provided provisional credit, which makes me think they never even initiated an investigation for my claims. When I call to ask for the reasons why they denied my disputes they refused to provide any information even though I said I had the right by law. I am totally convinced that the merchant indeed returned the money to them and they kept it and now they are refusing to give any sort of information. It is important to not that I sent every single document they asked for and I wrote the letter they also asked in order to provide provisional credit in 10 days ( which I never received )
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX | presume that no proof of tge alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$66.00}, XXXX XXXX XXXX XXXX. {$160.00}XXXX XXXX XXXX XXXX XXXXXXXX. {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

was just looking over my credit report on XX/XX/XXXX and found some information that appear to be incorrect. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax continue to report inaccurate information without the consumer permission. And one more thing according to 15 USC 1681s-2 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. 
I am writing to dispute the XXXX XXXXXXXX XXXX listed on my credit report. The bankruptcy was filed on XX/XX/XXXX, under case number XXXX!. However, I would like to bring to your attention that this XXXX XXXX XXXX has been dismissed by the court. 

As a result, this bankruptcy entry should not be included on my credit report. The dismissal of the XXXX XXXX XXXX means that it was not completed and should not be considered as part of my credit history. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and up-to-date information on consumer credit reports. The inclusion of this dismissed bankruptcy entry is misleading and negatively impacting my creditworthiness. 

I kindly request that you investigate this matter and promptly remove the inaccurate bankruptcy entry from my credit report. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy entry from my credit report. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I payed the loan back in full and they still took my money off the card after I payed it back
Product: Debt collection

This is like the 5th time this " debt '' has been added to my credit report. Each time they list it as new debt. 1 time I spoke to someone they said it was for a cell phone bill, but I have used the same cell phone company for 10 yrs so I knew that wasn't true. Then I have to fight it with the credit burrows for 2 or 3 months then it magically goes away. I know of no debts that are unpaid or in collections. Nor can I get any proof of when this debt was originally incurred or for what. I am to my wits end with this company and shouldn't have to fight the credit burrows over it 3 times a year over a debt that apparently isn't legal or mine. Dynamic Recovery Solutions is just playing with my credit like a toy with no proof of legal debt.
Product: Bank account or service

I have been trying to get proof of a life insurance policy that Bank of America was debiting my checking account for {$650.00} a month for 10 months. When I spoke to the branch manager they indicated they could not provide proof and that they would not refund my {$6500.00} that ( stole ) from my account. There is also a credit card with them that we have also addressed as trying to get settled and they will not respond. I finally had to retain counsel to get this resolved and even with my attorney reaching out to them they will not respond.
Product: Money transfer, virtual currency, or money service

Hi, I believe that closing my account was a mistake. Im using paypal account for my online freelancing since XX/XX/2022. My account XXXX has XXXX XXXX stuck funds in it and I need to withdraw for my allowance and to pay my bills. Im hoping for your kind consideration Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This complaint is filed against both XXXX and Equifax for reporting a account on my credit report that has wrong/ incorrect information that is affecting consumers credit score, violates due process of federal law and violates the Fair Credit Reporting Act. Said account was disputed with both XXXX and Equifax and verified as correct/ accurate. Said account is called kickoff lending under account number XXXX. A investigation of both reports side by side will show errors and discrepancies which will show both credit reporting agencies verified completely different info. from same account which is impossible. A copy of the consumers XXXX XXXX 3 bureau report is included in this complaint to show all errors and discrepancies since reports are side by side.Both XXXX and Equifax can't verify info for the same account and both reports be so different in nature.I am requesting that this complaint be sent to both XXXX and Equifax and that each compare both reports and investigate all errors. Said errors are : 1. High balance on XXXX shows 0 and Equifax shows 15. Both differ. XXXX. Date of last activity with XXXX shows XXXX and Equifax shows XXXX. Both differ. XXXX. Date of last payment with XXXX shows XXXX and Equifax shows XXXX. Both differ. XXXX Credit limit with XXXX  shows XXXX and Equifax XXXX XXXX. Both differ. 5. XXXX shows 3 90 days late and Equifax shows XXXX 90 days late. Both differ. 6. XXXX report states last payment made was XXXX. Contrary on same report under 2 year payment history calendar, it shows last payment made was in XXXX. Both differ on same report. 7. Equifax report says last payment made was on XXXX. Contrary on same report under 2 year payment history calendar, it shows in XXXX that the account was 30 days late. Both differ on same report and both can't be correct. XXXX. XXXX report shows on 2 year payment history calendar that in XXXX Of 2022 account was 150 days late and Equifax report shows under 2 year payment history calendar that account was 120 days late. Both differ and can't be correct. 9. Date last verified is missing on both reports. 3 bureau XXXX XXXX report with side by side reports will substantiate all errors and discrepancies. Both bureau reports greatly differ but both verified as correct is impossible.
Product: Money transfer, virtual currency, or money service

I used to work with coinbase to buy bitcoins and till now everything worked fine. 
1-2 weeks ago when bitcoin price crashed a bit i wanted to buy some bitcoins fast. 

so like every time i logged in and ordered some bitcoins. 
after the purchase i was asked to verify to speed things up else they would hold the coins for 3 days. Which was strange because i already was verified! 
i tried to verify again ( they asked for driver license ) but on the mobile it did not work and on my pc i have no webcam.. after some tries i got a error message and was logged out. Now i cant login because my account got locked. 

i already tried to contact their support of course but on phone i gave up cause no one i answered for over 30 minutes and via email i got an automated email they are " looking '' at it.. 

i ordered the bitcoins ( worth XXXX ) on XXXX 2017 and so i got not a single response till now! 
i just want my account to be unlocked and send the bitcoins to my wallet..
Product: Credit card

I have had an incredibly unfortunate and unprecedented situation occur after initiating a balance transfer request from Capital One to my XXXX XXXX credit account. My Capital One account was locked the following day to potential fraudulent activity and a case was opened requesting various documents from me. Although I submitted photos of my U.S passport, XXXX XXXX XXXX  statement, and my Social Security ID card ( which was verified ) they are refusing to resolve this case and unlock my account due to not being able to contact me themselves directly over the phone. I explained to them via XXXX that I am currently residing outside of the XXXX  XXXX in XXXX ) and don't have a U.S phone number, but I can provide my international phone number ( they for some reason won't contact me via this number ). 

I have spoken to several of their supervisors of their fraud team over the past ten days, and have gone through tremendous hassle trying to submit these documents and get my account cleared. I told them I can not submit a utility bill because I am not residing in XXXX and my driver 's license expired, but they allowed me to submit my passport and bank statement instead and I also submitted my social security ID. My proof of residence is on my XXXX XXXX bank statement as well. 

To conclude, the worst part of this situation is that they allowed the balance transfer to process and go through ( the XXXX dollar transaction showed up in my XXXX XXXX checking account on XX/XX/XXXX ), but still won't allow me access to my account, therefore I can not make payments to them and my credit score is in danger. 

I initiated this balance transfer request on the XXXX of XXXX, and they started this fraud case on the XXXX of XXXX. It is now XX/XX/XXXX and nothing has been resolved and they aren't authorizing my account based on nothing other than not being able to contact me directly over the phone themselves ( I've called in myself numerous times ). 

I have no other choice but to file a complaint against Capital One ( specifically their " fraud protection team '' ).
Product: Credit card or prepaid card

amex business gold credit card. 
received invitation in the mail to apply for this card, spend {$5000.00} and get XXXX bonus points, amex has been trying various excuses to not pay out their bonus. however, during the online application, they do put up a box just before the credit check advising if they are going to go back on their promised offer for any of several reasons. this way applicant who see the box can decide if they still wish to proceed. 

they sent me a personal invitation to apply for the card and get the bonus. 
during application they did not put up the box saying I was not eligible. 

now after my spent amount they are going back on their offer saying that I was never eligible
Product: Checking or savings account

On XX/XX/year>, my regular paycheck was deposited into my Wells Fargo account. Then, fraudulent transactions begin to take funds from my account. I did not receive one notification from Wells Fargo regarding these transactions which you can see were clearly not usual transactions made by me. Multiple attempts were being made taking funds from account back to back. Wells Fargo has sent me notifications for less. Wells Fargo has shut down my card on other occasions that were not fraudulent but when this happened, they did nothing and allowed this keep happening over several hours! My entire paycheck is gone days before XXXX! Wells Fargo had nothing to offer me but that I needed to wait XXXX business days for them to look into something! Wells Fargo said they have to let the transactions go thru first before they can do anything! They could have given me a credit or something! The bank just does not care! I have bills to pay! Its XXXX! Not to mention that you have to also wait days to receive a new card but that doesnt matter because theirs no money in my checking account! Wells Fargo needs to have a better system in place for customers and these fraudulent transactions because it isnt fair! I want someone to expedite this issue and put my money back! Asap!
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX 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: 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 XXXX credit bureaus must validate these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted for erroneous reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquires have appeared on my credit report with my knowledge or written consent. Please remove these inquires from my credit report as soon as possible. I have filed a report with FTC which is attached to the complaint. 

Please remove the following credit inquires : XXXXXXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Checking or savings account

On XX/XX/XXXX a overdraft deposit account was supposedly overdrawn for XXXX they then filed a 1099-c form which I received on XX/XX/XXXX Which intern I contacted Wells Fargo gave them account number in which that loan # ( XXXX ) did not exist and nothing under my name XXXX XXXX XXXX social security ending # XXXX. The customer representative wait 10 days for a answer and gave a reference # XXXX
Product: Debt collection

Multiple attempts via emails and their website contact page to get information, resolve, etc, have been ignored. I have sent 5 emails, and sent 3 website inquiries starting XX/XX/2021. 

Their lack of response, and continued aging of the account has caused damage to my credit report, and reputation
Product: Credit card or prepaid card

Dear Sir or Madam : This involves 2 credit cards issued by Capital One in which i was charged a late fee of {$28.00} for each card in XX/XX/2022. 

Card one : Capital One Platinum XXXX Card two : Capital One Walmart XXXX My due date XXXX fell on a Saturday. When i attempted to make payment on XX/XX/XXXX - their calendar date only had the following Monday and process date of Tuesday because banks do not process payments on weekends. I filed 2 separte complaints with the XXXX  and one with Texas Attorney Generals Office of Consumer Complainst. All went unanswered and cases were closed. I also called XXXX and they refused to issue me credit. 
I in good faith attempted to pay on my due date and was charged a {$28.00} late fee. I am requesting that a refund be issued to both my credt cards.