23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 there were 3 charges on my account that were fraud I let them know that i didnt make these purchases they refused to stop the transactions and give me my money back the company is American Express Serve. The amounts are XXXX, XXXX & XXXX
Product: Credit reporting or other personal consumer reports

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 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.
Product: Checking or savings account

Yesterday, XX/XX/2022, I opened a savings account with Chase. Today my account was locked. I called the support line, spent the entirety of my day waiting to get into contact with an agent, the agent put me on hold and then informed me that my account has been terminated and they dont have a reason. I went to a chase branch close to my house and they refused to release the funds from my account, and informed me I will receive a check within the month. They would not tell me why my account was terminated. I was a member of chase bank for nearly a decade with no outstanding debt or overdraft during that period. I want to emphasize a single fact in here, I spoke with maybe 6 representatives and not one of them could tell me why my account was terminated how could a business operate in such a manner that they can not give me a reason as to why they are terminating my account?
Product: Debt collection

I received a phone call from XXXX at XXXX today. The person on the other end of the phone identified himself as XXXX from National Credit. When I asked him for his supervisor 's name, he hung up on me. I looked up the phone # on XXXX and found it is actually for the XXXX XXXX in XXXX MO. I believe the person calling is either using fraudulent tactics to obtain information and/or money from me ~or~ is at the very least illegally disguising their phone # if they actually do work for National Credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX Bank XXXX XXXX to have the inquiry removed from my XXXX  account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

this been going on for some time, MO AG office resolve this, as the debt not mine back 2012
Product: Money transfer, virtual currency, or money service

When i transfer money XXXX or XXXX bank account i can't make transfer. money is refund or cancel everytime. 
when i transfer money to bank account only XXXX dollar i can transfer. Why? at least XXXX or something right. but now only XXXX only i can transfer but everytime refund or cancel. 
Please explain to me. 
Thanks for helping me
Product: Student loan

XXXX XX/XX/2024, payments not applied to my account, reported to credit bureau, XXXX XXXX loans that should he e been forgiven, navient claims they are only bound by the lawsuit to release loans, over 7 months in default. It is impossible to deal with them, they misapplied payments, for XXXX then over paid for XXXX then took XXXX to put in forbearance. For XXXX months, XXXX XXXX XXXX, making payment due again on XXXX, nothing they do is legal.
Product: Debt collection

Subject : Complaint Regarding AmSher Debt Collections and Credit Reporting Concerns To Whom It May Concern, I am writing to formally file a complaint against AmSher Debt Collections regarding their unprofessional and aggressive behavior. On multiple occasions, representatives from AmSher were rude and made threatening statements, claiming they would ruin my credit. Additionally, they falsely stated that XXXX would shut down my account permanently if I did not pay the debt directly to them. They acted as though they represented XXXX, which I find misleading and unacceptable. 

My XXXX/AmSher Account Number is XXXX, with a total amount due of {$220.00}. I have since paid this balance in full on Saturday, XX/XX/year>. However, I am deeply concerned about the potential impact on my credit report, given the threats made by AmSher. 

Furthermore, I would like to emphasize that I was initially informed by XXXX that I had 90 days from XX/XX/year> to pay my bill. Yet, my account was placed in collections on XX/XX/year>, which was not even the full XXXX period. It is evident that there was a miscommunication or error on XXXX part, and I should not be penalized for this. 

I am requesting the following : 1. Written confirmation that this debt will not negatively impact my credit score.

2. Reassurance that this matter is resolved without further consequences.

3. A formal apology from AmSher for their unprofessional conduct and false claims. 

The behavior I experienced was unacceptable, and I sincerely hope no one else has to go through the same treatment. I expect this situation to be handled swiftly and appropriately. 

Thank you for your time and attention. 

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

In XX/XX/2018, I sent in a pay for deletion confirmation letter from the bank XXXX XXXX XXXX XXXX ( XXXX ) to the credit bureaus of XXXX  and equifax, which explained that myself and the creditor had a agreement that was completed in which the account would be deleted in exchange for my payment. The letter is valid and stated completion and if I wanted to speed up the removal process I should send to the reporting agencies. I sent to the credit bureaus but XXXX  and equifax never deleted it, their response was " verified ''. But i never received anything in the mail that was a copy of the verifiable proof they got from the said creditor to keep the account on my report. These types of practices by the reporting agencies are illegal, 609 federal law fcra. 
Also after not noticing any changes on my credit report, I sent in a new dispute stating the XXXX account was absolutely not verified and valid as a current account, legally. I needed to receive proof of verifiable documents, signed consumer contracts, etc. for this account to remain and again, got another response saying its still verified with no proof sent to me. The credit bureaus have my current address and contact info, they are just being a XXXX XXXX XXXX XXXX. This said account being left on my account is not only unfair but it is unjust. My report has been improperly handled which has affected my ability to obtain further credit.
Product: Mortgage

Tried several times to make a payment even called the mortgage company which stated they had issues processing payment via online and over the phone, was told several times a supervisor would be contacting me which never happened, I now have a 30 day late payment on my credit file for what was the mortgage companies fault.
Product: Money transfer, virtual currency, or money service

Dear XXXX XXXX, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe that this limitation was placed by mistake, and I have not violated any PayPal policy. 

I was shocked to learn that my account had been permanently limited without any prior warning or explanation. I have always been a loyal and responsible PayPal user and have never engaged in any activity that would violate PayPal 's policies or terms of use. 

I respectfully request that PayPal re-investigates my case and restores my account if possible. I believe that there must have been some misunderstanding or mistake, and I would appreciate the opportunity to present my case to a PayPal representative. 

I am willing to provide any information or documentation that PayPal may require to support my appeal. I have always valued my relationship with PayPal and would like to continue using their services. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ Your Name ]
Product: Debt collection

This debt was put on my credit report and I do not know or owe this debt. This is dramatically effecting my credit. Please I need this removed. 
Thank you and I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I sent your company a dispute letter last month, XX/XX/2023, It's been over 30 days already but I still haven't got any update in any form coming from your company. I am aware that the FCRA is requiring the CRA 's response within 30 days but I don't know. I read on the internet that I can ask for help from CFPB, XXXX, and the Office of the Atty General so I'm resending the documents that I sent last month for you to look into.
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 proce 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 for these violations.
Product: Debt collection

Wakefield and Associates repeatedly calls my number for XXXX XXXX. I do not owe any debts and have asked them 5 different times to stop calling my number to no avail. This harassment needs to cease and desist immediately
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair 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 according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Mortgage

I previously had a home equity loan with Wells Fargo when i signed note on XX/XX/XXXX under payments " Payments I make from a qualified account ( " Automatic Payments '' ) pursuant to an Authorization for Automatic Transfer will be credited to my Loan on the date received ( including Saturdays, Sundays, and holidays ) ''. This held true until XX/XX/XXXX when I received a letter with the subject " When automatic payments are scheduled on a weekend or holiday '' The letter stated " What you need to know Previously. If your payment was scheduled on a weekend or holiday, it came out of your account on the next business day. The payment was then backdated to show that it was applied on the weekend or holiday. 
Now. If you payment is scheduled on a weekend or holiday, it'll still come out of your account on the next business day. However the payment won't be backdated. It'll be applied on the day it comes out of your account. This means some of the payment will go towards the interest incurred during the weekend or holiday instead of to the principal or other balances... '' I have previously filed a complaint about this and Wells Fargo states that they feel they did not violate the loan as they state " The Mortgage Note requires us to credit your account as of the date your payment is received and we will continue to do that ; however, since we will not be autodrafting payments on weekends and/or holiday there will be no payment to back date as it will be autodrafted the following business day. '' This is not supported by both the Loan Note and the letter that was sent to me dated XX/XX/XXXX. As that letter specifically states previously payment was taken out on the next business day but backdated but now the payment will " still come out on the next business day ... [ but ] wont't be backdated. It'll be applied on the day it comes out of your account. This means some of the payment will go towards interest incurred during the weekend or holiday.. 

Wells Fargo has lied about how the letter dated XX/XX/XXXX and the Loan Note are stating payment application and the fact that they can now charge more interest because of the fact they are not backdating payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Credit card or prepaid card

My personal documents ( social security card, birth certificate, ID, passport ) were all stolen in 2016 and have all been replaced since. The use of my identity has occurred since the but I routinely check my credit file to ensure nothing appears in my name that is fraud. After reviewing my credit file, I filed a report with the XXXX Police Department with XXXX XXXX XXXX ( Badge XXXX case XXXX on XXXX in regard the above referenced fraudulent accounts that were opened in my name without my knowledge
Product: Credit reporting or other personal consumer reports

I have contacted Experian and XXXX credit bureaus to dispute 2 inquiries that I did not authorize. Both are from XXXX XXXX with inquiry dates of XX/XX/year> and XX/XX/year>. XXXX XXXX  states they received credit applications in my name but I have not applied from any new personal credit with them. I have attempted to dispute the inquiries with the credit bureaus but they refuse to even start an investigation to verify information they are reporting.
Product: Debt collection

This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company was trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section XXXXB that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, it's not mine.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXXXXXX Balance : {$0.00} U S DEPT OF EDXXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$12000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX  XXXX Bankruptcy Reference # : XXXX 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 this item 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: Mortgage

On XXXX XXXX, XX/XX/2013 I applied for a mortgage loan with The Huntington National Bank. Mortgage Loan # XXXX. I was pre-approved for a XXXX year conventional loan at 4.375 %. On XXXX XXXX, XX/XX/2013 my loan was approved and I locked in an interest rate of 4.75 %. The rate lock expired on XXXX XXXX, XX/XX/2013 and the mortgage rates subsequently decreased. As the rate of 4.75 % had expired and new rates were lower I asked XXXX XXXX ( NMLS ID : XXXX ) as ( XXXX ) XXXX to give me the new lower rate but she refused. I closed on my property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ) on XXXX XXXXXX/XX/2013. Is this legal? What are my rights? I wish to file a formal complaint and have CFBP and any other governmental agency with jurisdiction to begin an investigation into this matter. I have mailed your a hard copy of the pre-approval letter as well as the approval letter for your review. 
Sincerely, XXXX XXXX ( mobile ) XXXXXXXXXXXX
Product: Checking or savings account

I opened an account with Citibank in response to their reward offer for {$1000.00} for a new account. I used my XXXX account to fund the Citi account and deposited almost {$200000.00}. I tried to make a transfer of {$9900.00} back to my XXXX account and I was blocked out of my Citi account due to suspected fraudulent activity. It has now been almost 2 weeks that I have been unable to access my funds and yesterday their team told me that they would be taking 30-60 days to review my account before closing it. They said during this time I can have no access to my money. This is not okay because it is all of my money and I am in the middle of a remodel project.
Product: Credit card

I was trying to place an order on Amazon and was having problems with the Internet ; I was trying to submit my order and accidently pushed apply button. The Chase Bank Card has put an Inquiry on my credit report and I want this to be removed because I did not apply for any credit. I was just trying to push the Add to Cart button and since there was problems with the Internet, I accidently pushed Apply. Please help get this removed from my credit report.
Product: Mortgage

In response to case XXXX I requested an explanation of the difference from my unpaid principal and pay off. I was provided a pay off and charged XXXX related to the case opened with the CFPB. Now how UNFAIR is that. I had already obtained a verbal pay off and never requested another pay off. I want the company to waive the XXXX fee. 
I also already sent the money to pay off the loan and it was received by you today. 

I need to the lien release to reflect my legal name XXXX and married name XXXX. Attached are 2 of the supporting documents provided from the list in the CFPB case. Once that has been recorded with my legal name, please provide proof this was completed.