23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Blick  , 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 le 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 for these violations.
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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

I filed two complaints back in XXXX  never heard anything back and incorrect information or information that should be removed still is on my report.
Product: Credit reporting or other personal consumer reports

TRANSUNION is reporting inaccurate information on my consumer report. This is defaming my character and hurting my reputation. It is doing harm to my credit worthiness and Im losing out on credit opportunities. Please delete these items XXXX. XXXX XXXX credit card 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XX/XX/XXXX, I got a new cc from AAA ; it was issued by Bank Of America. I signed up for automatic payments of my billed balance, as I do for all my Credit Cards. For the first couple months, they did it wrong and only took out the minimum even though the phone rep and I could see the full amount was supposed to be taken out ; Part of this is BoA 's confusing terminology, which I 'm sure causes many customers the same error of selecting the wrong option to have the full balance due withdrawn ( and I 'm sure BoA charges interest on those who do n't complain! ). I called, and they corrected and refunded the erroneous interest charge. After the second month of that nonsense, I cancelled the auto payment because BoA 's system was obviously screwed up and paid the full amount that was n't deducted of the previously due balance ; again the erroneous interest was credited back to my account. I had a bad feeling when the amount I 'd paid was n't removed from the bill I got, but since I had already cancelled the automatic payment, I felt I was in the clear to pay the amount due prior to the due date and all would be copacetic. The XX/XX/XXXX payment situation was WORSE : On XXXX XXXX, I paid the full amount that should have been billed had the prior month balance been deducted as it should have ( and it was when I had it at my prior complaint call ) ; my XXXX XXXX payment paid the full amount of the billed statement well before the XX/XX/XXXX due date. On XX/XX/XXXX, less than {$40.00} in new charges were then left on the account. Nonetheless, on the XXXX XXXX payment due date, BoA withdrew the entire {$880.00} they had erroneously billed even though I 'd ALREADY paid it in FULL by XXXX XXXX -- AND there was only a total of {$40.00} remaining charged to the account. Is n't this ILLEGAL?? BoA should be fined. As a result, my bank charged me {$60.00} in " courtesy payment fees '' for covering the actual bill payments that were supposed to be deducted by XXXX of my other credit cards. I asked BoA to refund their erroneous collection of {$880.00}, which they did, but it took 7 days ( creating half the {$60.00} courtesy fees ). AND I asked for the {$60.00} in fees charged by my credit union to be refunded to me since they were cause by BoA 's erroneous withdrawal from my account. Both a BoA phone rep and supervisor refused and would not give me any additional person to contact, though the supervisor supposedly sent a complaint on my behalf to unnamed person or dept in BoA. She also told me BoA does not even have a mailing address available for me to write to them and complain, and their online complaint form is so well hidden I can not find it on my own. I want BoA to refund me the {$60.00} in fees and also pay me {$500.00} for the stress and duress this has caused me and the damage to my credit rating. Further, this loss of {$60.00} is causing me to have to locate sufficient funds to pay my XX/XX/XXXX bills while I wait for the delay in BoA 's refund of the {$60.00} fees charge they owe me.
Product: Credit reporting, credit repair services, or other personal consumer reports

am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$160.00} XXXX XXXX XXXX Last reported XX/XX/XXXX {$720.00} Reported balance Credit limit {$400.00} XXXX XXXX XXXX  Last reported XX/XX/XXXX {$470.00} Reported balance Credit limit XXXX XXXX FKA XXXX  XXXX Account Type Lease Balance {$470.00} Date OpenedXXXX XXXX XXXX XXXX potentially negative icon Potentially Negative Balance {$800.00} Date OpenedXX/XX/XXXX 1. The persons name they verified the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This issue is regarding Midland Funding. This experience on account # XXXX has been a great when dealing with XXXX XXXX. She accepted my settlement on the amount of {$520.00} for {$230.00}. Our communication at that time was respectful and rewarding.
However, with dealing with all the other representative after the payment has been made has been less that satisfactory. They are demeaning and refuse to send me the requested satisfaction letter.
I need the CFPB assistance with getting my satisfaction letter and to have Midland Funding update my credit report to reflect a XXXX balance.
As a customer I expect the same respect that was given to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C. Section 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. 1666B : A creditor may not treat a payment on a credit card account under an end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrectly to XXXX  ; Experian and XXXX  a balance due of {$63000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I traded this vehicle in and XXXX XXXX was paid in full. ( Please see attached Account Closed summary dated XX/XX/XXXX, as well as the Last Payment statement dated XX/XX/XXXX. ) This false reporting of a closed account with a balance due is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I recently discovered an XXXX XXXX account on my credit report that I did not open or authorize. According to the report, the account was opened on XX/XX/XXXX, with a high balance of {$14000.00}, and the last activity was on XX/XX/XXXX. Ive never applied for or used this account, and I believe it was opened fraudulently without my consent. 

I reached out to dispute this account with the credit bureaus and XXXX XXXX, asking for proof that I authorized it. However, Ive yet to receive any documents, like a signed application or transaction records, to show that this account is legitimate. 

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute and have fraudulent or unverifiable information removed from my credit report. This account has negatively impacted my credit, and I need it resolved as soon as possible.
Product: Debt collection

Original case : XXXX at CFPB Sirs US Bank. 

I am immensely surprised at the treatment you provide to your ex-customers. 

Regarding the claim that I made through the CFPB against US Bank, I comment the following : On XX/XX/XXXX, in a simple, concrete and kind letter, issued by ( document attach # 1 ) : XXXX XXXX XXXX U.S. Bank Reatail Payment Solutions He let me know that the claim was solved. 

I received this letter on XX/XX/XXXX ; but since XX/XX/XXXX I could see in XXXX and XXXX   the rectifications requested in my original claim. Attached photo of the information presented ( document attach # 2 ) I thought that everything was solved, to continue with my personal plans : Apply as soon as possible for a mortgage loan. 

On XX/XX/XXXX, I observe my credit report in XXXX, and I see that the data that had been disputed in my original claim ( they were already solved ) returned to be reported. Attached photo with the report of XXXX on XX/XX/XXXX ( document attach # 3 ). 

Continuously to this, I review my case at the CFPB page and I find a very professional letter, educated, but with more problems than solutions, issued on XX/XX/XXXX by ( document attach # 4 ) : XXXX XXXX Customer Care Specialist Honestly, I do not understand what happens or where we want to go with this case. 

On XX/XX/XXXX, I made several calls to the number XXXX ( as you suggest in your letters ),  but only answers a machine, which indicates to leave my information, and somebody call me back in 24 hours. I am waiting the call today ( XX/XX/XXXX ). 

I have been respectful of their times and procedures, I have done everything to find a friendly and immediate solution, but that has not been enough. I can not continue postponing my plans, due to the actions ( good or bad ) that the representatives of US Bank carry out. I need a solution no later than 24 hours after you receive this communication through CFPB. 

Once again I request that the data of my account appear in the credit bureaus as an settlement should be reported : Condition : Paid-Close Current Balance : {$0.00} Status : Charge Off. Settled - less than full balance Nowhere should there appear something like derogatory or balance > XXXX ( XXXX ). these terms do not apply in a settlement. 


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

I submitted a dispute with Experian about a debt being reported on my credit file.. The complaint included the facts that I was being charged an equipment fee ( which was returned ) Also a cancellation of contract fee ( we had already reached the terms of our contract and was no longer in a contract ) I submitted on the XXXX of XXXX and their results were available on the XXXX of XXXX which in no way can ever have the results of a fair investigation.. Also this account in question is being charged for dates we did not live at the residence which i can provide a current lease to the residence we moved to.. 
XXXX XXXX XXXX  XXXX Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$630.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Credit Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX ( Account ID # XXXX ) have 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 fumish a account without my written instructions.
Product: Checking or savings account

Sofi Bank has restricted my account since XX/XX/year>. They questioned me about some wires that were deposited last month, but only did once I tried to access some of the money. I have called several times and they say they are taking more time. I am okay with investigating because I have been the victim of wire fraud, however, two weeks without access to my funds is excessive and they have had a reasonable amount of time to investigate. They have not asked me for any further information from the wire senders to verify on my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern i submit a dispute On XX/XX/2023 in regard a dispute i send earlier on XX/XX/2023, I submitted a dispute with XXXX regarding XXXX. However, it has been well over 30 days and I have yet to receive a response from XXXX regarding my dispute. This delay is causing me undue hardship and is hindering my ability to reach my financial goals. As a result of this delay, I have been unable to secure the financing necessary to start my business. This has been a major setback for me and has caused significant stress and frustration. I urge XXXX to comply with the Fair Credit Reporting Act and respond to my dispute in a timely manner. I am requesting that XXXX provide me with a written explanation of the investigation and resolution of my dispute within 15 days of receipt of this letter. Additionally, I request that any inaccuracies be removed from my credit report immediately. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my file. ive noticed alot of errors that has caused denials. looking over my report these errors an items are not accurate on all 3 credit file. please review an remove the requested items listed in the files asap.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XX/XX/year> Hey Credit Transunion, I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation or the tair credit reporting act. 

Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b ) Account Name : XXXX / Account Number : XXXX This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. - Delete Account Immediately for violation of 15 USC 1681e ( b Thank you for your time and attention! 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I am on social security retirement benefits of XXXX XXXX monthly, payable on the second Wednesday of each month. 
XXXX was recommended for direct deposit and i signed up with them about XX/XX/2022. 
I have had repeated problems with them allowing fraudsters access to my account, and defrauding me of XXXX of dollars, most of which was refunded by netspendallaccess. 
Last XXXX, i received an alert of a fraudulent transaction and called the customer service department for more information. 
They responded and said a restriction was placed on my account, charged me {$23.00} for a new replacement card to be expedited to me. 
Yesterday i called to inquire about the card and the tracking number since i was denied online access to my online banking account. 
Surprisingly, i was told that a further restriction was placed on my account until i complete an identity verification. The link sent to me wouldn't allow the verification to be done, and out of frustration, i requested that my account be closed, and the {$23.00} billed for the new card be refunded, and the final check of {$820.00} be expedited to the address on file, and offered that {$20.00} be taken off my balance for the expedited delivery. 
Netspendallaccess have blatantly refused till an identity verification is completed, and they are holding me and my money XXXX while late fees charges are accumulating for me. 
I need every help available to get this dubious establishment with very bad public relations and bad business practices release and expedite my final check to the address on file immediately.
Product: Mortgage

I received an escrow analysis from Fifth Third where I have my mortgage. I changed Insurance companies XX/XX/2023 and they paid both my old insurer and the new one. 
They are now asking me to have the old one pay them direct in a specific way. The old one is trying to send the check to me to deposit back into my escrow.

In the meantime, Fifth Third has sent me a increase in my payment of almost XXXX per month, knowing full well they don't actually have that big of a shortage b/c the check they paid to my old insurance company will be deposited back to them. 
They played this game last year as well with my escrow, which was overpaid. They quickly sent me a large check with my overpayment and still raised my payment. It was only XXXX per month, so I didn't pursue a complaint after speaking with them. 
This time it is intentional and unnecessary, b/c they have factored in the return of the funds they will be getting, which they paid out from the escrow account I have been paying into for the entire year.
Product: Consumer Loan

I have been dealing with Security Finance for sometime and I try to keep my account up to date as possible. They are not very understanding and they are disrespectful. Some things that happen in life you have no control over. They will not accept partial payments and constantly harass you. My circumstances have changed and I ca n't afford the $ XXXX monthly but they do not care and continue intimidate you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED WITH XXXX ABOUT A ACCOUNT THAT I NEVER HAD WITH A BANK CALLED XXXX XXXX PARTIAL ACCOUNT NUMBER XXXX CLAIMING IT WAS OPENED IN XX/XX/XXXX FOR A AUTO LOAN.. THEY SENT ME A COLLECTION NOTICE SAYING IT WAS IN COLLECTION FOR A VEHICLE VIN # XXXX ... ( I ENCLOSED A COPY OF THE COLLECTION LETTER AND IT STATES THE VIN # ALSO AS PROOF ) I NEVER OWNED OR PURCHASED A VEHICLE WITH THIS VIN # ... BACK IN XX/XX/XXXX I PURCHASED A VEHICLE WITH THE VIN # XXXX FINANCED IT THROUGH XXXX XXXX. I SUPPLIED ALL DOCUMENTS OF THE VEHICLE I PURCHASED WITH PURCHASE AGRREEMENT, FINANCE PAPERWORK THROUGH XXXX XXXX, THE VEHICLE WARRANTY, A COPY OF THE NEW YORK STATE TEMPORARY CERTIFICATE OF REGISTRATION, A COPY OF THE WINDOW STICKER AND TWO DOCUMENTS FROM XXXX OF RECALLS ON THIS VEHICLE ALL SHOWING THE VIN # OF THE VEHICLE I PURCHASED.. I TRADED THE VEHICLE IN XX/XX/XXXX ON A VEHICLE XXXX XXXX XXXX XXXX FINANCED THROUGH XXXX XXXX WHICH IS IN GOOD STANDING ON MY CREDIT REPORT.. PLEASE DELETE THIS FROM MY CREDIT REPORT.. THANK YOU XXXX XXXX