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

I am filing this formal complaint against XXXX XXXX ( XXXX ) for violations of the Consumer Financial Protection Act ( CFPA ). The violations are as follows : 1. Deceptive Practices : XXXX misrepresented certain features of its platform, including [ describe the specific deceptive practice, e.g., unauthorized charges, misleading advertising about premium services, etc. ]. This caused me financial harm and was misleading to consumers. 
2. Unfair Practices : The company engaged in unfair practices by [ describe the unfair actions, e.g., auto-renewing subscriptions without proper notice, failing to provide refunds despite promises, etc. ]. These actions resulted in undue costs and stress to me. 
3. Failure to Protect Consumer Privacy : XXXX failed to safeguard my personal and financial data, leading to [ describe any consequences, e.g., exposure of sensitive information, unauthorized charges, etc. ]. 

I believe these practices are in direct violation of the CFPA, which prohibits unfair, deceptive,
Product: Checking or savings account

As a fully XXXX veteran, I find US Bank 's actions absolutely appalling. US Bank 's response to my CFPB report XXXX, has patently false and fraudulent information presented. They state that " online access was restored on XX/XX/XXXX '', however this is a complete fabrication of the facts as I was still locked out of the account all day of XX/XX/XXXX and even their own customer support said it would be locked out until XX/XX/XXXX and XXXX representative said I would regain access on XX/XX/XXXX. US Bank 's response also stated that they reviewed their " customer service for accuracy '' and that their " bankers acted professionally and provided accurate information '', however their own customer support specifically contradicts the claim that I would regain access on XX/XX/XXXX. Both these statements in their response can not be true. I formally request all recorded calls I made to US Bank regarding this issue be presented to the CFPB as well as a log of all my logins and failed logins due to locked account, so they can see this fraudulent statement for what it is. US Bank 's statement is a disgraceful farce to the banking industry, the CFPB, US Bank 's customers, and most of all, to XXXX veterans like me that served their country honorably.
Product: Credit reporting or other personal consumer reports

I am filing a complaint 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, Equifax 's actions may 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 the account is accurate, without providing any evidence of & thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I've marked as inaccurate ( XXXX XXXX date XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent three credit report disputes to XXXX, Transunion and XXXX. The total amount for the loans are {$9200.00}. I've sent out disputes on the dates of XX/XX/2020 XX/XX/2020 and XX/XX/2020. I've constantly have asked for proof of verification on these accounts but haven't received any proof at all.
Product: Credit reporting or other personal consumer reports

I have contacted Wells Fargo repeatedly to request removal of this account. However, each time I reach out, they provide inconsistent information, altering the dates of the alleged delinquency. It appears they lack accurate records and are fabricating dates arbitrarily This account was on schedule to be removed this year in XXXX. You all pushed back the date every year
Product: Student loan

Hello, My student loans are currently serviced through MOHELA/Federal Student Aid. I am one of the borrowers who was automatically placed by FSA on the SAVE forbearance and thus unable to continue to make qualifying payments. I am also a Public Service employee and was on track for loan forgiveness this month ( XX/XX/XXXX ) after working for a qualifying non-profit employer for 10 years. However, due to being placed on the SAVE forbearance with no ability to switch plans, I am stuck at XXXX out of XXXX payments and unable to make qualifying payments to make progress towards my loan forgiveness since XX/XX/XXXX. 

I was finally able to apply for a different repayment plan ( IBR ), after it was clear that the injunction would not be resolved in the court system. I submitted this application on XX/XX/XXXX. According to FSA, I would be placed in a processing forbearance during this time, and the processing forbearance WOULD count towards my Public Service Loan Forgiveness. Since that time, I have NOT been placed on a processing forbearance, and have received no update from MOHELA or FSA. I would like to be placed into a processing forbearance immediately and backdated to the month I applied for IBR.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent accounts In accordance with the Fair Credit Reporting act XXXX  accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX has violated my rights XXXX15 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
Product: Checking or savings account

On XX/XX/2018, opened account and funded the account from an external account totaling over {$50000.00}. On XX/XX/2018, I logged into my online banking to see a very small notice that my account was on hold and that I should contact bank. I contacted bank on XX/XX/2018, and spoke to a representative who informed me that two transfers had been reversed. Transfer dates were on XX/XX/2018 and XX/XX/2018. Funds were transferred back to the account in which the initial account funding took place on XX/XX/2018. During the call on XX/XX/2018, I informed rep that the transfer reversals need to be cancelled immediately as the funds were no longer being held in the external account, and that this would result in returned item fees and NSF fees at the bank the funds were already transfer to, had cleared, and been made available to me. The representative refused to cancel the transfer reversals and advised that no one at the Bank would be able to do anything about this problem. This is problematic because I received NO notification that the transfers were being reversed and have now been charged with the fees at the external institution.
Product: Debt collection

Credit Consulting Services has continued to attempt to collect amounts that are no longer on my credit report. They are showing that I owe a judgement from XXXX/XXXX/07. This no longer appears on my credit report either. How long can a debt collector continue to collect on old debt? I have been threaten, sued and harassed by them for over 10 years. What rights do I have to fight against them?
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX XXXX I took out a home equity loan with Flagstar Bank. Among the papers I filled out was a request to have my payments automatically taken out of my bank account, and I provided a voided check. My first payment was due in XXXX and I made that manually. 

On XXXX XXXX I received a message from Flagstar saying it was urgent that I call them. Wondering if it was my loan, I looked online and saw that I had missed the XXXX and XXXX payments. I had no idea, I thought they were being auto-paid. I also had 2 late fees for {$35.00} each. 

I called Flagstar and they said that the auto-payment can take up to TWO MONTHS to go into effect. I was told that the loan officer should have warned me about that but " they do n't get trained right sometimes. '' At any rate, they said mine had NEVER gone into effect. I paid up my account and requested a reversal of the late fees. 

Today my credit monitoring alerted me that my credit score dropped 58 points! Flagstar has reported one missed payment. They 'll probably report the other one and my score will go down even lower! 

I have put in a request at Flagstar for them to REVERSE the reports of missed payments with the credit bureaus. I had great credit, I pride myself in not being late! 

1. My loan officer should have told me to continue making manual payments and monitoring my account until I 'm sure auto-pay has been implemented. 

2. Flagstar should have alerted me long before XXXX XXXX that I had missed two payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2018 I contacted XXXX around XXXX to close my account and start a repayment plan. At that time they said I was not elligible and had to wait 30 more days. but for some reason they still locked me out of my account, disabled all my mail and email notifications. Because of this apparently there was. {$13.00} payment that was missed, but never received any calls or anything about it. It showed up on my credit report as a late payment in XXXX, once I saw that i paid it immediately. I contacted some of the credit bureaus, XXXX   would not removed it, XXXX did remove it. And I dont know If equifax did anything. 

I even contacted XXXX about it and they could not help me. This was not my fault and was completely out of my control. I was not even able to login to my account at santander. This is ruining my credit score
Product: Checking or savings account

XXXX XXXX Chase closed my checking account ( account number is XXXX ) on XX/XX/XXXX and withdrew all my money on XX/XX/XXXX. Chase promised me that I would receive a money check with all my money in 5-7 business days. After one week, they told me that the check should be mailed out. Without receiving anything, on XX/XX/XXXX, I called Chase but they said there might be some investigation going on which hinders their returning my money. As an XXXX XXXXXXXX, I put all my money for my tuition fees and living expenses in my Chase checking account. I currently don't have a job and that was all my money. Now, they told me that they don't guarantee returning my money. And they do not offer further info or help. They simply let this poor little XXXX, living in an alien country without any family, die due to no money. Definitely, my family in XXXX is working class in a small town, and they are not able to send me the tuition fees twice! I feel helpless and don't know how to live in this world.
Product: Credit reporting or other personal consumer reports

The attached XXXX XXXX account appears on my credit profile but I do not have any account with them under this account number and when requested investigation from the credit bureaus they could not validate the account but it still remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to 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 account. With in 30 days.
Product: Credit reporting or other personal consumer reports

I'm concerned about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

In Accordance with the Fair Credit Reporting act XXXX  accounts name has violated my right. XXXX XXXX XXXX. XXXX  XXXX XXXX DBA XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Money transfer, virtual currency, or money service

I am writing to express my deep dissatisfaction and concern regarding the unjust and unwarranted suspension of my PayPal account. I have been a loyal and responsible PayPal user for [ number of years ], using the platform for various transactions, including selling items on XXXX, completing art commissions, receiving payments from friends, and conducting business with local mom and pop shops. 

Recently, my account was suspended without prior warning or a clear explanation of the reasons behind the suspension. I have always adhered to PayPal 's terms of service and have not engaged in any fraudulent or abusive activities. The only recent incident that I can identify is a transaction intended for an associated individual who helps me manage my commissions. Unfortunately, this individual filed a refund, leading to the closure of my account. 

I am fully committed to resolving any concerns related to that particular transaction promptly and fairly. However, the drastic measure taken by PayPal to suspend my account without proper investigation or communication is highly unjust. This abrupt suspension has disrupted my ability to engage in legitimate transactions and has had a significant impact on my personal and business activities. 

I have attempted to contact PayPal 's customer support for clarification and resolution, but the responses have been unhelpful and vague. The lack of transparency in their decision-making process and the absence of a clear appeals process have left me frustrated and helpless. 

Whats the matter is that whoever mess with my account took out money from my bank of a total of {$160.00}, and been using my account without my prior knowledge, I end up having XXXX cases on Paypal that I was unaware about, I called customer service to ask what this was about. But then I ended up getting permanently banned and the scammer took my bank number under my nose, as well as having a negative XXXX of XXXX dollars. Paypal never emailed me this information, this was something I had to find out on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy Discharged CH-XXXX XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that Bankruptcy Discharged CH-XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

First Financial provided bridge and equity loans in conjunction with mortgage loan from XXXX XXXX. Did not provide adequate communication, did not answer questions, was very disorganized, forgot several things. Asked for same info multiple times. Resulted in closing on house to be delayed 3 times ( 3 weeks late ). Had to reschedule movers 3 times and had to live among boxes and wrapped furniture for 3 weeks, and has delayed sale of existing home ( couldn't show house during same time frame ). In addition to the tremendous frustration and inconvenience, resulted in additional loan costs to extend interest rate on mortgage loan. I have 8 pages of documentation ( attached ), all emails and text messages to show the incompetence and extremely poor service. XXXX XXXX   finally did reimburse for the added cost of extending interest rate. But First Financial has done nothing to resolve the matter and I don't believe what XXXX XXXX has done is sufficient resolution to the issue. Filed complaint with XXXX ( ID XXXX ) that was not resolved. First Financial contacted me an indicated they were not at fault and indicated it was due to lack of communication and information from XXXX XXXX. XXXX XXXX simply points the finger at First Financial as the problem. Both were at fault an extremely incompetent in the services provided.
Product: Credit reporting or other personal consumer reports

This is a formal dispute of information and reporting. I formally exercise my rights as a consumer to request that you only report True, Factual, Correct and Current, & verified information and I request that any deficiently reporting information be released and dismissed at once. I DEMAND In this lawful request I DEMAND that you initiate a complete investigation of the source of these accounts and ascertain that the creditor had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be them true or not, valid, or not.

I demand you prove beyond doubt your claims ( s ). 
This XXXX item is deficient as reported, as above-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the METRO XXXX  FORMAT compliance since, per XXXX, XXXX XXXX  Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
Please delete the follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters XX/XX/XXXX to Equifax and XXXX and disputed online with XXXX requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with Experian, They updated the inaccurate information and left the account on my Credit report. STATE OF MICHIGAN CHILD SUPPORT XXXX. This is inaccurate, i have not given anyone permission to use my information for this account, i do not have any credit transactions with this company. Experian refuses to remove this fraudulent account and inquiries. Inqiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 
The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device this agency is in violation of 15 USC 1681a and i ask that this fraudulent account is deleted immediately.
Product: Money transfer, virtual currency, or money service

XXXX received regarding a cashapp account fraudulently created under my name and social security number. I do not have a cash app account. However this fraudulent account reports XXXX dollars of income on it. Cash app run by block inc is not willing to fix this problem.