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

Bank of America, the bank where my checking account is domiciled, unilaterally debited {$700.00} from my checking without my consent. I have sort explanations from the bank and what they told me is that it was used to give me a credit line. I did not authorize them making that deduction. I have demanded that this is reversed and the bank has refused. Rather they have been passing me from staff to another. I request that revert my money back to my checking account so that I can close the account and move to another bank.
Product: Credit card

I applied for a prosper credit card on XX/XX/year>2025 and got denied. Regardless the reason for being denied I have the right to credit. Withholding my access to my securities is security fraud. Youre violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act. 12 U.S. Code 412 States that a collateral is required for application for notes. Since you are denying me my credits please retract my application.

12 U.S. Code 412 - Application for notes ; collateral required Any Federal Reserve bank may make application to the local Federal Reserve agent for such amount of the Federal Reserve notes hereinbefore provided for as it may require. Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. The security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired
Product: Credit reporting or other personal consumer reports

There are billing issues on my credit report. According to Federal Law, consumer reporting agency should never consider any payment late under an open-end consumer credit plan. 

Furthermore

, us. 15 1681 states that you are to exclude solely as to transaction between the consumer and the one making the report. U.S. 15 1681 also states that I have a right to privacy. You have violated my federally protected rights consumer rights and I plan on taking legal action.
Product: Debt collection

Calvary Portfolio Services purchased a credit card debt in XXXX of approximately {$3000.00}. I reached an agreement with them to pay half that amount in equal monthly payments, which I did. I paid every month, on time, until our agreed upon amount was paid in full. Calvary agreed that once paid, the debt would be removed from my credit report. However, 5 years later, in XXXX, I received correspondence from a different debt collection company claiming they bought the other half of the debt. A few months later, I received correspondence again from Calvary, claiming they had repurchased the alleged remaining debt. I am a resident of California, whose laws prohibit collection of debts over 4 years old. 

To recap, this company breached our agreement by 1 ) reselling the remainder of the debt they agreed to forgive, 2 ) repurchasing that same forgiven debt and trying to collect it after CA statute of limitations had expired, and 3 ) refusing to remove the paid-as-agreed debt from my credit report, even after I disputed the debt. 

These deceptive tactics are damaging to my credit and to me. I completed my part of our agreement. Calvary needs to complete theirs and remove this from my credit report. Furthermore, this company needs to be forced to abide by the law and all consumer protections.
Product: Checking or savings account

Two accounts that are linked XX/XX/year> amounting XXXX {$450.00} deposits using fake checks into XXXX XXXX checking without notice or XXXX ( fraud ) then transferred to XXXX XXXX account instantly one for {$450.00} one for {$900.00} then two {$500.00} giftcards were bought from XXXX on XXXX Card through her checking ( fraud ) and also small XXXX charge and Id me charge they refused to return the two {$500.00} XXXX XXXX charges which are clearly fraud. Then the person who clearly had her checks stolen reported fraud on her checks leaving XXXX account now in the negative. Wells Fargo has done nothing to help. Or care.
Product: Credit reporting or other personal consumer reports

Your company is in violation of the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) EXCLUSIONS, the term consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report, subject to section 1681s3 of this title.

The law clearly states that transactions between the consumer ( myself ) and the reporting entity ( your company ) are not to be included in consumer reports. A late payment constitutes a transaction history, and reporting it on my consumer report is a direct violation of FCRA 15 U.S.C. 1681a ( 2 ) ( A ) ( i ).
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. They informed me that recovering these lost funds was impossible, and that tracking them was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the systems, leaving us vulnerable to scammers. This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and wife had  XXXX  Federal Liens on our credit report. The IRS withdrew them on  XXXX / XXXX / 17  and  XXXX / XXXX / 17  and filed notices of withdrawal of filed  Federal Tax Liens in th e  correct county. We  disputed with Equifax the tax liens and sent copies to have them deleted since they were withdrawn. The first time they " verified '' them both and then on reinvestigation corrected only  XXXX  and still reported the  XXXX / XXXX /   17  tax lien as " verified '' again. We have done this process twice once for myself and once for my wife with the same results. Equifax used a third party vendor for their information,  XXXX . Equifax is ignoring our  Lien Withdrawal.    Since our state is included in the  XXXX   XXXX   XXXX  settlement and  Federal Tax Liens a re to be deleted we find this conduct very irregular.
Product: Credit card or prepaid card

In XXXX, I was billed {$1200.00} for a XXXX that arrived damaged & then denied servicing by the merchant. Discover was not " actively monitoring '' and could have easily found that the merchant abused my card. They even admitted they sold me a defective unit & went on further to deny repair to the bike. They continue to " stand behind their decisions ''
Product: Credit card or prepaid card

Dear XXXX  This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

ADDRESS XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Inquiry - XXXX XXXX XXXXXX/XX/2022 I also have never worked at XXXX XXXX XXXX XXXX XXXX XXXX Nor have I worked at XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX. 

I HAVE BEEN TRYING TO DELETE THESE ADDRESSES AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN EYE ON MY CREDIT.

By law part of my Compensation approves, Four yea
rs of specially negotiated, three-bureau credit monitoring and identity protection services through XXXX and an additional six years of one-bureau credit monitoring and identity protection services through Equifax XXXX The XXXX monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by Equifax and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, XXXX 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 tal timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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, credit repair services, or other personal consumer reports

The dates XXXX XXXX. Spoke to and sent letter requesting removal of incorrect information. 


I am writing to clarify an issue with my credit report. During the COVID-19 pandemic, my mortgage with XXXXXXXX XXXX was placed in forbearance due to financial hardship. Later, my mortgage was transferred to XXXX XXXX XXXX, and it has remained in forbearance with XXXX. 

I understand that during the forbearance period, my mortgage servicer is required by law to report my account as current to the credit bureaus, even if payments are temporarily suspended or reduced. Therefore, any late payments or delinquencies should not have been reported to creditors during this time. 

However, I have noticed that my credit report shows late payments from XXXX during the period of forbearance. This information is inaccurate and is negatively impacting my credit score. I would appreciate it if you could investigate this matter and make the necessary corrections to my credit report. 

Thank you for your attention to this matter. If you require any additional information or documentation, please let me know. 

Sincerely, XXXX XXXX
Product: Bank account or service

I am writing to complain about Wells Fargo checking account services and have decided to close my checking account ( no joking ), because Wells Fargo is the worst bank I have ever seen in providing checking account services. 

On XX/XX/2017, I received a call from a so-called Wells Fargo banker via a mobile number XXXX, XXXX, OR. He said that he wanted to verify some personal information with me. Being in public and without me further questioning his real identity, I declined his request and wanted to schedule another time for talking on phone. However, he said that he could not even call me even if he was on the phone at that time. I think this is really ridiculous and finally we agreed that I would call him another time with his numbers. 

On XX/XX/2017, I tried to use the debit card on XXXX to send money to my friends.The transaction was unsuccessful and the instant email from Wells Fargo said that my account had been closed and delivery preferences had also been updated to the mail one. This really makes me angry because being unable to verify personal information due to inconveniences leads to account closure on the following day. I understand that a bank is not a service institution but Wells Fargo 's action is really annoying and unfriendly to its customers, which leads to my terminations on Wells Fargo 's debit card product. 

I also want to share another story. When I tried to open the Wells Fargo checking account on line, I used my XXXX credit card to fund the account for {$50.00}. The payment authorization was made in late XX/XX/XXXX. The funny thing was that the money was debited in mid XX/XX/XXXX. Being unable to verify the source of the charge with my card issuer XXXX, I reported this transaction as fraud and my Wells Fargo checking account was closed, or suspended more specifically. To solve this problem, I went to a Wells Fargo branch in XXXX, CA to verify everything, including original and hard copy of SSN card and Driver 's License, and was informed that my account online access would be restored in a moment. However, it was another funny thing that after 3-business-day wait I still could not access my account online and had to call in to get problem solved. I firmly believe it is so much hassle to deal with Wells Fargo. 

In order to avoid further hassles with Wells Fargo, I firmly request that my Wells Fargo checking account should be closed and the money on the account, around {$49.00}, should be mailed to me by a check. Like Wells Fargo can change my account delivery preference at its sole discretion, I also want to limit how Wells Fargo should reach me. I wo n't accept any calls from Wells Fargo even if I have filed the complain online with my phone number on file. Everything should be done in written format.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt of filing a CFPB complaint myself. The current status should not be showing late because I paid it on time. Credit Reporting Agencies lacks proper record keeping. The accounts are open nor tied up and when I requested records to prove theyre reporting are erroneously they have failed to provide me with any evidence.. Lets correct these immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureaus has not abrogated my rights by reporting false information, otherwise please help me correct these accounts immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Mortgage

I contacted Mortgage Lenders of America and was immediately put in contact with XXXX XXXX. He was very friendly and helped get all the paperwork set up after we found the house we wanted to buy. My main concern was the closing date. XXXX informed me that a XXXX XXXX, 2015 closing date was more than achievable. After I signed all the paperwork he required, he sent the loan to his company 's ( Mortgage Lenders of America ) in-house underwriting. This is where it all goes down hill. For XXXX weeks I have been proactive with my communication. XXXX continues to say that his hands are tied because he does not control the underwriting process, which I understand and believe. The problem is communication. We were supposed to close today, per my signed contract ( XXXX XXXX, 2015 ), and I have been informed that the closing will have to be pushed to XXXX XXXX, 2015. The only excuse for this was, " the underwriting department is behind ''. How is that in anyway acceptable? I have already scheduled the movers based on the closing date in the contract. They can not change my date because their next available is not until XXXX. I already contacted the cable company who is shutting off my cable and internet tomorrow based on the closing date in the contract ( I 'm currently an XXXX, so that is added stress ). I have forwarded my mail to the new address based on the closing date in the contract. I have had to push my start date for my new job out XXXX week, which means I am losing XXXX dollars because of this delay. Also, I now have to budget for a XXXX week stay in a hotel, on top of losing XXXX dollars from my new job. In an attempt to get more answers and possibly accelerate the process, I contacted a team lead/manager at Mortgage Lenders of America. I was placed in contact with XXXX XXXX. He reverberated the " underwriters are behind '' motto and stated that I should just be patient and make arrangements for a XXXX XXXX, 2015 closing, once again not offering a valid explanation, nor taking into account the major financial and emotional inconvenience placed on myself and my family. He gave me the phone number to his boss, the Director of Loan Origination, XXXX XXXX, and I asked my realtor to contact him. My realtor called the number we were provided and there was no answer. He did leave a message, but has not received a call back as of yet. There must be some type of accountability held and repercussions placed on companies that put families into these types of situations.
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 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 or prepaid card

Interest rate for Shell ( gasoline credit card ) through Citibank is 27.24 % and is therefore usurious, unlawful and unconscionable. I requested this date, XX/XX/2019 by phone ( XXXX ) with a Citibank representative to lower to rate, but was unjustifiably refused. Ttoal amount / new balance is {$2100.00}. Card is closed but I am paying down the amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2023 XXXX XXXX XXXX arbitrarily closed my checking, savings, and credit cards account. I had been a client of 20+ years. 

They did not provide me with an exact reason as to why, though this recent XXXX XXXX XXXX article is the citation I found myself in XXXX XXXX XXXX XXXX As a result of their actions I had to open new checking, savings, and credit card accounts at new banks. 

Also, and more importantly, due to their actions, my credit score has declined from a solid. XXXX  to around XXXX. 

It is now more expensive for me to acquire loans, credit cards, etc. 

I feel my credit score should be restored to its XXXX value.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX Account # XXXX XX/XX/XXXX ) ( XXXX XXXXXXXX Account Number # XXXX XX/XX/XXXX ) 15 U.S.C. 1681 Section 602 A states I have 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: Credit reporting or other personal consumer reports

I see that XXXX, XXXX, and Experian are reporting XXXXXXXX XXXX XXXX somewhat negatively on my consumer reports without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my reports even when it shouldn't have been to begin with considering I never gave permission or written consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, Experian, and XXXX are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Experian are not maintaining reasonable procedures.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau COMPLAINT : FCRA VIOLATIONS I have recently pulled a copy of my consumer credit report. I have disputed this account/creditor XXXX XXXX with XXXX, Experian and XXXX for several years and they failed/refused to remove this account from my consumer credit report. XXXX, Experian and XXXX consistent delinquency reporting of this unverifiable fraudulent/inaccurate account has/is causing loan denials ( personal and business ), car loan denial, credit card denials, credit increase denials, high interest rates, application denials that has wreaked havoc in my life. Under the FCRA credit bureaus are prohibited from reporting fraudulent or inaccurate information on consumer credit reports. Consumers have the right to dispute any inaccurate information on their credit reports, and CRAs are required to investigate these disputes within a reasonable period. If the information is found to be inaccurate, the CRA must correct or delete it. Credit bureaus that violate the FCRA by reporting fraudulent or incorrect information, consumers have the right to take legal action against them. I have attached documentation IN THE STATE COURT OF XXXX XXXX GA, Civil Action NO XXXX. 

Also, I have filed a previous complaint with the CFPB concerning incorrect addresses that should NOT be on or attached to my consumer credit report and again they refuse to correct and update. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX is the ONLY address that should be listed on my consumer report. Your assistance in this matter is appreciated.