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

I am writing to formally lodge a complaint against Bank of America regarding the mishandling of {$500.00} that was withdrawn from my account on XX/XX/year>, at an ATM located at XXXX XXXX XXXX. Despite the transaction debiting my account, the ATM did not dispense the cash. 

Immediately after the incident, I followed the proper procedures by : XXXX. Calling your XXXX number to submit a claim. 
XXXX. Contacting the number ( XXXX ) listed on the ATM to report the issue, for which I have a reference number. 

I also have email receipts confirming the withdrawal, as well as records of my account balance before and after the transaction. The funds were debited from my account, but no reversal or credit has been issued. 

Additionally, I have two notification systems tied to my account that alert me to any account changes. To date, I have received no notification or evidence that the funds were credited back to my account. 

This situation has caused significant distress, as I was attempting to withdraw the funds to assist my mother, who recently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The money was intended for her mortgage payment, which is now late. As a loyal customer, I find this treatment unacceptable and unfair. 

I respectfully request that you : XXXX Review and resolve this matter immediately. 
XXXX Credit my account for the {$500.00} that was wrongfully debited. 
XXXX. Provide a clear explanation of why the funds have not been returned. 

If this issue is not resolved promptly, I will have no choice but to seek legal recourse to recover the funds and I will report it to XXXX. I have sufficient documentation to prove my case, including records of the withdrawal, balance changes, video footage from hospital cameras, and reports filed. 

I trust that you will address this matter swiftly and provide a resolution. Please contact me at your earliest convenience to confirm receipt of this complaint and provide an update on the status of my claim.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I log into my cash app account which I had {$62.00} XXXX and XXXX in bitcoin and had a notification that my account was closed for Fraudulent activities, gambling transactions, and participating in illegal activities. I tried support and was getting the same message, I reached via XXXX on XX/XX/XXXX asking for help and was sent this on XX/XX/XXXX Let 's look into this for you. To further assist with any questions related to your account, or take any account actions, we need to successfully verify the information below. For security purposes, please do not reply directly with this information. Please submit this information using the following link : https : XXXX All information submitted is encrypted and sent to our servers securely, regardless of whether you are using a public or private Wi-Fi or data connection Please note that the form is hosted by XXXX, a secure platform we use to respond to our customers via social media ( see https : XXXX ). All information submitted is encrypted and sent to our servers securely. 

Cash App uses this information for verification purposes only and will never share it. The form link is unique to each customer, and the information submitted will be erased from the form within 24 hours. After that, the link will no longer be valid. and was sent a link for host by sprinklr https : XXXX. I did see the link until the following day XX/XX/XXXX which it didnt work I then asked for another one they sent it Sure thing! Here you go : https : XXXX. This link is available for 24 hours, and we will be happy to send another one if you don't fill this one out in time. After filling out the form I received a message XX/XX/XXXX saying Thanks for filling out the from. After reviewing your case, it appears weve given as much information as we can. We dont have any specific violations to provide, so if you have any questions about the status of your account and the steps you can take, we suggest reviewing the messages that our team has sent for this information. Please review the terms and conditions
Product: Credit card

I was traveling abroad in XXXX in early XX/XX/2023. I attempted to purchase train tickets and the credit card company put a hold on my account for suspicious activity. I contacted the company when I returned home and they stated they were unable to reinstate my account over the phone because I only have a mobile phone and not a landline. they said they were mailing a letter with instructions to follow to unlock my account. I waited more than 10 days and never received the letter. I contacted the credit card company again and after a 20 minute phone call a very disrespectful customer service representative told me no supervisor would be available to assist me for 24 to 48 hours. She stated I needed to wait for the letter to come in the mail. At this point, it has been over a month, and I can not access my card, can not review my balance, and can not make a payment on my account. I am concerned that interest and late fees are accumulating, and I am unable to get assistance from the company to unlock my account. My account name as it appears on my credit card with city is XXXX XXXX XXXX
Product: Debt collection

The are trying to collect to from some guy that I do n't know. After repeated times I tell them I do n't know who it is they refuse to take me off their list.
Product: Mortgage

My father was sold a predatory reverse mortgage XX/XX/XXXX by a company that is now defunct because of fraud. He also at the time was diagnosed with XXXX at the time he was forced into signing this loan. XXXX XXXX XXXX is now trying to foreclose and take the property. That property was given to him by his mother who has had the property since the XX/XX/XXXX. The house and property were paid off before the loan. He had no need for the loan and did not know where the money went. He recently passed away and I have XXXX sisters to whom this property was supposed to go to when he passed. We need help.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I'd like to dispute inaccurate information on my credit report, including incorrect address and other variations of my details that are not accurate. The address in question is XXXX XXXX XXXX # XXXX XXXX, NJ XXXX. Additionally, name variations are incorrect and not associated with me, such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Incorrect Employer variation XXXX XXXX XXXX XXXX XXXX XXXX. These details are inaccurate and do not belong to me. I am requesting their immediate removal and for my credit report to be updated with only accurate and verified information. My name should be XXXX XXXX XXXX, my current address is XXXX XXXX XXXX XXXX, NJ XXXX, and my current employer is XXXXXXXX XXXX XXXX. Please fix these inaccuracies. Once these changes are made, I request written confirmation and an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing several violations of the Fair Credit Reporting Act ( FCRA ) that have occurred regarding my credit report. These violations include several failures by the credit reporting agencies and debt collectors to comply with the law, such as not verifying the accuracy of information, reporting false or outdated debts, and failing to provide me with necessary disclosures. Specifically, they violated several sections of the FCRA, including Section 616, which deals with civil liability for willful noncompliance, and Section 603 ( d ) ( 2 ) ( A ), which pertains to the disclosure of my personal information. 

Additionally, I am highlighting inaccurate late payment reports on my credit, as well as the failure to validate debts under Section 1692g, which mandates debt collectors to provide proof of an alleged debt before collection can continue. I have made specific requests for corrections, including the removal of inaccurate accounts, updated payment status, and validation of the debts listed. 

I have demanded that these issues be resolved promptly, with the expectation that any false reporting will be corrected or removed. If the parties involved do not take immediate action, I am prepared to pursue legal remedies available under the FCRA.
Product: Credit card

I pay transfer fee and balance transfer from Amex to XXXX bank. I can see balance transfer amount in XXXX XXXX  plus charging me balance transfer fee but Amex is still showing same amount on my balance. I contacted to XXXX and they told me they already paid Amex XXXX weeks ago and then i contacted Amex they told me oh bank error it will be okay in few days but now my monthly payment day is arriving now they will charge me interest. This is bank fraud if I am not going to spot they will keep like that we trust these financial institutions even they cought with such thing they dont care about consumer their rebust system allow to charge and never forget to charge interst and fees
Product: Credit reporting or other personal consumer reports

I reached out to these companies via phone call to dispute these hard inquiries that I did not verify the company would not remove them. They said they are not allowed to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Hello, I'm low income only making {$12000.00} annually and unable to pay monthly my mortgage. I need help! 
I can't find on your site help from Government free money. 

Please email me the link to apply an application to get free money. 
Here 's my email : XXXX Thank you for your support!
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the removal of a charge-off entry from my credit report. The charge-off in question is negatively impacting my credit score and financial standing. I have enclosed a copy of my credit report highlighting the charge-off entry for your reference. I understand the importance of accurate reporting on credit reports, and I believe that this charge-off entry is inaccurate. I request the following actions be taken : Immediate Removal of the Charge-Off Entry : Conduct a thorough investigation into the charge-off entry listed on my credit report and remove it promptly if found to be inaccurate or outdated. Enhanced Communication Channels : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the inaccuracies. Please acknowledge receipt of this letter and inform me of the steps being taken to address this inaccuracy. I am asking for your assisstance to remove othese accounts in my credit file : XXXX  XXXX Balance : {$250.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. XXXX XXXX Balance : {$8700.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Debt collection

I have sent the letter to XXXX and was informed that I don't owe any money. This company continues to send me a letter stating that I owe them money from 2011. I have never received any documents from paypal regarding owing a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi - This accounts is display 4 time on Trans Union and DPT ED/XXXX # XXXX and is DELTED/REMOVED OFF XXXX  and XXXX. Why is still displaying on Trans Union. Please removed ASAP as there was no investigation or the accounts would not be in exist.
Product: Credit card or prepaid card

I opened a JC Penney credit card in XX/XX/2023 and verified my current address and information on the pin pad while in the store and after a couple weeks I wondered why I never received it. When I called to make a payment on XXXX XXXX because I could not make a payment online due to not having my new card, I inquired as to what address my new credit card went to because I had not received it. I was told the address it went to was not the address that I had given them. It concerns me greatly because I had my social security number stolen and someone tried to open a bank account in my name at XXXX XXXX  XXXX recently. The agent at JC Penney did cancel the card that went to the wrong address, however I did address my concern on this matter but she didnt seem to be bothered by my concern which is also very concerning to me. I told her that I am going to make a complaint regarding this matter to CFPB.
Product: Credit reporting or other personal consumer reports

All negative marks and entries on all 3 of my credit reports and files have been involved in the credit breach of that of XXXX, XXXX and transunion. I request all negative items be removed as per fcra 605b within 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 complaints revolving around the same situation with 2 different Banks and my recent inquiries for a XXXX XXXX XXXX loan and line of credit or credit card. 
XXXX is bank of America who apparently just denied me small business funding without any legitimate reasoning along with reporting it to XXXX unlawfully along with the fact that they only report small business inquiries to XXXX which is legally documented. 

XXXX is XXXX XXXX XXXX XXXX, who I have a long term existing relationship with and accounts, who also just denied me small business loan and credit due to misinformation received that I sat down with the bank manager and associate about. 

Now I have good credit and credit history and the fact that I have started a XXXX XXXX XXXX in PA the start of this year XXXX and since pandemic and person or entity can apply and receive up to {$50000.00} in business funding with a newly approved XXXX and XXXX # as long as you have a XXXX or better credit score. So that 2 different financial companies and institutions that illegally or unlawfully denied me business funding. 
Which again Banks and credit unions are required by law to provide small business funding up to {$50000.00} with a XXXX XXXX XXXX verification which I have and provided. 
Your time and assistance with this XXXX XXXX is desperately needed and greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies n my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account in accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 168 I, 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax compiles with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I contacted Synchrony Financial on XX/XX/19 to send a duplicate card. This representative gathered unnecessary personal information under the guise of " verifying the account '' although it had already been verified. This information was not the standard verification and just partial information but entire requests for full address, SS #, card numbers, account specific information, DOB, and more. This bothered me at the time but I didn't think that this representative would fraudulently take action on my account that was not authorized. I logged into my mobile banking later that evening to be told to call at a XXXX #. When I called I was advised they had closed my account and all of my statements, promotions, and banking information was now gone. The balance remained so they would open a new account with my balance, without my permission or consent. This results in my credit age appearing lower than it should because it is averages the length of the accounts and this one now shows closed with a new account opened. The representatives were unable to undo what the representative had done and when I requested a supervisor in the complaint division I waited on hold for 20 minutes to reach a supervisor at XXXXXXXX XXXX on XX/XX/19 that advised that department closed at midnight ( XXXX XXXX ) and that there was nothing she could do to help me. When I told her this was unacceptable and that I was on hold for that length of time instead of being transferred properly in the first place she transferred me to the complaint divisions line anyways which resulted in me waiting for a live rep for another 23 minutes before the automated system then stated they were closed and ended the call. I spent hours attempting to get these people to understand that this is the 3rd time they have done this same thing on 3 out of our 11 open accounts with them, we have always maintained perfect payment history and had more credit than we have needed in the effort to improve our credit over time. This company is now single handedly damaging our credit and preventing us from moving past them to companies that value our business by reporting closed accounts, incorrect balances, and adverse actions that are not truthful. This was specifically on the CareCredit account. We additionally had a Synchrony Home card opened without permission that used to be a XXXX XXXX account that has also had adverse action on our credit as a result of this company choosing to violate our right to exercise control over our own credit. There have been nothing but problems with every single account and every time we contact the support division they make the situation worse. We only use the Synchrony Financial cards because the stores we frequented used that for the finance cards, had we known that prior to financing we would have used one of our other credit card companies instead. This will be the beginning to us closing the 11 accounts we have which total over 30k in available credit.