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

I attempted to cancel an EFT from my other linked account to this account. They not only refused to cancel the EFT, but now are keeping the dollar transferred into the account, in order to close this account. So, they caused me to overdraft another account, and now keeping the money transferred because I requested to close the account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution 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: Debt collection

I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On    XXXX   XXXX   XXXX      this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Assertive Dispute of Unauthorized and Unverifiable Account on Consumer Report To Equifax, XXXX & XXXX, I am writing to dispute a blatant violationan unauthorized and unverifiable account XXXX XXXXXXXX XXXX that has glaringly appeared on my consumer reports with Equifax, XXXX, and XXXX. The presence of this item unequivocally tarnishes my creditworthiness and unequivocally constitutes a breach of my privacy. I assert, unequivocally, that this unauthorized account is a blatant form of identity fraud, even in the event of a permissible purpose, for which I categorically have not given consent. 

The reporting of this account is a violation under federal law, explicitly governed by the Fair Credit Reporting Act ( FCRA ). Sections 611 ( a ) and 611 ( b ) of the FCRA unambiguously outline the procedures for reinvestigation of disputed information and the prompt notification of disputed information to furnishers of information, respectively. The Fair and Accurate Credit Transactions Act ( FACTA ), Section 312, leaves no room for ambiguity, establishing the unwavering responsibilities of furnishers of information to consumer reporting agencies. 

I assert, without a shadow of doubt, that this item must be thoroughly investigated and promptly removed from my consumer reports, as it unequivocally violates both federal laws. I emphasize, without hesitation, that I did not provide consent for this item to be included in my consumer profile, and I categorically assert my right to have it deleted. 

This account outright violates North Carolina law, specifically the North Carolina Identity Theft Protection Act under Chapter 75, Article 2A, encompassing provisions from N.C. Gen. Stat. 75-60 to 75-68. 

I demand that Equifax, XXXX, and XXXX, along with XXXX XXXX XXXX XXXX take immediate and unwavering action to delete this item within 30 days from the receipt of this dispute. Any failure to comply within this stipulated timeframe will be considered willful noncompliancean offense for which XXXX, Equifax, XXXX, and XXXX XXXX XXXX can and will be held civilly liable. 

I expect nothing less than a swift and assertive written confirmation of the resolution once the unauthorized and unverifiable item has been removed. 


Thank you for your immediate attention to this matter. 

Done in good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial is reporting an inaccurate late on my credit report
Product: Mortgage

My father XXXX XXXX on XX/XX/XXXX, I as one of the heirs contacted Financial Freedom, CIT Bank, N.A. to notify the company of his passing and also requested to purchase the property back within the 30 day timeframe requirement. I was told that they would not even have an appraisal of the property or grant an extension until we were able to provide a notice of intent and proof of funds, and an offer letter or the home would foreclose. At that time I was advised that if the offer letter was not enough to satisfy the loan that an appraisal of the property would be done and we would be quoted an amount to satisfy the loan, ( which should be 95 % of the appraised value not the current loan amount ). On XX/XX/XXXX I faxed all the requested documents and waited for a response. We then received a letter requesting our intent with the property and additional information, this was faxed XX/XX/XXXX. I called XX/XX/XXXX to confirm receipt of the information and was told that we were declined for an extension and that we needed to list the property for sale or the home will soon foreclose. I advised that we need them to have the home appraised so we can get the amount needed to purchase the property, they refused to do an appraisal of the property so I advised that we have no way of listing or purchasing the property until we are quoted an amount. On XX/XX/XXXX I have sent a letter requesting in writing what the options are for the heirs, an extension of the loan, an appraisal with the amount due to satisfy the loan. We are close to the 90 days for foreclosure and we have sent everything requested, without an appraisal or an extension the property will soon foreclose.
Product: Mortgage

I purchased a home in XXXX for {$360000.00} and believe I might be the victim of a predatory loan. The loan term was set up to be " interest only '', so making the monthly payments was not an issue in the beginning. I planned on selling the home when the value of the property increased, however, that never happened and the property value dropped significantly ; I became " underwater '' in my mortgage. 

I became XXXX a few years ago and my loan switched to non-interest only my house payment nearly quadrupled. PHH Mortgage was in no way willing to help me avoid foreclosure when I started falling behind on my payments. After much frustration I was able to get assistance from a government approved mortgage counselor in order to stay in my home and make the payments for a year. 

Unfortunately the assistance in which I was receiving from the mortgage counseling service has ended leaving me to fend for myself with PHH Mortgage. I've tried repeatedly to talk with someone at PHH Mortgage about a loan modification and they refuse to call me back or give me any type of assistance as a customer. I've called them no less than 15 times from XX/XX/XXXX - XX/XX/XXXX. They either put me on hold for hours until I finally give up or when I was able to speak with a person was told they could not help me and that someone else would call me back which they never once have done. 

I'm in a dire situation and PHH Mortgage refuses to help. I'm desperate to get my loan modified so I can remain in my home and not become XXXX. I can not pay the unreasonable amount that PHH Mortgage expects due to their predatory lending practices, total disregard/lack of customer service, and my current circumstances. The bottom-line is that PHH Mortgage could care less how financially ruined a customer becomes due to their ignorance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX has 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 furnish a account without my written instructions
Product: Debt collection

This debt was from XXXX XXXX XXXX XXXX, which occurred during the peak of covid 19 XX/XX/2021. Due to the pandemic, I was hit with financial hardship due to unemployment and was not able to pay my energy bill in the amount of {$1400.00}. It has had a long-term effect to this day affecting me from doing the necessities like getting a car loan for a car or applying for a place to live.
Product: Checking or savings account

After observing fraudulent charges to my Bank of America checking account, I promptly called Bank of America to report this on XX/XX/XXXX. The total of fraudlulent charges were {$340.00}. I was referred to Bank of America Claims/Disputes Department at XXXX which I called immediately and reported the aforementioned details. A Bank of America representative informed me that they would investigate the charges, a investigator would be contacting me via mail, and the claim would be processed within 30-60 days. Since XX/XX/XXXX I have made numerous calls to the Bank of America Disputes Department to check on the status of my refund. With each call I was continually told that an investigator would be calling or sending me a letter on the status. I never received a phone call or letter on the status of my claim from a Bank of America investigator. Fraudulent electronic charges were withdrawn from my checking account with Bank of America in XXXX, Texas between XX/XX/XXXX thru XX/XX/XXXX. I did not make any of these online charges nor authorize someone to act on my own behalf. The totality of the fraudulent and dubious charges in the amount of {$340.00} to my account came from XXXX XXXX, XXXX, XXXX, and XXXX. These types of online transactions to my account clearly should have alerted as Red Flag indicators to Bank of America. As my bank spending reveals, I have never had any history of making any online purchases or international purchases with bank accounts. I have made several requests both verbally and in writing that these unauthorized and fraudulent withdraws from my account in the amount of {$340.00} be refunded. Additionally, I filed a police report regarding these fraudulent withdraws from my account with the XXXX County Sheriffs Office in XXXX, Texas. 
Today, XX/XX/XXXX, I received a " blanket '' letter that Bank of America is denying the fraud claim. The Bank of America letter had no assigned name of the sender. I have not been provided the name of the investigator who processed this claim. Too, I called Bank of America to request a copy of the investigator/claims report for this denied this claim and I was denied my legal right to that documentation. 
Again, these unauthorized online withdraws to my account from these foreign entities were not authoirzed by me and I am requesting a full refund of all highlighted fraudulent charges totaling {$340.00}. 
Bank of America was grossly neglegent and void of implementing standard security alerts to my account and Bank of America undoubtedly failed to investigate with dilegence to justly resolve this claim.
Product: Credit card or prepaid card

Synchrony bank XXXX Furniture store Account opened on XX/XX/XXXX by merchant without providing full disclosure of terms and conditions Gave misleading information about furniture financing Order was canceled Calling bank since XX/XX/XXXX to report the account Filed a dispute on XX/XX/XXXX Bank replied- pls work with your merchant for a solution Merchant submitted forged documents refused to give a refund
Product: Mortgage

I am reaching out for clarity to how I ended up in a hardship financial situation after completing a XXXX bankruptcy term. I applied for XXXX XXXX bankruptcy on XX/XX/XXXX with XXXXXXXX XXXX XXXX in which all debts listed in this transaction would be cleared at the completion of the term. After the end of this 5-year period I was told on three different occasions that I stilled owed approximately {$20000.00} to my mortgage company. The first statement was for {$19000.00}, the second was for {$15000.00}, and the final document stated that I owed {$17000.00}, of which I notified XXXX XXXX XXXX, my bankruptcy attorney. At this point, I am not sure what is due because the terms of my bankruptcy agreement should have had all balances paid in full upon completion. What appears to be the problem is the discrepancy between XXXX XXXX XXXX and XXXXXXXX XXXX. Somewhere during the 5-year span, payments were not correctly sent to my mortgage company. I am unclear how I owe taxes and homeowner 's insurance, since they both were included in the original agreement of my mortgage loan payment. I am seriously trying to understand how I came out owing more to my mortgage company, at the end of this bankruptcy agreement than I did going into the agreement. I do not wish to lose my home of 35 years to a technicality in which payments were not allocated properly. I made the payments instructed for me to pay and now my home is facing foreclosure. I have been told that I need to vacate the premises 20 days from XX/XX/XXXX, which would fall on XX/XX/XXXX. I need your assistance in this matter, as the window for me being asked to leave my home is rapidly closing.
Product: Debt collection

XXXX XXXX has been sending letters about a debt that I do not owe them. They have not substantiated this debt but yet continued to report this on my credit report. I have written letter after letter to them with a request to validate this debt with them, documentation that I signed any agreement with them, or that I have done any business with this company. 
I have never done business with XXXX XXXX before this. They have not shown how they calculated this debt. 
This debt was removed from my report and after approximately 30-40 days was readded again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX has 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 furnish a account without my written instructions
Product: Mortgage

My bank HSBC has raised my fixed monthly mortgage payments over XXXX per month again without explanation. Fixed mortgage.Only thing I could get out of the many many phone reps i spoke to is my taxes and hazard insurance has gone up that much. NOT true-Increases amount to a few XXXX per anum total. I sent them ins & tax copies as I received from my brokers.HSBC left New York and I can no longer communicate face to face.When I paid the amount I had been paying every month they sent me a threatening collection letter demanding what they claimed I must pay.I filed same complaint vs. HSBC about a year or two ago and bank was forced to change my monthly billing back to correct amount. It 's extortion, I 'm a XXXX by the way but am helpless here.
Product: Credit card or prepaid card

Hello, Ordered glasses from XXXX Order # XXXX. They were not packaged properly and arrived broken. Photo attached. Filed a chargeback with Discover and won. 2 months later, Discover charges me again for the order saying the merchant challenged the chargeback. Discover wanted a tracking number for the return. During the complaint process, neither the merchant nor Discover mentioned returning the broken glasses, since theyre broken. The merchant never even sent a return label for them. So after I won the chargeback, I threw them away. Why would I keep around broken glasses? Where is proof of the merchant asking for the broken glasses back before I won the dispute? 

In a XXXX XXXX XXXX complaint against the merchant, the merchant said they approved the chargeback. I asked for a refund via check from the merchant since Discover isnt refunding me, and they said they could only refund via the method I paid which is with Discover. Both the merchant and Discover are giving me 2 different stories. The merchant says they approved the chargeback whereas Discover is saying they challenged it. 

Attached the XXXX XXXX XXXX complaint. The order number is there, and I have also attached the merchant receipt which also includes the order number. 
Thank you for your assistance.
Product: Checking or savings account

Dear CFPB, I am writing to file a complaint against USAA for their unacceptable and unethical practice of holding my deposits for an excessive amount of time before making my funds available. Despite being a loyal customer, I have repeatedly encountered undue delays in accessing my deposited funds. 

USAA justifies these delays by citing issues related to my " account status. '' However, I believe this is a fraudulent and abusive practice. I have maintained my account responsibly, and there is no valid reason for such prolonged holds on my deposits. This has caused significant financial inconvenience and stress. 

I urge the CFPB to investigate USAA 's policies and practices regarding deposit holds, and take appropriate action to ensure that customers are not subjected to unfair and unethical treatment. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I have an indigo credit card that was with genesis card services when I originally opened the account. However, since they have switched to Concora Credit I have been having issues with my card balance. Most recently it seems to have gotten worse. I made an {$80.00} payment XX/XX/XXXX. When I made the payment the balance was at {$290.00}. I called XX/XX/XXXX because the payment hadnt reflected to the account, I was told the payment takes XXXX business days to process and reflect to my account.. it has been over XXXX business days and the balance still has not reflected my payment. Now today XX/XX/XXXX I check my account to see if it had reflected and now the balance is somehow at {$350.00}. I have not used the card since XXXX there is no purchases from XXXX. I have called customer service multiple times and the only response I ever receive is I apologize for the inconvenience this is starting to affect my credit score as it has now been two months that the balance is over limit. It seems that there is fraudulent charges or the company is reporting incorrect balances.
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in co

mpliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. Tracking everything CC : FTC,
XXXX, CFPB XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I want your help me regarding these fraudulent accounts reporting in my credit report. See the documents that I'm attaching here in this complaint.
Product: Debt collection

The company has failed to verify or prove to me that this debt is mine and to even indicate I have ever allowed XXXX XXXXXXXX to open an account under my name with an address I've never been associated with before nor did I have any of these companies any written nor verbal authorization to open an account falsely under my name. I have not lived in XXXX for nearly a decade as I've been living in XXXX. Yet XXXX XXXX and this collection agency is falsely trying to collect a debt that isn't mine and was resulted from identity theft. It's the company responsibility to ensure that the account was opened under my authorization only and not without my knowledge or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  from XX/XX/XXXX-XX/XX/XXXX. Upon being XXXX I was informed that I was a victim of identity theft. In XX/XX/XXXX I filed a report and had the fraudulent accounts removed. Unfortunately their are still inaccurate items on my report I believe are due to identity theft and the thieves still having access to my identity. I would like these items removed immediately.
Product: Debt collection

XXXX XXXX XXXX report false information and ownership of account
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts XXXX # XXXX, XXXX # XXXX, XXXX # XXXX are not mine. I have made phone calls to the bureaus and listed companies to have them removed. I have been given the runaround and after some research I am here to get what is owed to me. No documents of any kind can show that I am responsible for listed accounts. No validation can be made unless validated by me can put the responsibility of listed accounts on me. There is obvious a mix up with another person claiming to be me and I will not clear up anything that I did not give authorization to have my name.