23daVinci/CFPB_Complaints huggingface dataset:
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 regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Paypal limited my account for 180 days now they are still blocking me from withdrawing my funds
Product: Credit reporting or other personal consumer reports

there are XXXX inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are JPMCB CARD SERVICES ( Bank ) 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 I never attempted to get these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A XXXX was filed, but I have not received my copy. 

XXXXXXXX XXXX XXXXXXXX shall remove this charge off from all consumer reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). This greatly affects me with my credit dealings because this makes it harder and time-consuming to transact, It goes without saying that I want this to be fixed.
Product: Debt collection

Third party collections agency Sequium Asset Solution has placed a {$110.00} collections account on my credit file for XXXX XXXX that does not belong to me. My spouse and I currently have XXXX XXXX service as our home internet provider and have had an existing account for years. I do not have any other residences and this account is fraud. I have no other agreements with XXXX XXXX and have never had an agreement with Sequium Asset Solution. They have no legal right to report or furnish data to my consumer report.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, in particular with the recent CFPB lawsuit highlighting issues with the platform. Despite using Zelle most of the time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPB findings indicate that Zelle was not only neglecting protecting their customers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is unacceptable and raises serious concerns about customer safety.
Product: Credit card

Hi my name is XXXX XXXX. I just open chase credit for one month.they close my account for no reason.now it affect my credit line. My chase account number is XXXX. Thank you XXXX XXXX
Product: Debt collection

My student loans are serviced by Mohela. I have contacted them multiple times requesting that they place my loans on forbearance while my new IDR plan is processed because the payment plan they had me on was incorrect. I have been told multiple times that the changes had been made and that the payments would not continue until forbearance was complete and my new payment plan was processed. However, these changes have still failed to be reflected on my account and I am still getting auto-debit reminders that they are going to try to charge my almost {$2000.00} erroneously. I am absolutely fed up with the lack of action at this point and do not know what else to do besides place stop payments on my account and file complaints. I have already filed complaints with the XXXX, XXXX, and now CFPB.
Product: Credit card or prepaid card

Hi there, First off, thank you for working hard to protect us, ordinary consumers from being bullied and manipulated by large banks and financial institutions. We truly appreciate all your work. 

I am filing a complaint against Barclay US bank going against their promises of their promotional ads of Barclay XXXX Card. I am a Barclay XXXX Credit Card holder for many years. My account is ending in XXXX. On XX/XX/2023, they emailed me a promotional email to earn 5X additional miles on all purchases through XX/XX/2023. I enrolled right away and spent over their required {$500.00} before the end of the promotion. I was expecting that they kept their promise of adding XXXX miles to my account 6-8 weeks after the end of the promotion, but until this day, they've never added anything. 

I reached out to them last week and they simply denied of such a promotion. They said they could not locate it. And when I sent their promotional email to them as the undeniable evidence, they said it was a systematic promotion. Isn't it a promotion a promotion by Barclay US, regardless of how it is generated or sent to the customers? They had baited the customers to use their cards to spend but then they simply ignored their promises to the customers. I am attaching their promotional email along with this message. 

Thanks so much in advance for your help. Your work is truly appreciated. 

XXXX XXXX
Product: Mortgage

1. ) Remitted payments to Bank of America every two weeks since the inception of the mortgage payment that equal an amount that is above and beyond the minimum amount due.

2. ) I have to call to request to the have the payment reapplied every month.

3. ) In XXXX, XXXX, XXXX and XXXX it took 20-23 days for the payment to reallocated. 
4. ) I remitted payments on XX/XX/21 {$900.00}, XX/XX/21 {$900.00} and requested they be reapplied to our minimum payment of {$1600.00} to satisfy the XXXX payment.. 
5. ) XXXX I received 4 phone calls in one day to let me know my account was past due.

6. ) After speaking to a competent supervisor, on XXXX I was advised that they made an error in requesting my payment be reapplied and only included 1 payment of {$900.00} 7. ) XXXX I received a call from XXXX ( supervisor for XXXX NC ) to let me know they are working on the matter. XXXXXXXX XXXX I receive another call from to advise that the account is past due ( XXXX XXXX. ) In total 6 phone calls in a two day period. 
There is sufficient funds to cover, interest, principal and escrow and yet I am being harassed. 
8. ) Bank of America collections agents believe that it legal to call someone up 4-6 times in one day. 
9. ) I have spent roughly 20 hours of my time trying to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I submitted an online dispute with XXXX regarding an account on my credit report that I was not familiar with name XXXX XXXX XXXX XXXX XXXX. account number XXXX... I requested a copy of the original agreement for this account which turned out to be a pay day loan of some sort. NO supporting documents were sent only an updated copy of my credit report. 

XX/XX/XXXX, I sent a certified letter to all 3 credits bureaus for them to check into this account and to have the company provide written proof that the account belonged to me and that I signed to have this unknown account opened. When the credit bureaus sent the report back I never received supporting documents that the account was mine and the information was never fixed on my report. In addition to the information not being updated/ verified XXXX reported and shows that this account was Placed for XXXX, XXXX shows the account was opened XX/XX/XXXX and Equifax shows the account opened in XX/XX/XXXX. 

The information that they have provided does not match. How can 1 Bureau report that the account was opened in XXXX and another one report that it was placed in collection in XXXX. The information is not valid and per the Section 611 of the FCRA, this is in complete violation of my rights that this account was not investigated and sufficient proof was provided. Section 611 states, " ... ..of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate ''
Product: Money transfer, virtual currency, or money service

Zelle, there have been transactions that have been sent to the wrong account and I was not able to get it back or it was sent in a scam. XXXX XXXX advised me that they could not do anything about it. This was prior to them adding the confirmation page.
Product: Debt collection

Racketeer Influenced and Corrupt Organizations Act all party ( XXXX ) mentioned are involved in such activities.
Product: Credit reporting or other personal consumer reports

I did not authorize this on 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

To whom this may concern. I am writing this matter on my own without any assistance of any third party. I shall now continue with my dispute. According to the Fair Credit Reporting Act, the following creditors are infringing on my federally protected consumer rights to secrecy and privacy under 15 usc 1681. XXXXXXXX XXXX XXXXare violating my rights, XXXX  Account # XXXX are violating my rights. My fourth amendment rights are being violated by the creditors and the credit reporting company Experian. My personal information should be safe and private within my paperwork, but it isn't because it's being shared with consumer reporting companies without my prior approval. My personal information is being disclosed to consumer reporting organizations without my express agreement, therefore neither my papers nor I are secure. My documents are not safe, which violates my fourth constitutional right. I also have a right to privacy, it 15 U.S Code 1681 section 602 A of the Fair Credit Reporting Act says. I feel like I'm being taken advantage of and that the mentioned creditors and credit reporting agencies are working together to harm me because my right to privacy has already been violated. I'm being treated unfairly and had my rights violated. A consumer reporting agency can not provide an account without my written instructions, and the mentioned creditors lacked the legal authorization to send my social security number to Experian, one of the credit reporting agencies. 15 U, S Code 1681 Section 604 A section 2 states that. Because I never authorized nor granted permission for what the aforementioned credit reporting companies are doing to me, they are guilty of aggravated identity theft and may go to jail. 15 US Code 1681c ( a ) ( 5 ) states very clear that no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. By law, none of the accounts I've specified above may appear in my consumer report. 15 US Code 1681s-2 ( A ) ( 1 ) states 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. Prior to filing this complaint, I informed each of the mentioned creditors that their information was in fact unreliable, erroneous, non verifiableand incomplete. Thank you for your attention to this matter ; I assure you will not discriminate. I demand that these accounts be deleted immediately, or I will file a lawsuit for the questions and emotional distress this matter is causing me.
Product: Bank account or service

I signed up with Bill Me Later. I linked a bank account to make payments on that account. When paypal brought out Bill Me Later I suddenly have a Paypal credit account. So my bank account remained linked now to my Paypal credit account. Paypal was always suppose to use my paypal credit for any charges. It went this way for a long time. Then suddenly last month Paypal used my linked bank account to make charges. I called them and informed them I never authorized my bank account to be used as a form of paying for items. It is only used to make payment to paypal credit. They said okay and now they have charged my bank once again and caused the account to overdraft. I have never linked an account to paypal only to Bill Me Later which turned into Paypal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Product: Debt collection

Company is consistently contacting me at my place of work and on my personal cell phone. Calls are several times each hour, every hour. I've spoken to a representative that my employer does not allow for such calls, but the calls have continued.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in TransUnion. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$9400.00}
Product: Credit reporting or other personal consumer reports

XXXX is not being compliant and they are not properly following the FCRA as stated by law.I filed a grievance on them back in XXXX I had filed the following grievance on XXXX which stated To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal. 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 The response I received for my above stated complaint was in quote In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Plz refer to the original complaint and response ) They did not state the outcome of the investigation and give a explanation on the outcome of the complaint they just gave an elusive statement. I am still in a Quandary to what action was/is taking to correct the information displayed on my credit report.
Product: Bank account or service

I 've had my checking account with b of a since 1999 & I 'M BEING CHARGED ERONEOUS FEESThe bank talked me into adding my husband so we could have a " tiered '' account and never be charged a fee, that was 4 years ago. 
We added husband. Every 6 months the bank drops my husband and we are charged eroneously the {$25.00} service fee. Every 6 months I have to call and complain, takes about XXXX - XXXX hours by the time I hold for the XXXX representatvie, then I 'm transferred ... again and again and again. It 's like they trick you into signing up for a special account then they switch it so you are charged. The last time this happened Bank of America advised me that their risk system is set up this way, to auto drop the tiered accounts and that there is no way to stop this from happening. I advised not the customer problem. You Bank of America need to fix this risk rule. Then in order to get my husband added back on, I have to get him conferenced in while they, Bank of America verify 's his information, they claim because it 's " maintenance '' being done on the account. I asked ... Is n't it maintenance to take him OFF the tiered account, that we DID NOT authorize, why is it ok for you to do maintenance on the account and take him off but now in order for us to avoid a fee suddenly you need authorization. Every six months we are charged {$25.00} for the bank, bank of america dropping us from the tiered plan. This is a joke, hoax and sounds illegal. They need to fix their " risk '' systems and stop stealing money from customers. 

The bank says it 's ok and they allow the bank to allow maintenance on the account to remove my husband from the tiered plan and charge us money ( no authorization needed to remove husbands from tiered acct so they can charge us ) But the then the bank says, they must have authorization, without authorization to add him back on tiered account that they removed him from, we will continue to be chargedThis is now the XXXX time this has happened. 
I have spent more than XXXX hours fixing this issue everytime the bank steals this service fee from our account
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( Account Name XXXX ) XXXX XXXX XXXX XXXX  ( Account Name XXXX ) XXXX XXXX XXXX ( Account Name XXXX ) XXXX XXXX XXXX XXXX ( Account Name XXXX )