23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX has sent me to debt collector agency TrueAccord. I have never purchased any items in XXXX the jewelry. It says I owe {$2000.00}.
Product: Mortgage

To whom it may concern : I XXXX XXXX XXXX would like to respectfully request to submit a complaint on the companies listed below : Shellpoint - Current Company Name as of XXXX XX/XX/XXXX - Current Date XXXX XXXX XXXX  as of XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XXXX - Original Lender on XXXX XX/XX/XXXX - XXXX XX/XX/XXXX I have enclosed documents for your review of this complaint that I am submitting on XXXX XX/XX/XXXX. I have attempted to contact XXXX, A Division of Newrez and was left on hold for XXXX minutes. To get a better understand of my complaint, please review all documents. No monthly payments amount has been applied towards the principle amount of {$60000.00} XXXX XXXX with the exception of {$100.00} that I applied online on XXXX XXXX XXXX. The name of the company has changed several time within the last year and I have some concerns of fraud. Due to the lack of communication from the company and a XXXX XXXX XXXX rating of an F, that is my reason for submitting this complain. Any assistance that you can provide would be greatly appreciated. 


Respectfully XXXX XXXX XXXX XXXX XXXX  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 tak-timely and effective measures to prevent : 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 ( 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 ar address fraud on their platform, leaving m 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: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$2900.00}
Product: Checking or savings account

I have been banking with Citibank since XXXX. In this last week I have been charged {$64.00} in overdraft fee. I have called the bank because my account has never gone in the negatives. I have checked my account at XXXX XXXX and at XXXX XXXX when I wake up and I have not seen any negatives. I have made transfers between my accounts because I know there are some payments that will be coming through that day. Then the next day I see I have an overdraft fee. This happened twice the second time I called and spoke to an agent who assured me that I would not be charged anymore over draft fees. I made another transfer to bring my account to positive and the next day Im in the negatives because of another draft fee. According to the manager the agents do not have access to see the transactions been posted that day if they did. I would have been told how much money I needed to transfer that day. I was short {$9.00} and ended up paying {$64.00} because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquiry victim inquires from companies i never authorized on  XXXX  credit reports Experian,  XXXX ,  XXXX   XXXX .   Inaccurate information on my credit rep ort 1.   XXXX   XXXX   account late payment status,   XXXX   XXXX   reports as negative Due to do inaccuracy of this information i request you delete it from my file.
Product: Checking or savings account

I deposited a check totaling {$8000.00} into a PNC Checking Account on XX/XX/2023. The receipt that I have from the transaction has a " Business Date '' and " Calendar Date '' of " XX/XX/2023 '', implying that I would have immediate access to the funds. I attempted to use the funds yesterday ( XX/XX/2023 ), resulting in an overdraft. PNC shows a " ledger balance '' reflecting the {$8000.00}, but the " available balance '' does not. It has been this way for XXXX business days now, and I do not know why. 

The funds have disappeared from the source account- and I'm not allowed access to them in my PNC checking account. I am trying to find time to go to a physical PNC branch, but it requires taking time off of work. I really need these funds to pay bills and it should not be permissible for PNC to hold my money like this with no warning or explanation.
Product: Checking or savings account

On XX/XX/XXXX we mobile deposited a refund check from XXXX XXXX to wellsfargo for XXXX. 
We inadvertently mobile deposited the same check to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX returned the check as already cashed. Then on XX/XX/XXXX wellsfargo removed the amount from our account. The check shows cleared by wells fargo from the issuer XXXX XXXX. The money was not returned to the XXXX XXXX and the only response from wells fargo after numerous calls and two claims is they did the right thing by removing the money from our account and accused us of committing fraud. We are unable to get an answer as to what they did with the removed money and did not return the check to the issuer. The only response we get from them is that the check was cashed at another bank. which it was not it was returned as already cashed. They refused to trace the check. The issuer still shows it clearing wells fargo.
Product: Credit card or prepaid card

Opened a new credit card account through a promotional deal at XXXX XXXX using Synchrony Bank The deal was for a no interest purchase if spending over {$2500.00}, which I did, for two years. The statement I received said the same statement that payment would not be due for 2 years. 
I received a call on XX/XX/2020 that said there was a late fee charged to my account for not paying the statement, though the entire point of the account is that no payment is needed until two years from purchase date.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I will keep on REWRITING to complaint to TRANSUNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified since my request is not taken into serious consideration. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and my name is XXXX XXXX. My birthdate is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing. It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has taken legal action against TRANSUNION due to systemic failures in conducting proper investigations of consumer disputes and for reporting inaccurate credit information. The CFPB sued your agency for failing to address credit report errors and not conducting adequate investigations in response to consumer disputes.. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, including the CFPB and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, Transunion, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX XXXX # XXXX Open Date XX/XX/2021 ( Months Showing Late XX/XX/2021 & & XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX XXXX XXXXXXXX XXXX. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXX XXXX. The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. 

Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. 

I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. 

The items I cite as being violations of the FCRA are -posting the high balance ( 813.42 ), which is higher than the collections representative had me pay ( 81.34 ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported.

Furthermore, there are 0 sections in the FCRA that prohibit deletion.

I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate the multiple Bankruptcy that are listed on my Public records as this information has been updated and all XXXX XXXX Bankruptcies has been removed from my XXXX XXXX report dated XX/XX/ case number : XXXX. There is only a XXXX XXXX that is reporting which is also back in dispute with XXXX as of XX/XX/. However, they stated everything was completed and accurate. But how is that possible if the Courts don't report anything to any credit report agencies, and their source XXXX has remove the information from my report. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ). and the information must be deleted immediately.

I have evidence to prove my case.
Product: Mortgage

I submitted a dispute on XXXX/XXXX/XXXX and I have n't seen any movement Case number : XXXX Submitted XXXX/XXXX/XXXX Company responded XXXX/XXXX/XXXX Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX The statement SLS made that " On XXXX XXXX, XXXX a phone call was placed and a message left for you by SLS, advising you that you needed to pay the difference of the payments from KYHC and the funds due, or the funds would be returned to the state '' is false. You and I both know the Fair Debt Collection Practices Act which prohibits any detailed information as such to be left on an answering machine. It was n't until my daughter called XX/XX/XXXX was when these funds were located, I than called that day or the day after to make the necessary payment and was denied. Where are these funds? As mentioned before Keep Your Home California has no trace of these funds. Please review all mine and my daughters recorded conversations with SLS and you will find that your company was trying to locate these funds for months. XX/XX/XXXX. I sent a written letter questioning my balance and asking where the remainder of the funds are. Your investigation in this matter is lackluster and does n't address either issue of the payment of the for XX/XX/XXXX or the missing funds and gives no direction, and did not include any steps your company has taken to find these funds or any solutions.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding account XXXX XXXX on my credit report that is reporting inaccurate information. The payment history for these accounts is entirely incorrect, with your company claiming that this account was charged off in XXXX when in fact my payments were deferred due to covid. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the CARES Act. There are different open dates being reported, as well as the date last active which is very crucial and looks as if it has been re-aged. I previously notified you that I would be seeking relief and monetary compensation under FCRA 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ). Your response stating that XXXX had filed for protection under XXXX XXXX of the U.S. Bankruptcy Code in the XXXX XXXX XXXX XXXX does not address my concerns about the inaccurate reporting. Your response did not confirm or deny the incorrect information. This lack of resolution is unacceptable. XXXX has already deleted this account. I am requesting that you remove this information immediately from my credit report. Failure to do so will result in further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX loan has been fraudulently opened with my information through another company called XXXX XXXX. I contacted XXXX XXXX   and they closed the account but XXXX  XXXX remains in all of my credit reports as a negative item. XXXX  XXXX has received my police report and other personal identifying information needed. However, XXXX XXXX remains on all three credit reports. I want the negative item removed because it is not mine and fraudulent
Product: Checking or savings account

In the middle of XXXX ( XXXX ) my husband and I deposited two checks from XXXX from one of our XXXX to help with XXXX XXXX/few other expenadures. B of A put a hold on them and said wed get x amount in 3 days and then the difference something like 8 days later. It was around XXXX. Thats all fine and dandy, figured that was going to happen. However, on the day before we were set of get the first deposit, I tried to log into my account and couldnt on my XXXX. My card also got declined. Embarrassed, I tried to log into my app but it would it wouldnt let me either. After trying multiple times, resetting the password, and going to the ATM to withdraw money- I went into the bank for help. They pulled me aside and put me on the phone with the fraud department. The fraud department said they had closed our joint account as well as my personal checking. I was flabbergasted. They refused to tell me why and said it was at B Of As discretion and in our terms. Fast forward, were 86 days into this. B of A admits the checks had cleared from XXXX but theyre still processing the closure. They cant return our money until the account had been closed. We asked for a review three separate time, even asked for a hardship review. All denied. One of the supervisors let it slip a few days ago that B of A thought the checks were fraudulent. One of them suggested my husband go to XXXX and get proof ( out side of the fact that the checks cleared XXXX and they havent pulled them back yet ) XXXX said no, as XXXX cut the check and we werent customers. Called back B of A they now claim theyll call XXXX. We even offered to show them the emails from XXXX  verifying the amount, etc. They declined that. Weve been calling almost every day and B of A keeps pushing out the closure date, and telling us theyre entitled to reasonable amount of time to do so. It will be 3 months here in a few days. 
This has caused us a substantial amount of hardship.
Product: Credit card

recently sent letter to Synchrony Bank , XXXX XXXX, requesting evidence, bearing my signature, that the account was reported accurately. further they failed to place disputed on my credit reports within 30 days as required by FCRA 623 ( a ) and FDCPA 807 ( 8 ).
Product: Money transfer, virtual currency, or money service

I'm a Binance US customer and I have a crypto  wallet with them. I'm unable to access my account. I've contacted Binance customer service multiple times. I was asked to send them a video and voice recording for verification. I informed them that I do not feel comfortable sending a recorded digital image of myself for privacy reasons and asked if there was any other way to verify me without sending them a video and voice recording. The response was that they do not accept any other forms of verification and if I wanted my account to be unlocked only way was to send them a Video of me holding my ID along with me stating the following in the video : " My name is [ First and Last Name ], today is [ Today 's Date ] my e-mail is [ your email used for registration ] and I acknowledge that I registered for a Binance.US account and I will be the only person with access. I confirm that I am logging in from a supported state. ". I believe Binance US can not force people to send them recorded Images and there should be other options for verification. Binance US Customer Support Ticket # XXXX
Product: Mortgage

I first started working with him back in XXXX because he said that my husband and I would qualify for the XXXX program. This was a complete lie. XXXX knew that I was working with other lenders, so he sold us on the product that we never qualified for. He waited a week before we were going to close on the house to tell us that we did not qualify, and that we had to come in the double the amount at closing and go with a product at a higher interest rate. This is a bait and switch. Not only is this unethical it is illegal under the Unfair or Deceptive Act and Practices. XXXX XXXX also tried to have us lie on the loan documents for the XXXX program. After he realized that my husband and I made too much money her called me and told to send him additional names because my household size needed to be bigger.Another issue I had with XXXX was in regards to the appraisal
Product: Credit reporting, credit repair services, or other personal consumer reports

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are inquiries, alleged collections, and char offs accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 

XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX XXXX. XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XX/XX/XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX CARD - XX/XX/XXXX XXXX  XXXX NA - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I tried to reapply for Income Driven loan repayment program, but keep being given false information and have had my interest rates rise over the last five years to unpayable amounts. The company is asking that I make payments of {$1300.00} USD per month even though I only make between {$45000.00} next after taxes each year. My original loan provider was also XXXX XXXX and Navient does not even have all of my information about my previous loans. My current loan balance is over {$130000.00} and has not been chipped down at all, even though I made over {$10000.00} in payments for the XX/XX/XXXX annual year. On Monday, XX/XX/XXXX, I made a call to complain about repayment terms not reflecting the income driven repayment plan and was told that I had to reapply again through the federal website ; even though I had spoken with a manager at Navient in XX/XX/XXXX who said everything had been taken care of
Product: Debt collection

The law firmBROCK & SCOTT, PLLC has been harrassing me and my family about an alleged debt without and debt validation or verification. 

Per FDCPA rule : The attorney thus violated 15 U.S.C. 1692e ( 3 ) and ( 10 ) ,1. The law firm invaded the privacy of an individual by unreasonably intruding upon his seclusion by communication through the USPS via first class mail in relation to an alleged debt that did not owe to the law firm. 

2. The law firm and its agent 's acted in a false, deceptive, misleading and unfair manner by repeatedly communicating with me via USPS mail without validating and verifying the alleged debt. 
See attachment :
Product: Debt collection

Company XXXX XXXX XXXX is a fraudulent account reporting collections to my credit report for the amount of {$590.00} reported on XX/XX/22. This is due to identy theft. I have never signed a wet contractual contract or open an account with this company.