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

Hi, There was two transacion y my chase account that was not authorized for me who ever use my account they was able to login to my account added a external account number in my name that was not my account and meke two transacion XX/XX/2021- {$50.00} XX/XX/2021 {$680.00} i called the bank to advided them that i didnt do this transaction after a week waiting for the resoluciton they send a letter that i did that transasion and they will take the money back from my account. I dont know how they did thier investigation never called me to get more information and they just want to closed the case.. and i really want furhter investigation in this becasue some one login to my account and did the transfer the money and now chande dont want to help more.. please need help. 
thank you.
Product: Debt collection

Thursday, XX/XX/2021, I, XXXX XXXX received mail from Exeter Finance stating that I owed {$550.00} and if I didn't remit payment to them that they would repossess my vehicle. According to 15 USC 1692b ( 2 ), there is no debt collector that has the right to state that a consumer owes any debt. According to 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ) and 15 USC 1692f ( 6A ), no debt collector has the right to threaten to take any legal action against a consumer and has no rights to seize any property. Exeter Finance is also in violation of 15 USC 1692e ( 2A ) for false, deceptive and misleading information. In 31 USC 3123, the U.S. Government. is pledged to pay, in legal tender, principal and interest on the obligation of the Government. The Articles of Confederation in Article 12 states that : " All bills of credit emitted, monies borrowed, and debts contracted by, or under the authority of Congress, before the assembling of the United States, in pursuance of the present confederation, shall be deemed as considered a charge against the United States, for payment and satisfaction whereof the said United States, and the public faith are hereby solemnly pledged. '' I have also been harrassed and abused by Exeter Finance stating that they would report any information to my credit report and seize my property which would ruin my reputation, due to our consumer reports being looked at as our reputation according to 15 USC 1681.
Product: Credit reporting

A collection account was added to my credit report in early XX/XX/XXXX. I believed the account to be inaccurate so I disputed the account with TransUnion. Subsequently, the account was deleted from my report in XX/XX/XXXX. In XX/XX/XXXX, the same collection account for the same balance was reinserted on my credit report with the notice to me, as required by law. Please investigate this account. The attached documents show the collection account ( XXXX Balance {$500.00} ) as currently listed on my credit report and as it was deleted in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) Insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed an inquiry that I did not authorize and does not fit A, B, C, or D above : - XX/XX/2020 XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a call from what I thought was my bank ( bank of America ). I was told there was fraudulent behavior so they called to verify. As the bank has done in the past, they told me they would send me a 6 digit code to verify and then was all set. Somehow I got locked out of my account for the following 3 weeks since there was some kind of website error/something the scammers did to my account. I went into the Bank of America XXXX to ask for help and was given a phone number to call since they couldnt figure out how to fix it. Once my account was unlocked, and I was able to see inside, I realized that 3 of the fraudulent XXXX  transfers went through, even though the two prior fraudulent XXXX  transfers were stopped. The three transfers total {$15000.00}. On XX/XX/XXXX I called the bank again to file a report. Over the next 3 months, I have been mishandled and misled by the bank, giving me no information and telling me that theyd be working to resolve the issue and find my funds. No one ever sent me updates. When I called, I would be sent to various departments and given different information each time. I filed a police report with my local police in XX/XX/XXXX. After not hearing anything, I went into the bank on XX/XX/XXXX to speak to someone, they connected me to the fraud department and told me they would not be able to recover the funds that the scammer sent himself through XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters.

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security.

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has XXXX XXXX name on my credit report and this is a fraud. Please take this name off.
Product: Debt collection

Capital One, XXXX XXXX XXXX, XXXX, Utah has been ATTACKING my Credit Report with repeated HARD Inquiries of at least once ( sometimes twice ) per month! My account with them was CLOSED on XX/XX/2020, but the attacks have been happening continuously ( without fail ) from XXXX 2020 until present, well after the account was closed! After speaking to no less than four ( 4 ) customer service reps, nobody at Capital One or its debt collection agency ( " XXXX XXXX '' ) had/has the capability to stop the AUTOMATED hard inquiries! This has created irreparable harm to my Credit Score and must be stopped immediately. Please intervene on my behalf to serve a Cease & Desist notice on Capital One asap. Thank you very much!
Product: Debt collection

They call 4-10 times a day and now they are calling me at my place of work even though they have been told not to on XX/XX/2019.
Product: Credit reporting or other personal consumer reports

Title 18 U.S. Code 1342- Fictitious name or address imposes a penalty where one " shall be fined under this title or imprisoned not more than five years, or both. '' The following names are a violation of Title 18 U.S. Code 1342 and I demand their immediate removal from my Consumer Report and Consumer File 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 ONLY MAILABLE ADDRESS AND ACCURATE IS ADDRESS IS AS FOLLOWS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!! 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in metro 2 software to the other agency to come back verified is not the proper way in law to do.

The accounts and the addresses are not mines i never lived at XXXX XXXX XXXX XXXX ga XXXX and my name is not XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account unprotected and vulnerable. Additionally, its dispute resolution process was both unfair and deceptive, failing to comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These violations have resulted in significant financial loss and inconvenience. I respectfully request appropriate redress for these breaches and for Cash App to be held accountable for its noncompliance with federal law.
Product: Mortgage

Mortgage Company is asking for more money in advance for escrow over the amount they are already paying to taxes and insurance and trying to increase my monthly payment with out any reason. 
Try to solve issue but company do not respond see some E mails : I received a letter requesting {$560.00} more to my escrow account according to a " analysis '' from your company or my monthly loan payments will be increase to {$1800.00}. 
Like to lets you know that this " analysis '' from your company is totally wrong. 

The reason is ; my actual escrow until my XXXX statement payment is {$690.00} plus 11 months from XXXX to XXXX will be XXXX x XXXX monthly escrow = {$4400.00} Payments from my escrow account are : Taxes {$3300.00} and home insurance {$1000.00} ( by the way your company overpaid this because the insurance is only {$1000.00} ) As you can see {$4400.00} - {$3300.00} - {$1000.00} = + {$99.00}. XXXX POSITIVE REMAINING ON MY SCROW ACCOUNT. WHY ARE YOU ASKING FOR {$560.00} MORE OR AN INCREASE ON MY MONTHLY LOAN IF I DO NOT SENT THIS AMMOUNT TO YOUR COMPANY? 
I send multiple E mails requesting a correct " ANALYSIS '' in my escrow account but do not received an answer yet. 
It is not reason and it is not legal, to send you money from my pocked to you, just for your company to hold this with out any reason. 

Good Morning, XXXX XXXX, I still waiting for somebody to call me in relation to the wrong Escrow Analysis to fix this mistake. You told me on XX/XX/XXXX that somebody will call me into the next 48 hours. 
Please let me know if you have a contact phone number with extension to fix this issue in my loan ASAP. 

Loan # XXXX COMPANY NAME : LOAN CARE www.loancareservicing.com Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX CUSTOMER : XXXX XXXX XXXX Loan # XXXX XXXX XXXX XXXX. 
XXXX, FL. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank of America continuously, illegally puts holds on perfectly good checks. 
On XX/XX/XXXX Bank of America put illegal holds on XXXX  tenant 's rent checks that were in a ATM deposit of {$45000.00} made on XX/XX/XXXX. EVERY CHECK IN THE DEPOSIT. They illegally deprived the account holder of their entitled money. I received from Bank of America XXXX emails, one for each check held, that stated the reason for the hold was, " A hold was placed on your check ( s ) because check specific information indicates item may be returned '', examples attached. There was nothing wrong with the checks. One check was mistakenly read by the ATM machine as {$3900.00} when it really was for {$2900.00}. The Bank of America customer service woman looked at each check and stated there should not have been a hold placed on them, and started the process to release the holds.

Even if one check has a problem it is unacceptable for the bank to put a hold on every check in the deposit. 
Bank of America did this, put a hold on all checks in the deposit when there was nothing wrong with them, twice before. All checks in the deposits of {$53000.00} on XX/XX/XXXX and {$46000.00} on XX/XX/XXXX were put on hold. They stated there was CHECK SPECFIC INFORMATION INDICATNG THAT THE ITEM MAY BE RETURNED. They are lying.

This is the third time Bank of America has illegally held our funds.

They must be stopped from doing this. And if they do it they must be penalized.
Product: Credit card or prepaid card

Applied for and approved for XXXX Preferred Business Card from American Express in 2018 with XXXX point sign up offer. Spent the required {$5000.00} in 3 months and did not receive XXXX points. Talked to rep. and found out was denied bonus. They opened an inquiry but the points are still missing. I would like it researched and points awarded for the following reasons : -Have only had XXXX or XXXX American Express cards in last 20 years. ( still have 2 of them ) -Have never had the American Express BUSINESS card before so the once per lifetime bonus rule in the fine print has been followed. 
-Never received a pop-up message while applying online or any mail / email indicating my bonus had been denied after the card was approved. 
-Spent over {$5000.00} in 3 months and met the minimum spend requirement to get the XXXX XXXX points. All of the spending is from real legitimate purchases. 
-Fully expected American Express would honor the bonus for sign up but did not. Never received any communication that I would not get the bonus or wouldn't have spent the {$5000.00} in that short amount of time. 
Thank you for checking into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX since XXXX as it does show mortgage reporting on my credit report for the last 5 years. After several attempts via phone received letter beginning of this year but nothing has been resolved. Applied with a loan modification with them and got declined as XXXX   does not show a credit score. Definitely this action of not reporting my mortgage that is current is even affecting my ability to obtain a mortgage loan with them. 
I contacted CFPB on XX/XX/XXXX on this matter putting a complaint with you and received a letter from XXXX XXXX that they will be responding by XX/XX/XXXX but still nothing has been resolved in them reporting my mortgage account with them on my 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my File because they have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if Experian chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX XXXXXXXX Late Date XX/XX/XXXX
Product: Checking or savings account

US Bank reversed a provisional credit on XX/XX/23 before I received my {$210.00} refund from XXXX. As basic as it gets. They admitted to that being backward but did not solve the problem. So now I am short that in my account and NO refund yet. This creates a financial hardship with bills to pay.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cashapp 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 those violations.
Product: Mortgage

Greetings, My lender has purposely been stalling with first false information and now things that affect my personal credit and Morgage stability. 

I needed time to get my finances in order due to covid issues so I took advantage of the covid relief program. My lender never stated it would require a loan refinancing. 

My current lender has been stalling with sending me the paperwork which unfortunately it goes through only one person. Only one person at the company seems to be capable in writing this paperwork. I have called numerous times without success of reaching someone AND getting anything done. 

I finally received the documents and had little understanding of how it should work and I began to sign before I realized it needed to be done before a notary. I have not been able to get in contact with my lender again directly for more papers as the clock is ticking away. Each time I call I must leave a voicemail or the customer service rep leaves one and I never get a call back or the message never gets sent off to resend these documents. This is beyond frustrating and negatively impacting my finances & credit stability. 

I was charged additional fees and interest that I do wish to be removed because of this aswell. 

I have provided proof of XXXX XXXX tax XXXX exemption for XXXX veterans and this company never clarified how that affects my Morgage payments or escrow directly. Its almost as if someone is tucking the extra payments away for themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that Experian is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information.

The reporting of the late payments are also not accurate!!!

these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

XXXX XXXX
Product: Debt collection

XXXX year old medical debt that collection company XXXX  bought yet have another collection company walla walla collecting for them. Walla walla is difficult and unwilling to work work me or help at all. 

Have a judgement for this debt, walla walla filed garnishment against me over XXXX  years ago which I got them to drop because of lack of communication after not even knowing they were collecting for XXXX  as I hadn't been getting any correspondence for several years about debt after moving back to XXXX. Then suddenly they sent letter threatening legal action which I thought collection companies weren't allowed to do. I ignored it because I didn't even know they were collecting for XXXX as I wasn't informed all those years. They filed garnishment. Was dropped, didn't hear anything again for almost XXXX  years. XXXX  year mark on judgement was coming up, thought I wouldn't have to worry about it anymore. Then coincidentally before XXXX  year mark, I get paperwork via regular mail with judgement extension filed and granted and another garnishment shortly after. 

I contacted them via email, explained things and my situation about how I can not afford a garnishment being on a single income and supporting XXXX people/rent and that I would end up losing apt . Vice president responded telling me to call another person yet she is vice president. I deal with XXXX  and panicked trying to call. After consulting with online lawyer, I sent payment plan proposal and initial payment offer via certified mail and fax. Didn't hear anything until I emailed. After having to ask when I would hear back about my offer, was simply told " we won't stop garnishment ''. No offer back/offer to work something out, no sympathy no nothing at all. My message back asking why they were unwilling to work with me/help went un answered which was back in XXXX, XXXX emails sent to president of walla walla XXXX ( found his email online after quick search ) got no replies either from him and I know emails went through as they were not returned. So ignored as they were probably tired of hearing from me basically begging them to drop garnishment/help! 

Almost {$700.00} being taken a month from my hard earned money, already struggling and havent been able to pay bills/rent on time. Honestly not even worth being at my job anymore on my feet all day in and in pain to have so much of my money taken for a very old debt. Half amount owed is all interest and not even original debt. I was informed collection companies buy debt for very little usually so mostly are making profit when collecting. All over XXXX I had to have and still XXXX  years later trying to come after me. This is why sadly people now have to choose between getting medical care they need and probably ending up with a debt or skip getting care and suffer. Have received over {$1300.00} from garnishment.
Product: Debt collection

I have filed a dispute with FOCUS FINANCIAL SERVICES in regards to two incorrect items on my credit report enlisted a bill for {$100.00} and {$500.00}. Send out numerous letters and its even well over 30 days and I hadnt received any investigation results.