23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Bank account or service

In XX/XX/XXXX, my business was a victim of fraud at the hands of BofA. An unknown person contacted BofA and requested a change to my account. What BofA agreed to do, without my consent, was transfer all receipts from my merchant account to an unknown XXXX XXXX account. At the same time, the fraudster also gained access to my merchant ID and established an offsite terminal. Then, with XXXX stolen cc, they processed charges in excess of XXXX, which appeared to originate from my office, yet went directly into the XXXX XXXX account. I believe that this event was an inside job because my security practices are consistent ; filing cabinets are always locked, sensitive information is always shredded and I never share banking details. Further, there was no break-in at my office. After considerable frustration and many calls to BofA, they eventually restored my losses, in excess of XXXX US. Jump forward to XX/XX/XXXX and I receive a Chargeback letter from Merchant Services for {$6700.00} and the disputed transaction occurred on XX/XX/XXXX ( at the same time when the fraud began ). Unfortunately, the unidentified XXXX consumer reported this as an unknown charge, and of course, I do not know who the person is, where they live, nor do I have any accounting record or receipt of the {$6700.00}. Basically, BofA 's security and forensics failed and they are attempting to extort their losses from my business. The chargeback notice was received on the same day as the deadline to respond, which is also unethical and creates needless anxiety and frustration for me, a long-term customer of this bank. To add insult to injury, I have spent three days trying to reach the Fraud managers who helped me with this claim a year ago. They have not returned XXXX of my calls. I have left messages with XXXX XXXX ( XXXX ) and her supervisor, XXXX ( XXXX ). I 've also attempted to get resolution with my local branch and many XXXX numbers, being kicked like a can down the road 8 times with various people and departments. All claiming that I need to talk with someone else. I still do n't know who or what department to contact. I am not responsible for BofA 's failure to secure my business account. They hold the " keys '' and allegedly let a stranger fool them with my account. Had they simply called me or sent me an alert, like they do when I fill up for gasoline at a non-typical place, this could have been better controlled.
Product: Checking or savings account

XX/XX/23 XXXX Payment from Wells Fargo to XXXX XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX returned, XX/XX/23 XXXX payment Wells Fargo to XXXX returned XX/XX/23 XXXX payment returned from Wells Fargo to XXXX returned XX/XX/23 another XXXX payment from Wells Fargo to XXXX returned XX/XX/23 XXXX payment from Wells Fargo to XXXX returned all these payments were returned wen they payee had already received funds to pay these bills and they were paid and settled Wells Fargo allowed this customer to do a chargeback/return on all of my payments wen they had already rightfully been paid for months Wells Fargo has allowed there consumer to dispute all of these charges as if they were fraudulent but they werent resulting in all my funds being completely taken after given to there consumer to pay bills which they were paid Wells Fargo allowed them to return all the payments that can see have been paid for months and months this is not legal to allow someone to just dispute any random charge they have already been authorizing for months
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - this collection has been attached to my credit report for 7 years now and they refuse to remove it though its exhausted the timeframe of removal
Product: Mortgage

I obtained my Home Equity Investment loan through XXXX and RoundPoint Mortgage was the servicer of my loan. My title company sent the payoff amount to RoundPoint on XX/XX/XXXX and I never received any overage check for the escrow balance. I emailed RoundPoint and got the response that they sent the check to the wrong address. I called and updated my mailing address and since then I never received any response from RoundPoint period.
Product: Mortgage

XXXX moved my loan to PHH and the modification which was approved was taken away. Also the amount of the modification is unreasonable. 
There is no one to speak at this company and it is not fair
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This account does not belong to me and should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a letter from an unrecognized consumer reporting agency named Advanced Resolution Services notifying me of changes to information they provide about me to financial institutions. The letter goes on to say i can request a copy of these changes to their report but requests things like my social security number, copy of my drivers license or passport, and signature among other personally identifiable information. I did not contact this company. Tried to look them up but there is no information on the internet other than similar complaints/ issues
Product: Credit reporting or other personal consumer reports

XX/XX/2023 a letter was sent to equifax explaining that there had been some fraud on my account with someone applying for credit in my name. It has been over 30 days and i have yet to this issue resolved
Product: Payday loan, title loan, personal loan, or advance loan

I took the loan out to repair my roof. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had some issues and I can not effectively use my XXXX XXXX. I have been out of work since XXXXI begged net credit for a for a forbearance but they refused. I have been dipping into my retirement fund which is almost depleted just to pay rent and utilities etc. I make a payment when I can but net credit took out XXXX XXXX more than I had tried to pay resulting in a real hardship.
Product: Credit reporting or other personal consumer reports

please CFPB and FCRA help me with Experian. Experian will not properly investigate disputes. i have disputed many times and Experian comes back with in XXXX hrs. of me disputing inaccurate information of my credit report. Experian is Retaliating against me still. i have brought this issue up to Experian. now Experian will not answer me as to why they are violating my rights to dispute inaccurate information on my credit. Experian will not be answering the phone, Experian Blocked me from disputing inaccurate information on my credit report. Experian is not marking XXXX XXXX  and XXXX  and XXXX XXXX after i disputed I have contacted the fcra and IRS about Experian committing fraud and inaccurate reporting. I contacted a lawyer about filing sue on Experian for violation my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act 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: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my documents to all credit bureaus over the last 7 months and now I am filing a complaint because they are violating my rights as a consumer. In XX/XX/XXXX, I mailed certified letters and affidavits to each credit bureau and received confirmations via my tracking numbers. According to the Fair Credit Reporting Act 611, I have to give them 30 days. Due to the pandemic, I have given them extended time and mailing in another set of documents with tracking in XX/XX/XXXX. Then I had health issues and waited until XX/XX/XXXX before mailing in additional documents and so forth and now it is XX/XX/XXXX and still NOTHING! I have spent thousands of dollars of my time mailing in my own disputes, online credit monitoring memberships only to still be a victim. This is such a disappointment in our credit system that the bureaus will treat consumers like this, even with the pandemic going on, I expected some sort of system in place. I have a family to provide for and need a loan to help pay for our basic human necessities. I can not apply with the way my credit is and I am filing a complaint with the Consumer Financial Protection Bureau to help me with this. Here are the numerous tracking confirmations that I have sent : USPS Tracking : XXXX Delivered XX/XX/XXXX : USPS Tracking : XXXX Delivered XX/XX/XXXX USPS XXXX : XXXX Delivered XX/XX/XXXX Tracking : XXXX sent out to Experian XXXX, Delivered XX/XX/XXXX Tracking : XXXX Sent XXXX to XXXX, Delivered XX/XX/XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX XXXX  Tracking : XXXX XX/XX/XXXX XXXX  Tracking : XXXX
Product: Mortgage

My escrow has increased twice without explanation, and as far as I know my taxes and insurance have not changed. I have tried to contact LoanCare but their automated phone service does not give you the option to talk to a human, and they have not responded to the email I sent them. It is completely unacceptable to be charging me more without explanation, I have no way of knowing if the charges are legitimate, and no way to contact the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing three accounts that are not mine. I have filed fraud with them and out a fraud alert on my credit burea account. The three accounts that are fraud and not mine in my XXXX  account are : 1. XXXX XXXX $ XXXX-XXXX  XXXX XXXX 2. XXXX XXXX XXXX {$450.00} 3. XXXX XXXX- {$500.00} These are fraudulent accounts that are not mine. 
XXXX  is showing the following fraudulent charges. 
1. XXXX XXXX {$500.00} 2. XXXX XXXX XXXX {$450.00} 3. XXXX  XXXX XXXX- {$2100.00} XXXX  is showing the following fraudulent charges. 
1.XXXX Funding- {$500.00}
Product: Credit reporting or other personal consumer reports

[ Your Name ] [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] [ Date ] Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Removal of Late Payments Accounts : XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX Dear Sir/Madam, I am writing to formally dispute the late payments associated with my credit reports for the following accounts : XXXX XXXX Account : XXXX XXXX  Account : XXXX XXXX  XXXX  Acct # XXXX, XXXX Acct # XXXX I am requesting the removal of these late payments based on the following legal protections under federal law : 15 U.S. Code 1681i Procedure in case of disputed accuracy : Under this section, I am entitled to a complete and accurate credit report. If the information being reported is incorrect or unverifiable, I have the right to request its correction or removal. In this case, the late payments for both accounts are inaccurately reported, as the account holders may have failed to properly report the payments or there may be errors in their internal records. 

15 U.S. Code 1681e Accuracy of report : According to this law, Equifax must ensure that the information provided in my credit report is accurate and reliable. If any information reported is not accurate, it is your responsibility to correct or remove it promptly. The late payments reported for the accounts in question do not reflect my actual payment history.

15 U.S. Code 1681s-2 Responsibilities of furnishers of information : Under this statute, companies that report information to credit reporting agencies must provide accurate and complete information. If the account holders have failed to meet this responsibility, I am entitled to have the incorrect information removed from my credit report.

15 U.S. Code 1666b Billing error resolution : This law mandates that billing errors be promptly investigated and corrected. If there were any discrepancies or delays in billing that led to these late payment reports, they should be rectified, and the impact on my credit report should be reversed.
Product: Checking or savings account

This complaint is submitted against Capital One Bank. On XX/XX/XXXX, as I received an email indicating that my email address and phone number had been removed from my account. I immediately logged in to my bank portal and that account, only account out of XXXX accounts had been closed. The bank had issued a closeout check in the amount of {$18000.00}. I immediately called Capital One and was told that I would receive a letter. After a few months of not receiving anything in the mail, I started to visit a local branch and met with a lady by the name of XXXX. Every time I have gone into the bank XXXX attempts to help me, but she has to call the " back office. '' Each time the back office will say they will resend me the check. I have also requested my bank statements, only received one statement. I requested a copy of the check that was issued to close the account. I wanted to see who the check was written to, I have yet to receive a copy of the check that was issued. During my last visit, XX/XX/XXXX, I met with the manager XXXX, and he told me that he was having the check reissued for {$18000.00}, and that I would receive it within XXXX. I asked him where the funds were, and he said they were sitting in an account that Capital One has to hold " these '' types of funds. It has been almost a year and now I am reaching out trying to get help because Capital One has no right to hold my funds.
Product: Student loan

Good Morning I had this problem last year and it was resolved, however I am having the same issues this year and I am trying to find a permanent resolution to this problem. 

My income tax check of {$6000.00} is being offset unlawfully. I have received no notification of money owed. I complete the public loan forgiveness forms annually, and last year when my taxes were offset. I called and the error was fixed and I received my money back. 

This time around I called the US Department of Education to find out what is going on. I was told I owe {$45000.00} ( impossible ) I asked when documentation was sent out in this regard. I also asked why my records don't reflect this balance. I encountered a rude customer service rep that wasn't helpful at all. 

To my understanding funds will be released wednesday so there is still time to correct this error. I need someone to please contact me so that we can get this straightened out as soon as possible.
Product: Credit card

Citibank refuses to provide equal access to services for XXXX customers who do not use TTY services. I was unable to register for an online account for my Citibank Thank You card, in order to pay it directly, and requested assistance via their advertised XXXX account. I had the card in my possession, as well as all other information necessary to open an account. Despite using DM XXXX Direct Messaging ) which is secure, the representative refused to assist, and told me that the only available way they would assist me is TTY, voice telephone, or physically going to the bank. I asked for a supervisor many times and was denied, and eventually ignored. I wasted over an hour of my time trying to get assistance from Citibank. The amount listed below for lost money is my hourly billable rate.
Product: Mortgage

Previously there was a complaint about our property taxes not being paid on time and because the mortgage company did not pay them in a timely manner we had several late fees and processing fees that were due. Property taxes were due no later than XX/XX/2020 however this company did not pay them resulting in my husband and I having to pay them out of our own bank account. If we did not pay them, we were told our house was being placed in the newspaper for an open auction. We paid the property taxes due, late fees as well as a processing fee. The end of XXXX is when we ended up paying our taxes, 3 months late, late because the mortgage company did not pay. My husband and I have been in contact with our mortgage company for months now trying to receive a refund for the amount of money we had to pay for our property taxes as well as the late fees and processing fee. We are constantly getting the run around and have not yet received our refund. First we were told we would be reimbursed what we paid, then we were told we needed to do an escrow analysis, which was supposed to resolve the issue. The escrow analysis received was no where near what we paid in taxes and fees.We were later told the escrow analysis was for money that was in surplus and had nothing to do with the money we were supposed to be reimbursed. After calling again and again we were told that a check was being sent out for {$1100.00} in 10 business days. Its been 10 business days and nothing has been received. All we have had is one issue after another with this company and no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft victim sent po report inaccurate information sent all the violation to XXXX, XXXX, equifax
Product: Checking or savings account

Sofi Bank is not letting me withdrawal my money from an investment account. I called customer service and they claim that the withdrawal is blocked because they have to check my linked accounts. Which would be their own checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company reported on my credit report that cause in to drop almost 80 point. I have been in Bankruptcy since 2016. The company is part of the bankruptcy and every month once my credit score raises up. The company report negative to my report and cause it drop
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My claim for {$11000.00} ( claim number : XXXX ) was denied again. But this time, I finally feel like an investigation is really being done. I finally received ATM footage and can see who was stealing my money. It seems to be the same female in every photo and before I was skeptical that it may have been someone I knew but Ive never seen that female in my life. Shes driving the same car in every photo and I dont even have a car. I have XXXX and am afraid of getting behind the wheel. I take XXXX and XXXX everywhere I go if one of my family members are unable to drive me. I also resubmitted a clear picture of my ID as the representative asked me to do last month so that they could investigate further. And I know that we can tell that its fraud now because I look nothing like the girl at the ATM. Thank you for taking the time to investigate.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request that all accounts and inquiries listed below be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were fraudulently created or affected as a result of identity theft. 
ACCOUNTS : XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

Debt Collection Company Claimed That I owed an alleged debt from a Car Insurance Company. The Debt Collector submitted collection accusations onto the XXXX Credit Bureaus : XXXX, XXXX XXXX XXXX XXXX  damaging my personal-Credit Rating ( which the Bureaus aren't authorized to exist by law see 15 USC 1681, nor do they have my written consent to post ANY of my personal information on ANY public-website ) and violating Two Acts of Congress : The Fair Debt Collection Practices Act ( F.D.C.P.A. ) & The FAIR CREDIT REPORTING ACT ( F.C.R.A. ). I don't know this company and don't have a contract with this company. I sent this company my dispute dated XX/XX/2021 to remove all harmful violations of the F.C.R.A from the Credit Bureau 's and submitted my Invoice for the several violations as required by the Federal Laws that they violated by this action.
Product: Student loan

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Product: Money transfer, virtual currency, or money service

I am submitting 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 their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was both unfair and deceptive, failing to comply with error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused me significant financial loss and inconvenience, and I am seeking appropriate redress for these violations.