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

With a promo code XXXX ( {$200.00} bonus offer ) attached, I opened XXXX  Money Market account with U.S. Bank, with initial deposit of {$100.00}, on XX/XX/XXXX from the following link at : https : //www.usbank.com/XXXX  The terms of the promotion were : Open a XXXX  Money Market account and deposit {$10000.00} or more by XX/XX/XXXX Maintain a balance of {$10000.00} or more through XX/XX/XXXX The monthly maintenance fee of {$10.00} can be waived when minimum account balance is {$10000.00} As soon as I received an account approval notice from the bank, I set up online account profile, linking external account to this account enabling fund transfers, etc. Finally, I managed to deposit {$10000.00} additionally on XX/XX/XXXX, well before the required deposit deadline of XX/XX/XXXX. 

On XX/XX/XXXX, I noticed Monthly Maintenance Fee of {$10.00} was charged the day before, even though the account balance was {$10000.00} at that time. I called U.S. Bank and discussed the matter with Customer Service Representative, XXXX. XXXX apologized for the system glitch and refunded the {$10.00} fee immediately, stating that this would not affect my {$200.00} bonus eligibility. And I asked XXXX to note on my account about her assurances. 

Though I learned that customers who had opened savings account with the same promotional offer received {$200.00} around XX/XX/XXXX, no bonus had posted on my account. I contacted U.S. Bank and spoke to XXXX ( Ext # XXXX ) about a missing bonus. XXXX submitted a manual processing request for me and provided me with her extension number as a proof. 

I contacted U.S. Bank again on XX/XX/XXXX, and discussed the missing bonus with XXXX. XXXX filed a Request Form for Promotional Offer for me. However, I have yet to see the bonus posted on my account ; nor have I heard from U.S. Bank, despite my repeated attempts to resolve the matter. 

Furthermore, I read online postings showing that customer who were in the exactly same situation ( {$10.00} maintenance fee charged for first month but waived thereafter ) also received the {$200.00} bonus one way or another. ( Evidence to be furnished upon request ) Therefore, I request that the {$200.00} bonus should be posted on my account without undue delay!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times 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 were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and rises serious concerns about my consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with fair credit reporting act XXXX  XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX  account number XXXX, XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXXXXXX XXXX XXXX account number XXXX. 

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 agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Prepaid card

In an attempt to trick and deceive the ConsumerFinancial Protection Bureau, Cash App COPIED AND PASTED their last response to close out the complaint. Cash App failed to respond to this complaint regarding the dispute of Fraud. To further their lack of integrity, They COPIED AND PASTED their last response that included an explanation of an ERROR that never took place instead of addressing the FRAUD complaint. A lawsuit will be filed if they fail to investigate fraud. Complaints with CFPB will also continue until Cash App is investigated by the FTC for their actions in assisting with FRAUD. I reported FRAUD to Cash App on multiple occasions. Cashapp recently submitted a response to CFPB on XX/XX/XXXX that contained false information. Cashapp stated they investigated the dispute and concluded that no error occurred. However, as you see from the attachments, they never conducted a dispute. Cashapp attached a form that included a portion of the card number used to commit fraud and stated no error occurred. Cashapp has not once contacted the MERCHANT they claimed removed the funds from the account. In this email attached you can clearly see XXXX stating : Although our investigation determined that no error occurred, we may still be able to dispute your claim directly with the merchant. If you would like to open a new claim with additional information for the investigation, you may create a new case using that by following these steps to initiate the process in-app : Once these steps were completed and a request was made for the dispute to be filed with the MERCHANT, they closed the case. Cashapp has continuously lied to the CFPB about this dispute. Not once did they attempt to contact the MERCHANT about fraud. They claim to have investigated the " error ''. Someone stealing money is NOT an " error ''. They do not have a clue. They do not know how to conduct a FRAUD investigation. I have attached the paperwork from Cash App regarding the dispute I filed. They are calling these forms proof that no error occurred. The forms indicate nothing but the card number that was used in the transaction NOT that the charge was authorized. THEY ARE WELL AWARE that the MERCHANT does NOT exist. The only other plausible conclusion that I can think of is that they have stolen my money and created a fake merchant name. There is no other reason why they would fail to complete the dispute directly with the merchant. There is no logical or legal way that Cashapp can investigate a FRAUD related dispute without reaching out to the MERCHANT. I believe they are lying and stealing money.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WAS DISPUTED ON NUMBEROUS OF TIMES ON IN XXXX, XXXX, XXXX, OF XXXX. THE ACCOUNT IS OUTDATE WAS OPEN BACK IN XXXX. AND I WOULD LIKE IT TO BE REMOVED, THE CAR HAS BEEN SOLD AGAIN SINCE IT WAS REPO. PLEASE REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/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 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 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 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 XXXXK XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/1980 Dear Sir/Madam, I am writing to dispute the negative items that have been reported on my credit report by your agency. I am emotionally distressed to see that there are several late payment accounts, charge off accounts and collection accounts that have been reported on my credit report, including : XXXX XXXX Late Payment Account XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge off Account XXXX XXXX Charge Off Account I would like to bring to your attention that some of these accounts have been erroneously reported or are in violation of certain laws. As per the Fair Credit Reporting Act, credit reporting agencies must ensure that all the information they report on a consumer 's credit report is accurate, complete and verifiable. Any inaccuracies or incomplete information can have a negative impact on the credit score of the consumer. 

In this regard, I would like to point out that the late payment accounts reported by XXXX and XXXX  XXXX were due to a temporary financial hardship that I was facing at that time. However, I have since then made every effort to bring my accounts up to date and have been making regular payments on these accounts. 

Regarding the charge off accounts, I dispute their validity and request that they be removed from my credit report. The accounts reported by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX were all included in a bankruptcy filing that I had made in the past. As per the Fair Credit Reporting Act, any account that has been included in a bankruptcy filing should be removed from the credit report after a certain period of time. 

I would appreciate it if you could investigate the validity of these accounts and take appropriate action to remove any inaccurate or incomplete information from my credit report. I trust that you will comply with the laws and regulations pertaining to credit reporting and take the necessary steps to ensure that my credit report is accurate and up to date. 



Thank you for your attention to this matter. 



Sincerely, XXXX XXXX
Product: Mortgage

I have repeatedly requested that I be placed on a no marketing list, including at least XXXX telephone calls to the company. In spite of this I constantly ( as in more than 6 times in under 2 years ) receive misleading marketing materials attempting to trick me into contacting the company to refinance my loan. 
In my initial enrollment when called to confirm loan details I requested opt-out of all marketing. I received one marketing telephone call, and again requested opt-out of all marketing. This was apparently successful for phone marketing, but not mail. Upon receiving scammy mail marketing offer, I again called to opt out and have repeated that request 3 additional times with no success regarding mailed marketing materials.
Product: Payday loan, title loan, or personal loan

This company emailed me out of the blue saying I took at a loan which I have never done with a payday loan. My mother just passed away and they are harrassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$8500.00} XXXX XXXX XXXX {$2300.00} XXXXXXXX XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX  XXXX {$870.00} XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX  XXXX {$710.00} XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2023 i disputed and asked the company for original contract with my signature .Company did not respond back with documentation...
Product: Credit reporting or other personal consumer reports

I would like Apple Card-GS Bank USA to stop sharing my nonpublic personal information with nonaffiliated third parties, including the consumer reporting agencies : XXXX, XXXX, and XXXX.
Product: Checking or savings account

On XXXX XXXX XXXX, I singed up for a XXXX 3 day trial for a website. At the time I signed up for the XXXX 3 day trial the website charged me for the XXXX trial AND a 18 month membership for XXXX that I did not authorize. Both charges occurred at the same time and are still on my account, even though I have gone through the dispute process. The bank declined my dispute siding with the website that fraudulently charged my account almost XXXX.

This is unacceptable in modern banking and internet era. This means anyone can just charge me whatever they want and I have no protections that the bank advertises. It specifically states on their website upon signing up and in the TOS that I am not liable for unauthorized charges, that is apparently false and or false advertising. It is obviously not true.

In addition to the fraud charges being allowed. The bank suddenly close out my ATM card without notifying me causing me issues at merchants and embarrassment which could have been avoided. After sending me the new card, the new card is being declined and turned off randomly with a code to the merchant that it is a fraudulent charge, again causing me much embarrassment with the local merchants.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year or two ago I took out a small loan to rehab my credit. I paid it off early and credit score went down because I paid the loan off early. The credit bureau that I called said it was because paying the loan off indicated that I'm a risk because I no longer show that I make payments on time. So I got another loan to rehab my credit. All payments were made on time and I let the loan run its course so I wouldn't have the previous problem. My credit score got hit by 9 points because the loan was considered " closed " after it was paid off. So essentially I got penalized for paying a loan off early then got penalized on paying down a loan to term.
Product: Mortgage

Mr. Cooper ( Nationstar Mortgage ) held our mortgage. When we sold, Mr. Cooper sent solicitations for mew mortgage. 

Applied on XX/XX/19 for pre qualification letter. They sent me letter and checked my credit and employment history, charged me for appraisal. When inspection report came out furnace and outlets were defective, so withdrew offer. 

Put offer on another house on XX/XX/19. Sent Mr. Cooper documentation. Then, just as house was about to close, they started asking me for documentation they had received from me 30 days earlier. Acted like they couldn't find employer. Then said there was a gap in employment from 17 months earlier - this is after charging me again for an appraisal. Would not approve or deny the loan despite 20 emails and calls. Would not reply as deadline for earnest money deposit came and went. Repeated this approximately a week later. 
I had to liquidate my personal holdings to close on the house. 
Never received an answer. 
Did not respond to request to receive refund for 2 appraisals, or request to have regulatory officer return my call.

Did not respond for several weeks to multiple requests to reset my entry into loan tracker -- finally responded after I paid 2 appraisals and deadline for earnest money forfeiture had passed.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on the disputes I submitted over 30 days ago regarding inaccurate information on my credit report. I sent detailed disputes to XXXX, XXXX, and Experian, listing the accounts in question and outlining the violations these inaccuracies represent under the Fair Credit Reporting Act ( FCRA ). 

Despite the 30-day response requirement stipulated by the FCRA, I have not received any acknowledgment or resolution from your agency. I am attaching copies of all the letters sent for your reference. 

I request an immediate investigation and resolution of these disputes, ensuring compliance with FCRA guidelines. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX  XXXX # XXXX Account Name : 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

BOA, bank of America has charged the monthly maintenance fee for XXXX $ for XXXX mnth, total XXXX $
Product: Debt collection

On XX/XX/XXXX I received a phone call and a voicemail was left, saying I owed a debt from U.S. BANK in the amount of {$1800.00} ACCT # XXXX his name was XXXX XXXX, I called him back and told him I never had any debt with U.S. BANK and requested they send something in writing, he instead asked for my email address and sent me a DocuSign document wanting me to fill out and acknowledge the debt. They told me if I didn't do this, they would contact my employer to garnish wages I guess? He's saying the amount owed was from XX/XX/XXXX. I called U.S. BANK to even double check and they even said they had nothing on file with my name on it. He had me listed living in XXXX, XXXX at that time and I am pretty sure I was living in XXXX. I believe this to be a scam and want to report this. The name of the company is XXXX XXXX XXXX they first called me from this number ( XXXX ) XXXX ( XXXX ) then they called again today XX/XX/XXXX from this number ( XXXX ) XXXX ( XXXX  ) both times reciting I call back this XXXX number ( XXXX ) XXXX. I did provide him with my email address so I could respond to the email to have a paper trail and told them that if they want me to pay anything, they need to send me something certified mail with my debt protection rights and the actual information about the debt. I hope this helps. 

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

I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. I demand your prompt attention to this matter. 

I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.