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

Back in XXXX of XXXX I sent XXXX $ to a company called XXXXXXXX XXXX owned by XXXX XXXX and XXXX $ to the acquirion group owned by XXXX XXXX and XXXX XXXX both companies scammed me out of the said amount and blocked me from contacting them to request a refund. Wells Fargo admitted that acquirion with XXXX was a complete fraudulent company they refunded the money then took the money back because they said it was with a third party XXXX XXXX My account was then overdrawn and closed. And because XXXX specified a specific amount I would get each month I literally had no money to put into the account!!!! They were an e commerce firm that promised to help me start a successful XXXX Business.its been 7 months i haven't made any money and they have blocked me from contacting them i filed a dispute on XXXX of XXXX, XXXX and XXXX and Wells Fargo refuses to help me. These fraudulent people should be stopped!!!! My financial institution should help
Product: Credit card

In XXXX XXXX as a current credit card, in great standing, holder I was checking my payment amount due in their app. While looking at my transactions a promo ad popped up stating if I changed cards, from my current Venture card to a XXXX card, and used the new card XXXX number of times within a XXXX ( I believe ) period they would give me a {$200.00} bonus credit on my new XXXX card. 

Since it was a pop-up ad within their app I could not print out the requirements for proof but I read them clearly & agreed to close my XXXX card, allowed them to run credit check, & receive a new XXXX card. 

I completed the required usage within the XXXX period but have not received the {$200.00} bonus credit. 

I contacted their Support Center today to ask about the credit & was told that promo was only for new customers. If only new customers, why would it appear while I was logged into their app with all my credit card info showing? Feels like a bait & switch.

I also asked what was the advantage of changing cards within their corporation since it caused additional work on my end? I was told it has to do with different rewards programs. I never would have switched for just different reward options. That is not relevant to me. I was interested in the {$200.00} bonus as a longtime customer of theirs. Due to new card I had to contact all my creditors with auto deduct to alert them to new number, expiration date, etc. It was alot of extra work for me yet I have not received the expected bonus. Seems shady to me.
Product: Credit card or prepaid card

I opened a dispute with Cashapp on XX/XX/2023 due to finding out that I was being scammed. Cashapp denied my dispute in XX/XX/XXXX claiming that services was fulfilled and they were not. I was promised guaranteed approval by getting my credit fixed if I paid {$1500.00} and I never received those services. I disputed it twice with cashapp and they will not give me my money back even though I have submitted a lot of evidence of me clearly being scammed.
Product: Credit reporting or other personal consumer reports

I recently acquired a copy of my credit report from your bureau and am disputing the accuracy and completeness of the following information. This incorrect information is damaging my credit report, and I request an immediate correction. The details in question are as follows : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX 

I assume 30 days is a reasonable time frame for your investigation. After completing your investigation, please provide me with an updated credit report and the names, addresses, and telephone numbers of the individuals contacted.
Product: Checking or savings account

I opened a savings & checking account at Ally Bank on XX/XX/XXXX. I requested that Ally Bank transfer funds from my XXXX XXXX checking account to my new Ally Bank savings account ( {$40000.00} ) and checking acct ( {$15000.00} ). This money was still in my XXXX XXXX ( formerly XXXX XXXX, they merged together in XXXX ) account on XX/XX/XXXX when I received an email from Ally Bank stating " Your telephone banking PIN has been changed. If you didn't make this change, call us immediately. '' I called them immediately and was told their system had detected suspicious activity in my accounts so they'd closed them. I confirmed that my XXXXXXXX XXXX  acct information ( my routing and acct number ) was still accurate. I said I'd checked my XXXX  account and no funds had transferred to Ally and I wanted to make sure the transfers were cancelled. Ally Bank assured me that my money ( $ XXXX & {$15000.00} ) from XXXX would not be transferred to Ally. I found out this was not true on XX/XX/XXXX. Ally Bank had transferred both the {$40000.00} and {$15000.00} from my XXXX checking acct on XX/XX/XXXX. I called Ally Bank & they told me that the transfers would hit their system and since my Ally accounts were closed, their system would kick back my money to my XXXX acct. I just needed to wait 3-5 business days. I waited & called Ally Bank on XX/XX/XXXX and informed them that my funds had not been returned to my XXXX acct. They said they would reopen my case and send a form to XXXX XXXX to fill out & when XXXX sent it back to Ally, they'd then release my funds to XXXX. On XX/XX/XXXX I spoke with XXXX and they have not received any requests from Ally Bank. I called Ally Bank and told them this, I asked to speak to a manager, they said their policy is to email a manager and the manager should get back with me within 24-48 hrs. This is a very condensed version of my experience. Throughout this ordeal Ally Bank has been unusually unhelpful and evasive. They tried many times to say Id have to file a dispute with XXXXXXXX XXXX, but I can not do this since I preauthorized the transactions through Ally Bank to transfer the funds. Ally Bank will not give me a direct phone number to someone on my case & I continuously have to go through lower level employees, explaining everything anew each time. Also, it's hard to get through to anyone at Ally Bank, I've been put on hold for extremely long waits. I've made numerous calls to both Ally Bank and XXXX over the past several weeks in an attempt to have my funds returned to my XXXX XXXX  account. Ally Bank has told me many things that have been untrue, and at this point I would like a federal agency to look into this issue. Bottom line is Ally Bank pulled my funds from my XXXXXXXX XXXX  account after they closed my Ally accounts and have not returned my money. I've since found many similar complaints about Ally Bank online. I've found that the XXXX  gives them a XXXX rating, states Ally is not accredited, they also show many complaints toward them. Getting Ally Bank to help me has been like pulling teeth and so far is without results.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized inquires on my credit report I've contacted the business as well as the credit bureau and no one will help 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
Product: Bank account or service

I am trustee for my late mother-in-law 's trust. I set up a trust account with Ally Bank in XX/XX/XXXX. Since my mother-in-law passed away ( XX/XX/XXXX ), I need to re-assign the taxpayer ID associated with the account replacing it with an EIN. I recently made a request via Ally 's secure messaging system ( and per verbal direction from the Ally trust department ) to make this change, submitting the Ally trust maintenance form and copy of the death certificate. I received a response message from Ally that I am was not authorized to make such a change. I responded to Ally that I am trustee for the trust, and have already provided Ally with a full copy of the trust that states this. I have received no response from Ally since that message ( two weeks ago ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Capital One conducted a hard inquiry on my credit file for a new credit card account. I did not apply for a credit card or any form of loan from Capital One, so I contacted the company on XX/XX/year> to report the fraud. Capital One indicated that they closed the credit card account due to fraud and that they would investigate the incident further prior to removing the inquiry from my credit report. It has been 5 months and Capital One has not removed the inquiry from my credit report. When I contact Capital One, the only information the representatives can share is that the account is closed due to fraud, but will not provide an update on the removal of the hard inquiry from my credit report.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically Cash App failed to take timely effective measures to prevent and address fraud on there platform, leaving my account unprotected. Thier dispute resolution process is unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These acts have caused significant inconvenience and financial loss and I seek appropriate redress for the violations.
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 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 XXXX  Account XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX 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: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX  Balance : {$940.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$2400.00}
Product: Checking or savings account

XXXX XXXX, 2023 XXXX checks were supposed to be sent Business Bill Pay to XXXX XXXX XXXX ( Used for years ) ( {$1100.00} & {$1500.00} ) XXXX Distributing kept saying they had not recieved my payment. My on line banking had it showing correctly and it had been cashed. I requested a copy of the checks from BOA. Once I got a copy ( took about 4 months to get, they had the wrong fax number in system ), it was obvious that the bank did not look at the check, it was not to XXXX, it was made out to an individual XXXX XXXX in XXXX, XXXX. Not sure how this happened, but XXXX had both checks for the correct amounts but were cashed at XXXX XXXX by her. My client XXXX never saw these checks. This is the only company we distribute through and have worked with them for 40 years, they mentioned they were going to have to send to collections if we didn't pay. I have since sent them XXXX more checks to clear my account and not damage my companies relationship with my client. ( So I have paid for these XXXX invoices twice ) I have visited the bank several times to get an update, first told it could take a couple of weeks, then up to 45 days, then up to a year to get my money back!! I have been patiently waiting for my money to be returned to my account. I was notified recently that the XXXX  XXXX XXXX XXXX was unable to recover the funds and say it has been resolved and claim denied. States-Recieved denial from negotiating bank hold harmless, no funds available.So does the person get away with this? Do I just loose my money that I thought was a secure way to pay my business bills? I have been to the bank numerous times, sat on the phone for hours at a time trying to find out what BOA was going to do about it. Frustrated and disappointed is not even close to how I feel about this situation. This account has been open for XXXX years, I have several with this bank. You would think that since I have been a customer for so long, they would honor some source of security to their account holders that are encouraged to utilize their services.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$25000.00} XXXX CARD XXXX Balance : {$2000.00} XXXX CARD XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the   XXXX   during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that my  credit score ha s changed ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.
Product: Mortgage

I demand an audit of the XXXX loan modification prepared by XXXX XXXX and transferred to Ocwen. 
I demand an audit of the application of funds of the {$82000.00} made to the field adjustment added to the modification and from where the {$80000.00} extinguishment in XXXX was takenAlso want to know why there were XXXX previously released liens released again in XXXX XXXX and why Ocwen presented a XXXX mortgage as proof of debt
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've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/19 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on account under an open end consumer credit plan go late for any purpose.
Product: Checking or savings account

My account has been restricted and blocked without access to online banking or access to the funds on my account. We need to have the issue resolved asap
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ( XXXX ) XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX Bank # XXXX, has violated my rights. 
And ( XXXX ) XXXX XXXX # XXXX, has violated my rights. 

Please note : In the Fair Credit Reporting Act ; 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 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 ; and 15 U.S.C. 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, this issue needs to be resolved immediately. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with XXXXXXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to XXXXXXXX XXXX : Submitted on XX/XX/year>, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/year>, following XXXXXXXX XXXX  's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent.

Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX has failed to meet this obligation. 
Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. COMENITY BANK does not have my written consent to share my information.

Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX did not inform me of this right. 
Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXX XXXX  's reporting services and sharing of my information. 
Conclusion : XXXX XXXX 's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting XXXX XXXX to honor my rights and process my opt-out request as mandated by law.