23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I signed for my son XXXX XXXX to establish credit on a car on XX/XX/22 at XXXX XXXX in XXXX XXXX we both were on the loan with Ally bank. When it came time to make the payment on XX/XX/22 I XXXX XXXX was the only one on the loan.I called Ally to figure out what happened, they said that I was the only applicant on the loan which I was never notified that my son was denied credit. Yet the dealership took our down payment and changed terms without my knowledge. The bank is supposed to be sending me a copy of the loan agreement. I called 3 times to the dealership after the 3 time I finally got ahold of finance manager XXXX, he was going to look in to the situation and call me back that was XX/XX/22 but I think he knows that there was fraud done here on there behalf. Seems like neither the bank or the dealership want to own up to the problem. All I wanted was for my son to establish credit. I really dont know how to get them to fix this issue.
Product: Mortgage

Requested mortgage forbearance for my mortgage because my family was affected by XXXX XXXXXXXX, I am unemployed my wife is our sole provider currently, my son need XXXXXXXX XXXX for the XXXX XXXX XXXX XXXX because of XXXX from having XXXX. I was approved for a forbearance. I requested additional time to recover from loss of income but was denied assistance. Requested mortgage assistance, submitted financials and requested documents. Citizens Mortgage, Citizen mortgage has not worked with me to assist me with keeping my home instead I have received a foreclosure notice for my home.
Product: Debt collection

I have sent several requests to Escallate Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company which has well surpassed the 30 days allowed by law for a response.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I opened 2 checking and one savings account on XX/XX/2022 with Bank of America XXXX in XXXX, TX. To fund the accounts, I deposited a Cashier 's Check from XXXX XXXX in the amount of {$120000.00}. I was told that " a little over {$5000.00} would be available in a couple of days, no later than XX/XX/XXXX '' and that the remaining funds would be available " a couple days after that ''. Bank of America gave me a receipt for the deposit, dated XX/XX/2022 and a Notice of Hold indicating that {$110000.00} of the {$120000.00} deposit was on hold and would be available on XX/XX/2022 at XXXX. 
On XX/XX/2022, I checked my account on my BofA App and saw that the funds were available. I can not recall the exact amount, but between {$5300.00} and {$5700.00}. I then switched over several of my credit cards, utilities, services that were set up on auto pay to my old account with XXXX to my new account with BofA. Only two drafts were scheduled to occur prior to XX/XX/XXXX and those two totaled well under the {$5000.00} plus I had available. On XX/XX/XXXX at XXXX, BofA sent me an email indicating they were putting the entire {$120000.00} on hold and funds would not be available until the XXXX but I did not see it until the next day, XX/XX/XXXX, when I received an email making me aware of a NSF for one of the two drafts I had scheduled. I logged into my BofA account and saw they had removed the funds that had been made available to me 2 days prior and that the 2nd auto pay transaction had also failed, resulting in a second NSF. 
I tried to go to the branch on XX/XX/XXXX to resolve the issue but the branch was closed and nobody was answering the phone. So I called the customer service number on the BofA internet site. Over several phone calls I spoke to 3 different people, including the risk manager. They would not tell me why my deposit had been placed on an extended hold or why the funds that had been available for me on the XXXX were taken back. ( The third person I talked to filed an internal complaint, numbered XXXX ) They also refused to make any funds available to me so that I could honor my payments to the two institutions that had attempted an auto pay earlier in the week. 
I called XXXX to see if they were aware of any issues with their Cashier 's check from their end. They said there were no problems on their end and that it was ridiculous that BofA was taking that long to validate the check. I see on your site that holds on deposits for new accounts are common, especially larger deposits, but that a minimum of {$5000.00} is to be made available to the account holder within 2 business days and the remaining is to be made available no later than 9 days. They have not met the {$5000.00} in 2 business days obligation and have provided no explanation for the delays.
Product: Credit reporting or other personal consumer reports

This is my XXXX-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 or other personal consumer reports

I disputed all negative accounts on my Equifax credit report, and Equifax responded by verifying and updating these accounts instead of properly investigating and removing unverifiable or inaccurate information. The only resolution is the deletion of all negative accounts due to multiple violations of the Fair Credit Reporting Act ( FCRA ). 

Additionally, I disputed XXXX XXXX Internationals account separately through the CFPB, and their response contradicts Equifaxs verification, proving Equifax failed to properly verify this account.

Violations & Contradictions : Failure to Conduct a Proper Investigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) Equifax did not properly verify negative accounts but instead simply " updated '' them. 
Updating account details does not constitute verificationunverifiable accounts must be deleted, not updated.

Failure to Provide a Method of Verification ( MOV ) ( FCRA 611 ( a ) ( 7 ) ) I requested MOV, yet Equifax failed to provide details on how these accounts were verified.

Equifax is required to disclose who they contacted and how verification was determined, which they failed to do.

Failure to Ensure Maximum Possible Accuracy ( FCRA 607 ( b ) ) There are inconsistent payment histories, balances, and date of first delinquency ( DOFD ) discrepancies across Equifax, XXXX, and XXXX. 
Reporting inconsistent and conflicting data across bureaus is a direct violation of FCRA 607 ( b ).

Illegal Updating Instead of Deletion ( FCRA 611 ( a ) ( 5 ) ( A ) ) After verifying accounts as " accurate, '' Equifax proceeded to update account details, proving that their initial investigation was flawed.

If an account is changed after being verified, this shows that it was never properly verified to begin with and must be deleted. 
Contradiction Between Equifax XXXX XXXX XXXX XXXX ( FCRA 605 ( a ), FDCPA 807 ( 2 ) ( A ) ) XXXX XXXX XXXX admitted in their response that the debt is time-barred and uncollectible, yet Equifax still reports it as a valid debt.

This proves Equifax failed to verify this account properly, violating the FCRA & FDCPA.
Product: Credit reporting or other personal consumer reports

I have found myself in as a victim of identity theft, which have left erroneous accounts and information on my Consumer Credit Report. Over the past 7 years or more, from XXXX. I have experienced unauthorized access to my personal information due to data breaches at XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and the dark web. The XXXX XXXX breach, which occurred in XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX XXXX, have exposed sensitive personal information of millions of individuals, including myself. These breaches have left me vulnerable to various forms of identity theft, as my personal data was compromised without my consent or knowledge. These incidents have further exacerbated my concerns regarding the security of my personal information, leaving it exposed to even more of my sensitive data to potential misuse by malicious actors. As a result of these breaches, I have experienced significant financial and emotional distress. I have taken numerous steps to mitigate the damage, including validation, disputes and placing fraud alerts on my credit reports, monitoring my accounts closely for suspicious activity, and working with financial institutions to secure my accounts. However, despite my efforts to safeguard my identity, I remain deeply concerned about the long-term consequences of these breaches on my financial stability and personal well-being
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report with ( XXXX ) and I noticed some late payments posted on my credit report. 

Unfortunately, your agency is in a clear violation of the law. 

Under 15 USC 1681b- permissible purpose of consumer reports, The Law Clearly States ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this account on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( XXXX ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681sXXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 



Account Name : XXXX XXXXXXXX Account Number # XXXX Account Name : XXXX XXXX  Account Number # XXXX Account Name : XXXXWOFC  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax says that my information does not appear but to sell my information and participate in identity theft there if they had my information in order now I do not appear anywhere
Product: Checking or savings account

I had money in my previous account. The old phone number ended with XXXX but I no longer have that number. I could not withdraw the funds and could not reach a live person to walk me through the process. I still had money in that old account/profile.
Product: Credit reporting or other personal consumer reports

I had started a business. I later closed the business and all accounts linked to this business so I had thought. I no longer had access to my business accounts later to find out my credit card account was being charged for a business page that was closed and no longer functioning. I had tried to dispute this entire transaction because it should have never been charged as I had closed my business account a year almost prior to this charge.
Product: Credit reporting or other personal consumer reports

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

CAPITAL ONE BANK has closed my account because they said my account was not consistent with their expectations for account usage and violations of the Capital One Customer Agreement, which is an invalid statement because I did not violate the deceptive customer agreement, which is a deceptive form they furnished to begin with. Moreover, when I contacted CAPITAL ONE they said my account was closed because 1. there were return payments, which is false because I did not have ANY recent return payments whatsoever prior to them closing my account. Secondly, they said they closed my account because I made an invalid dispute. By them taking such action, it's implied that they did not allow me to exercise my right as a consumer. It clearly states under in the Equal Credit Opportunity Act that it's unlawful for a creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right. CAPITAL ONE BANK has discriminated against me and closed my account unlawfully. I have been taken advantage of by CAPITAL ONE BANK. They did not have actual, implied, or apparent authority for such use when it came to closing my account and I did not benefit from their actions, which is a violation of the Truth In Lending Act. 


CAPITAL ONE BANK has been found violating several federally protected consumer laws according to the Equal Credit Opportunity Act, as well as, the Truth In Lending Act. Conclusion, in the cardmember agreement CAPITAL ONE BANK states that they may close my account for any reason permitted by LAW! There was no reason permitted by law, which caused my account to be closed unlawfully by CAPITAL ONE BANK, it was due to discrimination. 



Acct last XXXX # : XXXX Acct last XXXX # : XXXX
Product: Money transfer, virtual currency, or money service

My wallet was stolen. My business and personal financial information has been compromised.
Product: Checking or savings account

Bank of America is engaging in unfair business practices as follows : 1. Without any notice, they started charging me a monthly maintenance fee on both my checking and savings accounts. 
2. They are not investigating disputes. I disputed several XXXX charges and they initially credited my account, but then they reversed the credit saying that the business never responded. No response from Lyft does not validate the charges. 
3. These charges have caused my account to become overdrawn and then the Bank charges me overdraft fees. 

I have submitted complaints to your agency previously, but nothing is being done and my situation is getting worse as noted by items 2 and 3.
Product: Credit reporting or other personal consumer reports

My file keeps showing over time FCRA violations Late Payments : 15 USC 1681 a2Xi 15 USC 1681 Permissible Purpose 15 USC 1681b Reinsertion Deleted Item 15 USC 1681i5b Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 The entry is the result of unauthorized activity tied to identity theft. As a consumer reporting agency, you are required by the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) to ensure the accuracy and integrity of the information contained in consumer credit report XXXX. XXXX XXXX XXXX XXXX {$9300.00} ; Acct # ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX DPT ED/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX DPT ED/XXXX  XXXX XXXXXXXX XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  DEPT OF ED/XXXX  DPT ED/XXXX
Product: Student loan

I have a spousal consolidation direct student loan and am divorced from the co-maker. I am listed as qualified for the PSLF with 20+ more qualified payments than required FedLoan services the loan and has been been contacted and been unresponsive for months. My portion of the loans have not been forgiven despite my legal right to have this done under current non-waiver rules for spousal consolidation direct student loans, per the FAQ on the Dept of Ed student aid website. I can not get my case reviewed or updated by FedLoan. It is outrageous that I can not get my loans forgiven almost 2 years after qualifying. It is also outrageous that when they are forgiven, I will still have to continue paying my ex-husbands student loan debt off AND have his loans continue to be posted to my credit history. This is unfair and unreasonable. I am not the only person in this situation, and many are in an even worse situation with abusive or uncooperative spouses or ex-spouses who are loan co-makers. Please help us.
Product: Student loan

XX/XX/XXXX I took out a XXXX student loan in the amount of {$17000.00} to finish attending my XXXX at XXXX XXXX. I had trouble paying it back initially when I finished school, but came into some money XX/XX/XXXX and paid off the loan in full at a quoted amount from a XXXX representative of {$42000.00} to close the account. That was processed and completed XX/XX/XXXX. Just XX/XX/XXXX, nearly 8 years later, I received a bill from Navient stating that I owed an outstanding balance of {$1300.00} against this particular loan ; a combination of a principal as well as late fees and interest which apparently are accumulating daily while I try to resolve this. I had not received any communication from Navient ever up until this time, nor did I receive any communication from XXXX after I paid off the loan and closed the account back XX/XX/XXXX. Frankly, I thought Navient was junk mail, but I have communicated with the company and am being told that I owe this money. My bank no longer has the cancelled check because it was greater than 7 years ago. I have only a payment history to prove it. I feel as though I am being scammed for this money and I actually do not have the funds to pay it now, nor are they offering me any kind of solution that will allow payment plans and slow down the interest progression. They are claiming the amount is due to fees incurred during " transit '' of my last payment from the time I wrote the check to the time it was entered into the system and placed against the loan.
Product: Mortgage

I have asked them to stop texting me and they wont stop. I have replied STOP but they still continue to text