23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  / XXXX / {$1000.00} XXXX XXXX / XXXX / {$76.00} XXXX XXXX XXXX XXXX XXXX / {$9100.00} XXXX OF XXXX XXXX XXXX / {$440.00} XXXX CARD XXXX XXXX / {$2900.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Mortgage

Hi, Summary : The bank is not paying the correct amount of taxes for my property, they are not paying the taxes on time, and they are charging the tax penalties to my escrow account.

Resolution : The bank should pay the right amount of taxes and they need to refund my escrow account for any late fees incurred since I have not been late in my mortgage payments. 

My loan number at BerkshireBank is XXXX. I have called the bank endless numbers of times since XX/XX/XXXX, I have sent several emails to the email that they provided me XXXX, however, the issue persists. They never respond to emails, and on the phone, I can only talk to a customer representative and the manager ( just one level up ). They refuse to give me a case number. 

I own 53 % of the property ( see document attached, master deed ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The tax bill will not be split until XXXX because this is a condo conversion. 

Tax due so far on the entire property : XX/XX/XXXX {$3300.00} XX/XX/XXXX {$3300.00} XX/XX/XXXX {$6600.00} Total : XXXX my share of this is {$7000.00} ( seed document attached ) Tax paid so far : XX/XX/XXXX {$3300.00} XX/XX/XXXX {$1800.00} Total : {$5100.00} Taxes owed by the bank : {$7000.00} - {$5100.00} = {$1800.00} Penalties imposed by the city of XXXX so far : Interest {$690.00} ( see document attached ) Again, I would appreciate it if the bank paid my propertys taxes on time and didnt pay tax penalties from my escrow account. Being delinquent on real estate taxes is a major problem for me. 

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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in XXXX and in XXXX with regards to XXXX stating they are unable to locate an account with my name and address. I sent Experian a copy of the letter received via CFPB portal stating this. However, Experian still is reporting this account on my credit file. They could not have verified this information or they would have received the same response that I received.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  says i owe them XXXX. Never got a card from them
Product: Bank account or service

I deposited XXXX tax refund checks into my primary checking account on XX/XX/XXXX. Both the checks were in my and my wife 's name. I deposited the checks into my account through ATM booth as I deposited the tax refund check of last year in the same manner as it got cleared. My wife also has her ac with Bank of America. She put her signature on the back of both checks as she did last time and made endorsement that she received payment and has no objection if the proceeds are credited into my account. Bank of America made a correction and retuadjustment when I saw this I called their customer service a representative said I will receive the adjustment notice and returned checks within 8/ 10 business days. I have talked several time with several agents and supervisors and they give different time frame for receiving the checks. Today is the 16 the calendar da I am yet to get back those checks.
Product: Checking or savings account

Even though there was no account in my money when I used my debit card.It was allowed to make purchase in charged outrageous fees. XXXX  transactions would show that the funds were available.But we're not available in charge fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Debt Validation Request to XXXX, an email confirmation was sent to me XX/XX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from XXXX stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a zero balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.
Product: Checking or savings account

On XXXX XXXX XXXX I noticed transactions on my chime checking account that I didn't authorize I immediately called chime to report it and opened a dispute within 24 hours the claim got denied I reopened it under a rebuttal the total being {$1600.00} that got denied I reopened the rebutle and that once again got denied. I feel at this time chime had now allowed multiple transactions including {$2000.00} at the end of XXXX XXXX to happen for a total of {$3600.00} which is unacceptable and I want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Im A victim Of identity theft experian after sending them my police report refused to Remove these fraudulent accounts Off my report Not Fair
Product: Credit reporting, credit repair services, or other personal consumer reports

already tried working with experian i am a victim of ideneity theft and this fradulent hard inquiry must be removed acccording to the fcra 605b block and remove this hard inquiry resulting from idenety theft XXXX XXXX XXXX XXXX XXXX XX/XX/2022 attached if ftc report!!!
Product: Checking or savings account

Robinhood securities LLC has refused to release my remaining funds with their company. Stating that they can not verify the legitimacy of remaining funds in the accounts as the reason for withholding funds and restricting the accounts. Robinhood fails to review or provide communication regarding the documents I submitted to them multiple times that verify the legitimacy of source of funds. These documents along with a cover letter notarized by a chase bank notary provide answers and a resolution to the problem Robinhood has with verification of remaining funds. Im submitting this complaint in order to request a documented reason for the refusal to release funds after Ive submitted documents verifying the legitimacy of remaining funds. I have attached the documents that prove and verify the legitimacy of remaining funds with this complaint.
Product: Credit card or prepaid card

I was charged for a purchased of over {$500.00} by XXXX XXXX on XXXX and didn't receive anything from the company, I've tried contacting them and they won't respond to my request for a refund. I now believe this company XXXX is a scam company and I contacted my credit card company today ( XXXX ) and they will not help me either with the dispute. I think my credit card company barclays is involved with helping them steal from me. Barclays refuse do dispute this matter I've contacted them to resolve. I believe you should also investigate barclays, as they always help the merchants steal from the customers, this is not my first theft that barclays did to me. There should be strict laws against helping merchants steal from consumers and these companies license should be revoked for fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX- to removal negative accounts Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute the accuracy of certain information contained in my credit report, specifically regarding the improper re-insertion of inaccurate information and the handling of my disputes, as highlighted by the recent allegations made by the Consumer Financial Protection Bureau XXXX CFPB ) against your organization. 

According to the CFPB, XXXX has conducted sham investigations and failed to properly address consumer disputes regarding inaccuracies on credit reports. The CFPB 's findings indicate that XXXX has not adhered to the requirements set forth in the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies take necessary steps to ensure the accuracy of consumer reports and conduct thorough investigations of disputed information. 

The accounts in question that have been improperly reinstituted or mishandled include : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain inaccurate information that has negatively impacted my creditworthiness and financial opportunities. The CFPB has indicated that XXXX has engaged in practices that violate consumer protection laws, including the FCRA and the Consumer Financial Protection Act ( CFPA ). Such conduct not only contravenes the law but also threatens consumers ' access to credit, employment, and housing. 

As a result, I am requesting that you take immediate action to remove all accounts listed above from my credit report across all three major credit bureaus. I expect to receive confirmation of these removals and a detailed explanation of the steps taken to rectify this matter. 

Thank you for your prompt attention to this issue. I look forward to your response within the timeframe specified by the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card

Pursuant to Comenity 's response letter to my earlier CFPB complaint XXXX XXXXXXXX ( please see response letter attached ). 

Contrary to the information provided in Comenity 's response letter, as of XX/XX/year> I have not received any letters whatsoever from Comenity requesting documentation. 

I have contacted Comenity Bank today, spoke with XXXX on their Account Protection team, and was told that I need to provide copies of : my Driver License, front and back of my Social Security Card, and a recent Utility Bill. 

Per XXXXXXXX XXXX advice, I have e-mailed all requested documents to XXXX, and have received an automated e-mail response advising me that the documentation has been received and will be reviewed within 30 days. For further verification, I am attaching here copies of the documents that were provided to Comenity today via e-mail. 

Meanwhile, my account remains on hold, and I'm not able to use my card to make any new purchases with it, while waiting for the documents to be reviewed. All of this simply for attempting to add my card to XXXX XXXX, and for seeking Comenity 's assistance with the same after not being able to add it on my own.
Product: Money transfer, virtual currency, or money service

I open a skrill account on XX/XX/year> on XX/XX/year> at XXXX XXXX I funded my account with my chime debit card adding money for my time account to my Skrill account. This is the first of any activity I have done since opening this account. On XX/XX/year> at XXXX XXXX a minute later after funding my account I received an email from XXXX stating that my account has been restricted. On XX/XX/year> at XXXXXXXX XXXX exactly XXXX hours to the minute from funding my account I received another email from skrill stating that my account is been permanently closed. I have tried to contact skrill numerous occasions, I have sent over XXXX emails. I have also called many of times only to be hung up on, placed on hold for longer than an hour period of time, to be hung up on, also to having my number blocked so now I can no longer call skrill. I've also tried calling off of other people 's phones only to get transferred to be hung up on and then their number blocked from calling. I have asked many times why I'm unable to have my money out of my account that I transferred into the account only to be restricted and then now my account closed I have done nothing wrong to my fault and my money is being taken for me and held. I have gotten less than three responses back from Skrill stating that my account is being escalated, to it's being investigated for my complaint, and then now the last one that they can not provide me with any information at this time that they are further still looking into my case. My account is only open for a total of 3 days the first time I did any activity by transferring funds into my account from my other checking account from another bank they restricted my account and then XXXX hours later permanently closed it and now we're refusing to give me my money back I believe I'm being scammed I have gotten online and Googled this situation and there are thousands of people right now at this very moment going through the same thing with this company for the exact same thing has happened to them. I believe that this company is scamming people and taking their money and I need help to get my money back. I was told that I can withdraw my funds via bank account transfer or off my skrill card I have done both and they will not work it tells me that I have not been charged for this transaction but it can not be processed at this time. I've been ran around lie to and completely in my eyes disrespected and my money is just taken and I need help getting it back I'm providing a screenshots of the emails and the responses that I've gotten so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also
Product: Debt collection

this company reports, withdrawals neg reporting and reports again over and over, many times agreeing to remove, only to report it again, I have sent multiple letters each time and complained here repeatedly, they remove only to report it again, most recently XX/XX/2020 I have shown them over and over that my name or signature is not on this or ever a part of this and they have agreed repeatedly removed and reported again and again
Product: Vehicle loan or lease

Ive had this account from global lending service on my credit report since 2019, I was going through a divorce my ex wife wouldnt let me use the car for anything, when I finally called global lending services and actually found the car to tell them where it was its was damaged, side mirror gone, scraps, paint damage, lights were damaged. The car had damage. More than I was wanting to pay and also she had been just not paying the car off, she was riding around on it, not letting me use it and tearing it up purposely, so I didnt wan na pay for damages and the 2 to 3 month accumulated bill that she was supposed to be paying so I told them to come get it and they did, then after it was all said and done, they closed it out. So in my head XXXX thinking it should be off my credit report by now, its been 5 years, 5 years of not being able to proceed with my life all because of a XXXX XXXX XXXX thats being held back because of a heartless womans decisions. And when I have called them they want a ridiculous amount to even start paying it back. Im not made of money. Im not trying to be a XXXX with them. But Ive been punished enough.
Product: Debt collection

debt collector refused to release lien on my property after I paid There was not a description above that matched my problem! 

the agreed amount in full. I paid debt as requested on XX/XX/XXXX and per CA laws should have gotten a release filed with County in XXXX days. 
I have contacted them by phone and in writing at least XXXX times without any response. 
It is now XX/XX/XXXX XXXX days since payment and no release provided by debt firm. Debt firm says they do n't have a substitution of judgment but per superior court records they got one on XX/XX/XXXX from XXXX collections ... previous owner of the debt ... there is no excuse for not providing the required release!!!
Product: Money transfer, virtual currency, or money service

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 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 requirement
s under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A Section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

I leased a car from Mazda Financial in XX/XX/XXXX. I paid all XXXX lease payments in a timely manner without any late payments. Almost all of the payments were made using the online auto pay feature. I reconciled my bank accounts each month to make sure the payments had gone through. 

The lease matured on XX/XX/XXXX. My intention was to purchase the car in full, which I later did on XX/XX/XXXX. 

My understanding was that the car lease gets auto extended for a period of up to XXXX months if no action is taken. 

I was out of the country from XX/XX/XXXX to XX/XX/XXXX. During this time I did not notice that my XX/XX/XXXX lease payment did not get auto withdrawn from my bank account. 

By the time I returned, I attempted to make a payment using the Mazda website and phone app, as I had done for the previous XXXX years. 

The website and app directed me to call a phone number which was always having very extended wait times when I call during my limited daytime availability. 

Since I intended on purchasing the car within the coming couple of weeks, I did not overthink the need to urgently make a payment. I had paid all of the XXXX lease payments. 

I later received a credit report alert that my account was 30 days late because the payment was to be due on my lease maturity date of XX/XX/XXXX since I had yet to return the car. My credit score dropped by XXXX points. 

I initiated a dispute with the credit rating agencies which sustained the damaging remark. 

Upon contacting Mazda Financial services, I was informed that due to my lease maturing, there became no way to make online payments. Despite seeing in my XXXX and XXXX Mazda account statement on page XXXX that payments can be made online, I was unable to do so. This is clearly misleading. 

If possible, I would have gladly paid off the entire car balance if the website would have managed that capability as Ive done in the past with XXXX. 

Mazda Financial services is unwilling to adjust my account despite the Mazda system being not user-friendly post lease maturity date and the call center having extended wait times.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX XXXX XXXX and XXXXlation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive 2017 data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data.

Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach.

Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : Equifax failed to implement safeguards to ensure the security of sensitive consumer data.

Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Equifax engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.