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

I am in North Carolina identifying site for new center that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. I was referred to a business banker, we spoke and seemed polite, provided link to upload, and then I had an appointment the following Wednesday. I followed up on the Monday prior to ensure no new information needed as I have an urgent RFP I'd like to submit and need new banking for compliance. She stated she would not be meeting with me or opening an account, no details. Also claimed she called me, I had no voicemails until I escalated the matter. I pressed on reasoning why, she just kept stating 'I was a fraud '. I asked repeatedly what specific concerns so I could address, she finally stated due to out of state DL ( I'm evaluating the area to open another site, of course I'm from out of the area - expires in 2030 ) but she refused. I asked to be escalated, following Wednesday the bank manager called to inform me during due diligence they noted the business registration had been dissolved ( I had advised of the clerical error in XXXX and that was already resolved, and had include certificate of good standing with my documents submitted, proactively and included these details in my initial communication. ) But he was the first person to tell me that was 'their ' reason ( although by time banking was being opened, it was resolved, hence certificate of good standing ) and then went on to say, " we wouldn't be a good fit for their 'conservative " bank ''. As a minority business woman, I can only read this one way. I've since found out, this is common practice in this region and why so few women have been successful in their ventures, I also know they have pending internal discrimination case. I would not give them my business, regardless, but someone has to take a stand to balance these scales, as this is one of the known barriers. I've successfully launched many operations in my career, even working for XXXX XXXX at one point, I know what I experienced violated my rights, not every women striving for a better life may be aware. I am filing this complaint so we get to root of these issues and find common ground, as this is humiliating and holding us all back.
Product: Money transfer, virtual currency, or money service

I sent 3 transactions totaling XXXX to my broker through my bank. Had 2 of them recalled because I changed my mind but could not recall the third transaction which was for $ XXXX. 

I have all the documents from my bank and my chat with the broker rep. Im still out XXXX Please help
Product: Debt collection

My son, XXXX XXXX XXXX, received notice that XXXX XXXX sent him to Nationwide Credit XXXX Inc. to collect {$900.00}. This was his former employer, XXXX 's XXXX XXXX XXXX ( company card ) and he submitted every receipt ( I uploaded them to their company site myself ), all used FOR COMPANY USE. This was NOT a personal card. He can't be held responsible because XXXX didn't pay!!! This is ridiculous and XXXX XXXX says they can't access the info because it went to Nationwide and Nationwide hangs up on you siting an " error '' while on hold. Please help.
Product: Debt collection

I have sent them XXXX letters requesting they provide my proof my signature and the agreement or remove it off of my credit reports. They have failed to respond to any of my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to XXXX, XXXX and Experian XX/XX/2022 in regards to items reporting inaccurately on my report. It has been well over 30 days and I havent received an update on this investigation. The credit reporting agencies are not complying with their own policies in a timely manner
Product: Money transfer, virtual currency, or money service

Bank of America owes me money for my unemployment history of hard work a debit card that was issued to me by Bank of America from EDD Was hacked now I have gone back-and-forth with Bank of America each car lasting up to more than an hour explaining the same things over and over come to find out they can not mail me a new card to my address. I recently sent them a demand letter but I also need to file a complaint with your organization.
Product: Student loan

Around XX/XX/XXXX, I enrolled in college that I had seen on TV called XXXX University. I had watched them on TV and fell for the promises to get a better paying job once I graduate. I graduated from XXXX University with a XXXX XXXX in XXXX XXXX and I was very excited, but I later was unable to get a job in my feild. I decided to go back to school for my XXXX XXXX in XXXX. I enrolled in XXXX  XXXX XXXX at XXXX only to learn that my credits from XXXX University were not fully accredited to proceed to get my XXXX XXXX. They told me that in order for me to get my XXXX I woulds have to get another XXXX XXXX because I went to a school that was not accredited. I am one class away from recieving my XXXX XXXX at XXXX  and I am currenlty taking classes recieve my XXXX  XXXX  XXXX XXXX XXXX. On my credit report right now it shows that I owe a total of {$57000.00} for XXXX University dba XXXX XXXX and I dont think its fair that I have to pay that considering that they have a numerous lawsuits and enforcement actions against them and also because the college was very decieving. XXXX University is no longer a University it closed in XXXX.
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 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 caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 requirements 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, credit repair services, or other personal consumer reports

Equifax : I am disputing why my credit score dropped XXXX points in XX/XX/2022 for my XXXX XXXX mortgage account upon coming out of my CARES Act Forbearance. This is unfair & detrimental to me given that my mortgage company offered me NO normal alternatives for coming out of my forbearance. Contrary to what they told me when I entered into the forbearance, they would not allow me a deferral nor a loan mod. I had to fight and escalate this matter for over ONE YEAR to get them to take the appropriate action and now my credit has suffered as a result? XXXX XXXX has known instances on record where they do not honor normal remedies for coming out of the CARES Act forbearance which has caused many of their customers to lose their homes. I am thereby requesting that this be remedied & reflected appropriately on my credit report. I do not understand why my score took such a drastic hit given that I have no late payments recorded and was able to make partial payments throughout the duration of my forbearance period. The loan mod was not under a federal government plan simply because XXXX XXXX would not allow it to be as such. The only reason the mortgage amount had increased by {$10000.00} was because XXXX XXXX wouldnt remedy the situation sooner. Thank you.
Product: Debt collection

in XX/XX/XXXX I received notice to appear in court which I did. I disputed the debt at that time. The lawyer stated he would get proof and I didn't need to stay there. ( nameof the collection agency at the time was XXXX, XXXX XXXX XXXX which is now only XXXX XXXX XXXX ) shortly after I received a judgement notice. I have disputed this numerous times over the years. XXXX XXXX XXXX have sent letters to an address in which they Know I did not reside. I lived at XXXX XXXX XXXX XXXX in XXXX. they were sending letters to XXXX XXXX in XXXX. I have never resided on XXXX XXXX. in one court hearing they requested mediation then failed to show up stating they didn't need mediation as they had a judgement. they have never been able to prove this debt yet now have a wage garnishment. sa {$1000.00} alledged debt has risen the {$2000.00} with additional court fees. they were advised that I owed child support and owuld through XXXX yet continued to take me to court regularly to add on additional unnecessary fees. this is a predatory collection agency that violates the laws hoping the debtors don't understand them. Current name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX ( XXXX ) XXXX the name on the collections is XXXX XXXX . I legally added a name to my birth record in XXXXwhich became XXXX as that is the first documented name. I think once a debtor refutes a debt and asks for proof the company should be required by law to provide that proof and maintain it through final collection of said debt. to this day they can not provide a signed document showing I purchased anything.
Product: Payday loan, title loan, or personal loan

I haD recently applied for a personal with XXXX XXXX AND A5 FIRST I MET THE criteria was about to finalize the loan then they sent me an email stating I dont fit the criteria anymore which I know I do. Im gainfully employed my credit score matches. The only reason I suspect it was denied was because of my nationality. When my other friends who are of a different race went in recently and gotten a loan through them never questioned their credit score they are behind in their mortgage credit payments etc ...
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost an entire year, I 've been trying to work with Equifax to delete inaccurate information from my credit report. I sent disputes in writing on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX .     Equifax is reporting that several of my accounts were " Included in bankruptcy '' but that is not accurate.     The only accounts that were included in bankruptcy have already been deleted from my credit report by the credit grantors.     The following accounts need to either be deleted or updated as closed and " paid in full '' accounts :  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  ;  XXXX    XXXX   XXXX   from  XXXX  with account number :  XXXX  ;  XXXX   XXXX  from  XXXX  with account number :  XXXX  I am requesting validation from Equifax because this is not the information I receive when I contact these companies individually. For months, Equifax has disregarded my disputes as frivolous and they ask me to contact the companies because according to their investigations, the reporting is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, XXXX  XXXX  inform you that there is no third party involved in the process. I sent letters XXXX  Equifax Credit Bureau the date of the last letter was on XX/XX/2021. XXXX  now we are in the month of XX/XX/2021 XXXX  still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law XXXX  continued XXXX  report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Checking or savings account

so I Inserted {$XXXX} dollars into the atm after I checked to confirm the deposit amount it only showed an amount of {$XXXX} and not the {$XXXX} so of course I cancel the deposit and sure enough only {$XXXX} is returned from the atm! It ate the remaining {$XXXX} and it was not credited towards my account. After this I tried depositing the {$XXXX} that the machine spit out and sure enough that was deposited no issues and reflected to my account, and like I said the other {$XXXX} was never reflected to my account. This happened on XXXX  XXXX and the amount of time its took them to even conduct an audit on the atm is not acceptable, I expressed the concerns of my car payments and insurance that I would not be able to pay unless a provisional credit was placed and I was told that it would likely happen within XXXX days well that never happened. I had to cancel my car insurance and am essentially begging them not to repo my car. And this is all due to XXXX  XXXX XXXX stupid atm stealing my money. 
Ps I specifically had inserted XXXX / XXXX dollar bills XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX dollar bill
Product: Credit card

I was not able to make last month 's payment to Discover Card, because I needed to pay my Bankruptcy Attorney. On XXXX XXXX I started to get the collection calls. My bankruptcy attorney advised me not to answer the calls until I could provide them with my case number. My phone number is confirmed in their system, as I have made many calls to them from this same number in the past. Per FDCPA, collection call attempts are limited to XXXX times per week on a verified number. On Thursday XXXX XXXX, I received XXXX call attempts.On Friday XXXX XXXX I received XXXX call attempts. On Saturday XXXX XXXX I received XXXX call attempts. This totaled XXXX call attempts for last week. On Monday the calls continued. On Monday, Tuesday, and Wednesday, I received XXXX call attempts per day - totaling XXXX attempts and the week was n't even over. Additionally, I received XXXX messages, and neither of them included a Mini-Miranda as required by FDCPA. The XXXX message was received on Monday XX/XX/XXXX XXXX. According to FDCPA, the collector must allow XXXX hours before re-attempting after leaving a message on a verified machine. My full name is provided on my answering machine, thus it was a verified machine. The XXXX message was received on Tuesday XX/XX/XXXX at XXXX. My Chapter XXXX bankruptcy case was officially filed on Wednesday, XX/XX/XXXX. I answered the XXXX attempt from Discover Card that day at XXXX, and advised the representative that my call was being recorded as well. She advised that Discover Card does not " give me permission '' to record the call. I ignored her. She then proceeded to discuss my account details without proper verification, and she did not recite the Mini-Miranda either. I stopped her and advised I had filed bankruptcy. She acted as though she did not believe me. I provided my attorney 's name, attorney 's number, chapter XXXX, and case number. She then continued to try to collect by stating that I 've had an excellent payment history in the past, and that I would have difficulty getting a discharge because my last purchases were as recent as XXXX. I advised her that she would need to speak with my attorney in regards to the matter. She persisted, and tried to convince me that I would have a difficult time filing. I again advised her to contact my attorney. The call was then terminated. Later that evening at XXXX on XX/XX/XXXX I received a collections email from Discover Card indicating my total balance, my past due amount, and the Mini-Miranda was finally provided. Regardless, I had provided my bankruptcy information XXXX hours prior to this.
Product: Mortgage

I pay about {$2500.00} extra each month to go directly toward principal on my loan. I have to call in EVERY month to tell them to put the additional on my principal. I called on the XXXX of XXXX to tell them they needed to be sure to apply the money correctly. I checked my online statement on the XXXX, and not only had the money NOT been applied correctly, but my principal balance had gone up by {$1000.00}. When I called and asked what was going on, I couldn't get a straight answer from the clerk. I asked to speak with a supervisor and after waiting for over an hour, I was told a supervisor wasn't available. I was told that my account would be corrected by the following Monday. The XXXX XXXX XXXX XXXX  not only was my account still not fixed, but the balance on my account was now up another {$2000.00}. When I called, again no one could explain it and no supervisor would speak with me. I called again on the XXXX, 2 times on the XXXX, 2 times on the XXXX, and 2 times on the XXXX. I asked to speak with the bank manager on the XXXX and was assured that I would receive a call back by no later than the morning of the XXXX. I still have not received a call from the manager or a supervisor. And my account is STILL NOT FIXED!! It shows that I am past due on my XXXX payment when they received my payment on the XXXX. I have never dealt with a worse bank in my entire life, and no one will return a call.
Product: Credit reporting or other personal consumer reports

CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX Subject : Dispute of Charge-Off Account Under 15 U.S. Code 1601 Dear Sir/Madam, I am writing to dispute a charge-off entry on my credit report, which I believe is inaccurate and violates the provisions outlined in the Truth in Lending Act ( 15 U.S. Code 1601 et seq. ). 

According to my credit report dated XX/XX/XXXX, there is a charge-off listed by XXXX XXXX with the account number XXXX. However, I contend that this information is incorrect and does not accurately reflect my credit history. 

Under the Truth in Lending Act, creditors are required to provide accurate and complete information about consumers ' accounts. I believe that the information regarding the charge-off is inaccurate for the following reasons : 1. Lack of Verification : I have not received any verification or validation of this debt from [ Creditor Name ], despite multiple requests. As per the Fair Credit Reporting Act ( FCRA ), creditors are obligated to provide verification of debts upon request. 

2. Inaccuracy of Reporting : The reported charge-off amount does not align with my records of the account. There might have been errors in the calculation or reporting of this debt. 

3. Statute of Limitations : If applicable, the statute of limitations on this debt may have expired, making it unenforceable and ineligible for reporting. 

In light of the above, I request that you conduct a thorough investigation into the accuracy of the charge-off entry. I ask that you provide me with the following : 1. Documentation validating the debt, including the original signed agreement. 

2. Proof of the last activity or payment made on the account. 

3. Any other pertinent information related to the charge-off. 

I also request that you temporarily remove the disputed charge-off from my credit report during the investigation process, as allowed under the FCRA. 

Please provide a written response within 30 days as required by law, detailing the results of your investigation and any actions taken. If you are unable to verify the accuracy of the charge-off, I request that it be promptly removed from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
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 XXXX5 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 XXXX 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. 

XXXXXXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account XXXX XXXX
Product: Credit card

On XX/XX/2024 there was XXXX payments posted to Bank of America XXXX XXXX and XXXX which I accidently made. Bank of America use to 'hold ' my XXXX XXXX XXXX but was at some point moved over to XXXX XXXX. I accidentally made XXXX different payments via Bill Payer through my XXXX XXXX one for {$77.00} and {$890.00} totaling {$960.00} to Bank of America. Unfortunately, my account had been closed when XXXX XXXX took over and they can't find my closed account with my old account number, or social security #. On XX/XX/2024, I called my bill payer and they sent proof of payment to bank of america asking them to refund me. Bill payer told me to wait XXXX business days before I called bank of america which XXXX did on XXXX XXXX to find out the status. Bank of America told me it would take XXXX business days and at that point any $ that they couldn't find a " home '' for would be sent back the way it came. So I waited until XX/XX/2024 and called. They gave me a big run around saying it would take XXXX days and they would send me a check, I asked how they would do that when they can't even find my account to get my address, etc. I asked to speak with a manager or supervisor and/or someone in the department that handles funds that come in and have nowhere to go and they said those people will not talk to the consumer and only to the banks, etc. I called my bill payer back again and they referred me back to Bank of America. I get it it was my mistake but that doesn't give bank of amercia the right to my XXXX IT ISN'T THEIRS! This is outright theft!!!
Product: Mortgage

A loan I had with Wells Fargo Home Mortgage was transferred to XXXX XXXX XXXX in XX/XX/2019. XXXX XXXX XXXX claimed, according to the information that they received, I was 30-days behind on a loan payment, which I was not. I requested that Wells Fargo please tell me which month their records show I missed payment, so that I could show my bank statements proving they had received payment. I had requested this full payment history from Wells Fargo for months before they transferred the loan, yet they never provided this information. XXXX XXXX XXXX also claims it could not provide this information, as they only have the payment history sent to them from Wells Fargo. Instead they have requested that I fill out an application to pay this extra payment on the back end of the loan. I want a full accounting from Wells Fargo, their records are incorrect, and I have bank statements to show my payment history.