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

A merchant accidentally took out 2 payments instead of just 1. Both payments caused my funds to be extremely low. I called the merchant to reverse payment and they said it was going to take 3-5 business days for them to review the issue. I needed the money immediately because that was all I had and Im a XXXX  XXXX. So I called Wells Fargo customer service line and the banker issued a stop payment since it was still processing according to the Wells Fargo app. There was a {$31.00} stop payment fee. The banker told me I could get my {$31.00} back as soon as the merchant review my payment. I called the merchant back 6 days later and they said there was an stop payment issued and everything was good to go. So I called the Wells Fargo customer service number again and the Banker told me that I couldnt get the full {$31.00} refund but that I could only get back {$23.00} as a courtesy because the automated system takes my account activity and relationship into consideration when issuing my waiver. Also, she told me that she did not have the option of refunding all my money. Even though clearly it was a merchant error, Wells Fargo still took my money that I was supposed to get back.
Product: Checking or savings account

I recently became aware that if I had direct deposit with Bank of America I should not have been charged a monthly maintenance fee of {$25.00}. I have had this account since XXXX  and they have charged my account a fee since that time. When I asked the branch manager why I was being charged he was apologetic and said that the practice of no fee for accounts with direct deposits had been in place for years. They agreed to waive the fees going forward and refunded me {$60.00}. They did not change my account or the account number they just adjusted something in the computer and said I would no longer be charged. I emailed their main office leadership team and someone from the Consumer Escalation Dept at Bank of America called me listened to my complaint and said they would raise up my concerns to the leadership team at Bank of America. Four days later they called me back to let me know they could not assist me with any additional refunds.

This is unfair practice they will continue to charge a fee to all the customers who never ask why and dont charge all new accounts being opened and or if the bank representative chooses to tell some but not all of the customers. To me this is inequitable treatment of customers who perhaps are not able or do not know to ask it is unfair and different treatment.
Product: Student loan

I refinanced my student loan with XXXX on XXXX XXXX 2016. The check was sent to Discover on XXXX XXXX 2016 and cashed the following week. They have not reported to the credit agencies that the loan is closed. They also have yet to provide a closing statement and refund me approximately {$1100.00}. This also has dinged my credit score because today, due to their lack of action, I currently have XXXX student loans outstanding. Their customer service and misinformation is very stressful.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 i mailed a letter requesting verification of inaccurate accounts listed on my credit report. I didn't recieve a response so I mailed another letter on XX/XX/2020. Still no response so I mailed another letter on XX/XX/2020. Still no response. It's been 6 months total and these inaccurate accounts are still showing on my credit report.
Product: Money transfer, virtual currency, or money service

Money was sent to me using the Square Cash App ( mobile ) from a friend on Friday XX/XX/19. The money was deducted from her account and has not been received by me to date. The company does not have phone support. I have to email them and wait 24 hours for response. I have sent two emails with no response.
Product: Mortgage

I decided to refinance with a different bank but Key bank is not responding once they knew about it. I requested KeyBank for their permission to use the appraisal done ( paid by me at {$500.00} ) but I am not getting any responses back. I reached out to them on XXXX Its very unprofessional for them to treat customer this way once they knew they are not getting the business for the mortgage refinance. I was professional enough to let them know the change in direction as the rate was higher compared to the other bank I decide to go with.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute regarding the inaccurate account information on my credit report that was not properly investigated and removed in violation of the Fair Credit Reporting Act ( 15 USC 611 ). Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/XXXX I previously submitted a dispute ( XXXX CFPB-XXXXXXXX ) to your agency regarding the above-referenced account, providing evidence that the information is inaccurate and requesting its removal from my credit report. However, I am disappointed to learn that your investigation did not result in the removal of this inaccurate account. Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. It is concerning that despite providing evidence of the inaccuracies, the disputed account remains on my credit report. I am requesting that you conduct a thorough re-investigation into this matter and take the necessary steps to correct the inaccuracies in accordance with the law. Please provide me with a written explanation of the results of your re-investigation and actions taken to rectify the inaccuracies. Summary of Discrepancies : XXXX. High Balance : XXXX reports {$0.00}, while TransUnion and XXXX report {$680.00}. XXXX. XXXX. Last Verified : Only TransUnion reports a date ( XX/XX/XXXX ). Date of Last Activity : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Date Opened : Different dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX and XXXX ). XXXX. Balance Owed : XXXX reports {$10.00}, while TransUnion and XXXX report {$0.00}. XXXX. XXXX. Closed Date : Only TransUnion reports a date ( XX/XX/XXXX ). Account Rating : XXXX reports Derogatory, while TransUnion and XXXX report Paid. XXXX. Creditor Type : XXXX lists National Credit Card Companies, while TransUnion and XXXX list Bank Credit Cards. XXXX. Creditor Remarks : Different remarks from each bureau. XXXX. Last Payment : Differing dates : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). XXXX. Account Type : TransUnion reports Secured credit card, XXXX reports Credit line secured, and XXXX does not report. XXXX Credit Limit XXXX XXXX reports {$0.00}, while TransUnion and XXXX report {$500.00}. XXXX. Two-Year Payment History : Discrepancies in charge-off ( CO ) reporting months.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. NO CONTRACT XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I am filling a complaint with Cash App ( Block.Inc ) due to inadequate customer service and unfair practices, which violates the Customer 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 for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of a late payment reported on my credit file, which I believe is inaccurately reflecting my credit history. 
Upon realizing the issue, I immediately contacted XXXX to address the situation and rectify the missed payment. However, I was disappointed to find that the bank provided no satisfactory resolution and failed to take responsibility for the improper delivery of the statement. They informed me that the only recourse available was to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Given the circumstances, I believe it is unjust and inaccurate for this late payment to be reflected on my credit report. The late payment was solely a result of the bank 's failure to deliver the statement in a timely manner, despite my efforts to ensure prompt payment.The late payment in question is in relation to my account with : XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Balance : {$97.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$130.00}.
Product: Checking or savings account

Me and wife where in middle of divorce. She controlled the account since XXXX. She passed away XX/XX/XXXX. I have since found out that the account is negative {$18000.00}. She had tried to deposit multiple fraudulent checks and had many transactions for {$10000.00} that cleared the bank and then where pulled back by the sending bank. Bank of America failed to protect the account and allowed this to happen many times. Now that she's passed away and my name is on the account they are asking me to pay and threating to place me on some bank list for check fraud. I've had no access to this account since XX/XX/2022. It seems all these transactions happened between XX/XX/2022 and end of XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Despite XXXX  numerous attempts to address the presence of XXXX, XXXX, and XXXX  information on XXXX XXXX report, the issue remains unresolved. The inclusion of these items has profoundly impacted XXXX XXXX, causing significant XXXX  and XXXX. It is crucial to reiterate that I did not authorize or consent to the XXXX  of this information with XXXX XXXX, as I have fallen victim to XXXX XXXX
Product: Debt collection

This Jefferson Capital keep automated calling my work and my house phone that I owe money. I asked to stop calling my work. However, they still calling my work.
Product: Credit card or prepaid card

My Synchrony/XXXX XXXX credit card account was closed on XXXX XX/XX/XXXX. I had a balance of about {$450.00} when it was closed. Synchrony still expects me to pay the full amount owed, with interest. The account in question was never delinquent and had a credit of around {$1000.00}. When asked why my account was closed, in addition to being told it was an automated selection based on creditworthiness, I was also told by XXXX the accounts manager that it could be for any reason, really.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act Experian Credit Reporting Agency has violated several of my rights. Under the FCRA, credit reporting agencies must report accurate personal information, I've reached out multiple times to Experian to remove this address ( XXXX XXXX XXXX, XXXX, NY XXXX ) from my credit report because that address never belongs to me, my only ever address is the one attached on my bank statement attached and above on this complaint. the wrong address on my Experian Credit Report must be deleted immediately. 

thank you
Product: Credit reporting

I am attempting to have a tax lien withdrawn from my Experian credit report. I 've attached documentation to support my request. I have n't been successful when I 've disputed to have my file updated.
Product: Vehicle loan or lease

I Requested XXXX in XXXX that XXXX provide all the requested documents above which was sent via Certified Mail Return Receipt Requested Via XXXX to Validate the Debt and amount because they never sent a certified letter letting me know that they were under Texas XXXX and XXXX XXXX XXXX disposing of the collateral after default. 
So that I may exercise my rights as follows! 
XXXX sent a letter stating that they're not required to respond to a fraudulent claims! 
XXXX refused to send any and all documents and when I filed a Complaint on the XX/XX/XXXX with the Better Business Bureau and their response was that I can not Rescind The Contract, when my issue was the Procedures were not followed by XXXX prior to the reporting to my Credit which violates the fair Credit Reporting Act! XXXX want me to send them Personal Identification before they send me proof that I am Liable for the Debt which is in Clear Violation of the Fair Credit Reporting Act! 
The XXXX XXXX and XXXX was requested in XXXX and it is XXXX XXXX years later and they still have refused to do so! Therefore this reporting to my Credit Report shall be REMOVED IMMEDIATELY BY XXXX FROM ALL CREDIT REPORTING ANGENCIES! 
XXXX ANSWER TO MY DEMAND AS IS REQUIRED BY LAW IS THAT I PROVIDE THEM WITH PROOF OF MY IDENTITY BEFORE THEY'LL FOLLOW THE LAW!
Product: Mortgage

I've been attempting to get my XXXX  owners insurance issues with the escrow fixed since XXXX when I bundled it with my XXXX  insurance. I paid the home owners in full for a year but they're still tacking it on my XXXX XXXX XXXX after I've asked repeatedly to get it removed from my payment. It makes it harder to change company 's as rates change. I've been told I'll get a follow-up with the escrow department for months now and have yet to hear back or get the letter in the mail they claim to be sending. I've also made payments and it states I haven't but they have my money. I've not been happy with Freedom Mortgage since our loan was bought and have no recourse. I've gotten feedback I need to do everything through their secured messages on their app when it decides to load. And if I attempt to attach files, it starts over. I am fed up at this point waiting and now it's going to affect my XXXXXXXX XXXX  payments which is making it harder on my budget.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. /s/ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XX/XX/XXXX are incorrectly reporting two accounts that were closed in XX/XX/XXXX. Two accounts XX/XX/XXXX account number XXXX, and XX/XX/XXXX XXXX are actively reporting each month. Both were included in a Chapter XXXX discharged XX/XX/XXXX. Experian and XX/XX/XXXXare reporting these creditors updates every month, which may be seen as an attempt to collect a debt, a violation of the FCRA regarding bankruptcy. When I contested this practice, Experian and XX/XX/XXXXupdated those accounts to look like the accounts are current as of XX/XX/XXXX. Experian andXX/XX/XXXX will not fix this, which may violate them FCRA. I have been denied credit due to this error.
Product: Credit reporting or other personal consumer reports

on XXXX, i sent the CRAs ( XXXX, EQUIFAX, AND XXXX ) letters requesting the inaccurate information they are reporting on my credit report be deleted ASAP. You are in violation of 15 USC 1681e ( b ), because it states that it has to be 100 % accurate and correct before information is reported on a consumer report. Furthermore, the information is reporting inaccurately and incorrectly and request that the tradelines be deleted from my consumer file. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, you are also required to do a re-investigation, per 15 USC 1681i5. 

i have attach a copy below for your reference
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 practice, which violates the Consumer Financial Protection Act ( CFPA ) 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 EFTA and regulation E. As a result I encountered a financial loss and I am seeking appropriate redress for these violations.
Product: Debt collection

In XXXX of XXXX I had a motorcycle accident. I went to an emergency room for treatment. The hospital then submitted the bill to the VA for payment as Im a 100 % XXXX veteran. In XXXX the doctors group who treated me had submitted the bill to the VA for payment long after the required time the VA allows for medical bills. The original company never contacted me and just reported the debt to my credit. In XXXX of XXXX I contacted the VA because I was still receiving bills. The VA had made it clear to me they waited 5 months to submit the bill when they only have 3 months to submit the bill for payment. The VA explained to me and the debt company as well as the doctors group they failed to submit the bill in a timely manor for payment. Now I have a new debt collection company calling me without telling who they are or why they are calling. They want me to give them sensitive information without them telling who they are or why they are calling. Just two weeks ago this company has reported to my credit again. The new company has also been told the debt was submitted after the time period for reimbursement. The new company is also reporting on my credit at least once a week. 

The name of the new debt company is Radius Global Solutions LLC. The original debt belongs to barracuda XXXX XXXX XXXX. The account number is XXXX. 

Both agencies have been told because the original party did not submit the bill to the VA in a timely manor it would not be paid. The VA also had their debt collection group try to handle this and they refuse to stop trying to collect and continue to report and ruin my credit.
Product: Debt collection

The first and only document I received from Bay Area Credit Service was full of false and incorrect information. The document is threatening me with interest at 8 % but I never received a 30 day window to dispute it in the first place. The document also never mentions that the debt will be placed on hold while I dispute it. This document has 1 phone number with 1 person on the other end acting as multiple people. I tried going to the website for further proof as there is no email for me to contact, and the website is a scam. Each button and function I click takes me to an " error '' page. Also, this website has multiple phone numbers listed and not a single one matches the phone number on the document I was sent. I called to dispute my " debt '' and when I asked for an email copy of an itemized statement and proof that they are a legitimate debt collector, they would only respond by questioning me about what they must send. I told them I dispute the validity of the debt and they simply replied that I have to call my insurance. These people are referencing an ambulance ride I had from over a year ago which was fully covered by my insurance at the time, as I had already met my deductible. The website is www.bayareacredit.com/compliance and the phone number is XXXX. I recorded the errors I had from the website and noted the date and time I called.