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

On Monday XX/XX/23 I went into branch of Bank of America and opened a deposit account. Teller gave me direct deposit form and I gave to my employer on XX/XX/23 after holiday. Without any warning they closed my account on Thursday evening. No email, no phone call, nothing to give me a heads up so I can get my finances in order. My direct deposit went in on Friday. I asked for an escalation for me to get my funds from bank on the Thursday XXXX. Im a father of XXXX with bills and work very hard has a construction worker. My kids had no food all weekend. I could not feed them because Bank of America has my pay check. Its now Monday they have not had breakfast and now its looking like they wont have lunch. My daughters birthday is also tomorrow. I live paycheck to paycheck. I need my funds. The only thing the bank is telling me is I have to wait for an update from a department no one can talk too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Allied collection agency has a collection for XXXX on my XXXX report that is false and incorrect t please help me get it removed
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX for reporting inaccurate ininformation on my credit report for over four years. 
In XX/XX/2020, XXXX XXXX XXXX closed two of my credit accounts due to an alert on my identification. I was unable to verify my identity online, so I was instructed to mail in my verification documents. However, due to the COVID-19 pandemic, I was unable to do so immediately. In XX/XX/2020, XXXX XXXX XXXX closed my accounts, which resulted in a XXXX drop in my credit score. 
In XX/XX/2020, I agreed to reopen one of my accounts, the one with the lower credit limit of {$300.00}. XXXX XXXXXXXX XXXX  sent me a new credit card with the correct account number and credit limit. I began using the card and making payments on time. 
However, when I checked my credit report a few months later, I noticed that XXXX XXXX XXXX was reporting the wrong account. They were reporting the account that I had refused to reopen, the one with the higher credit limit of {$700.00}. 
I contacted XXXX XXXXXXXX XXXX and asked them to fix the error, but they refused. I have contacted them multiple times over the past four years, but they have continued to report the wrong account.

As a result of this error, my credit report has been inaccurate for over four years. This has made it difficult for me to obtain new loans and credit cards, and it has also negatively impacted my credit score.

I have documentation of the bills they sent me. To this day when I log into their website the correct account with the correct credit limit shows up that other account that they're reporting on my credit reports is not there it has never been there they've never sent me a bill for it or anything they just report in the wrong information and refuse to remove it they say all three credit bureaus is the reason why they're not reporting the correct information but they're not giving me a reason why they're t reporting the wrong information
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed some accounts that is fraudulent. i was shock to know that i am a victim of identity theft. I'm currently in the process of purchasing a family home but i am having a hard time due to the negative accounts on my credit report. Please remove negative accounts at your earliest convenience thanks in advance. 

inquiries XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Student loan

I submitted an application for the income-driven repayment plan ( SAVE ) back in XX/XX/2023 with Mohela, who is my loan service provider. Since then, I have called at least once a month to check on the status of the application, because it was not getting processed. I was repeatedly told that it would take around 10-15 business days. On late XXXX, the customer service specialist I spoke with said that for some unknown reason, my application did not get processed, and she sent it to a higher priority list. She said there was nothing missing from my end ; it was a delay from Mohela itself. Again, I was told that this time it would certainly take 10-15 business days. It is now XX/XX/2023, and the application is still under processing. Because of the delay, interest is being accrued on my loan. I have repeatedly asked if there was something missing from my end, and the answer I always received was no. I have done my part since XXXX, and I'm still waiting three months later for Mohela to take care of their end.
Product: Prepaid card

I got a {$300.00} Amex gift card. I was unable to use the gift card at online stores like XXXX, XXXX, XXXX, and XXXX. I also tried adding the gift card to my XXXX XXXX and I was not able to use it at restaurants and shops.
Product: Debt collection

I received a phone call and then a letter dated XX/XX/2020 from AmSher Collection Services XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX in regard to a 'unpaid balance ' to XXXX XXXX. I have never had an account with XXXX XXXX and to the best of my knowledge they have never been in this area, and I have lived here 36 years. 
I received another phone call from them today and explained exactly what I said above. I have notified all three credit agencies XXXX, XXXX, and XXXX XXXX. 
Amsher Account # : XXXX
Product: Mortgage

I was approved for a Hamp Tier modification by my mortgage company and I do n't believe it was completed correctly. The mortgage company states it is correct. I have been unable to get answers to specific questions from the mortgage company or Hamp. My final permanent modification increased my mortgage payment.
Product: Money transfer, virtual currency, or money service

Tried linking my account to a XXXX stock trading account and wasnt allowed
Product: Credit reporting or other personal consumer reports

I have had several inquiries on my credit report that I have no knowledge of. 
I got the alerts via email and followed up with the credit bureau and was advised to fill out a complaint. 
XXXX XXXX of the inquiries are back to back XXXX on XX/XX/XXXX XXXX XXXXXXXX and Amazon And XXXXXXXX additional inquiry on XX/XX/XXXX from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX : {$34000.00}
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit reporting act NATION STAR MORTGAGE/Mr.Cooper Acct # XXXXhas violated my rights under 15usc.1681 section 602 states I have the right to privacy under 15usc.1681section 604A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions. Under 15usc1666b A creditor may not treat A payment on the credit card account Under an open consumer credit plan as late for any purpose. Paid as agreed PAANL. 
Exclusions.-Except as provided in paragraph, the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Money transfer, virtual currency, or money service

I am filing complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices which violates the consumer protection act ( CFPA ) Specifically, cash app failed to take timely and effective measures to prevent adress 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 Regulations 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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I recently disputed late payments reported on my account. However, I have not received proper verification proving these late payments are accurate. Under the Fair Credit Reporting Act ( FCRA ), I request a detailed record, including my signed agreement, payment history, and any documentation proving the validity of these late payments. If Santander can not provide this proof, I ask that these late payments be removed from my credit report. '' I noticed late payments on my credit report from Santander, but I never received any signed documentation proving the accuracy of these reports. Under the Fair Credit Reporting Act, I am requesting full verification of these late payments, including any signed agreements or original documents used to report this information. If you can not provide proper proof, I request that these late payments be removed from my credit report. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the XXXX filing. 

CBNA is reporting this on my Home Depot card account and my CITI Card account
Product: Credit reporting or other personal consumer reports

theres a hard inquiry on XX/XX/year> I didnt authorize by XXXX is a bussines credit card I dont have a bussines and I didnt authorize that. I deman to be clear off my report and according to 15 us 1681 If a hard inquiry is " not authorized '' under 15 USC 1681, it means the credit check was pulled without the consumer 's consent or without a legitimate reason allowed by the FCRA, potentially constituting a violation of the law. take this off from XXXX XXXX  and equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, Ive been a victim of identity theft. Im sent over 10 letters and ftc reports to Transunion and they continue to ignore them and ask for proof. They say they have did an investigation. Which its no way this information could be validated a state of mind because its fraudulent. Please show me who you spoke with at the company who sent you a signed contract how did you verify this did not to computer automated system these dates are all fraudulent someone stole my identity
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 168i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation for the following accounts : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On first week of XX/XX/XXXX My aunt and me went to Kia of XXXX to see if she gets approve by the dealer to get a car, they checked and said she do not qualify so they check my credit and said I did qualify, but I already had to loans with them but they insist the after one year I was able to put the car under my aunts name and I was going to be out of the loan, in XX/XX/XXXX we went to check that to do the change of name in the car but They said that they can do that that is imposible and so many excuses the reason why I signed for the loan was for what they told us, I need to get the car out of my name and ghey do not want to do anything, I do not know why they are giving false information. Thank you for your time
Product: Mortgage

XX/XX/XXXX reverse mortgage solution purchased a regular loan from a company now call XXXX XXXX. For the amount of {$18000.00}. My mother was unaware that this new company was a reverse mortgage loan she made payments from XX/XX/XXXX to XX/XX/XXXX. 
She died in XXXX Reverse mortgage has denied they receive payments from her but the bankruptcy judge made them submit fraudulent payment history. I have asked RMS to simply show us the deposit slip or some sort of transaction where they put in XXXX to her account they never did. I contact the IRS for her her W-2 forms from XXXX to XXXX there was never any installments in her account and never in a large amount of money deposited. 
RMS foreclosed submitted some sort of unverified paperwork and now have their name on her home. They have tried to evict me over seven times I went to court eviction court today. The judge refused to understand that this was a case of title not eviction we now have five days to either pay {$2200.00} to get an appeal or vacate my mothers home after 50 years. I would prefer to fax these papers to you tomorrow but in five days I will be put out of a home. 
my mother repaid a loan they denied that payment but we have proof from A company called XXXX XXXX provided me with the closing cost of {$18000.00} in XXXX. Please help us as soon as possible.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX 2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Money transfer, virtual currency, or money service

Dear Bank of America, I previously notified you that I am a victim of identity theft, and requested that you do the following : Investigate unauthorized transactions on my account Cancel my card Issue me a new card and account number, and Restore any funds withdrawn from my account without my authorization. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. My XXXX account was used for the following unauthorized transactions : Account Number : Charge : Date : XXXX {$700.00} XX/XX/2019 I did not authorize anyone else to use my card in any way. 
I am notifying you of the above unauthorized transactions, in accordance with the Electronic Fund Transfer Act. See Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205.6, 205.11. 
I request that you investigate any unauthorized transactions involving this card, including but not limited to those listed above. 
Please cancel my card, issue me a new card and account number, and restore any funds withdrawn from my account without my authorization. Please send me written confirmation of these actions.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to REGION/AMS/REGIONS BANK about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX, TX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I showed proof of fraudulent activity and was still denied help.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

A friend of mine wrongly sent me {$880.00} on Venmo ( intended for a different 'XXXX  ' ). Unknown to my friend, I'm unable to access my account due to restrictions Venmo has placed on it due to it being in a collections ' status over a disputed account deficit. 

As a result, my friend is " out '' {$880.00} and Venmo will not comply with our requests to reverse the transaction. ( reference Venmo customer support case # XXXX ) My claim/complaint : Venmo has no right to leave my account to appear " open and active '' while restricting my control over how my personal information is presented to the public and/or prior Venmo network/relationships/friends. 

This is their way of " collecting '' funds, but their method is a violation of both my rights as a consumer and private individual. 

It is essentially " theft by deception '' and illegal seizure of assets through false representation. If they wish to collect on an account deficit, they can do so adhering to the laws of the Fair Debt Collections Practices Act.
Product: Checking or savings account

I am writing to formally file a complaint regarding overdraft fees assessed on my Navy Federal Credit Union account. Despite having sufficient funds available at the time transactions were authorized, I was charged overdraft fees due to delayed posting of charges and credits. 

This issue appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ) co

ncerning similar practices at Navy Federal, where transactions settled with insufficient balances despite initially available funds. I find these practices to be unfair and respectfully request a thorough review and investigation of my account transactions. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Someone from a XXXX area using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX, has tried multiple times to open several credit cards in my name. I do not know this person and i did not authorize these inquires. This is all the info i could get on the inquires. 

XX/XX/XXXX XXXX XXXX  @ XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX @ XXXX XXXX XXXX, il XXXX XX/XX/XXXX XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX XX/XX/year> XXXX XX/XX/year> @ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  SD XXXX XXXX XXXXXX/XX/year> - XXXX XXXX XXXX XXXX OH, XXXX XX/XX/year> XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX  DE, XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX UT XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX ky XXXX XXXX XXXX ( finance ) - XXXX XXXX. 2023 @ XXXX XXXX XXXX XXXX XXXX, il XXXX
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 1 Please remove the following inaccurate address from my credit report JPMCB CARD XXXX DE XXXX USA According t the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair credible report act please remove immediately