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

XX/XX/2024 I deposited a check in the amount of {$1600.00} made out to my Landlord. My Landlord does not have a bank account so we went to my local Chase Branch. We were both there to endorse the check and provide identification. It was explained to me that the check or the funds may be on hold for up to 10 days. My Landlord and I were in agreement that would be fine. Well, XX/XX/2024 the bank made the funds available and they were posted to my account. When, I went to withdraw the funds from my account it would not allow me to. I went inside to speak with someone at the branch. They explained to me that a restriction was placed on my account but she reassured me that it wasnt a problem. After trying to remove the restriction she had to call another department. At that time I was told that until my landlord is verified through the phone database that is used by Chase, they could not remove the restriction and allow me to withdraw any funds. My Landlord physically came into the bank and signed the check. They are going to verify him again. I informed them that my Landlord uses Prepaid phone services so its almost impossible to find him in the database. I attempted to provide them with his number but they refused. I requested them to return the check to my Landlord but they stated they can not do that. They would continue to try and verify my Landlord by phone but they would keep the check. Chase closed my account. Why? I dont know. So, the date is currently XX/XX/2024 and no resolution. Ive been to the branch dozens of times and spoke with a personal banker. He escalated the matter twice. I returned to the branch to check status and now he is on leave for 30 days for maternity leave.
Product: Vehicle loan or lease

It originally took forever for them to come get their vehicle after they agreed to pick it up. Eventually they came. I believe XX/XX/2015. I could no longer pay for it as it was still hard to find work until it began to pick up in late 2015. After I was able to save enough to pay them a settled amount ( which was a ridiculous amount for a car they got back and I only drove for four months ) they agreed to accept it and remove me from collections and take it off my credit report if I paid that day. Thats what I did. The loan was about XXXX I paid them over XXXX in the settled amount for a car that was worth XXXX. I waited approximately two months for it to be removed and contacted them several times to ask why it was still there and they continued to tell me the credit reporting agencies has nothing to do with them. I finally filed a dispute with the credit reporting agency to find out that the creditor reported that its still supposed to be there. Lawfully yes but thats not what they promised and I didnt get it in writing first! Lesson learned!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on more than two occasions requested that XXXX and TransUnion remove an alleged bankruptcy which they are reporting under my name in my their credit files. Letters which have been composed by me have repeatedly asked them to validate and verify the alleged bankruptcy and both companies have corresponded that the bankruptcy has been verified from the company which provided the information to them. The company which they are speaking of is XXXX XXXX and that company has no such bankruptcy listed in my file. I have received a copy of my XXXX XXXX file and see no such information within their database. On another level of complaint with the same erroneous and alleged bankruptcy information, according to the new law effective XXXX XXXX, XXXX any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. XXXX ( Report # XXXX, dated XXXX XXXX, XXXX ) and TransUnion ( File # XXXX, dated XXXX XXXX, XXXX ) have not provided this information on the credit report that they maintain in my name. This is a violation of the new law. Because I have repeatedly inquired with both companies and they have both claimed that it is verified, the erroneous information does not have the minimum required information listed in this alleged bankruptcy, and they are not willing to do the proper investigation into this matter, I am requesting your assistance with this issue. I have credit file documents ( provided here ), certified and return receipt mailings from the United States Postal Service ( provided upon request ) to  further solidify my complain which I am presenting. I am very frustrated with both companies and their lack of diligence and because this incorrect information is being reported, offers are not being executed. There is no such bankruptcy being reported on XXXX and XXXX ( both provided here ) and this information was also sent to the two credit bureaus as well.
Product: Debt collection

PENN CREDIT HAS BEEN SENDING ME COLLECTION LETTERS AND ADAD TEXT MESSAGES TO MY CELL PHONE FOR TOLL CHARGES BELONGING TO A PLATE NUMBER XXXX XXXX XXXX XXXX XXXX. I DO NOT OWN THIS VEHICLE AND I IT HAS BEEN CONFIRMED THE VEHICLE DOES NOT BELONG TO ME. THE TEXT MESSAGE SENT TO ME FAIL TO GIVE ME MY MINI-MIRANDA RIGHTS UNDER THE FDCPA. I DISPUTE THIS DEBT AND DEMAND AN INVESTIGATION AND SEND ME THE RESULTS OF THE INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 US C 1681 Section 602 states, I have a right to privacy.

15 US C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Student loan processor ( Heartland/ECSI ) charging RIDICULOUS fees. As much, or greater than XXXX % fee PER PAYMENT on debit cards. Most banks will either not charge processing fees for debit transactions, or charge a VERY VERY small one ( as per Dodd-Frank legislation that passed a while back ) so this is an additional XXXX % ( or more - see attached evidence ) interest burden tacked onto an already burdened population of student loan repayers. For some, who choose not to give these crooks direct access to their bank account, there is no alternative aside from a debit card in order to pay. This additional & gt ; 6 % is just an atrocious fee. Especially when 6 months ago it was not in existence. There was no notice provided by the company, and aside from providing direct access to my bank account, there is no alternative to pay without a fee on debit just like ALL of my other loan processor. Granted, there are only XXXX others that I deal with, however, their practices are MUCH more palatable to the consumer- it is quite apparent that they are providing a service, as opposed to sticking it to their customers for financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Vehicle loan or lease

My brand new XXXX XXXX ended up a total loss XX/XX/2015. All payments were made on time during loan term. XXXX XXXX paid value of the vehicle XX/XX/2015. The final balance was {$2000.00}. 

Gap insurance was not paid in a timely manner & now Nissan has marked all of these payments late on my credit report. After numerous hours over the phone, they refused to mark any of the payments on time. 

I would never even consider walking into another Nissan dealership until this is fixed. The loan has been paid in full and I am left to hurt from this deal.
Product: Credit reporting, credit repair services, or other personal consumer reports

signed up for credit Karma after divorce to rebuild credit, was informed a soft inquiry would occur, and mislead that pre-approvals would get me cards to increase my credit score and rebuild. INSTEAD, was only approved for 2 of the 6 cards they indicated my chances were excellent and herd inquiries showed on my credit REDUCING or MAKING MY CREDIT SCORE GO DOWN
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the ongoing presence of fraudulent items on my account, despite repeated attempts to address the issue. This letter constitutes a formal complaint concerning the 11th unsuccessful attempt to remove these unauthorized entries. The continuous presence of fraudulent activity has caused me significant stress and inconvenience. As a valued customer, I rely on your institution to safeguard my financial interests and promptly address any security breaches. The repeated failure to remove the fraudulent items undermines this trust and raises serious doubts about your institution 's effectiveness in handling such matters. Kindly help me conduct a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, as well as implementing robust measures to prevent their recurrence in the future. 

Furthermore, I request transparent communication throughout the resolution process, including regular updates on the progress made and the measures being taken to rectify the situation. Additionally, I expect fair and adequate compensation for the prolonged inconvenience, distress, and any financial losses I have incurred as a result of this ordeal. Please help me remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX, KY XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any accounts are reporting inaccurately on my credit report they should be removed immediately XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.
Product: Credit reporting or other personal consumer reports

Its a XXXX on my consumer report which Equifax keep stating that XXXX is report it. XXXX does not have a XXXX  on my consumer report. Equifax keep refusing to remove this off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process is 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: Debt collection

Complaint 1. 

Consumer Portfolio Services ( CPS ) has refused to acknowledge and comply with the consent decree issued on XX/XX/XXXX which states : credit overcharges or permanently forbear collection on the account including by never 1 )  reporting the account to a consumer reporting agency, 2 ) seeking to collect a deficiency balance or 3 )  selling the account ( image 1 ).

- CPS has never refunded charges on the first loan that was opened in XX/XX/XXXX. Even after paying off the balance on XX/XX/XXXX, they still reported late payments to the credit bureaus in XX/XX/XXXX and XX/XX/XXXX ( image 2 ). 

- Unfortunately, I went against my better judgement and co-signed for a relative in XX/XX/XXXX. The car got repossessed in XX/XX/XXXX and was re-sold in XX/XX/XXXX. CPS continues to report the account status as charge off to purposefully decrease my credit score ( image 3 ).

Complaint 2. 

CPS misrepresented fees owed in monthly statements, modified loan terms and billing cycles without proper notice. 

- In a written agreement dated XX/XX/XXXX, they failed to disclose the financial effects of loan extensions, lied about payment methods and adjusted the original term. As outlined in the document, the maturity date was changed to XX/XX/XXXX. However, billing and reporting records list this date as XX/XX/XXXX ( image 4 ). 

- CPS sent billing notices between XX/XX/XXXX-XX/XX/XXXX which shows the same principal balance and past due amounts even though I made payments during that time period ( image 5 ). 

- CPS reported the first delinquency in XX/XX/XXXX and the account was never brought to current status within 180 days of this date. Theyre intentionally reporting the wrong charge off date by three ( 3 ) months to inflate interest fees on the past due amount and the principal balance ( image 6 ). 

- The VIN report shows that CPS re-sold the car in XX/XX/XXXX which is approximately five ( 5 ) months after repossession. They also delayed crediting the proceeds payment to the account balance in effort to collecting higher interest fees on the past due amount ( image 7 ).

Complaint 3. 

After repossession, I contacted CPS legal department to gather information and to get my personal belongings. I was placed on long hold times and hung up on which violated my right to redeem the car or reinstate the loan. 

By Ohio Law a creditor must provide written notice to the borrowers, including a Notice of Repossession and Post-Sale Notice that complies with the requirements of the Uniform Commercial Code : - Send notice of default and the right to cure to the debtor within five ( 5 ) business days. 

- Send another notice at least ten ( 10 ) days before the sale that states the time and place of the sale. 

- Any resale of a repossessed vehicle must be conducted in a commercially reasonable manner. 

- The creditor may not keep or sell any personal property found inside the car and must tell how you can retrieve your items.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and I have an account with Wells Fargo I was using anther company to make wire transfer because it was less expensive This time they asked me to call Wells Fargo to get Advance Access code and when I did they told me that I should receive it by mail during 3 business day I told the agent that I couldnt way for three days so she told me to go to the office bank and do the wire transfer through Wells Fargo I asked to speak with supervisor named XXXX and after explaining the issue it just simply hang out
Product: Credit reporting or other personal consumer reports

According To the XXXX XXXX XXXX XXXX, this company does not have a collection agency license in the state of Texas. Please Provide me with the collection agency license number for Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX/XXXX  Account # 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
Product: Credit reporting or other personal consumer reports

hard inquiries as followed are all FRAUD and i did bot approve any inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXXV - Account Number:XXXX  Please supply information on how you have verified this item. 

XXXX XXXX XXXX - Account NumberXXXX  Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX - Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported XXXX does not accurately reflect my payment history, and therefore violates this provision. 
Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 
I have always valued my relationship with XXXX  and have made all my payments on time, except for this instance, which I believe may have been an error or the result of such as a delay in payment processing. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be deleted off my credit report. I never lived at the address of service. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible.
Product: Debt collection

ARS ACCOUNT RESOLUTION IS PUTTING MULTIPLE FALSE MEDICAL DEBTS ON MY CREDIT
Product: Credit card or prepaid card

About two years ago I was receiving unemployment benefits ( I live in NJ ), and I was being paid via Bank of Americas CashPay program. 

I had to make a dispute because my card had several purchases I did not make. The lady told me they would investigate and reimburse me based on their decision. A few days later I was reimbursed. A few weeks later my account was frozen and the balance was changed to around negative {$3000.00}. Also, I could no longer claim the remaining 10 months of Unemployment Benefits which would have been over {$10000.00}. 

I tried everything. I called the NJ Unemployment Office everyday, I called Bank of America everyday, but they told me it was the other partys problem to fix. I never received another dollar from NJ Unemployment. Bank of America eventually reversed the Fraud decision and put my balance back at {$0.00} instead of $ XXXX. By this time it was too late, the Covid unemployment benefits were finished and the deadline to claim it had just barely passed. 

I still have not gotten a call or email about it. Obviously, I also never received the {$10000.00} owed to me. 

Hopefully the new ruling will allow me to receive the Unemployment Benefits still owed to me, even after almost 2 years. I do want to say NJ Unemployment did NOTHING to help me. I called everyday for MONTHS. 

If you need anymore information feel free to ask. I really hope you can help!