23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/22 our bank ( XXXX ) wired {$27000.00} twice in error ( should have been done once ) to JP Morgan Chase to cover our payroll ( we have assisted payroll through XXXX ). The error was brought up immediately to XXXX who told us we had to go through XXXX to retrieve our money back. I have contacted XXXX multiple times, mostly by phone. I have emailed them documents as proof. Since XXXX has a relationship with JP Morgan Chase, they have been in contact with them. The first excuse as to why we don't have our money back was because JP Morgan Chase tried wiring it to us but it got bounced back to them. The second excuse was they had put a check in the mail ( in XXXX ). The third excuse was they had to hold it for a 12 week concession ( dated XX/XX/22 ) which would mean XX/XX/22 was the end of 12 weeks. The fourth excuse was a bank change form had to be filled out ( was already done and sent to them in XXXX ). It's been 4 months and there is no reason why we haven't received our money back. We are a small non-profit business ( private school ) and we really need these funds returned to us. JP Morgan Chase admits they have our money, but for some reason won't return it?!
Product: Credit card or prepaid card

In XXXX, I overpaid Genesis Indigo card. There wasn't anything wrong with my account until after that was done. My balance showed {$44.00} which I paid three different times then, I paid {$73.00} with a representative who told me it was received. They continued telling me payments weren't going thru so, I called my credit union on three-way and she told me all payments went thru and if not where is my money? She faxed over my transaction history which they received on XX/XX/XXXX. I've gone back and forth with this company and now I'm being told about a card I've never had in my possession. They reported my account not in good standing. ALL OF THIS BECAUSE THEY WERE OVERPAID!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau reporting unverified public record in direct violation of FCRA, state and federal laws.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I applied for an Amazon credit card ( Chase Bank ). I have good credit ( credit score of XXXX on the day I applied ). This score is better than others who have obtained this card, according to my reseach. I have a screen shot of this score if you would like to see it. I have low utilization of credit and I pay all my bills on time. I was denied the credit only because I obtained bankrupcy 8 years ago. It is illegal to deny someone credit on the based of a status such as bankrupcy : "  Federal law provides express prohibitions against discriminatory treatment of debtors by both governmental units and private employers. 

A governmental unit or private employer may not discriminate against a person solely because the person was a debtor, was insolvent before or during the case, or has not paid a debt that was discharged in the case. 

I would like Chase Bank investigated for discrimination. The reference # of the letter I received is # XXXX. Thank you!
Product: Money transfer, virtual currency, or money service

I am writing to share my concerns about XXXX approach to handling disputes, especially in light of the recent CFPB lawsuit that has brought significant issues with the platform to light. Despite using XXXX frequently and reporting discrepancies, both my financial institution and XXXX failed to conduct a thorough investigation into my claims. I was told that recovering the lost funds was not possible and that tracking the transactions couldnt be done. The CFPBs findings suggest that XXXX has not only failed to adequately protect its users but has also enabled repeat offenders to abuse the system, putting consumers at risk of fraud. This lack of accountability and transparency is deeply troubling and raises significant concerns about the safety of consumers. In my case, an unauthorized individual was able to use XXXX to transfer XXXX XXXX XXXX XXXX XXXX from my account without my consent. When I turned to Bank of America for support, they refused to refund {$45000.00}, despite clear evidence of fraud. Their only justification was that the amount was too large for them to process a refund, offering no further explanation. Such a response highlights a systemic failure to protect consumers from legitimate fraud and provides little reassurance that institutions like XXXX and Bank of America are prioritizing customer safety and trust.
Product: Credit reporting or other personal consumer reports

I was a victim of a culinary school named XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nj. These people use we the urban people our information to scam the government. I was on XXXX XXXX news when I made my complaint back between XXXX. This is totally unacceptable and unconstitutional.I am totally hurt and disgusted that I was used as a pawn in the corruption and scandal of these scammers. Now its is effecting my credibility with the government also my high honors achievements as a student bares no value in the culinary profession. This will be corrected and my account with the student loan needs to be suspended permanently due to fraudulent activity. President Biden has the program for student loan forgiveness and I need to be apart of the program as well. And when you do find these scammers prosecute them all to the fullest extent of the law. What they have done was a Major federal crime and violated the constitutional rights of the citizens of the United States.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several phone calls to the bank listed as well as XXXX XXXX and the credit department 's due to a credit card application which was approved and shortly canceled once I called the fraud department ... an inquiry was made on XXXX- XXXX XXXX and I believe on XXXX XXXX which was not at all my doing ... .I 've complained about the inquiry showing on my credit report since XXXX..I 've also made several calls and " they '' always tell me to call the next person/company am not getting any positive results especially since we know it was fraud and the account has been closed I ahouldnt wait the inquiry wait limit for it to drop off
Product: Credit reporting or other personal consumer reports

I don't recognize the following Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Been disputing for quite a while with the credit bureaus.
Product: Checking or savings account

I closed my account ending in XXXX on XX/XX/2023. On XX/XX/XXXX XXXX XXXX XXXX  sent a refund to this account. Bank of America are telling me that the no longe have access to the funds, and they should have been sent back to XXXXXXXX XXXX XXXX However, XXXX XXXX XXXX XXXX is telling me that the no longer have access to the funds and to reach out to a Bank of America. I am getting the run-Around, and would like the funds returned.
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Inaccurate Accounts To Whom It May Concern, This is my fourth complaint regarding the gross inaccuracies on my credit report, specifically the two upgraded accounts that show ZERO payment history. This is unacceptable, and I am extremely frustrated.

Here are the specific issues with these accounts : Missing Payment History : There is no record of any payments made.

Missing Terms : The terms of the accounts are not reflected.

Months Reviewed : The report does not provide any information on the months reviewed for these accounts. 

I am not interested in your standard investigation procedures. I demand to know exactly who you spoke to at XXXX to verify my payment history and the source of the information you have on file. If you can not provide this proof and correct these blatant inaccuracies, then the only solution, per the Fair Credit Reporting Act ( FCRA ), is to DELETE these accounts from my credit report due to incompleteness. 
I expect a swift response with the required documentation. Failure to act will compel me to escalate this matter further. 
Sincerely, XXXX XXXX
Product: Student loan

I have tried for over 30 years to get he lp with a for profit school XXXX XXXX XXXX located in XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX ( XXXX ) was a for-profit post-secondary education organization in North America . Through more than 50 campuses and subsidiaries, it offered career-oriented diploma, Associates and bachelor 's degree programs in advertising design, architectural design, health care, business, criminal justice, transportation technology, construction trades, and information technology. 
XXXX XXXX XXXX XXXX, agreed to acquire remaining assets of XXXX XXXX XXXX in XXXX. At the time of the acquisition, XXXX XXXX was the world 's largest provider of education through mail or computers. 
The school missrepentation of everything from job pay and prospects. 
I now owe XXXX XXXX dollars almost all on intrest. 
I was advised to attend the school by the State of Iowa I was approved for Pell Grants and other grants To pay for this. 
The school was so bad that the teachers left in droves and they had other students teach. 
I learned next to nothing. I wanted to leave but was told by the school I would have to pay everything back so I stayed. 
I have never been able to get a job in computer repair or coding. 
I am now turning XXXX this month I have made so many attempts to settle things with no results I was finally able at XXXX to get a position in XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX I have been told I have made 109 qualified payments toward XXXX I just can't work full-time anymore. 
Can you help me understand why I can't get the debt forgiveness like other schools that were closed and debt forgiveness was given. 
I will now still be responsible for the rest of my life for at least XXXX XXXX dollars in intrest. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent ITEMSin my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit card or prepaid card

I applied for a credit card in order to access the presale for XXXX XXXX concert tickets. Upon completing I wasnt given a virtual card # and can not access one before 3-4 business days, which is AFTER the presale date. This is false advertising - and now I cant access the tickets, they cant hold any for me and they offered me nothing other than to file a complaint Internally.
Product: Credit reporting or other personal consumer reports

Honda Finance failed to properly investigate disputes about information it furnished to credit reporting companies. Additionally, they failed to send the results of investigations to credit reporting companies and consumers, when required. 15 U.S. Code 1681b ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a complaint with wrong information. I stated my chapter XXXX bankruptcy was discharged, actually it was Chapter XXXX that I filed and it was confirmed on XX/XX/2018. The discharge paperwork was sent through XXXX XXXX Circuit Court. I was informed that my credit profile would be updated. I'm XXXX, low income and needed to file.
Product: Checking or savings account

I bank with Regions Bank on XX/XX/XXXXXXXX  I went into a local branch and issued and deposited my government issued tax refund check I was told i would receive have of the funds on XX/XX/XXXX and the remainder XX/XX/XXXX then I received an email today XX/XX/XXXX saying that i would not receive anything to much later. And gave me information that was incorrect pertaining to my and my account I need help banks should not be able to just hold someone money and if so they need to provide why?
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of equifax data breach I want these items deleted from my credit report effective immediately
Product: Checking or savings account

In early XXXX opened an TD Bank checking account and transferred in funds. I did not receive checks. A visit to a branch to resolve the matter resulted in assurances the checks would be resent for a fee arriving around XXXX XXXX. None arrived. A call resulted in another assurance that checks would be sent, for a {$30.00} + fee, which the customer representative claimed was waived. Weeks later, nearly two months after opening the account, I have no checks. I have received a debit card. The bank has my correct address.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE FOLLOWING XXXX, XXXX, XXXX XXXX TO MY REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for unverified late payments to be removed from student loan accounts. You can not report a late payment of 90 days when the month before it was reported ok. 
5 Dept of EdXXXX XXXX XXXX XXXX payments being reported that are inaccurate and therefore unverified. 

XXXX, Transunion, XXXX, and XXXX are governed by 15 USC 1681 and they violated my rights numerous times.

There is no law stating that any transactions need to be reported.

According to 15 USC 1681 section 602 A I have a right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written consent and instruction. I never gave consent.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I have been writing to Discover about their fraudulent credit reporting on my for more than a year, and have gotten nothing but Fair Debt Collection Practices Act and Fair Credit Reporting Act violations from them in return. First, Discover continues to report fraudulent charges on my credit report. Second, at the same time as this fraudulent reporting on my credit, Discover sent the IRS a notice of " debt forgiveness '' and a 1099, both of which are clearly sanctionable FDCPA violations. A debt can not be " forgiven '' and simultaneously contrarily reported on credit ; and this debt was not forgiven, it was proven not to belong to me in any way and barred by limitations.

Third, as the attachments will show the vast majority of the allegedly owed {$15000.00} was accrued more than 7 years ago, and thus must come off of my credit entirely regardless of any dispute. Fourth, as the attachments show, the last usage of the card in question was XXXX, yet Discover Card is pretending that the last usage of this fraudulent card was XXXX or some later date when they finally got around to cancelling the fraudulent card. Discover must legally reveal the proper date of removal of all references to this card on my credit ... and that date must as a matter of be in XXXX. Discover refused to reveal this date in writing. And, fifth and finally, the charges from XXXX are revealing in that they are all from states all over America, where I've never lived nor in some cases ever even been ( please see attachments ).
Product: Bank account or service

States that my funds availability would be on the next day, my funds were n't released and a representative stated that I would receive a {$100.00} until the check clears. Called in the next day and a manager stated that 's not the case.
Product: Credit card

Capital one undelivered card and customer service and downgrade and identity theft affadavit unworked
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, Account name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states That 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 seven 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. And this inaccuracy is Stopping me from getting Approve for credit card nor by a car.
Product: Credit card

I applied online for a credit card with Pentagon Federal Credit Union. I was told in order to " apply '' for this credit card I would have to deposit money into a new account otherwise I would NOT be allowed to apply. 
In the application I was prompted to deposit an amount into a new account to process my application. 
Afterward the application was completed I hit the process button and was '' denied '' a credit card from Pentagon Federal. BUT they never offered to return the money I deposited for the purpose of applying for a credit card. 

Now I have a account I did not want to begin with, and feel this is a VERY DECEPTIVE business practice just to apply for a credit card and then be denied. 
Pentagon Federal should NOT require opening any account unless they " approve '' a credit card application. They should also be forced to refund ALL monies taken by this deceptive practice of denying credit card application in order to solict money to open unwanted accounts.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX fraud caller claims to be Chase Bank with security alert. From a catfishing number - XXXX. I sm being harrassed daily by these people. XXXX accent.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX XXXX To whom it may concern, On day XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same..

and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 

Account : XXXX XXXX XXXX