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

On XX/XX/XXXX, at XXXX I was meant to be wired a repayment from a good friend. She banks at Navy Federal Credit Union, the branch was XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The payment was international from XXXX to XXXX, and heading for my British account. 
The projected time of " funds available '' came and went, no money was received. My friend had to go back in to the branch, where it was discovered the clerk had filled in the form incorrectly, so a trace was initiated and the payment to me was promised in XXXX working days. That time also came and went. The money is missing, my friend was told her concern would be addressed in a " case by case '' decision, which is terribly unfair, and wrong. 
The bank lied about sending my British bank an email, also, as they don't subscribe to " XXXX '' payments, they assured her the " routing '' number, our version of a sort code, would find the missing money, which was not truthful, as only identified the branch, not a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan account credit reporting is reporting the mortgage account as " An Account With Adverse Information ''. My understanding is that this is inconsistent with the CARES Act. I have recently modified my VA mortgage after Covid-deferment and mortgage modification. I have fulfilled my obligations every step of the way. I have made the last four principal & interest payments early. This is not showing on my credit reports even though I have uploaded proof. My understanding is that the VA is behind on their paperwork and they owe my mortgage company a check for {$9800.00}. Well & good, but it isn't appropriate for there to be negative information on my credit report on that basis. Put the negative information on the VA 's credit report, by gum. Please see my uploaded and / or US Posted documentation which I have long since provided to the credit reporting bureaux. I am in process of restructuring my insolvent finances, so this incorrect credit reporting, which dropped my scores by about 150 points, could literally have life & death effects on me. So please do hurry to do that which will restore my credit reports. Thank you, yours sincerely, XXXX...
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for Business Unlimited card with Bank of America and I called in they told me wait on mail well once I got the mail I sent the documents that they requested and I waited and waited never heard anything back so I called XX/XX/XXXX and I spoke with XXXX in the business department and she told me I had been approved congratulations. Well when I woke up the next day I had an email from Bank of America saying I was not approved so I called to see what happened from one day to another and the supervisor rep told me that he couldnt say why look online and check application so I checked online and I noticed the decision date was the same day I called so someone manually took my approval away that day. So I waited over the weekend and left a bad review on XXXX for giving false information. I received a called from Bank of America XX/XX/XXXX and the rep told me she was going to file a complaint on behalf because she understands and I have a right to be upset and she said I would speak to a Credit Analysis and go over my application and see what can be done. When I was connected with them they said they could not find my application # or see one so they connected with merchant services for no absolute reason and merchant connected me with the personal dept and somehow they say hey XXXX youve been approved for {$500.00} card will arrive in 5-7 days and its just Really fishy how I never applied for a Personal card I initially applied for business card and there was no record of it until I spoke with a Personal relationship manager on the phone who somehow anonymously had my reference # for the business account and I actually think this is Discrimination and someone manually denied my application after I was approved and now that I pushed the issue they tried routing it to personal to just try to push something on me so I leave it alone but thats not the issue I will be retaining a Lawyer and suing Bank of America XXXX Someone needs to contact me immediately and help me with my Discrimination issue
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX OH XXXX. I HAVE INQUIRIES THAT ARE NOT MINES FROM A XXXX XXXX XXXX, XXXX I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES PLEASE DELETE REMOVE THEM.
Product: Checking or savings account

i have had an account with this company for years and somehow someone hacked my account and wells fargo closed my account without proper investigation or proof. also it looked as if someone accessed my accounts without my knowledge
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

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

I have been trying to get inaccurate things off of my credit report for a while now. I have informed XXXX, XXXX, and XXXX that I am a XXXX XXXX. I am a victim of identity theft and that there are numerous things on my credit report that do not belong to me, are inaccurately reporting, and it is keeping me from obtaining the things I need to get buy such as housing, a vehicle and other things. 
15 usc 1681 inaccurate reporting. 
XXXX is reporting that synchrony bank opened XXXX XXXX XXXX  was closed XXXX XXXX  as a charge off for {$5000.00}. 
XXXX is reporting that synchrony networks was opened XXXX XXXX XXXX  it says it is closed but does not give a date, it is charged off {$5000.00} XXXX is that synchrony networks was opened XX/XX/XXXX  closed as a charge off. XXXX written off. {$5000.00} credit limit XXXX highest balance. 
A charge off is considered a certificate of indebtedness. Which means it is income. Income should not be reported and must be removed. XXXX, XXXX, XXXX, and Synchrony networks are reporting inaccurately, unfairly and I have opted out therefore they are not respecting my wishes or the privacy of my personal information. Which is their duty according to The Fair Credit Reporting Act. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Debt collection

Worth Finance company is a scam. This company has too many bad reviews. They sent me a loan check in the mail back in XXXX of XXXX for {$1200.00}. ( I should have known it was too good to be true ) with a HIGH interest rate. Anywho, I have been paying them monthly until I lost my job last year in XXXX of XXXX. I told them about my situation. They kept calling me about making payments. I got frustrated with the MANY calls I have received. Of course I blocked their number and they called from SEVERAL different numbers. Even harassed my mom to where she had to block them as well. They also came to my home a few times to leave a letter which is pretty much harassment at this point. They were invading our privacy. Theyve also emailed me today, XX/XX/XXXX and I spoke with a lady over the phone about my situation. I tried emailing her back, but they have it set to where I can not reply back to them. She was still wanting me to make a payment and threatening me about taking it to court and possible taking me to jail. She did not allow me to talk and was talking over me when I stated they were harassing me and even came to my home a few times. Then she hung up the phone in my face. She knew they were wrong and didnt want me to say my peace on a RECORDED LINE. She was not professional at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently ordered my Equifax report online and discovered that there are accounts still reporting that are not relating to me. Equifax confirmation number # XXXX States the following accounts were deleted : XXXX XXXX XXXX ( both of them ), XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have recently spoken to one of the chairman of XXXX XXXX XXXX bank directly and they have stated to me that they sent in the request to have both of the incorrect XXXX XXXX XXXX XXXX accounts reporting on the Equifax report to be removed through their Universal data form twice!! I have proof and documentation directly from the bank but yet Equifax is still reporting both of the accounts. Both of the XXXX XXXX accounts were also removed by the bank however Equifax is still reporting them. XXXX XXXX XXXX also stated that they requested the removal months ago however Equifax is still reporting this. Equifax confirmation number # XXXX states that the XXXX account was deleted and removed. Equifax confirmation number # XXXX also States the XXXX account was deleted. Equifax is fully aware that I was a victim of identity theft ; they have received my documentation with the FTC ID affidavit signed and notarized including the police report and case number for their own investigation. Equifax has ignored the FCRA section 605B. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days the law permits Additionally, the asserted reason of conducting a 30 day investigation is not a condition of blocking under section 605B.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. Equifax needs to remove these accounts and send me an updated report. None of my reports are the same online.. they are all different with several addresses that do not belong to me. I only have two addresses that should be reporting on this report. The report Equifax sent to me dated XX/XX/2018 did not include an actual credit report. I don't know which one is right viewing all the different ones online and Equifax need to send me my credit report. 

XXXX XXXX SSN XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on there 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, credit repair services, or other personal consumer reports

This account is not accurate XXXX XXXX XXXX please send me a validation of debt and also they are violating FCRA law
Product: Money transfer, virtual currency, or money service

While under the impression of working for a company I was instructed to deposit a check of {$1800.00} and use some of the money, {$1700.00} to pay an advertising company as part of the training. On XX/XX/2022 I deposited a check at Bank of America and I withdrew the {$1700.00} on XX/XX/2022 after the funds had become available. The {$1700.00} was transmitted to the advertising agency per XXXX ATM. On XX/XX/2022 I was informed by the Bank that a sum of {$1800.00} was put on hold and on XX/XX/2022 that same sum was declined, the bank saying the initial check was fraudulent. 

My complaint is this, why would the funds become available for me to use if the check was not valid? It is not a safe or correct business practice to allow one to have access to funds and then take them back, this implies that the bank allows fraudulent checks to be deposited and in such scenarios it only hurts the customer. Instead of verifying the check and making the funds unavailable until the check cleared I was under the assumption that the check was valid and good since the bank informed me I could use the money once the funds became available. When I asked the manager of my local Bank of America they informed me that it usually takes 4-5 business days until a check clears, this is not a notification I have received before when depositing a check before, and if this is indeed the case why is the customer not notified? In the past I was only notified once my funds became available, not that the checks were clear or not. 

Now I have a bank account in the negative, since the bank has decided to take {$1800.00} from my account even though they had given me access to before verifying the check. Had the funds from the check been held until the check cleared that would not have been an issue. I do not believe that the customer should suffer the difference from such a situation, it should be the responsibility of the bank to make up the lost money if they give access to it before the verification. This transaction system does not provide a strong security to the consumer and it leaves it open to fraud cases such as this. It leaves the consumer open to fraud and in addition they make the customer pay. 

In this case the bank 's system failed to protect it's assets and mine by not verifying the check and the bank then transferred the responsibility and price of the mistake onto the customer.
Product: Credit reporting or other personal consumer reports

I just got my credit report and was devastated to find that I had so many errors showing on my reports. This inaccurate information being reported is very frustrating and I need this corrected immediately. I currently work XXXX jobs and need a new car, but can not get approved at an affordable rate. I can not rely on my current car for much longer and I need these inaccuracies fixed at once. This is not only affecting my ability to buy a car but has taken a significant toll on my mental health. I insist you remove any and all inaccuracies because it is a violation of my rights.
Product: Debt collection

Portfolio Recovery XXXX XXXX Credit card calls several times a day. I've informed them to contact me via mail instead of by telephone. I informed them that this debt is XXXX XXXX XXXX
Product: Credit card or prepaid card

My account with Barclays was charged off and I was trying to pay it so I could close the account. I initially called in XX/XX/2020 and was told the bill was sent to collections and they no longer had it " in house ''. They said my account was sent to XXXX collections. I then called XXXX on XXXX to try and pay the account, she said they had no record of it. I then called Barclay 's back on XXXX and tried to explain the situation and that I really just wanted to pay my bill, I was again told that she could not find my account " in house '' and that it had been sent to XXXX. I was told that someone from Barclay 's would contact me within 7 days-that never happened. 
On XXXX I had a conference call with Barclay 's and XXXX because after multiple calls no one at Barclays would give me my balance or seem to know where my account was. Barclays confirmed I had a past due amount of {$1800.00} that was verified by XXXX. I overnighted a check for {$1800.00}, which was cashed on XXXX. I then called to get a satisfaction of debt letter from Barclays and was told I still owed XXXX. I asked if they could charge off the small amount because I was told by XXXX on XXXX that I owed {$1800.00}. They said no. I then sent them a check for XXXX that they received on XXXX verified by the USPS. I called XXXX on XXXX and XXXX and no one there can find the check for XXXX even though it was certified, nor will they write off the XXXX cents. I asked them to please obtain the recorded conference call from XXXX and was told they would work on it but it could take some time. I asked them to please send me a satisfaction of debt letter and was told they could not as long as I still owed XXXX cents and when I tried to explain I paid it and they signed for receipt of it, I was told I would have to track the check through my bank. Please help me, I don't know what else I can do to get the debt paid and satisfied. I feel like I am being bullied and my account held hostage over XXXX cents I do not have a recent statement, so I will enclose an old one for informational purposes.
Product: Debt collection

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant anxiety and distress they are causing me.
Product: Debt collection

I settled with Arcadia Recovery Bureau on XX/XX/20 in the amount of {$140.00} - with the agreement that they would close the account. On XX/XX/20 Arcadia Recovery Bureau reported to credit agencies that the account is still open and I owe them {$23.00}. 

Arcadia Recovery Bureau said they would email me a confirmation email - which they never did ( I even checked junk ). The confirmation # is XXXX. 

There is a pandemic and economic crisis and there is no excuse for these sick games.
Product: Debt collection

In XXXX of XXXX, a credit report was run using my name and old address I left in XXXX to move to my current address. A cell phone was purchased at XXXX for approximately {$980.00}. The bill was not paid and since my old address was used, I did not receive any notices of delinquency. Started to receive debt collection calls from various collectors. I ran my credit report and noted the negative item of the unpaid XXXX bill. I disputed the bill with the Bureau 's and XXXX itself and after an investigation, XXXX determined I was not responsible for the charges on the account and sent me a letter from their Fraud department to that effect. XXXX said they had notified the Credit Bureau 's to remove the item but after 6 months the item was still there. I contacted XXXX again and asked that they again notify the Credit Bureau 's to remove the item. 6 months later, the item was still on all three Credit Bureau reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Verify This invalidated account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Verify This invalidated account XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I paid a balance of XXXX account off, balance was {$180.00}. XXXX charged my checking account XXXX different times. I contacted XXXX about the over payments. XXXX refunded me, via check, for the overpayment. 
About 2 months later then sent me a payment demand for XXXX, However I haven't purchased ANYTHING from the store, they alledge that that they have never received any payments from the XXXX/XXXX/2022 billing statement. I disputed this again, They reversed the charges. 
XXXX weeks ago I got ANOTHER billing request, allegedly saying that I owe them XXXX, After contacting them AGAIN, disputing this claim they advised me to get " proof '' of the payments. I went DIRECTLY to XXXX XXXX XXXX had a computer printout of the entire month bank statement and directy faxed such documents to " Synchrony Customer Care '' @ XXXX. I got the confirmation fax of reciept. 
In response XXXX DOUBLED the amount the alleged amount to debt to XXXX XXXX. Absurd. 
Please resolve this so I can move on from this XXXX long dispute. I paid my bill, I don't owe XXXX XXXX red cent.
Product: Debt collection

This company has called excessively with auto calls and hanging up when phone is answered. They have not provided proof of contract with them
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account numbers listed below has violated my rights.

15 U.S.C 1681 Section 602 A. I have the rights 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