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

XXXX XX/XX/2023 cash app Cash app is misrepresenting their services and are not making the proper changes in a timely manner, I spoke with 4 representatives due to an issue that is solely based on a discrepancy with cash app system I had funds transferred in order to handle my bills and personal matters and they are illegally holding my funds and not allowing me to make the proper transfers to my bank. A representative told me there was no issue on my end and proceeded to lock my account forcing me to a account hold which in these times which in many ways is deceptive and inconsiderate of the. Consumer then seek to bind me to a investigative period when I am told the issue is not on my end and I have matters personally that must be attended to. Cash app should diligently release my funds to me. The funds are rightfully and legally mine. 
The Dodd-Frank Act prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ) by financial institutions, including peer-to-peer payment apps like Cash App. Examples of UDAAP include : Misrepresenting the terms or costs of a financial product or service. 
Charging fees without disclosing them properly or in advance. 
Making unauthorized charges or withdrawals from a user 's account. 
Failing to investigate and correct errors in a timely manner. 
Using harassing or threatening collection tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting

LexisNexis has again allowed my information to be made public, and attainable even though I AM BOTH A VICTIM OF MASSIVE FRAUD, BUT ALSO A XXXX XXXX. This information I have repeatedly asked them to Freeze, I have sent in information and they instead " opt-out '' which isnt a Freeze. I have sent countless letters, and as such they instead send no COPY of my FULL FILE. This is against the law, as they must provide me a copy of my report and FREEZE MY FILE.
Product: Checking or savings account

On XX/XX/2023, I couldn't login to my Chase acct and I was being told the acct is locked and I need to call or go to a branch to unlock it. After I visited a branch, the banker told me the Chase is closing my acct and refuse to tell me why. A few days later my acct is closed but I didn't receive my remain balance in that acct so I called the Chase again and they told me my fund is being hold by their legal apartment and can't release the fund until the approve it. The amount is around {$5600.00}. It is been over 4 months and every time I called Chase they telling me the same thing that the legal team still reviewing it and there is no XXXX. Also they tell me they can't reach out to that team so there is nothing I could do except waiting. I really need my money back cuz I'm living pay check by pay check now and they even refuse to communicate with me.
Product: Student loan

I haven't been able to log into my account to even attempt to make payments since 2016. I've tried numerous times to have my information sent to me in order to log in, but somehow they don't recognize my social security number and birth date. I've requested forbearance at least 3 times already because it's my only option without logging in. All I had to do was reply " yes '' to their email, or let my account fall into delinquency. I want to pay my loans but they won't help me do it! I started out with a small loan and it's doubled in size because I can not do anything about it. This is incredibly frustrating and unfair.
Product: Vehicle loan or lease

My parents purchased a XXXX back in XXXX through XXXX XXXX  XXXX. My parents passed away in XXXX and XXXX respectively and the XXXX had been paid off for more than a decade. I received the title to the XXXX but when I went to get the XXXX registered and tagged they noticed a lien on the title from XXXX XXXX  XXXX. 
I know the XXXX was paid off in XXXX. We called and tried to get release letter from XXXX XXXX  XXXX. and found that XXXX XXXX  had been taken over or had merged with US Bank and US Bancorp. So we called and spoke to them numerous times and someone in there customer service dept admitted that they screwed up. She told us that she would send the release letter out right away and we should receive it in 7 to 10 days. That was three thru six months ago.We continued to call and each time I had to go over the same story which included the death of my parents, not only was it frustrating but I had to keep reliving my parents death each time I told them what happened. For six months they promised the letter was in the mail and that a mistake was made on their part but nothing was ever done and no letter was ever received from them. We haven't been able to tag or register the XXXX because of their inconsideration and constant lying about sending this release letter. We were referred to you from FDIC and don't know what else to do. How can a bank get away with this for so long. We must have talked to 20 different people who made promises but never delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX Unit XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX {$8800.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) XXXX {$710.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$65.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$0.00} XXXX XXXX XXXXXXXX {$710.00} XXXXXXXX XXXX XXXX {$8800.00} XXXX XXXXXXXX {$2000.00} XXXXXXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Creditor Name : XXXX XXXX XXXX XXXX Account number : XXXX I am writing to address the inaccuracies surrounding my account with your institution. On XXXX XXXX XXXX, I diligently made an in-person payment of {$1500.00} in cash towards my Personal Loan Installment at a local XXXX XXXX branch . I ensured the transaction was completed by obtaining a receipt, thus bringing my account up to date as intended. However, my confidence in your institution was soon shattered when, two weeks later, XXXX XXXX XXXX XXXX ( XXXX ) inexplicably reversed the {$1800.00} payment I made. To my dismay, XXXX applied this payment to an auto loan installment, which I also held with your institution. Consequently, this action caused my Personal Loan Installment account to fall into arrears, leading to its immediate charge-off in XXXX XXXX XXXX. I have received a notification stating that this same installment account was closed AND CHARGED OFF XX/XX/XXXX. This a CLEAR DISCREPANCY and INACCURATE information reporting ( Multiple violations and I requesting for this account to be deleted because of the inaccurate reporting ). I am deeply troubled by the negligent and fraudulent handling of my account. At no point was I informed or provided with written notice that my payment would be diverted to another account. This deviation from my explicit instructions to apply the payment to my Personal Loan Installment constitutes a breach of trust and a violation of my consumer rights. 

Considering these egregious errors, I am compelled to request immediate action to rectify this situation. Specifically, I demand the following : Deletion of the erroneous account from my credit report, as its presence is detrimental and unjustified. 
A comprehensive investigation into the circumstances surrounding the reversal and misapplication of my cash payment. I seek clarity on why this occurred and assurance that corrective measures will be implemented to prevent such incidents in the future. 
Transparent communication regarding the steps being taken to address this matter and prevent its recurrence. 
Please consider this letter as a formal dispute concerning the mishandling of my account. I expect a timely resolution to this issue and request confirmation of the actions taken within 30 days from the date of this correspondence. Failure to address this matter satisfactorily within the stipulated timeframe will leave me with no choice but to pursue legal recourse. Additionally, I will file formal complaints with the NCUA, XXXX, CFPB, the Attorney General, and other relevant regulatory bodies. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Your prompt attention to this issue is appreciated. 
The following supporting documents are enclosed for your review : 1. CARES ACT 2. 15 USC 1681b ( 2 ) ( a ) ( 1 ) PERMISSIBLE PURPOSE 3. 15 USC 6802 ( OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFO ) 4. 15 USC 1681 C-1 5. 15 USC 1666 ( BILLING ERROR ) 6. 15 USC 1666b ( TIMING OF PAYMENTS ) 7. 18 USC 8 ( I OWE NO DEBT )
Product: Money transfer, virtual currency, or money service

Gemini is fraudulently denying they received my wire even though I have provided numerous evidence that the wire was successfully transferred including a federal wire reference number. The company has not credited my account even though I wired the funds on XX/XX/XXXX. I have provided a federal wire reference number and other documentation including a screenshot from XXXX of wire transfer confirmation.
Product: Mortgage

When I closed on my home on XX/XX/XXXX the total amount that I went into contract with UMW and what was listed on the closing documents and I had agreed to pay for my mortgage was {$2800.00}. After the loan was secured and paid the company this agreed amount, UMW unexpectedly increased my mortgage payments to {$3000.00} with the explanation of an " estimated tax analysis '' and did not provide me a fair opportunity to discuss arrangements to keep the monthly mortgage to what had been agreed upon on the closing documents despite me advising that I applied and was approved for Homestead exemption and their projection of tax analysis is not a fair position to increase my mortgage amount. 

Secondly, I was sadly laid off from my job in XX/XX/XXXX, I am Single with only unemployment benefits of {$2000.00} a month to cover my expenses. I paid XXXX 's mortgage payment and spoke to several UMW representatives to advise of my current financial hardship situation to come up with a plan for XXXX 's payment. No financial assistance options were offered as other financial institutions have. UMW advised that once I allow the loan to become default that they can look into increasing the monthly mortgage payments to see if I can catch up. This seems unreasonable and an unfair practice.
Product: Bank account or service

I have a problem with Chase charging overdraft fees. The bank has been charging for overdraft fees when deposits were made to cover the negative balance. The transfers were made via the surepay/quickpay. We have been using this method to transfer funds for weeks without a problem. A couple weeks ago chase stopped posting the transfers as same business day even if the transfers were performed before their XXXX deadline. That change cost me {$100.00} in overdraft fees. We contacted chase to resolve the issue and asked them to refund the fees ; they did not refund the fees. Chase customer service told me that the quickpay cut off was XXXX. I made transfer via surepay into my chase account last night to cover some transaction at XXXX. That transfer went into my chase account balance immediately yet chase did not post it and again today charged me another {$100.00} in fees. We contacted chase and they refunded one fee of {$34.00}.
Product: Credit card

The company created this account. I do not have a credit card. The merchant they selected, XXXX, is also their customer so they moved the charges from Synchrony Bank to HSNs account. I have a transcript of my purchases for a year. It shows payment was made via XXXX XXXX XXXX and there is no balance due. They dont do anything but give lip service to these claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; XXXX, XXXX, Experian shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX bank submitted a letter stating account was XXXX days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not XXXX days past due.
Product: Checking or savings account

I have an account with Ava finance to help build credit. I have been making payments for the last 6 or 7 months with no errors. With Ava finance, the app has to access your account through the company called plaid in order to connect and make payments. If the your account balance is low, they will not take a payment. Ive tried several different ways to access this account even using different accounts that have funds to make money Payments, but Im unable to access the account for last two months and even still to this day. so no payment has been made and I still can not correct this. I have contacted Ava multiple times through both of my emails XXXX and XXXX and even been calling their phone line ( XXXX ) XXXX. Numerous times. An automatic reply comes back, tells me troubleshooting ideas. Delete the app reinstall try it again. It also asked you to send your drivers license so they can verify you. I did all of that. Still, I can not enter the account to make a payment. Ive called them no one answers. Someone replied back to one of my emails that the company reported the correct info to the credit reporting agency. Totaling ignoring the fact why the payment can not be made and didnt even address my concerns. The reporting agency dropped my credit score by XXXX points cause of this. They listened to the info from the Finance company but nothing is fixed and has not been addressed properly so I can fix this account. I want to fix this account and restore my credit to back to where it was without all this damage made.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still an account that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX  XXXX Balance Owed : {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX, I received one letter in the mail from Alliant Credit Union stating that my annual HELOC fee was coming due in the next month or so. The amount was {$50.00}. My account was set up for autopay, so I assumed it would be paid as normal. 

On XX/XX/XXXX, I was notified by a credit report tracking app that I subscribe to that there's been a change to my credit report. I logged in to see what happened, and my score dropped from XXXX to XXXX! I had no idea why, as I am always current on payments, pay my credit cards in full, and have no other debt outside of my mortgage. 

I saw that Alliant Credit Union reported me as a delinquent account because I did not pay the {$50.00} fee. I never received any communication whatsoever about a missed paymentno emails, no letters, no phone calls warning me I was past due. I called Alliant Credit Union immediately and asked what happened to my autopay, and they could not give me an answer. Of course, I immediately paid the {$50.00} fee and asked for them to contact the credit agencies saying there had been a mistake, but they did an " internal investigation '' and concluded they did nothing wrong. I asked for proof of past due bills, phone calls, etc. as they said I should have received some of these warning me I was past due, but they have provided me no such thing. I believe they completely dropped the ball and did not do their due diligence in letting me know I had a past due bill. 

I paid my HELOC off in record time in XXXX, and carry no balance with this company. I have worked incredibly hard for my credit score, and their reporting to the agencies without any warning to me is unacceptable. My score dropped nearly XXXX points because of this and they refuse to take any responsibility. 

I would like Alliant Credit Union 's initial reporting removed from my credit report, and their billing department investigated so that this doesn't happen to anyone else.
Product: Credit reporting or other personal consumer reports

I opened the account in XXXX of XXXX, and have been making what I thought were successful payments up until this month ( XXXX of XXXX ) where I noticed that my account was closed weeks ago and only 2 payments were recorded. My credit score has also significantly dropped despite on time payments. In addition to this, Self only recorded 2 payments ( so no payments after XXXX were recognized or accepted ) leaving a balance of XXXX XXXX on the account upon closure and then of that, $ XXXX would be kept to cover fees and and interest. So of my {$330.00}, $ XXXX will be returned to me. I called ( XX/XX/XXXX ) and asked why that is, and for a detailed report of payments and they told me I must provide a detailed report because I am the one inquiring, I asked why the payments were not reflected and they said that they cant tell me why. I asked to be transferred and they said if I want to speak to someone else Im free to call again and get put on a line with someone else but they wont help me either. This is beyond frustrating..
Product: Credit reporting, credit repair services, or other personal consumer reports

Onemain/Springleaf financial is ruining my credit by refusing to report accurately to the major credit bureaus. 

When I initially called to settle my account, I was advised that it would show as settled with a 90 day delinquency. I wanted my account to show as settled in full, current. They advised that in order for this to happen, I would need to stretch my payments out over 6 months so that it would not reflect as settled in full with a delinquency. Thats their first illegal activity. 

I spoke with XXXX from the XXXX XXXX executive office of customer care who advised me that they did not know that it was possible for an account to show as settled as full with a delinquency but they will look into it and call me back. On XX/XX/2022 I received a letter from Onemain stating the following that they investigated my dispute ( after I sent one in writing ) and that they sent the following updates to the credit agencies : Balance $ XXXXamount past due {$0.00} Last payment date : XX/XX/2022 Update the payment history to match our system of record. 
Account status : current Delete the first XXXX of delinquency. 

I received a credit monitoring alert last week that the account was updated to current. This morning I woke up to credit monitoring alerts stating that one main is now reporting my account as 120 days delinquent!! I am extremely upset with the incompetence of this predatory lending service and will proceed with filing official complaints. I am also entitled to damages as Onemain has negligently failed to comply with its obligations under the FCRA. I want the delinquencies on my trade like from one main removed as well as {$10000.00} in damages.
Product: Credit reporting or other personal consumer reports

I made number of disputes on company regarding incorrect reporting and transunion didn't provide me with how they are verifiy this information i haven't recieve mails from this company XXXX XXXX XXXX, XXXX XXXX  at all even though they said they sent information to me.