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

On XX/XX/XXXX chase bank who i bank with sent my mortgage ( i do not have bill pay through the other bank. I set up a one time payment to be sent on the XXXX because i recieve money on the XXXX of each month.the XXXX landed on a sunday so it came early Right when my money hit my account on the XXXX XXXX payments of XXXX $ each were taken out and sent to mortgage bank leaving me with no money. I set up One payment to be sent on XXXX. I needed to pay my mortgage so i called customer service and after 3 calls ( i had to get a bit agressive and told them its my money i want it back ) they reversed it. The night my money was taken i had to tak my sons dog to XXXX XXXX. He needed to see the XXXX  and we were told his XXXX XXXX XXXX. I was on the phone with customer service crying for my money and he said that i set up the payments because nobody but me has access to my account. 
2 years ago right after i left for 7 weeks in XXXX the same thing happened at same time of year but all my bills were being sent out 2-3 times during month with random amounts and really depleating all my travel money.. Again i had to spend allot of time listening to these people telling me i set it up. Chase bank also told me i had to contact all the companies myself - no spology- no help with anything. 
With this time they sent both mortgage payments back when i asked them to send one in tto the mortgage. My payment was late dinging my credit and the other bank charged me XXXX $ late fee. I ten found out that chse Sent XXXX  & XXXX XXXX payments in XXXX. And XXXX last month. I have it set up to send XXXX $ a month. XXXX payments of XXXX and oe for XXXX $ all on random days- last molnth the same. 2 years ago the same thing happened. I want them to see what the issue is with my account- these people actually hve the nerve to tell me i set it up- i have also been to the branch 3 times- the llast one was day before yesterday for 2 hours only to have the same lady tell me again thst i st it up. That is shere ignorance if not stupidity because who in their right mind would set up their mortgage tobe taken out 2 times. XXXX XXXX is who i had 2 meetings with she was supposed to talk to the manager XXXX who i spoke to first and daid she would call me and never did then snne was suplosed t o call me back " probably first thing in the morning- '' i even emailed her and she has not responded. Branch is in XXXX XXXX California. Both these women should not be working there. 
I am so frustrated with these rude people. She said there is no tech support number that i could call. This company is awful- the manager never called me back as well. So here i am contacting you because this establishment wont even give me the late fee the other bank charged me for their mistke. If you have any referrals to other compaints i can make i would appreciate it because this is sheer insanity. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

the company TRANSWORLD SYSTEM INC. tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed with an innacurate amount and bought from another company. when i never signed any documents with this debt collector and must be removed as soon as possible. 

In Accordance with the Fair Credit Reporting act XXXX the Account from, TRANSWORLD SYSTEM INC account number XXXX has violated my rights. 

15 U.S.C 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts that are reporting on my credit file by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. However, the items listed below were reinserted without notice : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I demand that you immediately delete the negative items from my credit report in order to avoid legal action. You have denied me of a fair dispute and you are in violation of my consumer rights. I am submitting this complaint separately to the Attorney Generals Office and the XXXX. Please act accordingly in this serious matter.
Product: Debt collection

A complaint was filed to CFPB on XX/XX/year> concerning this issue. This company took 60 days to reply and it was not resolved. 

Their initial ( false ) accusation was that I did not give a move out notice to the rental property. After providing emails which showed I had not only given the move out notice, but that two people from management had received it, they decided to change their initial ( false ) accusation of not providing a move out notice for the price of nearly {$3000.00} to a secondary ( false ) accusation that I moved out before my lease was completed for the price of {$1500.00} This information is also incorrect. I moved out on the date shown in my rental contract. 

This company has admitted to fraudulently imposing false accusations affecting my credit score and it took them 2 months to come up with a second fraudulent charge. I did not consent for this company to have my identifying information which includes name, date of birth, social security number, phone number, email address and physical address, therefore this is identity theft and fraud. I wish to have this company delete my information from their possesion ASAP as well as remove the fraudulent charges on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/ 2024, i looked at my report. I sent a letter to XXXX, Transunion, And XXXX. on XX/XX/XXXX asking them to reinvestiagate these accounts : Name : XXXX XXXX Number XXXX XXXX XXXX 2024 they sent me their invetagtion 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 ( ii ) 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 is suppose to happen ( 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. XXXX, Transunion, XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX
Product: Consumer Loan

In XXXX XXXX, I leased a brand new XXXX XXXX XXXX for 24 months from XXXX XXXX XXXX in XXXX, RI. My payments were automatically debited from my account each month on the XXXX. I never missed a payment. In XXXX XXXX, I bought a XXXX XXXX. XXXX XXXX in XXXX, RI figured my mileage overage and the rest of my lease payments and rolled it into my loan. I received the check somewhere in XX/XX/XXXX/XX/XX/XXXX XXXX to payoff Toyota Financial Services for the rest of the lease. I turned in my lease to XXXX in XXXX XXXX a few days after I purchased my XXXX. XXXX kept taking out the lease payment and the gap insurance each month, roughly {$330.00} total. They stopped the payment in XXXX. They had tried calling but I did not want to pay out the remainder of the lease until I received a bill. I never received XXXX. I am buying a house. My credit as of XXXX XXXX, XXXX was XXXX. My loan was approved for 5 % down between 4-5 %. I have been working with a broker to get my score higher. My credit showed a balance from Toyota for {$280.00} ( on-time payment ) as shown in the report attachment dated XXXX/XXXX/XXXX as the last line item. You will also see my loan from XXXX. My broker instructed me to just call and pay Toyota to clean up my report. I called to pay the {$280.00} and the representative asked what made me think I only owed {$280.00}. I said because it was on my credit report, even as an on time paid account. They told me no, that the balance was now {$5000.00} ( the date I called was XXXX XXXX ). They said they sent the letter out XXXX. I received the letter in the mail on XXXX XXXX. As of XXXX XXXX ( the day I called mind you ) according to XXXX ( see attached screen shot ) my credit dropped from XXXX on XXXX XXXX to XXXX as of XXXX XXXX. Toyota reported the {$5000.00} charge as a charge-off. Now, this is showing as a late payment the first time in over 80 months of my credit history and is coming between home ownership and myself. With my credit rating dropped, I am unable to afford the high percent rate of the loan and 10 % ( from 5 % ) down payment on my new home, scheduled for closing XXXX/XXXX/XXXX. I am supposed to close XXXX XXXX and all was set until Toyota messed up my credit rating just days ago from a lease that I turned in early, approximately XXXX XXXX from the end of lease date of XXXX/XXXX/XXXX. I want this taken off my credit report so I resume buying my house with the terms that were set in place with my mortgage approval. I have spoken to more than XXXX representatives in the past 3 business days and all I get is we are researching it and if Toyota made a mistake, they would credit the account and then take it off the report ... but no one is working on it or calling me back. I demanded they take it off my credit and received no resolution. I am on a tight timeline with my Purchase and Sales agreement and no one at Toyota is responding. Please see attached docs.
Product: Debt collection

Hillcrest Credit Agency is using an alias to sue seniors and very sick people in the court system. They use the alias that they are the XXXX XXXX and are owned by the XXXX XXXX of XXXX XXXX, Kentucky. They take thousands of sick people and the elderly to the court to seize their properties and put liens on their properties using the name that they are the XXXX XXXX. I was confused as to who had filed a civil lawsuit against me. The complaint filed in the court says that it was the XXXX XXXX. I wnt to the XXXX XXXX to resolve the complaint and the XXXX XXXX says that they no longer have access to the records. They say that they transferred the records to Hillcrest Credit Agency who now owns the records. The XXXX XXXX says that they are not affiliated with Hillcrest Credit Agency and do not own them. Hillcrest Credit Agency is independent of the XXXX XXXX. However, Hillcrest is using the XXXX XXXX 's name when they file these claims. I requested of the XXXX XXXX, medical records and gave them 30 days to respond. They never responded. I requested medical records from Hillcrest Credit Agency, and they responded with records. I did not authorize Hillcrest to have access to my medical records. However, they have the accounts and records but are still using the XXXX XXXX 's name to sue people and take their properties.
Product: Credit reporting or other personal consumer reports

I requested Equifax to remove accounts that were close and reporting open and other inaccuracies on my report and to provide the source of the information reporting and the have not given a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and social security number were somehow breached and someone was able to file a fraudulent unemployment claim using that information. As a result, I was told to contact all three credit agencies to freeze my credit. I was able to do so with XXXX and XXXX but had difficulty with Equifax. The system locked me out and then sent me a verification code in the mail which failed to work when I tried to enter it repeatedly. I then called the company and had to answer questions in an automated system. The robotic voice is too difficult to understand and I apparently didn't answer all of the questions correctly. This system is problematic because there is no customer service person to engage with. For example, I was going through a divorce and my husband went to re-finance our mortgage. Since I wasn't present in the house for that transaction I didn't recall when or know what finance company he re-financed with to assume the mortgage on his own. This was one of the questions, so yet again, I have been locked out of even speaking to a customer service representative!! In the meantime, my credit remains unfrozen. 

Equifax is now requesting that I send my name, address, social security number, date of birth, copy of my driver 's license and a summary of my request. Are you kidding me? If someone intercepted that letter, my excellent credit could be ruined forever. This is outrageous and terrible customer service. I would like a human being to contact me to resolve this issue. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Contacting the TransUnion XXXX requesting a complete payment history with this account. Despite the multiple previous requests. Below are the accounts that are reported, the unverified accounts listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXXX Balance {$0.00} XXXX XXXX C XXXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Pentagon Federal Credit Union ( " PenFed '' ) has been doing monthly soft inquiries on my credit for years. I have asked them several times to stop doing so. I am no longer a member of PenFed, and have not been for decades. My XXXX XX/XX/XXXX XXXX credit report shows PenFed soft inquiries on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I *really* want PedFed to stop doing soft inquiries on my credit. They have no reason to be making these monthly soft inquiries. I suspect somebody within the PedFed system is trying to commit identity theft against me, or perhaps something even more nefarious.
Product: Money transfer, virtual currency, or money service

I wanted to write about Kraken 's business practices that need to be looked at by anyone that issues a license for Kraken to operate its business. This is the first time that this has ever happened to me, in an type of business interaction.

Kraken was recommended as a trusted place to purchase crypto, but I have come to find out this is not the case.

The first thing that I did was follow the procedures for setting up an account. This included the procedures for being verified. Everything indicated I was properly verified, and I followed Kraken 's procedures to fund the account. After a few days it showed the money was in the account, but on hold. It was only after I initiated a chat inquiry, was it determined the account needed a manual review for some reason. Even though I was already verified, according to Kraken 's system.

Eventually I got a reply that I needed to send in a selfie with Another picture of my ID along with a very detailed note that had all kinds of verification information, including the date and my signature. I submitted the selfie and they told me the positioning of how I was holding the note was wrong. I submitted a new pic, and Kraken told me the clarity was not good. Let 's take note that this is the Third time I have submitted my ID. According to Kraken 's system, it was accepted after the First time. Now I am submitting the picture with my ID for the Fourth time, and now with an updated detailed note again. I even took their suggestion and enlisted someone's help to take the picture so it could have the best positioning and clarity.

The next time I hear from Kraken, they told me they are shutting down my account, refunding my money, and I should delete the email they sent for security purposes. Oh yes, and Kraken told me they could not tell me why the account was shutdown and don't ever try to start an account with them ever again. This is pretty alarming. What could I have possibly done wrong between the time Kraken verified me and the time I transferred money into the account? There is no true recourse for this, and when I called the customer service line, they could not or would not give me any clarity on this.

This is not how a credible business treats its customers. Much less a business that is responsible for the assets of so many people. Kraken should not be trusted to do this, if this is how they arbitrarily treat customers who went above and beyond to follow their process to become verified. It's also worthy to note, only after I initiated contact with customer service was this additional review process started. According to their system I was a verified customer, which proved to be false.

Kraken should not be allowed to continue to do this. Consumers have rights too. A business transaction is not a one way street, unless you are dealing with Kraken. As troubling as this has been for me, this is got an uncommon occurrence. If you search online, these random and abrupt account closures are being done by Kraken with too much regularity and with no accountability on their part.
Product: Debt collection

I was a victim of identity theft I asked the credit card company to validate the debt they refused to comply with my requests I received a letter overnight with information that is not related to me. The date of birth used to apply for the account is not mine I have already disputed this with the bureaus and verified my identity they corrected the information but refuse to remove the account From my report
Product: Debt collection

On XX/XX/XXXX I emailed XXXX XXXX my 60 day notice that we was moving out in XXXX We found a new apt in XXXX and XXXX XXXX acted like they never received the notice so my wife forwarded them the email and they released our info to the new apts office In the beginning of XXXX they gave us a statement of the balance we owed I wrote a check and thought that was it.fast forward to XX/XX/XXXX I checked the mail and got a collection notice saying I owed them {$680.00} I called them and they claim they didnt have any way to contact us because a new property group took over and claim I didnt give them a 60 day notice and basically added on more charges that wasnt initially added to our original move out fee
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( 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 their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds 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

I recently contacted Experian in regards to XXXX XXXX Account. I asked them to remove/delete from my report because they are reporting inaccurate information. The XXXX XXXX account starting with XXXX has been charged off and still being updated every month as late payments. Its also a closed account charge off with a balance still reporting. From my understanding, there shouldnt any balance once charged off! I assist that this account be removed immediately!