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

Ally Invest promised to pay me a {$100.00} incentive if I open an account with them and make 3 or more regularly recurring deposits into my new account. I did exactly that, around the beginning of this year. Even though I met all the qualification, and they confirmed that I have met the qualification, after so many chats and emails where they promised " oh your bonus will come soon don't worry '', I still have not received the {$100.00}. I have used so much time and energy on this over the last 3 months and now it's getting ridiculous. They just keep saying the same thing, keep giving me empty promises.
Product: Checking or savings account

on XX/XX/year> I went into the branch to withdrew {$3000.00} from my personal account - however the bank teller wrote the withdrawal slip with my name on it but used the business account i was a signature on at the time. 
The bank actually linked my accounts without my permission account to the business account- and I believe this is where the error occurred. 
Every withdrawal form I have ever had completed has always had the business name on it - and I have proof of that, however this one had my personal name on it - and as I don.t have a card with my account number on it - I assumed the teller had completed it correctly. 
The bank has investigated it and said this is my responsibility to check - check against what? the name was correct and I didn't have anything with my account number on.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS ARE INCORRECT AND REPORTING FRAUDULENTLY DUE TO IDENTITY THEFT! I HAVE FILED SEVERAL COMPLAINT 'S WITH XXXX, CFPB, POLICE DEPARTMENT, AND ID THEFT REPORT. PLEASE DELETE THIS ACCOUNT ASAP!!!!! THANKS XXXX XXXX {$1100.00}, CREDIT SYSTEMS {$92.00}, XXXX. XXXX XXXX {$180.00}, XXXX XXXX {$820.00}, XXXX XXXX {$1600.00}! PLEASE DELETE THESE FRAUDULENT ACCOUNTS. THANKS
Product: Checking or savings account

On XX/XX/XXXX. I received a call from Navy federal credit union stating they suspected fraud on my checking account that ends in XXXX. I realized at the time my bank card XXXX was missing from my wallet. I called in to confirm my card was missing and the transactions on the account were not mine. In the mean time my card was cancelled and I was issued a credit within two weeks for the fraud that had occurred. On XX/XX/XXXX There was a reversal on my account of {$810.00}. I called in to figure out what the adjustment was and was informed the fraudulent transactions were determined not to be fraud. I am uncertain on how they came to this conclusion. Navy federal has not provided any documentation showing I provided any signatures. I am certain my pin number was not utilized. Furthermore the card was swiped multiple times since it was cancelled. I would like for Navy federal to make this make sense to me. Have they contacted the merchant to have video footage removed? has any legal action been taken? How did they come to this conclusion? What efforts were taken to fully investigate this? The charges clearly are not mine. I don't even shop or go to the places the card was used. No one from navy federal can provide any supporting evidence. I submitted a request to re-open my case and have not heard a single thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union reported 3 criminal records on me. ALL 3 ARE BOGUS. 

1-they reported a routine civil traffic violation as a XXXX XXXX  FL criminal complaint and settlement. Totally bogus. 
2-they reported a XXXX XXXX XXXX XXXX XXXXn XXXX XXXX  FL . I lived in XXXX  until XXXX and NEVER have had a XXXX XXXX complaint. 
3-they reported ANOTHER bad check incident in XXXX XXXX  FL in XXXX ( or XXXX... hard to tell ). I lived in XXXX  until XXXX and have NEVER had a XXXX XXXX complaint or charge. 

This has affected my immediate urgency to get a rental home. 

Shockingly bad behavior from a crucial company in this process. 

I have an occupation that would have revoked my license if I had such complaints. None of the above happened.
Product: Debt collection

I have been notified that Great Lakes Borrower has been abusing my payment loan plan, by charging me more than they should.
Product: Money transfer, virtual currency, or money service

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 their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 4.

financial loss, and I seek appropriate redress ( 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 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: Mortgage

My father sold his home XX/XX/XXXX. He passed away  XX/XX/XXXX. His Mortgage company XXXX XXXX sent him an escrow check for the remaining amount of {$2000.00}. I reached out to XXXX XXXX in XX/XX/XXXX to have the check re-written under the name of his estate and supplied the estate info along with his living will listing me as executor. They took almost a month to re-issue a check but sent it to his XXXX XXXX again after I had already advised them that it was closed out sortly after his passing. They had to issue another check which took another month. I received the check the end of XXXX and submitted it to my fathers Estate Account on XX/XX/XXXX. The check was returned by XXXX XXXX XXXX   refusing to cash the check. I reached out to XXXX XXXX and they confirmed the check I deposited was the correct check. I was told that they would investigate. I called again two days later ... .No response. I called Loancare again on the XXXX and was told that I now have to email proof of deposit, the returned check, and the bank statement showing the return. I sent all this info via email as instructed by Loancare on the XXXX. I received an email back stating it would be resolved in 2 business days. I called again today as I still havent received a response. I was told now that they would have more info on the XX/XX/XXXX.  This should be a simple phone call to their bank. I am getting the run around from this company for months now. My father estate account is now over draft by roughly {$180.00}. I have already incurred {$12.00} in bank fees due to their error. I was advised by the bank  that their may be more. I do not have funds of my own to deposit in order to prevent the account from being closed. I have invested hours of my time to resolve this issue and it doesnt seem like its possible with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/2022 Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} I have disputed this inquiry with XXXX and XXXX This inquiry was canceled before going to collections My privacy has been violated under Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My personal information was illegally sold to the collection agency after I legitimately cancelled the insurance with XXXX XXXX XXXX XXXX My car was repossessed and I no longer had use for the services When I checked my credit report XXXX XXXX had sold of a debt that wasnt old Without me consenting to my personal information being stolen and used to collect money
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

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

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This account has been paid and suppose to be removed from my credit report. I continuely get letter saying I owe. I have tried multiple times to get this handled I get get nowhere. Finally credit bureau stayed it would be removed from my credit report. They removed but added it back on again. Please investigate. I contacted fair trade and they Re investigating too. I want this removed from all my credit reports. Thank you, XXXX XXXX
Product: Debt collection

I am a victim of identity theft and would appreciate if this debt was removed
Product: Money transfer, virtual currency, or money service

Hello my name is XXXX XXXX. I purchased a money order in the amount of XXXX $ on XX/XX/XXXX for my rent. The place I rented " lost '' the money order so on XX/XX/XXXX I sent in the form for the refund and the requested money for the fees. I waited a month like they said and still no money order so I called they said they didn't get the form to send it by email so I did. I waited a month still no money order. So I called again and they said they just sent it out on the XXXX of last month Ok so I waited 30 days still no money order so I called again when I called they said it was sent out on the XXXX. I knowing that it's a different day then what they said last time said ok and Waited for a little. Last week I called them and asked where my refund was and they said they sent it out on the XXXX. I asked them to send the refund to the card used they said " it doesn't work like that '' even though the website says that it does work like that. They are trying not to give me the refund for the money order.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report and attempting to dispute the inaccuracies with the accounts in question, they have not provided any solution and I know that in accordance with the Fair Credit Reporting act, these accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX : Account # XXXX XXXX  violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

Not only have these laws and rights violated but also reporting different " Last Reported '' dates on the different credit reporting agencies which is another violation.

Please see the copy of the report displaying the different dates its reporting.
Product: Credit reporting or other personal consumer reports

I checked my credit reports some time ago and noticed I had a public record reporting that was not accurately being reporting and was not authorized to be furnished by myself nor the court that was listed on my reports. I contacted XXXX, Equifax, XXXX and XXXX XXXX about the inaccurate, incomplete, and completely forged information that was furnished on my reports. Each company said the court furnished this information, but I contacted the court and they said that they never report private information to the credit reporting agencies. I have attached the court 's letter as proof. THIS IS FORGERY BY XXXX XXXX XXXXXXXX, EQUIFAX, AND XXXX. I'VE TRIED MULTIPLE TIMES TO REMEDY THE SITUATION BUT EACH COMPANY FAILED TO UPHOLD THE LAW AND ARE VIOLATING MY RIGHTS AND CAUSING ME TO BE SEVERELY DEPRESSED AND INJURED. I NEED EACH COMPANY TO STOP VIOLATING MY RIGHTS AND PERMANENTLY BLOCK THE INFORMATION ASSOCIATED WITH THIS PUBLIC RECORD REPORTING ON MY REPORTS OR ELSE I WILL SEEK LITIGATION
Product: Debt collection

Received a letter from debt collector Transworld System INC dated XX/XX/2024 for medical services from XXXX XXXX XXXX XXXX for amount {$290.00}. I have never been in XXXX in my entire life or have I ever been received any services from them online of any kind. This is totally a fake bill, fabricated by Transworld System.
Product: Debt collection

On XXXX XXXX, I decided to check my credit report and found that Midwest Recovery Systems had added a collections account on my credit report for {$620.00}. This company has never contacted me about this matter in any form. I never received a letter stating who the creditor was and was not given the 30 days to lawfully dispute this claim because I was NEVER contacted. This company is in serious violation of Fair Debt Collection Practice Act. Under this act the consumer ( me ) is to be given a 30 days validation period before a debt collection can be reported to all XXXX major bureaus by a collection company. In this case I have never received a bill or any correspondence from this company or the creditor regarding me owing this debt that is being reported on my credit report.
Product: Credit reporting or other personal consumer reports

in accordance with the fair Credit Reporting act XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXX Acconunt XXXX XXXXXXXX Has violated my rights...

15 U.S.C 1681 section 602 A. States I Have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

My name is XXXX XXXX and I live in XXXX Iowa. On XX/XX/2018 I put {$24.00} of gas in a XXXX XXXX XXXX near to XXXX on the XXXX  XXXX, using my credit card ending XXXX of Bank of America. Then on XX/XX/2018 when I tried to used again in other place, it just said declined. When I checked my card statement it showed that I had done different transactions during XX/XX/XXXX and XX/XX/2018 that I didn't. They were 2 more in the same XXXX XXXX XXXX for {$24.00} and {$13.00} and later three additional transactions in XXXX XXXX {$13.00}, XXXX {$8.00} and XXXX {$27.00}. So it looked they kept doing it Up to my credit limit was reached. Fortunately I just have {$300.00} because they would stealing my money. Once I realized what happened I immediately report to the bank and the create the fraud claim XXXX. On XX/XX/2018, the Bank sent me the letter telling me that there not identified fraudulent transactions and I would have to payback those transitions and I'll be responsible for the balance of my account ( Attached ). On XX/XX/2018 I went to the office in XXXX XXXX and they didn't take my request, because the credit line people weren't working that day. The advisor reschedule an appointment for me during the week days and hours that apparently the credit line people work, but I work and for me is not possible attend a personal appointment that fit in their schedule. Anyway I let The advisor know about my position of not paying those fraudulent transactions, because I never unprotected my card and the bank must be responsible for the card and money care. He explained me no balance will be applied. So since it was a prepaid card I pay for the balance of the money that I really spent, in the way to using for a road trip during XXXX XXXX weekend. I was traveling on my way back from XXXX XXXX to XXXX Iowa confident with my money in my prepaid card, but nevertheless the bank took the money and applied the balance without my authorization. Making me live hard times without my money to put gas, I really faced an emergency because I just counted with the money in my card.
Product: Debt collection

My name is XXXX XXXX XXXX. I am submitting this complaint on behalf of myself without any third parties. On XX/XX/2024, I received an email from CREDIT MANAGEMENT, L.P., without prior consent, in regards to an alleged debt owed from a " XXXX XXXX XXXX XXXX XXXX' See exhibit A. On XX/XX/2024, I emailed the above-mentioned back requesting validation pursuant to 15 U.S. Code 1692g as well as a Cease and Desist pursuant to 15 U.S. Code 1692c. See exhibit B and exhibit C. Today, XX/XX/2024 at XXXX, I received a text message from CREDIT MANAGEMENT, L.P., without my prior consent, once again, and a Cease and Desist already in place on XX/XX/2024. See exhibit D. The above-mentioned are in direct violation 15 U.S. Code 1692c as they've continue to attempt to communicate despite issued Cease and Desist. See exhibit E. Anyone that fails to comply with provisions of 15 U.S. Code 1692 subchapter with respect, therefore, liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. See exhibit F.
Product: Debt collection

I contacted the company involved and explained to them multiple fraudulent transactions on this account and they did not accept explanation. I did not make these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute letter dated [ XX/XX/XXXX ] concerning inaccuracies on my credit report. It has now been [ XXXX ] days since the 30-day investigation period mandated by the Fair Credit Reporting Act ( FCRA ) expired. 

Your failure to adhere to the FCRA, 15 U.S.C. 1681i, which requires a response within 30 days, constitutes a clear violation of federal law. This statute mandates that you conduct a thorough investigation of my dispute and provide a resolution within the specified timeframe. Your inaction is unacceptable and not only impairs my credit standing but also infringes upon my rights as a consumer. 

The disputed items remain unresolved, and the details are as follows : XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX XXXX Type of Business : - Date of Inquiry : XX/XX/XXXX Enclosed are copies of my original dispute letter and the supporting documentation previously provided. Given your non-compliance with the legal requirements, I demand that you immediately : Complete your investigation : Correct or remove the inaccurate information from my credit report without further delay. 
Provide a written response : Detail the results of your investigation and confirm the actions taken to rectify this issue. 
If you fail to comply with these demands within the next 10 days, I will have no choice but to escalate this matter by filing a formal complaint to enforce my rights under the FCRA. 

This situation requires your immediate attention. I expect a prompt resolution to avoid further legal and regulatory actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT HAS BEEN CLOSED & CHARGEDOFF FOR MONTHS NOW AND YOUR COMPANY STILL REPORTS THIS AS CURRENT WHICH IS NOT ONLY FALSE BUT IS ILLEGAL AND VIOLATES MULTIPLE RIGHTS UNDER FCRA. LISTED BELOW IS FCRA SS XXXX EQUIFAX IS GOVERN BY THESE LAWS AND THIS ACCOUNT VIOLATES MULTIPLE LAWS & CONSUMER RIGHTS LISTED BELOW. 

XXXX XXXX XXXX
Product: Debt collection

Respected Director, Unfortunately, I have recently become aware that this account has been opened fraudulently without my consent or authorization. After thorough investigation, I have determined that I am a victim of identity theft, and this account is XXXX of the unauthorized accounts opened in my name. 

In accordance with the Fair Credit Reporting Act, I hereby request that you take the necessary steps to close this fraudulent account from my credit report as soon as possible. Additionally, I request that you place a fraud alert on my credit file to prevent any further unauthorized activity. 

Enclosed with this letter are copies of documents supporting my claim of identity theft, including police reports, identity theft affidavit etc. Please review these documents and proceed with the closure of the account accordingly. 

I also request that you provide me with written confirmation once the account has been closed and any associated derogatory information has been removed from my credit report. 
This company hereby, deemed as Jefferson capital systems llc popped up on my credit report. I have no idea, as so before also I tried to resolve it and the original creditor such as XXXX XXXX got all info but I am not cognizant why again and again this shows up. My CAR AND OTHER VITAL documents were stolen in XXXX, California along with my ssn and other stuff. I have no idea of this account and all so I please request the authorities to take necessary action and close it immediately. I am attaching all evidence again and I am a student or was an Intl student when this happened. Please I sincerely request to resolve this matter and close the account. 

I know Identity theft can have long-lasting effects, so it's essential to remain vigilant even after taking initial steps to address it. I know regularly monitor my credit reports and financial accounts for any signs of suspicious activity. I did also file with Federal Trade Commission ( FTC ) before. 
If you require any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter.