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

Charges to my " Checking Account '' charged in 2 consecutive months for unauthorized charges from " XXXX XXXX '' on debit card that was in the hands of the owner, who at the time of the charges incapacitated and unable to authorize these charges. The first charge of {$400.00} was not noticed, and it occurred on XX/XX/2022, until the second charge of {$430.00} on XX/XX/2022 was reconciled by checking ( a financial account ) against another for accuracy. Contacted the fraud department to give them an unauthorized response for the charges verbally several times. When contact was made verbally, filed the compliant and was told via written response that their thorough investigation had proven that they had enough documentation to deny to the un-authorization and they would be mailing a copy of the documentation they used to formally deny the claim to the residence of the claimant ; which to this day has not happened or been received. The total amount of {$830.00} is very substantial amount to have been taken unauthorized. I responded to the written denied letter with a letter written XX/XX/2022 with a cc copy going to my lawyer, requesting an appeal to their decision and I have not received a response.
Product: Money transfer, virtual currency, or money service

I am filling 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 platforms 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 cause significant inconvenience and financial loss and, I seek appropriate redress for these violations.
Product: Debt collection

YOUR COMPLAINT FEEDBACK RE : XXXX XXXX  XXXX XXXX is the 3rd party trying to collect in this debt. Velocity Investments purchased this debt from XXXX. Now Velocity is claiming that I owe them this debt. {$2600.00}, from XX/XX/year>. Summary of Complaint : I am submitting this complaint against XXXX XXXX concerning their collection practices and the validity of the debt they claim I owe. Below are the specific issues : Ownership of Debt : Provide documentation of the chain of ownership, including how the debt was purchased and transferred to the collector. Legal Collectability of Charged-Off Debt : Clarify how a charged-off debt remains legally collectable and why collection efforts are continuing. IRS Reporting ( 1099-C ) : Explain why a 1099-C form has not been issued if the original creditor has canceled the debt for tax purposes. Compliance with FDCPA : Detail how the collector is adhering to FDCPA rules in their communication and collection practices. Use of OC-10 Federal Reserve Window : Explain whether the original creditor used an OC-10 Federal Reserve Window or similar process involving negotiable instruments, such as a promissory note, to settle this debt, and clarify why this debt is still being pursued if it was already processed through such mechanisms
Product: Debt collection

I had recently filed complaints against Bank of America about taking {$5100.00} from an unrelated business checking account I had with Bank of America. Yesterday, as I had gone to my PO Box to see if my new car registration came, I find a certified mail notice and I learned that Bank of America has filed a lawsuit against me for a personal credit card ending in XXXX for an unpayed debt. I had let them know that I had run into financial trouble last year due to the terminal illness of my mother. I had also let them know that I would not be able to pay them until either my mother either got better or passes away. She did pass away on XX/XX/XXXX of this year. I also had overwhelming expenses encurred due to my not being able to work as much as I was able to normally because I was busy caring for my mother. I was also paying some of my mother 's debts, such as over {$300.00} per month for a SOFI loan she had taken out and other expenses. Since her passing, I took on two other jobs along with my current job to cover existing credit cards and getting my business back in order. The actions taking by Bank of America, and Mr. XXXX XXXX, an employee of Bank of America or one of FIA 's subsidiaries gives me the impression that Bank of America enjoys engaging in schaddenfreude or the pleasure in the misery of people who come onto financial problems due to an illness or death in the family. I had no idea that a bank could stoop so low as to sue someone knowingly, that they have a death in their family. I truly believe that Bank of America wants to render indegent those who owe them a debt. They are a merciless and vindictive organization and after reviewing cfpb.gov and usa.gov and becoming enlightened in all the dirty deeds Bank of America has been involved in, I feel it's high time that the CFPB takes punitive action against Bank of America and shut down all their operations on the territory of the US before they hurt other people. I am also contacting my congressman 's office. I am uploading some court documents with this complaint.
Product: Checking or savings account

Capital One has violated my right to an investigation under the Fair Credit Billing Act related to fraudulent transactions that occurred on my debit card. To wit, Capital One has not responded to my notice nor advised me of any investigation into this matter.
Product: Student loan

On, XX/XX/2021, I submitted my application to CitizensBank. In their advertisement, they stated that the process would be stress free, instead it has become a nightmare, after they conducted a hard pull on my credit. They asked me to submit my paystubs, which I did and stated the sources of my income. I provided authenticated proof from the employer [ letter ] and on XX/XX/2021, they sent me a follow-up email stating that the documents I submitted [ which by the way are actual documents from the XXXX XXXX  XXXX Department of Education ]. I uploaded per their request as they authenticate the sources of income. Again, on XX/XX/2021, the refused the authenticated documents that I submitted and are now asking for my all my W2s. I find the process as having me jumping through hoops rather than addressing the authenticated documents sent from my employers. I am filling this complaint since under the ECOA, it is unlawful for a lender to discriminate on a prohibited basis in any aspect of a credit transaction, and under both the ECOA. Under one these laws, a lender may not, because of a prohibited factor : Fail to provide information or services or provide different information or services regarding any aspect of the lending process, including credit availability, application procedures, or lending standards. 
Discourage or selectively encourage applicants with respect to inquiries about or applications for credit. 
Refuse to extend credit or use different standards in determining whether to extend credit.
Product: Credit reporting or other personal consumer reports

I am writing to request that you ensure that all information on my credit report is accurate and correct, as required by law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you have a legal obligation to maintain accurate and complete information on my credit report.

Specifically, Section 1681e ( b ) of the FCRA states that : " 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. '' Furthermore, Section 1681i of the FCRA states that : " If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate or incomplete and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) of this subsection, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' I request that you take immediate action to ensure that all information on my credit report is accurate and correct. Please investigate and verify the accuracy of all information on my credit report, and remove any inaccurate or incomplete information. 

Please provide a corrected credit report to all parties who have received a copy of the report in the past XXXX  months
Product: Checking or savings account

I received an offer from Citi bank to open a checking account with them and I would receive XXXX bonus miles if completed within 90 days. I opened my checking account on XX/XX/2023 and completed all the requirements to receive the highest amount of XXXX miles within 30 days after opening. To this date I have yet to receive anything into my XXXX XXXX XXXX account XXXX have attached screen shots of the offer to confirm.
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 measure 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: Credit reporting

On XXXX/XXXX/2015 I submitted a Case through the CFPB Portal to Transunion ( Case number : XXXX ) In order to correct information regarding a student loan that I had fully paid off after not being able to get a resolution via the regular channels. On XXXX/XXXX/2015 Transunion responded to the CFPB appropriately and let me know that they had updated the information in reference to the Attorney Paid In Full letter that I attached in the previous complaint. On XXXX/XXXX/2015 this information reflected on my credit report, and all was good. My Fico Transunion Credit Score Went Up XXXX Points to XXXX, and I felt that this nightmare was finally over. However two weeks later on XXXX/XXXX/2015 I received an alert from MyFico that my score had dropped XXXX points From XXXX to XXXX. I thought that this might have been caused by a reversal of the update that transunion made on XXXX/XXXX/2015, so I obtained a new copy of my credit report, however everything appears to be correct. The only thing that could be different are the remarks/closed status. On the report Transunion lists the account in question as " Closed-Derogatory '' when it should be listed as " Closed-Paid In Full '' as the account is no longer derogatory. In addition they list the payment status as " Collection/Charge Off '' when it should be listed as " Paid '' As this is what is directly reported by the Creditor. I have attached a written letter from the Director Of Student Loans for XXXX XXXX XXXX which states a description of the loan ( XXXX ) and that the loan is is " Paid In Full '' and not " Closed-Deragatory '' as has been reported by by Transunion ( XXXX ). If Transunion Wishes to verify this information, they can contact XXXX XXXX directly at XXXX.
Product: Checking or savings account

I am the executor of my later mother 's estate. My mother XXXX XXXX  on XXXX XXXX, 2017. My mother had numerous accounts with Bank of America, all of which are payable to named beneficiaries at her XXXX. I notified Bank of America of her XXXX in XXXX 2017 when I personally met with a bank employee named XXXX at the XXXX, IL branch office. XXXX telephoned the bank 's " XXXX XXXX XXXX ''  while I sat at her desk. She was told the bank would mail out a claim packet for me to complete and distribute to my mother 's other beneficiaries. I had a certified copy of my mother 's XXXX certificate in my possession at the time. XXXX informed me the bank did not need a copy of the XXXX certificate as they had been notified by the Social Security Administration of  my mom 's XXXX. A XXXX claim packet never arrived so I again visited the XXXX, IL branch and met with the branch manager, XXXX XXXX. XXXX XXXX contacted the " estate unit '' and was told that I had previously been given bad information and that the bank did need a copy of the XXXX  certificate. A few days later, I personally delivered the XXXX certificate to XXXX XXXX. That was sometime in early XXXX. When several weeks passed without receiving anything in the mail from the bank, I began to communicate with XXXX XXXX via email. Emails were sent to XXXX XXXX on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I also had telephone conversations with XXXX XXXX on XXXX, XXXX, and XXXX. Even though the bank had been informed of my mother 's XXXX in XXXX 2017, they renewed a 24 month CD in her name on XX/XX/17. Until XXXX, I had received nothing from Bank of America, not even an acknowledgement of my mother 's XXXX offering condolences. On XXXX I finally received the claim paperwork from the bank. The paperwork was completed, notarized, and dropped off at the XXXX, IL branch on XX/XX/17. To date, I have received nothing, not even an acknowledgement from the bank that they had received my paperwork. I worked at a bank for several years and find it incomprehensible that this has been going on for five months. I truly believe that XXXX XXXX did her best to try to help me with the claim, but was put in a bad spot by the " estate unit '', if one truly exists. I believe the bank 's actions or lack thereof is totally irresponsible. Bank of America 's inexcusable " customer service '' is certainly something no grieving family should have to experience. Please help our family out so we can put Bank of America out of our collective minds. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account that has popped up on my credit report that is not mine. This needs to be deleted
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT 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: Debt collection

The company I C SYSTEM INC has listed a debt on my credit reports in the amount of {$510.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  credit cards wit h Chase and when I used them they closed them for no reason other than the fact I used them. I am paying these cards per the terms and pay them 100 % on time. Chase is not reporting these accounts with the initial credit limits which totaled approximately {$18000.00} - rather as maxed out limits of approximately {$8000.00}. This is lowering my credit score b ecause it does not accurately report my credit ratio as less than half used.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian have failed to removed several inquiries that I did not authorize. I have sent letters to each bureau detailing that the information is not accurate. The companies XXXX XXXX, XXXX, and or XXXX XXXX claims that they are indeed accurate. I never authorized anyone to pull my credit to address mortrgages. 

According to the Fair Credit Reporting Act, they are required by federal law to ensure that all details being reported on an account must me 100 % accurate and verifiable. If they are unable to correct these inaccuracies for any accounts listed, then per FCRA requirements they should have removed the inaccurate inquiry ( s ) entirely from my credit report.

Thank you for your attention to this matter.
Product: Debt collection

The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I am wanting to dispute this debt, and have it not reported to any credit bureaus.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. Please block and remove this information from my credit report, Pursuant to section 605B or the fair credit reporting act and send the required information to all furnishers of this information five unauthorized fraudulent accounts include : XXXX XXXX XXXX $ opened XX/XX/XXXX XXXX XXXX  balance {$670.00} opened XX/XX/XXXX XXXX XXXX balance XXXX $ opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX $ opened XX/XX/XXXX XXXX Funding balance XXXX $ opened XX/XX/XXXX Unauthorized fraudulent address never lived there include : XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX, XXXX WI XXXX Unauthorized fraudulent inquires include : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Product: Money transfer, virtual currency, or money service

This is concerning a crypto currency transaction. I sent XXXX BNB from my XXXX XXXX to my Binance.US wallet on XX/XX/2021. I forgot to include the tag/memo ( XXXX ) so the XXXX was never credited to my wallet. I have submitted multiple support tickets with no response. On the Binance.US site it states that if I submit a support ticket that they can fix the missing tag/memo error and credit the XXXX to my digital wallet but they have not done so nor have they replied to any of my requests to do so. The value of missing the XXXX is currently over {$1200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX XXXX Balance : {$130.00} - An account showing to be 120 to 180 days late is considered a charge off accounts under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Thank you.
Product: Debt collection

Credit Acceptance went to court in XX/XX/XXXX and won a default judgement against me for a loan that should have been covered by my insurance and GAP insurance. The vehicle was totaled in XX/XX/XXXX. When I had originally signed for the loan, I know I signed for GAP insurance and the vehicle was also sold to me with a recall on it. I had to wait over 2 weeks while the faulty timing chain was replaced. Credit Acceptance is still reporting to the credit agencies it is over 90 days late. They have no email for correspondence. They do not answer the phone when I try to call.