23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been monitoring and fixing my credit for the last 3 years. When I noticed a debt that came up in my credit report that I absolutely do not owe. I started disputing it with XXXX and Equifax. After a couple time disputing it with XXXX they removed the debt as they recognized it went against the FCRA. I have now disputed it with Equifax over 5 times. And have requested proof of the debt. I have not received that proof and I don't believe they are truly investigating or they would see I don't owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report the wrong information on my credit report regarding a closed credit card account I had with the XXXX XXXX XXXX XXXX XXXX XXXX. Today, I received the results of my dispute to update this account. Account status is still being reported as a " charge off '', when the status should state " settled/settlement ''. I have attached a screenshot for review.
Product: Money transfer, virtual currency, or money service

I am writing this formal complaint letter to bring to your attention the dismissive response, lack of assistance, and negligence displayed by Wells Fargo Bank in addressing my dispute and complaint regarding transactions from my account. I am deeply dissatisfied with the bank 's handling of my situation and hereby demand a thorough investigation and appropriate actions to rectify this matter. 
In my original dispute letter addressed to Wells Fargo Bank on XX/XX/, I detailed the circumstances surrounding transactions from my account that were used to purchase cryptocurrency. 
Despite providing clear evidence and supporting information, the bank 's response has been dismissive and unhelpful, leaving me in a dire financial situation due to the bank 's negligence in conducting proper due diligence. 
Wells Fargo Bank 's response, as provided to me, lacks professionalism and a genuine commitment to resolving the issue at hand. The bank 's representative informed me to contact XXXX and local law enforcement, effectively passing the responsibility onto external entities rather than acknowledging their role in safeguarding their customers ' finances. This lack of accountability and refusal to take ownership of the situation is both disheartening and unacceptable. 
Furthermore, the bank 's response letters, dated XX/XX/, and XX/XX/, demonstrate a blatant disregard for my rights as a customer. The bank 's claims that the transactions were authorized and therefore not eligible for reimbursement fail to address the fact that the transactions were a result of fraudulent activities. The bank 's inability to distinguish between genuine transactions and those tainted by fraud highlights a severe lack of vigilance and oversight in their operations. 
I demand that the Consumer Financial Protection Bureau conduct a comprehensive investigation into the mishandling of my case by Wells Fargo Bank. I seek the following actions : Full Reimbursement : Wells Fargo Bank must immediately reimburse the funds lost due to the transactions, including any associated fees and charges. 
Thorough Investigation : A detailed investigation must be conducted into the bank 's processes and practices, particularly in relation to its failure to prevent fraudulent transactions and its refusal to address valid customer complaints. 
Corrective Measures : Wells Fargo Bank should implement rigorous protocols to prevent future instances of fraud and enhance its customer support to ensure timely and effective resolution of disputes. 
Formal Apology : The bank should issue a formal written apology for its dismissive and negligent response, as well as for the financial and emotional distress caused by its actions. 
I expect a prompt and thorough response to this formal complaint, outlining the steps that will be taken to address my demands. I appreciate the Consumer Financial Protection Bureau 's commitment to ensuring fair treatment for consumers and look forward to a swift resolution of this matter
Product: Debt collection

Despite numerous written requests, the unconfirmed accounts listed below persist on my credit report, which is a breach of federal law. The XXXX Credit Bureau has not adhered to the Fair Credit Reporting Act, 15 U.S. Code 1681i within the legally mandated timeframe. They have continued to report unverified information despite my efforts to resolve this directly with the creditor. This can be seen as deliberate negligence and non-compliance with federal regulations. I kindly request the immediate removal of the following accounts from my credit reports. 
PROF DEBT XXXX
Product: Debt collection

I contacted XXXX the original debt on XX/XX/19 about Diversified collection being on my credit report about getting this removed. I have a copy of the conversation and XXXX agreed on XX/XX/19 to have this removed and said they will notify Diversified Consultant and the credit bureau to have this completely removed from my credit report in 15 days. I looked today and this is still showing on my report. I have called Diversified and told them the agreement that XXXX agreed to and Diversified told me I need to get with XXXX since they sent the debt back to Diversified since the account was paid.
Product: Checking or savings account

I recently submitted claim # XXXX because an alert function that Chase Bank features on their app did not work. The complaint was as follows : " I was paid a bonus by my employer on XX/XX/XXXX. That check was for {$390.00}. I went shopping & to dinner on XX/XX/XXXX, and my account dropped to under {$50.00}. I was never alerted to this by my bank, Chase bank. I have an alert set up on my account to let me know as soon as my account drops to below {$50.00}. That alert was never activated on XX/XX/XXXX. In fact, I was not alerted to my account being under {$50.00} until it was already overdraft! The first notice about this came to me on XX/XX/XXXX, when I was already at - {$280.00}. My question is why in the world would they bother to give you the ability to set up alerts, and when the specific scenario in which you would need to be alerted, nothing happens?? Their alert clearly failed and now I am overdrawn in my bank account! I am already living paycheck to paycheck and my husband does not work!! '' The bank is claiming that the alert system works fine and that I should just manage my account better. HOW INSULTING! I have photographic proof that this alert system does not work. What proof?? Well as it happens, I was low on funds on XX/XX/XXXX and XX/XX/XXXX ( That is a Friday and a Saturday ). As you will see in my proof, I was alerted the second my account dropped under {$50.00}. I was again alerted on XXXX, which was a Sunday. So, why did the alert system work find this past weekend, but completely FAILED on XX/XX/XXXX - XX/XX/XXXX?? Why was I alerted on XX/XX/XXXX and XXXX that my account was under {$50.00}, but back on XX/XX/XXXX I was only alerted when I was ALREADY significantly overdrawn??
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 financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I tried to withdrawal {$300.00} from my checking account and Chase told me my account didnt have enough money. I proceeded to check using my mobile app and add the missing {$30.00} needed to withdrawal {$300.00} and when I went to complete the withdrawal it say my account once again didnt have any money. I checked my account in the chase app once again and this time it showed me a withdrawal of {$300.00}. The ATM never gave me any money yet it was taken out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, the law firm that is representing me XXXX XXXX sent TransUnion a letter informing them that they has sent a letter to the creditor XXXX  that is currently listed on my TransUnion credit report informing XXXX that they are currently in violation of Pursuant to the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, UCC 9.506, the Florida Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements, demand is made on behalf of XXXX XXXX XXXX for your company to remove the inaccurate information from her credit report pertaining to XXXX Account number ending in XXXX. 

XXXX did not comply with the letter sent by XXXX XXXX so they proceeded to contact TransUnion since they continued to report the account. 

Summary of letter sent to TransUnion Re : Alleged Debtor : XXXX XXXX Creditor : XXXX XXXX Our File Number : XXXX Dear Sir or Madam : You are hereby given notice, pursuant to 15-U.S.C.A Sec. 1681i, that XXXX XXXX disputes the debt of a creditor listed in her credit report prepared by you. The item disputed shows a collection record by XXXX. Previously, we reached out to XXXX regarding the referenced debt demanding that they provide verification. Although the statutory 30 day period has expired, thus far, they have failed to validate the debt. 
Under the provisions of the above act, you must reinvestigate the item and if the item can not be verified or is inaccurate or incomplete, you must promptly modify or delete that item of information from XXXX XXXX file, as appropriate, based on the results of the reinvestigation. 
You are reminded that it is up to you to justify the debt after investigation. You may not simply copy a self-serving letter from a creditor without some attached proof. Also, you are reminded that, under the Federal law, if you fail to perform your responsibilities, you may be held liable for XXXX XXXX attorneys fees.
Product: Credit reporting or other personal consumer reports

15 USC 1681 ( e ) b 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, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I made a complaint about Synovus Bank on XX/XX/21, they state that they handle my case to XXXX XXXX. I have called them once between XX/XX/21 and today XX/XX/21 and they said they will call me back. But they have not updated me on the investigation. I have tried having my bank recall the fund from Synovus Bank but Synovus Bank would not let me recall.
Product: Credit card or prepaid card

To whom it may concern : I applied for a Discover Secured Card XX/XX/. On XX/XX/ XXXX was debited from my account by Discover, for my security deposit for the card. 

XX/XX/ : I reached out to Discover Secured Card Service and closed my account and requested my security deposit of XXXX be returned. I was told my refund would be returned in 7-10 business days. 

I reached out to Discover somewhere in XXXX and was told that my deposit was being processed and my XXXX deposit would be returned after two billing cycles. Considering I never had a billing cycle, I am unsure how they were calculating a billing cycle. 

XX/XX/ : I reached out to Discover once again and was told that my refund had not been processed, the agent assured me she was submitting for it to be processed and I would receive it in 7-10 days. 

I would like to receive my deposit back as it has been 60 days. Discover debited my account in two days but I am getting the run around when it comes to getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 30 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 days gives a reason to quickly remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

I was victim of a Payment Scam. Fraudsters impersonating PNC XXXX XXXX stated a withdrawal of {$5400.00} was about to take place from my checking account. The money was to be used to purchase cryptocurrency. I needed to immediately go to my PNC branch and withdraw the same amount, go to a bitcoin ATM and insert the cash, and take the receipt back to the PNC branch in order to negate the supposed withdrawal that was to take place from my checking account. I was convinced I was speaking with a PNC XXXXXXXX XXXX on the phone and went to the PNC branch, requesting withdrawal of {$5400.00} in XXXX bills. The teller was given approval to complete the transaction. I was nervous and frightened. No bank employee ASKED or QUESTIONED why I was making such an unusual request. Had they questioned me It may have motivated me to tell what was happening to me at the time. I was being controlled. I therefore lost the {$5400.00}. I didn't realize I had been scammed until later when I called PNC and reported what happened. Had the teller attempted to question me, I feel it may have broken or interrupted the control the impersonator had over me at that time. I feel PNC failed me at a time when I needed help but was too afraid to ask. The fraudster had warned me that there was suspicion since PNC had approved the initial supposed withdrawal, that someone within the branch may be involved. I was instructed not to say anything to anyone inside the bank. A full detailed account of what happened was given to PNC during which I was advised that I had been scammed.
Product: Credit reporting or other personal consumer reports

POSSIBLE FINANCE INC IS REPORTING A COLLECTION ON MY CREDIT REPORTS. 
IM UNAWARE OF THIS DEBT, I DID NOT HAVE THE OPPORTUNITY TO ADDRESS THIS INFORMATION. 
IF IN FACT YOU BELIEVE YOU GAVE ME PROPER NOTIFICATION, THEN PLEASE SEND ME THE CERTIFIED RECEIPT WITH MY SIGNATURE ON IT.
Product: Mortgage

I sent a payment of {$9000.00} to Ditech on XXXX/XXXX/XXXX for my monthly payment. It included a check for {$2000.00} and XXXX money orders ( {$1000.00} each ). They deposited personal check on XXXX/XXXX/XXXX and 4 money orders ( {$4000.00} XXXX total on XXXX/XXXX/XXXX. They lost 3 money orders ( {$1000.00} each ), which is {$3000.00} of the payment. I contacted them on XXXX/XXXX/XXXX at XXXX XXXX - spoke with XXXX ( ext XXXX ) who filed a complaint # XXXX to find out what happened to missing {$3000.00}. She told me that the company has 5 business days to investigate the incident and respond to me. 
I contacted the company on XXXX/XXXX/XXXX at XXXX XXXX - XXXX 's extension does not have a voice mail set up - the phone kept ringing and I could not leave a voice mail. She provided her manager 's contact information during my initial call so I called her and left voice mail ( XXXX ext XXXX ). I have n't head from them so I called again on XXXX/XXXX/XXXX - XXXX 's phone mail kept ringing and I left VM on XXXX 's phone again. 
I would like to know what happened to {$3000.00} of my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted a company to have an inaccurate Hard Credit Inquiry removed from my credit report. The company sent me a letter saying that they found that the Inquiry was inaccurate and that they would remove the Hard credit Inquiry and they would notify & request TransUnion to remove the Hard Credit Inquiry from my Personal Credit Report. 

The letter asked me to give it 30 days for the inaccurate information to be removed from my credit report. It has been months now and Trans Union has still NOT REMOVED THIS HARD INQUIRY. 

I have attached a photo copy of the letter from the company saying that they would remove the Hard Inquiry as well as instruct all credit reporting agencys to remove this Hard Inquiry as well.
Product: Credit card or prepaid card

Multiple fraudulent charges made in-store at XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX with my Barclaycard Arrival World MasterCard credit card. 

Fraudulent charges include : XX/XX/2020 @ XXXX of {$450.00} in XXXX, XXXX, CA XX/XX/2020@ XXXX of {$490.00} in XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$310.00} in XXXX XXXX, XXXX, CA XX/XX/2020 @ XXXX of {$410.00} in XXXX, XXXX, CA Time of charge and location of charge provided by credit card company. 

Credit card was still under my possession during time of charges. 

Credit card company states chip was used and denies any fraudulent wrong doing despite multiple pleas to reverse charges explaining that despite still having the card in my possession that those charges were not made by me. 

Credit card fraud representative made aware by my self that such large consecutive monetary charges were not flagged by company as possibly fraudulent and I was not alerted of charges immediately after they were made despite having alerts set. One representative basically said that the charges did not appear fraudulent. Her cold tactless response only aided in escalating an already frustrating situation. 

I discovered the fraudulent charges independently on XX/XX/2020 and called the company immediately. Their electronic alert system did not alert me to the charges until XX/XX/2020. Complaint of their alert system also made to company. If their alert system had worked properly further fraudulent charges could have been prevented. 

I do not live and rarely ever shop at these locations. I was not in those locations during time of purchase. I believe a blatant crime was committed. Barclaycard company is failing to assist me in the matter. A police report has been made.
Product: Credit reporting or other personal consumer reports

I had experian credit works XXXX but I let it lapse and they keep trying to biill the old card I try to login the experian app to switch to the free credit works but it won't give me that option all it gives me is the option to switch payment methods but I Dont want the premium I just want the basic credit works but they make it if you had a premium account the app or website after you put in your login info will not give you the option to switch to free plans or cancel they just keep harrassing you with declined payment emails but I want the service canceled but theyveont give the option I believe that's fraud and illegal forcing you tivtry and pay a service you Dont want I just want my account deactivated but they have no customer service email
Product: Debt collection

I received a letter on XX/XX/2023, dated XXXX XXXX notifying of BME Services intent to collect the debt. I had been in contact with insurance, but intended to pay to avoid a negative impact on my credit. I have a rating of XXXX. I called their office because their online payment did not work. I could not find the site. I was told I could not pay by phone with XXXX, my only credit card.. One phone number listed on the letter was incorrect and with the other, I twice was on hold a very long time. Their office person told me the online payment had not been working for some time. She said there is a, " glitch, '' and would not tae payment under {$100.00}. My debt is, {$90.00}. I have no checks and do not want to order checks. I have had a recent ankle injury and would need help to get to the bank. I am XXXX old and have no family in the area. I asked if they would give me a grace period until they have their online system fixed. She said they would not and if I don't pay by the deadline, My credit would be negatively impacted. I then called on XX/XX/XXXX, XXXX XXXX XXXX XXXX as this non-profit agency owns. the collection agency. I was told a XXXX XXXX would call me. I have not received a call.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate information, rude customer service, denying disputes with proof 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: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home and I noticed fraudulent activity on my credit report. 


Inquiries : 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 XXXX