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

Response to Complaint ID XXXX Submitted XX/XX/XXXX Bank of New York response XX/XX/XXXX Can you please provide : Exact dollar amount : {$4100.00} Reference numbers : Bank of NY has a assigned no reference # to this case Transfer to : Bank of New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX. 
Routing # : XXXX Transfer from : XXXX  XXXX XXXX account of XXXX XXXX Account # : XXXX Tracing number : XXXX. Trace initiated by XXXX  XXXX XXXX XX/XX/XXXX Description of complaint below : I initiated an on-line transfer of {$4100.00} from my XXXX  XXXX XXXX account to Bank of New York . The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. XXXX  XXXX XXXX put a trace on the funds and Bank of New York responded they were unable to locate the funds. XXXX  XXXX XXXX dropped the claim. I personally called Bank of New York and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me XXXX  XXXX XXXX would need to submit a Letter of Indemnity to move the case forward. XXXX  XXXX XXXX escalated the case to their fraud department and I was informed by XXXX  XXXX XXXX that the case was once again declined due to Bank of New York not responded to their request to investigate. I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my XXXX  XXXX XXXX Branch Manager. I called Bank of New York again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the XXXX branch manager where I have my account. XXXX laughed at me and XXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my XXXX  branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency 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 and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Checking or savings account

Opened the Loyalty Checking account on XX/XX/XXXX, deposited $ XXXX, received the {$300.00} welcome bonus. Then after successfully linking an external account, I proceeded to initiate an external transfer for $ XXXX on XX/XX/XXXX. Since then, my account has been locked. Called on XX/XX/XXXX and they said the account is under review for fraud. They requested to email my ID and a bank statement ( for external account ) to prove that the external account was indeed mine. They told me to call back in 10 business days thereafter. 
So adding an external account and transferring money out is considered fraud???!!
Product: Credit reporting

medical bill paid by insurance company is showing up as delinquent. 
Our XXXX Administrator said the following : Claim # XXXX was originally processed on XX/XX/2013Billed amount $ XXXXAllowed amount - $ XXXXCoinsurance - $ XXXXXXXX paid PROVIDER on XXXX/XXXX/13 {$510.00} ( Check # XXXX ) E payment - draft # XXXXTotal member responsibility on this processing $ XXXXClaim was Adjusted and reprocessed on XX/XX/2013XXXX overpaid provider by $ XXXXRequested reimbursement from provider of $ XXXXMaking NEW member responsibility of {$100.00} ( plus original {$57.00} ) to total {$160.00}. 

I would have the member 's provide the payment information to the provider that XXXX paid a total of {$410.00} and member is responsible for remaining {$160.00}. This will total the {$570.00} that was billed.
Product: Credit reporting

There is a student loan with XXXX XXXX XXXX on my Equifax Credit Report which states the status is " wage earner plan. '' That is incorrect ; my Chapter XXXX was converted to a Chapter XXXX and was dismissed in XX/XX/XXXX. Since student loans ca n't be discharged in bankruptcy, this loan was subsequently paid as agreed. The attached credit report from Equifax says the date of my XXXX delinquency was XX/XX/XXXX. That is incorrect. That is the date I filed my Chapter XXXX, which was subsequently converted to a Chapter XXXX, and thereafter it was paid as agreed. I have also included a copy of my XXXX Credit Report as proof that this loan was not delinquent. The bankruptcy status on the Equifax Report is throwing my account into a negative status. If the account is being paid as agreed it should not be in a negative status. They ca n't have it both ways - either I 'm in a positive status or a negative status. The bankruptcy notation should not be on this item as it was not discharged through bankruptcy and it was paid as agreed.
Product: Student loan

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.
Product: Checking or savings account

I was supposed to sent a XXXX for payment for service and it never came to my XXXX $
Product: Checking or savings account

This bank is horibke with me I want them to offer me a contactless debit card and credit card its not fair why cant this technology be released
Product: Credit reporting or other personal consumer reports

Equifax, Experian, and Transunion failed to conduct proper and reasonable investigations regarding inaccurate information on my consumer report. Equifax, Experian, and Transunion.

failed to conduct proper and reasonable investigations regarding inaccurate information on my consumer report. Equifax, Experian, and Transunion also continued to repeatedly ignore my documents and evidence submitted along with the disputed information I provided through Cfpb complaints. XXXX, Experian, and XXXX often responded back to my disputes with misleading information, ambiguous, non-descriptive, vague, and confusing reinvestigation results. The disputed items always came back as accurate and pursuant to 15 USC 1681 ( 6 ) ( B ) iii, I requested the description of the procedure that was used and was ignored by Equifax, Experian, and Transunion. The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers ' credit reports are accurate.

15 U.S. Code 1681e - Compliance procedures ( 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.

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency 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 and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), 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.
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 violates 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 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 card or prepaid card

Please help me here as I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

The Best Service Company in XXXX XXXX which is nothing more than a 1 person company trying to get money from people. She figured out how to put debt on your credit and not only cant produce the proof but also has the worst attitude, speaking nothing but lies. Im in the bank that she reported to my credit that said I owed but when trying to put the bank on the phone with her she keeps hanging up in my face. This is not a real company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX IS MISTAKENLY REPORTING NEGATIVE FORECLOSURE VERBIAGE ON MY ACCOUNT. MY ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY AND IS IN FACT PAID OFF. PLEASE REMOVE THE FORECLOSURE VERBIAGE ASSOCIATED TO THIS ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. please delete all incorrect information asap to update my file.
Product: Credit card or prepaid card

I had an account opened in a large well known Bank in New York, XXXX said I could only have access to it by means of an ATM Card, which I do not have a problem with, but when they decided to send it they suddenly said it had to be insured!! As I had already asked for a copy of the front and back of the card, I noticed there was no three digit code on the rear!! I have never seen a card without this code!! When I questioned them the said it would be given to me together with the pin code upon receipt of the card, which I find unusual but not a real problem, they also said thus was for security purposes!! 
So if this is so why charge insurance?? 
There only answer was that unless I paid I would not receive the card. 
Sorry but I find this intolerable and more like a scam?? 

XXXX XXXX XXXX
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.

Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

XXXX $ XXXXOriginal : Not Available Opened:XXXXReportedXXXXAct. # : XXXX : Unknown Received threatening letters and phone calls from this company between months of XX/XX/2022 to XX/XX/2022 and it is definitely affecting my life and lively hood to purchase a home and business loan from the bank please help me resolve this issue ASAP please and thank you I have not supplied proof first under the doctrine of estoppel by silence, engelhardt v. rick stevens graves ( mo281 SW 715, 719, ) I presume that no proof of the alledged debt, nor therefore any such debt, therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding fraudulent and unknown inquiries on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me. My information has been impacted by the recent Transunion data breach and may have gotten compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of erroneous credit scoring by Equifax Credit Bureau and none of the options on this site refers to it as it refers to my student loan servicer, who is reporting correctly to the three credit bureaus. 
My student loans are listed as 9 different payments by my loan servicer on my credit reports. On XX/XX/2020, Equifax Credit Bureau lowered my credit score by 50 POINTS due to my student loan balance had DECREASED and the fact that my payments have been deferred due to the current ( natural disaster ) Covid-19 pandemic. It is my understanding that this should NOT affect my credit score during this time of natural disaster as a low credit score prevents me from receiving assistance during this time that depends me having a credit score of 620 or better.
Product: Debt collection

I had filed a dispute with " jeffcapsys '' that i had no knowledge of this account. On XX/XX/2019 they replied that the account information was correct and that is was going to stay on my credit report. I dont even know this company or who they are besides i never signed any agreements or documents ir contracts with this company so i would like this removed from my credit report. Besides theres 2 accounts with " jeffcapsys '' on my credit report with different amounts one for {$240.00} and the other for {$460.00} so i need these removed please and thank you
Product: Debt collection

I am still receiving repeated calls from this agency nonstop. They call anywhere from XXXX till late at night. I do not know the nature of these calls or the debt associated with them. I filed for bankruptcy and everything was included.
Product: Credit reporting or other personal consumer reports

Received an email from CreditKarma stating I had new changes on my XXXX report. It stated " Your collections balance was paid off recently... Your XXXX XXXX increased recently. '' I have never had debt in collections and this shocked me. I went to annualcreditreport and pulled XXXX reports, as the XXXX XXXX failed to load. 

I got a copy of my XXXX report and no collection balance was reported whatsoever. 

CreditKarma told me I had a problem I did not have - I can not run the XXXX report without payment from XXXX again because of CreditKarma 's deceptive email notification.
Product: Debt collection

I tried to contact this agency a bunch of times to get the written agreement and also a letter and a 1099c and didn't know I was able to dispute the debt they've contacted me even when I was in XXXX XXXX but was unable and once I've passed I made payments monthly but never received a letter to confirm my payments or agreement and was never informed I can dispute it. Also the fact that the amount I was owed was different from what I actually owe. I tried calling them back and when they finally answered they tried to either charge me more from some different account. Or just hang up on me
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not reporting any of my accounts that belong to me, the accounts are listed below : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX   XXXX # XXXX XXXX XXXX # XXXX XXXX/XXXX XXXX # XXXX NONE of these accounts are reporting and should be!! yet Equifax will report fraudulent accounts that don't belong to me!! I need these accounts to be reporting properly!
Product: Credit reporting or other personal consumer reports

XX/XX/year> {$660.00} a collection was posted on my credit report that doesnt belong to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this collection was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX     2017, My  mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 business days for the investigation to be completed.       XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would ta ke 60+  days for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still be  60-90  days before my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
Product: Checking or savings account

I opened the business account with the company name and Bank Of America Withdrew XXXX dollars without my knowledge, I came to know 3 months later about this.
Product: Checking or savings account

I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back. 

Also I had to email them to remove monthly fees every month, although I kept the required {$2500.00} balance from beginning to avoid that fee.
Product: Debt collection

A collections account for someone else was placed on my report and Ive never had XXXX XXXX or lived in XXXX.
Product: Credit card

I listed tickets to a concert on XXXX. A buyer bought the tickets. I delivered the tickets to the buyer. However, because I used a method other than the one XXXX suggested, they assumed I did not deliver the tickets, cancelled the sale and charged me a fee equal to the cost of the tickets. 

I confirmed with the buyer of the tickets that they received the tickets, attended the performance, and did not contact XXXX to have them cancel the sale. 

Since I did not fail to deliver the tickets, I should not have been charged a fee for failure to deliver the tickets. I contacted the credit card company, XXXX XXXX, to dispute the charge, but they did not respond and sent the account to collections. I have contacted the collection agency about the debt, but they only respond by sending me copies of the XXXX XXXX statement, which indicates there was a balance, but for something I should not have been charged for.