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

On XXXX XXXX I have sent a money wire to my older brother XXXX XXXX who resides with his family in XXXX XXXX The money sent was money owed to him from inheritance. The total amount was {$50000.00} I have sent the money using my Capital one checking account to his checking account in XXXX XXXX bank. On XX/XX/2022 my brother texted me stating his bank received a message that funds were put on hold and that they needed additional information. I called Capital one on XX/XX/2022 and they sent me a fax to prove that funds were submitted and it was good on their end and that no one has contacted them for more information. Then my brother did more investigation and it turns out that the intermediary bank which is XXXX XXXX is holding the money. I did a conference call with my brother with Capital one on XXXX XXXX and a case was open on why funds were not deposited and it asked for money to be either deposited or return. On XX/XX/2022 I called capital one bank and they said they open a new request for XXXX XXXX to release or refund the money, I called Capital one again on XX/XX/2022. They lady said XXXX 's XXXX is not responding and not releasing the money. I do not trust XXXX XXXX. I also did not ask Capital one to use them. They are keeping my money for no reason and I am not sure what they are doing with it, but I do not trust them and their history speak for them. I would like for the fund to either be deposited to my brother 's account or returned to me. Since Capital one is the issuing bank they bear that responsibility. 
I did not ask them to send the money via another bank, specially XXXX XXXX which I do not trust nor I have an account with Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

3 Accounts with Portfolio Recovery Associates I have written to Portfolio Recovery Associates and mailed certified mail on three separate occasions to have this debt removed from my credit report. I have requested to have Portfolio Recovery Associates to provide me with a copy of any viable evidence bearing my signature and as of today has not been done by Portfolio Recovery Associates, with any automated or XXXX verification is unacceptable. I have also notified Portfolio Recovery Associates that by continuing to report on my credit report it is a violation of the Fair Credit Reporting Act. I have also notified in all my three certified mail letters that if not removed from my credit report that I will file a small claims action against Portfolio Recovery Associates. Only response I receive from them is a that the claims have been verified and they will not be opening another investigation, but have not responded to me with viable evidence bearing my signature. Their office considers this matter closed and I do not have any evidence and how can they close this matter without sending me what I have disputed. 
Account numbers are as listed : XXXX for the sum of {$2300.00} XXXX for the sum of {$910.00} XXXX for the sum of {$340.00} All three accounts do not have my correct name and have wrong address on the bills. 

Thank you for your time and I look forward to getting these 3 matters cleared up and off of my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX
Product: Money transfer, virtual currency, or money service

I have been with Paypal for over XXXX years with no issues or hiccups. Out of random i received an email on XX/XX/2021 at XXXX PM that my account was closed and that i was unable to use paypal anymore due to filing cases with the XXXX XXXX XXXX contrary to the terms of the user agreement. This came as a surprise because i received no warning with paypal or any issues with my account and the last dispute was done XX/XX/2021 Paypal had the last say in the disputes and approved them all so why am i being penalized as if i did something wrong
Product: Debt collection

Information from my original complaint dated XX/XX/XXXX : Around XX/XX/XXXX, I reopened my USAA checking and savings accounts. During this time, I was searching for a personal loan due to being in the final stages of building a home. By XX/XX/XXXX, I ended up applying to a lending company that asked a few questions I felt were about personal information, but I applied anyway and soon after that I started to notice suspicious activity occurring on my account and an unknown external account, which I never authorized to be attached to me account. I notified USAA as soon as I found out about this on several occasions and asked to have the account detached from my profile and the money returned to wherever it came from. I was told that the account belonged to XXXX XXXX when I spoke to one of the representatives and I explained to her that have never owned an account with XXXX XXXX. In XX/XX/XXXX, when deactivated the debit card attached to the account, I started receiving threating text messages and phone calls from someone regarding the money and this account. Immediately, I went and filed a police report at my local department. Shortly after, I received correspondence from USAA stating that they were no longer going to do business with me due to the suspicious activity on my account and although I made numerous calls before and after these letters, I had been given the run around and routed through several departments to be told that my calls were not recorded or there was nothing that could be done about the situation. In XX/XX/XXXX, I received two letters stating that USAA was able to garnish my Federal Income Taxes and my Military Pay. I dont know how this has been able to happen because I havent heard from this company since XXXX. I was a victim of fraud and I can not afford to have over {$6000.00} taken from me when I didnt paly any part in this situation and I notified this bank on numerous occasions to try to stop this from occurring. Can you please help me? 

Additional Information : USAA knowingly allowed fraudulent checks to be drafted on my checking account. When I spoke to a representative regarding the money that was taken from this account, it was acknowledged that USAA NEVER created checks for ANY of my accounts, the checks that were paid had my name misspelled and other errors on it, and my signature was clearly wrong. I also don't know how USAA was able to garnish my military benefits under the Servicemembers Civil Relief Act without my knowledge.
Product: Credit card

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is continuing to furnish inaccurate information on my credit report regarding the balance of my XXXX student loan account. The entire balance of my XXXX student loan account has been discharged and forgiven by XXXX, yet this consumer reporting agency continues to disclose a false balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is another persons name on my Transunion report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexus refuses to correct the information they somehow connected to me. i have tried numerous time since 2009 to correct my credeit reports. the 3 agencies have fixed all the errors but LN has never responded and I am having problems again. And these companies use LN. I have presented my credit reports to banks, credit unions and card companies but they use Lexis Nexis and they are wrong but will not correct the records. Because of them my identity has been stolen twice. I filed bankruptcy both times but LN is at it again. Because of them i am paying very high credit rates. Because of them i can not bank online because the credit union uses LN. I am not sure why or how they stay in business but when it comes tome to vote to no longer allow the credit agencies to be used i will vote them out.
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 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.

for these violations.
Product: Debt collection

My name is XXXX XXXX and I reside at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX # XXXX Midland Founding LLC sued me for an old credit card dept, {$3700.00}, they had on their records with California Superior court XXXX county, case # XXXX. Which they claim that they have collection rights from XXXX XXXX. 

I went to court on trial on XX/XX/XXXX in person trying to defend myself since I could not afford an attorney and lost the case and now due to my financial problems I need to file for Bankruptcy and I even can't afford an attorney to help me to file for the BK. 
The documents they used against me was only data files that they had purchased from XXXX XXXX and statements that were not exclusive to me. They did not provide anything else. I disputed the dept and they responded by a single page letter that per their internal records I owe them money and not provided any other evidence. I reference the Consent order between CFPB and Midland to the judge, he said this is just some documents from a federal department and does not apply to state court, although the doc clearly says it applies to state and federal government. Midlands attorney did not speak in the trail and  the judge soley relied on the documents and asking me questions to give his vertict per the evidence given by Midland I expressed that the documents are hearsey and they are in violation of the consent order between CFPB and Midland but the judge was not interested. 
Prior the court they put negative report on my credit and that caused me denial of credit when going through a dental procedure and I suffered for a month before I had to pull an infected tooth. Now l am broke and feel defeated. I have been working 60 hours a week none stop for 5 years and always short and now they have the judgment to go after me to probably embarence me at work and my bank. I don't know what else I can do.
Product: Debt collection

I have been contacted repeatedly by MediCredit by phone over the last three months, starting first on XX/XX/XXXX, regarding a bill from XXXX XXXX in XXXX, Missouri. Upon the first phone contact, I requested a debt validation letter be sent to my address on file, which was agreed to by the associate. I have still not received any debt validation letter. 

During a 3-way call that took place on XX/XX/XXXX between myself, MediCredit and my insurer, XXXX, we determined that the bill in question had already been paid by XXXX at the contracted rate between XXXX and XXXX, and that no further collections action could legally be taken by XXXX. XXXX had attempted to increase the amount owed to them by me by classing my visit as out-of-network, but XXXX had classed the reason for my ER visit as a legitimate medical emergency, and paid the rate contracted to XXXX as an in-network hospital for services rendered. Thus, XXXX erred in sending any bill to MediCredit for collections activity, and MediCredit had no standing to continue collection efforts. It was agreed on this call, which was recorded by both myself and by XXXX 's representative on my request as well as by MediCredit per their policy, that collection efforts would cease until a letter could be sent to XXXX by MediCredit confirming the amount owed, and that XXXX would take over and finalize the negotiated amount paid by insurance. 

However, since then, I have continued to receive multiple calls from MediCredit regarding this bill, and no letter has been delivered to XXXX ( confirmed XX/XX/XXXX by a XXXX billing representative ) or to my home address. I believe these continued collection efforts constitute a violation of the Fair Debt Collection Practices Act, and intend to pursue legal action if MediCredit does not make good on its word to settle this through XXXX.
Product: Credit reporting or other personal consumer reports

I never had a credit card from capital one, never used it or received it and they put a hard inquiry on my XXXX credit report.
Product: Credit reporting

XXXX XXXX XXXX XXXX is attempting to collect for an account that is not mine. It was my girlfriends XXXX account that I was ONLY an authorized card holder on. It should be removed due to this. XXXX shows it on my credit report as charged off in XXXX. The breach of contract happened in early 2008. The account for XXXX XXXX XXXX XXXX is beyond the FCRA limits of 7 years and should be removed for that reason as well. They are also violating the FDCPA because I have asked them to validate this debt prior to reporting it and they refused. So I have XXXX and XXXX XXXX XXXX reporting a bad mark on my credit that should n't be there because it is over 7 years and it was n't mine and to top it off they refuse to validate it or allow me to prove it is n't mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX. Please remove this inaccurate information from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Mortgage

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Product: Credit reporting or other personal consumer reports

It has come to my attention that my student loans with Nelnet are past due. I have been receiving emails from them monthly stating my account balance is {$0.00} and in good standing. I then received a credit alert that the nelnet account is past due. I tried to login to their website on a daily basis for two weeks to see where the discrepancy is coming from. Im finally on the phone with the representative and they are telling me Im not even setup to receive electronic statements but as explained I do receive monthly statements from them. Unknown to me, they have only been sending statements for two out of the five accounts I have with them. I believe this is unfair because I rely on those statements monthly to make sure Im in good standing with nelnet. My credit has now been negatively affected because of this. The solution that the nelnet representative suggested is for me to opt out of paperless and then opt back in to paperless and hopefully that will correct the error.
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 COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Hello, my name is XXXX XXXX. On Friday XX/XX/XXXX, I was at dinner in XXXX XXXX with my XXXX and when I tried to pay the bill my card was declined. This is a card I have for my business account with Bank of America. Ive had this account for years, and I had over {$70000.00} in that account. After I got home I noticed a message in my BoA App saying of possible fraudulent transactions on my account. There were 8 transactions total, 6 were store purchases in New Jersey and 2 wire transfers to Washington. All 8 together was over {$13000.00}. They were most definitely not me, I was at a restaurant in Laguna getting my card declined while this was all happening at the same time. The message prompted me to call a number if it indeed was fraud and not me, and so I called right away and I filed for a fraud claim. After talking to someone and explaining everything they easily understood it was fraud and were very helpful. I got the 6 from New Jersey back within a week, but the 2 wire transfers to Washington for over {$9900.00} together, were not sent back. I was patient as I know it can take time but I was still calling almost every day to be proactive about getting my money back. I filed a separate fraud claim about those 2 transactions and every time I called to check I was only ever told to wait and call again in days/weeks. I called yesterday to check only to find out the claim had been denied. I do not understand how that is possible if BoA already recognized the other charges as fraud from the same exact time. I am not going to let this go until I get my money back. I have been with BoA for years and I have a lot of money with them. Along with all of these that Im dealing with, I also have a check I sent out through the mail to pay property tax on my house and that check was stolen and somehow cashed by whoever stole it. I have filed for fraud on that check multiple times for months and Bank of America only ever denies me. I filled out the fraud claim with the help of a professional in a Bank of America and was still denied saying I didnt send the packet correctly? It doesnt make sense. I feel like Bank of America has been treating me very poorly, and I am disrespected. I need to be helped by someone who can do something about this, and I need my money back.
Product: Bank account or service

I used my BB & T issued debit card to get XXXX XXXX from an ATM at XXXX airport in XXXX, XXXX on XX/XX/2017. The ATM machine did not work. After I entered my information and selected the amount of money I wanted to retrieve the ATM screen turned white and after a couple minutes it said that the transaction did not go through and that the machine was out of order. 
When I came back to the US I was surprised that BB & T charged my account {$210.00} for money that I had not received. I complained to my account manager on XX/XX/2017. She initially told me that I needed to contact the XXXX bank who operated the ATM machine and that she was not there to know what exactly happened. After pressing back and pointing out that her customer service approach did not make sense, she placed me on hold to looked further into a resolution. She eventually told me to stop by a BB & T branch to file a complaint. I complied and filed a complaint and the charge was provisionally reversed on the same day. To my surprise and without further communication from BB & T the charge was reversed and my checking account was charges {$200.00} dollars on XX/XX/2017.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.