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

On XX/XX/XXXX I wrote to Alliant Credit Union to close both my checking and savings account due to poor customer service. I received a response by email dated XX/XX/XXXX stating my savings account would have to remain open in order to maintain my membership even though I requested via mail to close the membership. On or around XX/XX/XXXX Alliant Credit Union deactivated my debit card and left me over 3 weeks with no access to my accounts which led me to close all my accounts with the bank. Today, I see a return check fee for {$25.00} on my account even though I have requested this account be closed and transferred all my money to my new checking account. Every time I call, I am on hold for hours trying to speak with someone. I can not continue to wait on hold due to being employed. I would like my accounts with Alliant Credit Union closed for once and for all and refunded the {$25.00} account fee as my account should have been closed and not open. I have written in a second time trying to close this account on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to ExperianXXXX XXXX XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 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: Debt collection

Working with XXXX XXXX XXXX medical supplies for XXXX XXXX supplies. Company is very messed up on website and billing. Bills came with number and very confusing information. Called numerous times over a year, even reps at the company were confused about account and they said they can not see what I see on their own website which is crazy. Finally changed suppliers and things are fine. But XXXX XXXX XXXX is saying I owe {$180.00} which I do not believe I do since website has numerous duplications of equipment and items I did not order. It finally went to XXXX XXXX XXXX and I requested in plain easy to understand what items they are supposedly billing me for. Its been over a month now and have not received a statement as of yet. Today the collection agency called me to pay and I said I am awaiting paper work. They inturn said yes XXXX XXXX XXXX has not gotten back to us. so I said why are you calling me then. They just apologized. This company is just a crazy mess and I want this to stop. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Checking or savings account

I have reported to Chase Bank, XXXX XXXX, Chase Bank XXXX from the XXXX, Ma XXXX on XX/XX/year> at XXXX committed ATM debit fraud by obtaining my ATM pin during a visit to the branch and has been disclosing account details at Chase Bank XXXX well as obtained and compromised my SS #.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorcugh investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Never received anything about this. Called company got rude person told me would be going jail if I didnt pay this bill. Called the orignal company advised me the account was in dispute under fraud not sure why they received it
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy United states Bankruptcy Court explaining they do not report to any of the credit bureaus. So how are you verifiying this information if the source is saying they don't report to any credit bureaus. You are reporting inaccurate information according to the Fair credit reporting act 15 usc 1681 e ( 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. 
If any information is indeed inaccurate According to 15usc 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.
Product: Checking or savings account

XX/XX/XXXX at night, I was trying to transfer my money from my Citi checking account to another bank, I have tried several attempts but all failed because the system wrongly judged them to be suspicious activities. I tried to call the fraud department at the moment but no one picked up after XXXX mins holding. I needed the money to pay my bill so I finally managed to submit the transfer requests successfully, with a few small amount transfers ( $ XXXX ). The next day ( XX/XX/XXXX ) my legal, valid transfer activities were treated as suspicious activities again, and Citi completely blocked my online access. I tried to call Citi bank on XX/XX/XXXX and told them clearly it was just money transfer between my own accounts ( Citi and XXXX ) but they still asked me to call them back for a further review. This is ridiculous, infringing customer 's valid rights and should not be allowed by law.
Product: Checking or savings account

I have retirement plans with TIAA and there holding my funds due to their bank errors. I cant see my balance and any activities with stocks going up or down. They have been promising me that the issues would be fixed but it seems like they dont know where the issue is and why my balance shows XXXX.
Product: Mortgage

My husband and I took out a home mortgage loan and CitiMortgage is the current holder of this account. We have tried to work with them when we became behind on our account. We spent almost XXXX years trying for Harp or Hope assistance from them. It seemed they would not have received XXXX or more documents and then XXXX they would acknowledge they received the necessary paperwork, something new would have to be sent because it was now outdated. We finally gave up after XXXX years. Family members gave us {$25000.00} to place on our mortgage to help. We then asked CITI Mortgage to rewrite our mortgage at a lower rate, and they refused because we were not behind any longer. 

We then ended up filing bankruptcy chapter XXXX. We then tried keeping up with the payments however, we fell behind due to illness. We then put our home on the market and have received an offer. Due to the fact it took a year to sell, our sale has now turned into a short sale. On XXXX XXXX, 2015 we sent in the final paperwork we were told needed to be sent. We gave permission to the representative to talk with our Realtor on our behalf. The Realtor has sent in the necessary paperwork. When we called to find out when we would get the answer to the short sale, we were told once she got the paperwork, she would send it to the underwriter to approve and we would know. My husband has tried on several occassions to contact the rep from Citi and has been unsuccessful. Our Realtor has tried also. Today, XXXX XXXX, 2015, we finally were able to reach a rep and the told us we had missing items. My husband became frustrated and immediately called back to Citi and our representative happened to answer! She informed us she was on another call and could not talk to us. With a little prodding we were able to get her to agree to call back after her call. We then asked her where we were in this process. She told us we were missing items -- our Realtor had n't sent in her paperwork. We told her we just talked with her and she did both send and faxed the necessary paperwork. The rep said " let me look again. '' I used my cell phone and called my Realtor and explained what was happening. The Rep then came back on the line and said things were expiring/or expired and so she could n't do anything until she had updated documents. We told her we would update the HUD paperwork and send the addendum to the listing contract but when could we expect an answer on the short sale. She stated she had no idea because it had to go to the underwriter, the board, and the investors before it would be approved. When asked how long this would take she said she had no idea. She then accused me of yelling at her and I explained that I was not yelling. We then asked this to be expedited ( a HUD agent told us to do this ) and she said she would transfer us to her supervisor. She put us on hold and then after about XXXX minutes hung up on us.
Product: Credit card or prepaid card

CHASE BANK. My wife and I placed money down on XXXX in XXXX for XXXX vacation. When it was decided that we could not go, XXXX promptly refunded our money on XX/XX/XXXX as set forth in the terms. The problem was that I had unfortunately, on XX/XX/XXXX, closed the credit card account used to make the deposit. The monies, {$690.00}, however, were sent to that closed account. The bank is Chase Bank. I have the account number, payment code, and trace number if needed. I have since called Chase Bank on several occasions and written XXXX letters to their Card Member Services address. I am stonewalled at every turn as their help line, XXXX, is a maze of reconnections leading nowhere and each time I write, I receive a letter that says, " We are not able to fulfill your request ''. The reason we cancelled the vacation is that my wife and I need those funds for medical expenses.
Product: Mortgage

I was only comparing rates for a mortgage. House was paid as a cash purchase. No mortage was required.
Product: Debt collection

I am writing to dispute a fraudulent account on my credit report. The account in question, listed with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX are not authorized by me and appears to be a result of identity theft. I trust you will conduct a thorough review and provide written notification of the investigation results, including any corrective actions taken.
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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Dear Sir or Madam, I am writing to formally lodge a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Several months ago, I requested a Debt Validation Letter from this organization as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, to date, I have not received any response or the requested validation of the alleged debt.

In the absence of a Debt Validation Letter, I am unable to verify the legitimacy of this debt. This failure to respond constitutes a violation of the FDCPA, which mandates that a debt collector must provide validation of a debt upon request.

Given this lack of response, I am formally requesting that this alleged debt be removed from all credit bureaus immediately. The failure of XXXX XXXX XXXX to provide the requested validation leaves me with no other recourse but to seek your assistance in ensuring that this erroneous debt is expunged from my credit records.

I trust that the CFPB will take the necessary steps to address this issue promptly. Thank you for your attention to this matter. I look forward to your swift response and resolution.

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Debt collection

I stand before you today as a victim of the unethical and abusive practices of LVNV Funding LLC, a debt collection agency that has caused me immense pain and hardship. 

Their tactics have gone beyond what is legal and ethical, and have caused me extreme stress and XXXX. They have called me repeatedly, sometimes multiple times a day, even after I have asked them to stop. They have used threatening language, and have even gone as far as to contact my employer, resulting in the loss of my job. I can not begin to express how devastating this experience has been for me and my family. 

But the harassment didn't stop there. LVNV Funding LLC also called my landlord, my friends, and my family, asking them about me and my finances. They even called my manager and asked how much I was earning, which is an invasion of my privacy and a violation of my rights. 

As a result of their constant calls and harassment, I lost my job, which has had a significant impact on my financial stability and well-being. I have struggled to pay my bills and provide for my family, and the stress and XXXX have taken a toll on my mental health. 

In addition to the financial and emotional hardship, LVNV Funding LLC 's actions have strained my relationships with those closest to me. My landlord and friends have expressed frustration and concern over the constant calls, and my family has had to endure the stress and XXXX alongside me. 

I am here today to speak out against LVNV Funding LLC 's abusive and illegal practices, and to demand that they be held accountable for the harm they have caused me and others like me. The emotional toll of their actions has been overwhelming, and it has taken a toll on my mental health and wellbeing. 

I plan to file a complaint with the XXXX XXXX XXXX and will explore all legal avenues to seek restitution for the harm they have caused me. In addition, I will be contacting my state representative and state attorney 's office to bring their attention to the unethical practices of LVNV Funding LLC and to urge them to take action to protect consumers. 

It is my hope that by speaking out about my experience, I can raise awareness about the abusive practices of debt collectors and prevent others from experiencing the same pain and hardship that I have endured. 

I urge you all to join me in standing up against these illegal and unethical practices. Together, we can hold LVNV Funding LLC accountable for their actions and ensure that consumers are treated with the respect and dignity they deserve. 

Thank you for your attention and for your support as I work to seek justice and hold LVNV Funding LLC accountable for the harm they have caused me and others.
Product: Debt collection

Adhere to the law and promptly block the fraudulent accounts listed below from my credit file as required by FCRA Section 605b. Failure to comply within 4 business days will leave me no choice but to pursue legal action, and I demand your immediate attention to this matter. I expect swift action to rectify this situation, and your compliance with the legal requirements is crucial to avoid legal consequences. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I issued a money order in the amount of {$800.00}, payable to Affirm , Inc . This money order was mailed on the same day to the payment XXXX XXXX XXXX by Affirm. The money order was established and governed under UCC-3-419, UCC-3-104 , UCC 3-608 , UCC 1-308, 18 U.S.C. 8, and included language under CFR 328.6 for presentation to the United States XXXX  for new issue, redemption, or exchange, along with all other applicable laws governing negotiable instruments. 

As of today, XX/XX/year>, the payment has not been applied to my Affirm account, and it is now incorrectly listed as past due. The payment was delivered well before the due date, making this past due status an error.
Product: Credit reporting or other personal consumer reports

For the past couple of months, I have been dealing with an issue with not being able to log into my TransUnion account. Ive made it very clear to TransUnion over and over that I cant get in. They cant get in the issue needs to be fixed every time I speak with someone they keep transferring me over to over to people and then when you express how upset you are, they get upset they talk to you. They hang up on you and then they have attitudes when you call back. This is very, not a customer service company and theyre dealing with my personal credit. Ive been needing this because I was attempting to buy a house after I finish some other personal issues and I cant get into my personal account. I swear XXXX needs to be fixed. I have attached a picture of the message. I received all of the time it says that I can not get past the security questions, but I have not ever been brought up to the security questions. Their system is blocking me out.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I used XXXX XXXX to send a seller {$85.00} to purchase a XXXX XXXX XXXX, in which they were to ship to me. After sending several messages, the seller stopped responding and never shipped the product. I claimed a dispute with chase and on XX/XX/XXXX chase sent me a notice stating the payment was authorized and that the {$85.00} they credited me will be removed on XX/XX/XXXX. I have not received product from this seller and cant communicate with them. They blocked me and are scammers and I have still have the messages showing this.