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

My bank Banc of California located in XXXX and XXXX XXXX had 10 days since XX/XX/2019 to dispute a charge from a merchant The XXXX XXXX XXXX   XXXX for {$730.00} on XX/XX/2019 that was an unauthorized charge I never signed for when the XXXX police department was on the scene the employee name XXXX requested me to sign a document authorization get a charge for XXXX that I declined to sign because she was over charging me the receipt I received from the Manager on XX/XX/2019 reflected that I owed a balance of {$240.00} and on XX/XX/2019 XXXX charge me debit MasterCard ending in XXXX for XXXX. XXXX also give me a receipt reflecting a credit of {$550.00} back to my bank account with XXXX XXXX XXXX XXXX of XXXX XXXX CA debit card ending in XXXX but the credit was never applied to my account put my card in a over draft amount. I have send both bank all documents needed to dispute the charges and there has not yet been a resolution. I have spoke with XXXX and XXXX of the XXXX XXXX XXXX for Banc of California in regards to speaking to the dispute department XXXX had advised me that the dispute will not contact me only her and she will summit all document that I Offered her on XX/XX/2019 when the dispute was filed by the end of the business day today which is over the ten days I was advised that the dispute process would take. I have tried to resolve this issue with Merchant on XX/XX/2019 by talking to the manager the front desk associate XXXX who refuse to give me her name another front desk clerk give me her name. I also went to the location and spoke to XXXX today a Manager XXXX over the phone the evening around XXXX western time and they all dont have any receipt XXXX ask me to give him copies of the credit receipt that was never posted to my account with no resolution they all are acting as thou they dont know how the credit was not issued back to my card. I ask for the corporate phone and called there today with no response as of right now. XXXX who worked at the XXXX stated that all charges before XX/XX/2019 were not charges to my accounts but authorizations and without premission charge my account for XXXX.
Product: Consumer Loan

I had a lien through Fifth Third bank on my vehicle. I paid the lien off on XXXX XXXX, 2016 and it is now XXXX XXXX. I have called for the past two weeks to have them fax a document over to VA DMV with the notice that my lien has been paid in full and to release the title so that I can transfer it over to the new buyer. I have explained to 53rd that I do not need the actual title and just a lien release statement. To this day they have still refused to fax anything over. They have also told me on several occasions they are faxing the docuemtnation over. Each time this has happened they have not actually faxed anything to DMV. I have requested to speak with a supervisor, but only been told no one can come to the phone to help me out and just left on hold. 

The letter that was sent to DMV was a notice acknowledging they have received my wire transfer and the loan has been paid off. However it did not include my VIN # or the vehicle. They keep telling me the transfer is still being processed and I must wait 10 full business days before my lien is released.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block, inc. ) due to inadequate customer service & unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely & effective measures to prevent and address fraud on their platform, leaving my account vulnerable & 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, XXXX XXXX reporting agency, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists " XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 

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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 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: Credit reporting, credit repair services, or other personal consumer reports

I PURCHASED A MOTORCYCLE TIRE AND FINANCED IT THROUH AFFIRM IN EARLY 2021. I HAVE MY CHECKING ACCOUNT NUMBER AND IT WAS DEBITED MONTHLY. LATER ON I GOT EMAILS SAYING MY ACCOUNT WAS PAID LATE, WAS IN DEFAULT, ETC. AFFIRM SUBSEQUENTLY NOTIFIED XXXX THAT MY ACCOUNT WAS IN DEFAULT AND MY CREDIT TOOK A BIG DIVE. 

IF PAYMENTS WERE MISSED OR WERE LATE AFFIRM IS TO BLAME. THESE PAYMENTS WERE TO BE AUTOMATICALLY PROCESSED AND DEBITED FROM MY ACCOUNT. XXXX HAS BEEN NOTIFIED OF THIS ISSUE BUT HAS NOT RESPONDED TO ME. AFFIRM TURNED ACCOUNT OVER TO A COLLECTION AGENCY. I CALLED THEM AND NOTIFIED THEM OF THE PROBLEM AND THEY AGREED TO STOP COLLECTIONS. BUT IT IS STILL ON MY CREDIT REPORT AND I WANT IT GONE -- AND AN APOOLOGY
Product: Credit reporting

I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill XXXX past ones on my credit. I also placed a fraud alert on my report and have n't received not one call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a XXXX situation.
Product: Checking or savings account

My bank is supposed to have my back & help protect my money in dispute cases when refunds cant be worked out with the Merchant. 1 ) I did contact the merchant 2 ) I submitted my dispute to SunTrust for {$270.00} transaction 3 ) I sent the additional form for the 1st dispute. I have submitted a claim about this already but I am appealing their response as SunTrust is declining the dispute and not helping me. Its unfair and Suntrust keeps saying that I never sent them the form e-mailed with the confirmation which I did send How do I know if they received it? I assumed my dispute was being processed. I waited patiently until I noticed it suddenly disappeared from the claim center without any listed information on the SunTrust online banking page. Thats when I called support & they told me to re-send the affidavit.
Product: Debt collection

XX/XX/XXXX - Received a voice mail from NPAS. Said that they were representing XXXX XXXX - XXXX XXXX. Told me to call XXXX XX/XX/XXXX - Call the above number. Spoke with someone named " XXXX. '' She looked up my record and said she didn't see an outstanding debt so no idea why I got a call. She gave me an account number and said she was noting in my record that the account was clear. Also told me to call the " Regional Office '' at XXXX. 

Called the above phone number and talked to " XXXX '' at a XXXX XXXX patient business office. The account number that NPAS gave me was the NPAS account number so XXXX looked up my account by name. She affirmed what I knew to be true -- I don't owe them any money. She made a note in the my file that I called and that my account was clear. 

XX/XX/XXXX - Received another voice mail from NPAS. 

XX/XX/XXXX - Returned the call ; input the account number I was given on XX/XX/XXXX and the other personal identifying info ( birthdate, last 4 of ssn ). Automated system said this account was no longer being serviced by them and that I should call the regional office. Gave me the same XXXX XXXX number I was given on XXXX. 

I feel like I'm in an endless loop.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account is listed twice on credit report under two different accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ). Payment was made and was communicated to consumer ( myself ) from collector that it would be deleted from credit reports, but has not been deleted at of XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX - Mailed 2 money orders XXXX - XXXX XXXX - {$300.00} XXXX - Cardmember Services - {$300.00} XX/XX/XXXX - Found out both had been stolen & cashed. 
XX/XX/XXXX - Mailed complaint to Western Union along with a check for {$30.00}. 
Requested Copies - Never Received - Called & they emailed them the next day, I called them & told them it was fraud, Western Union said they would mail me fraud claim forms, which they could not email. 
XX/XX/XXXX - was told the forms had been mailed on XX/XX/XXXX. 
Today is XX/XX/XXXX - I still have not received the forms.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I, XXXX XXXX XXXX, purchased a brand new XXXX XXXX snowmobile from XXXX XXXX, located in XXXX, MI. The snowmobile was financed through Sheffield Financial , LLC, which is located at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX XXXX their phone number is ( XXXX ) XXXX. Despite having good credit, Sheffield Financial 's interest rate on my loan was extremely high ( about 15 %, as I recall ). 

All payments between XX/XX/XXXX and XX/XX/XXXX were made on or before the due date to Sheffield Financial. In XX/XX/XXXX, I contacted my personal bank ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX ) XXXX ) to see about refinancing the loan at a lower rate. 

On XX/XX/XXXX, XXXX XXXX XXXX  issued a check to Sheffield Financial , LLC, in the amount of {$8500.00} ( Check # XXXX ) to satisfy the remaining balance owed for the original loan from Sheffield. The loan issued to me by XXXX XXXX XXXX  has also been paid in full. 

Despite both the original loan and the refinanced loan being paid in full, Sheffield Financial continues to show on my credit report that I owe them a balance of {$9200.00}, with the last payment being made in XX/XX/XXXX. Prior to refinancing the loan, I made a payment in XXXX of XXXX, and I believe that I also made XXXX in XX/XX/XXXX ; neither of those is reflected on my credit report. The account balance is listed as " Current '', although it should reflect a {$0.00} balance and that the account is " Closed, paid in full '' as of XX/XX/XXXX. 

I've contacted Sheffield Financial two or three times to have this problem corrected. Each time they have said the records would be updated, but to date, nothing has been done. I have also disputed the account through the credit reporting agencies, but to date, no changes have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been exposed in various data breaches and someone was able to successfully open accounts for goods, services, or money that were unauthorized. None of the information is accurate and should be removed immediately because my reputation with the banking system is being ruined.This is ruining my chances of being approved for a mortgage.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquires I do not recognize. I have contacted all XXXX CRAs, and they refuse to dispute or investigate the inquires. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC $ 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3 XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I did not remove the incorrect information from my report i have called and I filed disputes and they have not let me talk to no one when I call and still have not removed anything
Product: Debt collection

My problems originated in late XXXX - early XXXX. I was struggling financially and had defaulted on a credit card with Capital One Bank. I was served papers on XX/XX/XXXX from Superior Court of XXXX County Georgia ( Civil Action File # XXXX ) informing me of the Civil Action filed against me by the now defunct XXXX XXXX XXXX XXXX XXXX, XXXX. of XXXX, Georgia XXXX. 
I settled this issue in person at the offices of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Georgia XXXX on XX/XX/XXXX for the sum of approximately {$5000.00}. While in the office, I was informed of another Civil Action they would soon be filing to collect approximately {$800.00}. I returned to their office on XX/XX/XXXX and settled this debt. 
On XX/XX/XXXX, I again received a notice of attempt to collect the above listed debts from the Office of XXXX XXXX XXXX at the same address listed above. I contacted their office by phone and explained these debts were paid in full. Sent them copies of the settlement letters I received from them on XX/XX/XXXX & XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I again received a notice of attempt to collect from the office of XXXX XXXX. I called the office and advised them the debt was settled and reminded them of the email sent on or around XX/XX/XXXX. I never heard back from them. 
On XX/XX/XXXX, I received a notice of attempt to collect. However, this time, it was sent from the Office of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. Mr. XXXX  & Mr. XXXX are Mr. XXXX XXXX XXXX and Mr. XXXX XXXX. XXXX. They are both listed as Defendants along with Mr. XXXX XXXX XXXX in Civil Action Case # XXXX filed in the U.S. Court for the Northern District of Georgia , XXXX Division dated XXXX. Also working at XXXX XXXX XXXX are ; Mr. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. All who are former employees of XXXX XXXX XXXX XXXX XXXX at the time of the above Civil Action. I called their office and asked for Mr. XXXX or Mr. XXXX to personally return my call. To date I have not heard back. 
On XX/XX/XXXX, I have again received a notice of a judgement against me. They are Knowingly attempting to collect a debt that was settled 12+ years ago with threats of a property lien or garnished wages. 
This matter has gotten very aggravating and needs to end.
Product: Checking or savings account

Fully opened an account via online platform and provided {$50.00} opening deposit and promotional code for a {$600.00} new account opening bonus on XX/XX/year>. On XX/XX/year>, received electronic correspondence that my account suddenly couldn't be opened because " information could not be verified. '' It was requested that I visit a branch location to complete the account opening. However, at this time, I am unable to do so due to a XXXX. To date, I have not received the return of my opening deposit, despite a request for same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence datedXX/XX/2018 I sent this company my disputes for items related to identity theft. By law the company is required to expunge all information from my credit report within 3 business days for identity theft victims. This was not done and my report is still marred by this fraudulent item. 

XXXX ACC # XXXX This is my final correspondence before taking legal action, I am requesting that they comply with the law and expunge these item within 3 business days Attached : Copy of my initial letter to this company Copy of my id theft report
Product: Mortgage

On or before XX/XX/XXXX, I was contacted by a LOANCARE representative, who called to inform me that I was behind on my payments by {$140.00} dollars. 

I had previously paid {$2300.00} to cover two months of payments ( XX/XX/XXXX/XX/XX/XXXX ), and had intended to send an amount covering two payments, but for whatever reason, entered the wrong value. 

I provided the agent with my checking number and routing number for my XXXX XXXX XXXX Bank checking number, and the representative asked if I wanted to set up automatic payments for my account, or set up the payment for XXXX. I declined and stated I would set it up through my bank. 

On the XXXX of XXXX, the agreed upon amount of {$140.00} was drafted from my checking account. 

On the XXXX of XXXX my checking account was debited {$1200.00} by Loancare. 

This brought my XXXX account negative, I received a Non-sufficient Funds ( NSF ) fee of {$29.00} and the money was credited back to my account. 

XX/XX/XXXX On XX/XX/XXXX, the funds were redrafted as a 'second attempt ' and went through successfully as I had gotten paid by then. This new charge of {$1200.00} went through successfully. 

XXXX has provided me the trace number and customer ID for this transaction. 


XX/XX/XXXX On XX/XX/XXXX, a second charge of {$1200.00} was successfully drafted from my account by Loancare from my XXXX checking account. 

XXXX has provided me the trace number and customer ID for this transaction. 

This marked the third charge, and the second successful charge made by Loancare, without my consent, approval, or initiation. At this point I contacted XXXX and blocked all further charges made by Loancare for the amount of {$1200.00}. 


I first reached out to Loancare on XX/XX/XXXX via phone and email. 
I provided screen shots of my bank account when they were requested by a Loancare representative. I called weeks later to find out that these were not acceptable, and that I needed to provide more information. I gave the new representative the trace number for the first charge over the phone. 

In XX/XX/XXXX I attempted to make a payment to begin bringing the account to current, while continuing to try and resolve this issue, but at that time my payment was returned and when I called, I was told that no further payments would be accepted as it was being turned over to a law office as a foreclosure. 

My house is now endanger of being sold, and all I want to do is find the missing money and bring the account current.
Product: Debt collection

I went to check my credit reports and I have three collection accounts with XXXX that are reporting thousands of dollars in incorrect information. The information is stopping me from attaining new credit. I have made repeated attempts to call or mail XXXX  for verification with no response.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX # XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  FOR XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021