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

On XX/XX/XXXX I sent {$1000.00} to a friend who resides in XXXX, FL. I used XXXX through my XXXX bank, as usual to make payments or send money for necessary things around XXXX. 
Apparently, I made a mistake I put XXXX on the part where XXXX requests what is the money for. I put XXXX because XXXX is a friend from XXXX. 
I requested a dispute with XXXX bank and they found out JP Morgan Chase Bank blocked the transaction due to the XXXX word written on memo. 
XXXX bank recommended me to apply for a license with the Department of the Treasury XXXX to unblock and release the funds. The application for a license was submitted back in XXXX of XXXX and on XX/XX/XXXX, of XXXX I received the letter from the Department of the Treasury informing me that XXXX has issued a license to JPMorgan Chase Bank to release the funds. 
XXXX bank and myself have been trying to get a hold of the department who handle these cases inside Chase bank but no-one knows what to do or what to say. The persona the money was sent also contacted Chase bank in several occasion and they keep telling her the money will be returned to me. 
Today, again XXXX bank and myself tried to talk to Chase Bank and they don't know what to do or where the money is. I need an investigation because I believe this is not the first time Chase has not returned the funds. This chase bank in XXXX is taking advantage of people who don't know English or don't know what to do to get their money back.. Today, my bank XXXX asked me to file a complaint with you to get to the bottom of this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is listing old and inaccurate information. there has been no credit report sent to me since I submitted a dispute in the past few months. it has been past 30 days without any actual updates.
Product: Checking or savings account

XXXXXXXX XXXX XXXX  unexpectedly closed a XXXX  CD ( {$150000.00} ) in the XXXX month. They sent a letter ( not email ) that they had closed this account. At the same time, they closed an XXXX XXXX ( {$10000.00} ) account. They can't/wo n't tell me where my funds are. They said they don't know when they will send the XXXX transfer OR when they will send a check ( s ). After the fifth phone call, they said the funds have been sent to " Unclaimed Property ''. We would appreciate 'legal ' and " official '' help. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( last XXXX digits ) : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Date : [ Insert Date ] Subject : Dispute of Closed Auto Account with XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of my closed auto loan account with XXXX, as reported by XXXX, XXXX, and Equifax. I have maintained that I was never late on this account, and it was closed out positively. However, the records indicate late payments that are inaccurate and damaging to my credit report. 

Account Details : Account Number : XXXX Account Type : Auto Loan Date Opened : XX/XX/XXXX Current Balance : {$11000.00} Payment Status : Current As of XX/XX/XXXX, I have contacted all three credit bureaus regarding this issue but have not received any communication or resolution. Therefore, I am requesting validation of the alleged late payments or correction of my payment history to reflect that all payments were made on time. 

Relevant Laws Supporting My Request : Fair Credit Reporting Act ( FCRA ) : Under the FCRA, I have the right to dispute any information on my credit report that I believe is inaccurate or incomplete. The bureaus must investigate and respond within a reasonable time frame. 
Fair Debt Collection Practices Act ( FDCPA ) : This act prohibits debt collectors from using deceptive practices when reporting information about a consumers credit history.

Truth in Lending Act ( TILA ) : Ensures accurate and truthful reporting of credit information to consumers. 
I demand that the incorrect late payments be validated or that my payment history be corrected to show that I have consistently paid on time. This negative information is not only inaccurate but also adversely affects my creditworthiness. 

Please acknowledge receipt of this letter and inform me of the steps being taken to address my dispute. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Navy Federal Credit Union is not providing validation to verify that three separate accounts belong to me. I will be uploading the considerable correspondence that has occurred regarding : ( 1 ) an auto loan ; ( 2 ) a credit card ; and, ( 3 ) an additional account that has not been clearly described in any written communication. I am requesting your assistance because when I wrote to secure the copies of the agreements for these alleged debts and a payment history to verify the amounts owed, I received a letter ( which I will be providing to you via upload ) saying that this information had been provided to the credit bureaus and that I should seek validation from the credit bureaus. I do not believe that this response is in accordance with the provisions regarding consumer rights under the Fair Debt Collection Practices Act. I believe Navy Federal Credit Union has this information and that their following comments are inappropriate and inaccurate : " We have investigated your claim and found the account information we furnished to the credit reporting agencies is accurate and that this debt is a valid debt owed to Navy Federal. If you wish to pursue this matter further, you may submit your dispute directly to the credit reporting agencies. '' I am hoping that you can intervene and help me secure the information I am seeking. I believe that Navy Federal Credit Union is the appropriate resource to provide validation.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion To Whom It May Concern, I am writing to formally dispute the accuracy of two accounts listed on my credit reports with all three major credit bureaus ( Experian, XXXX and XXXX ). The accounts in question are : XXXX XXXX  These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXXXXXX XXXX XXXX XXXX XXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation. 

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS XXXX XXXX XXXX or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA. 

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities. 

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting

Attention Consumer Financial Protection Bureau, now this is the way will do this, your role is to investigate Fraud. Ok here we go, Transunion is committing Fraud, there 's an account XXXX XXXX XXXX XXXX showing an balance of {$26000.00}, acct number XXXX ... ... ... .Auto Loan. XXXX XXXX XXXX XXXX mailed me a XXXX copy of the submission date of this Pay-off, XX/XX/XXXX. What Transunion is TRYING to do, and notice I said Trying to do is sabotage my Credit Score, and show high Debt-to-Income Ratios that effects Adjusted Gross Income PERCENTAGES, I 'm not a XXXX, Transunion is committing FRAUD. Now if you, CFPB are refusing to investigate, I will call, and call the Director XXXX XXXX XXXX office as an advocate for Consumer Justice for XXXX AMERICANS. I 'm certain that the Consumer Financial Protection Bureau is n't participating in this FRAUDULENT effort by Transunion. A lot folks seem jealous, XXXX I brought a new truck, the XX/XX/XXXX XXXX was paid off, real Real simple XXXX XXXX XXXX paid TRUCK off, there is a XXXX Balance, TRANSUNION IS COMMITTINGFRAUD, and I would ask that the Consumer Financial Protection Bureau step in " NOW ''! 
Also these XXXX have created a XXXX account that showing twice, they 've closed this CREDIT CARD account and this is hurting my credit score by XXXX to XXXX points. 
I 've contacted XXXX and they are sending me a letter stating that they are only reporting XXXX XXXX account, period, these XXXX XXXX are again attempting to sabotage my credit report, credit score to STOP THE FLOW OF CREDIT, FOR WHICH THEY WO N'T STOP! Listen up CFPB, I will continue to contact you via complaint internet until you folks investigate and I will starting calling XXXX office for assistance. I called XXXX office x-President of XXXX XXXX XXXX and it yielded2 % mortgage, XXXX Principle FORGIVENESS, I 'm an ADVOCATE FOR XXXX XXXX XXXX and I want stop Fighting, never will I allow Creditors to undo what XXXX XXXX, Congressman and Senator XXXX did for Consumers, NO NONOT ON MY WATCH, again I 'm a FIGHTER. Oh and Tell Transunion I 've just done another EQUITY Loan with XXXX to PAY OFF all credit cards, I 'm bring them down to a XXXX BALANCE AND THERE IS NOTHING, NOTHING THAT THEY CAN DO ABOUT! 
THIS will decrease DTI do to 17 %, WOW, WOW! 
Calling on you folks at the Consumer Financial Protection Bureau, let 's FINE these CROOKS TRANSUNION, Calling on your HELP! 
Bottomline CFPB, next response is that you folks have evidence from Transunion stating that ... ... ... XXXX XXXX XXXX XXXX states that this Auto/Truck is n't PAID-OUT realreal simple, the Question will be, does CFPB have evidence from TRANSUNION showing BALANCE NOT PAID OFF YES OR NO, Real simple! Also have them to submit to you CFPB DOCUMENTS showing that I have XXXX ... ... ... ... XXXX, Real simple HAVE TRANSUNION produce XXXX XXXX XXXX reporting. I 've not close my XXXX account these XXXX are hurting my credit score by about XXXX to XXXX spread points give or take XXXX to XXXX points calculations.
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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant
inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

In XX/XX/XXXX I was approved for a XXXX XXXX Mastercard with a credit limit of {$300.00}. It is a private-label credit card through Genesis Financial Solutions dba Genesis FS Card Services . The issuing bank is XXXX XXXX XXXX Beginning in XX/XX/XXXX I encountered difficulty in making my minimum monthly credit card payments due to unemployment as a result of the COVID19 pandemic. To date I have been charged {$480.00} in fees and total interest of {$120.00}. I requested that the account be closed in XX/XX/XXXX due to the highly excessive fees. My most recent statement shows that I have a {$0.00} past due amount, an over limit amount of {$100.00} with a minimum payment due of {$140.00} on XX/XX/XXXX. Yet, I was charged a late payment fee of {$38.00} for failing to make a minimum payment of {$270.00} on XX/XX/XXXX. Instead, I made a payment of {$170.00}. This is at the center of my dispute with Genesis FS Card Services. In prior conversations with customer service representatives I noted my disappointment with the minimum payment structure for the card in relation to other credit cards I have through XXXX  XXXX, XXXX XXXX, XXXX, etc. I have a stellar payment history and positive credit reporting through those issuers. However, that is not the case with Genesis FS Card Services. It appears that Genesis FS Card Services includes the over limit amount in the " minimum '' payment structure which can be heavy. For example, my XXXX statement reflects that I had a minimum payment due of {$650.00}. This included a past due amount of {$180.00} and an over limit amount of {$590.00}. In addition I as assessed a Penalty APR of $ 29.99 % for failing to make a monthly minimum payment within 60 days of my payment due date. It is unreasonable to expect a consumer to make a {$650.00} minimum payment. Due to my unemployment status I have been paying down my balance at a reasonable level and to prevent further harm to my credit reporting ( payment history ). Genesis FS Card Services did not and has not offered a modified payment structure for customers impacted by COVID19.
Product: Credit card

Citi credit card XXXX and XXXX purchases of approximately {$5000.00} were made on my account someone got the information some how and charged all these items. 

Citi was not forthcoming and kept saying will investigate and wait to business cycles and now I receive XXXX letters saying not fraudulent activity.. amount of {$190.00} XX/XX/XXXX and {$640.00} on XX/XX/XXXX as well. 

I am XXXX and hard of XXXX  and their questions were confusing but I know I did not use these service I was bill for. And this is the first
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft the person that stole my identity and attempted to get credit in my names was unsuccessful but they did put some inquiries on my equifax credit report All these accounts are fraudulent below I did not inquiry no credit from these companies. 

( Fraudulent Inquiries ) XXXX. XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XX/XX/ Equifax XXXX Equifax
Product: Debt collection

XXXX is a terrible company they gave me a debt of XXXX dollars for a phone I just got and I recently switched and now they 're trying to set a collection on me if I did n't pay I have the XXXX XXXX XXXX XXXX as my lawyer and if they think they can take me for a ride they ca n't I 've had numberous complaints about this company and how they poorly treat they 're customer told me I was a valued member. They harassed me and said if I do n't pay they would collect judgment all I had was a phone and tablet and they gave me a XXXX dollar fee because I was late paying them
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and the companies reporting to my consumer report are reporting negative accounts and collections that I didnt authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian before about someone trying to apply for credit in my name. I have been working hard to improve my credit so I can buy a house in the future. I have taken money management classes and I have learned what I can about credit. The only problem that I have with Experian is the fact that I put a FRAUD alert on my file. I assumed that it would stop whoever keeps running my credit. I thought that they were supposed to call me when an inquire for credit was requested. Yet, I have never received any calls and someone is still ringing up inquires which I did n't authorize. I am afraid that one day in the future they will be able to obtain credit in my name which I do n't want to happen. I woke up  with 10 plus inquires from other CB. I 'm so lost right now, I do n't know what direction to go. I have more inquires that I did not authorize and I would like them removed and also pointed in the right directions on what I should do to completely stop this. I lost my wallet last year and I never thought that it would come back to bite me all over again. There is only ONE inquire out of the 7 listed that I personally did myself because I applied for an apartment since my husband and I separated. These are the inquires that were not authorized by me. XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ha d two   Discover cre dit cards  XXXX  and  XXXX . About 15 years ago they started charging me for items that I did not buy. I would call them they would clime it was a computer error. The charges were taken off the  one c ard ONLY to be placed on the other card! I would call them now it was hackers. The charges were finely taken off BUT not the over draft and late fees and the charges rate went up! I quite use both cards.   Next the started transferring money fro m one card t o the other, charging me transfer fees, late fees, over draft fees ...! When I complain about this they would tell me pay or we take you to court.   In additi on Discove  r rep orted late payments, over drafts and others to the credit reporting agencies racking my credit causing me to have to pay more  in Insura  nces.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and removal of the following fraudulent accounts from my credit report in accordance with FCRA Section 605B. The following inquiries were opened or reported fraudulently and were not authorized by me. 

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
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I reached out to Experian in regards to a student loan account that they're reporting in their consumer database in reference to my credit history. However, upon examination of such report, I found that it contained damaging information and errors in said report. I reached out to Experian via U.S. Mail and explained to them that US Department of Education account is paid and full and reporting collections status dating form XX/XX/XXXX XX/XX/XXXX. Experian responded as " verified and updated ''. Im not sure what methods they used to contact US Department of Education and/or Consolidated Loans because when I reached out to them in regards to the information reported the letters were sent back as return and undeliverable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upstart loan was paid off in full in XXXX of 2022 but it still showing on my XXXX credit report as active with an open balance of {$1300.00}. 

My account on Upstart is showing that the loan has been paid in full, but this hasnt been reported to XXXX XXXX properly.
Product: Money transfer, virtual currency, or money service

Hello, on XX/XX/2024 at XXXXXXXX XXXX, I deposited a total of XXXX dollars into my checking account to a Bank of America ATM in XXXX, Virginia and have received nothing. 
( XXXX XXXX XXXX, XXXX, VA XXXX ) ATM NUMBER : XXXX Firstly, everything was working fine. I entered my information onto the ATM keypad and decided to deposit a total of XXXX $ in cash. I first brought out XXXX XXXX and deposited this money into the ATM to go to my checking account. It said it deposited correctly on the BOA ATM. After I saw that it worked fine, showed the right amount, and deposited correctly, I clicked the deposit more money option and proceeded to take out ( XXXX ) XXXX $ bills and deposit more cash my checking account, ( same day ) but, When I was depositing the last amount of my cash, the ATM spit out a error message, canceled out, and I didnt receive any money back at all. 
The error card said We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ) please contact the electronic claims team at XXXX to discuss this transaction.. I immediately checked my banking information to see if I had received the XXXX XXXX but, no transaction went through to my online account and I am stuck with no money. 

I later followed up about this issue with the XXXX XXXX department and explained everything that happened that day to them. They said I would receive mail, and temporary credit into my checking account ( 2-10 days ), and then would permanently add the money into my account ( this could take up to 45 days ) after this issue happened. It has been about 5 days so far. I do not have that much time to wait as I have to use this money to help payoff my families house payment. I have checked everyday, and I have received nor have been compensated for that error. I am concerned because I have not received my temporary credit nor any mail, and the money I deposited on that day was crucial to me. Any help would be appreciated, thank you. 
( image attached below for further information )
Product: Vehicle loan or lease

XX/XX/2014 XXXX I contacted the company in hopes to get this account removed which was not mines but they claimed it was verified but no actual proof of me signing any agreements
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting inaccurate and inconsistent data. I have contacted them directly along with the credit bureaus requesting verification and validation of debt and have only gotten a letter from them with a settlement offer. This account is also reporting inconsistent data as far as when the account was opened and has different last active and payment dates between each bureau. 

This account was originally reporting to all three bureaus but XXXX deleted this inaccurate account from my reports obviously because they saw that there was no proof this account belonged to me. XXXX XXXX XXXXXXXX could not even provide me with sufficient documents on how they believe this account is mine, instead they sent settlement offers which indicates they most likely can not verify this debt. 

How are XXXX and Experian able to verify this account as accurate when XXXX XXXX XXXXXXXX can not do so with me and XXXX could not verify this account? It is the responsibility of the consumer reporting agencies to report 100 % accurate information over the FCRA and they have not done so. I am demanding that this account is deleted from my reports now!
Product: Debt or credit management

Lexington law did not provide service that was promised after several months of payment.