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

On XXXX XXXX, I received a Chase Bank Debit card for a checking and a savings account that I did not open. I immediately called Chase Bank and had the accounts closed. They are sending me a fraud packet to fill out and return, and I will be filing a police report.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are not researching and properly reporting that the following accounts are in fact in dispute. XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) The  collection account listed is reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Product: Credit reporting or other personal consumer reports

The only address that should be reporting on my file is " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX '' Kindly delete the addresses listed bellow : XXXX XXXX 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: Prepaid card

On XX/XX/XXXX taking XXXX  from XXXXXXXX XXXX XXXX XXXX XXXXXXXX anyway headed home and XXXX XXXX stops in XXXX and our bus should be there to get us for XXXX XXXX mins. Hours went by and no XXXX  they forgot us and there was XXXX of us left us in XXXX XXXX for XXXX hrs I was scared to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Anyway XXXX  advertise that if your bus is XXXX hrs delayed you can ask for a refund for the full ticket so we did and XXXX  sd give it 7 days I call XXXX after the 7 days and I also did a dispute against them with my bank cash app. I called XXXX  and they sd they can't do a refund cus my bank came in on XX/XX/XXXX th and did a reverse. But cash app states they don't have that option to do a charge back and they still don't have any signs of my refund nor fini.. now cash app states on their website that if they can not complete or resolve your dispute in 10 business days they will automatically put in a provisional credit til the case is resolved but they seem to jump over that policy when it came to me. Now by rights I should of had my provisional credit on my card on XX/XX/XXXX. I called cash app back and none can answer me why I dint have it and they sd they have escalated my case ,4 times but still no provisional credit why,,,? XXXX can answer me. Plus they have the money back from XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my ongoing frustration and concern regarding repeated requests to remove a charge-off account from my credit report, which have gone unanswered. My name is XXXX XXXX, and I have always been committed to maintaining responsible financial practices. 

Upon reviewing my credit report from Credit Bureaus, I noticed that a charge-off account is still listed, even though I have submitted multiple requests for its removal with supporting documentation. I would like to outline the issues I have encountered : Charge-Off Account : The credit report contains a charge-off account that is no longer valid and should have been removed from my report long ago. I have taken the necessary steps to resolve and settle this account, and it should not be negatively impacting my credit any further. 

Ineffectual Response : I have submitted formal requests for the removal of this charge-off account to 3 Credit Bureaus on several occasions, accompanied by documentation demonstrating that the account has been settled or is in the process of being resolved. However, I have not received any confirmation that these requests have been addressed, and the account continues to negatively affect my credit score. 

I understand the critical importance of maintaining an accurate credit report, as it plays a pivotal role in determining my financial stability and access to credit. This erroneous listing of a charge-off account not only undermines my creditworthiness but also causes me significant distress and concern. 

I kindly request that Credit Bureaus take immediate action to investigate and permanently remove the charge-off account from my credit report. Specifically, I request the following : conduct a thorough review of the charge-off account in question, including the documentation I have submitted demonstrating its resolution, remove the charge-off account from my credit report to accurately reflect my current credit status, provide me with a revised and accurate credit report as soon as possible, reflecting the necessary corrections, I have attached copies of my credit report highlighting the charge-off account and all relevant documentation supporting my claims for your reference. 

I trust that Credit Bureaus will prioritize the resolution of this matter and take the necessary steps to rectify the inaccuracies promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. Please assistr me to remove this charge off account XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$810.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Account : XXXX XXXX XXXX XXXX Personal Info : Employers : XXXX XXXX XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX
Product: Debt collection

Cash Call frequently keeps calling for a man named XXXX XXXX even after I had repeatedly told them to stop calling my XXXX year old son 's phone, looking for a man that we do not know. It has gotten to the point where we tried blocking the numbers but they kept calling from new numbers. This has been happening since XX/XX/2015, and we are tired of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on XXXX, Equifax, and XXXX in violation of Federal Law. XXXX, Equifax, and XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX  of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10.The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Bank account or service

Chase Bank decided to charge me {$12.00} per month for banking beginning in XX/XX/2016. Chase Bank claims I no longer have two direct deposits per month, which I do on the XXXX and XXXX via XXXX. However Chase Bank changed the way they conducts business with XXXX. XXXX payments are now routed through Chase Quickpay, which Chase Bank does not consider a direct deposit. Chase Bank is charging me to use Chase Quickpay. I did nothing to change my account. The depositer did nothing to change their method of transfer. Chase Bank changed the way they work with XXXX. I should not have to foot the bill for this.
Product: Checking or savings account

I set up an account with TransferWise several months ago. It took them a very long time to verify my identity and get me a debit card -- much longer than they promised. But when the account was finally established, I linked it up with my Massachusetts unemployment payment via direct deposit. But the first two payments of {$2100.00} and {$1400.00} never arrived in my account. I contacted TransferWise approximately 25 times over several weeks to try to get to the bottom of this. But they kept asking for more information and more information. I obliged them every single time. But they did nothing. It has been several months now and they still haven't given me my money. 

Eventually, a TransferWise customer service representative sent me a message over XXXX XXXX saying the deposits were rejected because they can not " accept deposits from the United States federal government. '' I replied that the State of Massachusetts is not the federal government. They said they would look into this. 

Since then, my more recent direct deposits from Massachusetts unemployment have indeed been coming into my account. This shows there is no problem with TransferWise receiving money from Massachusetts unemployment. But the question remains what happened to my {$3500.00}? Massachusetts unemployment told me that they sent the money and that it was never returned to them. 

After several months of contacting Transferwise, they still say they are " investigating. '' But they have made no progress and they still have my money. I need this money to live.
Product: Debt collection

I was hospitalized for 2 days. After my release I started receiving bills. I could not keep up or interperet some of the billing and when I tried to make payment arraingments with the medical facility but they said I had 30 days to pay in full. I had not even received all the billings before they turned me over to a debt collection agency which has drastically negatively effected my credit scores. 
The dates originated in XX/XX/2018. I had been making regular on-time payments for 3 separate collections, one was for {$480.00}, one for {$1900.00} and one for {$150.00} those totaling {$2600.00}. 
I recently paid those off in full. The problem with this has been, instead of the collection agency paying off the lesser amounts first, theye applied all payments made toward ONLY the highest amount, leaving the two lesser amounts at 0 % paid for the last 2 years. I was unaware of this practice until I went to apply for refinancing. My credit score went from a equifax score of XXXX to XXXX. It has not improved much because it still showed 3 accounts in collections. the two lower amounts would have been paid within a few months if any money would have been applied to them, thus not damaging my credit as bad or as long.
Product: Student loan

Dear who may concern, I took a student loan from the city bank in XX/XX/XXXX/XX/XX/XXXX and paid the full amount to close the account in XX/XX/XXXX. However, the City Bank made a number or errors that prevented me from closing my account at that time. 

First, City Bank did n't provide important information to me. For instance, I submitted payment in XX/XX/XXXX to close the account. However, only in XXXX XXXX, Citi Bank contacted me and explained that this amount was not applied to the principal as instructed and to close the balance on XXXX loan, but applied by Citi Bank as a payment of future payment instead. In addition, I did not receive any emails/notification of my remaining balance form their company until XXXX XXXX. 

Second, I submitted payment of the remaining balance in XXXX XXXX to close the XXXX loan. Apparently, the payment did n't go through as anticipated, possible because XXXX Bank agent at the time mis-entered the account information. And there was no additional follow up from Citi Bank after this problem with the payment. 

In fact, when I found the payment was not deducted from my bank account balance, I called Citi Bank and asked for the reason. However, the agent could n't find my account information and asked me to send a fax so that they can search for my account. It is unclear why Citi Bank could not find my information : perhaps because Citi Bank agent assigned me a random number as my social security number. Regardless, after sending in that information, I received no additional response from City Bank. After numerous phone calls to Citi Bank in the past, I was left feeling very frustrated as no one was able to provide me with adequate resolution to my queries. 

Therefore, I requested the City Bank to re-appy/re-calculate my balance due with the attached letter that I sent to City Bank on XXXX XXXX, XXXX. If the payment had gone through in XXXX XXXX as I 'd sent it, I should have pay a total of {$5200.00}. Therefore, that 's the amount I asked them to re-adjust and my intention is to pay the full amount and close down the account. 

However, instead of resolving this issue, City Bank kept calling me to request for a payment of larger amount. Also, they disagree with re-calculating my balance, without providing understandable explanations. I tried to have a follow up phone conversations with City Bank on XXXX XXXX, XXXX, but the person who is in charge of was defensive, not properly communicating and intentionally disconnected the call.
Product: Debt collection

I'm contacting you regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was not previously aware of. Moreover, I have serious reservations about the validity of the claimed debt. In accordance with the Fair Debt Collection Practices Act, I am exercising my right to request debt validation. I formally ask that you provide the necessary validation and take appropriate steps to resolve this issue.
Product: Money transfer, virtual currency, or money service

1 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.
Product: Debt collection

I am writing to formally address the negative accounts that have been placed on my credit report by your bureau. These accounts, which are falsely reported as owed by me, are the result of identity theft. I have already reported to your bureau that I was a victim of identity theft, providing the necessary documentation to support my claims. Despite this, the accounts in question XXXX XXXX, XXXX XXXX still remain on my credit report, and your bureau has failed to conduct a proper investigation into the legitimacy of these entries. 

The continued reporting of these fraudulent accounts is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure that the information reported on consumers credit reports is accurate, complete, and up to date. Under the FCRA, it is the responsibility of the credit reporting agencies to investigate any disputed items, especially when the consumer has provided evidence that they are a victim of identity theft. To date, no such investigation has been conducted on these accounts, and they remain on my credit report, incorrectly reflecting my creditworthiness. 

The presence of these negative items on my credit report has had a significant and adverse impact on my credit score and overall creditworthiness. As a result, I have been denied credit and faced higher interest rates, which is further proof of how these fraudulent entries are damaging my financial standing. The failure to remove these items after being informed of the identity theft and the lack of an investigation constitutes a direct violation of my rights under the FCRA. I request that these accounts be immediately removed from my credit report, as they are not a true reflection of my financial history or obligations.
Product: Debt collection

I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply. I have no recollection of ever owning this account!
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered unauthorized accounts. I request that these be removed as they are damaging my ability to obtain credit. 
XXXX XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00} XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - $ XXXX XXXX XXXX XXXX XXXX6XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - {$1100.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$460.00} XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$720.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$680.00} XXXX XXXXXXXX - XX/XX/XXXX - {$400.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Notice of Civil Liability for Negligent Noncompliance 15 U.S.C. 1681o I am writing to formally dispute [ describe the issuee.g., an inaccurate item on your credit report, failure to respond to a dispute, improper disclosure, etc. ]. Your failure to comply with the Fair Credit Reporting Act ( FCRA ) has caused harm, and I am asserting my rights under 15 U.S.C. 1681o regarding civil liability for negligent noncompliance.

According to 15 U.S.C. 1681o, any person or entity that negligently fails to comply with FCRA requirements is liable for : 1. Actual damages sustained as a result of the violation ; and 2. Attorneys fees and court costs, if legal action is required. 

You have failed to comply with FCRA in the following ways : e.g., failure to correct an error, improper reporting, failure to investigate a dispute, etc. ] As a result of your negligent noncompliance, I have suffered damages, including [ list damages, such as financial losses, denied credit, emotional distress, etc. ]. 

To resolve this matter, I demand that you, correct an error, delete inaccurate information, provide an explanation, etc. ] within [ reasonable time frame, e.g., 15 days ]. Failure to comply will leave me no choice but to pursue legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action to recover damages under 15 U.S.C. 1681o.

Please confirm in writing that you have taken the necessary corrective actions. I expect a response by [ specific date ]. If you need further clarification, you may contact me at the information provided above. 

Sincerely, XXXX XXXX This letter asserts your rights and puts the recipient on notice of their potential liability. Be sure to send it via certified mail with a return receipt for proof. Let me know if you need modifications!
Product: Consumer Loan

I started having my wages garnished by a law firm for a 5 year old auto loan. The court order for wage garnishments was obtained by the law firm in a county I have NEVER lived in. 

I was never served any notice. I was never given a chance to represent myself in court. Now my paycheck is being garnished ... I have new bills to pay ... I 'm trying to just survive .... When I heavily rely on others now to just even live ... I 'm just trying to move on from what happened years ago and this company just started stealing my paycheck. I feel like I 'm never going to recover ... 

I never had a chance to appear in court ... I was blindsided since I was n't served any notice. And I feel like I 'm going to just keep drowning in debt because what happened five years ago continues to ruin my life. They refuse to provide me any of the payment history or account notes. I have no proof of where they are getting the figure for me on ... How can they obtain a judgement for me when I do n't even know how it 's so high? Is it even legal to collect on debts this old? Or am I going to keep being harassed and punished for losing my job after my ex wife took my kids because she had an affair many years ago .... This company already repossessed the car 5 years ago ... Why are they coming back for more money again ... Was n't that enough?
Product: Debt collection

Company keeps calling and leaving silent voicemails. They are mean and rude and won't stop when told to.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found several inaccuracies and unauthorized accounts/information reporting to my credit report. These erroneous remarks have adversely impacted my credit health and overall well-being.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw accounts reporting that I do not recognize.