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

I had been quoting with local companies for a sign to go on top of my new art studio. I found one company that seemed reasonable on XXXX. I reached out to them and was quoted a certain amount. I confirmed with the company that the price included the proper permitting required by XXXX County, Fl. I then went into the bank and requested a {$1000.00} cashiers check to XXXX XXXX XXXX, XXXX XXXX which would have been half of the total cost. I have an account with XXXX XXXX XXXX. I walked into the bank on or around XX/XX/XXXX and requested a cashiers check, the funds were withdrawn with a teller and the check was drawn from my connected business checking account. I requested this because I wanted the payment to the company to come from XXXX XXXX XXXX which is my business account, but that is neither here nor there. I then drove over to my studio and met with the associate from XXXX XXXX XXXX, XXXX. His name was XXXX XXXX. Upon further speaking with him, he was trying to convince me that I did not need a permit and I declined to do business with him. I placed the check and the quote along with some other documents in my vehicle and thought nothing else about it until it became missing. I contacted my bank to report the check missing and then upon XXXX XXXX XXXX 's investigation, the same man deposited the check in his account at Regions bank. I immediately filed a claim with XXXX XXXX XXXX to retrieve my funds. The claim number is XXXX. Upon further investigation by me, I contacted the actual owner of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that they are aware of who this man is, that he does not even work for XXXX XXXX XXXX, XXXX, he is a thief and many customers have been calling and there are active suits regarding this man impersonating this company and I was not the first person that he stole from. He also that his attorneys are aware and also fighting to stop this mans activities. I have been being told by XXXX XXXX XXXX that they have sent several request to Regions bank to retrieve the funds and have been awaiting with no response. I am filing this case with hopes that you can look into this situation and find a resolve. 

Kindest regards
Product: Credit reporting, credit repair services, or other personal consumer reports

The Three Major Credit Reporting Agencies have for many years published inaccurate information on my credit report. There are 7 seven separate Department Of Education/ XXXX XXXX loans that are reporting errors filled information. I have never been late on my student loans, and in spite of a perfect payment history- XXXX XXXX Transunion all report a " 90 day late '' which they are saying has been " validated '' with the lender. This is an impossibility, because how can I have a " paid as agrees '' in XXXX of XXXX followed by a " 90 day late '' and after that " paid as agrees ''? This makes no logical sense. I need the bureaus to update this derogatory mark " paid as agrees '' or " No Data ''. I can not have my financial wellbeing be impacted due to their errors. 

Also, I have a recent derogatory mark from " XXXX XXXX ''. I have my last bill before I terminated service and what the bureaus have published is absolutely false! I even went as far as sending in via USPS ( certified ) a copy of the bill in question. Unfortunately and unlawfully, they have indicated that the negative mark has some how been validated. I need this removed ASAP. 

XXXX and Transunion are inaccurately reporting a " XXXX '' account from XXXX, they are claiming that the account has been charged off. I do not have a recollection of association with this account. 

Transunion is reporting that I have two requests for credit from a company called " XXXX XXXX ''. I do not recall doing business with the company and want to have it validated
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/2021 I submitted letters to the credit Bureau on some things that was present on my credit file that was incorrect. Those accounts are paid in full. I asked they be removed from my credit file. They have a XXXX balance. I'm getting denial based on their inaccurate reporting.
Product: Money transfer, virtual currency, or money service

I was playing a game called XXXX XXXX on line and I won XXXX XXXX dollars but you could only cash out XXXX XXXX at a time and I havent received any of the money yet can you please check on that. The first XXXX XXXX I put in the wrong email address. The wrong email was XXXX XXXX
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 : address fraud on their platform, leaving m, account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements 52 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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all XXXX  Credit Bureaus Transunion, XXXX, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$720.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$2000.00} XXXX XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1900.00} XXXX Date XXXX XX/XX/XXXX Balance {$1600.00} XXXX Date Opened XX/XX/XXXX Balance {$39000.00} XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX  ( XXXX XXXX XX/XX/XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX
Product: Student loan

Navient continues to try to collect a full payment ( monthly ) by requiring me to reset the online payment amount shown on their website ( on a monthly basis ) in order to pay the agreed upon income repayment plan amount. I can not enroll in the automatic online repayment or the full {$1200.00} will be taken from my bank. So every month I pay manually ( online ) by going in to 'reset ' to the lower amount prior to submitting my payment. I asked Navient about this and they said I ca n't remove the higher amount. So I tried paying the higher amount down- but it ca n't be done. It just renews to the {$1200.00} every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I hace called XXXX on XX/XX/year> at XXXX and spoke to XXXX XXXX who set up a payment arrangement for the balance of {$580.00} to be paid on 3 payments of {$190.00} starting on XX/XX/year>. She provided confirmation # XXXX for first payment and refused to send any receipt or agreement notification via letter or email as requested, representative transferred me to my account manager XXXX. XXXX who threatened to cancel agreement for asking to get any notice or document stating we have made an agreement to settle the debt, XXXX XXXX declined any further assistance and terminated the call.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX tied up XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX tied up XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX tied up
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX Company Name : Mercedes-Benz Financial Services XXXX XXXX Credit Dispute XXXX XXXX XXXX XXXX, Texas XXXX This company has engaged in retaliation and fraudulently reported a late payment on my credit report which has impacted my ability to get a home loan as well as resulted in a {$4500.00} increase in my auto and home insurance policy. 

The vehicle in question was totaled in XX/XX/2022 and the insurance company paid off the vehicle in XX/XX/2022. I submitted an extra payment in XXXX to ensure that there was no gap between the due date of the next payment and the payoff by the insurance company. Despite my efforts, this company engaged in retaliation and reported a late payment in XX/XX/2022 which has ruined my credit. 

I have contacted all three credit bureau agencies to dispute this information and I also reached out to Mercedes-Benz which has shown no effort to try to resolve this issue. They even indicated that there was no way to email or communicate other than mailing a letter to dispute this issue. They sent a letter to me that clearly indicates the vehicle was paid off in XXXX but yet they're not willing to verify this internally or admit that they fraudulently reported this late payment. 

My concern is that if they fraudulently reported a late payment what will stop them from further engaging in fraud by responding to the credit agencies by claiming that the late payment was valid. In the meanwhile, I've been denied a home loan and I'm faced with paying an extra {$4500.00} in insurance costs until this fraud is resolved. 

In addition to requesting your help to resolve this issue, I need to know if there's any remedy for the financial impact of this retaliation. I got a letter from my auto and homeowners insurance indicated that my rates were substantially increased as a result of my XXXX XXXX that was impacted as a result of Mercedes-Benz fraudulently reporting a late payment. My score dropped from XXXX to XXXX specifically because of this fraudulent report. 

I am confident that this is fraudulent because I contacted the company over XXXX times between XXXX and XXXX asking them to refund my overpayment. They finally issued a refund of my overpayment a week ago which is further indication that there was never a late payment.
Product: Money transfer, virtual currency, or money service

I am a bank signor on my parents checking and savings accounts with Wells Fargo. 

On XXXX my dad was the victim of a remote scam. The fraudsters were able to obtain online banking information. Through a scam, the fraudsters wired out {$2200.00} to themselves. I became aware of this late on XXXX. I immediately called Wells Fargo Customer service to report the fraud. This was at approximately XXXX on XX/XX/21. I do have the name of the customer service representative that I spoke with. The representative and I reviewed the accounts. We were able to see the wire out and two other unauthorized bank transfers from the savings account to the checking account. One for {$2500.00} and one for {$25000.00}. We did not see, any other activity that was unauthorized at this time. The customer service representative supposedly took actions to protect the account at this time. She assured me that she deactivated the online banking capabilities. She also assured me that she deactivated wiring capabilities. She in fact told me that the only way the wire capabilities could be turned back on was if the wire fraud department turned it back on. She then went to file a claim for the fraud. She attempted several times but each time she indicated that the system wasn't letting her. She continued to try but was unsuccessful and told me that I would need to call in or go to the branch in the morning to file a claim. The morning of XXXX, I went to the branch with my parents to file a claim and close out the accounts, and open new accounts. However, much to our surprise, there was a {$15000.00} wire pending for the benefit of the fraudsters. The bank had no answers for how that was possible. We filed a claim and after XXXX XXXX days, the bank denied the claim with no acknowledgement of my contact to customer service on XXXX. I suspect that the customer service representative didn't do her job correctly and the inability to file a claim the night of XXXX allowed the fraudsters to initiate the 2nd wire. My thought is that the {$15000.00} might have already been scheduled when I called in the night of XXXX but wasn't detected. Or the fraudsters scheduled after the accounts were supposedly shut down. In any event, I feel that Wells Fargo is responsible for the {$15000.00} wire that was sent out after they were notified of the fraud. I am now trying to appeal the denial, and have just spent the past 1 1/2 hours being transferred from one department to another. I finally got to the right spot and gave a verbal account of the above information. However, when I asked the representative I was talking to repeat the information I gave her, she did not have all the information I gave her, nor did she have some of the information as I had stated. I really don't have any confidence in this appeal that they took from me.
Product: Bank account or service

Chase Consumer Banking ( Chase ) XXXX XXXX XXXX XXXX XXXX, CO XXXX where we have had a business checking account for the past 20 years and regularly make monthly deposits has refused to honor and pay for a deposit made XXXX XXXX, 2015. We have a list of checks from clients deposited on that date along with a deposit Transaction Summary issued by Chase showing the Account Number and that a checking deposit was made in the amount of {$2300.00}. This problem was discovered some time later when a bank statement was received in XXXX 2015. We contacted Chase, informed them of the problem and presented the above information to them. They, we assume, did some analysis and later informed us that they do not know what happen to the checks in the deposit on that day and that they would need to move the issue to more senior management. In XXXX of this year we received a letter from the Chase Executive Office, XXXX TX apologizing for the problem, informing us that we had withdrawn the checks after they were deposited and, therefore, there was no deposit made that day. This is completely fiction and false, we were never informed by the local Chase that this happen because it never did. As mentioned above we have made client check deposits each month for the past XXXX years and have never withdrawn a deposit at the time of deposit or anytime thereafter. We continue to call the local Chase and try to get some resolution. They continue to inform us that senior management will be calling us to hopefully resolve the issue. To date the only contact we have had is the above mentioned letter and obviously no deposit money. The issue is now a year old and we need the money to try and continue our business. Thank you for your assistance
Product: Credit card

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Bank of America for Failure to Process Dispute Dear Sir/Madam, I am writing to file a formal complaint against Bank of America regarding their failure to adequately address a dispute I submitted. 

On XXXX XXXX, I filed a dispute with Bank of America concerning a transaction that I believe to be unauthorized or incorrect. Despite following all the necessary procedures and providing the required documentation, I have not received a satisfactory response from the bank. 

Specifically, the issues I am experiencing are as follows : 1. Lack of Response : Bank of America has not responded to my dispute within the timeframe required by law.

2. Failure to Investigate : There appears to have been no thorough investigation into my claim, as I have not been informed of any findings or conclusions.

3. Failure to Credit My Account : The disputed amount has not been provisionally credited to my account while the investigation is supposedly ongoing. 

The transaction in question involves [ briefly describe the transaction, including date and amount ]. I have attached copies of all correspondence with the bank, as well as any supporting documents that substantiate my claim. 

I am extremely concerned about this lack of action from Bank of America, as it has caused undue stress and financial inconvenience. I am requesting the CFPBs assistance in resolving this matter and ensuring that Bank of America complies with all relevant regulations regarding consumer disputes. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX charged my card for a frivolous charge that I already had disputed with XXXX and they assured me that they were not going to charge my card, well they did, after several attempts to resolve this with XXXX, I turned to my credit card company. XXXX c harged a card that was not currently activ
e on XX/XX/XXXX the card that was charged was inactive. 

2nd I sent Elan emails showing that XXXX said that they were not going to charge me. 

3rd - the following is communication between myself and ELAN... I submitted same documents several times on the following dates, with the company denying that they received them until XX/XX/XXXX - XX/XX/XXXX - spoke with agent said they sent mail, I received nothing -XXXX  XXXX, XXXX spoke with XXXX XXXX # XXXX XXXX -XXXX  XXXX, XXXX after agent hung up on me, spoke a Mgr, that hung on me as well -XXXX  XXXX, XXXX also faxed docs again -XXXX  XXXX, XXXX Employee decline employee number, and said someone would call me back XX/XX/XXXX, faxed documents again XX/XX/XXXX very rude employee XXXX hung on me, declined employee # XX/XX/XXXX spoke with Manager XXXX and said she would call me back, never did XX/XX/XXXX spoke with XXXX someone will call me back, no one did XX/XX/XXXX spoke XXXX employee # XXXX, she said that had not received documents and someone will reopen case and hung on me XX/XX/XXXX - I called back spoke with XXXX call conf # XXXX XXXX she refused employee number, she said she will call me back on Monday which is today after business hours and no call back