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

Been using cash app for years but after allowing my mobile wallet to stack up over a week and to be {$960.00} and then transferred, it froze. The app was still allowing me to receive payments from friends and family but when I went to go make a transfer to a friend on Friday it got denied. I proceeded to try all avenues of transferring to my bank account, other friends, having them getting refunded, I even used the Mobile card on other sites for a transaction and tried to purchase stocks - - all denied. Customers support was no help as they only offered me troubleshooting advice such as good Wi-Fi. After speaking with a representative on the phone they told me a specialist would reach out to my email. After no resolution and dead ends through all points of contact they ended the chat because they had no other support to give. They even suggested it was something on my bank end and after I called my bank they said there were no red flags or any alerts on my bank account. No feature within the app works for me but of course they're still accepting payments from any family member or friend.
Product: Checking or savings account

I also received a XXXX PPP loan from the government to aid in my XXXX XXXX. Before that, I had paid XXXX to put as a down payment for my son 's mortgage and then Sun Trust Bank cancelled and closed my account and froze my account statements. 

The bank closed my account and froze my assets and will not tell me why and basically all my payments are behind because of it.
Product: Credit reporting or other personal consumer reports

My federal loans were discharged but added and removed from my credit twice under two different names causing my score to significantly drop twice. The same loan was listed as XXXX and XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$330.00}
Product: Credit card

Due to the covid 19 pandemic I became unemployed and was unable to make payments in a timely manner. The late payments have affected my credit worthiness.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


WFDS/WDS Account Number : XXXX Account Type : Installment Account Status : Closed Monthly Payment : {$610.00} Date Opened : XX/XX/2014 Balance : {$21000.00} Terms : High Balance : {$20000.00} Limit : Past Due : {$21000.00} Payment Status : Bad debt & placed for collection & skip Comments : CHARGED OFF ACCOUNT
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 
Below are the accounts I am requesting to be reinvestigated : *Account Name : XXXX XXXX XXXXXXXX XXXXAccount Number : XXXX
Product: Credit card

On XX/XX/XXXX, someone in XXXX ( where I haven't been this year ) charged {$460.00} on my LLBean card. When I got the bill, I immediately alerted them to the fraud and they removed the charges and sent a new card. Next I got a bill for {$14.00}, which I told them on XX/XX/XXXX were also part of the fraud, as these were " foreign transaction fees. '' After I got another bill for that amount, I called the fraud department directly on XX/XX/XXXX and spoke with someone who told me the fraud on my account was still under investigation. On XX/XX/XXXX, I got a bill for {$530.00} for the fraudulent amounts, plus late fees and interest. I mailed a letter detailing these events and saying that if this isn't resolved, I would contact the CFPB or any other agency necessary. The following day, I received a letter telling me that they decided this was not fraud since the card was used at a chip enabled system. I don't know how that's possible, as I had the card with me and was not in XXXX. I have never used the new card they sent me. I have put a fraud alert on XXXX, etc., and I have registered with IdentityTheft.gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, the XXXX XXXX XXXX updated their online account software, which stopped my automatic loan payments without my knowledge. I receive electronic statements, and there was no electronic statement delivered to me until I began to question in XXXX. I am a XXXX XXXX and currently serving aboard a ship, which limits my access to the internet. I could not access my accounts until I discovered the problem in XXXX back in port. I subsequently paid the amounts on time on XX/XX/XXXX for XXXX and XXXX when I got a hold of the company. The XXXX XXXX agreed to backdate my XXXX payment and did not charge late fees. I was informed this was a widespread issue affecting their customers and to file a dispute with the credit bureaus if marked late. However, they are currently reporting me late for XXXX. I disputed this information with XXXX, XXXX, and XXXX. With XXXX, I filed 2 separate disputes regarding this payment history, and it was subsequently corrected. The late payment was also removed on XXXX and XXXX. However, as of today it is reported late again on both XXXX and XXXX. I have received inconsistent responses from their service team, and it has always been a waiting game for them to act.
Product: Credit card or prepaid card

I applied for a chase XXXX rewards premier plus card via XXXX ( where the offer was initially made ) XXXX XXXX XXXX  and than I was redirected to chase on the XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). Application was processed and approved as per online application. I was than stated that I was going to received the card in about 7 business days. I now today XX/XX/XXXX access my account and noticed an annual fee was applied for {$95.00} when the offer I applied for was for a {$0.00} intro annual fee for the first year, then {$95.00} after the first year has passed and a {$200.00} credit after first purchase within 3 months from account opening. I contacted chase today to verify what is going on and the first agent mentioned the offer is not valid online via chase at it seemed the site may have not  updated it on their end and therefore being an old offer and the other answer was that they don't know what happened and that I was redirected to another site that wasn't offering the promotion. As a XXXX myself and working as well in XXXX  this is an unacceptable answer. I spoke to the supervisor XXXX and I mentioned to her my credit was ran therefore affecting me as an individual because it was ran for a useless purpose. She stated there is nothing she can do and can not give the {$200.00} credit offer nor reverse the {$95.00} fee. It is upsetting that such a huge company could care less for their consumers and needless to say have consideration and accept the responsibility of their incompetent system if that is the case. I take this personal as I am a person with a good withstanding credit and I would have not applied if it wasn't because of the offer was there. To me this is false advertisement and misleading as once again I applied mainly to take advantage of the offer being made otherwise I would have not applied. As a consumer is only shows me that I can't trust companies and it's insulting as a consumers because they are very dismissive without a care to the individual.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Inquiry : XX/XX/2023. 

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Last year we refinanced our mortgage with New American Funding to pay off some debit and potentially drop our mortgage insurance. The beginning of the process was promising but that quickly changed. The loan officer we dealt with was XXXX XXXX, there were many problems with the loan, XXXX being they said they were not going to go forward with our loan after they charged the appraisal fee because our current mortgage company reported we were 30 days late. After speaking with XXXX and XXXX and I believe XXXX other person explaining we had never been 30 days late I had to take matters into my own hands. I printed my own credit report which shows perfect payment history but that was n't enough luckily a wonderful person at the current company confirmed I was correct. XXXX and his team made no effort to fix this simply wanted to call it a day and cancel loan. The loan moved forward, we wanted a fixed loan of course because its common knowledge that ARMS are not always a good idea but XXXX promised that because we were doing business with New American Funding which does everything in house, we would easily be able to refinance again in 6 months at no cost and streamlined into a 30 year fixed and he would personally call us in 6 months to make sure this is taken care of. We trusted him after much going back and forth with him and moved forward. Of course 6 months later we heard nothing, I contacted XXXX who referred me to another officer in XXXX beach because he had been promoted to sales manager or something to that nature. The man in XXXX informed me that what I described is not something they do I would have to do a new refinance which would include all the normal fees and it would n't benefit me so to just give it a year or so. In addition to these problems we also did n't receive the same amount of cash promised at closing and when I began asking questions I was told " it will all shake out in the end '' I will get additional funds in the mail from escrow, XXXX of course nothing ever came. This was our first time refinancing and am sorry this was such a horrible experience and feel as though we were taken advantage and probably was told anything to keep us going so he could meet a quota, after all he did get promoted very shortly after our loan closed. We are now forced to refinance again to make sure we can keep our rate low and locked due to our income and pay thousands more that we truly do not have. I hope others can learn from our situation and New American Funding can enforce integrity as well as better customer service with their loan officers.
Product: Credit reporting, credit repair services, or other personal consumer reports

INFINITI FIN / XXXX  days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XXXX days late in XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Consumer Loan

On XXXX XXXX, 2015 I made a call to my lien holder, the goal was to obtain the information to the person that has the authority to make settlements as well as close my file out completely. I was told there is no one I could speak to that could help me. Attached is a letter with further detail
Product: Credit reporting or other personal consumer reports

I don't recognise the following inquiries or account ( s ) : XXXX XXXX- never opened by me. Inquiries : XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and have been disputing these account and inquiries for quite some time with the credit bureaus.
Product: Vehicle loan or lease

I have a gap waiver addendum to my lease contract from Kia stating that in the event of a total loss ( which occurred on XX/XX/18 ), once full proceeds from the insurance company, based on a fair and reasonable determination of the vehicles actual cash value ( ACV ) less any subtractions from that ACV by the insurer ( my deductible ) have been received, I will have no further financial liability. My insurer confirmed that Kia/Hyundai would work with the actual cash value ( ACV ) as provided by my insurer. The insurer issued Kia a check for the ACV less my {$500.00} deductible. This check was cashed, thereby ratifying the contractual agreement. Kia insists that I owe them XXXX. They refuse to provide either myself or my insurer any documentation of why they feel entitled to bill me for an amount over and above the ACV of the vehicle. My contract does not list any exclusions to the gap insurance other than past due lease payments. I had none. My insurer and dealership staff have all said that they have never heard of anything like this before ; that gap insurance covers everything. Additionally, I financed a replacement lease, through Kia Finance, with my dealership stating that the totaled vehicle had been paid in full. I only found out that Kia was billing me for the totaled vehicle when I erroneously tagged the lease payment for my new vehicle to the old account. I had to request a billing statement to find out what I was being charged for. I have tried multiple times to resolve this with Kia/Hyundai Finance, with the assistance of my insurer and my dealership. Kia Finance has been unwilling or unable to provide any documentation of language in my contract which allows them to bill for amounts over and above the ACV. They have been uncooperative, rude and unprofessional throughout this entire time. At this point, my credit is being negatively affected. I believe I am being harassed and upon the advice of my insurer and lawyer, I have already submitted a claim to the XXXX  and will submit claims to both state and federal CFPBs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation of 15 U.S.C 1681g. Equifax fails to expressly verifythe Account Type as an Individual account that could confirm this is my account that was executed in solely my name as an individual to appear on my Individual Personal Credit Report as an Open Account.My credit utilization rate is being impacted by a Business Account that should not appear in my Personal Individual Credit Report being reported as an Open Account by me Individually. Not even citing Joint with a Business nor any Business Account acknowledgment. 

Equifax responded around XX/XX/2023 that thetrade '' XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : BALANCE, PAST DUE, ACTUAL PAYMENT, DATE OF LAST PAYMENT, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY. '' The information modified and updated is incorrect, inaccurate, and false being reported on my Individual Personal Consumer Credit Report.XXXX XXXX XXXX is incorrectly and inaccurately reporting a Business auto loan for the purchase of a XXXX XXXX XXXX XXXX in my personal and individual name on my Consumer credit report. The auto loan contract originated in the name of a Business and not an individual. I am not the Individual solely responsible for the account as being reported on my personal consumer credit report. THIS IS NOT AN INDIVIDUAL ACCOUNT AS BEING REPORTED. 

Evidence of the purchase and sale contract ( retail installments ) will validate that this account is a Business account for the auto loan and not an individual Consumer loan. Therefore this Business account should be removed from my personal Consumer credit report because the auto loan account is in the name of a Business account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed registration for the XXXX XXXXXXXX XXXX XXXX in the name of a Business and NOT AN INDIVIDUAL ACCOUNT. The Account is registered to a BUSINESS AND NOT ME INDIVIDUALLY. The registration of the vehicle is in the name of a Business and not in the name of an individual consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting

I have escalated this issue to Equifax multiple times Since XXXX, XXXX and all I get is a repetitive auto response. I have sent certified mail to XXXX XXXX XXXX account XXXX requesting validation and received NONE : XXXX/XXXX/XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX Following the FCRA, this account needs to be removed for failure to validate the allege debt. I 'm attaching copies of the original letters requesting validation as well as Equifax automatic responce. 

I have reached out to Equifax multiple times, and all I get is a repetitive auto response from them : XXXX/XXXX/XXXX - USPS XXXX XXXX - USPS XXXX XXXX/XXXX/XXXX - USPS XXXX I requested validation from XXXX XXXX XXXX and received none. I then disputed this with Equifax multiple times, and still have not received full validation. It is way past the 30 days from my original request of validation, and all I get back from Equifax is that they have performed their research and verified 'the balance is reported correctly ' Yet, they still do not show proof of their research showing what validation they have on this account. 

This is violating the FCRA. If validation is requested, then valid proof of this allege debt should have been handed to me, and it was n't and it is now past 30 days. 

There are XXXX apts on this complex and when I returned the apartment, there were no damages reported ; The property management at that time did a walk through with me and we both signed a piece of paper that there were no damages to the aprt. That piece of paper is valid proof that there is no damages to the apt and I have requested that piece of paper as validation for this allege debt, I have also requested pictures or any evidence that came out of this apt and again I did not received any such evidence. The apt complex changed management since then and I have had difficult time researching this allegation. I have requested for validation/proof that there is such allegations and received none, I have escalated this with Equifax and am stuck with their repetitive responses. This allege debt has caused harm to me and my credit and is building punitive damages and all I get from Equifax is a repetitive response. 

Again, I requested for validation and received none, and this is still being reported on my credit file. This is a validation of the FCRA on which I have escalated this three times with Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion on Tuesday,  XXXX   XXXX ,    2017  to have a temporary lift of my credit freeze so that an employer could check my credit. Transunion said that I would receive a pin i n 3-5 bu siness days because I never initially received a pin because the freeze was initiated through  XXXX . I have a pin for  XXXX  and  XXXX , but not Transunion. I called back on Wednesday,  XXXX   XXXX ,    2017  and asked to speak to a supervisor, then they said that it take s 5-7 bus iness days. Today is Thursday,  XXXX   XXXX ,  2017  and there is still no mail from Transunion. I really need to receive the pin to lift the freeze before I miss a job opportunity for lack of receipt of my pin.
Product: Credit card or prepaid card

I've verified my Identification and have called multiple phone numbers to get help with my claim. I have visited the website as well. I have been having this problem since XXXX. I've verified my Identification with the company to get my claim and I still am not receiving my claim.
Product: Checking or savings account

XX/XX/XXXX, XX/XX/XXXX, I dealt with fraud scammers whole stole {$1200.00} from my bank account. I filed a dispute with Chime. In which they investigated, then today they denied my dispute.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and I'm completely puzzled. I routinely check my credit report, but this time I found unexpected discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the inquiries remained. I'm requesting a thorough review of the documents I've submitted so that I can finally put this matter to rest.