23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a {$6300.00} balance with my XXXX XXXX Visa on XX/XX/XXXX. Payment and correct status are shown on all statements since, and XXXX XXXX XXXX XXXX will verify the correct balance if telephoned or accessed via bank website. However, XXXX XXXX XXXX XXXX continues to report to Trans Union the {$6300.00} balance as current. I have filed five ( 5 ) disputes with Trans Union on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX to correct this error. Each time I received an email reply stating, The disputed item has been verified, Balance is {$6300.00}. The Bank contended on XX/XX/XXXX, that they will continue to report the balance to Trans Union as unpaid as long as I continue to dispute the error. All other credit bureaus are reporting correctly. Ive never heard of such a thing as this ; the intransigence of both parties defies logic.
Product: Money transfer, virtual currency, or money service

( Block inc ) inadequate, customer service, and unfair practices which violates the consumer financial protection act ( CFPA ) specifically cash app failed to take time and effective measures to prevent an 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: Credit reporting or other personal consumer reports

Per XXXX credit report payments were made on the Sallie Mae loans in XX/XX/XXXX. 
I need then to provide validity that these payments were made. Provide documentation to support payments were made on these loans. 

Sallie Mae reported the accounts delinquent for XX/XX/XXXX days since no payments were made after XX/XX/XXXX. 

This is a depictive practice, Then they report it as delinquent or charge off. 

They dd not provide verification of a cancelled check, electronic transfer of who made the payment.
Product: Checking or savings account

Opened Saving Account at Ally Bank ( online ) set up a transfer from XXXX XXXX  ( aka XXXX ) of {$100000.00} on XX/XX/XXXX. I gave Ally my Routing and Account Numbers, the next day the Funds disappeared from XXXX. That same day XX/XX/XXXX I got am Email from whet appeared to be Ally banking instructed be to contact them which I did. I was concerned using a number from an unsolicited email but a representative from their Fraud prevention depart questioned me in a rather aggressive way if that was my money and demanded I fill out forms with personal information to attest to it. I reaction to this by saying cancel everything which in hide sight was a mistake. She canceled/closed my account on XX/XX/XXXX, the funds that they removed from my XXXX Account were never deposited in the ALLY account. I was told by this representative that they would be returned to my XXXX account XXXX as of today they have not. Called XX/XX/XXXX and was told by the same Dept the funds were statused as rejected on XX/XX/XXXX and the funds should be in my bank account, again which they were not. I contacted my Financial advisor at XXXX and we called ALLY together on XXXX hours on hold multiple cold transfers and we end up back at the same Fraud department with the original rep who closed the account. She claims the transfer never went through but they were removed from my XXXX Account. I was told by ALLY to file a claim with XXXX which I did. I was told by my Advisor that was rejected because XXXX as never received the funds. I called ALLY again on XXXX, multiple cold transfer repeating the same Information to them and ended back up at the same department to the same person that cold transferred me to from the beginningt. One lady in the middle of transfers told me my case had been closed and I was in a Fraud Profile. Which essentially means to me they must be holding my money. This Lady named XXXX said she reopened my case, she reportedly conversed with the XXXX team and reported back to me to file a claim with XXXX ( which again was done on XX/XX/XXXX ) I was eventually transfer back to my original representative in the Fraud Depart " XXXX '' Maybe. this time he was argumentative since I recognized his voice and remarked on being cold transferred so many times. I asked for him to remove the Fraud profile on my file that XXXX instructed that I do but he rudely refused. I asked to be transferred to a supervisor and he said some undiscernable words I got a voice mail of a " XXXX '' ( phone sound quality was very poor ) long story short here ALLY pulled money from my bank account and it is now now where to be found I can supply a case reference number
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I sent a wire to GDAX for {$5000.00} USD to be deposited into my GDAX wallet. They were not able to apply this wire to my account due to a name mismatch. Coinbase then emailed me saying to allow up to 7 business days for the funds to be returned and that if it took any longer than that to contact their wire support team through email. After seven business days I sent an email and received no response. Now its been ten business days since I originally tried to send the wire and I still have not received the funds.
Product: Checking or savings account

On XX/XX/year>, I contacted Chime Bank to dispute a charge on my account for XXXX from XXXX. The representative I spoke with told me that he could not dispute the charge without inactivating my current debit card and sending me another card. I explained to the rep that I could not inactivate the debit card at this time because I have other accounts tied to the debit card and if they inactive the debit card I would incur fees that they are not willing to pay for. The rep refused to listen to what I had to say. I explained to the rep that I called on XX/XX/year>XXXX  to dispute other unauthorized charges on my account and the rep, XXXX file the dispute and got the charges reversed back on my account. 
At this time I asked to speak with a supervisor, the supervisor XXXX took over the call. I explained to XXXX that there was unauthorized charge on my account for {$12.00} from XXXX that should have been charged to my debit card. XXXX told me she was not gon na file the dispute unless I agree to inactivate my debit card. I explained to XXXX on XX/XX/year> I called and filed a dispute with the rep, XXXX and how she processed my dispute and I did not have to have my debit card inactivated. The supervisor refused to listen to what I had to say. As a supervisor you are there for conflict resolutions XXXX didnt try to resolve my issue she made the whole situation worse. XXXX refused to file the dispute. XXXX expressed no concern nor tried to emphasize with my concerns that I had other accounts tied to my debit card, and if I inactivate the debit card I would incur fees that Chime is not gon na reimburse me for. As a consumer it should be my choice to decide whether I want a new debit card not Chime bank. They are using my funds to make money off of not the other way around. Chime needs to consider changing a lot of their rules because they are very beneficial for the consumer. Chime is trying to dictate how consumers should manage their accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is converting police reports to a XXXX  numeric code which sent to the debt collectors who are not getting the police reports and instead are getting numeric codes and marking identity theft and accounts closed due to fraud as verified. This is a crime. I requested for Trans Union to NOT use the XXXX system and send the physical documentation to the debt collectors which they are required under federal laws under the provisions under 609 from the FCRA. They have failed to do so. 

Detective XXXX XXXX XXXX XXXX XXXX Police have completed all necessary investigations into the matter and has marked the police reports as final. And that no further police reports are needed from their department. 

Police Reports XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX XXXX-REPORT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021. I sent a letters regarding inaccurate and unknown things on my credit report. to this day over 45 days later I have not received a response yet. This neglect has tarnished my reputation I take this neglect as harassment I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30days fives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$22.00} XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per the FCRA as a Federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written or non written verbal or non verbal I am now resending that authorization via 15 U.S code 6802 effective immediately and indefinitely. The law states that I have the right to opt out of anything being reported on my credit report. XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX XXXX  I would like to opt out of all these being reported on my credit report. I expect prompt compliance with this request and confirmation of the opt out within 30days. failure to comply with this request may result in further action being taken to protect my rights under the law.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit report act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unreliable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate correction actions to remove or amend the dispute account as Experian inaction violates federal law and my rights as a consumer
Product: Vehicle loan or lease

Hi there, We leased a XXXX XXXXs from the XXXX XXXX in XX/XX/XXXX, which was financed by US Bank. The Lease ended XX/XX/XXXX, in which we returned the vehicle. We have never had a late payment. Returning the vehicle was a nightmare in it's own right, with the US Bank Lease department calling multiple times with threats stating that we never returned the car, eventually confirming that it was returned. We called multiple times in XX/XX/XXXX asking for confirmation that the account was closed and everything was in good standing. 

Fast forward 1 year. It's now been a year and US Bank is calling stating we owe {$600.00} for end of lease fees, and that they have been sending us notifications for the last year, which they haven't. When attempting to access our US Bank account, the account online has been closed and we have no access to the account or any of the statements in question. They are also unwilling to provide us with any of the 'statements ' they state they have been sending us monthly for the last year. Additionally, upon review of both my XXXX account and XXXX, the US Bank account is listed as closed as of XX/XX/XXXX, with a XXXX balance and all payments made in full. However, US Bank is still calling stating that we owe this money threatening to send us to collection.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( TransUnion ) credit report, and I noticed that you are still reporting a medical collection under the {$500.00} threshold. Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

On XX/XX/ I was charged a transaction I put all the money in the account I was negative on Monday XXXX XXXX and I got charged a {$35.00} fee for XXXX XXXX I was negative for XXXX and this bank has the nerves to charge {$35.00} for being negative for XXXX this is why this bank is always getting sued I spoke to somebody yesterday and I explained to them that I hope I wasn't going to get charged or overdraft fee I got charged overdraft fee this bank is very very sad to charge {$35.00} for XXXX XXXX
Product: Mortgage

My mortgage administrator, Loancare XXXX XXXX XXXX, XXXX  XXXX, VA XXXX appears to be operating on online process whereby they are limiting principal repayments to 20 % of the principal. I attempted to make a larger principal payment ( approx 50 % of a XXXX mortgage ) on Friday XX/XX/2021 and was prevented from completing the request online. 
I subsequently called Loancare ( XXXX XXXX on Monday, XX/XX/2021 and was put into a wait queue. I ended up leaving my phone number for callback but the call was not returned. Later that day I made two attempts to contact Loancare through their online systems, first by using their contact form, then by using their document request system. There has not been a reply via these messages so I called again today XX/XX/XXXX and spoke to a representative. The representative said they could not take a principal payment greater than 20 %. 
I explained that I was aware that my mortgage does not have a prepayment penalty and in my opinion by denying a principal payment greater than 20 % Loancare was effectively generating interest revenue on the principal that should have been paid off if they were not restricting payments. 
The representative put me on hold while she contacted their supervisor and came back to inform me that her supervisor could not take the payment as a whole, but would call me back and may be able to split the payment into two parts. I'm assuming this will go ahead, but overall I think that this company is operating a practice that tends to hinder principal payments and results in unfair revenue gain for them.
Product: Credit reporting or other personal consumer reports

Well I signed into my credit card account. And found the following companies reporting on my XXXX report and XXXX report : 1. Transworld systems Incorporated 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXXXX/XX/XXXX XX/XX/XXXX Apparently these companies which are reporting their tradeline against my XXXX and XXXX reports are collection agencies. I have attempted multiple times to get these collection agencies to verify the debt. None of them can provide me physical documentation that I owe any debts. 

All these companies are reporting as original creditors on my transunion and XXXX reports when they are clearly collection agencies. None are able to provide me with any proof of debt. I have never entered any contract or financial business with these companies. Again they are collection agencies not creditors. But they are reporting on my credit reports as creditors.
Product: Mortgage

I contacted customer care at XXXX CMC Funding specialized loan servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of the Cononavirus I'm out of work and wanted to see what I could do payment wise with the company because its a international problem. 
Basically they said I could go in a three month forbearance. At the end of the three months I would have to come up with the three months of mortgage in full up front. This is basically impossible if I'm not working. 

I was to receive information through the mail the next day that I haven't received yet. 
contacted them The XXXX or XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Capital One Auto Fin 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 fumish a account without my written instructions
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed there are fraudulent accounts on my credit report i need those removed immediately thank you
Product: Credit card or prepaid card

On XX/XX/19, I purchased XXXX XXXX tickets for {$400.00} and was requested to pay via XXXX XXXX. This is a transaction that occurs over the phone and paid it to a phone number XXXX via the XXXX XXXX. I sent the money and then the person never emailed the XXXX tickets as promised. I tried to contact the person by phone and I was blocked. I also tried calling via another number and also then blocked. 

Immediately after realizing I had been defrauded, I contacted XXXX XXXX  customer service and alerted them to the issue and requested they hold the funds. I then contacted my Citibank credit card company and immediately disputed the charge. At this point in time, they have stated that they only temporarily credited my account. The merchant responded and will favor with them, with no regard for items not received even though they were both aware that this was a fraudulent transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX, Account # 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, credit repair services, or other personal consumer reports

Equifax has a freeze or alert on my file and they will not remove it. I have tried multiple times to get this removed and they have yet to do so. I need this removed so I can view what they have on my credit.