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

I have contacted transunion several times about these accounts that is being reported negative and verified i have asked them in a certified and notarized letter to please show me a signed contract with my name on it. and to show me proof on how the information was verified. They continue to send my reports back saying updated and verified. I have contacted transunion onXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( online I disputed these accounts ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. ( certified and notarized mail ).
Product: Money transfer, virtual currency, or money service

I am filing this complaint against ( 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: Consumer Loan

The problem began with the refinance. The loan officer was extremely disorganized and the application was incorrect. The loan was to be in my name only but the financials included all of my husband 's information. It also included all of our old financial data and none of the new information provided. When I brought this to her attention, I was advised not to pay any attention to this it was a clerical error and not a problem. This was the information that was going to be used for the HELOC we were applying for and to sign the documents. 

I had to manually mark through information and initial to feel better about the legality of the application. When we finished, I inquired about this account showing on the website with my husband 's information since that is how I do all of the banking. I was assured and reassured there would be no problem. I am employed in the industry. I work for a mortgage company in customer service and had serious doubts but decided to trust her. It did n't work. 

Now we will fast forward. I was in a car accident on XXXX XXXX, 2015. My Fiat is hit by a tractor trailer and totaled. My insurance company was ready to settle on XXXX XXXX, 2015 - or thereabouts. BBT never perfected the title to list themselves as the lien holder. They argued back and forth with insurance company, putting me in the middle, about whether or not it was needed. 

Finally, I put my foot down and stated it did not matter, the fact remained BBT did not do what was required of them when they took the loan on. It needed to be done and now. XXXX with BBT is now having the title perfected and offered to effective date the payoff to XXXX XXXX, 2015 when he first started this process. XXXX XXXX should be recognized for his superior management of this case and his excellent customer service. 

One month later and my loan is not paid off and I am making payments on XXXX car loans. To say I am furious is a mild understatement. To have to go through the stress of the XXXX accident I have experienced in XXXX years of driving and then go through the stress of this is too much. 

Today I received from BBT a letter advising me that my insurance coverage on my Fiat - that was totaled and should have been paid off in XXXX - was cancelled. Unless I provide proof of coverage, they will purchase coverage for me. Insult to injury. I have asked assistance from XXXX XXXX. 

Now I can go onto the HELOC we did not follow through on because on the HUD. I had advised the loan office that the HUD needed to be correct and requested that she review this prior to us coming in for the signing. Our income was double to over {$200000.00} and our debt was doubled as well, along with incorrect information in other areas. Obviously she did not do her job and I left. This is extremely poor customer service and a lack of professionalism. 

I have shared my horrible experience with all of my friends and they are equally shocked at BBT 's lack of professionalism and follow through. I do not wish to drag this impossible situation out any further.
Product: Checking or savings account

I logged into my Chase account to check my credit card balance. I saw an offer for {$900.00} to open a new checking and savings account with a minimum deposit of {$15000.00} to the savings account. I created the accounts, accepted the terms and conditions and followed a Chase prompt to transfer funds to create the opening balance. The Chase website had me add the account information, choose the amount of the transfer, i provided the information and indicated the amount of {$15000.00}. I then received a phone call from Chase to verify my information. I answered several questions, the last being a question of an address where i lived 25 years ago. I told the Chase employee, i lived there for less than 6 months 25 years ago, i dont remember the address, i would be guessing. He told me he needed an answer so i guessed and got it wrong. They didn't process the transfer. I called Chase, they told me that for that amount, the relationship with the other bank has to be in place for 6 months. When i followed the Chase websites prompts for adding an account and indicating the transfer amount, none of that was stated in their information, terms and conditions or anywhere. I was transferred to a supervisor and i told her what happened and asked her to close the checking and savings accounts because i woud n't do business with them if this is how they operate. XXXX or XXXX told me that i couldn't close the accounts over the phone, that i would have to go into a branch. I told her i opened the accounts over the web, why cant i close it over the phone or web and she said i had to go to a branch.

1 ) Chase is promoting an offer and their website prompts you to do something that goes against their own policies and misleads the customers.

2 ) I should be able to close an account over the phone or web if thats how it was opened.

3 ) How do i know this wasn't a scam to get my other financial institutions login and password information?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX XXXX  XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a charge off on my consumer reports. A charge off is considered income by the INTERNAL REVENUE SERVICE. A XXXX was filed, but I have not received my copy. XXXX XXXX charge off shall be removed from all consumer reporting agencies reports immediately.
Product: Credit card

Dear Bank of America Visa XXXX XXXX Customer Service, I am writing to bring to your attention a matter of utmost urgency regarding my Bank of America Visa XXXX XXXX, account number XXXX XXXX XXXX XXXX. My name is XXXX XXXX, and I have been a customer in good standing for quite some time now. 

Today, upon attempting to utilize my card, I was alarmed to find that it has been locked. To my further dismay, I discovered an unauthorized charge of {$150.00} on my account. I want to stress that I have not made any transactions using this card for the past year. Moreover, I have diligently paid off all balances associated with this card. 

Regrettably, I have been unable to reach your customer service team despite numerous attempts. The lack of response has exacerbated my concerns and left me feeling frustrated and helpless. 

As the app associated with my account is also inaccessible due to the card being locked, I am unable to review the details of the unauthorized charge or any other recent transactions. This lack of transparency only adds to my anxiety regarding the security of my account. 

In light of these circumstances, I urgently request the following actions : Immediate investigation into the unauthorized charge of {$150.00}. 
Unlocking of my card and restoration of full access to my account. 
Provision of detailed information regarding the unauthorized transaction and any other recent activities on my account. 
Assurance of enhanced security measures to prevent future unauthorized transactions. 
I implore you to treat this matter with the utmost urgency and to provide me with prompt resolution. As a loyal customer, I trust that Bank of America will take the necessary steps to rectify this situation and restore my confidence in your services. 

Please do not hesitate to contact me at [ Your Phone Number ] or via email at [ Your Email Address ] to discuss this matter further or to provide updates on the progress of your investigation. 

Thank you for your immediate attention to this matter. I eagerly await your response and swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian and XXXX and transition have not been updating the correct information to my credit report, I have tried disputing them and they always send me a letter saying that the information is correct and no change would be made XXXX XXXX XXXX account balance incorrect XXXX XXXX XXXX {$460.00} balance ( this account is paid in full XXXX XXXX XXXX XXXX -incorrect credit card balance {$450.00} which suppose to correct at {$360.00} incorrect balance -credit line account paid in full still show negative XXXX XXXX- account balance incorrect I would like all close accounts removed from my credit because they are paid off and not in collections or charge off,
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$1400.00} XXXX XXXX {$590.00} XXXX XXXX {$9500.00} USDEPTED XXXX {$3500.00}
Product: Credit card or prepaid card

Two fraudulent charges of {$99.00} each were made to my card through XXXX when I don't even have an account. I disputed the charges per Wells Fargo 's instructions and they credited the charges two days later. I received a new card per my request to prevent this from happening again. Now on XXXX they put the charges back on my card claiming I needed to put in a fraud claim instead of a regular dispute even though this was the first I heard of this process from them. I immediately filed the fraud claim but they have made no attempt to correct the issue. In fact it took me being transferred to multiple individuals before someone even acknowledged the charges were even adjusted back onto my balance as a charge!
Product: Credit reporting or other personal consumer reports

I am disputing a collection on my credit report. I can not determine if the collection rightly belongs to me or what the original date of the first delinquency is because the account has been sold to a third-party collection agency, which has reported its own open date. I have the right to know this account 's original XXXX  date.
Product: Credit reporting or other personal consumer reports

I disputed the inquiries and informed I didnt recognize the them XXXX XXXX
Product: Debt collection

XX/XX/2021 THE COMPANY PLACED IT ON MY CREDIT AND IT IS NOT MY DEBT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with Experian the account which is XXXX XXXX # XXXX Experian investigated and it came back verified. In XXXX I sent in a certified letter to Experian for a Method OF Verification, this is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Experian via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Experian got the letter on XXXX XXXX,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Experian completed their investigation with the account XXXX XXXX # XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Experian have violated my rights and need to remove the account from my credit, I am considering filing a small claims for the non-compliance. this is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file,,, a debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, ,if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the, Experian violated laws and my rights and refused to send me what I Requested. As a consumer I was exercising my under the FCRA 611 ( a ) ( 7 ) to request a complete description of all METHODS used to investigate my aforementioned dispute. Experian you have willfully violated my rights as a consumer and I am in the process of filing a suit with the court for a small claims for the damages I am entitled to due to EXPERIAN noncompliance or Experian can remove this account from my credit file. Experian had plenty of time to send me their METHOD OF VERFICATION,, EXERIAN FAILED TO DO THAT,, I HAVE ENCLOSED ALL PAPER WORK AND CERTIFIED MAIL RECEIPTS THAT I SENTTHE LETTER TO THIS COMPANY THEY RECEIVED THE LETTER AS YOU CAN SEE THE DELIVERY NOTICE.AND THEY UPDATED THE ACCOUNT BUT STILL FAILED TO SEND ME WHAT I AM ENTITLED TO AS A CONSUMER PER THE FCRA..EXPERIAN REMOVE THIS ACCOUNT PLEASE.
Product: Mortgage

I have been a customer of Wells Fargo for 16 years. 2 of my loans are almost paid off. I have never been late with a payment, I have a credit card with them and a home line of credit. I am deeply disturbed by this business practice. I started the loan process with them in XXXX. I had a pre-approval letter for a house. We are 3 weeks away from closing, after putting money down and paying in advance for an appraisal that XXXX XXXX and XXXX XXXX don't accept short term rental income. I have had rental income for 9 years. I have asked that they contact other banks for less stringent methods. I detralmentally relied on this and have purchased almost {$2000.00} worth of funiture in my garage. {$4000.00} downpayment and almost {$700.00} to Wells Fargo. It was never mentioned that short term rentals are not the same as long term rentals and this was even an issue until TODAY, a short time from closing. I asked that smaller banks be contacted for their stance. which I was told that was above their salary grade. This is unacceptable. This should have been disclosed in the beginning that a short term rental income does not qualify the same as long term rental. If it is income it should not matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern I have been a victim of identity theft and this account does not belong to me the creditor has incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account Number XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

All Rights Reserved
Product: Checking or savings account

My account has had unauthorized transactions over 10 only 2 went through after they cleared my account I dont even own a XXXX it happened while I was on my lunch break at work Ive gotten no assistance or help, I filed a dispute and have gotten no information or help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

Credit card company switched to Ally Credit Services from Ollo credit. Worse thing to ever happen to me! Have been on the phone with Ally for MONTHS to fix this issue. When I log in online it states theres a security issue to fix and a phone number to call. I call the Ally number listed on the message to be disconnected EVERY SINGLE TIME. I dont know what to do because I cant pay this online or by the phone. I will have to get an attorney if this is not resolved. Worse criminal company ever!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on XXXX   partial account number ****XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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: Checking or savings account

I played at XXXX. I deposit a total of {$3000.00}. During those deposit I want to cash out for {$1700.00} the site would not let me. I reached out to a chat rep name XXXX. She stated I could not cash out cause they put a bonus on my play. I explained I never authorized the bonus nor did I use a bonus code. XXXX stayed when they run promotions they automatically add bonus and I could forfeit the bonus but I would also loose all my winnings. I explain this is illegal you never notified me that a bonus was being put on. So I had to wager around {$300.00} which I did I then went to cash out. XXXX add another bonus so you could not cash out again. I called Chime and explained this is a scam you will not be able to cash out they just want you to keep depositing. I want to dispute the charges. That rep put in for unauthorized charges. I explain I did not understand why he was doing that as unauthorized charges. I then got a email from them stating under XXXX XXXX no credit would be given. I called Chime that day spoke to a rep explain based on this XXXX XXXX the XXXX XXXX XXXX filed the dispute wrong. So he told me he fixed it. Yesterday on XXXX XXXX my claim was denied caused it was never changed they still had it under unauthorized. I spoke with XXXX reps the last rep told me he put it in for a rebuttal and fixed the dispute reassign to scam. I explain to them many times if they calls are recorded they would get me telling the XXXX XXXX rep why is he doing unauthorized dispute? I trust chime to put this claim in the right category they are my banking. But they did not. Now my claim is being denied. I was scaled out of this money. If the claim was done right from there rep this matter would of been looked into.
Product: Credit reporting or other personal consumer reports

The list of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15USC 1681 XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX XXXX Midland credit mngt.XXXX XXXX. XXXX XXXX XXXX XXXX at my XXXX credit report on XX/XX/year> and i notice somethings are incomplete and not accurate. According to the fair Credit report act whenever a consume report agency prepares a consumer report it shall follow unresonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 Ce7 { b }
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency has been reporting an account that has been legally removed from my records. ( Education loan ) has removed all records reporting on my behalf. No agency should be still reporting this information numerous times which is illegal because no loans should be reporting at all under my name
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed several unauthorized and fraudulent inquiries. These unauthorized inquiries include : - 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 XXXXXXXX XXXX.