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

I purchased XXXX XXXX that I never received and asked for my money back for services that were not received. I contacted my bank after filing an FTC report. The FTC mentioned that if my bank is unwilling to help to file this report. I contacted my bank to file a dispute or fraud. The bank took my information and said they would get back to me within XXXX business days. I received a letter saying I was denied, but there was no information on why. I contacted them again and asked for the reason, and it was unclear. The only thing the banker could tell me was it was possible to be denied based on how I sent the money ( XXXX ). I asked to speak to the department that handles these issues. They said they were not customer-facing. They said they would reach out to them on my behalf. I did not receive any details on why they would not assist me. I was very confused and was wondering if they reached out to the vendor that has not provided me with the services I purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times, the most recent being XX/XX/2021 about inaccurate, erroneous, and highly injurious accounts being reported by their company. I have not received any response or resolution on the matter for over 30 days after it has been confirmed that they have received my dispute. I have records and receipts of every time I have contacted Equifax and they have violated several clauses within the Fair Credit Reporting Act.
Product: Prepaid card

I booked complimentary rooms at two hotels in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024 - XX/XX/2024 ; however, you have to put a deposit down. I used my cash app card to put the room deposits down they both were {$200.00} a piece totaling {$400.00}. I checked out of the rooms on time, there was no issue with the hotels. The deposits are to be returned/refunded. Cash App will not refund them and it's been two weeks. They are stating that I have to wait 31 days for them to be refunded. That's a total of {$400.00} I have to wait to be refunded from two deposits each {$200.00}. Cash App is holding on to my money for no reason. I have spoken to both hotels and they have both canceled the deposits as they should have. Noone from Cash App is of any help to me and they close out their chat. I believe they are withholding the deposit personally because I keep contacting them. There should be no reason when a transaction is canceled that a person has to wait 31 days to see their money back. I would like my money back onto my cash app account immediately.
Product: Debt collection

On XXXX/XXXX/XXXX my payment of of {$290.00} was received by XXXX XXXX XXXX, who was assisting me in debt consolidation and was paying my credit card bills as a third party. Of that amount, {$8.00} should have been disbursed to Discover Card XXXX on or before XXXX/XXXX/XXXX but was not. The payment of {$8.00} was finally made to Discover Card XXXX on XXXX/XXXX/XXXX. This now shows up as derogatory information on my credit report for being a month late.
Product: Checking or savings account

I expressed to the company that they are continuously violating my rights as stated by FCRA code 1681 B.
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 or delete 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 's XXXX XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX, have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A state that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

I have told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXXXXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are must modify accounts that aren't reporting correctly.
Product: Money transfer, virtual currency, or money service

i started trading crypto in a trust wallet browser called trust wallext. i was actually making money but when i went to withdraw they would not let me withdraw until i payed taxes and fees so i payed. every time i pay they told me i could withdraw but then they came up with another fee. the last time i payed a fee was XX/XX/23 {$16000.00} and the let me have {$610.00} but froze the {$230000.00} and said i had to pay {$19000.00} fee to unfreeze. they will not let me have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX XXXX, XXXX, SC, XXXX
Product: Credit reporting or other personal consumer reports

Continue to Report inaccurate information on my consumer report and disregarding my attempts to correct these mistakes Misrepresentation of my account status or actions I have taken to address these issues. Lack of timely, transparent responses to my disputes and violation of the fair credit report act.
Product: Debt collection

On XX/XX/2021 JPMORGAN CHASE & CO ( SEE ATTACHMENTS ) sent me, the natural person, consumer and Original Creditor proof that they would cease communication with me pursuant to 15 USC 1692c ( c ) - Communication in connection with debt collection ; JPMORGAN CHASE & CO did not cease communication pursuant to the previously stated federal law ( SEE ATTACHMENTS ). This means that JP MORGAN CHASE & CO, pursuant to 15 U.S. Code 1611 ( 3 ) - Criminal liability for willful and knowing violation, continued these individual actions willfully if we are looking at the dates each correspondence has compared to when the cease and desist was acknowledged. After nearly a month of back and forth I, the natural person and consumer decided to ask JPMORGAN CHASE & CO for validation of the alleged debt pursuant to 15 U.S. Code 1692g - Validation of debts and was provided the name and address of myself and my address ( SEE ATTACHMENTS ). JPMORGAN CHASE & CO has also sent proof of receipts with statements in a positive balance, which aides in confirmation that a consumer credit transaction took place. I took the time out to learn these laws and that caused my partner and I to argue more of money needed in the household to pay alleged obligations arising from consumer credit transactions and ; 15 USC 1692d ( 1 ) ( 2 ) - Harassment or abuse to suggest or assume that an attorney denies representing me, a natural person and consumer is an oppressive statement to which I deem obscene and damaging to my reputation ( SEE ATTACHMENTS ). Pursuant to 15 USC 1692b ( 5 ) - Acquisition of location information the symbol in the documentary evidence gives me anxiety because I know its from a debt collector by the logo. JPMORGAN CHASE & CO has never given me cure or relief so why would I associate this symbol with anything other than debt collection? Prove me wrong. I have tried to resolve this complaint however I am of tired of being unheard and passed around from one department to another, as a deflect responsibility ( see attached ). After my investigation, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
Product: Credit reporting, credit repair services, or other personal consumer reports

**NOTE** THIS IS NOT A DUPLICATE COMPLAINT. SEE REQUESTED ATTACHMENTS. 


Problems with credit reporting due to unverified, inaccurate, misleading information on my report.
Product: Credit reporting 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 and list of Inquiries. 

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.
Product: Checking or savings account

On XX/XX/2023 I made a withdrawal for {$210.00} ( not including fees ) using my Chime card at XXXX XXXX XXXX. When I went to do this no money came out of the ATM but my account was still charged for a total of {$210.00} but no money was dispensed ; only a receipt with the error code, dispensed amount ( {$0.00} ) and the amount requested. Ive done several rebuttals since then, Ive called the ATM company to which I was told to direct chime to call them, Ive provided them with the receipt to back my claim, I even filed a complaint with the XXXX. When I filed the complaint to the XXXX they reopened my dispute but it still says denied on my app. I just want my refund this has caused massive distress on my life.
Product: Debt collection

I am writing to formally dispute a collection account that has been inaccurately reported on my consumer report. It has come to my attention that this collection account has been placed on my report without adherence to consumer protection laws and regulations. 

As per 12 CFR 1006.34 ( b ) ( 5 ), collection agencies are required to provide validation information upon request. However, despite multiple attempts to obtain this information, the collection agency has failed to comply. This failure to provide validation information calls into question the accuracy and legitimacy of the reported collection account.

Furthermore, I have not been given the opportunity to dispute this account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This lack of due process denies me the fundamental right to challenge the accuracy of the information being reported about me.

In addition to these violations, it has also come to my attention that the collection agency may be engaging in deceptive practices, which is prohibited by 12 CFR 1006.34 ( d ). Such actions undermine the integrity of the credit reporting system and violate consumer rights.

Upon reviewing the circumstances surrounding this collection account, I have reason to believe that the collection agency may have acquired this debt unlawfully. Therefore, I kindly request that the Consumer Financial Protection Bureau facilitate the retrieval of the purchase agreement between the collection agency and the original creditor.

Obtaining a copy of the purchase agreement is crucial for evaluating the validity and legality of the collection agency 's claims. This documentation will shed light on the nature of their agreement with the original creditor and ensure transparency in this matter.

Additionally, I request that the Consumer Financial Protection Bureau verify whether the collection agency is licensed and bonded. It is essential to ensure that the collection agency is operating within the bounds of the law and meets the necessary regulatory requirements, as stipulated by 15 USC 1681-S2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to promptly request the purchase agreement from the collection agency and provide me with a copy for my review. Furthermore, I request verification of the collection agency 's licensing and bonding status to ensure compliance with regulatory standards.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure consumer rights are upheld and that proper procedures are followed in resolving this dispute.
Product: Checking or savings account

Opened bank account at Huntington bank. Decided to close account. Went in person on XX/XX/year> to XXXX XXXX XXXX XXXX, XXXX MN. Closed account. They told me it is closed. Following day I received a text and email notification of low balance in Huntington bank account. ( {$0.00} ) I called customer service and asked why Im receiving these alerts after closing account. They told me that it is pending closure and takes up to 14 days to close the account. XXXX business days later on XX/XX/year> I am still receiving these low balance notifications daily. And now the low balance shows {$0.00}. Not sure where the {$0.00} came from after closing my account. When I called customer service today XX/XX/XXXX, they told me that it takes up to XXXX to close the account. I told them it has been XXXX business days. They told me they didnt know why it was still pending closure and that they would send a complaint to management.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ACCOUNT ( S ) /ITEMS DELETION LETTER OF IDENTITY THEFT & FRAUD XXXX  ( IDENTITY THEFT & FRAUD ) TRANSUNION VIOLATION FCRA Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern : PLEASE REMOVE THESE ADDRESSES AND NAMES THEY DO NOT BELONG TO ME. : XXXX XXXX XXXX XXXX, MD XXXX PLEASE DELETE THESE ADDRESSES FROM CREDIT REPORT MY CORRECT NAME AND ADDRESS IS : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX FTC REPORT # : THE POLICE REPORT # : XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which 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 and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX UT ) XXXX Balance : {$1500.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; If the credit bureaus 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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: Checking or savings account

On XX/XX/2021 TD Bank called my cell phone at XXXX XXXX and stated I had fraudulent charges on my debit card. He stated he was going to cancel my card and reimburse the charges. He proceeded to go over fraudulent charges, keeping me on the phone to ask if they were made by me and I stated no to all of them. The next morning I called TD Bank after I couldnt get into my checking account and had to reset my password and started to thoroughly check my account to find {$3400.00} stolen from my account. I immediately panicked and called TD Bank, I proceeded to have my online account shut/closed down and put in a dispute for the fraud charges. They did an investigation and have denied my claim 3 times stating I approved it through my cell phone, which is absolutely not true. Even with a police report they insist it was approved by me. My XXXX was completely going haywire and I had to go to XXXX to purchase another phone, which leads me to believe the imposter placed some malware/virus sim port scam on my cell phone to be able to approve these cell transactions from my phone number. I have been on the TD XXXX XXXX XXXX Complaint on-line and have seen various complaints stating the same fraudulent activities happening to others with denials from TD Bank. My son recently passed from XXXX XXXX having many bills due to his illness, lost my second job due to XXXX  XXXX and to add insult to injury this criminal fraudulently stole my money. This ordeal has caused me a great deal of anxiety and emotional distress after not even a year of losing my son. Would you please be able to assist me in any way to recuperate my money that was stolen from my checking account through XXXX by this TD Bank Imposter? 
I thank you in advance for your assistance in this matter. 

Thank you,
Product: Credit reporting or other personal consumer reports

It appears that my 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 which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX  XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX : {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$3400.00} XXXX XX/XX/2XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Subject : Dispute and Demand for Reinvestigation of Items on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of certain items reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you reinvestigate the following items and provide prompt verification of their accuracy or remove them from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 15 days of receipt of this notice. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of the disputed information, you must delete the information promptly.

Legal Precedents and Statute of Limitations It is critical to note that inaccurate or unverifiable information may not remain on my credit file. Furthermore, you must consider the applicable statutes of limitations governing the reporting of negative information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reaffirms the requirement for credit reporting agencies to ensure the accuracy of information and to remove any unverifiable data promptly. 
XXXX. XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : This decision highlights the obligation to conduct a thorough reinvestigation, underscoring that failure to comply with 15 U.S.C. 1681i constitutes willful noncompliance, with statutory damages applicable. 
The urgency of this matter can not be overstated. The continued presence of inaccurate or unverifiable information on my credit report directly harms my financial standing and ability to secure credit. Delayed or incomplete action on your part would not only violate federal law but may also subject your organization to legal action and liability for damages under 15 U.S.C. 1681n and 1681o.

15 U.S.C. 1681i ( 7 ) Additionally, I remind you of its obligation under 15 U.S.C. 1681i ( a ) ( 7 ) to provide a clear and complete description of the reinvestigation process. Please include a detailed summary of the procedures used to verify the disputed items, as required by law. 
Documentation To assist in your investigation, I have enclosed the following : A copy of my government-issued ID and proof of address Request for Resolution I expect a response within 15 days of receipt of this letter. Failure to comply with your obligations under the FCRA will leave me no choice but to seek legal remedies to protect my rights. Please notify me in writing of the results of your investigation and any actions taken or delete these items promptly. 
Thank you for your immediate attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

i sent all documents to prove that i am the new owner and contracts to XXXX to update the account with the new account holder as paid in full they have not responded or updated the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX