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

The bank holds my money and makes interest off of my money in exchange for me knowing my funds are safe AND accessible. Banks have fraud blockage of certain transactions to prevent losses- understandable. Here, their system FAILED, my vacation is RUINED, and no sort of compensation besides a 'sorry ' has occurred. Let 's be clear, I lost : covid tests, time, planning, calls to XXXX XXXX, coordination, a sitter for a pet, XXXX rides, and my vacation time, ALL BECAUSE Bank Of America REPEATEDLY DENIED me the RIGHT and ACCESS to my OWN funds. When I first purchased my flight ticket for my vacation ( which I watched the price for over 5 days to wait for this low price ), it was blocked via web browser. I called the company to use their system in case it was a computer error. Once I tried the transaction, immediately their phone payment system told me it failed and I INSTANTANEOUSLY received a text verification from Bank of America asking if I authorized the transaction. They estimate that I sent " YES '' within ~45 seconds. I waited about 2 minutes and repeated the process with the Viva employee- they have FALSE OR DELAYED estimates about when this occurred on their end. To pay again, I had to talk to the employee, explain what happened, and then start over with a computerized system they use in which I must ( step by step ) enter card number, then exp date, then cvv all on my phone after prompted by the computer speaker- all that to show it takes TIME. I have images showing my card was repeatedly blocked. So, I lost my XXXX rides, was stranded after picking up my covid test results, lost my vacation days, the flight is now more expensive, and I can't go vist my family, ALL BECAUSE THE BANK SYSTEM FAILED TO ACT IN REAL TIME AND FAILED ONCE I CALLED IN TO RESOLVE THIS IN REAL TIME. I'm a XXXX, the price is the least of the concerns, the most insulting piece of it is that they think that paying the difference on the flights would be too much. What I already lost, even if I booked the next day, was time with family, XXXX rides, test results, stress- ( biodamage not ever quantified in real life ), etc. They would have to do much more to make it truly fair. The equalization of cost to where I would only pay my original fare is the VERY LEAST they could do. They BLOCKED me from USING MY OWN FUNDS, MULTIPLE TIMES, and DENIED ME MY VACATION and my trip, losing me funds and lots of time in the background. To say I'm irate is an understatement. I don't recall the last time I have been this mad or used caps lock that many times. Cheers. Imagine it happened to you. " We're sorry sir, it should work now that the flight is {$300.00} more. '' And I found an image of a cheap one because when I called to get that new one at XXXX they told me it was now over 1200.
Product: Credit reporting, credit repair services, or other personal consumer reports

ii HAVE PAST THE 6 YEAR MARK FOR ATTEMPTING TO COLLECT A DEBT AND I EXPLAINED THIS TO ALL THREE BUREAUS. THESE ITEMS NEED TO BE REMOVE IMMEADIATELY :
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

i looked at my credit report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Bankruptcy XXXX, Bankruptcy - XXXX are not complete and accurate. 

i sent a letter to XXXX  and experian on XX/XX/XXXX asking them to make sure everything is complete and accurate. and i also sent another letter on XX/XX/XXXX and here is my tracking numbers XXXX XXXX Its been over 35 days with no response and according to 15 USC 1661i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

They also violated these laws And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are supposed to 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX 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 furnished a account without my written instructions
Product: Debt collection

Was sent a notification that I owed money to XXXXXXXX XXXX XXXXXXXX under my name, my ex wife lived in XXXX at this time and didnt switch out my name this goes to my ex wife, XXXX XXXX is her name. i would like to be removed from this debt ASAP!. THANKS
Product: Mortgage

My wife and I applied for a mortgage with TD bank. After 12 days they had not processed our application or scheduled an appraisal of the property. After calling repeatedly I was finally informed that the credit card my wife gave them for the appraisal fee was expired ( It 's a brand new card expiring in 2020 ) I gave them my credit card number instead which was quickly charged {$430.00} for the appraisal. On XXXX XXXX after calling several times I finally received a letter of conditional approval with a " to-do '' list with a due date for everything of XXXX XXXX. After another week the appraisal had still not been scheduled nor had we seen any progress of the application being processed. We decided to start working with another mortgage company because of the lack of progress from TD. I promptly informed our mortgage officer and mortgage processor at TD that we would be withdrawing our application with them and that I wanted to be refunded the appraisal fee because the appraisal had not been carried out or even scheduled. They assured me that it would be refunded. It has now been ten days and I have not yet been refunded.
Product: Credit reporting or other personal consumer reports

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Debt collection

I am the sole beneficiary of Trust ( account ). 

Letters were sent dated XX/XX/2020 and XX/XX/2020 were sent to Transworld Systems Inc. ( Trustee ) in response to notices sent to me from Transworld Systems Inc. ( Trustee ) and more importantly, due to Transworld Systems Inc. ( Trustee ) erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that their claim is disputed, and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that their offices provide me with competent evidence that I have any legal obligation to pay them. Please provide me with the following : What the money they say I owe is for : Explain and show me how they calculated what they say I owe : Provide me with copies of any papers that show I agreed to pay what they say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that they are licensed to collect in my state : Provide me with their license numbers and Registered Agent or Agent of Service : At this time, I will also inform them that if their offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX  } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by their company or the company that they represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character It is apparent that either : 1. They are acting on the presumption that some relationship that they may have with the original creditor, is in some way related to me, which if such presumption is the case, I confirm that I am not a party to this implied relationship they have with the original creditor, either directly, indirectly or by means of any tacit consent, and accordingly, I do not understand how to respond to them inasmuch as I am unaware of any contractual relationship between us ; or 2. They have entered into a contractual relationship inclusive of evidence of consideration paid to or agreed to be paid to the original creditor, which contractual relationship has caused you to become the legal holder in due course of an alleged obligation between myself and the original creditor.
Product: Debt collection

I am a victim of identity theft. I have never owned an account with Jefferson Capital Systems LLC. I did not give them authorization to report to my credit. Please DELETE from my credit report. They are demanding {$660.00} placed for collection as individual responsibility to me, first reported on XX/XX/2024. They have not provided verification and documentation that there is a valid basis for claiming that I am required to pay the debt. 

I went to apply for my credit and was denied. This fraudulent account has disrupted my credit health. I have never given Jefferson Capital Systems LLC my personal information as a consumer, nor the permission to report my information to major credit bureaus, namely XXXX, XXXX, and XXXX.
Product: Checking or savings account

i am a returning customer that wants to open a new account & XXXX gave me a negative rating & i can not open a new account with wells fargo bank. i have no clue why?
Product: Money transfer, virtual currency, or money service

Cash App sent the 1099A tax form to IRS under my personal information. This CASH APP account is our non profit business account with the business federal tax ID number. I remember when they asked me a a year or two ago to please send them my personal information so they can identify the business account and that is what I did thinking this was protocol. Now I am in the process of dealing with IRS because they stated that my personal income has increased and this is not the case. I contacted CASH APP to correct the 1099A with the corrective form and send to IRS and they told me they have nothing to do with this and I need to contact a tax person and they do not give tax advise. I explained to them that I do not need a tax advisory I need CASH APP to fix the 1099A information they sent to IRS in XXXX and XXXX. Also, I never rec 'd a copy in the mail. I would have seen this error then and addressed it back then. However, I never rec ; d a copy in the mail. I have contacted Cash App several times and they refuse to speak with me on this matter with correcting the 1099A for XXXX and XXXX with removing my personal information and correcting it with the XXXX XXXX information.
Product: Credit card or prepaid card

I had a CITI credit card and I was paying at least the minimum charge via a transfer from another Bank. 

Last month I was informed that my card was cancelled, they would not tell me the reason until I received a letter in the mail, that said that they had tried to retrieve the payment from XXXX  XXXX XXXX and that there where insufficient amounts ( which is impossible ). What I am being told now is that they actually closed the account because I had insufficient funds three times ( again, impossible ), and that each time they let me know by email. I do not have any email from CITI about any of these supposed three times, actually, I have all the emails saying that I paid the card. 

Now, they are charging me an impossible to pay interest rate. I am paying every month, but each month they increase the interest rate, telling me is because every time that they could not get the payment they have increased the interest rate. I have asked them to explain the process, and they say is because of the three times they tried to collect. Nevertheless, they just increased the interest rate, the times do no match.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian for their failure to block a fraudulent XXXX XXXX account from my credit report, despite my submission of all required documentation. This account, with the account number XXXX, is a result of identity theft, and Experian has not acted in accordance with the Fair Credit Reporting Act ( FCRA ) to address this issue. 

Details of My Complaint Proof of Identity Theft : I have submitted the following documentation to Experian : Proof of identity, including copies of my driver 's license and Social Security card. 
Proof of residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX for the past XXXX years. 
A Federal Trade Commission ( FTC ) Identity Theft Affidavit. 
A police report confirming the identity theft. 
Denied Requests : Despite providing the above documents, Experian has denied my request to block the fraudulent XXXX XXXX account. Instead, they have treated my block request as a dispute and returned it as verified without any context or proof that the debt belongs to me. 

XXXX XXXX Process : Experian has failed to conduct a proper investigation. The fraudulent XXXX XXXX account was verified by Experian without thorough verification, contrary to the requirements of the FCRA. 

Violations of the Fair Credit Reporting Act ( FCRA ) Experian 's actions violate several provisions of the FCRA, including but not limited to : Section XXXX ( 15 U.S. Code 1681c-2 ) : Failure to block the reporting of information resulting from identity theft within XXXX business days upon receipt of appropriate proof. 
Section XXXX ( 15 U.S. Code 1681i ) : Failure to conduct a reasonable reinvestigation of the disputed information. 
Section XXXX ( 15 U.S. Code 1681s-2 ) : Furnishing information with actual knowledge of errors and failing to update and correct inaccurate information. 
Request for Immediate Action I respectfully request that Experian : Block the fraudulent XXXX XXXX account ( account number XXXX ) from my credit report as required by law. 
Provide written confirmation that the fraudulent account has been blocked. 
Cease any further reporting of this fraudulent account to all credit reporting agencies. 
I urge the Consumer Financial Protection Bureau to investigate this matter urgently and take appropriate enforcement action against Experian to ensure compliance with the FCRA and to prevent further harm to consumers like myself. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Product: Debt collection

World Finance showed up on my credit report on twice. One account for {$140.00} and another for {$1200.00} and I have not had an account with World Finance in over 2 decades. They never sent me notification of debt when I requested it in XXXX, XXXX and still havent. So I called them and they claim to have bought the loan from a company that has since closed down in Tn. I ask for proof due to I have not had an account with XXXX since XXXX. They were rude when I called ( the female who answered the phone ). I was told I would receive proof and still never gotten it. I am requesting debt to be deleted since they failed to adhere to FCRA that states they have to send written notification within 30-45 and its going on 2 years and still havent received anything.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted JPMorgan Chase Bank to notify them that I am opting out of sharing my consumer nonpublic information, pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809 and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. I have yet to receive any response from JPMorgan Chase Bank, and they continue to share my consumer nonpublic information nonaffiliated third-parties, including, though not limited to the following : XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Money transfer, virtual currency, or money service

I used western union money transfer app as usual. I sent money by using bank information to deposit directly to receiver bank information. It usually takes 0-4 business day but when i received confirmation page was saying that it will available in 6 days. I called their customer service to explain the situation but they didnt answer clearly and resolved the issue.
Product: Credit card or prepaid card

My complaint is with Bank of American and the length to which they hold onto my money without restitution. 

On XX/XX/XXXX, I planned to transfer money between my checking accounts at Bank of America ( and ultimately out to my brokerage ). Accidentally, I transferred money to my credit card. This resulted in overpaying my credit card. My balance on my credit card was less than {$1000.00} at the time and there were no guardrails to stop my from making this transfer. I immediately noticed this issue and called to have my transfer reversed. I was told to call back the next day and was told it would take 2-5 business days for my checking account to be credited. I called 3 business days later and was told to continue to wait. I called 2 business days after that and was told that I still had to wait. I called the next business day and was finally told that my request had been approved, but my account had not been credited. At this point I asked for restitution for my money as it's been unavailable for the last 10 days. After being transferred between the banking and credit card departments multiple times, I was told that there was nothing that can be done. As of today, XX/XX/XXXX, I have yet to receive my money back. 

My issue is with the way my bank treats my money. It takes seconds for my money to be deducted and moved into their account, but it takes 10+ days for the money to be credited back. These types of controls and process are done to withhold consumer cash. This is blatantly unfair for the consumer. I do not have access to my money. I cant invest or earn interest. 

Please help.
Product: Mortgage

I had previously tried to establish a home loan. And during the final stages of underwriting, I was asked how was a account ( that had been paid off for 2 years ) been paid on. Was it weekly, monthly, or a lump sum payment. If you have the proof that a account has been paid off, it's at a XXXX balance it should not matter how it was paid off. i know for sure that this was just anything to not approve me for the loan. It is very discriminating to people of XXXX trying to get a loan. May I add that when I went to another bank I got approved for my new home! So please be very careful and pay attention to detail of the managers that will be working on your loan at Renasant Bank. Be aware and run!!!!!!
Product: Credit reporting or other personal consumer reports

I contacted this company XXXX, XXXX XX/XX/scrub> 2024 about this negative account there are reporting on my credit report. Asked for proof of verification of debt they never showed any proof!! then asked for them to remove it from my credit report they decided to report as paid for less. And know I have put this company on notice of demand and invoice for my rights being violated under the FCRA Act they continue to report and You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : inquires not mine XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Resident type Post office box  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX