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

Denied credit line from XXXX XXXX due to delinquent student loan report on credit report. Contacted XXXX since I had been paying on my account and filed a dispute with XXXX. XXXX informed me that they did not report to the bureaus as my account was not in default. I then received a forbearance. Dispute from credit bureau stated info correct. Contacted XXXX again where they verified the loan was not in default and had not been reported to the credit bureaus. Sent a letter that states as much. Filing another dispute with crwdit bureaus with documentation attached. Contacting this agency with concerns the reporting is obviously fraudulent. I believe local law enforcement agencies and XXXX County School District depts. responsible for fraudulent reporting as means of retaliation for grievances, complaints, and EEOC claims of bullying, harassment, discrimination, and retaliation.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

On XX/XX/XXXX was my last payment for my XXXX  XXXX XXXX, ( as shown in the screenshot enclosed ) I did the payment by {$680.00} on XX/XX/XXXX, as of XX/XX/XXXX the balance is XXXX, however, still appears 1 payment remaining? Suddenly today, XX/XX/XXXX appear a balance of XXXX due on XX/XX/XXXX ... no explanation? When I call to XXXX financial service, told me that could be due to interest, but either they understand why! or can give me an explanation, I reviewed the contract where says what changes may take the form of a large or smaller final payment if that occurs, we will send you a notice telling you about these changes before the final scheduled payment due, but I didn't receive any note ... the amount of my final payment was of XXXX as can see in the screenshot.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : - Bankruptcy XXXX XXXXdischarged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 Bankruptcy : Discharged XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have not received any bill from XXXX XXXX hospital. However, XXXX XXXX XXXX ( XXXX, IN ) has sent me collection letter to pay {$1600.00}. I have requested in writing that I receive detailed bill from the hospital and also gave an offer to pay the account. However, XXXX XXXX XXXX has sent XXXX letter this time included my husband 's name on the collection letter. I feel there are XXXX violations ( XXXX ) I have not received any invoice in writing ; ( XXXX ) XXXX XXXX XXXX has included my husband 's name.
Product: Credit reporting or other personal consumer reports

I disputed accounts thats was on XXXX the company didn't not conduct a investigation instead they sent a stall letter in my email which violate the Fair Credit Reporting Act they is furnish inaccurate information on my credit report which is consider fraud information was requested from 15 U.S.C.1666 b timing of payments. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if15 U.S. Code 1681e - Compliance procedures 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. 15 U.S. Code 1692e - False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan with XXXX XXXX XXXX that started in XX/XX/XXXX. I was a co-signer for my daughter and was unaware of the payment history. When I did find out after someone called me about a repo, I took over the payments as of XX/XX/XXXX when I paid what was owed plus the payment for XX/XX/XXXX. I was told my next payment would be in XXXX. Then in XXXX when I called to make a payment, they advised me that I owed XXXX as well! I had them check their records and it showed that I did pay double in XXXX to cover XXXX however they REFUSED to remove their mistake. Going forward, I paid more than the payment just to get this over with. Sick with XXXX XXXX, I made my last payment in XX/XX/XXXX. While making that payment, the lady couldn't figure out why she couldn't take the whole payment. I sat on the phone while she figured it out and she said that when you start a loan with a XXXX XXXX, that they start a savings account which had {$5.00} in it. So I'd have to pay everything minus {$1.00} which they would take out of the savings, close that account and send me a check for {$4.00}. I could careless about that {$4.00}, I just wanted this account paid and behind me, I wasn't even looking for that check. However, late XXXX, I get a call from XXXX, saying that I am a month overdue on my payment!! I ask this lady, how is that when it was paid in full last month! This crazy lady said the balance was a {$1.00}! I asked her if she was serious? Who in their right mind would do that? I explained to her what the obviously very new employee did and said the month before and that I was waiting for a {$4.00} check as well as the title to the car. I was THEN informed that I need to write a letter stating that I no longer wanted the savings account and that then they would take the dollar and close the account. It needed to be hand written and have my signature and then emailed over. I did that AS SOON as I hung up and it was fixed. NO FAULT OF MINES that the first lady didn't know what she was doing and then they refused to take off the late payment on my report for XXXX on Experian and XXXX, it was fixed before hitting Transition.
Product: Checking or savings account

I filed a complaint with CFPB about this issue already and it was closed. I've been with Wells Fargo almost 10 years now and the last year and several months they have been holding my payments to and from me until I overdraft, adding a payment they never showed on my account until that point. They constantly charge me overdrafts and then act like they're doing me a favor with a " one time convienience '' of returning partial credit of what I paid. They did the exact same XXXX here and still refused to acknowledge what they've been doing. I made 2 purchases at the same store, at the same time, on the same day at XXXX and a legal company and both times the fees were taken out 4 to 7 days apart. They are stealing money from me regularly and it is not a favor to give some of it back. They need to be stopped from the horrid practices of stealing from people they know can't afford attorneys against XXXX XXXX   corporations.
Product: Debt collection

YOUR COMPLAINT I saw this account with XXXX XXXX XXXX XXXX on my XXXX credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my XXXX credit reports. Im requesting verification of loans including original signature on documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

XXXX XXXX XXXX uses UMB as the checking accounts processor. I process a transfer from my XXXX XXXX to XXXXUMB which should be no more than XXXX business days. However, UMB will not release the funds until XX/XX/2024 when XXXX XXXX successfully processed with funds gone. I called XXXX to call UMB to verify funds were transferred and make the funds available. I can not meet my credit obligation without the funds. 
Why are funds being held that went through the Automatic Clearing House? Even if it hadnt a current banking system should make funds available before XXXX business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT/LEASE LISTED IS FRAUDULENT SOMEONE USED MY NAME SOCIAL SECURITY AND PHOTO ID TO GET A APARTMENT LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AUTHORITIES ABOUT THIS IDENTITY THEFT REPORT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Money transfer, virtual currency, or money service

I had purchased XXXX dollars on cash app for bitcoin and some way or the other this hacker I assume got on my account and took all of my bitcoin and then disappeared from my account and I was broke and cash app said they were not going to refund me my money and this was around the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Investigation and Correction of Inaccurate Personal Information on Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am reaching out to seek your assistance in addressing a concerning matter regarding inaccurate personal information on my credit report, which is adversely affecting my creditworthiness. 

The specific issues are in violation of the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681i : As per FCRA Section 1681i, consumers have the right to dispute and correct inaccurate information on their credit reports. I have identified inaccuracies in my personal information, specifically incorrect names, phone numbers, and addresses, which are negatively impacting the accuracy of my credit report. 

Fair Credit Reporting Act ( FCRA ) - Section 1681e : FCRA Section 1681e mandates consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information provided in consumer reports. The inaccuracies in my personal information demonstrate a failure in these reasonable procedures. 

I kindly request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure the prompt correction of the inaccurate personal information on my credit report. Enclosed with this letter, please find supporting documentation highlighting the discrepancies in my personal information. 

Your prompt attention to this matter is crucial in maintaining the accuracy and fairness of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

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

I sent multiple letters out to the XXXX, transunion, and XXXX disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to transunion, XXXX, and XXXX and they are still reporting inaccurately. This has not been fixed
Product: Credit reporting or other personal consumer reports

After sending an initial dispute letter to Experian and the creditor reporting this alleged debt, they failed to provide me with any documentation that verifies this alleged debt. They responded verified but how can a debt belong to me if me and the creditor reporting this account never had any contracts or agreements? Why can't they provide any receipts? The unlawfully reporting account is negatively impacting my credit score. I asked the creditor to cease all communications with me in which by definition, reporting this account to my consumer report is a form of communication. They're still contacting me nonstop after asking them to stop contacting me unless they're providing me any documentation asked. I never gave them the consent to obtain my personal information nor did I give them consent. to report anything to my consumer report. I believe that by Experian not properly sending me the documentation asked is a failure to be compliant with the laws that they agreed to abide by. Included in my complaint is a copy of my initial dispute letter and a new dispute letter asking for a reinvestigation. Violations committed by Experian and the creditor reporting this account : 15 U.S. Code 1692g - Validation of debts, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1692e - False or misleading representations.
Product: Money transfer, virtual currency, or money service

Dear CFPB : I am following up a complaint from last year regarding Chase Bank which has still not returned XXXX from a transfer I made to my friend in XXXX to her Chase account from my Chase account. 

Chase said there was fraud involved which is not true. I previously sent her some Bitcoin money which was also legal. The Chase administrator here told me they don't like seeing Bitcoin transactions although this was a legitimate transaction. 

Recently I called Chase again to follow up on this missing XXXX and I was told to call the police and FBI. Chase refused to provide me any information on the status of this XXXX and that my account was closed as is XXXX XXXX 's account. 

She had that Chase account for ten years without a problem and now it is suddenly closed. I believe Chase has information on the status of this money. 

I thought this issue is required by law to be resolved at some point. It appears that they have just kept this XXXX dollars. 

I would contact the police but I know they will be asking the same questions. I'd appreciate it if you could look into this. I don't understand why Chase 's attitude is so unhelpful regarding this money which is not theirs to keep.

There was nothing illegal here. Chase is just refusing to cooperate. The Chase number is XXXX. Ask for fraud department. 

I would really appreciate your help. Thank you. 

XXXX XXXX email : XXXX phone : XXXX
Product: Credit reporting or other personal consumer reports

Ive sent a letter out, and Sent a dispute via Experian and the problem has not been fixed
Product: Credit card or prepaid card

in the month of XXXX i call capital one call in an payment on XX/XX/XXXX, i check back on my account on XX/XX/XXXX in which i spoke whith an capital one rep, he told me that my 25 min payment was deny by my bank the told him the reason why was because it was not money in the account to cover the payment, so we call my bank which is XXXX ( XXXX XXXX ) an rep from them told capiital one rep that was an supervior, that the reason why the money did noy withdrew was because, capital one fail to colcect, on the note, it was not because it was not money to cover the XXXX $ payment note, that they did not deny that, that capital one did colcect to note or the money, afther she confrim or told, them the capital one rep said thats funny, ask for XXXX banking info i told she the bank rep told them, then he said ok, we capital one is going to corcet this.the bank rep hange up me and the capital one rep was on the line he told me to hold on, he was going to fix it, or corrcet it, he came back on the phone said the bank said that the reason why was because it was not money to cover the payment, then i told him " we just got off the phone whith my bank she told just mins ago that that was not the reason why, that it was beacause of you all, why did not you colcect the note '' ) i also ask if i can faile an complant so i can get the statement letter ect..he said no.
Product: Vehicle loan or lease

I had an account with Wells Fargo and believe that my car was illegally repossessed because of payments made were not applied to the loan. I spoke with a representative several times and were told the payments were applied. My car was illegally repossessed. I called Wells Fargo to ask about being part of the lawsuit and was told that Wells Fargo was still processing, and reviewing loans and that no information could be given.
Product: Debt collection

I recently received notification from my bank the my account had been levied by Mid-Atlantic Recovery by way of XXXX XXXX regarding a debt that is more than 10 years old. I did n't receive any written notification to appear in court so that I could dispute it. O have sent a letter to XXXX XXXX questioning the original debtor and how can they initiate legal action against me on an old debt. I am awaiting a response.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX IRA funds for my sister XXXX XXXX XXXX Upon XXXX 's death her IRA funds were to be distributed equally between XXXX 's XXXX siblings, one of whom was me, XXXX XXXX XXXX XXXX. I and my husband have worked for months to arrange a transfer of those funds to my XXXX account, but XXXX has repeatedly found excuses to not transfer the funds i.e. keep the funds. XXXX representative XXXX XXXX stated that if we were to open an account at XXXX, the transfer would be easy. This appears to be a crass attempt to keep the funds at XXXX. In desperation we have surrendered and opened an account at XXXX. Mean-spirited way to act, in my humble opinion. Also my other siblings have not been paid either. 
XXXX XXXX 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: Vehicle loan or lease

I have a loan with Honda Financial that opened around XX/XX/2017. I have been making payments on time since, but noticed that there has been no reports to my credit. I called and was advised that there was a system update and my account was deleted. Unfortunately, nothing can be done. I need this reported correctly because I need the good payments as it impacts my credit tremendously. I have included just recent payments, however, I have all the payments available for proof as needed dating to XX/XX/2017.
Product: Credit reporting or other personal consumer reports

Fraudulent credit check on my report. Reporting fraud for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I recently got " Permanently Limited '' from XXXX stating that my account will be closed permanently due to " potential risk ''. I had received the email stating this shortly after linking my XXXX  account with a popular platform called XXXX XXXX is a platform used to connect social links, promotional links etc for content creators to promote themselves and share their links with friends or family. XXXX encourages users to connect their XXXX account or any other payment method to make it convenient to receive direct support from fans, or XXXX XXXX XXXX. I thought to myself that it would be okay considering that ****** also allows you to connect your ****** email through supported 3rd party platforms like XXXX, etc to receive payments, send payments. I Could not understand as to why i randomly got permanently banned form my XXXX account as i simply connected my XXXX to my XXXX account. I received the email from XXXX shortly less than 5 minutes after. within an hour after a Friend of mine wanted to do some investigation as well in their hopes to assist me with trying to find out what could have caused my issue, they attempted the same thing as well by connecting their XXXX  with XXXX and the same exact thing that happened to me happened to them as well, now unfortunately we are both " permanently limited '' from XXXX my assumption is that it appears to be a potential error or mistake in XXXX XXXX  automated system and i beleive both XXXX and XXXX must be aware of this issue and inform their users and employees. I would grandly appreciate any support possible as i use my XXXX for work, business, receiving money to friends & family, and making bill payments.