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

Recently I did an investigation on my report, due to your erroneous reporting to the Credit Bureaus its highly negative impact on my personal credit report. Please be advised that this is not refusal to pay, but a notice sent pursuant to the Fair Credit Debt Collection Practices Act : 15USC 1638g Sec. 809 ( b ) that your 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 .I would like for my report to be accurate.
Product: Checking or savings account

I had attempted to open an XXXX account at Wells Fargo in XXXX and they were suppose to move my current XXXX into their institution. They never moved the funds due to a technical error. I requested my money back to which they said they would. I forgot about the discussion, they sold my account to XXXX XXXX and now XXXX is threatening me for overdraft charges for an account that should not have been opened and have taken my {$100.00}. I would like my {$100.00} back as I requested within the first month of the account being opened. XXXX XXXX refuses to provide me the money even though they accepted the account and responsibility. They claimed Wells is responsible ; which is not an accurate statement as that does not absolve them from Wells actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 5 years or so my address has been : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. Before that as of XX/XX/2012 it was XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, and before that I cant remember the specifics but i believe it was : XXXX XXXX XXXX, XXXX, XXXX XXXX. Those have been my addresses for approximately the last 15 years. My phone number has been the same since 2012. I think I'm being discriminated against for some reason because I have contacted TRANSUNION, XXXX, and XXXX repeatedly and they refuse to provide me with a copy of my credit reports! All of my info has been the same for years! All of my banking, financial, legal, residential, government, and ALL OTHER info is the same and basically has been since 2012! 

Please investigate the persons in charge of these awful companies and I suspect terminations are in order ( the only question is : who exactly needs to be terminated for not doing their job )! 

THESE COMPANIES HAVE GIVEN ME MULTIPLE PROBLEMS FROM NOT PROVIDING MY REPORTS, CLAIMING NOT TO HAVE MY INFO ( ALTHOUGH I HAVE PAID OFF A NEW VEHICLE, HAVE A LABOR REPORT WITH THE SAME INFO, AND THEY HAVE ABUSED Y REPORTS EVERY POSSIBLE WAY THAT I HAVE WITNESSED! SPEAK TO THE PERSON WHO SIGNS THEIR PAYCHECKS AND MAYBE THAT WILL MAKE THEM DO THEIR JOBS! ( YES I'M UPSET! )
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX  on XX/XX/XXXX through Chase Bank, from XXXX XXXX XXXX in XXXX Tx. The loan was for drive out {$34000.00}, after talking to the finance man I was given a payment amount only. Next next day I saw a balance of {$40000.00}!!! I immediately went back to the dealership that Monday to cancel all extras. The first refund was for {$1500.00} and the other money eventually came off the balance I owed Chase. The {$1500.00} on the other hand has not been credited to my account and I am still paying interest on money that I don't owe Chase Bank. The dealership showed me that Chase cashed the refund of {$1500.00} on XX/XX/XXXX but it has not been applied to my balance. Chase said one loan was cancelled and they sent the check to that loan. I've told them the was my money for my loan and please credit it to my account. They said they sent it to the dealership but the dealership had recieved no check. Chase was supposed to cancel that check and send another but nothing has happened to.this date. I'm stuck paying interest on money I don't owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never heard of Patriot loans  and have never applied for one with that company yet they have over 5 inquiries on my credit report and its damaged my credit report. I reported the fraud to the credit agencies and they said I have to contact the company individually and I did. They have refused to remove the inquiries
Product: Checking or savings account

XX/XX/XXXX XXXX mad a withdrawl on my account for {$110.00}. 
XX/XX/XXXX I notifed Chase Bank of Fraudulant transaction and it was reversed. 
XX/XX/XXXX the reversal was reversed without providing evidence to why my fraud claim was denied. 

Several periods from XX/XX/XXXX thru XX/XX/XXXX I continued to contest transaction and be ignored. I asked to have account closed which they refuse to do. 

Chase knowling is allowing fraud charges to be charged and refuses to protect consumers.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the erroneous information on my credit report : XXXX XXXX
Product: Checking or savings account

I was notified by letter in XX/XX/2022 that Capital One intended to close my longstanding checking account on XXXX XXXX2022 because the company was updating their banking system and my account number was ineligible to be transferred. They called it a technical issue. Any balance in this account would be mailed to me. As a retiree, my retirement direct deposit, social security payments and mandatory investment withdrawals are deposited monthly in this account. Also, service payments to a number of company obligations are debited directly from this account. I have had to spend an inordinate and unnecessary time and energy trying to right my financial footprint over the last few weeks. I have reached out in writing to the administrative arm of the company and have heard back from an assigned employee who has informed me that here is nothing that can be done to consolidate or rollover older accounts within their system. My savings account was not at issue, but I independently chose to shut that account down. It is hard to understand why a healthy, long time account would not be maintained. I know that this affected other consumers besides me.
Product: Checking or savings account

I Ive in XXXX XXXXXXXX ny so I dont know if youd be able to help Ive seen other stories youve done on chime and I thought that you could help I lost my phone on XX/XX/2021 the next day {$2500.00} was taken from my chime account ghe next day I immediately order new phone and filed a dispute that did nothing as chime said no error occurred even though I showed them emails from my phone provider showing my phone was missing and that they had sent out a new phone to me, on XX/XX/XXXX I had a {$25.00} and {$2400.00} transaction from XXXX as I told the chime agent on the phone my XXXX  account is on my phone they could easily add money to the XXXX  account from my bank card I then again opened another dispute chime denied that dispute for {$2400.00} but approved the {$25.00} one although they were taken at the same time from the same merchant Ive filed XXXX  complaints, FDIC complaint and nothing then on XX/XX/XXXX I reported that money had been removed from my savings and put in my checking an hour later there was a {$2000.00} XXXX XXXX payment which all of these where unauthorized like I told the chime agent I never make a ton my account for more than {$400.00} I really need help I dont what else I can do Ive sent them screenshots of emails from XXXX and XXXX which they both confirmed that my phone was stolen and my accounts where hacked
Product: Checking or savings account

Dcb cashed a unauthorized check and will not return monies ( {$250.00} ) to our account. Said its in the hands a FlagStar who will not responde to us. Check cashed XXXX XXXX  and have made numerous attempts to settle this matter. Now our branch DCB XXXX, XXXX  will not answer my calls.
Product: Checking or savings account

I am filling a complain with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer.

Capital One has cited technical issues, which violate the Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concern about consumer protection laws, and I request your Aishwarya in investigating this matter to ensure my rights are upheld. Thank you
Product: Debt collection

This is an invalid account. I have never done any business with this company ; I have never been made aware or presented with a notice of debt to dispute the validity of this account. I have disputed this account several times and the company can never provide a contract and or repayment agreement in which I signed with them. This company was given my information illegally. Not only does this company report a balance for something unknown, the original creditor ( Exeter ) is also reporting a balance owed ( that actually is not because the vehicle was sold in an auction for more than what it was worth ). This creditor can not produce an itemized bill stating what this balance is for. I will not pay something if I don't know what it is for. The original account has been closed so it should no longer be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 an derogatory account was reported for the amount of XXXX. I am filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ) .I am in desperate need of this account being removed.
Product: Money transfer, virtual currency, or money service

There has been an ongoing issue, where I am unable to log into my account to access my funds. I can not seem to get in contact with Venmo regarding this issue. My login credentials are correct and still it is not working and they will not respond my inquiry.
Product: Student loan

I've called monthly to try and arrange payments and navient will not work with me. i dont have specific dates. now I am being sent to collections.
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. 
XXXX XXXX XXXX XXXX XXXX XXXX, and 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 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: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

American Express Serve card closed account XXXX XX/XX/20 Ive tried numerous of time from that to this date to receive my balance in check by mail due to them closing account and they refuse to ongoing problem for at least a year now Ive sent verified information and still nothing
Product: Checking or savings account

I was the victim of fraud and disputed several transactions with Cash App on XX/XX/XXXX. I have tried on countless occasions to communicate with the support team. After I initiated the disputes and went through the investigations process, I was sent an email letting me know that the disputes were resolved in my favor but access to my cash app account was restricted/deleted and cash app kept the funds that were supposed to come back to me. 

On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

On XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

XX/XX/XXXX at XXXX XXXX - {$300.00} withdrawal. 

XX/XX/XXXX at XXXX XXXX - {$100.00} withdrawal. 

On XX/XX/XXXX I got email from support letting me know they resolved the disputes in my favor. Email : XXXX XXXX, Your Cash Card dispute claim ( s ) was resolved in your favor and is now complete. A credit has been applied to your Cash App balance and is ready to use. 

We appreciate your patience throughout the dispute process. 

Cash App Support ref XXXX XXXXXXXX : ref I responded to that email immediately letting them know I could not access the account and after many many emails and I was never able to gain re entry to my account and my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting inaccurately and XXXX XXXX XXXX a debt on my account for a collection that is inaccurate. It also has incorrect information reporting. The amount is {$350.00} and {$700.00}. In accordance with the Fair Credit Reporting act 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 an 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 reporting or other personal consumer reports

This is a request in accordance 15 USC 1681i for the procedures that were used that led to the dispute I list below. 
I submitted my dispute via CFPB # XXXX on XX/XX/year> and I received a response from Trans Union XXXX XX/XX/year> stating that my dispute was verified on XX/XX/year>. Therefore, in accord with aforementioned law atop this communication. 
I am requesting specific information regarding my dispute this is not a request for general information regarding how you investigate the publics dispute. This is a request under 15 USC 1681i regarding specific information regarding my dispute CFPB # XXXX Submitted on XX/XX/year>. I am requesting the records that will reveal the specific procedures that were used that led to my dispute to be verified. I am also requesting in accord with 15 USC the name of the person ( s ) you spoke with along with their telephone number ( s ) and address and business name all in accord with 15 USC1681i. 
I understand that I should receive this information within 15 days or I have a right to sue Trans Union for {$1000.00}. 
I disputed according to the FCRA Trans Union is in violation firstly of 15 USC 1681b ( a ) ( 2 ) because i did not give your agency my CONSENT to furnish the account listed below : XXXX XXXX XXXX 
FCRA 602 statesI have a right to PRIVACY and FCRA 604 states a credit reporting agency can not furnish an account without INSTRUCTIONS from the consumer. 
I am also requesting EVERYTHING in my Trans Union credit file, please do not leave anything out. Please send me EVERYTHING and I mean everything in my credit file because it is my right as a protected consumer to request everything in my file according to the Fair Credit Reporting Act. 

Please send me the very specific information I am requesting under 15 USC 1681i regarding the procedures your agency used to verify along with the persons you spoke with along with their information in accord with 15 USC 1681i.My entire Trans Union XXXX XXXX everything in it that you have in it that pertains to me. And Delete XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My first issue is with Target ( Target Red Card ) I opened a card XX/XX/XXXX. I made my payments on XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX. 
I went to use my card at Target and it didnt work. I tried to call Target but was referred to a collection agency XXXX. At that point Target would not take my calls. I HAD to talk to the collection agency. I was horrified to find out that NONE of my payments were credited. I made my payments over the phone and received confirmation numbers. I WAS NOT NOTIFIED that my payments were not crediting. The collection agency told me that for the XXXX payment my account was frozen and the first 2 payments didnt credit because I didnt call my bank to give them a heads up? What? 
That conversation was XXXX at XXXX XXXX. 
The first person I spoke with told me that they dont take pre-paid debit cards. Again, no notice My second issue is with XXXX XXXX and my car payment. I had automatic withdrawals from my checking account set up and this last payment for XXXX was supposed to come out on XX/XX/XXXX ( due date is XXXX ) I was told that if I could set up my payments for the XXXX and I would not be making late payments. Then I call them because my paycheck does not go into my account until XXXX and I was told that not only would I have a 30 day late on my credit but every single payment I have made has been late! I am devastated. I have been working with XXXX XXXX XXXX since last year and they successfully brought my score up and in a matter of 10 days my credit score has dropped 97 points. I need help! These companies could care less. I cant even reach target at all, just the collection agency.
Product: Credit reporting or other personal consumer reports

Requested a XXXX XXXX XXXX XXXX ( XXXX ) regarding an inaccurate collection account that appears on my credit report. The account in question is being reported by XXXX XXXX XXXX XXXX at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The reported status of this account is inaccurate and unverifiable, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Additionally, parroting information provided by data furnishers without conducting an independent verification constitutes willful noncompliance, as upheld in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Pursuant to my rights under the FCRA ( 15 U.S.C. 1681i ), I am requesting : Complete and Itemized Media of Information on this account, including : The original signed agreement or contract. 
A full payment history and itemized breakdown of the alleged balance. 
Verification of your independent investigation into this accounts accuracy.

Immediate removal of this account from all three credit bureaus ( TransUnion, XXXX, and XXXX ) due to its inaccurate reporting. 
Failure to comply with this request will leave me with no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office. 
I expect a written response within XXXX days as required by law. If you require further information to complete this request, please contact me in writing at the address listed above.
Product: Debt collection

I 'm tired of XXXX, After several past complaints with you, after making payment arrangement receiving bill due XXXX 2016, On XXXX XXXX XXXX my car was a repossession, aside from all the headache of getting their XXXX over all this, while I 'm crying needing my daughters winter coats, they were transferring here there with. nasty unprofessional service. I guess this stuff is exciting to some anyway now I 'm billed almost XXXX amazing how I 'm targeted. Give me a break. Same company in XXXX. I explained my dog passed of XXXX, she said I need to get my finances in order. Please leave me rest. they got away already with enough. Greed and they come back from more
Product: Credit reporting or other personal consumer reports

I have contact this company about this dispute numerous of times I did not authorize these inquiries and they fail too removed them
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. 

XXXX5 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: Debt collection

I've made a payment to XXXX XXXX  on XX/XX/2021 in full to a past due account. It's been stated by numerous representatives at XXXX XXXX that is has been reported to National Recovery Agency 3 times and National recovery Agency is stating there is no record of any payments made and they are still reporting a negative balance on my account.
Product: Mortgage

I had to claim XXXX  XXXX just so Wells Fargo could not take my home. I am still in XXXX XXXX. They did modify me but my payment did not change. It was just a way for them to charge me all the late fees. I never got any settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received my recent credit report and the follo0wing hard inquiries have pulled my credit report without my consent or authorization I have tried to contact the below consumers and have not received an response or removal of fraud information from my report. 

unknown and nonconsent company credit pull : XXXX XXXX Santander Consumer UsaXXXX 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 you 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 block/remove these files. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX, TXXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX. ) XXXX, XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX 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.