23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and Caliber homes loans were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's for the same loan. I disputed the both to lines of negative lines to all 3 Credit Agencies on XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. They will not remove either line off my credit report. I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unknowingly charged {$32.00} when I signed up for a TransUnion account. After creating an account with them they automatically used my credit card that I entered for the sign up process and charged me for a subscription service with them. I never got an invoice, or a bill, or a confirmation email that I have subscribed for the service. Furthermore, they have sent me multiple emails telling me to sign up for a service that they have already secretly signed me up for. For example, they have sent me emails which state, " Complete your TransUnion Credit Monitoring order now and instantly gain 24/7 access, daily refreshes and alerts to critical credit report changes.

" this implies that I have not subscribed to their credit service when, in reality, they have signed me up already. This has been going on for multiple years, and have already been sued in 2017 for continuing to employ deceptive sales and marketing tactics by the Consumer Financial Protection Bureau. However, they have not changed their practices and still rely on deceptive sales and marketing tactics to deceive new users to falling prey to their subscription service. I have tried to get a refund on the subscription however, the representative would not let me get a refund. Moreover, I never got access to the services I unknowingly paid for either because it required more verification to access. When logging into the account I created there is no indication that I have subscribed to the service, and when attempting to access my credit report it prompted that I was not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

law In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. 

These accounts listed below are furnishing complete inaccurate information. 

As per the request from your organization I am facilitating the account names of all the inaccuracies listed on my consumer report that needs to be removed under federal law : 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 Those account listed are reporting on my consumer report and I have no contractual agreement nor account with any of these companies and I request that these accounts be removed from my consumer report immediately.
Product: Checking or savings account

I have been a Chase Bank for more than 10 years for both business and personal. All XXXX of my children have accounts at Chase including my business and personal account. 2 of the last 3 times we have deposited {$500.00} in cash to the ATM machine at the bank, the machine has had problems with the deposit and failed to complete the deposit and failed to return the money. When I filed a complaint, they provided a credit but then took the credit away citing the deposit was never made. I went to the branch and complained and had the police come and file an incident. I then called the fraud department who handles this type of thing and they refused to accept the video and picture evidence of my deposit and said they will not use the ATM camera security footage to verify that I made the deposit. They told me that I would have to hire an attorney and file a lawsuit and subpoena the footage. Last Thursday I called the branch manager and told him I was really dissatisfied with the service provided by chase and that I would be closing my accounts. The next day Chase with no warning and for no reason closed all of my accounts preventing myself from running my business, my wife who is XXXX and XXXX kids from getting gas, pay bills, or pay for medical expenses.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i reached out to XXXXXXXX XXXX XXXX company and they communicated back they would stop trying to collect the alleged debt and was going to remove the tradeline and it has been 30 days since that response and its still reporting on my credit report as you can see in the document provided
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2022 to XX/XX/2022 Crypto.com detected suspicious transactions to my account and froze/suspended/locked my account. As it turns out I was the victim of a online hack and scam. Please see CFPB complaint # XXXX. After working with my financial institution and XXXX it was determined that all transactions on XXXX was unauthorized. However the funds was lost. My bank had stopped 3 of the transactions made to Crypto.Com. They allowed a 4th transaction to proceed before doing their investigation and later reversed this transaction. Upon this action by my bank Crypto.Com became irrate and demanded that my bank produced a letter demanding that they close the investigation. Which my bank did provide. Then Crypto.Com demanded that my bank produce a letter stating that the investigation had been cancelled and no further action would be taken. Crypto.Com has refused to unlock or unsuspend my account since XX/XX/XXXX until they receive the letter. My bank has told me over and over that the letter issued is their only requied response. Crypto.Com is not happy with this response and continue to hold my funds and my account hostage knowing very well this investigation by my bank is closed. Crypto.Com does not make available the transcript of our back and forth communication by locking the support screen from screenshot. It is my complete feeling that Crypto.Com is seeking to punish me for having the hacked unauthorized transactions stopped and reversed. I can not provide any documents of the communication because of Crypto.Com policy on screenshot. However I have attached an email of our earlier conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have a few concerns Based on : 15 U.S. Code 1681 3 ( a ) ( b ) ( c ) Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; XXXX XXXX Original creditor : XXXX XXXX XXXX Account number:XXXX Date opened : XX/XX/XXXX Account type : Collection XXXX. XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
Account number XXXX Date opened : XX/XX/XXXX Account type : Collection Please delete these items as soon as possible! 
Also XXXX has stated that they dont have any information furnished to my credit report and if this is the case then these are not my accounts. 

XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX Account number XXXX XXXXDEPT OF ED Account number:XXXX XXXX XXXX Account number : XXXX XXXX I need more clarity as the reports with the three credit bureaus does not make sense.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting

XXXX was and has been paid off. However, they apparently sold my account to Portfolio Recovery Associations ( XXXX XXXX XXXX. I filed a dispute and last year XXXX/XXXX/14 received a letter stating a PRA filed a XXXX XXXX Form electronically to delete this account on my ALL AGENCIES credit reports. To date it HAS not been done. RE XXXX XXXX It STILL is showing as a charge-off under XXXX and A COLLECTION ACCOUNT on PRA.
Product: Money transfer, virtual currency, or money service

I was having financial trouble and a loan company placed a levy on my PayPal Account. Once I paid the loan company off, their attorney and I have made several attempts to have my PayPal account freed of any restrictions or limitations. We both have provided copies of the attorney 's statement to release the levy ; we have done this TWICE! PayPal has still refused to acknowledge it. The attorney, XXXX XXXX, has has tried calling the PayPal legal department on different occasions and can not get through or a return call. i have money in my PayPal account that I can not access, as well as I need to access other things with it. I have went through the Resolution Center so many times and each time I get someone who gives me a phone number to call to resolve the issue. That phone number is for XXXX XXXX, the attorney who is trying to get them to abide by his release, it's not even with PayPal! They also refused to email me a transcript of the messages. They don't listen, and I am frustrated!!! Please help! 

Thank you, XXXX XXXX XXXX PayPal username : XXXX XXXX : XXXX
Product: Credit card

I submitted a transfer of XXXX Capital One points from my Venture X account to XXXX XXXX XXXX XXXX XXXX  program on XX/XX/2023. Point transfers are typically instantaneous. However, the points did not arrive into my XXXX XXXX account ( XXXX ). 

XXXX XXXX claims they have no record of a transfer from Capital One. 

When I phoned to inquire, Capital One claims that the points were transferred as requested.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against TD BANK, N.A regarding the violation of my right to open a trust account and the withholding of my intangible property. 

On XX/XX/2023, I attempted to open a trust account at TD BANK, NA. However, the bank refused to allow me to open the account, citing reasons that were not grounded in any legitimate banking regulations or policies. I believe that the bank 's refusal to open the account was a violation of my right to access financial services and create a trust to manage my financial affairs. 

Furthermore, I had previously deposited intangible property, including intellectual property, with TD BANK , N.A . Despite the fact that I am the rightful owner of these assets, the bank has refused to release them to me. This withholding of my property is also a violation of my rights as a consumer and is causing me significant financial harm. 

I have attempted to resolve this issue with the bank directly, but they have been unresponsive to my requests. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

I request that the CFPB investigate this matter and take appropriate action to ensure that TD BANK, N.A complies with all applicable banking regulations and returns my intangible property to me. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I requested a balance transfer of {$5000.00} from my citi credit card to my XXXX credit card on XXXX XX/XX/XXXX XXXX I never got the money. I opened multiple disputes in either side ( Citi and XXXX ). Citi bank said they would investigate the case and all I get is a receipt saying XXXX had received the money. XXXX also said they would start an investigation, then XXXX requested me a transmittal form from citi with the account number where the money was sent. Citi refuse to disclose the information and all I keep getting from them is the recipient with customer Id and tracking number. XXXX says those information werent sufficient to conclude the investigation. It is been 4 months that the back and forth has been going on, and I still dont have the money.
Product: Debt collection

Hello I am the co-signer to the loan in question, my daughter XXXX XXXX was the recipient. 
Loan to Learn/EDUCAP locked us out of our account more than ten years ago, and I no longer have any record of my trying to contact them back then. Sent them another certified letter on XX/XX/20, and do not expect a response. 
Would like to get the loan resolved and off our credit histories, and if you folks could help, that would be great. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are violating my rights not obeying the laws in place by the fair credit reporting act. Ive sent XXXX, XXXX and Equifax certified mail 3 times XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining i have not had a proper investigation performed and how they are violating the fair credit reporting act. These consumer report agencies are in violation. 


According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission.

According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 a person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to consumer to any consumer reporting agency If ( i ) the person has been notified by the consumer, at the address, specified by the person for such notices, that specific information is it accurate; and ( ii ) the information is, in fact, inaccurate. 

They also didnt even record the current status of the disputed information which is another violation. 

I can go on and on. 

The credit bureaus have no respect for the laws. 

Somebody needs to be held accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019 According the 15 usc 1681 ( a ) ( 4 ). There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also, 15 usc 1681b ( a ) ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. No written instructions were given. 
XXXX, XXXX, Equifax and XXXX XXXX have egregiously violated my rights to privacy and as a consumer and Permissible purposes of consumer reports. I demand that these be removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$1.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Bankruptcy XXXX XXXX  XXXX Date Filed XX/XX/ XXXX XXXX
Product: Credit card or prepaid card

Chase Ban k USA N.A.  has made credit inquiries against my account o n 4 diffe rent dates and has opened an  AMAZON.COM Visa Signature credit card in my name, on the last credit pull, I was sent a letter stating they received an ap plication and needed more information about my income and financial obligations to make a decision.     The dates my credit were pulled are :  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX  I contacted  Chase  at the number provided on the letters and/or credit card sent and notified them that this was not a valid application.     On the first  three  dates  XXXX   XXXX  -  XXXX   XXXX ,  Chase  recorded a fraud investigation and determined that the application was fraudulent but would not tell me where the application came from, I notified my credit bureau 's each time. I requested each time that my name be included as having fraudulent activity request and to be excluded from any credit inquiries and was assured they had marked these as fraudulent.     I am in the process of contacting  Chase  for the last letter received from the  XXXX   XXXX ,  XXXX  inquiry.     I feel that  Chase  is knowingly and unethically phishing for customer accounts by using existing information they have about their customers to obtain new accounts.     I have had a  Chase   Freedom  card for over 3 years and feel that my information was obtained from my existing account.     I want to determine how I can stop this activity without having to freeze my credit in which there is a fee to freeze and unfreeze my account. This has also caused unnecessary activity on my credit reports.     Chase should stop this " phishing '' activity, it is obvious they are using existing customer information as it has been determined that the information was not an external request for credit.     My credit accounts have been marked with fraudulent activity from Chase but somehow they are still able to pull my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting on my experience report this account is in regards to identity theft. I cant even get anyone on the phone to verify my identity I have sent in paperwork with no return of information. Please request them to validate this account
Product: Credit card or prepaid card

I opened a Secured Credit card with Discover Card with a {$1000.00} security deposit on approximately XX/XX/XXXX On approximately XX/XX/XXXX, I called Discover to close my Secured Credit Card Account and requested the return of my security deposit. I was read the disclosures for account closure which I accepted. Then I discarded my card as I believed the account was closed. 

On XX/XX/XXXX, I received an email and text notification of possible fraud detection on the account and to contact customer support. Speaking with the agent, I was informed my account was not closed by the previous Supervisor I spoke with and there have been charges on the account. I opened a fraud investigation and then my account was finally closed. 

I am now in the process of waiting to receive the security deposit refund which the terms of the Cardmember Agreement state, You should receive your deposit refund within two billing cycles plus 10 days. 

Since I closed the account on approximately XX/XX/XXXX, the billing cycle closes XX/XX/XXXX and the next would be XX/XX/XXXX. In theory, I should have received the refund on or around the 1st week of XXXX. Discover is now stating that since their system shows the account is closed in XXXX, the earliest I will receive the refund is XXXX. 

I simply want to hold Discover to their own Cardmember Agreement. I find it unfair that they can pick whichever date they want despite the fact I closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax locked my account on or about XX/XX/2019. For one week I was not able to access my credit report through the Equifax consumer plan subscription. I contacted Equifax and they advised that I needed to send information to recover my credit file. I faxed the information and waited for one week. I contacted Equifax and they would not confirm if they received the fax or not. So I faxed the information again. After calling them again they advised that I would receive something in the mail in about thirty days. I have yet to receive any information from Equifax via the mail. During the same time frame, I've requested on two occasions for a copy of my credit report to be mailed to me, I have yet to receive the reports. I now have access to my credit report through my Equifax subscription however the information is not accurate. They have added files that were previously removed and that do not belong to me and they have deleted about ninety-five percent of my accounts. I have been without my credit report for over thirty days. This is unacceptable! Please find attached a copy of a credit report prior to the Equifax destroying my file and a credit report after I sent the information to recover my file. This type of behavior has been consistent with Equifax over the last five or so years with my file.