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

A towing company fraudulently charged my debit card on XX/XX/XXXX for {$310.00}. I immediately reported the transaction to Chase Fraud Department the next day and after several hours, Chase agreed to Refund my money. They said they would call me if they had anymore questions for me or if they needed to update my claim status. However, over 3 weeks later on XX/XX/XXXX, Chase took and reverse {$310.00} claim from my savings account. I called them right away. Chase made no attempt to notify me of losing access to these funds, and I even faced linguistic discrimination based on how I speak English : one representative demanded I use a translator. 

They claim that " because the thief used my card in-person, there was nothing that they would do to refund me my money. '' This violates Chase 's promise of zero fraud liability and it violates federal protections of consumers. 

The recourse I need is to have the {$310.00} returned to my account promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times about fraudulent accounts and information on my credit report due to me being a victim of identity theft. They have not acted in compliance to the Fair credit reporting act 605 b which sates that any fraudulent information resulting from fraud should be blocked and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Dispute is geared towards the five credit reporting agencies, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX. These companies are in the business of running criminal enterprises. XXXX and XXXX is in the business of selling personal and private information to XXXX, Equifax, and XXXX for commercial purposes. These companies share unverified and fraudulent non public information with non affiliated third parties without the consent of consumers as made into law by congress ... XXXX and XXXX are illegally gathering information and selling it to the 3 major reporting agencies without the consent of the consumer which is a federal violation ... All of the companies are committing racketeering and need to be punished by law. 
All of these companies are reporting an alleged public record with my name attached to it and need to delete it immediately. I've given no consent for any of these companies to have and/or share any alleged information about myself. This not only is a violation of my privacy but also many other violations in the FCRA and The Gramm Leach Bliley Act. If this situation is not corrected immediately, I will not hesitate to get this rectified in FEDERAL COURT
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX Date XXXX Account Number XXXX Reason for dispute__IDENTITY THEFT Account Amount XXXX
Product: Debt collection

O n    XXXX   XXXX    ,2017   I  sent  NCC Business Services a  pay for delete letter and a {$50.00} check to have the record removed f rom all    XXXX   credit reports upon cashing the check. NCC is attempting to collect a debt that was previously handled.
Product: Credit card or prepaid card

XXXX XXXX XXXX card issued by XXXX Bank. I paid my balance in full and closed the card. Now they are hitting me with phony late charges and the account is still open.
Product: Mortgage

On XXXX I applied for refinancing of my home, all documents summited and loan were approved and locked, ready to deliver the loan, and instead I received email on XXXX XXXX that says " despite of approval and locking the loan, I am not qualified for the loan. '' That horrible statement delivered to me after I complained to CEO about unprofessional and unethical behavior of some of the employees inside the company got involve with me.
Product: Checking or savings account

I was doing some work for a friend and he owed me {$500.00}. We both was out of town. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I needed money for formula, diapers and travelers fee so he sent me the money and pay me through an invoice And because they thought it was suspicious. They close my account which has the funds in it told me that I would have to wait 90 days before they release my phones no matter what I sent the right appropriate paperwork and the information that they were asking for and they still would not let me talk to the investigation or affairs board
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose 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 suppose 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 or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not completed their investigation and I have not received the results 1. The following account is not mine XXXX XXXX   XXXX Please remove it from my credit report. Reported in XX/XX/2020 2. The following account is not mine USBK COURT Reported in XX/XX/2020 Account Number : XXXX Please remove it from my credit report. 
3. The following account is not mine XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
4.The following account is not mine XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
5.The following account has never been late XXXX   XXXX XX/XX/2020 reported Please remove late history from my credit report XX/XX/2020 6.The following account is not mine reported XX/XX/2020 XXXX XXXXXXXX XXXX  XXXX please remove it from my credit report. 
7. The following account is not mine XXXX XXXX XXXXThe following account is not mine.Please remove it from my credit report. Reported XX/XX/2020 8. The following account is not mine Reported XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 Please remove it from my credit report. 
9. The following account is not mine reported XX/XX/2020 XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I the consumer was notified by Transunion that XXXX XXXX XXXX pulled my credit report from Transunion. I had no knowledge that my personal identifying information was provided to XXXX XXXX XXXX and I did not initiate or consent for an application to be submitted to this bank. I contacted XXXX XXXX XXXX only to be ignored and disregarded regarding this matter. I then received an adverse action letter On XX/XX/year> from bank denying the application. This is unauthorized use as I did not receive any benefit from this.
Product: Checking or savings account

I transferred my paycheck from my discover account to my XXXX XXXX for convenience after fees for XXXX were taken out. After a XXXX balance, I borrowed {$150.00} more from XXXX app and it shows as being deposited in to my account but never reflected on my balance. I reached out to XXXX and it wasnt their fault. I reached out to my bank on multiple occasions and was told many different things and now they are refusing to investigate where my money is, give a refund or anything
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
Product: Debt collection

I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
Product: Student loan

On XX/XX/2024 I received a letter from MOHELA informing me : " MOHELA has Completed its Loan Servicing Platform Transition for My Student Loans effective XX/XX/2024. 

I called a MOHELA representative on XX/XX/2024 regarding the {$3000.00} student loan payment that I paid on the MOHELA platform on XX/XX/2024. I informed the representative that my {$3000.00} payment on MOHELA was not reflecting on my current balance. The representative informed me on XX/XX/XXXX that my {$3000.00} payment would reflect within 30 days. She stated that it would take 30 days for the payment to transition from MOHELA onto the new mohela.studentaid.gov platform. 

Unfortunately, after 30 days this payment still failed to reflect in my current balance. I called again on XX/XX/2024 to speak with a MOHELA manager. The manager stated that they were able to see my {$3000.00} payment made on XX/XX/2024 but that it was " stuck '' on the old MOHELA platform and had not yet transferred. I was given the case number ( XXXX ) and asked to call back on XX/XX/XXXX if they payment was still not reflecting by then. 

I called MOHELA back on XX/XX/2024 as instructed and spoke with another representative. This representative stated that the payment would process after 90 days instead of the initial 30 days I was originally informed. 

It is now XX/XX/2024, approximately 7 months past my original XX/XX/2024 payment. My {$3000.00} payment is still NOT reflecting in my student loan balance. To add insult to injury I received an email today on XX/XX/2024 informing me that interest will continue to accrue while in forbearance and that I can continue to make payments. Interest is now accruing on an inaccurate balance.
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 Financial Protection Act. 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 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 spoke with my XXXX XXXX account rep, and was asked several security questions to confirm my identity. The questions were about a car loan and a student loan that were opened this year. I have not opened any loans. I am actually living in XXXX for the last 5 years, my company XXXX, transferred me to their XXXX XXXX office. 

The XXXX XXXX rep told me to get a copy of my credit report, so that I could answer the questions. When I tried freecreditreport.com, neither Experian, XXXX, nor XXXX were able to give me the report. I have screen grabs of what the messages were and can attach. 

I tried calling all three agencies, but could not get past the phone menus to speak with a person for support. I called the Consumer Financial Protection Bureau at XXXX and they recommended that I file this complaint. 

I have a grave concern that my identify has been stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card company agreed to delete the account from my credit report, but i have waited more than a year and is still not deleted. We agreed to do pay to delete so i don't know why is still shows on my account. 

I have disputed this issue with all credit credit bureau but nothing is solve.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( Block , inc ) due to inadequate customer services and unfair practices, which violate the consumer financial 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfer act. ( EFTA ) and regulations E. These actions have caused significant in convenience and financial loss and I seek appropriate redress for violations.
Product: Debt collection

On XX/XX/year>2024 XXXX XXXX took me to court for amounts owed. The XXXX ruled against them stating I owed less due to proof I shied to the XXXX. The collection department and XXXX XXXX  are not honoring what the XXXX of XXXX XXXX ordered I should pay. When I contacted the collection department to start paying, they stated I owe more. I have documentation from the XXXX of his ruling which is court binding.
Product: Checking or savings account

My family members aswell as the people involved in a XXXX XXXX lawsuit filed and won by me for the death of my wife in a car accident aswell as being related with situation that I was XXXX for for 15 years and discharged, has been stealing my identity and committing fraud in my life with financial accounts and it involves multiple accounts and transactions pertaining to false arrest warrants for me being served and resubmitted aswell as mortgage fraud in my credentials and life policies that were to come to me being adjusted illegally and fraudulent transactions made to cash value in and it all shows up on my consumer report and I have filed with irs and all committed companies but need assistance in furthering things to do in order to bring this to justice because they are stealing my financial assistance from government, filed student loans in my name and received the money for them already and this should be on upcoming credit accounts and I need a full reversal of all transactions that have been made that have not been me
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 Financial 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 resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I have submitted 4 disputes to TDF financial since XX/XX/2020, I have not received a single response. I requested a debt validation, sent a dispute asking for the contract showing this belonged to me, submitted another dispute saying they did not respond and they need to delete the debt.

The company has not responded to any of my disputes, therefore this account is required to be deleted from my credit report. They had 30 days to validate the debt or delete it, they failed to respond and they are failing to follow the law. They also failed to list the account as " in dispute '' on the credit report, which is another legal violation.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS OUTDATED : XXXX ACCOUNT NO. XXXX BALANCE : {$25000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, MoneyLion notified me that they are discontinuing cryptocurrency accounts and will force liquidation of all holdings by XX/XX/year>. I requested alternatives, such as the ability to transfer assets to an external wallet, as permitted by the custodial terms in the XXXX XXXX  XXXX  XXXX. Despite multiple attempts, MoneyLion has not responded, leaving me with no choice but to face forced liquidation, which creates a taxable event and financial harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts on my consumer credit reports every thirty days since XX/XX/2018. I have requested verification and each time they respond verified ; I have requested method of verification and each time they respond with verified ; I contacted each account, and each business has responded by stating their records do not indicate any dispute and/or investigation from any credit bureau has ever taken place ; ignoring and/or overlooking each of my requests and unable and/or unwilling to comply with consumer rights and Federal Law.
Product: Mortgage

I fell behind on my mortgage because my mortgage company gave me an adjustable payment which increased my payment from about {$18000.00} to {$28000.00} overnight. I hired an attorney to help me apply for assistance and they have submitted my application to Nationstar who is now called Mr. Cooper. Mr. Cooper states the only reason they can not modify my mortgage is because the owner of my loan says if they modify it the total payment must drop. My attorney appealed this decision and they mailed back paperwork showing the proposed modified payment and it is only a couple hundred dollars higher than my current payment. This rule makes no sense. My old payment was {$18000.00} and overnight my payment went up to {$28000.00}. And now my servicer is saying the only reason they will foreclose my home is because if they modified it the payment would go up by a couple hundred dollars per month. My servicer states the owner of the loan also will not extend my maturity date. They say they will not offer any more interest only options. My attorney has requested the servicer contact the owner of the loan and ask for one exception on any of these possible fixes and the servicer thus far has refused to do so. My attorney believes the servicer has an obligation to contact the owner of the loan to ask for any of these exceptions. To merely foreclose my home due to a technicality which makes no sense after basically purposely putting me into a loan which they knew would balloon out of control ( $ XXXX to $ XXXX payment increase ) seems fraudulent and purposeful. Anyone looking at this much of an increase who has common sense can see this is not right.
Product: Credit reporting or other personal consumer reports

Experian reports show multiple names that are incorrect. I tried disputing with no results
Product: Debt collection

On XX/XX/XXXX, they called me at XXXX XXXX at XXXX. I do not owe them. I filed bankruptcy in XX/XX/XXXX. They keep trying to call me and have not picked up their equipment.