23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2023. I went to Chase Bank and deposited XXXX  into my business account, of which I used {$5000.00} to pay my bills. 
On XX/XX/2023. I logged into my online account through my mobile phone to check my balance and it turns out that they made a Domestic Wire Transfer in the name of XXXX XXXX XXXX, who is a person I do not know and did not authorize this transfer. The other XXXX dollars said " Pending '' to be withdrawn as well. But I immediately called Chase Bank to tell me what was happening and why I had not received a notification before authorizing my money and only the XXXX dollars that they said were pending could be canceled because they had not yet left the account but the XXXX  dollars had already The transfer had been made without my permission or authorization. Since then I made the complaint but did not receive any response. I kept calling and they told me that the case was closed and that to reopen it I needed evidence and I went to the police and made the report which has been sent three times from the same Chase bank and still they did not give me a positive response. They don't tell me anything, they just say that I authorize that money and that's not the case. In my account I only had two cell phone numbers, mine and my daughter 's, and the person who hacked my account deleted my daughter 's number and put in a strange number that I don't know and from there they did everything until my account was online. It's blocked. 
I've been trying for months and now it's been a year already to get Chase Bank to respond to me and return my money and nothing. I have called many times and gone to the same branch for help and nothing. The solution I ask for is that the bank take responsibility and please give me my money back because this is not the first time that the bank has taken money from my accounts without my authorization.
Product: Credit reporting or other personal consumer reports

I been trying for years to get these collections off my report.i believe a data breach had occurred.i havent been able to obtain a apartment, credit card, gas, lights, phone, car, etc.. 
I have no contract or obligations with these creditors no legal documents or agreements with these companies or creditors please investigate because I dont think is was not properly investigated by experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, XXXX Balance : {$640.00} and {$1100.00} Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) Account Number : XXXX and XXXX Balance : {$1000.00} and {$140.00} Account Name : XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX Balance : {$590.00} This is a formal complaint against Equifax, XXXX, and XXXX located in XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ), XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX  ( XXXX ), XXXX XXXX XXXX XXXX, GA XXXX ( Equifax ) XXXX This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress Despite my efforts to resolve this unfortunate nightmare for several months now, these three credit bureaus have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business.
Product: Credit reporting, credit repair services, 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 bureausmust check these inquiries ( A ). It is unacceptable to list these inquiries as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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
Product: Vehicle loan or lease

From the start of the contract the information provided to the creditor was wrong. They had my name down as the person responsible for the contract but the vehicle did not belong to me. I was the co-signer. Once the car was repossessed I contacted the creditor ( vw ) to request information about the contract before the vehicle went up for auction. I gave them my correct contact information and even called a few times after speaking with them asking why I had not received any information about the vehicle and explained to them that under the laws in the state of Alabama I along with the original person who purchased the vehicle had the right to be contacted first to have a chance to buy back the vehicle in which vw failed to do so. I didn't receive anything from them until XXXX of XXXX XXXX about the vehicle at that point the vehicle had already been sold at auction. Now inaccurate reporting is being done on my credit report for this account. It says the account has been paid off at 100 % but still shows a high balance of XXXX. It does not show anything about the vehicle being sold or a new amount that's owed after the resale of the vehicle. My FCRA rights have been violated on so many levels from this account alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion denied me from getting my credit report after answering the verification questions correctly. I answered similar questions for the other credit reporting agencies and was able to to view my credit report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed inquiries to be blocked and deleted company information from TransUnion. 

Please delete the following inquiries : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year>
Product: Checking or savings account

On XX/XX/2019 I attempted to deposit a check into a Bank of America ATM that malfunctioned.  The willful failure of Bank of America to respond appropriately resulted in submission of CFPB complaint XXXX    on XX/XX/2019.Bank of America continued to refuse to respond appropriately in an attempt to prevent documentation of the matter; this willful failure of Bank of America to respond appropriately resulted in submission of CFPB complaint XXXX on XX/XX/2019.Bank of America continued to refuse to respond resulting in submission of CFPB complaint XXXX on XX/XX/2019.  Bank of America notified CFPB that he needed more time to respond to complaint XXXX (dealing with the apparent policy of Bank of America to prevent documentation of discrepancies) and on Wednesday, XX/XX/2019 yet another unintelligible message was left on my answering machine.  On that same date Bank of America also notified CFPB that it needed more time to respond to complaint XX/XX/1907.  Subsequently, there have been two more unintelligible messages left on my answering machine.  Bank of America became aware of its malfunctioning ATM on XX/XX/2019 and has spent:	1.	Over two months engaging in willful subterfuge, violating its own internal procedures in the process in an effort to evade culpability; and	2.	Over one month in continuous duplicitous attempts to avoid written documentation of its willful negligence and incompetence.Bank of America epitomizes the reason CFPB should receive increased regulatory authority.  It is abundantly clear that Bank of America believes its policies supersede current laws, rules, or standards.
Product: Checking or savings account

On XXXX I lost my Debit card. I last used my card at XXXX XXXX XXXX XXXX earlier that same day ( {$4.00} ). I realized I lost my card later that evening when I arrived home. I called customer service to order a new card. I then became aware of 3 unauthorized transactions that had been done while my card was lost. Those transactions actions were XXXX XXXX XXXX {$2000.00}, XXXX XXXX XXXX {$820.00} and XXXX {$86.00}. I was told I would have to wait a few days until the transactions " Posted '' to the account before I would be able to file a dispute. I filed a dispute on XXXX  Dispute # XXXX. On XXXX/XXXX/23 I was informed by the bank that my Dispute was denied. How could they investigate my dispute in less than 24 hours? I'm very hurt and offended. I'm XXXX XXXX XXXX and live on a fixed income. I have made several calls and attempts to rectify this situation. The bank still refuses to credit my account due to this fraud. will you please help me?
Product: Credit reporting or other personal consumer reports

Cease Unauthorized Inquires and Rectify Violation.
Product: Credit card

I've always made sure that payments on this account are timely, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, corrections should be made.
Product: Debt collection

Accounts : Capital One amt. claimed to be owed {$340.00}. XXXX XXXX XXXX amt. claimed to be owed {$400.00} I have sent 4 rounds of dispute letters to the 3 credit bureau 's. Starting in XXXX XXXX and the latest one was sent in XXXX of XXXX. After the 3rd round of letters, XXXX has been the only bureau to remove these 2 accounts mentioned above. The following was stated in my letters to XXXX and XXXX : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately.

XXXX has responded to the 4th round of letters and have not provided verifiable proof as I requested. They also stated that they will no longer dispute these accounts again. Unverified accounts remain on my credit report. XXXX has not yet responded.
Product: Credit reporting or other personal consumer reports

This letter serves as formal notice regarding your failure to comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the information related to XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/2023 appearing on my credit report is inaccurate, unverifiable, or incomplete. 

I submitted a dispute regarding this item to XXXX XXXX Equifax. 
To date, you have either failed to : - Respond within the 30-day investigation period as required under FCRA Section 611. 
- Provide sufficient documentation verifying the accuracy of the account, or Correct or remove the inaccurate information from my credit report. 

Your actions ( or lack thereof ) are in direct violation of the FCRA and have resulted in harm to my credit profile, financial standing, and peace of mind. 

To resolve this matter amicably and avoid further escalation, I demand the following actions be taken immediately : 1. removal of the inaccurate account from my credit report. 

You are required to respond to this letter within 15 days of receipt. 

Failure to comply with this request will leave me no choice but to pursue legal action. I will seek remedies available under the FCRA, including statutory damages, legal fees, and court costs.
Product: Student loan

Per Great Lakes, my account was put on hold for an audit by the Department of Education on XX/XX/XXXX and after the audit was complete, I now have new principal balances. A Great Lakes employee stated the reason this audit was done was to reassess the way the interest was capitalized in XX/XX/XXXX creating these new principal balances and that the Dept. of Education are able to do this at any time. 
The principal balance on one of my unsubsidized loans with the highest interest rate and the highest balance increased by {$760.00} while a few of my lower interest loans with lower balances decreased. I am now paying more in interest than I was before the audit due to this adjustment. 
The overall total principal balance of all my loans increased by {$200.00} and I am not sure how the Dept. of Education is allowed to readjust my balances at will.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Mortgage

We were approved for a short sale and began the process. On XXXX XXXX, 2016 we accepted an offer for amount the bank appraisal came back for. It is now XXXX XXXX 2016 and we still have no resolution. I spoke with the Bank negotiator on the phone XXXX/XXXX/16 and was told the XXXX they had received was good but the date needed to be pushed out by 30 days. I was promised that if they got the XXXX with the correct date they already had everything else they needed and the file would be submitted to the credit officer by the end of the week. The XXXX was submitted the next day. I called and left a message for the negotiater to let them know it was equator. Now we have been told the purchase agreement has expired and we have to resubmit documents, which is contrary to what I was told on the phone. We continue to have to resubmit the exactly same documents and have no resolutions.
Product: Credit reporting

This account has been on my credit report since 2009, pass the 7 year period, I have tried to dispute it several times to have it removed but experian wont allow me to dispute.
Product: Bank account or service

In XXXX XXXX I found out that more than {$16000.00} had been transferred to my sons ' linked accounts from my Checking account. It had happened over more than 3 months starting in XXXX XXXX. USAA said that since the money was moved into both sons ' accounts that this was my problem to sort out with my sons. They sent me a form letter stating that they closed the investigation. But they did not provide me with an answer to how such a sum of money was moved from my account to my sons ' account without my PIN number on so many transactions over that time. I had changed my PIN several times because of difficulty I was having accessing the account online. They said they would elevate the complaint about 2 weeks ago and that they would be back to me in 3 days but I have heard nothing since. Please help.
Product: Credit reporting or other personal consumer reports

I have disputed this debt both directly with the credit bureaus and with the company regarding the inaccurate, incomplete, and unverifiable information being reported. This misinformation is **severely impacting my credit score** and affecting my **financial well-being**, making it difficult for me to secure housing. 

Despite my repeated requests, the company has denied the following actions : XXXX. Updating the information with all credit bureaus to reflect the accurate payment history and account status. 
2. Provide written confirmation once the verification and correction process is completed.

3. Ceasing further collection activity*and refraining from transferring this account to any collection agency until the dispute is fully resolved.

4. Provide validation of the debt, which I previously requested on XX/XX/year>, via email at XXXX. 

I am again requesting that these issues be addressed promptly in compliance with the Fair Credit Reporting Act ( FCRA ) and all applicable consumer protection laws. 
Despite my requests, the company is forwarding the debt to a third-party collection agency, which will further impact my credit score due to their failure to properly investigate this matter and update my credit report with accurate information as required by law.
Product: Vehicle loan or lease

I had an auto loan with Coastal Credit. The car was repossessed in XX/XX/2019 and still has not been sold. I talked with XXXX, the account representative who is handling the account and he said that they haven't been able to auction the car due to titling issues in my state. Despite not selling the car, Coastal Credit has harassed me and all of my listed references about this account. They have shared personal information and are acting very unprofessionally. In addition, they have been using the XX/XX/XXXX XXXX XXXX system to habitually check my employment every week. Somehow, they managed to get my work email address, which I did not give them as I just started this job, and have sent me harassing emails threatening to sue me and garnish my wages, despite not selling the vehicle. I considered settling on the account because XXXX told me that once they sold the car they would refund me what I overpaid, but considering their shady practices thus far, I don't feel confident that they would be fair and give me what's owed once the vehicle is sold.I have no problem with paying my balance, however, I am requesting that this company sells the car, as they are required to do, and let me know what my final balance is. Then, I will settle my account. In the meantime, I ask that they only communicate with me in writing and stop harassing me at my workplace, and via my references.
Product: Checking or savings account

My payroll direct deposit was sent to my Netspend Skylight One payroll checking account but because the transfer amount exceeded their limit, they insisted that I furnish a letter from my payroll dept indicating proof of deposit by XXXX or they would reject the transfer and hold my funds for 6 days. It was sent 4 times by my employer throughout the day and 4 times by me. They claimed to only have received at XXXX and indicated everything was good and that the funds would be released within 4-6 hours. 4 hours later I got an email that they rejected my transfer and that it wouldnt go back to my employer for 6 days. I called 18 times throughout the day and only TWICE was I actually connected to a rep. Once at XXXX and once at XXXX. Every time I would call, the automated system would tell me to try back later. My wife is not working and we need this money to pay bills or we will have late fees. Netspend creates obstacles that were impossible to overcome and will now hold my entire paycheck until the middle of next week. They told me I had until XXXX XXXX  CST to call and get this resolved ( letter was sent at XXXX CST ) however they stop taking calls at XXXX.
Product: Checking or savings account

I went to the merchant about unexplained charges on my account, they then told me to needed to file a dispute with my bank so I did. The dispute charges was denied and reversed from my account, and of course Im livid because I didnt authorize these charges. When unexpected charges or any suspicious, I signed up for text alerts. One time they did it, I said no, it was not me attempting to use my card and they still let the charge go through. I filed for the amounts of : XXXX, XXXX, XXXX, XXXX, XXXX. I want my funds back into my account immediately! Ive heard and saw negative things about how easy someone can just use your card and the customer have to suffer!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is 100 % completely closed out I paid the whole amount this account has been closed for over a year and it still showing open even after I have disputed it off of my credit report needs to be fixed ASAP this is in accurate and is creating problems on my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT A scam of a Fraud agency by the name of XXXX XXXX has been posted their frivolous information on my report from Transunion credit bureau, I have sent prior complaints to Transunion, I haven't got any positive response. I never had any contracts made with this XXXX  XXXX scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, Trans Union and to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam Transunion with a Federal Lawsuit and huge Punitive charges and damages to my credit.
Product: Bank account or service

Discover Bank has restricted access to funds on in my account through my debit card. I am unable now to use my debit card for any credit transaction. All credit transaction are being run as " high risk ''. Discover has given very vague explanations as to what they qualify as high risk and why companies are flagged. They have enacted a security system on their card that they state vendors are behing on that requires additional information to be pulled from the card including the pin number. Yet they can not explain what vendors follow these " rules '' I have tried multiple vendors and it was rejected at all of them including XXXX which has some of the highest encryption levels. They are stating that as long as you type in the CVC code number on the back of the card it will work and this is incorrect. Each merchant has requested the CVC code and each time the card is blocked. The only solution they can offer is to call them every time I want to use my card to get a 15 minute window. They reject companies that have my full account number and do ACH transactions but those same companies as flagged as high risk when used with my debit card as a credit card
Product: Credit card

credit card went to collections, and that company calls my house constantly even though I 've told them I can not pay