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

In XXXX I deposited XXXXXXXX XXXX via check to my citizens personal account, the funds became available but my account locked.After 60 days they sent out a cashiers check, I never received it, I was able to get another cashier check because the first one, I deposited into my personal XXXXXXXX XXXX account, they end my relationship because of suspected fraud.Citizens bank says the check has been paid but XXXX XXXX is not giving me my funds because it's suspected fraud.Citizen bank sent me a letter to fax them back, the fax # is always offline.Please help
Product: Student loan

I would like to know why my genesis loan I got back when I attended XXXX in XXXX, PA in 2012 was not part of the XXXX dollar discharge that the CFPB won in federal court. I got a letter in the mail about this event and it said I should hear something about my loan in the next couple of months. In the meantime my private genesis loan was being sold to another loan company to avoid the discharge of my loan. So I went from Genesis Lending Services to XXXX XXXX XXXX which is under University XXXX XXXX XXXX. I would like to know why my loans with Genesis were n't apart of the lawsuit and if they were part of the lawsuit then why were my loans sold to another lender shortly after the news of this lawsuit became public? I would like some clear answers about this matter.
Product: Credit reporting 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. XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX account # XXXX. XXXX XXXX XXXX account # XXXX. I looked at my Equifax 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 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generally, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation and ( ii ) promptly notify the furnished of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USU 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: Mortgage

Bank of America has yet to provide me with requested documentation ; i.e., emails and contacts to all the executive officers. The only higher authority I have been in contact with is XXXX XXXX who is not only unable to provide me with the contacts, but is also unable to give me her Email contact to to send documentation. 

The only thing XXXX has done is refer to back to lower official who is requesting the same documenation I have sent several times and for several months.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Final Request for Deletion of Inaccurate Charge-Off Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX ] To Whom It May Concern, I am writing to follow up on my previous dispute regarding the charge-off listed on my credit report under the account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. Despite my previous communications and the evidence provided, this inaccurate charge-off remains on my credit report. I have provided a 1099-C form which confirms that the debt associated with this account was cancelled. According to the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), you are required to ensure that only accurate and verifiable information is reported on my credit file. The continued presence of this charge-off is inaccurate and non-compliant with the law.

I have previously requested the method of verification and supporting documents as per FCRA 611 ( a ) ( 6 ), but have not received an adequate response. This is my final request for the removal of this charge-off. If you do not comply, I will escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action for non-compliance with the FCRA.

Please remove this charge-off from my credit report immediately and provide written confirmation of this action. Under FCRA 611 ( a ) ( 5 ) ( A ), if the information can not be verified, it must be deleted from my credit file.

Thank you for your prompt attention to this Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I went through the process of buying a car from Carvana on Saturday, XX/XX/year>. I put the down payment in their system and had the car bought. Carvana called me back right after and said the loan did not go through. They still took my down payment out of my checking account and have not refunded that money. This is very distressing to me. I want my money back.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$570.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company that I have no knowledge of I was told they had information and I asked to verify in which they could not .This companys LVNV and Resurgent. As I look this company up I see the have several names and they have five accounts under my name and they can verify. I have never had a account with this company. LVNV Funding LLC account ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have asked them to produce paperwork and they have not it have been one year
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance with XXXX XXXX XXXX  auto insurance was cancelled due the number of incorrect points reported to the XXXX that was placed on my Indiana Driving record and incorrect information such as suspended license reported to the XXXX XXXX. This inaccurate information reported to the XXXX caused my auto insurance with XXXX XXXX XXXX to be cancelled and increase of insurance fees when I went to get new auto insurance coverage from XXXX XXXX. I was told this would be the case with any insurance company because of my driving record. I explained to XXXX XXXX agent assistant that the information from the XXXX is inaccurate and gave XXXX XXXX a copy of my driving record that stated I completed a driving class and that my driving record from the XXXX should show 2 points as well as no suspended license, but the XXXX did not update the information so the information they are reporting out to other agencies is inaccurate. XXXX XXXX Insurance Assistant states they get their information from Lexis Nexus and that I should call and inform them that inaccurate information is being reported due to the XXXX not updating the information in their system. I contacted LexisNexis but have not got a response as well as Consumer Credit reporting agency to inform them of the inaccurate information that is being reported on my credit report and other reports. All this incorrect information is due to the XXXX not updating the records on my driving report. When spoke to the XXXX they stated there was nothing they could do because they do not enter the information into the system. I pointed out the discrepancies on the report to the rep at the XXXX XXXX and all she states she could do is give the number to call to ask that the information be changed, updated and accurate.
Product: Debt collection

Multiple calls and notices in the mail to an account I had disputed with all XXXX credit unions and was resolved by it being removed. 
I do not owe this debt.
Product: Credit card or prepaid card

I paid off the credit card according to the statement on the Chase Website on XX/XX/XXXX, 2 weeks before the due date In XXXX. The balance on the website showed {$0.00} balance due after the payment cleared. They then sent me a bill for the XXXX statement for {$49.00} for additional interest.
Product: Payday loan, title loan, or personal loan

I applied for Upgrade Card with the following terms from XXXX : Open Upgrade Card and Earn a {$500.00} XXXX  bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions* During the application for Upgrade Card, I did not have the option to enroll for a Rewards Checking account during application prosses. Moreover, I don't have such an option ( see attachments ) after I submitted the application. Upgrade 's representative assured me that I can open a Rewards Checking account after I open Upgrade Card. Eventually, Upgrade Card was approved and opened but the Rewards Checking account was not open. I tried to apply for the Rewards Checking account separately using existing credentials for the Upgrade Card account but received the following message from Upgrade : Thank you for your interest in an Rewards Checking account. Unfortunately, we could not open your account because we could not verify your identity. 
This message does not have sense because I am already an Upgrade customer and Upgrade already verified my identity during the application prosses for Upgrade Card. 

I believe the term for {$500.00} XXXX  bonus was misleading because of the next reasons : 1 ) I did not receive information about how to open Rewards Checking account from the upgrade 2 ) Terms of the offer do not outline the fact that the Rewards Checking account is needed to be opened after Upgrade Card was approved. 
3 ) There is not an option to add the opening of Rewards Checking account during the application for the Upgrade Card 4 ) XXXX link leads to the application of opening Upgrade Card without clarification on how and when Rewards Checking account should be open 5 ) Upgrade does not allow to open Rewards Checking account for the existing user with vague explanation : " we could not open your account because we could not verify your identity ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update these items right away : MEDICAL XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED 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

On XX/XX/XXXX, my husband received a voice message from First Equity Alliance ( Phone # XXXX ) for me regarding a civil complaint ( case # XXXX-XXXX ) that was filed against me. When I returned the call to find out about the matter I spoke with a very rude lady who spoke forcefully explaining that I owed an old debt debt ( XXXX XXXX XXXX ) and that I was in the process of being sued for {$4100.00} including attorney fees. I explained to her that this debt was paid, she then stated that their client XXXX XXXX was the owner of this account which was not paid and that I may have paid this debt to a fraudulent company and she would place a courtesy hold on the process until I produce the proof and send to XXXX. After getting my documentation, I learned from my daughter that a message was left of her phone as well, regarding this same matter and the person from first Equity Alliance not only mentioned my name but frequently mentioned her name as well. So, I called First Equity Alliance back and spoke to XXXX XXXX, he also explained that the call was being recorded and that I was being sued, and that I received documents at a previous address 45 days ago to settle the matter for {$1200.00} ( which is not true ) and stated that once the suit was filed that they could garnish my wages, place a lien on any of my property and have access to any and all FDIC accounts that was attached to my name in pursuit of this debt and that I would be served by a civil litigator on Monday or Tuesday. So I then asked for their documents to be sent directly to me for my records and he stated that he would have to speak to his manager and that if approved he could sent it to my email. I then gave him my email address and hung up. After a couple of hours, I called First Equity Alliance back, the same XXXX XXXX answered and I asked for the documents a second time, he assured me that he would check with the accounting dept to ensure that I receive their documents. I still have not received anything yet. The most disturbing parts to this is that this debt was paid off since XXXX, and that they called my daughter and mentioned her name in this matter and then spoke to me in a most disrepectful manner. Your immediate assistance in this manner is greatly appreciated. ( Voice message can be provided if needed. )
Product: Credit reporting or other personal consumer reports

These debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. more so they didn't follow the proper 5 steps validation procedure which makes his unfair practices. according to the FDCPA i'm entitled to XXXXXXXX XXXX per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MULTIPLE ACCOUNTS ON MY CREDIT REPORT THATS INACURATE AND UNFAIR AND SOME ACCOUNTS ISN'T EVEN MINE. THE CREDIT REPORTING AGENCIES SUCH AS ( XXXX, EQUIFAX, XXXX ) HAVE REPORTED THESE INNACCURATE AND FRAUDULENT ACCOUNTS ON MY CREDIT FILE WITHOUT EVEN CONSULTING WITH ME TO EVEN FIND OUT IF THESE ACCOUNTS WHERE ACCURATE OR EVEN MINES.. AS I UNDERSTAND IN PURSUANT TO 15 USC ( A ) ( 2 ) UNDER THE FCRA THEY CANT REPORT ANYTHING TO MY CREDIT FILE WITHOUT MY CONSENT WHICH THEY NEVER DID.. MY CONSUMER RIGHTS HAVE BEEN VIOLATED..
Product: Credit reporting or other personal consumer reports

I identified numerous unauthorized inquiries on my credit report that I did not authorize or consent to. Despite disputing these inquiries in XXXX prior letters, they remain unresolved. 

The inquiries include : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries, spanning multiple financial institutions, dealerships, and creditors, were made fraudulently without my consent. The credit bureaus ( Equifax, XXXX, and XXXX ) have failed to verify or delete these inquiries, violating their obligations under the Fair Credit Reporting Act ( FCRA ). 

I have attached all supporting documents, including previous dispute letters, proof of my disputes, and updated credit reports that show these unresolved inquiries. This is now my third attempt to resolve this issue due to the inaction of the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX has violated my rights. In accordance with FCRA 1681a-Definitons ; rules of construction ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consume and the person making the report ; 15USC 1681b permissible purposes of the consumer report.15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless ( A ) suchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; ( B ) theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.
Product: Credit card or prepaid card

J.P. Morgan Chase has repeatedly failed to refund a credit card credit balance in violation of 12 CFR 1026.11 ( a ) ( 2 ) despite repeated written requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX {$30000.00}.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Chase Bank regarding their failure to update my account balance and their unjust demand for payment following a refund issued by a seller. This situation has resulted in financial discrepancies and has caused me significant distress. 

I conducted a transaction using my Chase Bank debit card. Subsequently, the seller initiated a refund due to However, despite the refund being processed, Chase Bank failed to update my account balance accordingly. 

Furthermore, even after acknowledging the refund, Chase Bank continued to demand payment for the original transaction amount, effectively attempting to extort funds from me. This blatant disregard for accurate account information and the subsequent attempt to coerce additional payments constitute unethical behavior on the part of Chase Bank. 

I have attempted to resolve this matter directly with Chase Bank through multiple channels, but their response has been inadequate and dismissive. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that appropriate action is taken to rectify the situation. 

I urge the CFPB to investigate this complaint promptly and take necessary measures to hold Chase Bank accountable for their actions. Your assistance in resolving this matter is greatly appreciated. 

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

On XX/XX/XXXX Comenity Bank took {$100.00} balance by autopay for my XXXX XXXX XXXX  credit card. Several days later, when I was out of country, they returned the autopay??? 
They called my home phone number, demanding payment. When I returned, on the morning of XX/XX/XXXX I got another call. I immediately paid the total balance of {$430.00}, which included {$100.00} balance for XX/XX/XXXX, plus {$39.00} fee they demanded, and the new balance, which was due on XX/XX/XXXX. I immediately closed that credit card account. As of XXXX XXXX, I owed them XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern I reached out to transunion on multiple occasions to remove information that they are reporting on my credit report The information is inaccurate and/or incomplete information concerning me in consumer reports. Their conduct has caused me distress and financially harmed me with costs and loss of opportunity. The following alleged Public Record they are reporting concerning me is Inaccurate and/or incomplete, and also unverifiable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * I contacted the court of Record they listed on my credit file, and they confirmed that they neither provide or verify court records to you nor any other third party. ( See attached letter ) I then contacted XXXX and informed them of their errors in reporting and they responded with a letter deleting any Public Record notations. ( See attached letter ) Therefore, they could not have possibly verified this information, with XXXX XXXX. I request that they delete the alleged Public Record and provide me an updated copy of my consumer file. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that they included in a consumer report that they prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data and reinvestigated it due to my current dispute. Unfortunately, it appears that they do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that they include in their consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my updated Credit Report and it is clear that the Credit Bureaus have neglected my requests. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$340.00XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXX XXXX Owed : {$2500.00}