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

In XX/XX/year>, I mailed two personal checks in two different envelopes to two different tax authorities ( IRS / U.S. Treasury, and the Colorado Dept. of Revenue ) on the same day from a local XXXX XXXX XXXX. The checks were stolen out of the postal system, altered, and cashed by a criminal. It should be noted that while the checks themselves were altered, the amounts of the checks were not altered. The check made payable to the Treasury was for {$63000.00} and the check made payable to the Colo. Dept. of Revenue was for {$12000.00}. 

These two checks were estimated quarterly tax payments made voluntarily by me using personal funds in my USAA Federal Savings Bank checking account. I was not paying tax bills. That is important to note because when the IRS and the Colo. Dept. of Revenue did not receive my quarterly payments, they had no obligation to notify me of that. So, when the checks I wrote cleared my bank account, I believed it was because the IRS and Colo. Dept. of Revenue had received the money when in fact they never received the money and did not tell me. 

I was alerted to the crime by the XXXX XXXX XXXX months after it happened. I immediately notified my bank USAA and provided them bank with copies of all the criminal investigation reports available. USAA refunded {$63000.00} to me, but refused to refund {$12000.00} to me, saying my request for a refund was outside their 60 day window for making such requests. 

While I'm grateful to have my {$63000.00} back, I don't see why I was allowed to have that amount refunded and be refused a refund of {$12000.00} when everything happened at the same time. I asked USAA how to appeal their decision but my request was ignored.
Product: Vehicle loan or lease

XX/XX/ I singed a contract for the lease of a XXXX XXXX XXXX. During this transaction, I fully disclosed I was XXXX XXXX military. I provided my military Common Access Card, and a copy of my LES which in turn I was given a {$500.00} military discount. Aside from my full disclosure, there are other options for financial institutions to utilize to determine if the borrower is in the XXXX XXXX. During this time, I was offered GAP Insurance for {$990.00} in the finance department. I agreed to this item without realizing this item is prohibited from being offered to XXXX XXXX military under the Military Lending Act ( MLA ). XXXX XX/XX/XXXX I had spoken with the base JAG and was informed since the financial institution did not follow the MLA the lease agreement was null and void. I followed by contacting Toyota Financial Services the same day to discuss the error. I stated the contract was null and void due to a failure on their part to abide by the MLA. I called on two separate occasions. The first person I spoke with only put in a SCRA request and said someone would call me back. I waited about an hour but called again and spoke with a gentleman. He told me that although the GAP is not allowed I have to remove it and resign the contract and if I do not resign the contract and hand in the car then it will be reported to the credit bureau as a " Voluntary Surrender '' and will negatively hit my credit. The problem is the current contract is not binding due to illegally selling me GAP insurance. Toyota Financial Services have threated negative action because of their failure rather than trying to rectify the situation.
Product: Credit reporting or other personal consumer reports

am writing to follow up on my previous communication regarding discrepancies in my credit report. This is my second written request regarding the matter. 

Despite my previous inquiries, the unverified items on my credit report have not been rectified, which is in direct violation of Federal Law, specifically the Fair Credit Reporting Act ( FCRA ). As per the FCRA, you are obligated to possess a copy of the original creditor 's documentation to verify the accuracy of the information being reported. However, I have not received any documentation from you as required by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of the FCRA, including a consumer contract bearing my signature. 

In response to my previous investigation request, you stated that the items in question were " verified '' to be reported correctly. I am now questioning the validity of this verification process. Who exactly verified these accounts? And based on what evidence? 

Under Section 611 ( 5 ) ( A ) of the FCRA, you are mandated to promptly delete any information that can not be verified. Since you have failed to provide me with the necessary documentation to verify these items, it is imperative that they are removed from my credit report immediately. 

I expect a prompt and thorough resolution to this matter. Failure to comply with the FCRA regulations will result in further action being taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX XXXX XXXX  web site. Got one report, Not sure which one, I got confused. The other two said there was problems and told me to request a report through the mail. Not an option that I want. When I tried to start over I kept getting looped back and had to re-enter info multiple times. All subsequent attempts failed.The website is TOO unforgiving and confusing. I think that is deliberate by the credit reporting bureaus. Make things as difficult as possible to discourage users.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I have disputed my file about address that are not mine and are not mine.I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX  XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 XXXX and e ective measures to XXXX! XXXX? 

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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my account, and Ive found serval discrepancies. ( I have attached supporting documents ) Different Account names Different Original Creditor names Different Account Types Different Contact Address Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 has been modified or deleted from the file of the consumer. 

In addition, on XX/XX/XXXX I sent a letter to XXXX requesting validation of account. ( I have attached supporting documentation ) In Result : NO RESPONSE This is Violation of : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character. 
Negligent On XX/XX/XXXX I provided proof to XXXX  I was assaulted & my purse with my identification was stolen. I mailed in all supporting documents. Police Report File # XXXX XXXX, FTC Report # XXXX, Proof of Address, Proof of Identity. ( I have attached supporting documentation ) XX/XX/XXXX The information was received. XXXX XXXX # XXXX In Result : Information came back ACCURATE & VERIFIED XX/XX/XXXX I submitted another dispute to XXXX  ( Report # XXXX ) In result : Verified and Updated I am writing to report invalidated and inaccurate derogatory marks reported on my credit report. The information being reported is inconsistent, inaccurate & outdated. Im also writing to report negligence of FCRA violations & Defamation of character. 
My reports state that my accounts have been verified & accurate since XXXX but there are multiple discrepancies found since then & I have not seen any updated information. How has this information been verified and reported accurately? This is a direct result of negligence & defamation. In result, I have been denied loans due to this reporting. ( I have attached supporting documentation ) I am requesting this account be deleted and removed from my credit report immediately!
Product: Checking or savings account

Today, I was declined service at the XXXX MD  branch even though I presented my valid driver license. Afrer 20 minutes of waiting, I offered to write a HELOC check for the withdrawal, but was told I needed to produce my passport to make a withdrawal. Then I was denied a withdrawal of ANY amount by the head teller ( XXXX XXXX ) and the assistant manager ( XXXX XXXX ). I desperately called the regional admin ( XXXX XXXX ) while there, but she never returned my calls or texts. This is not the cash withdrawal policy at TD bank. You only need to show a valid ID - which I did. I correctly answered all security questions. I even offered to show a pic of my passport in my phone from a travelitinerary, but was told that I needed to come back tomorrow with my passport. I begged for cash or to do a wire, but was declined. I should be able to make a withdrawal on any given day, but during this unprecedented time to be treated so horribly when I need to feed my family, they should all be ashamed!! This virus is LIFE or DEATH and this bank treated me like they didn't care if I died.Now, I am too afraid to leave the house again, but we have no food and I can't get ANY money from my account to buy food and pay bills. I lost my debit card.
Product: Credit card

I received a gift from the CEO of our company. This was a XXXX gift and the date I received it was XX/XX/2024. It was an XXXX gift card for {$500.00} I have been unable to spend this anywhere. It is always declined. The places I've tried to spend are online and require the card #, exp date and Cvv code. I have always included these in the transaction. 
The last time I tried was last night XX/XX/2024 at XXXX 
I have tried calling Amx and never get to talk to a person, just run around by autoattendent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it concerns, I have reached out to TransUnion, XXXX, and XXXX concerning three account that information was posting improper information concerning my accounts. I have sent letters twice times and I have waited the proper time frame to receive information concerning these items and I have sent letter via certified mail numerous occasion yet I receive no letters or information supporting the companies information on my credit report.
Product: Checking or savings account

Dear Citi Executive Response Unit : This letter serves as to bring to your attention the following concern. On XX/XX/20 I received notification from your company via e-mail that I had a ( notice of insufficient/unavailable funds ) for my viewing. I proceeded to log in@online.citi.com, & clicked on the Services tab. From there I went to Statements & Documents, and then to View E. Communications, and then to Notices & Letters. Here was correspondence from your company dated XX/XX/20 ( see attachment ). This correspondence indicated that it required action on my part. 

My concern is that the correspondence in question does not belong to me at all. It is for an account named XXXX XXXX XXXX with account number ending in XXXX. How is it possible that such a document would end up in my Citi online profile? This is alarming to me as a consumer because of identity theft. It made me wonder if my information was somehow given to another one of your customers as well. Please review this matter as it is very alarming and a dangerous practice for your company to take part in. 

On XX/XX/20 I contacted your customer service department @ phone number XXXX and spoke to a person whom indicated that she was an Online Supervisor. Her name was XXXX and she indicated that she was based out of a call center in the XXXX. XXXX indicated that she would submit my concern to the correct place and someone from your establishment would give me a return call by XX/XX/20 about the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting A account that does not belong to me I did not authorize any account with XXXX XXXX XXXX and its damage my reputation and trustworthy this account does not belong to me Im a victim of identity theft I file numerous complaints to Equifax but the account still showing on my consumer file account name upstart XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a XXXX XXXX XXXX from XXXX around XX/XX/2018. I bought the car and then traded it in for an XXXX XXXX XXXX. When I did this, I had Bridgecrest send the payoff amount that they quoted me, to themselves for the XXXX. XXXX/Bridgecrest is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to Bridgecrest and XXXX and it was approved. The issue here is that on my credit, Bridgecrest shows a charge off amount for the XXXX on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX I had my credit pulled for a mortgage. I was informed that my credit score was low because I have an outstanding collection account with Diversified Consultants. They reported the account on my credit on XX/XX/XXXXand the account was opened in XX/XX/XXXX.
In those 3 months, I never received a phone call or a mailing from Diversified Consultants stating that I had an account with them.
Product: Credit reporting or other personal consumer reports

I have been disputing inaccuracies on my credit report since XXXX, XXXX still haven't deleted or corrected inaccurate information, I've made all my payments on time, paid off Capital XXXX, XXXX, XXXX accounts. XXXX sent updateds which was not updates on XXXX and XXXX which wasn't updates there was no change on my credit report, Capital XXXX they said was verified, I'm asking for the FURNISHER to sent me the information they used to verify and update Capital XXXX, XXXX, XXXX accounts.
Product: Credit card or prepaid card

There is an account from MACY'S/DSNB reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity, and also stated that the date of last payment was missing. I also submitted a direct dispute to MACY'S/DSNB. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. 

If an account was closed because it was charged-off, how can it report a charge-off each month? This account is repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the MACY'S/DSNB account on my credit report is reporting inaccurate and incomplete information.
Product: Money transfer, virtual currency, or money service

I have a Venmo account, which I rarely use. A friend paid my wife for a XXXX XXXX using my Venmo account. I have attempted numerous times to transfer that money into my bank account ( via my bank debit card ), and every time I get the message " Sorry, this transfer can not be processed.. '' Upon further playing around with the online portal for the account, the message " Your account has been frozen '' appeared. 

They don't have way of contacting them directly. If you try their " web chat '' you get thrown into a limitless loop. The only instructions I was given was to answer an email, but I've never received an email from them. 

We're not talking about an enormous amount of money here. Only {$19.00}, buy it's the principle of the thing. I am entitled to that money. My name is on the account. That money belongs to my wife.
Product: Checking or savings account

BOA started charging maintenance fees on both my checking and savings account without sufficient communication with me ( due to automatic product change without contacting us formally ). They claimed that they sent out email communication ONCE regarding to those. The process takes me to retrieve the updated policy is highly complex and the instruction is not clear
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying an ATV  for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Product: Credit card

I've always ensured that payments on this account are made promptly, avoiding any overdue situations. I'm unclear about the reasons for reports of late payment remarks on my accounts. Per 15 USC 1666b, billing errors should be fixed.
Product: Debt collection

This debt was paid through XXXX XXXX XXXX in full in 2013. Some how with the large load the medical centers have with all their patients my accounts was turned over to Suburban Collection Agency. I contacted the hospital concerning this debt and they stated this account was paid in full and they will contacted the collection agency to have this item removed from my XXXX credit report.
Product: Debt collection

I never received notification of this debt. I found out about just yesterday because I am in the process of trying to build credit. Wakefield and associates have to marks on my credit history and never tried to contact me about any bills I may have outstanding. I definitely am not sure of the total or when they are from. I just want some type of solid validation they are mine. Until then I want them removed from my credit report cause they are hurting my credit for something I was unaware of
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account I was in fact paid on time the consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

Hi my name is XXXX XXXX im Chime bank user unfortunately my account was hacked and stole all my money when I recovered my account successfully im immediately contact with Chime bank i file a dispute claim {$9500.00} and after few days he denied my Dispute. 
When i again and again contact with us for rebuttal the denied again my dispute. 
Plz help me out I am seeking a fair resolution and a refund for the disputed amount.

Please keep me informed throughout this rebuttal process and let me know if there are any further details or documents required.

I trust that Chime Bank will review this matter with care and fairness and work towards a just resolution. 
My Dispute Claim id is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a motorcycle from Harley Davidson XX/XX/XXXX. First payment due XX/XX/XXXX in the amount of XXXX. I made 4 payments totaling XXXX before the due date which is the XXXX of every month. The months XXXX and XXXX of XXXX no payments were due because of the overage on the account balance. XXXX XXXX my motorcycle was stolen. I alerted the insurance company in which they paid me XXXX which was applied to the account on XX/XX/XXXX well before the account was 30 days late. Harley Davidson Financial reported this account late from XX/XX/XXXX up until the latest reporting of XX/XX/XXXX. This account was paid years in advance and finally paid completely off XX/XX/XXXX and closed that month. I never made a late payment on this account. I've tried getting this account corrected with the creditor to no avail. I then disputed this account with the credit bureaus XXXX, XXXX, and XXXX, they did not remove the negative reporting despite receiving proof of payment received before the due date. They are also allowing the creditor to report the account 120 days late in the year XXXX. This account is paid in full and closed since XXXX of XXXX. This is the only account in bad standing and it destroying my chances of owning a home due to the recent reporting negative activity despite it being paid in full and closed. This company has a track record of this behavior and something has to be done to help consumers when we've tried every avenue to get errors being reported to our file corrected. I'm asking that all credit reporting agencies remove the negative remarks and late payments from my credit report.