23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX - Still no check! - Recap - XXXX - mail insurance check to Ally Bank XXXX - Ally received check XXXX - Ally mails check back to me because they said it was not endorsed - I stamped it like ANY OTHER CHECK for the company - I WAS NOT TOLD TO SIGN the check without my name on it. 
XXXX - XXXX XXXX received the check back. 
XXXX talked to " XXXX '' and he told me he would XXXX  me a return envelope to XXXX and that I would get it on XXXX - NO SIGNATURE REQUIRED! 
XXXX - called Ally said that it would the XXXX envelope would be sent out today - 2 DAYS LATYER THAN PROMISED by " XXXX '' XXXX - XXXX attempted to deliver to XXXX but a SIGNATURE WAS REQUIRED! 
XXXX - Went to XXXX to pick up the envelope- put the check in the envelope and dropped off at XXXX. 
XXXX - Ally received the envelope XXXX - Called Ally and asked where my money was - They said that they received it on XXXX but still had not done anything with it. Told me it would be 7-10 DAYS XXXX - Ally called me to discuss the problem with me and told me it could be up to 30 MORE DAYS! 
XXXX - called Ally to find out when they would XXXX the check back to me as promised by " XXXX '' and they said they would be mailing it to me. I told Ally that this was not what was promised and that I wanted the check reissued and put on XXXX TODAY per the promise OR issuse a ACH payment to me so that funds would be available by XXXX - Was told they would look into it - I told them that they are a BANK AND HAVE NO EXCUSE FOR NOT BEING ABLE TO DO THAT REQUEST- but they are not going to do that. 



I now want the payoff to be EFFECTIVE XXXX - NOT XXXX - seeing how they had the check on XXXX and want the interest on the payment account refunded to me along with intrest on the {$14000.00} that they have been earning interest on for not giving me MY MONEY BACK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple issues with a XXXX XXXX credit card account XXXX ( I do not see anywhere else on this form to add my account number, so I'm doing it here. First issue, I don't remember opening this account. The account name is for XXXX XXXX and I'm XXXX XXXX. I'm getting correspondence by mail stating that I have to pay or I'll be taken to court. I started paying on the account because I'm unsure of what to do. I tried disputing several times with no luck. Second issue is the account is showing charge-off on my account and every month is showing a charge-off status dinging my account each month for over a year now. There is also a balance showing for this charged-off account. This is doing damage to my credit every month. I've sent for a letter of validation and I'm just told it's verified and I owe it. They can not produce a signed document with my name on it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 A scammer from the account XXXX XXXX on cashapp received {$80.00} from my account $ XXXX after hacking a family members personal accounts and pretending to be them. I reported the fraud. It took cashapp 20 days to respond by telling me they would not give me my money back. Cashapp also allowed the acct to still remain active. I called cashapp to talk in person and they claimed to report the claim but said they will not be giving my money back. They told me vocally on the phone to contact the scammer and request my money back. I asked if they would still keep the scam account active and they said said they would provide no further info and hung up on me while i was talking. Nothing was resolved. The platform allows scammers to thrive and cashapp provides no protections to customers against them which should make cashapp complicit in criminal activity.
Product: Money transfer, virtual currency, or money service

I have money in my account and have not been able to get it out for going on about 2 months now. They took my money by letting me link a credit card, but they will not allow me to link a bank account. First - they made test deposits but then their app kept saying the amount I entered was not correct. Then I removed my bank account to start the process over, and have never received any more verification deposits. 

My money ( ~800 ) is stuck in Coinbase with no way for me to get it out ...
Product: Consumer Loan

XXXX/Motolease is reporting the wrong balance on my credit reports and is refusing to update that the account has been settled in full with XXXX balance.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND EQUIFAX DATA BREACH. 

HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX to discuss to major problems reports that were made to the credit bureaus. There is a student loan serviced by XXXX being reported as closed, transferred and in collections. The other loans are reporting late to the credit companies over 90days. I am in XXXX, and XXXX also has my student loans in deferment. 12 lates have been reported I started school in XXXX of XXXX  and i have another course starting XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e XXXX b ) XXXX XXXX XXXXXXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$3100.00} According to XXXX XXXX Equifax XXXXXXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 



USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account # : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$1100.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX XXXX Equifax Account XXXX : XXXX Account Type - Detail : Credit Card Loan Bureau Code : Individual Opened : XX/XX/XXXX Balance : {$4300.00} According to XXXX XXXX Equifax XXXX, Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated
Product: Credit card

I am retired aged XXXX years. I lost my job in XX/XX/XXXX. 
My main source of income is retirement benefits from social securityJob loss and XXXX to my wife make me unable to meet financial commitments in paying medical bills and credit card payments. 
I have a debt of {$20000.00} on credit cards since XX/XX/XXXX and a personal loan.from XX/XX/XXXX. 
Till today I am able to pay all the payments to credit cards and personal loans on time while I was in job without any back payments or default in payments at any timeMy main source of income is {$1000.00} from social security as retirement benefits. 
Hear after I may not be able to continue the payments with very high APR.. 
Requesting all the credit card companies to reduce my interest rate to the maximum possible and help me in paying off their dues. 
I am great full to the CFPB management for this helping hand to the needy consumers.
Product: Debt collection

SANTANDER was in a class action suit and it was ordered for them not to report to the credit bureaus concerning accounts. I sent the information in explaining that to them and they didn't respond in the proper manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting inconsistent and inaccurate information on my credit reports which is greatly affecting my credit score and is in violation {$1000.00} per violation with the FCRA. Ive disputed this account before and yet this account continues to report the inaccurate information. For example it reports the Date Of Last Activity for XXXX  is XX/XX/XXXX while for XXXX  reports XXXX/XXXX/XXXX. This is a violation of the FCRA by this account has be ILLEGALLY re aged the account showed closed back in XXXX and thats supposed to be the last active date. This account also shows that its closed but yet with XXXX  also shows late 120 days. This is another violation by an account that is close ended can not be late unlike open ended credit card accounts per the FCRA. Ive disputed this account before with experian back in XXXX of XXXX but yet on the report it did not update the date reported which shows XX/XX/XXXX which is a violation of the FCRA by its suppose to update the account status each time its disputed. XXXX  shows the last payment was XX/XX/XXXX and XXXX  shows XX/XX/XXXX. If all the credit bureaus are getting their information from the same company how is it that theyre reporting different information. TransUnion as well has inaccurate and inconsistent information which will be attached
Product: Credit reporting or other personal consumer reports

This company has been paid and written off Citicards/citibank XX/XX/XXXX XXXX XXXX XX/XX/XXXX Paid and closed XX/XX/XXXX XXXX
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : None Balance {$1000.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX
Product: Debt collection

XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute of Inaccurate Collections Reported on My Credit Report FCRA 15 USC 1681 Dear Sir/Madam, I am writing to file a formal dispute regarding the collection account ( s ) listed on my credit report under the name Contract Callers Inc. for the account number XXXX. Upon reviewing my credit report, I believe the collection account ( s ) reported are inaccurate or incomplete, and I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. 

The collection account shows the following details : Creditor Name : XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$300.00} Dispute Details : I dispute the following details regarding the collection account : The date of the collection is incorrect, as this debt was settled before the reported date. 

Request for Action : In accordance with the FCRA, I am requesting the CFPBs assistance in resolving this matter. I ask that the collection account ( s ) be investigated and corrected if the information is inaccurate or incomplete. If the debt can not be substantiated, I request that it be removed from my credit report entirely. 

If the debt has been paid or settled, I request that the collection account be marked as Paid or Settled to reflect the current status of the debt. If the information is found to be inaccurate, I request that the account be deleted from my credit report in accordance

with 15 USC 1681i. I appreciate your timely attention to this matter and expect to receive a response
within 30 days, as required by law
. 

Thank you for your assistance in ensuring my credit file is accurate and up to date. 

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

My student loans should be removed off my credit report STAT! Student loans on my credit are a violation of " FERPA 1974 '' per 20 U.S.C. 1232g ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXt XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

This debt has been being passed around to XXXX collection agency after another for over 10 years. 
Can you please help?
Product: Checking or savings account

I was robbed and assaulted in XX/XX/XXXX and bank of america has not returned the fraud money of {$830.00} XXXX after the police have caught the suspect and investigation has been filed they have constantly lost paperwork and been =grossly incompantant. Theh have never contacted the detective or the district attorney who's numbers were provided in XX/XX/XXXX they never checked the cameras and have constantly made excuses.
Product: Debt collection

XXXX XXXX XXXX sent me a letter claiming that I owed {$1700.00} to Pendrick Capital Partners who had purchased " my '' medical debt from XXXX XXXX XXXX. I emailed them asking for support. They sent me their " support '' which I believe to be fake. All of my personal information is inaccurate and the rest of it is incomplete. Please see the letter along with the support they sent attached. 

I have also never taken an ambulance like they are claiming. Additionally, it said that I took this ambulance on XX/XX/2016 and I was no even in the US at that time. 

I did some research on these companies and it seems as though they all know each other. Please see my findings on the secretary of state sites in CO, IN, and DE. 

XXXX XXXX XXXX is registered in Indiana. Their registered agent there is XXXX XXXX XXXX XXXX In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

Pendrick Capital Partners is registered in Delaware. Their registered agent there is XXXX  XXXX XXXX XXXX. In Colorado, their registered agent is XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX is also registered in Delaware twice. Their registered agents there are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

I believe all of these companies to be fraudulent. They are trying to scare people into giving them money.
Product: Prepaid card

I purchased XXXX XXXX My Cash Cards on XX/XX/XXXX in CVS for {$500.00} each, total {$1500.00}. When I tried to load them to my XXXX account several days later, XXXX of XXXX cards I bought had issue to load, one of them loaded successfully. I contacted XXXX and tried to resolve this, they asked me to contact a company called InComm, said it 's their partner to handle XXXX Cash. After multiple failed attempts, I finally reached InComm, and they mentioned they will look into it. Then after several months I did n't hear from them, I contact InComm again, they asked me to send copies of my XXXX Cash Card, a bill has my address and driver 's license. After sent all my files, they promised to open an investigation and update me for the case, and gave me a case number but I never heard from them for anything relate to my case for serval months. I almost lost my hope to get my money back, then finally got hold of their customer service again, and the representative on the phone told me the case was closed, and they are not talking to me unless a law enforcement agent contact them, but she 's sure {$1000.00} on my two cards have been loaded to a different account, not mine. She keeps blaming me and said I 'm the one responsible if someone " stole '' my cards, and I told her my cards are with me, and the time when I tried to load them to my account, I was the one who scratched those cards to see the PIN, and I never shared the PIN with anyone! 
After the unpleasant conversation, I did some research online, and found out I 'm not the only victim of this potential fraud. A lot of people posted online they had similar experiences. For example, one case I found on XXXX website, it 's a complaint filed by XXXX, XXXX CASE # : XXXX, it 's basically the same experience I 'm having. And he even posted on his blog of findings he had that InComm had security breach and their own employee potentially stole customer 's money. 

One of his post can be found through this link : https : XXXX I strongly believe this is a systematically flaw in XXXX 's system if not an intentionally scam. Please help me to recover my money lost and investigate InComm for their wrong doing and hostile treatment towards customer, {$1000.00} is a big amount of money for me, you are my only hope! 

Thank you for your help!
Product: Checking or savings account

I opened a checking and savings account on XX/XX/2019 at JPMorgan Chase Bank of North America. I deposited funds into the account, I received documentation, starter checks and all other account performance privileges. I informed the banker opening the account of my previous balance with Chase Bank and asked if there were anything on my consumer report that would preclude me from opening a checking and a savings account. The banker advised me that I passed all metrics to open the account and that I was qualified. 

On XX/XX/2019 I attempted to make a deposit at the local branch and was advised that my account was being closed. 

The banker did not have a reason but did advise me that my account was being closed. 

This resulted in me not being able to access my personal funds, pay bills and transact business. 

I was never advised of any adverse actions in writing by Chase Bank. 

Banks should disclose to consumers if they are eligible for an account prior to opening a account. Consumers rely on banks to be honest and forth coming and to not engage in any unscrupulous or unlawful practices. 

I believe that Chase Bank is engaged in deliberate, defined actions against low income, minority consumers and I am calling for an investigation into their business practices. I do not want other consumers to be subject this type of treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX and my ID and social security card was stolen.