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

On   XXXX   XXXX   XXXX     I commenced to cash my monthly  XXXX  check at Bank of America that was payable by Bank of America.   
I am not a member of Bank of American a  nd I notified the teller each month that I have no desire to open an account and that I was aware of the  XXXX  dollar non-customer charge fee.     The bank teller immediately told me that she could not cash my check, that it was no good and to return it to sender. The Bank manager reiterated what the teller had said and also stated that for confidential reasons he could not discuss the matter and repudiated policies associated with  XXXX  and human/customer rights abuse.     In the very same hour, I later incountered the same situation at another Bank o f American branch. In my desperation walked in another Bank of American branch for the third time, and my check was checked with no he sitation. This particula r Bank of American was in a different loca le as the other  XXXX , wish were close in proximity.     It is to my belief that since I was not an account holder I was denied the privilege to continue to cash my  XXXX  check at those  XXXX  branches.     I have each manager 's business card. Please investigate this matter.     Thank you in advance
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Charge-Off Entry on Credit Report Account Number : XXXX XXXX Auto Loan Account Number XXXX Dear Credit Bureau/Agency , I am writing to formally dispute the accuracy of the charge-off entry listed on my credit report for the auto loan account XXXX held with XXXX XXXX XXXX XXXX ( XXXX XXXX ) , referenced above . I am requesting that this charge-off entry be deleted from my credit report in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and based on the fact that a charge-off is treated as income to the debtor under U.S. tax law, specifically under 26 U.S.C. 61.

Upon reviewing my credit report, I discovered that this account is marked as a charge-off, which is having a negative impact on my credit score. However, under U.S. law, specifically 26 U.S.C. 61 ( a ) of the Internal Revenue Code, a charge-off is considered taxable income to the debtor. This means that once a debt is charged off, the creditor has effectively discharged the debt, and the amount writ-ten off is treated as income, rather than an ongoing obligation. As a result, the charged-off balance should not be reflected as a valid debt obligation on my credit report. 
Based on the above, I respectfully request that you delete this charge-off entry from my credit report for the following reasons : 1. Charge-Off as Income : According to 26 U.S.C. 61 ( a ), when a debt is charged off, it is considered income to the debtor for tax purposes. This means the charge-off is no longer a legitimate debt but income written off by the creditor. Therefore, it should not continue to appear as an outstanding balance on my credit report.

2. Inaccuracy Under the Fair Credit Reporting Act : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to an accurate and complete credit report. Since a charge-off represents income and not a debt, keeping this entry on my credit report as a negative mark is inaccurate and should be removed. 
In light of the above, I request that you conduct a thorough investigation and delete this charge-off entry from my credit report if the information can not be verified as accurate or if it is inconsistent with the provisions of the Fair Credit Reporting Act and relevant U.S. tax law. 
Please provide me with written confirmation of the results of your investigation and any actions taken regarding this dispute. If you are unable to verify the accuracy of this information, I expect it to be promptly deleted from my credit file. 
Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Description is simple sometime during the month of XXXXXXXX XXXX XXXX I received a message from one of the credit reporting agencies. I had a new collection on my credit report. When I checked the credit report I noticed a company called XXXX XXXX had sent an account to collections. I contacted XXXX XXXX company and inform them that I did not have an account with their company. I asked XXXX to send me information about this account or remove the account from the credit report I was informed that I would have to contact the collection agency who has the account I emailed both companies informing them the account does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM financial refuse to correct the amount of the loan. The dates of the long the last payment made refused to send me any information regarding the loan regarding the sale of the car after repossession they did not notify me prior to selling the car each time I requested it, my request was denied. I contact each credit bro agency to get it updated to get it corrected. Nothing is done like it is the company has verified information. The company has not verified any information with me or giving me any type of documentation, showing the long the amount owed or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at FRANKLIN COLLECTIONS. I did not open or authorize this account, and I request that it be removed from my credit file immediately. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report. I contacted the FTC and I've also called my local police department. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX.
Product: Student loan

My loan servicer was XXXX XXXX XXXX ( PHEAA ) and I refinanced my loans in XXXX/XX/XX/XXXX to another institution. I received Paid in Full notices from PHEAA to all 8 of my individual loans ( 4 subsidized, 4 unsubsidized ) on XX/XX/XXXX. I received an additional confirmation on XX/XX/XXXX that I had a XXXX balance after I received an erroneous billing notice emailed to me. In XX/XX/XXXX I was notified that I had a balance due and they reported to the credit bureaus that the loans were no longer closed. I called PHEAA and they described an audit process where they uncovered that they had miscalculated interest and they corrected it resulting in me now owing a balance.
Product: Checking or savings account

On or about XXXX XXXX, 2022, I requested a disbursement check from XXXX XXXX, in the amount of {$12000.00}. This check was made payable to myself, XXXX XXXX XXXX, and my wife, XXXX XXXX XXXX, Trustees of the XXXX XXXX XXXX. The check was written by XXXX XXXX, on a check made payable from their BNY Mellon account # XXXX, Check # XXXX. On or about XXXX XXXX, 2022, I contacted XXXX our of concern that I had still not received my {$12000.00} check. XXXX informed me that this check had been cashed 2 days earlier by a person named XXXX XXXX. I informed XXXX that this was a fraudulent transaction, and to please take all necessary and immediate steps to make sure this transaction was stopped immediately. On or about this same time, I completed an affidavit for check fraud for BNY Mellon, as requested, and have now been waiting over 120 days for a resolution, and the return of my funds. I have been unable to receive any sort of communication, updates, or resolution from BNY Mellon, because they tell me that I am not the account holder for this BNY Mellon bank account from which the fraud occurred. I am merely the PAYEE. I have been unable to receive any updates from XXXX investments, as they say they are waiting for an update from BNY Mellon. 
As a consumer, I am caught in an endless loop of NO ANSWERS, and NO ACCOUNTABILITY, and I desperately need help to recover my funds. I believe that BNY Mellon needs to be accountable to me, the PAYEE of a check written from their account, and please reimburse me for the check that they allowed to be fraudulently cashed. 

I am requesting that they provide me a replacement check in the amount of {$12000.00} on or before XXXX XXXX, 2022.
Product: Money transfer, virtual currency, or money service

I went to make a {$2.00} purchase at a XXXX XXXX  on XX/XX/XXXX and it declined. I didnt think much about it because I usually lock my card when its not in use and thought I just forgot to unlock before going to store. 
In XXXX I made a cash deposit into my cash app account to cover a purchase and a bill. When I went to make the purchase it declined. I looked to see if my card was unlocked and it was. At this point I reached out to support and was told they were investigating a fraud claim. I asked for what? They could not tell me. 
I checked in with support every week for 3 months and it is still unresolved. 
I reached out to my state attorney generals office and they recommended I seek assistance from the state attorney generals office where they are located to file a complaint. So Cash Apps corporate office is in XXXX XXXX CA, BUT the banking partner for my area is XXXX whose corporate office is in Ohio. So I do not know who to file on. XXXX refers any problems back to Cash App, but it is their card that is locked. I am so tired of getting the run around and having zero resolution in 6 months time. I requested they issue me a certified cashiers check if they are not going to unlock my account as that is MY money. It was not sent to me by anyone. 
Any time I have had an issue about any transactions it has NEVER taken ANY financial institution more then 10days to resolve it. My current phone number, address, and email are on my cash app account, there is no reason for this! 
I went through an identity theft in XXXX that took 8 months to resolve through the state and federal government but I have been verified and most of the issues were resolved, so I thought.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax allowed a company by the name of XXXX to report false information on my account. The company XXXX also did not follow FCRA guidelines. 

The creditor failed to notify me when it supplied negative credit information to a CRA The creditor failed to notify me of my right to dispute inaccurate credit information The creditor failed to submit corrected information to the CRA subsequent to investigating your dispute None of the CRA conducted a conduct a reasonable investigation of my dispute. I would like documentation of verification that you received from XXXX that the account is accurate and that I was appropriately notified prior to the company reporting this on my credit report.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CAPIO PARTNERS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CAPIO PARTNERS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

As a consumer, I have subscribed to Transunion monthly subscription service, which is advertised to include the ability to freeze and unfreeze my credit online at any time. However, despite paying the monthly fee for this service, I have consistently faced difficulties in utilizing it as advertised. 

Specifically, I have found myself unable to freeze or unfreeze my credit online through Transunion 's platform. Instead, I am forced to contact their customer service department every time I need to enact a credit freeze or unfreeze, which is a cumbersome and time-consuming process. 

This failure on Transunion 's part to provide the promised online credit freeze and unfreeze services constitutes a violation of consumer rights and fair business practices. It is unacceptable that despite paying for this service, I am unable to access it conveniently online as advertised. 

I kindly request that the CFPB investigate this matter and take appropriate action to address Transunion 's non-compliance with consumer protection regulations. Additionally, I would appreciate guidance on how best to resolve this issue and ensure that Transunion fulfills its obligations to consumers moving forward. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in addressing this concern.
Product: Debt collection

I found out that Johnson Mark LLC sued me for a debt that I have not made a payment on since XX/XX/2016. That payment was through a 3rd party credit management firm, I have had no direct contact with any of my original creditors from this time period since well before that date. Johnson Mark LLC had a judgement entered against me in court and proceeded to garnish my bank account. I do not know exactly who the original creditor was yet, but there is no question that it is among those included in the credit management program that I discontinued in XXXX of 2016. The notices for this suit were not received by me so I was unable to respond and I do not know when it was entered. This debt is past the 6 year limit as of XXXX or earlier, and it is illegal for XXXX XXXX to pursue the judgement in court if they did so after that date. I do not have a copy of the judgment or my bank notice regarding the matter because I closed the account and lost all of the digital correspondence because I have paperless statements. Bank XXXX XXXX could not reproduce the letter or give me any details beyond Johnson Mark LLC 's phone number. I have not contacted them because I received advise NOT to reach out to them directly from a credit repair specialist. 

Thank you! 

Johnson Mark LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number : ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, a money transfer ( 950 USD ) was made to XXXX through Moneygram ( reference number XXXX ), deposited in a bank account ( XXXXXXXX XXXX  ), the funds should be available on XX/XX/2021, however the Money was not deposited to the destination account, we spoke to Moneygram, and they affirmed that the money was deposited, we told them that it was not like that, and they proceeded to raise a clarification ( XXXX ) to see where that money is, and they gave us time response of almost 6 months, every time we call them to see if there is any progress, they only say no, and that we should wait.
Product: Checking or savings account

In XX/XX/2023 I login to my XXXXXXXX XXXX XXXX app to use it. I see red dots next to my profile and I click it. It says bank error. Need to login with credentials again.i have my Chase bank account and my XXXX account linked to my XXXX account. So I click on the banks option. Chase has the red dot by it. I click on it. My balance in XXXX. So I try to login and do my credentials. I was allowed to login however none of my bank info was there or and banking options like usual. I give Chase a call they tell me that my account was closed in XXXX I believe due to inactivity. I mentioned the money and was transfered 3 times. The guy final man I spoke with gets in the phone and says I havr great news I don't see XXXX XXXX dollars but you only owe XXXX than harassed me on when I was going to pay it snd ignored anything I said or asked pertaining to the reason i called. I spend the next couple days over the weekend trying to transfer money and such over and find any email or letter notifying me of the closed account .nothing. however there was an email from mint saying check your acvount for a sum of money deposited to my account. So I get the mint app and creat my profile. It automatically has chase linked to in thru XXXX. Also showing the balance of even more. It was XXXX, XXXX. I believe. Plus shows the deposit of XXXX something and transactions following that deposit. Leaving a balance of XXXX some odd dollars. Please help. I know the money is there. All they can say is the account is closed
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have been a customer with Bank of America for over 14 years and for the last 2 years the practices of this bank have been unfair! I have closed XXXX of the XXXX accounts that I had with them because of the lack of communication and poor customer service. 
I made a payment from my account and the payment went through twice causing my account to go into an overdraft. In the past ( because this has happened before ) the bank would give me a call and ask me if this was done and XXXX! Or if it was unusual activity, they would notify me. NOW they just post everything! as if to charge fees! With no notification to the consumer. I called this morning and asked all of the above and was told by XXXX rude managers this is the Banks policy and that I would receive my refund between XXXX business days! I stated they could clearly see it was an error, same transaction twice on the same day and they cleared both without notifying me of it XXXX! I was again told there was nothing more they could do. I feel Bank of America changed their practices after being sued and taking it out on loyal customers. And it's not fair! 
I am closings my remaining accounts at this bank but I am looking to have all my overdraft fees returned to me for my inconvenience and lack of customer service.
Product: Debt collection

I have become a victim of identity theft and due to the recent breaches with XXXX and XXXX my credit card numbers used, people have taken utility bills out in my name as well as apartments in my credit have tanked. I keep seeing loan inquiries, bank inquiries and utility billing worries on my credit report and I need blocker put on there immediately to keep this mayhem from going any further. We have contacted the local authorities file reports as well as contacted the FTC
Product: Debt collection

I have NEVER received a bill from XXXX  XXXX regarding this debt from 2022. I had no idea I even owed them any money until I received the paper from Collections USA 2 weeks ago ( 2 years later after the procedure ). Last week all of a sudden this hit my credit and knocked my credit score down majorly. I no longer have the same insurance that I did back then so I have no answers as to why my insurance didn't cover this huge bill. I've always had good insurance that has covered most of my procedures or appointments.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate late payment marks on my XXXX XXXX account that appear on my credit reports from XXXX, XXXX, and Experian. These late payments were incorrectly reported during the early months of the XXXX pandemic when I was provided a forbearance or grace period under the federal emergency mandate. 

Dispute Details : Creditor : XXXX XXXXXXXX Account Type : [ Credit Card/Loan ] Disputed Late Payments : XXXX and XXXX late marks during the federally mandated stay-at-home period Issue : XXXX XXXXXXXX granted me a forbearance/grace period due to the XXXX emergency, and during this time, late payments should not have been reported as delinquent. 
Violation : Reporting these payments as late while a forbearance or hardship agreement was in place violates the CARES Act and the Fair Credit Reporting Act ( FCRA ). 
Legal Basis for Removal : CARES Act ( XX/XX/year> ) : Creditors were required to report accounts as current if a consumer was granted a XXXX accommodation and met the terms of that agreement. 
FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Creditors must provide accurate reporting, and failure to update accounts correctly violates federal law.

FCRA 1681i ( a ) ( 1 ) ( A ) : Credit reporting agencies are required to investigate disputes within 30 days and correct inaccuracies. 
Requested Action : Immediately remove all 30-day and 60-day late payment marks from my credit reports across XXXX, XXXX, and Experian for the affected months. 
Update the payment history to reflect the correct status as current during the forbearance period. 
Provide written confirmation of the corrections