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

I opened a Checking and Savings account with Citi bank in XX/XX/2020. The had a promotion " LIMITED-TIME OFFER EARN {$700.00} when you open new eligible checking and savings accounts and complete required activities ''. I have completed the required activities. I have waited required 60 days ( time to maintain XXXX balance XXXX +90 days ( time to wait for the reward ). I deposited these funds on XX/XX/2020. 

Their " online chat '' representative said this : " I see that you deposited the funds within 30 days from the date of account opening and maintained them for 60 consecutive days. 
... 
The bonus will be credited into your account anytime within the 90 days from the date of completion of the 60th day. 

That is you will be receiving the bonus within the end of first week of XXXX. 
... 
I see that the deposit is made on XX/XX/2020 and it is cleared on XX/XX/2020. So the period ends by the first week of XXXX. '' It is now XX/XX/XXXX. Even using their " cleared '' date, the waiting period has now exceeded the advertised 90 days. I still do not see the {$700.00} in my account. These dates are not difficult to calculate. They are clearly not following their own terms of the agreement.
Product: Credit reporting or other personal consumer reports

I checked my equifax credit report and their reporting inaccurate information on my credit report. I created an account online and disputed the information XXXX and XXXX. I uploaded my drivers license, social security card and a copy of my bank says showing my current address and my current address still hasnt been updated. They are reporting gals and inaccurate information to creditors that is giving me a denial of credit because the creditors cant verify my current address on file because of this inaccuracy. Also, when I tried to log back into my account they blocked access so now I cant log into my account to follow up on any dispute.
Product: Debt collection

Before all of this, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. I am filing to formally dispute the information contained in my credit report, specifically regarding the accounts below. Upon noticing inaccuracies in my report, I took it upon myself to reach out to the creditor to request validation of the debt, but to my disappointment, they failed to provide any supporting documentation. My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of these accounts being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with these accounts from my credit report. Please remove the negative status and late dates of these accounts : DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, DEPT OF EDUCATION/XXXX  XXXX, and DEPT OF EDUCATION/XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disuputing all incorrect information on my credit report with Experian. checking my file alot of data is invalid an is hindering m file. I'm intrested in updating all data to clear my report.
Product: Checking or savings account

In XXXX, XXXX, I notified Bank of America that I am a victim of identity theft, based on emails that I received stating that a Bank of America account was opened without my consent. I requested that BoA close the account, send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I also asked that XXXX send me a letter explaining your findings and actions. I still have not received any written confirmation of these actions from BoA XXXX XX/XX/XXXX, I again received emails from Bank of America stating that an application for an account was approved, and another account was opened using my personal information without my consent.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Visa for their gross mishandling of a dispute related to charges from XXXX XXXX XXXX. Despite clear evidence of fabricated documentation and serious misrepresentations by the merchant, Visa overturned a previously resolved dispute in my favor, resulting in significant financial harm and emotional distress. 

Summary of the Complaint : Acceptance of Fabricated Documentation : Visa accepted documentation from the merchant that was clearly erroneous and unrelated to my transaction. The documents included another individuals name and address, incorrect service dates, and a forged signature. This should have been identified as fabricated during Visas review process, yet it was inexplicably accepted as valid. 
Misrepresentation by the Merchant : The merchant, XXXX XXXX XXXX, misrepresented themselves as a moving company when they were actually operating as a broker. This crucial information was never disclosed to me, leading to a significant misunderstanding of the services I was engaging in. Visas acceptance of their documentation allowed this misrepresentation to go unaddressed.

Unjustified and Inflated Charges : I was provided with an initial estimate by the merchant, which was later doubled without any justification. Despite providing evidence of this price gouging, Visa still sided with the merchant, demonstrating a lack of thorough investigation and disregard for fair consumer treatment. 
Overcharging for Supplies : I was overcharged for moving supplies that were either not used or incorrectly categorized, leading to inflated costs. Visas review process did not properly address this, further exacerbating the financial harm I suffered.

Failure to Provide Agreed Services and Missing Items : The merchant failed to provide the agreed services, including unpacking at the destination, and several valuable items were missing upon delivery. Despite providing detailed evidence of these failures, Visa ignored these issues, leading to an unjust decision against me.

Impact on Me : Visas acceptance of fabricated documentation and their failure to properly investigate this dispute have caused me significant financial loss and emotional distress. This experience has severely undermined my trust in Visas ability to protect consumers from fraudulent practices. 
Requested Resolution : I am requesting that the CFPB investigate this matter thoroughly. I seek a re-evaluation of my dispute, expecting that Visa will correct

its mistake and refund the disputed amount. I also request that the CFPB ensure Visa implements more rigorous review processes to prevent such failures in the future.

I am prepared to provide any additional information or documentation the CFPB may require to support this complaint. 

Thank you for your attention to this serious matter. 

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

Check my credit report and saw fraudulent account in collections
Product: Credit reporting or other personal consumer reports

I have called this company several times to no avail. The calls are outsourced to the XXXX and nothing ever gets solved, I'm always getting transferred to multiple people that still don't help after they verify me, when I have given all of my sensitive verifying information, they say they are not the right department, say that they will transfer me to the right dept, that dept picks up and then the whole cycle continues and I've gotten no where. Chime opened up a secured account without my consent. I had it closed but they are still reporting to the credit bureaus that it's open and that the credit limit is {$160.00} and of that {$160.00} was used and therefore, my fico scores have been low because of this for quite some time now. I want this company held responsible for not having reps that can actually solve complex concerns, for opening this account without my consent, for reporting to my credit file errors, for reporting to my credit file in general. I want someone to take care of this and no one has been able to, which has led to numerous phone calls, time spent and personal credit damage.
Product: Checking or savings account

My wife and I had multiple accounts opened up at Wells Fargo Bank fraudulently in early May. I looks like a total of 5 accounts. 

We have tried numerous times to get the accounts closed and to try to understand what happened. We have had to endure incorrect information, multiple telephone calls to different departments and have yet to get clean closure in writing for our satisfaction. 

We are very concerned that a bank can open up a checking account without proper verification and believe that Wells Fargo needs to change their account opening procedures. 

We are very concerned that our compromised information will be further misused and want to get more information about how this happened. We have purchased a monitoring service on our credit and identity and while we have not seen any money disappear we are looking for answers to try to fix this. We are in new territory and thought that Wells Fargo would help us out but they were more of an impediment than help when I believe that their faulty procedures contributed to this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/Nelnet is reporting 20 different accounts each with XXXX, XXXX & XXXX, with a late payment in XX/XX/2019. All of these accounts were in forbearance until XXXX of XXXX and then consolidated in XX/XX/2019 and paid in full. They were never late, and then paid in full and should show no derogatory indicators. Between the 3 bureaus, they are reporting 60 derogatory indicators. I have disputed with all 3 bureaus. XXXX marked them as included in my ch XXXX bankruptcy that was done in XX/XX/2019 AFTER this loan was paid in Full ( WRONG ). XXXX & XXXX   marked that they were confirmed as reporting correctly & changed nothing ( WRONG ). I have attached documentation from the department of education showing these loans were in forbearance while I was in ch XXXX bankruptcy from XXXX & then were placed in a forbearance & did not enter repayment until XX/XX/2019. They were paid in full through consolidation on XX/XX/2019. This issue is shredding my credit & I need it corrected immediately. The servicer ( Nelnet ) needs to check with the department of education and correct the dates in their records because they are wrong.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXX ], I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Experian 's failure to uphold consumer protections under the FCRA. 
Complaint # 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 timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tuesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax, XXXX XXXX XXXX, XXXX, GA XXXX. 

Concerning : Account numbers : XXXX I asked you to authenticate my debt in accordance with the Fair Debt Collection Practices Act, but all you sent me was an itemized list of the alleged sums. This violates FTC debt validation requirements. 

In XXXX XXXX XXXX, the Indiana XXXX XXXX XXXX ruled : 1692g ( b ) ( emphasis added ). XXXX ' attorney XXXX sent XXXX a letter on XX/XX/XXXX, 19 days after XXXX 's debt collection letter, saying XXXX " disputes your debt collection-related claims, rejects them, and requires strict proof and verification. '' XXXX. After receiving the letter, XXXX should have halted debt collection. XXXX violated 15 U.S.C. 1692g by securing a default judgment against XXXX before mailing her proof ( b ). 

XXXX argues no FDCPA violation happened because he " gave sufficient documentation of the debt [ to XXXX ] '' XXXX Response XXXX argues that an attached copy of XXXX ' consumer credit contract with XXXX XXXX is sufficient proof of the obligation under 15 U.S.C. 1692g ( b ). Nope. 

The contract lacks debt proof. The publication reveals XXXX ' loan, including the 17.99 % yearly interest rate and {$2500.00} total amount. The loan agreement contains no record of XXXX ' payments, the dates of those payments, the accrued interest, or any late penalties after she ceased making the mandatory installments. 
When XXXX sent the debt collection notification, the outstanding contract total was {$350.00} more than the original loan amount. XXXX violated 15 U.S.C. 1692g ( b ) by failing to get a default judgment against XXXX after XXXX contested the obligation but before XXXX mailed XXXX documentation of the debt. The trial court 's summary decision for XXXX is reversed. 

My credit report still shows this collection action. You've broken the FCPDA and face fines of {$1000.00} plus actual damages and attorney 's fees, which I can recover in small claims court. The potential damage from these collections on my credit report is thousands of dollars. 

Publishing incorrect information to major credit bureaus may constitute character defamation, as the negative marks on my credit report degrade my credit and prevent me from enjoying excellent credit 's benefits. The FCRA forbids erroneous information on my credit report. If you don't erase this account from my credit record promptly, you'll be fined {$1000.00}. Your legal team will certainly agree that failing to comply could put your company in legal trouble with the FTC and other organizations. 

I intend to proceed with the lawsuit if I do not hear from you within fifteen days. I really anticipate hearing from you. 

XXXX XXXX
Product: Checking or savings account

I have an account with Citibank and use XXXX to transfer money between myself and my son at another bank. I was shocked when, without notice, Citibank froze my account without contacting me. When I called, they could not explain why the account was frozen and they have informed me that they are closing my account without any explanation. Now I cant receive my paycheck this week and I am being harmed financially. This is unconscionable and a completely unfair banking practice that should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

During coronavirus last year I made payment arrangements for my auto loan with Nichloas finacial. I have noticed that they added three late payments from last year. They have had different employees but I spoke to someone each time to arrange a payment with them. One of their employees set a automatic draft for the XXXX when I told them the XXXX because that is when I get a direct deposit from XXXX. XXXX. It was not my fault because of the arrangement that was made by their employee was for the incorrect date. I have previously disputed the late payments but have not been successful. Please help me to get them removed they are incorrect. I am a XXXX veteran and this has really affected my credit.
Product: Credit card or prepaid card

On XX/XX/2020 I made a payment of {$1000.00} from my checking account that was cleared and cashed by Synchrony Bank/JCP credit card company. 
On XX/XX/2020 I received my bill in the mail that stated that I never made a XXXX payment, never reflected my {$1000.00} payment, and additional charged me {$56.00} in late fees and added interest to my bill. Calling the creditor they stated they never got the payment and would need proof from the bank that reflected this payment and withdrawal from my account. 
On XX/XX/2020 A Fax was sent to the creditor from myself with all documentation from the bank that was requested proving that {$1000.00} funds was taken out of my account from Synchrony Bank/JCP on XX/XX/2020. Additional I proved the bank branch information if any additional information was needed about these funds taken out of my account. I also called to ensure that the fax came through and that Synchrony Bank/JCP received this information. 
On XX/XX/XXXX I received a phone call at my home from Synchrony Bank/ JCP stating that my XXXX and now my XXXX payment ( Due on the XXXX ) were now OVERDUE and they were demanding payment. After talking to the representative I was told that IF they did except my payment of {$1000.00} ( which they haven't yet ) I would still own them {$690.00}. in total before my bill was paid in full. 
On XX/XX/XXXX a check for {$690.00} was sent in the mail for the full amount in order to pay off my account. 
On XX/XX/XXXX that check for {$690.00} was cashed and cleared. 
On XX/XX/XXXX I talked to Synchrony Bank/ Jcp and was informed that still have not " found '' my payment of {$1000.00} and even if the do find it they I would have over paid my account and they would owe me {$88.00}. I talked to a XXXX XXXX ( A " manager '' who would not give me his last name and requested that I re fax all of my paperwork regarding the {$1000.00} payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted several equifax via phone and via letter to let them know that they are reporting an incorrect address for me. I have submitted identity proof and a copy of my bills showing the correct address however they continue to report the incorrect information. For some reason they show that my address is in XXXX Florida however I do not live in XXXX or in Florida. I have wasted over 15 hours trying to fix my address and they continue to report it incorrectly.
Product: Debt collection

It has come to my attention that the Company PORTFOLIO RECOV ASSOC has acquired the account due to material misrepresentation, fraud, and Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor failed to legally obtain consent to sell, transfer, or disclose any account information with your company or any other non-affiliated third party as mandated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information constitutes an unfair method of competition and unfair & deceptive acts of FRAUD. When fraud leads to the formation of a contract, the contract becomes unenforceable, and the defrauded party may void it upon discovery of the fraud. Thus, it is hereby notified that upon discovering FRAUD associated with the contract between the consumer and the original creditor, the contract is now VOID. Consequently, ANY and ALL consent to possess, use, and share private information obtained by, through, or from the contracted original creditor is hereby REVOKED, TERMINATED, CANCELED, and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed The following inquirys are fraudulent inquiry 's and NOT related to ANY account originated by me and must be DELETED immediately as a result of identity theft. Specifically, pursuant to 15 USC 1681c-2. I have filed a complaint with the Federal Trade Commission as well ( REF # XXXX ) The erroneous accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX, DES Child Support Enforc. Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian has continued to report an inaccurate and unverified bankruptcy that has no accounts included to support it. I have sent in notarized dispute letter after dispute letter with a document from the court stating that the federal bk court does not furnish any information to credit reporting agencies. XXXX XXXX is suppressed. They will not provide me with any verification of proof that I have requested. One rep from Experian told me over the phone while checking on a dispute that they don't have to provide anything to me. I said that's a violation of section 609 and you have up to 15 days to delete this bk but she did not.
Product: Vehicle loan or lease

1. Santander Consumer USA XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX did not reported to the Credit Bureaus that the car I co-signed a loan for was returned after the last payment on XX/XX/2018. Santander also sent a fraudulent letter to my advocates email in which all my private information was included. Today when she called, they refused to speak with her even though she has POA on me and after they already violated the privacy rules under the Fair Debt Collection Practices Act. 
All I need is that they remove me from the credit bureaus. 
Thank you