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

On XX/XX/XXXX our firm issued a check in the amount of {$10000.00} drawn on our Chase checking account for XXXX 's rent. It was payable to XXXX XXXX XXXX. On or about XX/XX/XXXX I received a telephone call from XXXX  XXXX XXXX ( paying bank ) questioning intended payee. They acknowledged that the check was payable to XXXX XXXX XXXX  but had been endorsed by and deposited into an individual 's account. XXXX   recommended that we contact Chase 's Fraud Department which I promptly did to request credit to our account for this check which they acknowledged had not been properly endorsed. At about this time the Landlord questioned why rent was not paid so we were obligated to issue a second check for {$10000.00} expecting Chase, upon reviewing the check they had improperly paid from our account ( the check was endorsed by an individual, not the payee, a national bank ) they would promptly credit our account. This they failed to do. Instead they embarked on a process to delay addressing our claim. Instead of promptly making available their " required claim forms '' Chase delayed for weeks in providing them. They were provided on XX/XX/XXXX and submitted on that date. On XX/XX/XXXX Chase requested that same form be resubmitted. On XX/XX/XXXX Chase advised it would take 90 days to resolve. It is clear that both payeeing bank and Chase acted in violation of the UCC and our deposit agreement with Chase in paying this check without checking the endorsement and thus paid over an improper endorsement. Apart from being out over {$10000.00} we are aggravated by the fact that Chase has taken the position that our firm acquiesced, to reduce their costs and thus increase their profitability, in their assuming the business risk of not checking endorsements and thus we have no basis for complaint with respect to the 60 days taken so far in crediting our account in spite of the fact that Chase 's policy was at variant with the UCC and their deposit contract with us.
Product: Money transfer, virtual currency, or money service

On XXXX I received a notification that my account has been closed and pending disablement. In the email Coinbase stated, " We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business '' ... " As a result, weve unfortunately had to close your Coinbase account. '' I 'm a lawful citizen of the United States and and currently reside and employed inside the states, and my account should have not been closed.
Product: Debt collection

I first learned of the ARS collections accounts associated with me when I received my credit report from a home mortgage lender on XXXX XX/XX/XXXX. There were XXXX open accounts with a total balance of {$2300.00}. These accounts were first opened in XX/XX/XXXX. I first contacted the collections agency Account Resolution Services ( ARS ) on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, I learned from ARS that the address associated with the account, the name, and the date of birth of the person on the account did not match mine -- only the Social Security number matched mine. 

On the advice of ARS I contacted the medical billing firm from which ARS acquired the debt, XXXX, on XXXX XX/XX/XXXX. XXXX did not have any records of charges associated with my name, date of birth, or Social Security number. 

After this, I called ARS to dispute the debt associated with my Social Security number. They instructed me to formally dispute the debt and email them a copy of my driver 's license and SSN card to XXXX. I sent a dispute letter via email on XXXX XX/XX/XXXX. 

I called ARS back on XXXX XX/XX/XXXX to check the status of the dispute. I was told that there was no record of having received my dispute email which I sent on XXXX XX/XX/XXXX, and that there was no one " at their desk '' in the ARS clerical department who could confirm receipt of the email. The agent with whom I spoke relayed advice from their supervisor and told me to call back in a week. I asked to speak to a supervisor and was transferred to an automated answering machine, where I left a message explaining the situation. 

After all of this, I feel that ARS has no intention of reviewing my dispute claim, let alone in a timely manner. The affect of these erroneous, and before now unknown debts has significantly damaged my credit score which has halted my home buying process. The negligence of ARS in this matter has significantly altered my day-to-day life and my ability to reasonably plan for the future.
Product: Debt collection

XXXX XXXX I Original creditor : NAVY FEDERAL CREDIT UNION Placed an already proven fraudulent claim onto my consumer report. They are fraudulently claiming a balance of {$11000.00}, fraudulent Date opened XX/XX/2024 fraudulently past due as of XX/XX/2024. 

fraudulent Status updated XX/XX/2024 Company was contacted however they have not responded and refuse to remove fraudulent account.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX pa XXXX ] [ XXXX ] [ XXXX ] Date : [ XXXX/XXXX/XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX D.C. XXXX Subject : Dispute of Credit Report Entries with TransUnion Dear Sir/Madam, I am writing to formally file a complaint against TransUnion, one of the major credit reporting agencies, for failing to accurately maintain and update the information contained in my credit report. This letter serves as a formal dispute of certain entries, and I request immediate action to be taken to resolve this matter, as stipulated under federal law. 

My Personal Information : Full Name : [ XXXX XXXX XXXX XXXX ] Date of Birth : [ XX/XX/year> ] Social Security Number : [ Last XXXX ] TransUnion Credit Report Reference Number : Disputed Information : [ Here, list the specific items you are disputing on your credit report. Include the creditor name, account number, and a brief explanation of the issue. ] For example : 1 ) Account Name : [ XXXX XXXX ] : Account number:XXXX 2 ) Accounts name : [ XXXXXXXX XXXX XXXX  ] Account number : [ XXXX ] 3 ) Account name : [ XXXX ] Account number : [ XXXX ] 4 ) Account name : [ XXXX  XXXX ] Account number : [ XXXX ] 5 ) Account name : [ XXXX XXXX XXXX ] Account number : [ XXXX Dispute : This account is listed as past due, but I have never missed a payment. The information should be updated to reflect my current payment history.
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 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: Debt collection

This is regarding previous complaint number # XXXX. Collection Consultants of California offered a pay for delete to resolve medical collections as a remedy for disputed collections. I believed this issue was resolved, but there are still 2 collections from Collection Consultants of California that remain on my credit report. One account is being listed on XXXX, and the other is being listed with XXXX. I contacted Collection Consultants of California and spoke to XXXX. She advised me that there was an error made, and that the amount of {$1300.00} was additional and should have been included in the previous complaint. I expressed to her that I thought this was totally unfair and that I thought the previous complaint resolved any open collections. She apologized and stated she could make an additional offer to delete. I did not want to comply because I felt that I was being mistreated. I recently contacted Collection Consultants of California again to speak to XXXX, on XX/XX/XXXX and XX/XX/XXXX and was told she was not available. Both times I was advised that a message would be taken and given to her. I still have not received a return call from her. These medical accounts have affected me negatively for a really long time and I don't feel I deserve this, especially since I did have insurance at the time of the billing. I would like to get this issue resolved once and for all without any accounts showing back up on my credit report.
Product: Credit reporting or other personal consumer reports

Transunion NEVER performs a real Investigation.

Therefore, I have commenced the process of litigation in the federal court system .....

... Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes- stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXX XXXX. 2024 XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX {$6700.00} XXXX XXXX ) XXXX {$3700.00} - XXXX XXXX ) XXXX- XXXX {$0.00}. XXXX ) XXXX XXXX XXXX {$6700.00}. 
I have attached evidence that my identity has been stolen through a company known as XXXX XXXX XXXX, showing that my social security number and date of birth have been compromised!
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Product: Credit reporting or other personal consumer reports

Ive recently received a report of my credit, I am shocked of all the unauthorized inquiries I reviewed upon my report. Based upon the federal law it states that I am promised accuracy information on my credit report. I demand all these unauthorized inquiries should be DELETED from my credit report. Can you help me solve this situation please.
Product: Credit reporting

Transunion continues to report inaccurate information on my credit file. For one, they fail to remove several address that I have asked to be removed from my report. My current address is XXXX XXXX XXXX XXXX GA XXXX and no other address should be on my report. 

They are reporting several public records that have not been verified to include, a Chapter XXXX Bankruptcy and XXXX released tax liens as well as credit account with XXXX. Once I disputed, they updated the information and/or records but failed to verify the information. 

Chapter XXXX Bankruptcy : If a proper verification was completed, Transunion would have known that the public records should be deleted due to verification purposes alone. The Bankruptcy has never been verified as they stated. This is due to the fact that my consumer file with XXXX, whom they claim they verified through, is frozen and thus could not have been. They falsely reported they did, closing my dispute in 10 days and not taking the entire 30 to complete as they should have. 

In regards to the tax liens, according to their own website " A satisfied tax lien remains on your file for up to 7 years ''. One lien was released XX/XX/XXXX ( showing to be deleted XX/XX/XXXX ) and the other was XX/XX/XXXX ( showing to be deleted XX/XX/XXXX ) these accounts should not be on my records for 10 years and should be deleted. 

Transunion continues to violate my rights by falsely reporting they have verified public record information when they in fact have not. I would like these deleted immediately as they are negatively affecting me as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX NY XXXX
Product: Checking or savings account

Capitol one is withholding my paycheck deposit and can not give me an estimated time of resolution. I have {$40.00} to my name and cant even buy food or gas. I live pay check to paycheck and can not wait for extended resolution I am owed my paycheck and can not go into the weekend without any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$220.00} ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Very old loan and should not be on my credit report still.
Product: Credit reporting or other personal consumer reports

They ran my credit without consent, and they used the wrong name for me
Product: Debt collection

Credence Resource Management LLC is attempting to collect a debt not owed. Please see attached docements. Futhermore, Credence Resource Management LLC has called me repeatedly causing XXXX, and the XXXX XXXX XXXX XXXX XXXX XXXX. After I explained that this wasn't my account and I have proof that no balance existed the calls continued. I have documented calls and messages on : XX/XX/2021 @ XXXX, XX/XX/2021 @ XXXX & XXXX, XX/XX/2021 @ XXXX, XXXX, XXXX, XX/XX/2021 @ XXXX, XX/XX/2021 @ XXXX which is a violation of the XXXX XXXX XXXX XXXX as my phone number is listed on the do not call registry. I have XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and the continual calling is a huge XXXX  for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) 1726 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX PREVIOUSLY DISPUTED NO PROOF OF INVESTIGATION OR PROOF OF NEGATIVE PAYMENT STATUS PROVIDED
Product: Checking or savings account

this is my 3rd complain regarding bank of america unauthorized transactions i reported to bank of america on XXXX a total of {$160000.00}. the claim was denied on the XXXX after i was told they will investigate it and issue me temporary credit so i can stay open and pay bills that are due. my bank account has been cleaned out. i filled an appeal on XXXX the appeal was denied the next day. i appealed again on the XXXX it was denied the next hour. i asked them why are they denying my claim and i am on the verge of loosing business. they said i was sent 3 text alerts about unusual activates, i told them i did not get the alerts, fraud team said i responded to the alerts, yet i still didn't get them or respond to the alerts the manager i spoke told me if i can prove that i didn't respond to the alerts and fax it to them with another statement they will reopen to claim and issue temporary credit until they further investigate the claim. i logged into my XXXX XXXX XXXX account and showed sent them all the text messages incoming and outgoing and not one of these alerts were responded to by me. it does she the alerts were sent to my number but no outgoing message confirming the unusual activity was sent back to bank of america. thats because didn't receive the alerts. i showed them i have not been able to access the XXXX XXXX or my account. they keep telling me that i authorized the transaction or someone on the account did. well there is no one else on the account or had access to the card. i have no clue what to do because i cant get them to do anything. I get told something different every time i call. and your so called escalating the claim and the min i hang up and call back right away and ask the has my claim been escalated i get told the escalation was closed a few mins ago, so the term escalation in bank of america unfaXXXX practices means close the claim?? is that what the word escalation means?? i am telling you that my business is ont he line and i had to deal with a family member passing away on XX/XX/XXXX a car gets stolen from the lot on XX/XX/XXXX and i was sick in XXXX for 2 weeks and now my business bank account is drained out and i am getting told by the bank that my claim will not be investigated or honored and telling me that i am lying and i did authorize these transactions. lets not mention the fact that everytime i call in witch is daily since XXXX i get told something different every time i speak to someone. please help me resolve this before its too late. i am losing my floorplan companies and my customers need tags and title work done, i just received a little from the florida debt of revenue regarding taxes and that will suspend my tax id and charge me with criminal charges for not paying taxes because i have XXXX money in the account and my bank is not doing there job so please do not ruin my life its already tough enough. i need this fixed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX XXXX XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. 

XXXX XXXX XXXX XXXX XXXX ) do not have any knowledge of this inquiry it should only been XXXX inquiry which it was on the XX/XX/XXXX Gap ( XXXX XXXX ) do not have any knowledge of this inquiry Chase ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inquiries that i did not authorize on my credit report. Upon reviewing my credit report i noticed several inquiries which i did not authorize. the following are : XXXXXXXX XXXX DATED : XX/XX/year> XXXX XXXX  DATED : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$700.00}
Product: Debt collection

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Installment loan XXXX XXXX XXXX : {$870.00} BAL : {$820.00} DEROGATORY ACCOUNT STATUS : CLOSED ACCT # : XXXX CHARGED OFF THE ACCOUNT ABOVE SHOWS BILLING ERRORS OF INCORRECT BALANCE AND ACCOUNT STATUS I have reached out to all XXXX Entitys about this billing error on my credit reports. XXXX, XXXX, & Transunion to fix this matter and remove the account due to the violation of my consumer rights and non consent of my signature approving to furnish my account with these charged off accounts. The entitys have refused to do their actual duties of research in correspondence to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get a response on the Chapter XXXX that is on my credit report with no response