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

I was encouraged to open an account in XXXX in order to cash a payroll check from my employer who uses Chase. My previous check from the same employer resulted in harassment by XXXX branch staff, who refused to cash it, even after making me get the check reissued- ( the employer had to come to the branch and just simply withdraw cash to resolve the impass ). 
I told the account-opening banker that I was surprised when the check wasnt made available in my new account, and asked him to call issuer, since he was standing-by for verification call, but took his insistence it would be made available the next day. Three days later ( XXXX? ) I was inconvenienced to learn that my travel plans would be impacted by the unavailability of the payroll funds, which seemed like an arbitrary decision by Chase, since my employer & i were now both using Chase. ( Chase has done this to me about 4 yeats in the past, with a two-week hold on a verified check. ) Supervisor was unavailable at that branch, so i went to the next closest, XXXX XXXX, and demanded to file complaint with Supervisor. Despite not yelling or using profanity, the banker, XXXX XXXX, seemed offended by me, so i explained why my frustration is high, given the prior context of Chases seemingly arbitrary methodology of withholding clearly-available funds, and stalling transaction holds that are not experienced by the subject at large, & that i visited that branch bc the other lacked a supervisor to document my complaint ; Chase, which enjoys unquestioned uncompetitive market-share in XXXX, seeks to force consumers to accept an opaque and arbitrary policy on transaction holds, since XXXX XXXX provided me with a printed policy that was incorrect for my complaint ( XXXX supplied document is in my records & available upon request ), I assume Chase is not prepared to be transparent in how it conducts business capriciously depending on the member. 
Since this instance, ( where the arbitrary hold on my payroll check affected my holiday travel ), theres been another unrelated hold of funds by Chase, which is why my XXXX rent was submitted late, which could violate my rent-controlled lease, causing me unintentional financial damages. There was no security trigger that would cause ATM to deny funds ( see photo attached ) other than my jerky motions, and stepping away, at the ATM, bc i needed to XXXX, which may have triggered a computerized red flag suggesting a fraudulent withdrawal, all if which i had to explain to my landlord, who already has obtained permits to develop my building, and seeks our eviction to do so. 
i make these statements under penalty of perjury under the laws of the State of California, in XXXX, CA on XX/XX/23 Signed ; XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take 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 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

Account # : XXXX I have noticed several billing errors in the Truth-in-Lending disclosures section of the SIMPLE INTEREST RETAIL INSTALLMENT CONTRACT. 

The first one being the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me.

The next billing error is the down payment on the itemization of the amount financed. The {$700.00} cash payment is in violation of 7 CFR 1436.10 ( c ). The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor.

The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ).

These billing errors may be assumed to be a willful intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT
Product: Debt collection

In the XXXX XXXX XXXX, my identity was stolen and used to open multiple phone accounts with XXXX. My wife immediately contacted our local police department and froze our credit across all three bureaus to prevent further fraud from occurring. 

In XXXX, I received a bill from XXXX XXXX XXXX XXXX that stated I owe l {$520.00} for emergency services rendered at XXXX  XXXX XXXX. The account number was XXXX and the bill ID was XXXX. On XX/XX/XXXX, I informed XXXX XXXX XXXX that I never visited the hospital, never received the services named, was a victim of identity theft and provided them with a local police report which was requested by the representative I spoke with. A response was never received. 

Later in the fall, I received a bill directly from XXXX  XXXX XXXX for {$1300.00} for the same fraudulently acquired emergency services. I contacted the hospital directly and they also asked that I provide my police report. I provided it via email on XX/XX/XXXX and disputed the charge but never received a reply from the hospital despite the representative saying shed escalate it to her manager. 

Ive now received a notice from a collections agency called NCC. They are attempting to collect the {$1300.00}. Today, XX/XX/XXXX, Ive informed them via email that Im a victim of identity theft and have never visited the XXXX XXXX XXXX
Product: Debt collection

I have know knowledge of this debt. i have tried to reach out to the debt collector with no answer.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Need XXXX, TransUnion, & XXXX credit bureaus to correct the following : the alert needs to state that the XXXX XXXX XXXX. shouldn't have any parent or direct plus loans showing on my credit report as consolidated, paid, or owed from XXXX College XXXX XXXX XXXX XXXX, ( amounts of {$12000.00}, {$16000.00}. etc ), due to all direct plus loans for this college being under investigation by the " Borrower Defense Refund Cancellation Dept '', Ombudsman Group/ Federal Student Aid Dept , & the FBI in XXXX , PA . I have case numbers. Once again, the Borrower Defense Refund Dept has  emailed me which I have sent to you, Consumer Finance Protection Bureau in my attachments, showing that I have the right to have loans under investigation, frozen. 
Since the XXXX XXXX XXXX. has npt allowed me to be able to log in to my account repeatedly or go beyond correcting general infor which was done already but not processing, I am unable to communicate with them. Please, note that the notes on my TransUnion & possibly other credit reports are stating some thing other than this. 
Also, I keep receiving emails from all three credit bureaus to check the status of their investigations ; yet, when I go to login, I find myself only spending excessive amount of time on a public, limited time allowed, computer lab ( s ), constantly resetting passwords & usernames rather than actually being able to log in, ( no matter how many attempts & resent passwords & usernames sent ), instead of being able to address my concerns & see the results of investigations. So, please allow & /or make the credit bureaus allow me to respond, ( especially since I was able to receive all of their reports via mail ), which I greatly appreciate! 

Miss XXXX XXXX
Product: Student loan

Nelnet has drawn from the incorrect checking account multiple times now, causing that amount to be overdrawn multiple times. I logged into my account and made sure it is set to draw from the correct checking account, but they keep drawing from the wrong one anyway. I tried to call in, and I was on hold for over two hours before I had to give up and move onto other tasks. I tried to fill out their email form, which took time and sensitive information. After taking the time to fill it all out and give them ample detail regarding the situation, they sent an auto reply to my email saying they are unable to respond because they are too busy. They are wholly unreachable and irresponsible.
Product: Payday loan, title loan, or personal loan

A lady named XXXX XXXX called and said I had a case against me and told me that they would take me to court even gave me a case number at the end of the call, told me they were going to call my job and talk to my supervisor about my inability to pay, called my parents and told them about my finical irresponsibility and " wished me good luck '' because someone would come and find me soon. Feel really threatened, like I feel like not only am I a criminal, but made me feel like someone was going to come beat me up and ruin my life.
Product: Credit reporting or other personal consumer reports

I noticed several inaccurate inquiries on my credit report. I tried reaching out and sending letters to credit bureaus and no action has been taken. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX fin XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/XXXX of this year, I was a victim of a scam involving Chase bank. They stole XXXX dollars from my wife and I.
Product: Debt collection

This account suddenly reported on my credit and I have no idea what it is as XX/XX/XXXX has been paid so this can not be truly a XX/XX/XXXX bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of TN a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of TN. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.
Product: Credit card or prepaid card

On XX/XX/22 XXXX purchases a blue bird card for personal use when I informed the rental company to Charge the card on XX/XX/22 I was informed the card was Declined. the next day I spoke with XXXX about the situation I was told it was Declined cause I use it Immediately. I then stated whats the Use  of purchasing a Prepaid card for if you can not use it immediately thats the Purposes. then XXXX Pretend to contact the company told me on that day the company said Since I was using the card immediately it would take 30 days? Still no reimbursement pass 30
Product: Debt collection

The medical debt was covered by XXXX. I have insurance and I provided the information to the hospital
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. None
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete all the accounts violating the FCRA and reporting inaccurate information
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX/ {$320.00} / XX/XX/2022 ILLINOIS XXXX XXXX XXXX/ {$1500.00} / XX/XX/2022 Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence, I want this to be deleted from my credit report.
Product: Debt collection

I 'm going thru identity theif this is not me their    XXXX   more than this and it 's really affecting my lively Hood i w as living in my own home at the time this any a few more debts were put in my name is their a way we can fix this asap plz hard working mother of  XXXX  need fix this quick
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX. I've reached out to XXXX several times, and here 's a few dates to name a few, over the last couple of years. Some of the dates being, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, for the balance of {$6500.00}, to name a few dates. Each time they sends me a later which states they don't have the loan or any information. I've asked you'll for help before because this is reporting on my credit report. Not only is it an error on my report but it's being reported as a charge off several times which makes the account stay longer because it's being re aged and that's illegal. 

This is a formal complaint that they're reporting inaccurate and incomplete credit information. 
This following information has been included in my credit profile and that the procedures have not ensured maximum possible accuracy in the reports they've published. Credit reporting laws require bureaus to report only fully accurate information, and every effort must be made to ensure its correctness. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in reporting. Please DELETE this misleading information and supply a corrected credit report.
Product: Credit reporting

Equifax , XXXX and XXXX are not honoring FCRA 605B requests to block entries by Identity Theft. Instead they are opening an " investigation '' with the furnishers ( a dispute ). FCRA 605B requires the CRA to block the entries within 4 business days. The CRA is not to open an investigation or dispute with the data furnishers. This is a block and the action is limited to blocking the entries. There are XXXX items required for the request : 1. Identification of consumer. 2. ID Theft affidavit. 3. Statement that these entries are the result of ID Theft. 
When refusing the block they send out a generic letter - there are only XXXX reasons they can refuse the block : 1. Request made in error. 2. Materially misstated the facts. 3. The consumer received goods or services. They are required to provide a specific detail on why a refusal to block is made ( which they are not doing ). How could they investigate any XXXX of these XXXX items within 4 days or have the ability to gain evidence to support a refusal? So, they are refusing as a matter of policy - which they do not have legal authority to do. 

The CRA 's are also requiring a police report before taking action which is NOT required in the law.
Product: Debt collection

On XX/XX/XXXX RAS LAVRAR LLC, went into my daughters account and put a legal order debit on it, I have a XXXX XXXX Bank. My daughter is XXXX years old and she's the primary account holder I'm just the co-signer because she's a minor. This company said that they sent me to court and I had not received any notification and this is not right. I'm currently living on XXXX XXXX, XXXX and that account I had it open in XXXX, XXXX. I opened it up on XXXX with XXXX XXXX XXXX  and this account I closed it on XXXX. I really need help because I don't think this is correct and something is wrong here and this company haven't try to do anything either to contact me or help me to resolve this matter. I spoke with XXXX ext XXXX, the number XXXX