23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Ive used Zelle many time and my Financial is institution failed to properly investigate using Zelle. They informed me that getting my money back was impossible The lack of accountability raises concerns about my safety as far as being scammed in the future.
Product: Credit card or prepaid card

I applied for a XXXXXXXX XXXX XXXXXXXX MasterCard credit card on XX/XX/2018. Card is issued by XXXX XXXX. I was promised a {$45.00} sign up bonus which I never received. Contacted Bank numerous times including XX/XX/2018. They said they will NOT give me the bonus. I believe this is fradulent behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Subject : Request for Deletion of Derogatory Information Under Metro 2 Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as mandated by the Metro 2 Reporting Format. After conducting a thorough review of my credit report, I have identified several inaccuracies and discrepancies that I believe violate the five points of compliance set forth by Metro 2.

The following items are being disputed : XXXX Date Opened/Date Closed/Date Reported In accordance with the five points of compliance under the Metro 2 Reporting Format, I would like to highlight the following concerns : 1. Accuracy : The reported derogatory information contains inaccuracies and erroneous details that misrepresent my credit history.

2. Integrity : The information provided does not maintain the integrity and completeness required by the Metro 2 guidelines, leading to an unfair representation of my creditworthiness.

3. Completeness : The derogatory information fails to provide complete and comprehensive details necessary for accurate credit reporting, creating a misleading perception of my credit profile.

4. Timeliness : The reported derogatory information includes outdated or untimely data that should no longer be reflected on my credit report, as it does not align with the required timeliness of Metro 2 reporting.

5. Consistency : The reported derogatory information lacks consistency across different credit reporting agencies, further raising concerns regarding its accuracy and reliability.

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the Metro 2 Reporting Format in examining each disputed item and ensuring compliance with the five points of compliance.

As per the Metro 2 guidelines, I kindly request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Additionally, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made.

I understand the importance of upholding the principles of accurate and compliant credit reporting. Failure to address this matter in accordance with the Metro 2 Reporting Format may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws.

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting. Please keep me informed throughout the investigation process. 

I appreciate your prompt resolution of this dispute. 

Sincerely,
Product: Credit card

I only have what they sent me. which was dates XXXXXXXX XXXX XXXXXXXX amount XXXX and I was told I was paying XXXX dollars a month, which was being deducted out of my checking account, I noticed the outstanding amount and wanted to know when this transaction or transaction had been made. They have not shown me anything at this time but the amount owed,
Product: Credit card or prepaid card

On XX/XX/2019, Capital One called me to warn about possible fraud on my account. I was in Washington DC, in possession of the credit card, and someone in XXXX XXXX XXXX made seven purchases totaling {$1200.00} in the span of minutes, including two identical charges of {$570.00}. The representative canceled the card and advised me to destroy it, which I did. Capital One just advised me that a fraud investigation found that I did, in fact, make the purchases, because the merchant said my chip was used. I am not sure how the frauds copied my chip, but I have other credit card purchases on both XX/XX/XXXX and XXXX on my two other credit card accounts to show that I was still in DC, until the night of XX/XX/XXXX, when I was already due to travel to New York. I spoke with two Capital One representatives and was told there was no way of appealing the decision or opening another investigation, even though Capital One called me to alert me to the fraud in the first place.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax; XXXX  and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX – partial account number XXXX.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with US DEPT ED, USDOE/XXXX, and US DEPT. OF EDUCATIO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX and DEPT ED, USDOE/XXXX, and US DEPT. OF EDUCATIO with no successful resolution. XXXX   and XXXX are only reporting me late. There was definitely an error on their part. I was never late.
Product: Debt collection

I have attempted several times to get this collection removed that is from XXXX XXXX XXXX or IC Systems IC. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file. I have the signed copy of the FTC if you need it.
Product: Money transfer, virtual currency, or money service

- On XX/XX/2022 I completed set up of a wire template from Chase to XXXX. 
- On XX/XX/2022 I initiated a wire transfer for XXXX usd from chase to XXXX using the approved wire transfer template. The transaction was rejected same day. I confirmed with XXXX  that the rejection had not come from them. Chase refunded the money to my account with no warning, no explanation, no message, and no indication of why it was rejected. I assumed I filled something out wrong ( even though I was fairly confident I hadnt ) and resubmitted, carefully following the template provided by XXXX and inputting all info into the chase form. I resubmitted same day. The money was withdrawn promptly ( as expected ) along with the {$25.00} transfer fee. 
- XXXX no update. Talked to XXXX they still had nothing from chase. At the end of the business day I received a canned response message from chase saying there were processing delays. I contacted chase for more info. 
XXXX no update. I received a response saying I should contact the fraud department. I asked how it could be fraud when I was using the approved form set up weeks in advance? No response. 
- XXXX still no update, no response, and now Im out XXXX $ plus the {$25.00} wire transfer for a transaction that never happened. I would have just done a regular transfer if I had the time to wait. 
- Chase has been generally unhelpful and slow to respond with most things. I believe they are having issues unrelated to myself and my account, and that me and many others are likely being negatively impacted by poor financial decisions by the institution to over leverage themselves as documented in the most recent Quarterly Report on Bank Trading and Derivatives Activities from the XXXX. 
- I am concerned that if I try and move money to another institution I will have more problems.
Product: Vehicle loan or lease

This vehicle was deemed a total loss due to an accident on XX/XX/19. I immediately initiated the total loss process with all parties ( Southeast Toyota Finance, the insurance company, the dealership and the gap carrier ).

I checked back on the online platform for Southeast Toyota frequently to see if funds had been received. I was expecting a cancelled aftermarket product, the insurance settlement and the gap payment. However, the payment due date did not change. I was still expected to make my monthly payments but the aftermarket product cancellation and ultimately the insurance settlement were posted as payments. This is very misleading. I assumed they were " holding '' the funds on the account until all funds were received and could be applied back to the accident date. After I discovered the account was paid off I asked if the funds were posted back to the accident date and had my request denied twice from the lienholder to do so. They have refused to apply my total loss proceeds to principle mostly with the accident date as the date posted. However, the gap was filed from the accident date and the product was cancelled with the accident date. How can they remain on the account for the date those funds were received and it be fair practice? Also, why can those funds only be applied as payments but I am still required to make a monthly payment? Lastly, as it is my loan, don't I have the power to request how those funds are posted within reason?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject : Dispute of Account [ Account Number ] : XXXXXXXX XXXX XXXX XXXXXXXX Inaccurate and Unvalidated Debt Reporting** Dear TransUnion Dispute Department XXXX I am formally disputing the accuracy of account XXXXXXXX XXXX XXXX XXXXXXXX XXXX reporting a balance of {$49000.00} and 32 late payments, as of XX/XX/XXXX. I believe this reporting violates the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ) due to a lack of proper documentation and significant inconsistencies. 

XXXX1. Insufficient Verification : ** In response to my request for debt verification, you provided an unsigned court document [ XXXX, XXXX Received ]. This document lacks the necessary signatures to constitute a legally binding court order, failing to meet the requirements for debt validation under 15 U.S.C. 1692g ( FDCPA ) and California XXXX XXXX XXXX ( XXXX XXXX ). An unsigned document is insufficient proof of a legally valid debt. And I attached the court document and highlighted where the signatures will go to show clearly that there is no signature on this document from neither parent or non-custodial parent. 

**2. Inconsistent Payment History : ** The reported payment history indicates consistent 120+ day late payments for years, despite the account balance supposedly being updated to {$0.00} on XX/XX/XXXX. This discrepancy demonstrates a failure to accurately reflect the payment history and account status as required by 15 U.S.C. 1681e ( b ) ( FCRA ) and California Civil Code 1785.14 ( b ) ( CCCRAA ). 

XXXX. Discrepancy in Reported Balance : ** The reported balance fluctuates significantly without explanation. This lack of transparency and clarity violates the FCRA 's requirement for accurate and complete reporting ( 15 U.S.C. 1681g ( a ) ( 1 ) ).

**4. Other Credit Bureaus : ** XXXX and XXXX have already removed this account from my credit report due to the lack of verifiable documentation. TransUnion 's continued reporting based on an unsigned document highlights a clear discrepancy and further supports the invalidity of this account. 

I demand the immediate removal of this inaccurate account from my credit report. I request that TransUnion provide a certified copy of a *signed* court order and other legally sufficient documentation that validates this debt. Without such evidence, the continued reporting of this debt constitutes a violation of the FCRA and CCCRAA.

I have attached a copy of the unsigned document you provided. I look forward to your prompt response and correction of this inaccurate reporting within 15 days Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX credit reporting agency today X/X/2018 to verify that there are no negative accounts reporting on my credit report. I had a few accounts that did not belong on my credit report and disputed them. XXXX did there investigation and it was confirmed to delete the negative accounts. I am very pleased that it was confirmed there are no negative accounts on my XXXX  credit report however upon checking my kohl 's account there is a history code with a number 1 next  to it which means there was a late payment I resolved this issue with kohls directly months ago and it was agreed they would remove that code which they still did not do. Upon speaking with the XXXX  rep I was advised that some of my accounts are not reporting a history code. I was advised to contact the creditors to ask them to please report the history code on these accounts as they are all accounts that are positive and in excellent standing which helps my credit score. I did not get anywhere so I am complaining to the cfpb in hopes of resolving this issue. The accounts that are not listing my history is " XXXX 's card '' I have 2 accounts with them. Another account is Capital One '' I also have 2 accounts with them as well. Another account is my XXXX/XXXX XXXX/XXXX  accounts that are also not reporting the history. All of these accounts on my part are showing as Paid as Agreed Never Late however on XXXX 's part this information is not showing. I was advised if my credit is pulled they will not see these comments. Which would affect me in obtaining credit. I am doing as I was advised by XXXX.
Product: Vehicle loan or lease

My Lease through XXXX XXXX was coming to and end at the end of the year last year. It showed I still owed XXXX. I tried to pay this using there payment portal but that portal had my account payment ability suspended. 

I inquired about this on XX/XX/XXXX and the response I got was incoherent and basically just call us ( communication included in " Poor Communication '' documents attached. 

Well a little time passed XXXX is a busy month ) and I went to the dealership and got all of the paperwork filed and a loan filed to buy out my lease. So I thought nothing of it. Now I am getting a Late Payment claim on my XXXX credit score. 

I reach out once again to their website portal and the response I get is the same incoherent legal speak and then please call. " Poor follow up and support '' Screenshots attached. 

So I call today XX/XX/XXXXXXXX  and I politely talk to the representative about how I want the Late payment report removed. by explaining the process above. They quickly say they will send me to the " XXXX '' group. 

The am listening to the waiting music and abruptly someone answers with complaints about how they didn't want to answer and how this wasn't there job. I didn't understand but I explained my situation once again. 

They were very rude and argumentative which out of frustration I was in return. Their argument was that I could have payed this many different ways etc. However, I fell like I should not be required to call to make a payment ( which will then give me a surcharge ) because they can not manage their website properly. 

All in all I feel like their customer support is bad and I will likely not buy a XXXX product in the future because of these issues. 

I would like to note that their web services are so bad that even now after my loan is fully paid off and past its end of lease date they have a late payment showing on the website and it shows I need to pay next month. ( see " Past due that is not accurate '' screenshot )
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Spring Oak Capital XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : 2nd Request for Debt Validation and Assignment Contract Dear Spring Oak Capital Account # XXXX To Whom It May Concern, This is my second request for the assignment contract and debt validation documentation regarding the debt you claim to own. You responded to my initial request but failed to provide the necessary documents, specifically the assignment contract showing that this debt legally belongs to you. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are required to provide verification of the debt, including proof of the assignment or sale of the debt to your company. Failure to provide proper validation of the debt, including the assignment contract, is a violation of federal law and could lead to legal consequences.

Additionally, you mentioned that a letter was sent to the above address advising that you are trying to collect a debt. No such letter has been sent or received. Please provide proof that this letter was sent and received by me, including any evidence of mailing and delivery confirmation.

Please provide the following without further delay : 1. Debt Validation : A detailed accounting of the alleged debt, including the original creditor, the amount owed, and any relevant transaction history. 
2. Assignment Contract : Documentation that demonstrates your legal right to collect this debt, showing the chain of assignment from the original creditor to your company.

3. Proof of Communication : Evidence that the letter you claim was sent was indeed mailed and received by me.

If you are unable to provide these documents, I request that you cease all collection activities and remove any negative reporting related to this debt from my consumer report. 
Thank you for your immediate attention to this matter. I expect a response within 30 days of receipt of this letter, as required by law. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have a business checking account with Truist. The account was opened in XX/XX/2022 at the XXXX, Florida location the person who opened the account opened a checking account and a credit card account. Well the credit card application was an issue cause the person who did the application for the account and the credit card didnt enter my social security properly. So the application kept being denied I contacted the branch and the corporate office several times Recently I was getting charges for XXXX  verify which didnt belong to me or my business when I contacted Truist in the middle of XXXX they would not address the issues and the kept getting the run around so I did what I was able to on my end limitations on my business account setting waiting for them to contact me. They didnt and it happened again so I have been battling with trying to get someone on the phone as there was another fraud charge that happened 2 weeks later even though they didnt fix the first one and they still didnt refund my account or credit My Account that first charge they also didnt request and he does additional information. I got no notification know that there is nothing. That was my first complaint the second I complained the same thing happened but this time is a little bit different. This time I havent had access to my bank account my business bank account for seven days I was able to view it online, but in terms of accessing the money they shot my business down. This was the second time that they did this to me. 
New Phone call no notice nothing My bank has been shut down since XX/XX/XXXX no one call me back. No ones here to help me and I am this is my second complaint to you this site as well no one is responding I have XXXX in a business account with Truist and they are denying it is an access to view my account online they close the account down because of the fraud finally, and they reverse the charges I tried to walk into the local branch and I have to make an appointment. I dont even know where I would do that. 
And when I went into my local branch, they were rude, disrespectful and self-righteous. Meanwhile, my business account I cant access and everybody seems to be OK with that. I cant utilize my money when I want to and my bills are being denied because they were automatic bill paste that are getting denied