23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was recently going through my bank statements after a charge was denied and I knew I should have had the funds in my account. After finding out that I had a fraudelent charge on my account I started going through my past statements and I discovered that over {$7000.00} Had been stolen. I filed a claim and waited on a response. My claim was denied because they say my actual card was used in the withdrawals that took place. How can this happen? I know no one ever had my card in their possession. And it had charges from a casino and other states I have never been too. I want my money back asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon securing a copy of my Credit Report from XXXX, I immediately investigated it and noticed that there are erroneous accounts reporting on my Credit file. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 and Section 605B, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. The accounts below are showing inaccurate information on my credit file report as the debts on each account is not mine : Account XXXX XXXX Account XXXX XXXX  Account XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, KY XXXX since XX/XX/2000 until Present. No valid information of mine is associated with any additional addresses that may be reporting as mine. The company from Account # XXXX, Account # XXXX and XXXX XXXXXXXX has failed to provide a valid wet signature or 1099 C form sent to me. The status of each account should be closed due to required deletion as the debt is not mine. These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY! This process through CFPB has documentation proving that XXXX, XXXX and Equifax have Identified me as XXXX XXXX XXXX also known as XXXX XXXX XXXX. Yet each company has recently failed to report accurate credit information. Each document specified each consumer agencys response consistently requesting identification after previously verifying my identity which caused monetary losses up to {$40000.00}.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my account with your institution, [ Account Number ]. I have noticed several discrepancies on my credit report and would like to dispute the information being reported by your company. 

Firstly, my account with XXXX XXXX [ Account Number : XXXX ] was reported as having a late payment. However, I have never missed a payment with this institution and this late payment is not accurate. 

Additionally, I have a collection account with XXXX [ Account Number : XXXX ], which I have no knowledge of. I would appreciate it if you could provide me with more information regarding this account. 

Furthermore, I noticed that XXXX XXXX XXXX [ Account Number : XXXX ] and XXXX XXXX [ Account Number : XXXX ] were both reported as charge off accounts. I had previously worked out payment arrangements with these institutions and was not informed that they would be reporting my accounts as charge offs. 

Moreover, the account with XXXX [ Account XXXX : XXXX ] was reported as a charge off account as well. However, I had been making payments towards this account and was not informed that it would be reported as a charge off. 

Lastly, I have noticed collection accounts with XXXX CREDIT [ Account Number : XXXX ], XXXX [ Account Number : XXXX ], and XXXX XXXX [ Account Number : XXXX ]. I have no knowledge of these accounts and would appreciate any information you can provide. 

I would appreciate if you could investigate these discrepancies and make the necessary corrections to my credit report. Thank you for your attention to this matter. 

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

Spoke with XXXX regarding ex spouse being in contempt for not refinancing after divorce. Last signature from me was XXXX. I contact XXXX again after credit report showed a loan modification. XXXX informed me ex XXXX XXXX obtained a loan modification but how could a legal loan modification be conducted and provided without my signature or knowledge. XXXX XXXX was asked repeatedly to remove my name, I'm not on the deed, and the order was for XXXX XXXX to refinance in XXXX. XXXX XXXX is purposefully damaging my credit. Now, I have no other recourse but to obtain legal assistance that adds additional stress on my family to investigate disrupting my business, studies, duties as a caretaker and provider. The last signature XXXX received from me was XXXX, so how has XXXX XXXX obtained a modification?
Product: Checking or savings account

On XX/XX/XXXX I deposited a cashiers check into my chase checking account via my local branch office. It is my impression that a cashiers check functions the same as having live cash on hand. The teller at the bank informs me that my deposit has been placed on an extended hold and that when I call into customer service that I will be able to have the hold released being that XXXX will be able to verify the funds. When I called in XX/XX/XXXX I was met with opposition. I was informed that XXXX has been having issues with XXXX and that even if they did call XXXX to verify the funds that XXXX would still not be able to release the hold/funds due to limited information being provided. I feel as though XXXX does not value me as a consumer or my business. As I told the representatives, if I decided to deposit XXXX into my account of cash, would you all place that on hold for review as well? I feel as though my integrity and financial literacy is being questioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting act XXXX this account below has violated my rights according to 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. 

Please delete this account from my credit report. 

1. Account Name : XXXX Account # XXXX
Product: Debt collection

I contacted Capital One first I put my last  4  of my acct in collections in and got connected to  XXXX . I told them could we agree on a price and get my acct PAID TO DELETE on my acct. They then told me that they do not report to the Bureaus, Capital One does so I would have to call them and they gave me the number. I then called, Capital One back, spoke with the  1st r ep which said they would help then connected to the second rep in collections and I requested what I told the rep with  XXXX  a Pay to Delete settlement. Well they said they will report Settled debt but do not honor PAY TO DELETE. Now I know they can do it but they are giving me a hard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a subscriber to the XXXX, XXXX, and TransUnion credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, XXXX, XXXX, and TransUnion. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my XXXX, XXXX, and TransUnion consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with XXXX, XXXX, and TransUnion. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 3 ) TransUnion [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!
Product: Money transfer, virtual currency, or money service

I am tiling 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 this violation. On XX/XX/scrub> 2024, I sent a cashapp transaction of {$140.00} to a user in order to purchase tickets for a XXXX XXXX game. I received the tickets however they were fraud. I contacted cash app and was unable to get ahold of them after trying over and over to reach them and never heard back about my transaction. I do have screenshots to support my transaction.
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 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated a transfer ( XXXX ) of {$3100.00} from my US account to my international account. 

On XX/XX/XXXX I received a notification that the transfer had been completed. As of XX/XX/XXXX, the money has not been delivered to the account. I have provived Remitly with copies of my official bank statement that show the money was never received.They claim that they spoke with my bank and that my bank told them the money was received. I asked them for copies of these communications with my bank ( They refuse to provide them ) because my bank told me they have not been contacted by Remitly, and they have not received any funds from Remitly. 

I have called Remitly on XXXX different occations and have been told different stories about what's going on, including : A ) The transaction is complete and I'm mistaken B ) My bank is closed ( lt 's not ) C ) Remitly will email their partner and get back to me ( they don't ) D ) Remitly is conducting an investigation and I'll hear back in 24-48 hours ( l never hear back ) I have checked with my bank multiple times and have checked the account multiple times. They money simply isn't there. My bank statements don't show the transaction anywhere and my bank tells me Remitly never transfered these funds. 

I have asked Remitly repeatedly to provide me with the emails they claim to have received from my bank stating the funds were deposited but they can't/wo n't. I have also asked to speak with the " internal department '' conducting the " investigation '' but have been told that I can't speak with them and that they will contact me once the investigation is completed. Each time I have been told that the investigation will take 1-3 days and I never hear back at the end of the 3 days. When I call or chat with customer service they repeat all of the above again. 

Last week I was told the final investigation would be completed and I would get a resolution today XX/XX/XXXX. When I called today I was told all of the above again and now they are supposedly conducting a new investigation. 

The {$3100.00} was meant to be a mortgage payment for my mom 's house. The bank is now charging late and overdraft fees because the money is not in the account for them to withdraw so Remitly is not only refusing to deliver/refund the funds but they are also costing me time and money.
Product: Mortgage

I have made multiple attempts to correct this directly with mortgage company. I have a conventional mortgage with Community Loan Servicing I have made multiple additional principal payments that have not been applied to the principal balance. When I utilize their online payment system I choose for payment to be applied to principal only. There are several payments that show a suspend status. We have made {$15000.00} in principal payments and my principal balance hasn't lowered by much. Please contact me XXXX to discuss further.
Product: Debt collection

The account was paid prior to the account been sent over to the collection agency " Professional Debt ''. 

I have disputed the account and asked for proof and have yet to receive any. 

However, I have proof from the original creditor, per statement dated XXXX/XXXX/2022, showing proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX, Paid before colections, paid as agreed, and current. PLEASE DELETE.
Product: Checking or savings account

In XXXX Citibank sent me notification via text and email about charges and asked if I authorized them. I relayed to Citibank that I had not authorized the charges and was told the charges would not be approved and Citibank would get in touch with me. Citibank never got in touch with me so I contacted them and was then informed that almost all the funds were missing from my account. I received numerous reasons why the funds were gone. Citibank first told me I withdrew the funds to the tune of almost {$11000.00}. I asked for verification of this as there was no way I withdrew the funds and there had to be video and some kind of ID verification surveillance of whoever did this. I was then told it was a mobile withdrawal via apple pay, when I countered with XXXX XXXX does not let you withdraw such a high amount, they told me they would look into it. Again Citibank never contacted me, I contacted them and was told the funds were found in a account called XXXX, which I never authorized. I then informed Citibank that I want my funds back ( both ) that were not authorized in the alert they sent me about a pending transaction and my funds being placed in what I learned is their own investment banking which I never authorized. Citibank then said they would close the account and send the funds. Citibank said they sent the funds in XXXX which I never received no one signed for them and they could provide no proof of delivery. I requested to stop payment on the funds which they told me they did and would resend. I never got the resent funds. I called Citibank almost weekly, I went into the office and each time I was given the run around and told they were still looking in it! What was being looked into for resending funds? When I went into the bank they said they could not release the funds and would call the department that had access to the funds but could not reach anyone. To the point even the branch manager at Citibank couldn't reach this department that was to send me my funds! I found out through one of my numerous calls to Citibank enquiring about when I would receive my funds information about complaining to the Executive Unit which is supposed to directly report to the president. I sent this unit all my details and my complaint and guess what? Didn't hear from them either ( maybe once without me reaching out first )! I have record of four months after logging my complaint with the executive response unit is that they released funds on stopped checks, two months after the check was stopped! They then asked me to sign a stop payment form ( six months after the fact ) on the checks, knowing they were cashed and knowing a stop payment was done in XXXX prior to the checks being cashed. The checks were cashed two months and a day later after I filed my complaint with the executive response unit! and after a stop payment was issued!!! The signature didn't even match and it appears it went into some marketing place not even a bank!!!! I want the full amount that Citibank owes with which is to the tune of over XXXX!!!
Product: Money transfer, virtual currency, or money service

I transferred money using online westering Union website to a family of mine who reside in XXXX on XX/XX/2021. First, I didn't look at the exchange rate and just sent the money through wester union. The western union exchange rate was XXXX XXXX per XXXX USD. However, after I sent it, I went to look the exchange rate right after and the exchange rate was XXXX to XXXX XXXX Birr. I called to asking why and they told me the exchange rate can changed in a minute. How in this world the exchange rate can be lower by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I began disputed non factual information on my credit report and illegal practices of dept of education/Nelnet on XX/XX/2023. They claim that they are not in violation which they are along with equifax XXXX and XXXX. XXXX has a contract with department of education which violates my privacy and several consumer rights. Proof is a letter they sent XX/XX/XXXX they state they dont have to disclose the right to opt out when 15 USC 6802 ( b ) A states that a financial institution can not disclose non public information to a 3rd party unless they allow the consumer information and opportunity to consent which i the consumer never did. The cra are 3rd parties furnishing private information on a public record. These accounts need to be removed. Also all 3 bureaus are NOT reporting the same information on the same accounts which is another violation. XXXX and XXXX are still investigating the matter meanwhile equifax falsely claims to have investigated the matter. Each bureau should be on the same accord. XXXX and XXXX report late payments which is a violation of FCRA to furnish late payments because they are considered transactions. XXXX has a higher balance where XXXX and equifax doesnt. This was not a matter to investigate. It should cease and desist from furnishing private information to a public third party without my consent or option to opt out. How did Equifax make a decision before XXXX. Equifax closed their investigation XX/XX/XXXX meanwhile XXXX made their decision XX/XX/XXXXXXXX XXXX XXXX