23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I believe that Circle Internet Financial is in violation of the Electronic Funds Transfer Act ( EFTA ). Circle Internet Financial is responsible for managing XXXX withdrawals that I make from XXXX to my bank. I made XXXX withdrawals prior to XXXX declaring bankruptcy that I was told I would receive in XXXX days. I never received the funds. According to the EFTA, Circle is responsible for Error Due to Failure to Make Funds Available by Disclosed Date of AvailabilityExamples include, late or non-delivery of a remittance transfer. 

I am a customer of XXXX. I withdrew from my cash account balance via the XXXX app, via an XXXX  transactions of approx XXXX, to be sent to my bank account at XXXX XXXX  following the XXXX guidelines, instructions and terms of service XXXX, XXXX  days prior to XXXX declaring bankruptcy on XX/XX/XXXX ). 


At the time, XXXX openly stated on their official website and XXXX page that withdrawals were fully operational and processing. Per my account on both the XXXX website and app, the funds were removed from my account. In addition, I received confirmation on the website, the app, and via XXXX support directly that my XXXXXXXX  ( multiple ) were being sent. I have yet to receive my funds. According to XXXX personnel, once I receive confirmation that the funds are being sent, the responsibility is in the hands of another vendor. According to the XXXX app, By submitting, I authorize Circle Internet Financial, on behalf of XXXXto electronically credit my account at the financial institution indicated by me. Once again, I have yet to receive my funds. I have also not received any update from either of XXXX or XXXX what happened to the XXXX  and/or the status of my funds. 

XXXX is responsible for managing the XXXX process. At this point, almost XXXX  months later, the funds did not arrive at my bank. At my account at XXXX, before the website was taken down, the funds showed as no longer being in the account, as mentioned above. Further, XXXX has stated that once they reach " sending '' status, XXXX withdrawals are no longer in their control. 

Note : I have already provided to XXXX, via a separate email all the transaction details they need to investigate further my XXXX witdhrawals. This includes my email address connected to the account, the date and time of the transactions noting the time zone, transaction amounts, my name, the bank receiving the funds, and the last XXXX digits of my bank account number. This matches ALL of the information they have requested to others in similar cases in order to investigate the status of XXXX withdrawals.
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 XXXX 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 Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit file and noticed the bureau EXPERIAN is reporting The below listed account that was not opened by me, I did not profit from the account having been opened. Policy states ... According to the FAIR CREDIT REPORTING ACT " FCRA '' 605B ( 15 U.S.C. 1681c-2 ) ( a ) ( 2 ) Block of information resulting from identity theft. Block, 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 by such agency they are well aware, of FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. I need them to delete all information which can not be verified. Please have Experian delete XXXX XXXX {$58.00} derogatory remark off my account immediately as it is not mine!
Product: Credit reporting or other personal consumer reports

Capital credit card is not mines and need to be off my credit asap
Product: Credit reporting or other personal consumer reports

Request to Investigate and Remove Inaccurate Credit Report Items under FCRA and U.S. Consumer Laws Details of the Complaint : I, XXXX XXXX, am filing this complaint to request an investigation into the accuracy and legality of the reporting of the following accounts on my credit report. These accounts contain late payment and/or charge-off entries that are potentially inaccurate and/or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Buying Act ( XXXX ), and applicable XXXXXXXX XXXX to request a thorough review of these matters. 

The accounts in question are : 1. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ( Late Payments and Charge-Off ) Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX I believe the information reported by these creditors is inaccurate, incomplete, and/or unverifiable. I have previously disputed these entries with the credit reporting agencies but have not received adequate responses or resolution. 

Request for Resolution : Remove all late payments and/or charge-offs associated with these accounts permanently. 
Provide documentation verifying the accuracy of the reported information. 
Confirm compliance with FCRA, XXXX, and applicable XXXX codes in the reporting of these accounts.
Product: Debt collection

This XXXX account was opened under my name but isnt mine. Filed a police report immediately and spoke to XXXX and they assured me it wouldnt go on my credit since their accounted it was due to fraud. It showed up in my credit I have disputed on my credit report and now the account has been sold to a third party and that account is now reflecting in my credit. This has affected me and they will not remove it from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening. 

I have repeatedly tried to get in touch with SOMEONE at Experian who can tell why I can not freeze/unfreeze my credit report neither online nor via phone. They want me to WRITE A LETTER TO THEM with an INSANE amount of documentation. The fact that we as Americans are forced to use these snake companies is a joke, and now I can't even open my XXXX XXXX accounts because I can't get the freeze off my account without jumping through these ridiculous loops that are going to take entirely too long to send. 

I have my unfreeze number. I input my birthday, SSN, whatever information was asking for because it's not a XXXX fraudulent request. I set the XXXX PIN so that I could freeze and unfreeze as was convenient, not to deal with the XXXX of handling a problem with Experian. 

There have been no actions to resolve this. No support person seems to understand the issue or it ends up with endless transfers. 

XXXX you Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX keeps passing my accounts around and never paid me regarding the data breach. After coaxing me with promised increases on my credit score and utilizing information supplied by XXXX XXXX  ( without consent ) my credit score DECREASED. XXXX is still using my data and account info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My Chime checking account was hacked 3 times in the period of a month and a half. Every time I would call immediately and freeze my card and prove my identity while I waited for my account to be available again. On XXXX the XXXX I had started a transfer of {$250.00} to my XXXX XXXX account. On the XXXX, the final hack, I rushed to get the remaining funds out of my account before the hackers robbed me of it. I spoke to a Chime support member while doing so. She informed me my transfer had gone through and now that I had withdrew the rest it was safe to close my account. Well the transfer DIDNT go through and Chime wouldnt even let me back in my own account after verifying my identity numerous times and with a new Drivers license number! I tried n tried to gain back access, spoke to several managers claiming they were working on it. One even promised he would run the tapes from that day and listen to his employee that helped me that day. No word for 3 months from Chime. In fact, they told me they couldnt access my account bc I didnt know the email ( the hackers ) associated with the account. This is even with my account, routing, and card numbers ready and willing to share just to do so. I finally filed complaints with the XXXX and the XXXX XXXX website. I finally just a few days ago was allowed back into my account which had a total of {$5.00} as the balance. No word of my {$250.00} that just disappeared. So I ask again. They inform me they are gon na contact XXXX XXXX and see what happened. The transfer never went thru, therefore Chime would still have it, but the real question is, where did my money go??!
Product: Checking or savings account

I received the information from a USAA banking customer service representative that my online access had been suspended and that my 3 personal accounts and 3 joint  accounts with my husband were being closed as on XX/XX/2020. There was no explanation as to why this was happening only that the " powers at be '' made the decision and there was nothing that could be done. I asked to speak with a supervisor and received a call back 3-4 days later. I was told the exact same thing and given an address that I could send a Dispute letter to. I asked to speak with his supervisor or someone that could give me some answers as to why and how this decision was made. He said he would leave a message. I mailed the dispute letter off and my husband posted a complaint on social media how I and my family were being treated with he being a USAA member for 24 years and I having been a member for 7 years. This decision does not only affect my accounts but it also affects my husbands business with USAA as well. We were model, loyal customers that pay tens of thousands of dollars/year in insurance premiums for personal and business, we have loans and multiple accounts, including our children 's accounts. We have never been late on any payment, have never overdrawn our accounts and have always been in good standing with USAA. I received a call on XX/XX/XXXX from an executive dept representative confirming that they had received my letter and my husbands complaint and that they were standing by their decision to close my/our accounts and still would give me no reason and stated that they did not have to. I was never asked one question about anything and I have been  told that banks usually only take an extreme measure such as this when major fraud or breaking the law has occurred. I assured them that I have never committed any such act and felt that this " investigation '' was a farce and I am the victim in all of this and would like someone to stand up for me and help resolve this issue. I have done nothing to warrant a decision such as this and it has completely disrupted my family and our belief in a company that claims to be available, accessible and supportive to their military members.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report except for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX SSN : XXXX Date of birth : XX/XX/year> Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. Delete all phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. Please update and delete all requested personal information. 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act USDOE/XXXX  XXXX, XXXX XXXX XXXX XXXX, and DP OF EDUC XXXX have violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019. I sent money to what was supposed to be a business called official XXXX XXXX. I learned through them on XXXX. It's a business which provides clothing and accessories deprived off of cannabis strand names. However I semtonry through cash app to $ XXXX and never received my product or any further contact. Cash app should be liable for all assets not received.
Product: Debt collection

I, XXXX XXXX noticed a change with my credit report in XX/XX/XXXX. 
With a negative impact coming from the entity, JEFFERSON CAPITAL SYSTEMS. 
At that time I sent them a Debt Validation Letter, via USPS certified mail w/ tracking number and JEFFERSON CAPITAL SYSTEMS received debt validation letter on XX/XX/XXXX. 
I received no response from JEFFERSON CAPITAL SYSTEMS, until XX/XX/XXXX with a served summons by a XXXX XXXX SHERIFF containing AFFIDAVITS OF SALES by said entities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. JEFFERSON CAPITAL SYSTEMS , LLC as ASSIGNEE Which was a summons to come to court for said alleged debt.

Which is in violation of cfpb ( Consumer Financial Protection Bureau ) & 15 USC 1692 ( a ) ( 3 ) - ( a ) ( 4 ) - ( a ) ( 5 ) - ( a ) ( 6 ).
Product: Credit reporting or other personal consumer reports

I believe my Equifax file has been split as it is not accessible in the front door method and over 7 accounts are completely missing including one that was current and opened in XXXX. 

They refuse to investigate if there are multiple files and until I started disputing that they hadn't updated their records since XX/XX/XXXX most of my information was out of date. 

I've attached a list of account information here from XXXX where it is properly reporting correctly. I ask YET AGAIN that Equifax look for multiple files under my name, properly report my credit reports and make them accessible to both myself and lendors. 

Also Equifax - I'm not going away. I will continue to file reports until you FIX THIS. 

It's abhorrent that every time I log in to try to get a copy of my credit report I get an error message and an option to pay money. Pay money for WHAT exactly? Per your own software my credit hasn't been updated since XXXX. I believe that trying to charge for a known faulty product is not in good faith
Product: Checking or savings account

Chime is the ruining my life! My Chime bank account was hacked into on XX/XX/2022 at XXXX by an unknown device and location. My savings was then transferred to my checking account and then sent to unknown email addresses/people via the pay anyone feature. I've filed a police report with the XXXX PD and also will be filing a formal complaint with the CFPB and XXXX. Two transactions totaling {$4100.00} was stolen from me! I need my money ASAP this is my livelihood and mortgage payment. I have never used this pay anyone feature and these transactions are a clear attempt of fraud. If my money is not returned to me I will be forced to take legal action against Chime as this is a result of a your lack of consumer security measures.Chime Dispute # XXXX Transaction # XXXX - XX/XX/2022 XXXX Payment to XXXX - {$2100.00} Transaction # XXXX - XX/XX/2022 XXXX Payment to XXXX XXXX XXXX {$2000.00}
Product: Student loan

In 2010, I went to college. I was able to get a loan with XXXX XXXX student loan with a co-signer. However, they lied about the student loan. They also hid high interest rates/ fees and the amount of money I have to pay back. I was XXXX! years old, lived in a inner city community and all I wanted to do was go to college. I took a XXXX loan and now I owe XXXX? I have been paying this loan for over 11 years ; I paid my loan through the pandemic and I still owe a lot. I tired so many times to refinance/ co-signer release ; but i was denied. I am trap in this loan ; XXXX XXXX purposely targeted me ; because I was unaware of all the fees. Also, they stated I will receive XXXX percent off if I graduate ( XXXX ). I still havent seen it. I currently have XXXX XXXX XXXX.
Product: Checking or savings account

Money transfers would not instantly go through. Unauthorized payments would occur. Or account would have error and just not work for some reason. Not receiving payment.
Product: Money transfer, virtual currency, or money service

I created a coinbase account on XX/XX/XXXX, I completed my ID identification by uploading my 'temporary ' US driving license which was accepted. The coinbase stated that I was verified and ready to go. Then I linked my XXXX XXXX XXXX account and deposited XXXX dollars in it on XX/XX/XXXX. When I tried to buy bitcoins it didnt allow me and asked me to input my SSN information ( which I do not have because I am an international student on an XXXX XXXX ). At that moment I realized it is not possible for me to trade on there since I do not have a SSN, so I tried that to pull my unused/untraded money out of my USD wallet and back to my bank account, but it is also requiring a SSN, which I do not have. Basically I am trapped because the website allows you to deposit after uploading your ID but only requests SSN information when trying to sell/buy/withdraw. I have called them multiple times, reached out to their twitter, reddit accounts, no response. I also submitted a ticket on their website, in which they have responded around 5 times with automated repeated messages and then close the case each time, and I have to re-open it. 


PLEASE HELP!
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a charge-off account with XXXX XXXX XXXX for a repossessed vehicle. The information on my credit report reflects an incorrect balance that does not account for the proceeds from the vehicle 's sale after repossession.

Additionally, I did not receive a 1099-C form, which creditors must issue if a portion of the debt is canceled. without accurate documentation of the sale proceeds, remaining balance calculations, and tax implications, this reporting violates the FCRA under 15 U.S.C 1681e ( b ) and 1681i ( a ).

I have attempted to resolve this directly with the creditor, but the resolution has been unsatisfactory. This inaccurate reporting is causing financial and reputational harm, and I am requesting the Consumer Financial Protection Bureau 's assistance in holding the credit bureau and creditors accountable for complying with federal laws. I have attached a detailed letter supporting the documentation for your review.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate student loans showing on my credit report, and I believe it is essential to address these issues promptly. 
I request that you immediately delete and block all the student loans from my credit report. This incorrect information is damaging my credit score and impacting my ability to obtain credit at favorable rates.

Please note that I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). I have the right to accurate information on my credit report and to dispute any inaccuracies. 
I urge you to investigate this matter thoroughly and expeditiously, and to notify me of your decision within 30 days as required by the FCRA. 

Sincerely, XXXX 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 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.