23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and Identity theft. I filed a dispute with Transunion and the dispute was verified as accurate. I sent a method of verification letter to Transunion via certified mail which was received on XX/XX/2020 my tracking number is XXXX. It is now pass the 15 day period that they have to respond according to FCRA 611, and Transunion has failed to provide me with a method of verification letter. meanwhile this fraudulent information is still appearing on my credit report. Transunion needs to remove these inaccuracies asap as it is already damaging, since they failed to meet the required deadlines they are NOT in compliance with the FCRA!! I will excise my right to sue Transunion under FRCA section 616. This isn't right!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

got a letter from XXXX XXXX ( see attached 1 ) that a transfer to the PNC Bank needed to be addressed. I then contacted the PNC Bank in XXXX tx and received a response detailing that the funds were to large to make a direct deposit ( attached 2 ) As I did n't have the XXXX asked for to start this I was told they could work out an arrangement for 10 % of the total XXXX XXXX. ( attached 3 ) then they decided that it could only be don on direct deposit, which they tod me at the beginning was illegal, and when I question the legality of this I just ge the same response ( attached 4 ). Any questions just gets the same respnse. send {$780.00} to start and agree to a fee of 10 % of the total XXXX XXXX and it will be direct deposited, which they said was not legal. I do n't know if this whole hing is a scam or what the deal is but I can get no other answer from them or from XXXX XXXX at the XXXX who first contacted me.
Product: Debt collection

I am writing to dispute an account that was opened without my knowledge or consent. The account in question, held by LVNV Funding LLC, was allegedly opened by an ex-girlfriend I dated 10 years ago. I have no affiliation or agreement with LVNV Funding LLC or Prosper Funding, the original creditor. 

This unauthorized account has had severe negative consequences on my creditworthiness, leading to credit denials and difficulties in securing residency. I believe this account 's presence on my credit report violates the Fair Credit Reporting Act ( FCRA ) and its provisions on accuracy and fair reporting. 

I have already contacted LVNV Funding LLC to dispute the account directly and informed them of my status as a victim of identity theft. Despite my repeated efforts to dispute the account, they have continued to report it as valid, disregarding my claims.
Product: Mortgage

Have been working with the loss draft department to disperse funds for the rebuilding of our home due to house fire. During this process, have finally come to consensus that to get more funds for materials we need to submit a materials list for materials only and no labor included. This was done shortly after the first required inspection was completed. after weeks of back and forth and outright refusal of our processor to contact my contractor, a correct material list was submitted by my contractor that met their requirements on XX/XX/year>. Was told would be and 8-10 Day wait for processing. Called on XX/XX/XXXX and was told material list was incomplete, only to discover they simply needed to combine the two documents we already sent the XXXX for a complete material list. They do this and start the 8-10 day time frame over. I call after this time frame and am told our processor is on leave and had to assign a new one. But this new processor has reviewed our material list and submitted to Upper management for review, give an additional 2 days. I call after two days and am told the new processor has NOT looked at our material list as previously stated and just reviewed that day and is waiting for response from upper management and give additional 2 days. I call after two days, our material list was approved BUT now requires another inspection because one has not been done in 30 days, even though no additional work has been done on the home and money for materials which we have already submitted is needed to continue. The customer service person requests the inspection be waived due to this fact on Thursday, XX/XX/XXXX, call to back on Tuesday XX/XX/XXXX and should be a decision. Receive a call on Tuesday from the processor with no knowledge of inspection request or really much of what is going on with case. I explain our situation again with material list, processor escalates with management again. I call back the following day and am told the processor has escalated the case so give an additional 3-5 days for management to respond. So each time I call i time frame given, I am given and excuse why our funds to purchase materials for my home, that is incurring damages from weather elements daily, is delayed and no resolution in sight. We simply need funds to purchase materials to be able to demolish and rebuild roof in one go round so no more damage is done to home from weather but no matter how many times I state this it never gets through
Product: Debt collection

The original debtor is closes and is unable to contact the gym. I never had an account at XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made purchases with the company Coinbase during the months XXXX of 2020 and also XXXX of 2020 and for some reason on the day of XX/XX/2020 I go check my portfolio and my purchases that I just mentioned were gone my portfolio said {$0.00} and I did absolutely nothing to my account nor have I given anyone access to my account to warrant such results and I also had emails that Ive had with Coinbase about the situation and to no prevail they insisted on explaining to me that I may have used a different email in which I have only used one ever since the dates I just mentioned at the beginning of this statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX  XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$88.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$9800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In complaint XXXX Ginnys inc said they would have the credit bureaus remove the account. The very next day after their response they reported it as negative account again
Product: Checking or savings account

I filed a dispute XX/XX/year>XXXX  and called to receive a temporary credit and Bank of America wont do anything until a full investigation is done cause the type of dispute. I have been a member of BOA for a long time and they still refuse to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses and names on my profile.
Product: Mortgage

On three separate occasions ( XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) BSI has delayed posting our payment to our account exceeding the grace period and incurring fees. All three times we have had our bank XXXX XXXX XXXX XXXXXXXX ) that issued the bill pay via a check on the phone with a representative from BSI to explain to them when the check was mailed and that it should not be late and should be posted ASAP. 
Miraculously it is found and posted with in two days of our bank calling. There is never an explanation as to why this occurs, but we are told they check their drop box daily. They will not provide any information as far as when it was received, only posted to our account. All of these payments have been mailed with in the time period to be received in time of the grace period. In all three incidents it has posted two weeks or more after the due date, when it was mailed 3+ weeks prior. 

XXXX  XXXX XXXX was able to utilize electronic payments to this loan servicer, but it only lasted a couple months. According to management in the Bill Pay Dept at XXXX  XXXX XXXX we were told ( on two recorded lines - BSI & XXXX  ) that XXXX XXXX XXXX no longer sends payments electronically to BSI. I asked why in a previous call and they said it is usually because XXXX finds unscrupulous business dealings or practices. 

BSI wants us to strictly use their portal for payments and we refuse. Mailing a check is the only way we are able to pay them. They have serviced our loan for close to 12 moths and 3 of those months they have lost or failed to process our payments correctly.
Product: Credit reporting or other personal consumer reports

I am writing to notify you of inaccuracies in your reporting concerning my account. According to the Fair Credit Reporting Act ( FCRA ), you, as the furnisher of information, are legally obligated to ensure the accuracy of the data you report. 

Account # XXXX Upon reviewing my credit report, The following errors have been identified : Account Name : XXXX High Balance : {$920.00} Date Opened : XX/XX/XXXX Balance Owed : {$250.00} ( as of the most recent reporting dates ) Account Status : Charged off as bad debt Dates Reported : XXXX : XX/XX/XXXX Experian : XX/XX/XXXX XXXX : XX/XX/XXXX I noticed that the account mentioned above is being inaccurately reported as both a charge-off and a collection account. As per my understanding, once a debt is charged off, it is considered canceled, and a Form 1099-C must be issued as evidence of this cancellation. Therefore, the debt should either reflect as canceled, or the current balance displayed on my credit report should be corrected. 

This inaccurate reporting violates the FCRA. I demand an immediate investigation into this issue, and I expect the necessary corrections to be made promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit beurea XXXX, equifax, XXXX  are not updating my credit profile they are making sure that incorrect inquiries, education loans, false information on my credit report its been years of this and they have yet to correct it and my credit score is not going up and i really am frustrated and treated unfairly please help me get this corrected My XXXX loan is not negative I nolonger have to pay it back and they refuse to check my education loan status and correct the information i should have no inquiries on no credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX certified mail to inform them of inaccurate information listed on my credit report. XXXX responded to my letter XX/XX/XXXX to inform me that the account was charged-off XX/XX/XXXX and SOLD to XXXX XXXX XX/XX/XXXX . I will be sending out my dispute letter enforcing my consumer rights to XXXX XXXX directly as well and I will be filing a complaint with the attorney general. My rights as a consumer have been violated by furnishing my information without my consent as well as many other violations that will be stated in my letters. XXXX should be held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a free credit score through Credit Karma and then my checking account was charged {$91.00} and my daughters checking account was charged {$1.00}. At no time, did I provide a account or card number. Credit Karma provided me with TWO credit scores, not ONE. Therefore, they may try and rationalize that this is a legitmate fee for the credit score. However, it said free. Furthermore, this is causing me great financial burden as I only was checking my score because my daughter found me housing that I might qualify for if my credit score meets the criteria. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I need gas money to move and get close to my daughter. Seeing this charge on my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This may not seem like a lot of money to some people, but to me it is almost a matter of life and death.
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 compensation for these violations
Product: Debt collection

Santander has been involved in 34 Multi state lawsuit do to predatory lending.A Class action settlement has been file against Santander USA I purchase my Vehicle on XXXX XXXX.I tried several times to get this account removed from my credit report. Santander has agree to give relieve to all debts.The settlement States States that Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/XXXX, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of 401 or less who defaults in the future. Santander shall implement the relief as described in ( 1 ) and ( 2 ) by providing the relief in ( 1 ) prior to the relie f in ( 2 ). When the cumulative value of the outstanding Loan balances in ( 1 ) and ( 2 ) equals {>= $1,000,000}, Santander has met its obligations under this paragraph and does not need to provide additional relief pursuant to this paragraph. 12. Santander shall waive the Deficiency on Loans it Owns for a )
Mandatory Relief Consumers and b ) to the extent not included in a ), Defaulted Consumers who had a loss forecasting score of 401 or less at the time of origination, when the loan was originated between  XX/XX/XXXX and XX/XX/XXXX, and who Defaulted within 12 months of origination of the Loan. In addition, Santander shall have an obligation to buy back such Loans originated between XX/XX/XXXX and XX/XX/XXXX in order to waive the Deficiency for those Loans, as set forth in paragraphs 14 and 15 below. The Consumers entitled to relief in this paragraph shall collectively be referred to as the Deficiency Relief Consumers. If a Defaulted Consumer receives a  payment under paragraph 10 but is not a Deficiency Relief Consumer, Santander agrees that it will not collect on or sell that Consumers Loan for one year from when the Defaulted Consumer is sent. Do the this Judgment Im asking for the account to be deleted for my credit report immediately.
Product: Credit card or prepaid card

I bought an American Express Gift card to use generally and on more than one occassion XXXX has refused a return credit from a merchant. The first time this happened a merchant refunded me after I returned an item totaling over {$400.00}. XXXX did not notify that they were rejecting the refunded credit. When I tried to use the card later, it was frozen and I had to call customer service to find out what was going on. XXXX forced me to contact the merchant to request a new refund. 

Most recently, this happened again for a {$300.00} return. XXXX refused the return because the amounts didnt match. I bought an item in NY and returned it in MD, the merchant chose to refund a different sales tax amount. XXXX did not notify me that they refused the refund, and I only found out after my card was declined at the grocery store. 

I contacted XXXX, waited the long hold time for their off-shore customer service, and ended the call with no help as XXXX said I would have to contact the merchant in a couple days to request a new refund. 

XXXX has no intention of changing their policy to notify a cardmember that their expected refund has been refused. I currently have to hope that the merchant is willing to assist me in getting this resolved. 

I have also requested multiple times that XXXX send me a check for the balance of the prepaid gift card so I can avoid any more unfortunate experiences trying to use their card. They have flatly refused each time.
Product: Checking or savings account

I have tried to open an account with Navy federal multiple times and they keep denying me saying my information isnt correct. They wont tell me what is incorrect. I have never had an issue opening an account with any bank and I verified my identity at the local branch that was over 70 miles from me. Its really frustrating that I have to keep proving who I am and being told my information is wrong. Like how can a bank tell me who I am??
Product: Credit reporting or other personal consumer reports

A one time late payment was reported on my credit report recently. I was making payments for over five ( 5 ) years and this was the first late payment reported. There was only a remaining balance of {$2300.00} roughly. I didn't realized the car payment had matured and thought I had time to make the payment. Dealing with COVID, working less hours and my daugther returning to college I managed to keep up with the payments, sometimes late, but never to late to be reported. Shortly after my credit score dropped by over 100 points I gathered the funds to pay the loan off on XX/XX/year>. I am humbly asking for assistance in having this late payment remove from my credit report. 
Thank you for your king assistance with this matter. 

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

I have contacted XXXX, XXXX and Equifax via phone dispute, online an mail regarding XXXX XXXX XXXX XXXX. They are reporting me as being late XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I have NEVER been late. This is a closed account that was paid in full and NEVER late. I asked for it to be DELETED or REMOVE all of the above inaccurate reporting. They are in violation of US Code 1681. They would return my request stating it is verified. I told them to show me verification which they could not because I was never late. Also XXXX will not remove XXXX XXXX from my credit inquiry. I don't have an account I have never applied.Please remove.
Product: Debt collection

There is an amount on my XXXX credit report from bull city financial account number is XXXX for {$230.00}. I was a victim of identity theft, I have filed multiple police reports as well as have contacted the credit bureau to remove this information. I am now in progress of pursing legal action against this creditor as well as the bureau because it has yet to be removed.
Product: Bank account or service

Because of a lawsuit that my partner and I have, we asked for a cash advance. We were sent XXXX checks : XXXX in his name and XXXX in my name. The XXXX in my name was delivered to me, but the XXXX in his name was nothe had to go in person to get it. I took him to get it and he presented his ID, but according to them it wasnt valid. He showed his papers from the attorney who is helping with his XXXX case ( he lost all of his documents ), and he also showed them an income tax return with his Social Security Number, and they just told him that the money transfer was there and that it had been paid, but they werent going to give it to him. He asked if he could get it with a letter from the lawyer or a notarized letter from several witnesses, and they just told him not to waste his time. They closed my account because according to them they couldnt prove who he was. When we asked them why they didnt just transfer the money to the bank that issued it if they werent going to give it to us, they told us that eventually the money would be sent to our house, but that could take months or even years. I think that this shows a huge lack of respect, and it is abusive behavior toward a couple of people who are only claiming whats theirs. We have a critical situation involving a XXXX child.
Product: Credit reporting, credit repair services, or other personal consumer reports

Registered for an account with Experian ( https : //www.usa.experian.com ) on XX/XX/2022. Had loads of trouble signing into the account, it claimed my freshly created username/ password was invalid. ( I'm a lifelong IT nerd, I know how to create accounts & record credentials accurately ). Had to reset password multiple times until site let me login finally, upon which I was met with an error claiming more information was needed to verify my identity & I needed to call XXXX -- XXXX. Calling that number leads to a recording for which there are no options to reach a human ( I tried in excess of 15 calls, went through every option available, including unlisted options like 0 ). Every option sends users into a repeating loop, with recordings directing users right back to the login page where there is no option to fix this issue. 
This is a well known tactic used by these crooks, often called " dark patterns '', where they make real help impossible to obtain & attempt to trap users in closed circles as described above, hoping to frustrate them into not complaining or pursuing the issue they're attempting to. 

I can not login to Experian, have no options to reach anyone on the phone, and therefore are unable to dispute fraudulent information they have on my report.