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

I informed chase bank that my XXXX account was compromised and if a refund comes in send it back to XXXX XXXX confirmed a refund was sent to a closed account chase instaid took the refund applied to a negative balance and refused to return the stolen money back to XXXX now I have more pending transactions that are going to be put back on a closed bank account I called Chase to ask them to block the transaction they informed me that any money coming in would be applied to negative balance even though these refunds are fraud XXXX can't help me retrieve the money bank says it can't give the money back after it's been applied to negative balance.I request Chase to due a fraud investigation and reverse the money back to XXXX because I did not authorize those refunds it was a hacker and now because bank refuses to return the stolen money I'm at risk of losing my XXXX XXXX XXXX XXXX account.XXXX can't help me because funds were giving to chase I asked chase to block any transaction from XXXX they refused they said they will just apply it to a negative balance which is ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I recently received a copy of my credit report. The credit report showed a credit inquiry by " CITI CARDS CBNA '' I do not recall authorizing or " someone is using my identity ''. I understand that " CITI CARDS CBNA '' shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 

Inquiry date : XX/XX/2020 I sent a certified letter to CITI CARDS CBNA on this date XX/XX/2020 Under the Fair Debt Collection Protection Act, on XX/XX/2020 I requested CITI CARDS CBNA to provide me a validation of the inquiry. I mentioned in the letter, failure to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claim.

CITI CARDS CBNA - respond as " verified '' and failed to provide any validation of the inquiry. No evidence, no signature, and incorrect name. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. They failed to comply with the Federal Laws. attached ) I did not authorize anyone employed by " CITI CARDS CBNA '' to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported twice online that the information reported on my credit report was suspicious. I asked for proof that the reported charge off was accurate, they simply responded that it was and gave no evidence it was. I called and explained this to the customer service representative and asked for proof the charge was legitimate. They said they would investigate, a day later they responded exactly the same as the online system and provided no proof the charge was legitimate. I have proof through my online account with XXXX XXXX that I've never missed a payment or even been late. My account is on autopay and I've never received notice of any problems. Experian doesn't seem interested in doing any real research into the problem.
Product: Credit reporting or other personal consumer reports

I recently mailed a letter to Equifax requesting verification of an inaccurate account reporting on my consumer report in the file that this bureau maintain under my social security number. I received a response stating the account was verified as accurate. Under FCRA611 ( a ) ( 7 ) Equifax is required to forward me all relevant information to the original creditor to ensure a proper investigation, and they did not do that.

Once again I am formally requesting their method of verification.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I wrote XXXX, XXXX, and Transunion asking if they could look at the bankruptcy # XXXX it did not look right to me. On XX/XX/XXXX they respond back saying that the account was verified as accurate and remains. Attached is a letter that I received from XXXX on XXXX XXXX explaining that the account was deleted from my file. 

If the account is verified through XXXX, according to XXXX, XXXX and Transunion that mean my consumer report needs to be updated to math my credit file. 
please remove from credit report immediately
Product: Debt collection

I was contacted by phone from a third party collection agency called XXXX at XXXX or XXXX. They stated they now owned my Cash Central bill from 2018. They threatened legal action in court too. However, they refused to mail their letter to me verifying my debt with them and Cash Central. They wanted me to pay them immediately. I refused and also disputed this bill.
Product: Credit reporting or other personal consumer reports

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}
Product: Money transfer, virtual currency, or money service

I sent two {$180.00} payments to XXXX XXXX, user name $ XXXX, phone # XXXX, email address : XXXX, through CashApp for tickets to the XXXX XXXX concert XX/XX/2024. ( I thought I had done my best to vet out the seller, XXXX, after speaking with him on the phone, via XXXX and email ) Tickets were sent and were very convincing fakes ) I was sent false tickets that were denied at the door. I have tried reaching out to XXXX multiple times with no response. My bank was notified on XX/XX/XXXX immediately after finding out the tickets were fake. My bank said I needed to work with CashApp to get a refund. I have followed CashApps procedures to get a refund and XXXX is not responding to those either. I have reached out to CashApps customer service and they said to just keep trying to get him to refund me, that there was nothing they could do and that I just shouldn't have sent the money. I asked to speak with a manager higher up the chain of command and was told none were available and they would only contact me via email. I am still waiting for a managers email. Upon researching further the user $ XXXX is a serial scammer on CashApp. I am not the first person who fell for his scam and yet CashApp continues to support him receiving money. They are a company who are openly supporting criminal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are showing incorrectly across all credit reporting agencies and is violating my rights to fair credit reporting. 

The information has been showing incorrectly for the past 3+ months since my XXXX complaint/investigation. 

I placed in my XXXX complaint in XXXX XXXX XXXX  my XXXX complaint in XXXXXXXX XXXX XXXX and are in XXXX XXXX XXXX and I am facing the same issues. 

There are several areas of issues including amounts reported, account statuses, balances, open dates, closed dates and etc.
Product: Checking or savings account

*** This is basically a duplicate of the one filed a couple minutes ago on my checking account, I'm just filing the same thing on the savings account so they can refund/close it too *** On XX/XX/2023, frustrated w/my bank and their recent policy changes, I decided to change banks. I went online to Bank of America and proceeded to open a new checking and savings account ( approval e-mail from them attached ). I opted to fund each opening deposit via ACH transfer ( an option offered ) and provided the routing and account numbers of my current account for them to initiate an ACH transaction to fund the new accounts. As expected, they processed Monday and cleared my account Tuesday night, posting Wednesday, XX/XX/XXXX, as shown on the attached. 

On Saturday, the XXXX, I logged on to " check on things '' and noticed they still had not credited my account. Even if there were to be a fund availability hold, on an ACH it should have been off by Saturday. So, I attempted to live chat them and discovered I couldn't do it from computer ( how nice, no way for me to have a transcript/record of what was said ). Left with no choice, I phoned them and got the usual... a few menu 's, the time-waster telling you can do things online ( this couldn't be done online ), etc., then the " longer than normal hold times 'but we can call you back ' ... '' They called back and might as well have not wasted my time... 

The first rep was completely clueless, so I asked for a Supervisor. After a lengthy hold, I was connected with " XXXX. '' This was also a was of time... XXXX first tried to tell me I must've entered a number ( routing or account ) incorrectly. Wait, wrong, it's pretty obvious I entered them correctly as they were deducted from my external account ... in the end, I was told by XXXX that I would need to contact my OLD bank to have them trace it. HOW on earth would my old bank know what Bank of America did internally with the money? My old bank did their part, they paid the ACH which BofA sent thru, but they would have no clue what BofA did with the offsetting entry internally ( that should have credited my account ). 

I attempted to give them one more opportunity by wasting of my time today to call them. I did, and it was again a total waste of time. Today the supervisor ( yes, same today, rep then supvr ) tried to tell me ACH 's can take 3-5 days ... Yes, that might be true ( tho really, in this day & age ), but OK, I should STILL see it in my balance ( Ledger balance ), just not available balance... it's NOWHERE and NOBODY seems to know where it went!

I just want these accounts CLOSED ( with no early closing fees due to their ineptness ), and the money sent back to my old ( tho now again current ) bank account and I'm DONE with BofA.
Product: Mortgage

XXXX XXXX from Newrez Mortgage Co. played the fast talk and quick push to get me a lower interest rate to refinance my VA they already serve. Nowhere did she say that they would be adding over XXXX to my loan for closing costs and fees. 
She just kept expressing she wants to save us monthly payments money. 
I have expressed on 3 different emails back and forth with her and her latest was i understand your concerns, give me a few days to see what my managers can do to help lower the fees. 
She is not understanding that I no longer wish to continue with a Company that allows XXXX tricky sales tactics on Veterans. 
She said they were reaching out to all Verteran and only have a small window to help us.
Product: Vehicle loan or lease

Due to inflation after Covid I asked for late fees to be removed from my account and inquired on what I could do to lower my monthly payment. They said they had no available options but the would look into the late fees but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX is reporting Unauthorized inquires on my credit report I did not apply for anything and requesting to have this removed Under FCRA 609. Disclosures to consumers [ 15 U.S.C.

1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information.

Further, Under FCRA 607. Compliance procedures [ 15 U.S.C. 1681g ], ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] This not a Credit Repairs Service either, I'm doing this on my own to save time and money. I'm tired of the stall tactics I have submitted my ID and Current address since Experian and XXXX sends me letters asking for my information again when they already have my information on file. this my las time disputing my credit report if I continue to receive stall tactics letters. As a consumer I will exercise my right to sue for damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below ; 1. Permissible purpose {$1000.00} 2. Defamation of character {$1000.00} 3. Damaged reputation {$1000.00} 4. Damaged credit worthiness {$1000.00} 5. Damaged mode of living {$1000.00} 6. Infringed on right to privacy {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 submitted my ID and Utility bill just in case they ask for it again acting like they don't have it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the fraudulent accounts and inquiries listed below be blocked and deleted from my credit report, as I am a victim of a data breach. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), I am exercising my right to have fraudulent information removed from my credit file. 
Fraudulent Inquiries : XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Student loan

XXXX was managing this loan but moved it UTAH HIGER EDUCATION ASSISTANCE AUTHORITY ( UHEAA ) earlier this year. At the time it was moved to UHEAA, I was on deferment due to hardship. Prior to my applying and being granted deferment, my monthly payment was {$280.00} but I consistently paid {$300.00} monthly for over two years. On XXXX XXXX, 2016, UHEAA sent me a Repayment Disclosure Statement, which showed that my loan amount had ballooned in spite of the fact that I was paying a little more than my monthly repayment sum ; also, I was making payments even while I was on deferment to eliminate some of the principal and the interest that would have accrued during the period of deferment. Surprisingly, UHEAA statement did not reflect those payments. 
I am truly suspicious of what UHEAA claimed to be the balance of this loan. I had called them several times in my attempt to get answers to my questions but I have not succeeded in speaking to anybody because I am usually put on hold for AT LEAT 30 MINUTES on each occasion that I do hang up out of frustration. 
My School was University XXXX, XXXX Texas
Product: Debt collection

The Profit Service Group called my cell and work phone around XXXX XXXX XXXX. I immediately faxed a cease contact letter to the company. I received an email notice that the fax was transmitted to their office at XXXX. Then on XXXX XXXX @ XXXX the company called my cell again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has listed a collection on my credit report but I do not know why it is listed as it is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting accurate information on my credit report. My credit history is not being reported correctly. I made a payment with XXXX XXXX services in XXXX and Experian is not reporting there was any payment made in XX/XX/2016. There is literally nothing being reported for XX/XX/2016 as if I did not make a payment. I would like my payment history updated for XXXX XXXX XXXX. I received an email from Experian stating the dispute is complete, however they are reporting the same information. Experian is not providing correct information on my payment history and this will be the last dispute prior to filing a civil lawsuit. How many times do I need to submit a dispute to correct information on my credit report and nothing happens. No one takes the time to investigate. How hard is it to report there was a payment made in XX/XX/2016? I would like my report updated with accurate information or remove this account from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve this problem with XXXX/XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- Santander/Chrysler Capital-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address XXXX this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1682 section XXXX A. States I have the right to privacy 15 U.S.C 1682 section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Financial Data Systems is claiming I owe them {$300.00} and {$40.00} from a debt they purchased from XXXX XXXX XXXX, which is not an account I ever had - nor are they reporting to my credit report. They are reporting false information to my credit report. I do not recognize this debt and they are unable to provide anything bearing my signature showing that I have any contractual obligation to pay them. I've contacted the company twice to fix this error and they are non-compliant. The first attempt, they received my dispute by certified mail on XX/XX/2019. The second attempt was again through certified mail, their receipt of my dispute showing XX/XX/2019.
Product: Vehicle loan or lease

On XX/XX/2015 I was ecstatic to be getting my first car. I had doubts because my credit score was awful, but I figured my {$1300.00} down and {$1000.00} trade it would get me what I wanted. It didn't. I wasnt approved. The company told me that adding my mom as a Co signer, even though she was XXXX and getting a small monthly check might help. We tried adding her and it worked, but the rate was awful {$330.00} a month, but they pretty much intimidated me and took advantage. They knew I wanted and needed a car. Recently the car company Santander has been in a class action lawsuit. They have settled for {$550.00} million dollars, yet they want to pay us victims {$240.00}. I have not gotten a notice yet, but I have too be in this lawsuit settle. I was affected. I still owe more on the car a before. I have no relief options. I have been forced to extend the loan so my car would not be repossed many times because thats all I was offered. Its not fair and Santander needs to pay and more that $ 200+ dollars to me, to anyone that bought a car from them and have been struggling for long as I have
Product: Credit reporting or other personal consumer reports

I want to clarify that the name associated with this account is not mine, and I do not have any student loans under my name. 

ACCOUNTS : MOHELA
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration regarding your company 's mishandling of my credit report dispute. Since I discovered discrepancies in XXXX of this year upon returning from XXXX, where XXXX XXXX XXXX XXXX, I have taken every possible step to address this issue diligently. I initially submitted a dispute on XX/XX/XXXX, followed by additional supporting documents 15 days later after receiving notice that the original copies were of low quality. Despite complying promptly, I encountered complete silence on your part. Subsequently, I received a letter accusing me of employing a credit repair organization. To clarify, as I already stated in a follow-up letter, I personally sent all correspondence. Despite this clarification, I have yet to receive any resolution or meaningful response from your company. This ongoing neglect and mismanagement have caused me undue stress and raised serious concerns about your company 's commitment to consumer rights and compliance with the law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes and respond within 30 days. Your failure to do so violates these requirements. Additionally, the Massachusetts Consumer Protection Act, M.G.L. c. 93A, prohibits unfair and deceptive practices, which I believe your actionsor lack thereofconstitute. Your personnel 's inability to communicate effectively in clear English and the repeated delays and contradictions in your process are unacceptable. This lack of accountability not only hinders my efforts to resolve inaccuracies on my credit report but also erodes my trust in your institution 's integrity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX Nevada since 2015. This XXXX  XXXX XXXX was opened in a different state. Alabama. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.