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

Citibank sent me a letter on XX/XX/2022 saying they are going to close my checking account because of the possible fraud activities on my account. I called the Citibank many times to understand which transactions they think is fraud and when I could get the money back ( around {$400000.00} ). They told me it takes 30~60 business days to review my account and return my money. I told them I can send documents to prove all the transactions are legal but they said it is not necessary because they will request the document if needed. After 60 days, they told me the account was closed on XX/XX/2022 and I should receive the check in 5-10 days. After 10 days ( XX/XX/2022 ) they said they need to confirm with the back office and internal resolution team if the check is sent out or not. If not, they will resend it again. Today ( XX/XX/2022 ) they told me they won't return the money because the money doesn't belong to me and they can not further assist me. I asked to escalate to supervisor and the call was disconnected.
Product: Money transfer, virtual currency, or money service

I am writing to notify you regarding a problem I am experiencing with cash app. the recent transactions made on your platform from my account. The deal was presented to me as a chance to invest {$500.00} and receive a return of {$5000.00}, which sounded too good to be true. However, as I proceeded with the investment, I discovered that the entire scheme was a scam. 
The individuals behind the deal constantly requested me to send money to other people, claiming it was a fee or taxes. They also promised that I would receive more money, but there was always another payment required before I could receive my funds. To make matters worse, there were two different girls involved in the scam, which only added to my confusion.As a trusted and reputable financial platform, I expect Cash App to take responsibility for the fraudulent activity that has occurred through your platform and to assist in resolving this matter. I believe that it is imperative for Cash App to implement stronger security measures to prevent similar incidents from happening in the future. 
My attempts to make the payment to receive my money backfired, and I ended up being scammed even further. This situation put me behind financially in a major way, and I have been struggling to recover ever since. 
I have made complaints to Cash App and attempted to ask for refunds from the individuals to whom I was instructed to send money. Unfortunately, all my attempts have been declined, leaving me feeling helpless and at a loss for what to do next. 
I believe that Cash App failed to perform due diligence and anti-money laundering ( AML ) procedures, which allowed fraudsters to steal my funds. As a cryptocurrency exchange operating in the United States, Cash App is subject to various regulations and guidelines aimed at protecting consumers and preventing illicit activity. 
The US government requires cryptocurrency exchanges to comply with the Bank Secrecy Act ( BSA ) and its implementing regulations, including the Anti-Money Laundering ( AML ) program and Customer Identification Program ( CIP ) rules. These regulations require cryptocurrency exchanges to implement strict know-your-customer ( KYC ) procedures, report suspicious activity, and maintain records of all transactions. 
Additionally, the Financial Crimes Enforcement Network ( FinCEN ) has issued guidance stating that cryptocurrency exchanges are considered money services businesses ( MSBs ) and must comply with BSA requirements. FinCEN also requires cryptocurrency exchanges to register as MSBs and implement AML programs to prevent money laundering and terrorist financing.

I would appreciate a prompt resolution of this matter.
Product: Checking or savings account

On XX/XX/2020 the XXXX  deposited loans funds in the amount of {$25000.00} into a checking account with USAA. The funds were supposed to go to my XXXX XXXX Account. XXXX  kept telling me the funds went to my XXXX XXXX account. So after almost a month I contacted the treasury department and was informed that my advance of {$3000.00} was sent to XXXX XXXX in which I did receive but the loan went to USAA which I hadnt been able to access the account before the loan was even disbursed. So I contacted USAA and spoke with XXXX who is a Supervisor and I asked why werent the funds sent back? I was told that XXXX  didnt ask for them back and I was told that I have to wait 60 days for a check. USAA told me that they werent obligated to send the funds back or allow me to access my loan funds.
Product: Credit reporting

I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  XXXX XXXX continue to list me as having an active XXXX  XXXX XXXX account, which is actually in my ex-spouse 's name. I have twice filed a dispute with Experian and XXXX  XXXX XXXX, and XXXX  XXXX XXXX rejected my first dispute out of hand ( XX/XX/XXXX) and the second is pending ( XX/XX/XXXX), though I expect another rejection. I have been divorced from my ex-spouse since XXXX of XXXX and have not had any knowledge of, or access to, this XXXX  XXXX XXXX account. I offered to send proof of divorce or other supporting documentation to Experian and XXXX, and XXXX merely denied the dispute with no reason. When I contacted XXXX XXXX  XXXX directly ( which, by the way, is impossible if you don't have an account -- there's some irony for you ) I was told I don't have any accounts with them, and I'm not listed on my ex-spouse 's accounts as an authorized user. I have asked y ex to confirm that I'm not on any of his accounts, and he has confirmed that. My credit score has been negatively affected by purchases my ex has made on this account, and I can't challenge it because XXXX erroneously refuse to remove this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called 4 credit bureaus including the three main ( XXXX, XXXX, TransUnion and XXXX ) multiple times over the past several months and never got a response on updating my personal information and/or was told there is nothing they can do about it. I have personal information on my reports that I do not want on there due to it being incorrect and/or completely outdated.

According to the Fair Credit Reporting act 15 USC Code 1681... I have the right to privacy. ( The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ) In addition, according to 15 USC 6802 ... No financial institution is supposed to share my information to third parties including third party companies nor third party people. Nevertheless, especially when the information is wrong and misleading. ( Obligations with respect to disclosures of personal information ) These are very clear violations of my federally protected consumer rights.
Product: Payday loan, title loan, or personal loan

COMPANY WILL NOT RESPOND AND KEEPS MARKING COMPLAINTS AS DUPLICATES. Using this complaint number for the CFPB Ombudsman when they mark this as duplicate. 

This company : 1 ) Has a platform that made it impossible for me to pay installments.

2 ) Reported negatively on my credit report even though I contacted them about my issues.

3 ) Continues to delete requests through the CFPB with no response.

4 ) Has accused me of not being truthful when messages went into spam.

5 ) Tracks customer emails without customer knowledge.
Product: Debt collection

Consumers XXXX XXXX & XXXX XXXX entered into a consumer credit transaction with Sallie Mae on XX/XX/XXXX & Again on XX/XX/XXXX. We used our credit card as defined under 15 usc 1602 ( I ) and there was a finance charge involved as defined under 15 usc 1605. Sallie Mae then took our credit and got a loan and begin to violate 15 usc 1692 e because they falsely represent the status of a debt.
Product: Credit card or prepaid card

Hello, my name is XXXX XXXX XXXX I have recently checked my credit reports and found that Navy is reporting credit card with 2 different account numbers ( XXXX & XXXX ) to all 3 Credit Reporting Agencies ( XXXX, XXXX, XXXX ) XXXX my name. 
This is not an acknowledgement of debt. 
According to the Fair Credit Reporting Act, only correct and accurate information may be reported on my credit report. After reviewing my credit reports, I am finding many incorrect items being reported, including but not limited to the following discrepancies : 1. The date opened reported by the CRAs are incorrect. They are also reporting different dates to different credit reporting agencies.

2. The payment history is incomplete, inaccurate, and reporting different information to each of the three reporting agencies. On the XXXX report its showing as derogatory while the others are showing as paid. 

3. The Dates of last payment are inaccurate as they are reporting different dates to different credit reporting agencies. 
As these and other things are being reported incorrectly on the report, I request that you immediately cease reporting of these accounts until the completion of a thorough and complete investigation and validation of this information. 
If you are unable to furnish all correct dates and information, I respectfully request that you cease reporting and Delete these two accounts from my credit reports with all 3 credit reporting agencies ( XXXX, XXXX, and XXXX ). 

Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The business credit card Ive had through XXXX ending in XXXX belonging to XXXX XXXX XXXX XXXX showed up on my personal credit. XXXX not a sole owner. The company is going through hard financial difficulties at the moment and Im personally being affected from the claim on my personal credit report. My credit score due to this appearance dropped my personal credit score XXXX points in a time when Im having personal financial struggles do to the business issues. Until the business is fixed and in good standing I cant have additional issues like business debt through a company on my report further damaging my financial situation
Product: Debt collection

Commonwealth Financial Systems responded to a recent complaint I filed against them with the CFPB ( Case number : XXXX ) stating that they were closing the account and removing the unsubstantiated collection account from my credit reports. The day after they responded to my complaint- instead of deleting it, they actually updated the collection on my XXXX credit report. Commonwealth also responded to the XXXX stating they were removing the collection. I contacted XXXX fraud department and they assured me that they had placed a fraud alert on my credit report and that they would begin their own investigation. With the enormous number of complaints against Commonwealth Financial Systems I am baffled as to why the CFPB has not taken action against them. I feel like this nightmare is never going to end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has FAILED to conduct a proper investigative report. 
Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I asked for a copy of the investigation they claim they have conducted three times. They claim the information is accurate when in fact it is a fraudulent account. I have no account with Debt Recovery Solutions. They have opened up an account in my name. I have disputed the information and requested a verification of debt in accordance to 15 USC 1692 G. Debt collector Failed to produce a statement giving the consumer 30 days to dispute the validity of the debt. 

In all Debt Recovery Solutions is attemptting to collect an alleged debt out of compliance with the fair credit reporting act. they have not suppiled a statement, verification of a debt owed or a notice to dispute within 30days. 
XXXX is falsely reporting inaccurate information and lying about having done a proper investigation. I have requested the details of the investigation on XX/XX/2023 and the customer service rep hung up on me when i escalated the situation to the manager.
Product: Mortgage

I submitted a PDF request to switch to biweekly payments. No acknowledgement of receipt was provided nor has the website been updated to reflect this. Calling their XXXX or XXXX Call Centers is an exercise in frustration. Poor connections quality, lack of efficacy and other problems. So no help there. BTW, NO AMERICAN SHOULD BE REQUIRED TO SHARE THEIR PRIVATE DATA WITH FOREIGN NATIONALS. This is UNSAT. In what world do XXXX or XXXX  call Americans and share their private data. Big business is degrading privacy and national security by being allowed to offshore our personal info. Maybe the XXXX Government forgets how the XXXX siphoned info to troll for potential classified individuals information. How is this is any different. Pathetic. 

The end result of this was I submitted a payment and then was magically autobilled for half the payment of a biweekly payment. These clowns make XXXX look good. So I called and requested a refund after my bank account was overdrafted. I was promised a XXXX week snail mail check by the XXXX XXXX but so far that is not forthcoming. This was made prior to XXXX. Meanwhile the website is telling me I am late while showing multiple payment scenarios. This company should not be allowed to service mortgages.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the
CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Unfair. I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Unfair. I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report IMMEDIATELY! 

XXXX  : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX  : Account number : XXXX, Unfair. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Unfair. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

Subject : Misrepresentation of Car Return as Repossession by XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to submit a formal complaint regarding the handling of my auto loan and vehicle return by XXXX XXXX XXXX XXXX. 

I voluntarily turned in my car to XXXX XXXX XXXX XXXX with the understanding that a portion of the loan would be paid off as part of the process. However, after returning the car, I was informed by the bank that the vehicle had been repossessed, even though this was not the case. I willingly returned the car, and I was misled into believing this would resolve part of the loan.

This misrepresentation has caused significant harm to my credit report and financial standing, as a repossession carries serious negative consequences. I am seeking assistance in correcting the mislabeling of this event as a repossession and ensuring that my credit report accurately reflects the voluntary return of the vehicle.

Thank you for your attention to this matter.
Product: Debt collection

They keep robo dialing, and refuse to leave messages or tell me who they are representing. They wo n't send me notices in the mail, to verify who they are.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the exclusion of erroneous accounts from my credit report. Would you mind reviewing the documents? Some of the listed accounts exhibit inaccuracies regarding reporting, amounts, and dates.
Product: Prepaid card

I got the rush card and still have n't got paid yet it 's been a week and still waiting almost a week. Your your tried calling them they will hang the phone up after 45 min
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

Requested that replacement Capital One Venture credit card be sent to XXXX. On XX/XX/2023 recieved email from Capitol One stating card had been shipped. Capital One also confirmed by phone that card was shipped using XXXX XXXX. As of XX/XX/2023 card has not been recieved. Despite repeated requests Capital One refuses to provide a tracking number or any information regarding whereabouts of the card.
Product: Debt collection

The debt is inaccurate. Hospital incorrectly billed wrong insurance although I gave them updated insurance information for services in XX/XX/2019. I was unknowingly left stuck with a huge bill of {$6900.00} that my insurance would have covered and left me with a small deductible. Ive spoken with State Collections agency about the error. They lured me into making a monthly agreement to supposedly protect my credit, until I Can get the hospital to correct the error with a promise to not flag my credit as long as an agreement was in place. However, my credit was flagged although I paid as promised and XXXX XXXX XXXX will not correct the error because they said they no longer own the debt and it can only be resolved with State Collections Agency.
Product: Money transfer, virtual currency, or money service

I had a closing scheduled for Monday XX/XX/23 and with that closing I initiated a wire on Friday XX/XX/23 for the down-payment and closing cost ( {$43000.00} ). I went to my closing and signed all documents and everything seemed to be OK, until I was contacted by the title company later that day saying that the funds that I wired on XX/XX/23 had not been received. 

On XX/XX/23 I called Discover bank following the information I recieved from the title company and was told the wire has been processed and sent, and that they will put a trace on it. When I inquired about a Fed reference number, I was surprisingly told that I do not have one yet due to the fact the the federal reserve has not sent them ( Discover ) XXXX yet ... ..I would think if the wire was processed and sent I would have a reference number almost immediately. 

Anyways, I have been calling everyday since XX/XX/23 to try to get information or advice as to what I should do regarding my wire and am just being told the same thing, " the wire is processed and sent out, should be with the beneficiary '' only problem is, the wire is not with the beneficiary and I have no idea where my funds are. 

Discover bank has not been able to provide me with a wire receipt, a time-frame, information on the path of my wire or the intermediary bank information to escalate the situation. Words can't express the displeasure I have towards Discover bank and once I find a resolution to this issue I will be cutting all business ties with this company. 

I am extremely concerned that my home purchase may fall through due to this and I am getting no where with discover and there team. It's been 4 days so far as of XX/XX/23 and Im concerned this will go for another week or so and I'll lose the house and possibly my wire.
Product: Payday loan, title loan, or personal loan

I followed the process outlined to revoke my EFT agreement. I received an email saying the agreement was revoked however they still attempted to process the EFT.
Product: Credit reporting or other personal consumer reports

This company has failed in the obligation of permissible purpose 15 U.S.C. 1681b.

They have furnished my account without the written insturctions of whom the consumer relates.

I did not give them permissible purpose to furnish my account nonpublic personal information they have invaded my privacy and had no regard for the privacy rule 15 U.S.C. 6801