23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I learned that the company XXXX XXXX XXXX XXXX is no longer operating. 

On XX/XX/XXXX, I mailed by certified mail a dispute for the amount of {$16000.00} against a purchase I made on XX/XX/XXXX, with XXXX XXXX XXXX XXXX. 

The dispute was delivered on XX/XX/XXXX, and I received the return receipt on XX/XX/XXXX. I emailed Fifth Third Bank on XX/XX/XXXX, at which time I requested an update regarding the status of the received complaint. 

I have yet to hear from Fifth Third Bank. 

Background : I purchased a {$21000.00} lifetime access elite training program with XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

Services purchased : *Premier 1-on-1 coaching ( 13 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX  XXXX   XXXX XXXX *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) Services received : 5 premier 1-on-1 coaching sessions Services not received : *Premier 1-on-1 coaching ( 8 weeks/or sessions ) *Assigned Senior portfolio advisor ( lifetime access ) *Diamond reserved inventory ( lifetime access ) *Lifetime membership and access to XXXX  XXXX   XXXX XXXX  *Access to client success advocates ( lifetime access ) *Access to Reserved Inventory ( lifetime access ) *Access to inventory List ( lifetime access ) I attempted to contact XXXX  XXXX XXXX  XXXX  on : XX/XX/XXXX-phone out of order XX/XX/XXXX-email undeliverable XX/XX/XXXX-web address no longer valid I requested that Fifth Third Bank investigate and credit me back the amount paid for services not received. 

I have yet to hear from Fifth Third Bank regarding this dispute.
Product: Payday loan, title loan, or personal loan

My wife and I bought a XXXX  XXXX XXXX from XXXX XXXX, back in XX/XX/XXXX. We were financed through Global Lending Services, and have been paying on it ever since. 

Then of XX/XX/XXXX, my wife & I ask for the payoff amount to pay the car off. The total came to {$5800.00}, so we had to make two payments to them. One for {$4900.00}, and one for {$800.00}, due to they could only take a payment up to {$5000.00}. 

We figured that it was done, and now owed the vehicle. That was until XX/XX/XXXX, when my wife & I were trying to buy a house, and found out they reported to all three credit bureaus that our account status was repossession/foreclosure. 

I call Global Lending up, and they said they wails correct their mistake, and once again .... I figured that was the end of it. 

Until I took my title to the DMV. They told me I needed a Lien Release Letter from them, to have them taken of as the lien holder. 

I call them today, to get that .... To find out they gave the lien to an auction company. 

This is now getting to become a problem. 

They are messing up my credit score with XXXX XXXX and XXXX, as well as giving some auction company property that I have in my possession, and have paid off as agreed to the contract. 

This has to be illegal, and my wife and I need help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC is XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Under the Fair Credit Reporting Act, 15 U.S.C. {$1600.00} Section 611 ( a ) ( I ) ( A ).

Dear LVNV Funding LLC, I am writing to request validation of the debt referenced in your records as [ Account Number or Reference Number ]. This request is made pursuant to the Fair Credit Reporting Act 15 U.S.C. {$1600.00} Section 611 ( a ) ( I ) ( A ), which entitles me to obtain verification of any debt that you claim I owe.

To comply with my request, please provide the following information : Assignment Contract : A copy of the assignment contract or agreement that establishes your right to collect this debt. 
Permissible Purpose : Documentation showing your permissible purpose for obtaining my credit report and collecting this debt. 
Amount of Debt : A detailed breakdown of the total amount you claim I owe, including any fees or interest.

Name of the Original Creditor : The name and address of the original creditor to whom this debt was owed. 
Documentation of the Debt : Copies of any documents that substantiate my obligation to pay this debt, including contracts or agreements. 
Proof of Your Authority : Evidence that you have the legal authority to collect this debt on behalf of the original creditor. 
Until I receive this information, I request that you cease all collection activities and refrain from reporting this debt to any credit reporting agency. 
I appreciate your prompt attention to this matter and look forward to your response within 30 days of receiving this letter. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Citibank refuses to give me my funds after they closed my account # XXXX.
Product: Debt collection

Well this is an invalid debt the original creditors sold it no longer under contract!
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 XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

As of XX/XX/year> my mortgage went up about XXXX dollars. My current mortgage is around XXXX. And has increased about XXXX. This is an excessive increase.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the XXXX  of my XXXX  to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions XXXX XXXX Affidavit. Please delete the items as soon as possible.
Product: Credit card or prepaid card

XX/XX/XXXX made an on-line purchase at Walmart.com. It was offered, at check-out, a {$35.00} credit if I opened a credit card. I got the credit card this day because of the Promotional Credit. Called Customer Service on XX/XX/XXXX regarding the {$35.00} credit promotion ; was told this would take 1-2 billings cycles. Called on XX/XX/XXXX & talked to XXXX, she stated this promo credit was never applied so she would push this over and it would show up in 4-7 business days on my account. Called on XX/XX/XXXX and talked to XXXX, she stated this credit would show up in another 1-2 billing cycles. Think this is a scam, and they are not ever intending to issue the advertised Promotional Credit. If a consumer didn't pay their bill on time, they would be charged interest. Walmart/financial institute for the credit card should have to pay interest for their false promotional credits.
Product: Checking or savings account

I opened a new checking account with an offer to receive an account bonus of {$300.00} upon making a direct deposit of {$500.00}. Upon completing the offer code requirements I allowed the 15 days for the credit to be applied, but it was not. I called Chase customer support and was advised no code was applied. I escalated the call and was advised to get a new code emailed so I did. The agent added the code. Later in the call the agent said I am not eligible for the offer since I have account in 2022. The issue I am having is this is classic bait and switch. You offered me the option to open a new checking account and sent me a code. I opened the account with said code and then you informed me I will not be receiving the cash bonus of {$300.00}. The correct and right thing to do is to honor the offer you provided me. The agent said the offers are sent to people randomly and nothing can be done. I do not accept this.
Product: Credit card or prepaid card

XX/XX/2022 and XX/XX/2022 My application was denied and processed as fraud as I was trying to change my name to my legal name and/or cancel the application and start over. They still did a hard inquiry when I asked them not to until I was able to fix this.
Product: Student loan

I had discover student loans. I refinanced them with XXXX. XXXX sent them the check for the refinance on XXXX XXXX 2016. Discover cashed the check on XXXX XXXX 2016. The money never posted to my account. Discover says although they might have cashed the check, they can not locate the funds therefore they can not do anything about it. XXXX has sent check images to prove the check was sent and cashed but discover still say that it is not their problem. They are not doing anything to resolve the problem. They will not talk to XXXX about the issue. Discover still says I owe about XXXX dollars when my loan through them should have a {$0.00} balance. I have called them almost every day since XXXX to resolve the problem. I keep getting pushed around.
Product: Mortgage

JP Morgan Chase continues to defend themselves by saying that they were in the right and that the foreclosure on our home was valid and basically " by the book '' ; However, while it might have been end the end, it was NOT because it should the never gotten to the point of foreclosure in the first place. They continuously accuse me of lying by saying that I did not get the requested documents in to them in a timely Manner when I very much did so ( as did the law firm that was helping me at the time ) AND they also basically accuse me of lying when I report that a representative at JP Morgan Chase told me that she could not take a temporary payment that I was set up to make and after I have made consistent temporary payments for several months. She said that she could not accept it because the loan was under a modification review. Well, .... that IS why the temporary payments were set up in the first place. 
Every time I report JP Morgan Chase all they do is send the same response only changing the dates on the letter. No one even takes the time or cares to truly investigate my reports, let alone offers a reasonable or satisfactory resolution. They screwed us over and left me homeless by not processing our request for a loan modification promptly and then turned around and tries to blame it on me for not getting the requested documents to them in a timely manner when I most certainly did. 
I have reported this numerous times and will NOT stop reporting it until a satisfactory resolution is made to us for this debacle and XXXX on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$12.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is falsely reporting information on my consumer credit report that does not belong to Me. They are reporting a debt that has already been disputed and deleted from all the credit bureaus and they are adding false dollar amounts to make it look like or appear as a different account.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am formally lodging a complaint against EQUIFAX for the inaccurate reporting of a bankruptcy on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : 1. Inaccurate Bankruptcy Reporting : EQUIFAX has erroneously listed a bankruptcy on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions.

2. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect bankruptcy information, EQUIFAX is in blatant breach of this statutory protection. 

3. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate bankruptcy information without due diligence and accurate verification flouts compliance with this regulatory requirement.

4. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, EQUIFAX has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates.

The inaccurate and unfounded reporting of bankruptcy by EQUIFAX is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report.

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

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

Experian is holding my credit score hostage. They are reporting a score 50 points lower than XXXX  and 100 points lower than XXXX XXXX. 
The score has been basically the same for the past year. 
one of the reasons listed is that my credit is too new I have been paying on my mortgage with an exceptional payment record for the last 10 years. 
Experian states you can boost your credit score by activating " experian boost '' which basically consists of giving them access to your checking and savings account. So they can verify utility and cell phone, etc payments. 
What so they can have a data breach and your entire savings can be wiped out in the blink of an eye. 
It is the most blatant example of misconduct perpetrated by a credit reporting agency. 
This is unacceptable and my credit score should not be held hostage until I give them access to all my personal banking information.
Product: Credit card

I recently applied for a XXXX rewards credit card through barclaycard, they requested for more information stating to identify myself, I sent documentation including drivers license front and back, ss card, and a bank statement, I called to follow up company 's response was we do n't believe that this identity is you, representative hung up I was told that I could have been approved but they did n't believe it was me, how is this possible when my credit report states my information correctly and note that I just bought an automobile for XXXX, the company is denying credit for people who qualify, please stop this practice!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that does not belong to me through TransUnion and there are a few inquiries that are not mine on XXXX  and TransUnion I have been disputing these with the bureaus and the furnishers but they wqill not help me out I didnt open this account or pulled any of those inquiries I need help to remove this from my account please. 

XXXX XXXX - Acct # XXXX Amt {$62.00} Opened XX/XX/2020 INQUIRIES XXXX XXXX XXXX - Inquiry date : XX/XX/2020 XXXX XXXX XXXX - Inquiry date : XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  score is the worst system these credit bureaus could come up with! My scores shooting down low even after a {$50.00} increase on one of my cards! Ridiculous!
Product: Student loan

I was placed under a Federal Rehabilitation Program for my outstanding student loans, which expired 2019. Once my program expired, I applied for a income based driven repayment program that was under review because I have sent all financial documents as requested, and was was waiting for a approval per their representatives. Unbeknownst to myself and my family, my 2019 income tax was taken without notice by the Federal Offset Unit. I attempted to contact the Collection Agency as instructed and was consistently misled about the process and not informed of my rights. Per the I.R.S I was supposed to received a notice of intent giving myself 65 days to make arrangements and avoid such actions ( paragraph 2 of page 1 attached ). I am left with very little options and feel as if my finances are being held hostage and being bullied as a consumer and graduate.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years, I have been getting the run around from TransUnion regarding access to my Credit Report and Score.

First, they said that you could not view my report/score because they needed to verify my identity and requested to send them copies of my social security card and driver 's license. On XX/XX/2021, I sent them the requested information and a summary of the issue. 

Since then, I have called TransUnion several times to follow up, and every time I call, they give me a run-around and send me from department to department only to tell me, " we are working to resolve the issue, and someone will be in touch within 72 hours. '' However, nothing gets done, and no one calls me back. 

TransUnion has so much power over my creditworthiness and financial life. But, unfortunately, they are not reliable nor a responsible party to have this privilege. 

I would greatly appreciate any assistance you can provide to address this problem as soon as possible.
Product: Checking or savings account

On XX/XX/XXXX : It appears that someone opened an XXXX XXXX credit card account with my personal information, used our business checking account number ( gathered fraudulently by hacking into our CHASE BANK online banking ), then paid off that XXXX credit card with our business checking account. 

The total stolen amount is of {$22000.00}. 

There was another attempt by potentially the same group, on XX/XX/XXXX, with a XXXX credit card for a payment of {$23000.00} charged to our business CHASE BANK checking account. Luckily chase stopped that XXXX. The one from XXXX wasn't stopped in time and CHASE is unable to return the funds because of Regulation E not being applicable for business accounts. 

We have opened a claim with XXXX to recover the missing {$22000.00} ( Claim number : XXXX ) on XX/XX/XXXX but we have not heard anything back to this date. 

Attached you will find the Chase claim, and our XXXX statements with none of the amounts matching the {$22000.00} stolen.
Product: Credit reporting or other personal consumer reports

I am writing in response to your investigation results regarding the late payment reported by XXXX XXXX  on account number XXXX. While you have provided me with payment history and account details, this does not constitute full verification under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which mandates that a credit reporting agency must establish and follow reasonable procedures to ensure the accuracy of the information it reports. Additionally, I must bring to your attention that there is one specific late payment reported on this accountdated [ XX/XX/2020 ]. These payment were, in fact, made on time, and the reporting is inaccurate. Even more troubling, the other major credit bureaus correctly report this account as Paid on Time. I respectfully request that you conduct a thorough investigation by : Contacting the creditor directly to confirm the late payment and obtaining specific documentation to substantiate its accuracy, providing me with the name, address, and contact details of the data furnisher, and confirming the specific records and methods used during the verification process. If you can not provide adequate proof of the accuracy of these reported late payments, I request their removal from my credit report as required by law. Thank you for addressing this matter promptly. I look forward to receiving a written response detailing the steps you have taken to ensure compliance with the FCRA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, inc. ) due to inadequate customer service and unfair practices, which violates 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 was unfair and deceptive as they did not comply with the resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loses, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Wow where do I start. My closing was over 3.5 hours ago and Chicago Title is unwilling to provide me with my Federal Reference # for a very large wire from the sale of my home. I can not believe they are in a fiduciary capacity. The closing agent ( Chicago Title ) supposedly sent the wire over three hours ago but the wire is still supposedly processing. 

I was put on hold multiple times for a very long time, after being told only the accounting department can provide Federal Reference # s. Ironically, the hold music talks about the dangers of wire fraud for home buyers and sellers and how you need to be extremely vigilant after a wire has been sent. 

I still don't have any confirmation the funds were sent and the buyer was given the keys to the house three hours ago. 

The company said things such as you're not our customer; were not a bank when trying to explain why they couldn't provide proof the wire was initiated, and then told me to [ expletive ] off and hung up.