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

On XX/XX/XXXX, XXXX, and XXXX 2021 large sums of money was taken out of my account by scammers using XXXX XXXX. I had problems with them months before and felt that they had moved on because they had targeted my XXXX XXXX XXXX account for the sum of {$300.00}. The scammers had access to my social security number, address, passwords and personal id questions. They had convinced me to install Id.me and they gained access to my phone. I received the {$300.00} back from XXXX. They sent check books in my name and tried to threaten me to sign it and cash it in the amount of {$7000.00} and {$60000.00}. The name on the checks is my name and navy federal credit union. They also sent a check for me to cash in the amount of {$50000.00} from XXXX XXXX XXXX XXXX and said if I didn't cash it and follow instructions the men that it come from was coming after me, and i said no worries I'm sending it back to XXXX XXXX. I carried all this information to the police station and filed a fraud report. Then I took it to navy federal bank in XXXX NC, and they verified that it was a fake check and that the checks that were sent to me by ups were in fact not their checks. In XXXX XXXX I got two letters in the mail from XXXX XXXX and the letters said that I owed them {$51.00} and it was past due. So I called them and spoke to the manager who name was XXXX and I told her my phone was hacked and I had been defrauded and scammed and that I hadn't ordered any checks. She waived the fees and put a block on my name so they cant order anymore and she said they used a credit card and it went through for the purchase but didn't clear so that's why they came after me. N They took {$6600.00} out of my navy federal account using XXXX XXXX and neither one of the companies want to refund my money. Both have the same reason for not giving my money back. Navy Federal said because I used the app before I was scammed then they weren't paying my money back. I was still able to use my phone it was just glitching and the screens were moving by themselves and doing crazy stuff. on XXXX when money was taken I was at the airport in XXXX Texas boarding the plane or on the plane, on XXXX, I was outside doing yard work and my phone was inside my house charging and the XX/XX/XXXX my wife sent me {$500.00} because she left her wallet home and we were at XXXX shopping and I didn't even have my phone with me then to see if she actually sent the money back. Navy Federal Not one time called or texted and asked were i aware of these large charges coming out of my account, so they should be held responsible. I have my lawyer involved also XXXX XXXX XXXX XXXX XXXX XXXX, attorney XXXX is looking at all the evidence that I gave Navy federal to prove that I was scammed and to get my money back and they disregarded it. Then this morning the lady XXXX said they have in my file if I get an attorney to not speak to me to tell me to contact them by mail or fax. can you please help, this was my XXXX back payment money and I waited 5 and 1/2 years for this and have had numerous XXXX for someone to come and just take it then my bank not even protect it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX  and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion XXXX a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Date Error : My payments for XXXX and XX/XX/XXXX were made on time. I have provided bank statements and payment confirmation receipts which clearly show that the payment was processed before the due date, but the creditor erroneously marked it as late. 
Technical System Failure : Upon reviewing my account activity, I identified that there was a technical issue with XXXX  XXXX 's payment processing system during that period. This error delayed the application of my payment, though it was sent on time, as confirmed by the confirmation number I received after submitting the payment. 
Clerical Mistake by the Creditor : In addition, it seems that XXXX XXXX applied my payments to the wrong account, causing a delay in crediting my account on time. I have documentation showing that this mistake was recognized internally by XXXX XXXX customer service. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Product: Checking or savings account

On XXXX XX/XX/2021 IRS has send my stimulus payment as a direct deposit to my account ending in XXXX, the account which has been closed long time ago. Today I called Capital One and this manager said to call on weekdays because apparently she can't get access to my closed account transactions on weekends. 

As you would already know from all my previous complaints I don't trust Capital One and I don't trust your phone operators at all. 

So I called again and this time a representative named XXXX - ID : XXXX picked up the call. She said " the bank has received the money and the money was supposed to be returned back to the IRS because the account is already closed but the money hasn't been returned yet and she does not know why it hasn't been returned yet. '' Then upon questioning her, the very next moment she says " Capital One has not received any stimulus payment from IRS so the bank can not return any money that the bank hasn't received in the first place. '' I asked her, " you just now said the money has come through '' and she says " no, no, no, I didn't say that. '' Then she asks me to contact IRS to find out about it and said there is nothing Capital One can do about it. 

As I have said before, I always knew money in my Capital One accounts were never safe. I am glad I have closed all my accounts with Capital One, the best decision I have ever made.
Product: Credit card or prepaid card

Barclays and the " office of the President '' keep blowing me off, but they are going to get a lawsuit if this is not dealt with and completely resolved off my credit report by XX/XX/XXXX. 

To be crystal clear ***I NEED TO SEE A FULL YEAR OF CREDIT CARD STATEMENTS FOR XXXX OR I WILL BE FILING A LAWSUIT FOR FRAUD AND WILLFUL NEGLIGENCE. *** And do not dodge this request, XXXX, or ignore my phone calls or emails again, or this will escalate into a lawsuit and Barclays will lose. The fact that I've had to file consecutive complaints through the XXXX just to get through to them at all speaks volumes about the level of XXXXXXXX XXXX that is going on and they are going to pay for it. 

If more details are needed - see my previous 2 complaints as this is a systemic failure on every single level. XXXX is supposed to protect consumers and that is not what is happening. THIS IS NOT OK!!!
Product: Debt collection

I called XXXX insurance inquiring about my coverage when the Rep stated that I had an outstanding balance and if I do not pay I will be dropped. I told the Rep that I had cancelled the insurance so I do not understand the balance ; she stated that it was from a previous policy and that I still had a balance that was owed. I never knew about the debt and the debt was never validated. I called in a few weeks prior to buy another policy and the Rep never did mention an outstanding balance that was owed, instead she just took my money and issued me a new policy. So if I owed a balance, why would they start a new policy on me I stated? what I ended up doing was making a payment arrangement to pay the outstanding balance off because I need my insurance. Fast forward, I went to check my consumer report and XXXX had already sold the debt or assigned it, to be collected, I really do not know, considering I never did business with the company that is listed on my consumer report or signed any contracts with the company
Product: Money transfer, virtual currency, or money service

Dear CFPB officer, I recently made a wire transfer from my Chase business account to a 3rd party using an account at XXXX  The {$2000.00} that I wired has been missing although it was sent more than a week ago. I tried to ask Chase if they can help and all they are telling me is that they have made the wire transfer. I also tried to withdraw the wire and I received no response from Chase. The 3rd party that I sent the money contacted XXXX  customer service and they keep saying that they can not locate the funds. The money has practically evaporated within the United States.
Product: Debt collection

For the past 5 years I have had my yearly XXXX XXXX screening at XXXX XXXX XXXX, which has been in the network of my insurance. Following the XXXX XXXX XXXX I had on XXXX, XXXX, XXXX XXXX XXXX recommended a follow-up diagnostic XXXX XXXX XXXX The diagnostic tests were performed on XX/XX/XXXX. However, XXXX XXXX submitted its claim to XXXX, my current insurance provider, under the name of one of its radiologists who was not in XXXX network ; therefore, when XXXX processed the claim my copay was higher than expected. I chose XXXX XXXX XXXX to perform my yearly XXXX XXXX screening because it was part of my insurance network. I am willing to pay the copay designated by XXXX for providers in the network ( see attached ). On XX/XX/XXXX, I communicated to a XXXX XXXX XXXX representative the fact that the bill was submitted out of the network ; she said that it wasn't. The same day I was told by a XXXX representative that she was going to have XXXX XXXX XXXX resubmit the claim because indeed it was part of the network. I received a debt collection letter from Balanced Healthcare Receivables dated XX/XX/XXXX, requesting {$110.00}.
Product: Money transfer, virtual currency, or money service

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 3 XXXX XXXX  Unauthorized inquiries COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 COMPANY NAME XXXX XX/XX/2021 I HAVE 1 COLLECTIONS COMPANY NAME UPLIFT account that is fraudulent.I have contacted the company. I was informed that this was a loan taken out in my name, I have never received funds or anything. I have spoken to this agency twice. 

Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name XXXX XX/XX/2021 Company name Uplift account XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

Republic Finance is reporting the incorrect amount on my credit reports. My account is up to date and should not be showing behind. I have requested to have the information updated. Please update or remove from my credit report immediately. The amount is {$210.00} per month
Product: Debt collection

CITIBANK has violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached its duties as fiduciary trustee by harassing me regarding this alleged debt. They have repeated called me 5 times a day, on weekends, in the evenings, and in the early morning which is extremely inconvenient and a violation of their cease and desist. CITIBANK received a written cease and desist letter on XX/XX/2022 and continued to call repeatedly violating the law.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, both my financial institution and Zelle have failed to adequately investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings suggest that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Credit card or prepaid card

Hi, I am a long customer of Bank of America for over 15 years. I have a personal checking account, as well as a XXXX XXXX checking account with them. On XX/XX/2021, I tried using my personal credit card to make a small purchase, it was declined. Then I tried using my XXXX credit card, it was also declined. It I know I have sufficient credit line in both of my cards so I contacted them immediately to see what the problem was. I later found out that Bank of America closed my account, and they are not able to tell me the exact reason but just due to " business decisions ''. I respect their final decision and I plan to go to another bank, but one thing that I find extremely unfair is that they are forfeiting all my credit card reward points that I've been saving and accumulating over the years. The reason why I use these credit cards in the first place is because of the benefits from the reward points. I have {$1300.00} to redeem on my personal credit card, and {$68.00} on my XXXX credit card. It is not a small amount. I understand they can close my account anytime they wish, but the points should be at least rewarded to me for the times that my account was open and in good standing. I've never missed any payment for my credit card accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the first letter to XXXX on XX/XX/2018 in regards to several collection acct that is supposedly mine. 1st acct is for the amount of {$1900.00} and the 2nd for the amount of {$640.00} and under sec. 609 of the FCRA they are supposed to send me a copy of the original contract that I signed and they did NOT provide me a copy with the original contract. All they say its verified when yet they are supposed to provide me with what I requested. 
So I sent a second letter on XX/XX/2018 On regards to them same accts that I previously stated and all they do is say its been verified but NEVER sent me the original contract that I signed. And now I mailed out my 3rd letter on XX/XX/2018. And I will be attaching all three copies of the letters I sent so they dont try to Deny ever receiving letters from me
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report which cause XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 14 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Resolution : As a consumer, by law my credit report must be made 100 % accurate immediately by the credit reporting agencies updating and/or deleting the accounts listed in my dispute letters attached. Thank you.
Product: Credit card or prepaid card

Looked over my credit a found credit cards Ive never seen, used or even opened. I even seen addresses that I never lived at also.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. In my dispute letter, I explicitly requested that TransUnion provide specific information on how they verified the accuracy of the disputed items, including : The date they contacted the creditor/furnisher. 
Contact information for the creditor/furnisher. 
Name of the person who verified the item. 
Method of communication used to verify the information ( phone, email, mail ). 
Whether the creditor provided my SSN, address, and date of birth. 
However, I have not received any response from TransUnion regarding my request. 

According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Additionally, the bureau is required to provide the consumer with the results of the investigation, including specific details on the verification process if requested. 

TransUnions failure to respond to my dispute and provide the requested verification details is a violation of the FCRA. As a consumer, I have the right to accurate information in my credit report and to receive a thorough investigation into any disputed items.
Product: Debt collection

I received a new account notification from a credit monitoring service I use on XX/XX/2016 and upon looking into this, Midwest Recovery Solutions has an open collections account for me for what I 'm assuming is a payday loan through XXXX for {$800.00}. There are several problems with this : I have never taken out a payday loan, have never heard of XXXX nor received any correspondence whatsoever from that " company '' in regards to the account in question, and have never heard of Midwest Recovery Solutions nor received any correspondence by certified mail, phone, or email in regards to the account in question. I attempted to reach Midwest Recovery Solutions via phone, but was unable to. This account needs to be deleted immediately from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed same items that i been trying to dispute and validate with the credit bureaus ( XXXX, equifax, and XXXX ), and the original creditors, debt collectors, collections, etc, but yet to be resolved. I've attempted to contacted them several times through mail, and phone calls, but yet to get them resolved. I've haven't received any responses from them, and would like this to be addressed, updated, corrected and deleted. Although I understand that errors, and mistaken might happen, but would like a thorough investigation done and prompt resolutions.
Product: Credit card

I received a letter today dated XX/XX/ from fortiva retail credit. XXXX XXXX XXXX XXXX Georgia XXXX - XXXX. 
The letter says that there have been changes to my account. 
Last 4 numbers of the account XXXX and that the changes to my account will be effective on XX/XX/. I have never opened any credit card with Fortiva retail credit.this is not consensual business.
Product: Debt collection

Dear XXXX XXXX : I am responding to your business reporting a debt you are trying to collect. You reported on all three credit bureaus XXXX, XXXX as well as XXXX by postal mail, on XX/XX/2023, and identified the debt as verified debt owed. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was. 
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.