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

I have been disputing an inaccurate late payment with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 and again on XX/XX/2020 to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. I still have absolutely nothing from any of the bureaus ; No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Money transfer, virtual currency, or money service

I am filling a Complaint against Cash App ( Block , Inc. ) due to inadequate customer Service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they do not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant Inconvenience and Financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I have a checking account with Chase Bank that I opened in the summer of 2022. Chase offers a service to deposit checks using a smart phone by taking pictures front and back. I noticed that Chase is not crediting the funds deposited for up to nine days. I visited the Chase branch location at XXXX XXXX XXXX, XXXX VA XXXX and spoke with two women there. One provided her business card to me, XXXX XXXX. Both ladies said that it can take up to XXXXne month to " process '' my deposit. I spent 15 years in banking in the XXXX. This can not be true. The checks deposited were from large commercial banks, XXXX XXXX and XXXX and the like. Chase seems comfortable with this as a policy. Is there policy legal? What can be done about it?
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to appear on my credit report, in violation of federal law. I sent letters to the three credit bureaus but have not received any response. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they fail to validate these accounts, I will pursue legal action. Please comply with the law to resolve this matter promptly. 
XXXX XXXX XXXX XXXX : {$430.00} XXXX XXXX XXXX XXXX Balance XXXX {$14000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I received two hospital bills in XXXX. The charges looked identical on each invoice. While I was in the process of understanding my bills I started paying the hospital. I was contacted by a collector saying that payment in the amount of {$470.00} must now be sent to them. It was XX/XX/XXXX ( our income was strained ). I contacted the hospital again on XX/XX/XXXX and spoke with a representative who told me that the problem was how the insurance company processed payment on the bill. They paid on the bill as an out-of-network instead of in-network. All of the doctors were in-network. I contacted the insurance company on the same day and spoke with a representative there and they gave me a confirmation code to give to the hospital. I contacted the hospital representative back with all the information provided by the insurance company including a new confirmation code. I was told by the hospital representative that the bill would be pulled from collection. I communicated all of this information in a letter to the collection agency. Now, 2 years has gone by without so much as a phone call, not even a letter until XX/XX/XXXX. This agency contacts me to tell me I have a debt in the amount of {$470.00}. My proof is in the names, dates, and confirmation code given to me for this bill. Can someone help me? I do not have a scanner but I 'm willing to make copies and send them if necessary.
Product: Credit card or prepaid card

I applied for a credit card with Wells Fargo bank, in/A. On XXXX XX/XX/2019 I was notified the application was denied. I have a perfect credit score via the XXXX credit reporting agency they used of XXXX. I believe I was denied due to my age not Credit worthiness. There was a {$300.00} bonus on this credit card if used properly, I believe Wells Fargo was doing a bait and switch scheme.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus Dispute Resolution Team, I am writing to dispute an inquiry that appears on my credit report. I recently reviewed my credit report and noticed an inquiry made by XXXX XXXX on XX/XX/year>. However, I do not recall authorizing this inquiry or applying for any new credit with XXXX XXXX around that time. Details of the inquiry are as follows : Date of Inquiry : XX/XX/year> XXXX : XXXX XXXX Inquiry Type : Hard inquiry I kindly request that you investigate this matter and provide me with detailed information regarding the purpose and basis for this inquiry. Additionally, please provide any supporting documentation related to the inquiry. If this inquiry was conducted without my explicit consent, I request that it be promptly removed from my credit report. I understand the importance of accurate credit reporting, and I believe resolving this matter is crucial for maintaining the integrity of my credit profile. Please send me a written response acknowledging the receipt of this dispute letter and informing me of the steps taken to investigate and resolve the issue. You can reach me at ( XXXX ) XXXX or XXXX to discuss any further information or documentation required. Thank you for your prompt attention to this matter. I look forward to a timely resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mississippi XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX XXXX report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed this account XXXX XXXX XXXX. With XXXX, Equifax, and XXXX I have never been provided any information on how this account was verified, but yet it's still being reported on my credit reports. All 3 credit bureaus are reporting inaccurate, unverified information. This account needs to be deleted.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX  XXXX XXXX Balance : {$300000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into the hands of the wrong person
Product: Checking or savings account

I have not had access to my bank account for XXXX weeks. On XXXX, I attempted to log into my account from a new phone. My old phone was not working. The bank needed to text me a code to authenticate my account. But the screen is broken so I wasn't able to get the code. I then attempted to reset my password but was locked out. I called Ally bank which took an hour to speak to someone. She reset my password and started to provide me the temp password to log in but after the first letter, the call disconnected. I waited for around 10 minutes thinking she would call me back. She did not. So I called again and this time the wait was almost XXXX hours. I asked this new person to call me if the line disconnects since I've spent over XXXX hours just trying to reset my password. She then tells me that she is not able to and if I disconnect I need to call back. I asked for a supervisor but she was not able to get XXXX for over XXXX minutes. She then attempted to reset my password and I still couldn't log in. She then transferred me to tech support who said the issue was probably due to their nightly update but he could fix it. After XXXX : min he could not fix it. He stated he would open a trouble ticket and I would receive a call on Friday XXXX. No one has called. I attempted to call several times but could not wait the long hold time of over an hour. I called Saturday and reached some after XXXX min. He looked at my account and said I'm still locked out. He then acknowledges This is a known issue and there's nothing else that can be done. This makes no sense that a bank could lock me out of my account for XXXX weeks with no estimates on when this will be fixed. I have bills to pay and I can't keep spending several hours a day to wait on hold for someone to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX, CA XXXX
Product: Student loan

I meet all of the requirements for student loan forgiveness under PSLF. I applied and FedLoan told me I am not eligible until XX/XX/XXXX. My eligibility for forgiveness has been under review since XX/XX/XXXX, and the eligibility dates they have provided me have changed. 

FedLoan says my student loans were in deferment from XXXX - XXXX under XXXX XXXX XXXX. I know I made payments during this time. However, since I am no longer able to access my XXXX XXXX XXXX information online, I have requested my payment history during the time my loans were serviced by XXXX XXXX XXXX. I have requested this information from both XXXX and XXXX multiple times without complete success. I am looking for my full payment history as well as full customer service history during the time my loans were serviced by XXXX XXXX XXXX, specifically from XX/XX/XXXX - XXXX when XXXX XXXX took over my student loan.

Although I do not have the full payment history from the time my loans were serviced by XXXX XXXX XXXX, I have a document from XXXX  showing that I entered into an income based repayment plan on XX/XX/XXXX. This suggests to me that I began making payments after this date. ( document attached ) I also have documentation from XXXX showing payment history as far back as XX/XX/XXXX. This suggests my eligibility for loan forgiveness under PSLF should at least be XX/XX/XXXX. ( document attached ) My students loans would have been in deferment up until XX/XX/XXXX. However, once I entered into that payment plan, I dropped classes in the Fall XXXX semester and began making payments on my student loan as part of the PSLF program. My transcripts show I dropped classes and did not enroll in coursework to meet deferment requirements after that time. This also suggests to me that I started making payments. Otherwise, I would have continued taking classes to keep my students loans in deferment. ( document attached ) One last point I would like to make, my employment also meets the employment requirements of the PSLF program. I have worked for this same employer for over ten years. This has been verified and approved by FedLoan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Re : Santander consumer Account Number : { XXXX } To Whom It May Concern, I have received my credit report and I have contacted numerous times and even disputed it with the Credit Bureau . I am requesting a Goodwill Adjustment to remove the late payment ( s ). 
All late payments were from late XXXX until early XXXX during the pandemic, and financial crisis. Before this time frame I paid more than asked ahead of time. 
I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payments are being reported and I am requesting the removal of these late payments, as it has been reported to the Bureaus. 
Sincerely, XXXX XXXX _________________________________________
Product: Credit card or prepaid card

I am enrolled in the credit card " opt out permanently '' protection program. " Chase for Business '' has ignored my enrollment in this program and continunes to barage me with Chase Visa card applications. Ive contacted them three ( 3 ) times asking them to stop sending me these application but they continue sending them. Can you help me stop Chase 's violation of my " opt out permanently '' enrollment?
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash because i was a victim of Idenity theft they keep emailing asking me for money something I did not do they closed my account down down to my sister using my info without my permission nor consent cash app block in due to adequately customer service and unfair practices which violate the consumer financial protection actCFPA specially cash app fail me timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected when I submitted all facts and proof of police reports furthermore their dispute resolution was unfair and deceptive as they did not comply with the error resolution requirements under electronic fund transfer act XXXX and regulation this issue has caused significant and convenience and financial loss and I seek appropriate readdress for the fincial loss and I seek appropriate readdress for these violations
Product: Credit card

I got an unexpected interest charge on my bill. I was informed by an employee that used Care Credit in their facility that I should be able to pay off the interest if I paid the min. balance. I always paid more than the min. balance. Every time I tried to reach the supervisor or manager someone else would assist me and the only solution, they offered was to waive the interest if I paid the complete balance off in 1 month ( which they knew was impossible for me to do ). I then took it to XXXX  and made public reviews ( as XXXX  suggested ). Then they were going to get the supervisor or manager, but they still offered the same solution yet again! I just want them to drop the outrageous interest charge so I can pay off the remainder of my balance, but they refuse to cooperate.
Product: Debt collection

I contacted this company on numerous occasions to verify this debt but no response. This is defamation of character with no verified proof of this debt.
Product: Credit reporting

I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX Balance Owed : {$0.00} ; US XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} ; XXXX XXXX INT XXXX Balance Owed : {$750.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$15.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$110.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$280.00} ; UTILITY SELF-REPORTED XXXX Balance Owed : {$140.00} ; XXXX, XXXX XXXX XXXX XXXX  XXXX ; XXXX XXXX CT XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

PRESENTED A CASHIERS ( BANK CHECK ) ISSUED BY XXXX XXXX FOR DEPOSIT INTO A WELLS FARGO BUSINESS CHECKING ACCOUNT. WELLS FARGO INDICATED THAT IT WILL TAKE 10 DAYS TO CLEAR. HAD TO RETURN TO XXXX XXXX AND DO A WIRE TRANSFER FOR WHICH I WAS CHARGED FEES BY XXXX XXXX AND WELLS FARGO. XXXX COULD NOT CLEARLY DEFINE THEIR POLICY ON ACCEPTING BANK CHECKS. I HEARD A FEW DIFFERENT THINGS FROM XXXX  AS TO WHY OT TAKES 10 BUSINESS DAYS TO CLEAR A CASHIERS/BANK CHECK : 1. THE XXXX  ACCOUNT THAT THE CHECK WAS BEING DEPOSITED TO WAS ONLY 7 MONTHS OLD. 2. THE HOLD IS DETERMINED BY THE LOCAL BRANCH MANAGER. 3. TELLER WASN'T SURE WHY THEIR WOULD BE A HOLD. BRANCH LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX BANK FALSE CLAIMED TO HAVE SETTLED CLAIM BY PAYMENT OF {$60.00} BUT THAT IS NOT TRUE. SEE PRIOR CFPB CLAIM NO. XXXX AND COMPANY RESPONSE. 

ONLY RECIEVED HALF OF THE MONETARY RELIEF. 

WELLS FARGO OWES ME ANOTHER {$30.00}
Product: Mortgage

My wife and I decided to refinance our house to help lower our payment a little bit. When we met with the company to start the refinance process, we were told that there was going to be no cost to us. Then we get documents that said we needed to bring {$270.00} to closing. We then get communication that we need to bring {$870.00} to closing. We next get a Document to sign saying we need to bring over {$1000.00} to close. We get that issue resolved, but have yet to receive any documentation on anything else. We have had to constantly request updates on where we are in the Funding process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX  NA is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX DEPT OF ED/XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I hope this message finds you well. I seek your assistance regarding an issue I've encountered on my credit report related to child support payments.

Upon reviewing my credit report, I noticed that it indicates I owe child support and shows a record of late payments. Concerned about the accuracy of this information, I contacted the XXXX XXXX office for clarification. They advised me to reach out directly to Experian to have these inaccuracies removed from my credit report. 

Additionally, it's important to note that over the years, there were instances where XXXX XXXX owed me money due to taking over certain payments. After requesting reimbursement from them, which they processed, I was instructed by their team on how best to communicate this situation to Experian. 

Despite following through and sending all necessary documentation as directed by both parties involved ( XXXX XXXX and Experian ), the inaccurate entries remain unresolved on my credit file because Experian refused to remove the item from my report. 

As I'm currently working towards securing a XXXX XXXX  loan for my XXXX college education, having accurate information reflected in my credit history is crucial at this time. 

I would greatly appreciate any guidance or intervention you could provide in helping rectify these discrepancies so we can move forward without hindrance during her application process. 

Thank you very much for your attention and assistance regarding this matter ; it means a lot not only personally but also academically as we prepare for her future endeavors! 

Sincerely, XXXX
Product: Checking or savings account

Our account was hacked through a scammed XXXX transaction on XX/XX/2021 for {$2900.00}. Within hours of the fraudulant withdrawal, we went in person to our local branch to stop the transaction in the same business day. We have made phone calls and written letters all of which have been denied. 

Our understanding is that fraudulent XXXX transactions are covered by XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023