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

I Sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also I have attached the letter I sent out and here is the tracking #. XXXX According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

they stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting XXXX XXXX Accurate. And according to the FRCA 15 USC 1681 everything has to be XXXX XXXX Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX
Product: Credit card or prepaid card

I have an American Express Bluebird card. I have fraudulent charge disputes. XXXX from XXXX, XXXX from XXXX, XXXX from XXXX. These charges cleared my account on XX/XX/XXXX and XX/XX/XXXX. 
According to Bluebirds Customer Agreement if it takes more than 45 calendar days to look into charge disputes they will give me a credit to use after 10 days business days. 
I called multiple times and they are denying my request. I understand that it will be XX/XX/XXXX before I could hear back about the investigation. I did NOT make these charges.
Product: Money transfer, virtual currency, or money service

I am writing to formally escalate a critical issue regarding a missing XXXX transfer that has remained unresolved for over three weeks. I purchased a car, and transferred the agreed-upon amount via XXXX to sender. Before initiating the transfer, both of us verified that the recipients phone number and name were correct. Despite this, the recipient never received the funds. 

Summary of Issue : Initially, my bank ( Chase ) showed the transaction as pending, stating that it may take 2-3 days since this was the first-time transfer to this new recipient. 

The status later changed to sent, but the funds were never received. 
The recipients bank ( XXXX ) has no record of the transaction. 
We both filed disputes with our respective banks. Chase closed my dispute without providing any tracking details or confirming the whereabouts of the money. ( Attached document ) I visited a Chase branch in person, but the manager refused to assist, stating that he couldnt help since it was an online transaction. 
Over this period, I have spoken with more than ten different Chase representatives and received four different phone numbers, none of which led to any resolution. Reciver and I both went to Chase bank no one helped us with this issue, just gives some number that is never helpful. 
XXXX refuses to assist, stating that the senders bank ( Chase ) is responsible, while Chase fails to provide any accountability. 

Urgent Request for Resolution : This is a serious failure of Chase Bank, but I also expect XXXX and XXXX to intervene and hold Chase accountable to trace this transaction and ensure the funds reach the correct recipient. The situation has escalated to the point where the recipient is now demanding the return of the car or threatening legal action against me. This is causing immense mental distress, and I need immediate intervention to locate and resolve this missing transaction. 

I appreciate your urgent assistance in this matter. Please find details about transaction : Sender : XXXX XXXX, Amount sent : {$2000.00}, Date : XX/XX/year>, Tracking number : XXXX, Transaction id : XXXX Reciever : XXXX XXXX, Phone : XXXX, XXXX, Bank XXXX. 
My contact number XXXX XXXX XXXX, Sender primary number is : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration with the multiple unsuccessful attempts to address and remove fraudulent item from my account with Transunion Credit Bureau. My intention is to bring to your attention the gravity of the situation and request immediate action to rectify this matter. 

I first identified unauthorized and fraudulent transactions on my account. Since then, I have diligently reported these incidents through your designated channels and followed the prescribed procedures for resolution. Unfortunately, despite my repeated efforts, the fraudulent item have not been adequately addressed, and they continue to persist. 

I have made many attempts to resolve this matter through your customer support hotline and online support portal. Each time, I have patiently provided the necessary information, documentation, and details regarding the fraudulent transactions. Regrettably, I have yet to witness any significant progress in resolving this issue, and the fraudulent item remain on my account. 

This situation has not only caused me significant financial distress but has also eroded my confidence in the security measures and customer support services provided by Credit Bureau. As a loyal customer who has entrusted Credit Bureau and financial information, I expected a prompt and effective response to such critical matters. 

I kindly request an immediate and thorough investigation into this matter. I urge you to expedite the removal of the fraudulent item from my account, reimburse any unauthorized charges, and implement additional measures to prevent such incidents in the future. Furthermore, I would appreciate regular updates on the progress of the investigation and resolution. 

If this matter is not addressed promptly and satisfactorily, I may have no choice but to explore alternative courses of action, including filing a complaint with relevant consumer protection agencies and seeking legal advice. 

I trust that you understand the urgency of this matter and the importance of preserving the trust and confidence of your customers. I am asking for your assistance to remove this fraudulent item in my credit file : XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX {$6500.00} XXXX XXXXXXXX XXXX  $ {$600.00} XXXX XXXX XXXX  XXXX {$150.00} XXXX XXXX  {$280.00} XXXX  XXXX {$470.00} XXXX  XXXX {$0.00} XXXX  XXXX XXXX  {$700.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX  XXXX {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Placed order XX/XX/XXXX with XXXX XXXX XXXX using XXXX at check out. 
Purchase Total XXXX XX/XX/XXXX - Received Product the week of XX/XX/XXXX Product was not as described Called XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX to request a refund and return the product I was given permission via phone to return the product and receive a refund Informed XXXX  online that product was being reurned XX/XX/XXXX - XXXX XXXX XXXX  received product and accepted XXXX via XXXX. 
Proof of delivery attached XX/XX/XXXX and ongoing : Harrassed from XXXX for payment for a product that I have returned. XXXX placed account into collections. Informed XXXX  and credit bureaus that item has been returned. Shown proof of return product with XXXX Have made attempts with all parties to rectify the problem. Despite showing proof of refund all companies continue to fraudently state that money is still owed and continue to slander my name.
Product: Credit card or prepaid card

The new companies name is " Genesis FS Card Services ''. 
When starting to build my credit years ago i had signed up for these 2 credit cards that were owned by a different company. Each only had a {$300.00} limit with no annual fee. I obtained these cards simply to sit on and build up my total credit limit. 

Now several years later a new company has acquired ownership of the Indigo and Milestone cards. I suddenly started getting bills for a {$100.00} annual fee per card that i never signed a contract for. 

I tried to go onto their website to pay the bill/cancel the cards but all of the links on the website are dead. My bank will not connect to this website to allow me to attempt to pay this bill and the 2 phone numbers provided on their website are disconnected. 

I am not sure what to do in this situation, i would have never signed up for a {$300.00} limit card with a {$100.00} annual fee as i have 4 other credit cards with limits over {$3000.00} that have no annual fee. 

Here are the websites i am expected to pay the bill from, but they are non functioning and custom service is non existent. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I 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 process was unfair and deceptive, as they did not comply with error solution 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

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

XXXX XXXX XXXX XXXXXXXX - {$13000.00} XXXX XXXX XXXX {$3200.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX {$71.00} I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Product: Debt collection

I just received another foreclosure letter in the mail, which is a result of someone elses debt ( XXXX XXXX ), as discussed. 

As per prior messages to your team, XXXX XXXX is in contempt of automatic orders for failing to continue making mortgage payments, transferring marital and mortgage funds from his XXXX account to a partner in XXXX ( XXXX XXXX XXXX ), and using the mortgage funds to pay his attorney ( XXXX XXXX ), after commencement of index XXXX, in XXXX  court XXXX 
Both attorney XXXX and XXXX XXXX have committed perjury in court by making misstatements about XXXX XXXX financial condition on his XXXX, and for refusing to respond to a divorce settlement offer and a buy out offer of the home ( XXXX XXXX XXXX, XXXX, MA ), since XXXX XXXX XXXX XXXX  demanded that XXXX XXXX respond to my buy out offer in court. 

XXXX XXXX and XXXX XXXX XXXX may also have forged my signature on financial documents. XXXX XXXX XXXX appeared at my house recently with XXXX XXXX and was hostile toward me, which I have reported to the XXXX XXXX there is a XXXX  video of the attack. 

I am not in debt and the financial abuse by the lender and by XXXX XXXX and his attorney XXXX XXXX XXXX since XXXX has impacted my credit score, professional reputation, ability to earn a living, and the health of myself and my children. 

Our Index number is XXXX, in XXXX court XXXX We are unable to secure a trial date or any order involving these matters of contempt from the court. 

We just received the attached letter threatening to foreclose on our home in MA by USAA Federal savings Banks attorney, XXXX and XXXX, while Usaa and other lenders have refused to allow me to settle this matter, stating that I am not on the mortgage. 

I am requesting legal representation. Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX was paid to help most recently. In fact, after attorney XXXX spoke with his contacts at XXXX and XXXX, we received the attached documents, making matters worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the removal of XXXX inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These XXXX  inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these XXXX inquiries to restore the accuracy and reliability of my credit profile.
Product: Mortgage

This letter below was sent on XX/XX/XXXX and we were ultimately told on XX/XX/XXXX that we'd have a response by XX/XX/XXXX from the lender, US Bank. To date, they've not offered any remedy to our initial letter from XX/XX/XXXX. 

XX/XX/XXXX VIA CERTIFIED US MAIL US Bank Home Mortgage  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and US Bank National Association  Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, OH XXXX RE : Loan # XXXX Acct. # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX, OH XXXX Dear Sir/Madam : Please be advised that this law firm represents XXXX XXXX XXXX and XXXX XXXX XXXX with respect to their claims against US Bank Home Mortgage. 

The XXXX had worked with your XXXX Ohio XXXX to refinance their home. The goal of the refinance was to consolidate debt of a first and second mortgage and to payoff their home in 10 years. The loan officer, XXXX XXXX XXXX, showed they could lower their monthly payment and accomplish the goal. On or about XX/XX/XXXX, a closing disclosure was furnished to Mr. and Mrs. XXXX showing a monthly payment of {$1900.00}. Based on this information, they consummated their refinance and closed on or about XX/XX/XXXX and disbursed on or about XX/XX/XXXX. Within the monthly payment of {$1900.00}, was an escrow of {$240.00}, of which {$150.00} was the amount stated for real estate property taxes. Apparently, an error was made by the loan officer and all the  way through the checks to closing and the tax amount only represents half of the amount needed. In Ohio real estate taxes are charged semi-yearly, which has been the case over 100 years. 
US Bank Home Mortgage US Bank National Association Page 2 XX/XX/XXXX Recently, the XXXX received an annual escrow account disclosure statement which shows that they have a shortage of {$3500.00}. Keep in mind that all payments have been made timely and that the half year tax amounts actually went down in XXXX. They are now $ XXXX/half and last year they were $ XXXX/half. 

The XXXX believe that but for the negligence of US Bank they would not have refinanced their home. Also, the XXXX  were trusting their lender to handle their paperwork accurately and to use all due diligence to correctly address establishing escrows and disclosing the proper payment information. 

We would like to request that US Bank remedy this situation in either the following manner : 1 ) Waive the escrow shortages and begin a payment starting XX/XX/XXXX with the correct amount ( without arrearage ) and a check to the XXXX  for {$500.00} for their legal costs and trouble ; or 2 ) Refund to them all payments made and make them whole to refinance with another lender. 

You have 20 days to respond to our requests. I have advised the XXXX  that if you can not resolve the matter to their satisfaction, they should file a claim with the Consumer Financial Protection Bureau and we may bring a lawsuit for damages against US Bank. 

Very truly yours, XXXX XXXX XXXX RS/rcs cc : Mr. and Mrs. XXXX XXXX
Product: Checking or savings account

2 months ago I was scammed XXXX by using the post office driven web site to change address. The US post office knew about the hack on their site but said they couldnt fix it. BMO bank reimbursed me for the scam and then took the money back 2 months later. My complaint is with the post office and BMO bank for not taking care of their consumers
Product: Credit reporting or other personal consumer reports

This is the second time within a month that Ive received an email from experian stating that my credit report was used to request credit. This time it is with XXXX. I didnt apply open or authorize any of these attempts. I will contact both XXXX  and experian once they are open.
Product: Checking or savings account

Wells Fargo has been taking advantage that my mortgage serviced has been putting my house payment at the wrong time. Wells Fargo pays it and bounces all my small payments. The small payments were presented to Wells Fargo at the same time, its like they have there own money machine. XXXX at a time to the amount of XXXX. I originally opened these accounts on line. The local branch closed third accounts and opened accounts that have monthly fees. My wife and I are on very tight budget Im XXXX and my wife is still working. We dont have this kind of money to loose. We would like to eat also.
Product: Bank account or service

My husband 's debit card information was stolen ( presumably skimmed from an ATM machine ) and then used to make withdrawals of over {$1000.00} from his Chase checking account. When we made a claim with Chase, they declared that the withdrawals were valid -- despite being made in a different part of the country and completely out of line with our banking habits. My husband only makes withdrawals from ATMs a couple of times a year, since we use online banking for almost all transactions, and never in such large amounts. Furthermore, my husband was out of the US at the time of XXXX of the XXXX transactions -- a fact which we provided evidence for in the form of airline reservations, passport scans, and entry/exit stamps from the country. Despite the fact that my husband was not even in the country to make the withdrawals, never mind the fact that we live on the opposite side of the country from where the withdrawals were made, Chase deemed the withdrawals as " authorized. '' We lost over a thousand dollars and have no intentions of ever keeping our money in a Chase checking or saving account again.
Product: Mortgage

Since Ocwen Loan Servicing is not able to account for XXXX months of payments since XX/XX/1999 and the XXXX Office have reviewed the complaint filed against Mr. XXXX and found that he violated the Notary Laws of XXXX tand The XXXX as Trustee received the notification, This has caused detrimental harm to our home. We are requesting a discounted /short payoff and release of all claims as a result. Currently I have a fixed rate with a HUGE ballon payment that 's due at the end of the loan
Product: Credit card or prepaid card

In XX/XX/XXXX tried to set up payment plan in debt ex husband XXXX XXXX used credit card. That was not in my legal name. Name was never XXXX XXXX, which the account was opened. I fell behind due to the balance representative from American Express told me I could set up a payment plan if I caught my balance up I did so and they said I couldnt set up a payment plan so representative lied to me. I stopped paying on account in XX/XX/XXXX. American Express sued me in NH at XXXX Superior Court XX/XX/XXXX American Express or their legal team showed. The court ruled in my favor and case was closed. I am now getting new letters from new representatives of American Express threatening to sue me again. NH statute of limitations has passed. I understand it will show on my credit report but they shouldnt be reporting new missed payments, and have new legal teams harassing me after they failed to go to court. Case has been closed. I can reach out to XXXX Superior Court to get the case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

The finished my payments with XXXX XXXXXXXX XXXX  in XX/XX/2018. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/2018. 

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/2018 and it is now XXXX. My credit score and report are negatively effected because of their negligence.  They are a XXXX XXXX dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items I am asking you to verify as accurate : 1. XXXX Account Number : XXXX ACCOUNT BALANCE : $ XXXX MONTHLY PAYMENT : {$2500.00} TERM : XXXX After your investigation is complete, please send me the results via mail. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit The company name is lvnv funding llc XXXX XXXX
Product: Debt collection

My daughter signed a lease for a rental agreement in XXXX with this company XXXX, I originally co-signed in XXXX, however I did not co-sign the second term contract. My daughter decided to move by the third term because of the XXXX in the complex and found another person to take over her lease. They signed the contract and the lease office refunded my daughter her deposit and took the key. The new tenant fell through with the lease and XXXX has came back and charged my daughter and myself for the months of rent loss that year. I did not sign a contract for this lease term.
Product: Debt collection

Receivables Performance reported to XXXX  unpaid collection debt of {$120.00} by XXXX. I have closed my account ant paid my balance. I have a few emails from XXXX confirming my balance is {$0.00}.