23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Whom It May Concern, I am submitting this formal complaint regarding XXXX  failure to properly investigate disputes related to inaccurate information on my credit report. Despite providing sufficient evidence to support my claims, XXXX has neglected to take the necessary steps to conduct a thorough investigation, which is a clear violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The acounts in question and the inaccuracies on my credit report are as follows : XXXX. XXXX XXXX XXXX ( Not my account ) never provided proof of service with my signature Reporting my account as delinquent. 

XXXX XXXX XXXX. XXXX XXXX XXXX my account as delinquent. 

This account is current and was paid in full in XX/XX/year>. 

3. Jefferson Capital Systems , LLC Reporting an account as delinquent for {$690.00}, despite being paid in full five years ago. 

Reporting an additional account for {$600.00} for a TV, which was also paid in full through my bank. 

These inaccuracies are unjustly damaging my credit profile. XXXX failure to address these issues, verify the accounts accurately, and remove erroneous information from my credit report constitutes noncompliance with the FCRA. 


Requested Action I am requesting the following actions from XXXX through the CFPB : 1. Conduct a Proper Investigation : Perform a thorough investigation into each disputed account in compliance with the FCRA. 

2. Provide Documentation of Verification : Supply a detailed explanation of the steps taken to verify the accuracy of these accounts. 

3. Remove Inaccurate Information : Immediately remove any information that is verified as inaccurate or can not be verified as accurate. 


I expect XXXX to take swift action to address this matter and ensure compliance with federal law, which protects consumers like me from inaccuracies and negligent investigations. 


Thank you for your assistance in addressing this issue. If further clarification or documentation is required, I can be reached at XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I gathered my recent credit report from all 3 bureaus : TransUnion, XXXX and XXXX and they still are reporting inaccurate information on XXXX XXXX  on my reports. They came back verified as accurate. 2 bureaus, TransUnion and XXXX have the same date of last date payment XX/XX/2017. Now, XXXX has a date of XX/XX/2017 as being the last date of payment. Which one is correct?
Product: Debt collection

I am XXXX XXXX XXXX. This company constantly harasses me by calling and sending letters threatening to take all my social security and benefits and even threatened to take my home. I dont know what credit card they are saying I owed {$300.00} but are trying to charge me {$6000.00}. I dont have any money, Ive XXXX retired for XXXX years. I dont have a car and I need a new walker but unable to afford anything right now. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a large amount of hard inquires on my credit report with each credit report agency. I can verify the ones I consented to but I don't have knowledge of the others. I have not given my permission to check my credit. Unfortunately I am in the process of a divorce and my soon to be ex has been very free in the past with my personal information to obtain credit. I'm frustrated and I have been working hard to get my credit back to good and this is a huge set back. Can you please help. their customer service would not help and take care of the negative inquiries reporting to your credit bureaus. 

My name is XXXX XXXX XXXX has the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 DIFFERENT TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX has the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has the following : XXXX ( 3x 'S ) XXXX XXXX XXXX XXXX ( 2'xS ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle app lacks warning before sending money. Warning legally needed to ensure that money was being sent to the right person.
Product: Money transfer, virtual currency, or money service

A market order I submitted on XXXX to buy bitcoin cash in XX/XX/ 2017 executed at a {$6000.00} exchange rate. XXXX closed the order books two minutes after opening them due to lack of liquidity ( in that case they shouldn't have been opened in the first place ). XXXX/Coinbase retroactively modified their charts to remove evidence that bitcoin cash was ever valued at {$6000.00}. 

This trade cost me an estimated {$1500.00} loss.
Product: Debt or credit management

Dear Navy Federal Credit Union, I hope this email finds you well. My name is [ Your Name ], and I am writing to address a matter regarding my credit report. Upon reviewing my report, I noticed that an item has been marked as a charge-off. I understand that circumstances can lead to such situations, and I am reaching out to request the corresponding 1099 for this specific charge-off. 

Additionally, I want to provide context to my current financial situation. I unfortunately lost my job on XX/XX/year>, and despite my best efforts, I have not been able to secure employment since then. I attempted to communicate this to a representative in XXXX, but I continued to receive calls despite my explanation. 

I kindly request your assistance in providing the 1099 for the charged-off item, and I would appreciate any consideration given to my financial hardships during this challenging period. If there are any forms or procedures I need to follow, please guide me through the necessary steps. 

Thank you for your attention to this matter. I look forward to your prompt response and appreciate your understanding. 

Please send the 1099 to the address below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. XXXX Thank you, XXXX XXXX
Product: Mortgage

We have case open # XXXX XXXX with your Consumer Financial Bayview and XXXX XXXX XXXX took over 4 years to modify the clients account, Bayview posted all trial payments on time with out any late fee into Suspense we complaint because Bayview had not posted payments and place in suspense. They recently posted the XXXX that was in suspense but, they charge late fees that client was never late during this time and balance after the XXXX plus went from {$360000.00} to {$350000.00} the payments have not been posted correctly need this matter resolve because Bayview has kept the payments on suspense four years and allocation is not done correct.
Product: Money transfer, virtual currency, or money service

This letter constitutes a formal complaint regarding a delayed funds transfer initiated on XX/XX/year>. I transferred the sum of {$11000.00} via wire transfer to my account at Gemini Trust Company , LLC XXXXXXXX XXXX XXXXXXXX. Gemini XXXX, XXXX XXXX XXXX XXXXXXXX on that date. The transfer was confirmed by my sending bank on the same day. 

Gemini company representatives verbally assured me that the funds would be credited to my account within one business day, with a maximum processing time of three business days. However, despite the transfer confirmation and the passage of 3 business days, the funds have not been credited to my account. 

Furthermore, attempts to resolve this issue through your customer support channels have been unsuccessful. Support representatives have failed to acknowledge the receipt of the funds despite the provided transfer confirmation. 

I request that you promptly investigate this matter and take immediate steps to rectify this issue. I expect a full and timely resolution, including the immediate crediting of the funds to my account. 

I hereby reserve the right to pursue all available legal remedies, including but not limited to filing a complaint with the relevant regulatory authorities ( such as the Financial Industry Regulatory Authority ( FINRA ) and the New York State Department of Financial Services ) if this matter is not resolved satisfactorily within reasonable number of days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( XXXX XXXX XXXX  ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. ( XXXX ). 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 resolution requirements under the electronic fund transfer act ( XXXX ) and XXXX XXXX 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

Prior to the COVID related shutdown, my credit score was over 800. Due to the reduced interest rates, I decided to refinance my car loan. My rate was higher than expected so I asked why. My credit score dropped over 100 points to below 700, so they only offered a higher rate. I finally reached out to the credit reporting agency this week, and their latest report has my score back into the 700s. I just happened to be discussing this with another friend and they also noticed a drop. I posted on XXXX and asked if others noticed it -- 4 people replied that theirs had also dropped. I think they should be investigated for dropping credit scores for no reason, except for a possible 'financial crises. ' Fortunately, I am still working full-time, so my pay has not been impacted by the shutdown. I just think it's wrong for credit scores to be lowered for no reason. 

Apologies for going this route, but none of the questions preceding the opportunity to describe the issue really applied to my situation. I'm going to reach out to the bank about their proposed interest rate and see if they can adjust it. I haven't signed the loan docs yet. 

Thank you for your time and looking into this situation. 
XXXX and stay safe, XXXX
Product: Vehicle loan or lease

Hello My name is XXXX XXXX. I have a lease with GM Financial account # XXXX. 
I have add several issues with GM Finacial reporting incorrect information during this lease. Now that I am towards the end of my lease and will not be getting another car with GM Financial due to them reporting inaccurate information and delayed responds on issues. 
-Currently they have my credit reflecting that I have Two Cars in my Name with them which caused me to be denied finance a home and a early trade in option. 
I only have 1 car which is a XXXX XXXX opened XX/XX/XXXX balance {$3600.00} -I recieved an alert that a new lease was open in my name as of XX/XX/XXXX This is unexecptable i have not open any new credit with GM Financial .
Product: Checking or savings account

On XX/XX/XXXX I was hospitalized because of an XXXX XXXX I was in the hospital for XXXX weeks- was discharged on XX/XX/XXXX. During this time, a former housemate got possession of my wallet back at the house and tried to use a couple of my cards including my main debit card which is with SoFi Bank. I receive my direct deposit there and keep most of my money in that account. Within a span of XXXX calendar days, from XX/XX/XXXX - XXXX, there were a total of {$1800.00} worth of charges made to the account depleting it. 

When I found out about this- which was after I was discharged - I immediately filed disputes for each of those transactions with SoFi bank. XXXX days later, they responded to the disputes stating that they were valid and that no refund would be given. 

I tried to appeal, emailing them a copy of my discharge papers from the hospital showing that I was inpatient during the time the transactions were done and didnt hear back from them. I will also be filing a police report and hopefully they can reopen the investigation.
Product: Debt collection

This debt comes from XXXX XXXX XXXX and list for {$150.00} Someone used my social security number with XXXX XXXX XXXX and set up an account and never paid for it. I need XXXX XXXX XXXX to clear and update this debt as positive and remove it from my Experian report. I am refinancing my home and I can not until this is corrected. The fair and honest thing to do is to have it removed as I have been a victim of idenity theft and that has been reported on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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 of 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent an investigation letter to Experian to check on every piece of information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking number : XXXX. I told them to check everything on my report to ensure everything is 100 % accurate. 

According to 15 USC 1681 section 603 ( 3 ) ( E ) 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 is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Experian responded on XX/XX/2022 stating they conducted an investigation and everything is accurate per report # XXXX. On XX/XX/2022, I asked them how did they investigate if everything wasn't 100 % accurate and items on my credit report are still not accurate. I attached this letter and the tracking number for that letter is : XXXX. Per report # XXXX that was received on XX/XX/2022, Experian stated that my accounts were properly investigated. How is that possible if they did not do a proper investigation according to the law. Also, the following information on these accounts are still not reporting 100 % accurate ; number of months ( terms ), the payment status, and the date last active, and payment history are all inaccurate. I also attached the credit reports that are showing the inaccuracies. 

Account name : XXXX XXXX XXXX ( XXXX ) Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX That is grounds for removal and they also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681 : According to : 15 USC 1681 Section 602 A. States I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XX/XX/year>
Product: Mortgage

On XX/XX/XXXX I made full payment of {$1900.00}. 
On XX/XX/XXXX I made a {$1000.00} payment. This began the XXXX payments. I made XXXX payments of {$1000.00} since XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX completed XXXX obligated payment of {$1900.00} plus extra towards principal. However the company did not apply the payments properly. I received my first phone call on XX/XX/XXXX saying I had not made my payment. I told XXXX that I had and explained what I did. He assured me he did the proper things to apply payments and clear out fees and notices of late payment. I asked then if I could continue to make XXXX  payments and have them applied correctly, he responded with a yes. On XX/XX/XXXX, an XXXX called and said I was now late on payment and was in default. I explained to XXXX what I did ; I explained how I had spoke to the guy on XX/XX/XXXX. She was kind and said she got it all worked out and correctly noted and applied and that I wouldnt have anymore issues. 
On XX/XX/XXXX I received a letter stating I was in complete default and I needed to make a payment immediately. Upon receipt I called and spoke with a XXXX. She said my payment was applied but that I needed to make XXXX payment. The issue with this all is I made XXXX payments on XX/XX/XXXX and XX/XX/XXXX as a {$1000.00} each. XXXX tells me they wont accept biweekly payments therefore they wont apply payments correctly. What kind of bank wont accept timely prepayments?! This is a scam and fraud of my money. The money should have been applied correctly to ensure interest wasnt accruing daily. They are scamming people.
Product: Credit reporting

XXXX XXXX SUPERIOR COURT DOES NOT HELP RESOLVING THIS ISSUE. I 'VE TRIED SEVERAL TIMES IN THE PAST YEAR AND A JUDGEMENT REMAINS ON MY CREDIT REPORT ERRONEOUSLY. XXXX XXXX IS THE NAME OF INDIVIDUAL THAT PLACED THIS ON MY REPORT. PLEASE REMOVE THIS FROM MY CREDIT REPORT. THANK YOU The piece of information that is wrong that is showing is the name XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section XXXX of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA XXXX ( XXXX U.S.C. XXXX XXXX ) which states that these accounts must be removed within XXXX business days of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> & XX/XX/year> without a permissible purpose as per XXXX U.S.C. XXXX ( XXXX ) or knowingly without a legitimate business reason pursuant XXXX U.S.C. XXXX b ( a ) XXXX ( f )
Product: Mortgage

My husband passed away suddenly in XXXX of 2016. I had to bury him and so I got behind on my Mortgage, I tried to do modifications over 7 times. They kept responding with different answers. I finally had to file a chapter XXXX to stay in my house. I am not on the loan, but I am on the Deed, since I am the surviving spouse. I have 5 acres of land in the middle of my small town, and property is very hot at this time. My real estate lady told me I could sale overnight. I wanted to pay off some of my debt from his funeral and to catch up on my house note.I spoke with a supervisor named XXXX who understood that I did not have the funds to have property surveyed etc. He told me to write a letter to him explaining in detail what I wanted to do. I have faxed 10 pages with death certificate to them on two occasions 1st on on XXXX the XXXX and then again on XX/XX/XXXX from the XXXX store in my town. I paid {$10.00} each time. I them mailed a USPS letter envelope and paid {$7.00} for it. They are telling me they have never received anything from me at all. I need to resolve this issue, due to the fact they are not telling me the truth about anything. I have even asked for upper management, I also left a message for XXXX to call, no call has been made to me at all.
Product: Credit reporting or other personal consumer reports

Capital One {$1000.00} XXXX XXXX XXXX XXXX I certify that the personal information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete + information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 
XXXX. 
By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them.

Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report.
Product: Credit card

One of main reason for me today to make the complain about my credit card is Chase Amazon Card look like fraudulent consumer. I have got the refund from the XXXX XXXX for XXXX ticket total of {$2100.00}. However, Chase Amazon did not post to my account till I have to make call in and was more than 30 days from the refund day. After that I used that credit back to purchase something and now credit balance is {$72.00}. However, I just checked it today and I saw it already used and name as " Credit Balance REfund " charge. 
Wow, could not believe that they never want to issue money back plus interest they hold my money refund and instead they took without any reason. 
This is not first time with the issue with my account, but it was happened so many time and I have recognized that Chase has been established Fraud Transaction for consumer account where they just want to keep money and not return it to consumer and double charge something unknown to consumer. 
I am strongly wanting to be investigate and bring the true to the light. As a consumer with Chase, I have made on or before due date and I deserved what I am being treated.