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

I opened a dispute on XX/XX/2023 under the claim number XXXX. 
The bank NEVER requested more information about the case and the case was closed and denied. I was waiting the letter requesting more information about the case but that never happened. 
I have the invoice/receipt showing that the merchandize must be sent to my address on or before XX/XX/XXXX. That support my case and prove that merchant didnt sent the purchase. 
I called today XX/XX/XXXX to customer service to reopen the case but they refused to help me, saying that my phone number is not elegible to receive verification codes. I received but they couldnt use it forcing me to go to the branch, something is IMPOSSIBLE because im not XXXX XXXX, Im not in the XXXX. I jus travel very often there, also doesnt make sense because I could open the claim by phone. and having many other options to very me, like my pin number, personal information or account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2023 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA.

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

I contacted the servicing company for my auto loan BBVA Compass today because on my online account it shows I am past due since XXXX. I was in a car accident in which my insurance company released funds in the amount of {$6800.00} directly to BBVA Compass and all funds posted to curtailment on XX/XX/2018. I contacted BBVA compass mid-XXXX to inform them that I would like the funds posted towards XXXX 's payment and the remaining balance to curtailment. The agent informed me that he would open the request to have that done. I was not notified that this was not an option nor was I told this would be an issue. When I contacted them after noticing my account status, the agent informed me their accounting department closed the request to post funds the same day it was opened due to the fact that the funds were from insurance. I was never notified nor was a letter sent to me to inform me I was more than 30 days past due on my auto loan. The company has informed me they are not aware when this will report to my credit and this will not be resolved in a timely matter as I have to wait up to 4 days for a manager to contact me to discuss the issue. I would like this investigated and my credit report to be corrected if this is reported as a derogatory mark as the company should have posted my funds accordingly as I requested, or notified me if there was an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/2022 to XXXX, TransUnion and XXXX. However it's been more than XXXX days and the credit bureaus failed to send my investigation back. I don't know what's going on. 

According to the law 15 U.S. Code 1681i -Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also I am a natural person. living breathing with blood flowing through my veins. I'm writing this myself and not by some company or other entity. I DEMAND ITEMS BE REMOVED IMMEDIATELY AS WELL AS NAMES AND ADDRESSES BE CORRECTED. I AM A VICTIM OF AGGRAVATED IDENTITY THEFT
Product: Student loan

In XXXX I was injured and has loss of income. I requested lowered payments which I received notification of and had the loan book ; however payments are made online. The online amount was not changing and I could not afford the higher amount. I received and email regarding a forbearance and applied. For approximately 3 months Navient expressed they could NOT find my account to process the forbearance, yet sent me emails weekly to the email address that was NOT associated with any accounts. I also have XXXX cell phone records that I also attempted to call. Once the forbearance was finally approved while I kept working to get them to adjust the online payment amount to the correct amount for the payment book the took another month to actually process the forbearance after I received my approval letter. They were marking me derogatory in my loans throughout this whole process when I was told it would be dated back to my original email request date as it was their error. The delinquencies continued throughout the forbearance and followed through as I began my payments. Although it was in forbearance for 3 months my follow up payment was reported as 120 days delinquent, at one point I made a large payment to stop the delinquent reporting even thought I did not really owe it. I reached out to the company in XXXX and was led to believe it was corrected. However ; life got busy and forgot about the issue until I completed a mortgage application this week and found out my interest rate would not be 3.87 but 4.25 and that closing costs would have an additional {$2200.00} in fees due to the low credit score that the broker stated was due to Navient. I have requested an immediate review and correction through the advocate but do not believe they will do anything again this time. Please make them admit their mistakes and correct them. They also charged me hundreds of dollars in late fees! I hate to believe it was intentional fraud but it seems very suspicious to me that online there was an incorrect high payment and in emails and telephone I was told for months that my account didn't exist and it was only when I stated I would go through XXXX  XXXX  that my account was found. Thank you for any assistance you can provide.
Product: Debt collection

On XX/XX/2018 at XXXX I recieved a call from Midland Credit ( XXXX ) XXXX. I was at work, so I ignored the call. They called me again at XXXX ( 2 minutes later ), I stepped away from my desk and answered the phone. They asked for my wife, XXXX XXXX, I asked the caller if she just called me, she said yes, I asked if she thought it was ok to do that, she did not answer. I've gotten calls regularly from this number, they ask for my wife XXXX XXXX, I tell them this is not her phone number, they proceed to ask for more information but I will not give them any info because they refuse to tell me what the call is regarding. I've asked them to stop calling me.
Product: Checking or savings account

On XX/XX/2022 I went to the ATM at XXXX XXXX XXXX XXXX, TN XXXX and made a deposit of {$200.00}. Upon the machine taking my money, the ATM shut completely down and never even provided a receipt. I immediately reached out to Regions Customer Service and informed them of what had happened. They placed a credit of {$200.00} on my account while they researched the matter. I am not sure what type of research was done but if they took out the time to look at cameras, they will see me making a deposit. 
On XX/XX/2022 upon randomly checking my account balance, I noticed that Regions had debited the {$200.00} from my account and I was told that because they could not locate a deposit receipt, they could not assist me further and my claim was not warranted. 
This is unacceptable to me from a banking institution, someone that we are to trust with our life savings. Some of us are out here not sure where our next meal will come from and can not afford actions such as this. Because of the debit from my account, my checking account now has a negative balance. I have been with Regions for years and never had anything like this take place and I would most definitely have expected them to handle this situation with a little more compassion and research the matter as I have no reason to be dishonest about anything.
Product: Debt collection

XXXX XXXX has a fraudulent account listed against my credit file with the credit bureaus. The account they have listed against me was opened as a result of identity theft, where my correct personal information was used to open a utility account in my name fraudulently. This account is however not under my social security number, yet it is still listed on my credit file. I have contacted XXXX XXXX to make them aware that this was a fraudulent account and was yelled and screamed at by one of their agents, and they refused to remove the account from my credit files. I have never done business with XXXX XXXX, the person who placed this account with Convergent, nor have I done business with XXXX XXXX. This account is 100 % fraudulent and Convergent has refused to cooperate in having this fraudulent account removed from my credit file and continue to attempt to collect on a debt they have been made keenly aware is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Account # XXXX date opened XX/XX/XXXX bal. {$610.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 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 problems and inconveniences.
Product: Debt collection

I have tried to dispute via XXXX this account during XX/XX/2021 when I noticed this on my credit report due to identity theft along with a few other accounts. This company has still continued to call, send letters, and made attempts to collect debt on this account that I did not open. This is very frustrating as well this is allowing my credit score to not thrive property as it should be.
Product: Credit reporting or other personal consumer reports

I demand the XXXX, XXXX XXXX and XXXX XXXX XXXX be immediately excluded from my consumer report, unless there is proof of signature that I did indeed do business with this company. If there is no such proof, which there is none, then this is consider IDENTITY THEFT and needs to immediately removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting From Identity Theft. I will be suing for {$1000.00} per violation per 15 USC 1681n-Civil Liability for Willful Noncompliance . I also demand any alleged transactions/ experiences be excluded on the grounds of 15 USC 1681 a Definitions ; Rules of Construction ( 2 ) Exclusions- Consumer Report- DOES NOT INCLUDE- ( A ) ( i ) Reports containing information solely as to transactions or experiences between the CONSUMER AND THE PERSON MAKING THE REPORT, also 15 USC 1666b Timing of Payments ( a ) time to make payments- a creditor MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE also 15 USC 1682b- Permissible Purpose of Consumer Report 15 USC 1681eb Maximum Accuracy Shall be reported! Even if this account was mine A charged off status and late payments are transactions and experiences which by law should NOT be reporting to the consumer report anyways, I was also part of the XXXX Data Breach which I am taking action, my personal information is compromised 15 USC 6802 No Financial Institute can Disclose your Nonpublic Informtation because my information has been compromised, I demand you take immediate action, I have attached proof of address and DL ( dl address will be changed ) so you TransUnion can stop your stall tactics!
Product: Credit card or prepaid card

I called chime on the week of XX/XX/XXXX to let them know that someone was trying to use it and they told me that they will close my card ( which they never did ) they sent me an email stating that my card was disabled and I will get a new one in the mail. Days later I see that 2 transactions were approved and taken out. 
1 ) was on XXXX XXXX for {$310.00} 2 ) was on XXXX XXXX for {$250.00} I have called the bank numerous time and sent them then email whos states that my card was disabled and they say they have not found any fraud done in my account. I have made a complaint with my hometown district attorney.
Product: Checking or savings account

I discovered that one of my Payees was deleted on XX/XX/2019 at XXXX as told to me from a Bank of America bill pay  representative today XX/XX/XXXX at XXXX. I advised the rep that I received no confirmation whatsoever telling me that I deleted anything. He told me that Bank of America does not send out confirmation when a Payee is deleted. I told him that at I received a Bill Pay reminder at XXXX to pay XX/XX/XXXX on XX/XX/XXXX. so it would be highly unlikely that I would go into the system and delete an entity I had setup to pay every month going forward well in advance until next year. The representative could not prove that I did the deletion. It wasn't but a few months prior did I courteously contact Bank of America ( XX/XX/2019 ) regarding problems with Payee issues only to rudely be told that they don't have system issues by the representative today. He also said in some form " anything that happens in Bill pay happens from or by the User. ''
Product: Money transfer, virtual currency, or money service

I made a transfer XX/XX/2022 with REMITLY, INC money transfer services in the amount of {$750.00}. REMITLY took the amount out of my bank account twice, totaling {$1500.00} the following day XX/XX/2022. They then canceled both of the transfers sending NO MONIES to the recipient, and refunded me on XX/XX/2022 only the amount of one transfer of {$750.00}. Repeated letters, chats, phone calls confirms that they still owe me an additional {$750.00} and they assure me it will be returned within 24-48 hrs, 3-5 days, 3-7 days, and/or 3-10 days depending on who I have spoken to. It has been over 100 days, now. And, still no refund of the additional {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

loan is closed on credit report i never received a dollar from the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

They reported an amount in my record that is incorrect, they said that I own them money when it is not true because it was paid in full, XXXX made an error by living my dispute as something negative, the accelerated financial tried to damage my record on XXXX  and XXXX, but those company found out that it was a fraud against my record, the company accelerated financial said that I own them XXXX dollars and it was updated for the first time in XX/XX/2019 and then XX/XX/2019 and XXXX XXXX is the original name of the acreditor.
Product: Debt collection

They have been trying to collect medical debt that they have bought and have been mailing me and calling me and havent left me alone the debt is from 2015 when my mom just passed away and i just turned XXXX i had no idea what was going on and needed my XXXX taken out, i had no help and had no idea what to do. I did not and still dont have money to pay them back its just me all alone trying to pay my credit cards off and my monthly bills i dont know what they want for me but they need to stop contacting me
Product: Student loan

I received a letter dated XXXX/XXXX/2016 from XXXX XXXX in the XXXX inviting me to call him with any questions. The number Navient provided was XXXX. This number is not a good number. I was re-directed to call XXXX. This is also a non-working number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened investigations and reinvestigations regarding inaccurate late payments. The company added additional late negative marks on my credit report
Product: Debt or credit management

My financial problem issue is with the synchrony credit finance corporation in reference to two credit card accounts I took ownership of with their approval ( Phillips76 and JC Penney ). A few issues that are by my recorded contract with their service is the abusive fee charging schedules and just recently a payment was canceled so that more fees and interest could be charged to keep the account from closing even though they have frozen my ability to use the card for more than six months ( XXXX XXXX XXXX 
Without the contractual notification, is it legally possible for a closed account with a creditor to accrue interest on the amount owed? 
A similar problem has begun to occur with the JC Penney account as over the summer my card has been frozen, and this particular credit account was given access before the Phillips 76 account to my bank account for monthly payment obligations though not as automatically deducted amounts .... 
Maybe I'm not trying hard enough to contact them but their contacting third party bill collectors over the past year, in my professional opinion, is quite premature! I have used the credit union 's electronic/ online bill payment features for the past two years ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL ) and their record have been corrupted concerning my account membership status. 
What to do is really very imprinted upon the forefront of my thoughts every morning. Why do congressmen and congresswomen deserve more involvement than helping to create business relationships of these kind?