23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I offered a delivery service using my truck to bring a large amount of chopped wood to a certain location. I was told I'd be paid by the person I spoke to and his friend regarding the amount of work it took. I have used XXXX many times as it's a payment service that ties to XXXX  XXXX XXXX, never had an issue before. I got a new cell phone last night but I back the phone up each night and when I restored the phone contents, all of my accounts appeared fine. I said once I received the money I would do the job. I received two emails to my account at XXXX saying that the funds that I expected were in my account, one for {$1500.00} and one for {$2000.00}. I performed the job. After I was done I checked my XXXX  XXXX XXXX account and the money was not there.The person I was talking to had their phone off. It appears they knew that they could get this job done for free as long as they used XXXX. Now to the gross negligence on XXXX XXXX part. It appears my phone being reset last night enabled XXXX to disconnect from my XXXX  XXXX XXXX account.There was absolutely nothing done to inform me that the money I have gotten emails saying I was in possession of would be forfeited. Once the person paying me for the service noticed that the money did not in fact deposit but was still on XXXX, they were able to cancel that payment. No where did I recieve any warning that my account was no longer connected to XXXX. The money was not deposited in my XXXX XXXX XXXX account and safe as it typically is, instead it was taken back as soon as this person realized the job was done and the money was still available to them. This is a blatant lack of responsibility on XXXX XXXX part. Even the email itself says only that I had received payment and nothing else I would like for the to pay the full amount of {$3500.00} for the work I performed. I was not able to contact a single person on their support line, it is computer ran and only has the ability to move you from menu to menu, you can not press zero for an operator and when I did think I found a way to talk to someone, the phone hung up ... 3 times. ZERO customer service.
Product: Checking or savings account

On XX/XX/XXXX I purchased a ticket for the event, XXXX XXXX XXXX XXXX, for {$300.00} under the organization XXXX using my Bank of America debit card. Later that year on XX/XX/XXXX I closed my Bank of America account. However, the event ( scheduled for XX/XX/XXXX ) that I bought tickets for changed their location and dates late notice and thus began issuing refunds. On XX/XX/XXXX I ordered a refund for my ticket. However after 1.5 weeks of waiting, I realized the refund I had asked for was sent to my closed Bank of America account. 
I filed a dispute with Bank of America mid-XX/XX/XXXX to determine if I could get my refund of {$300.00} that was sent to my closed account however it was denied because they state that after 3 months of closing the account the account is completely dissolved and any refunds being sent to the closed account after more than 3 months would automatically bounce back to the merchant. 
In an email sent to me on XX/XX/XXXX XXXX claims to have sent my refund successfully to Bank of America and claims my refund was not sent back despite it being sent to a closed bank account. In order to help me more, XXXX insists I supply them with documentation from Bank of America that the refund bounced back, however Bank of America states they have no documentation that they can show of the bouncing back of the refund because my account was closed for more than 3 months. 
After dealing with both Bank of America and XXXX, neither show they can locate where my refund is exactly and I have yet to receive it.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear DEPTEDXXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with DEPTEDXXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Miscommunication : The account was transferred and there was a delay in processing the transfer. Any late payments that were reported during this period should not have occurred as I was under the impression that the account was in transition, which can be confirmed through payment records. 
Payment Processing Delays : There may have been a miscommunication between XXXX and the servicer during the transition. I had initiated payments during the normal billing cycle, which are reflected in my transaction history prior to the account transfer. This delay should not have resulted in a 120-day late payment.

System Error in Reporting : I had already raised a dispute, which was marked as resolved. However, the 120-day late payment still remains inaccurately on my credit report with TransUnion, indicating that the dispute was not appropriately resolved. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 


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


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

Subject : Complaint Regarding Unauthorized Credit Inquiry Violation of FCRA ( 15 USC 1681b ( c ) ) To Whom It May Concern, I am filing this complaint to dispute an unauthorized credit inquiry associated with this company. The inquiry in question was made on XX/XX/year> by XXXX. 

Upon review, I believe this inquiry was conducted without my explicit authorization or in compliance with the permissible purpose guidelines outlined in Section 1681b ( c ) of the Fair Credit Reporting Act ( FCRA ). 

The FCRA explicitly defines the permissible purposes for obtaining consumer reports. To the best of my knowledge : I did not provide explicit consent for this inquiry. 
I do not recall initiating a transaction or establishing a relationship with this company that would justify such a request. This company was an unsolicited offer for soft inquiry offer via Experian or XXXX.
Product: Mortgage

Freedom Mortgage refinanced my VA loan in 2019 as a VA loan. 

Loan ID # XXXX MIC # XXXX Closing XXXX This form is a statement of final loan terms and closing costs. 
Closing Information Date Issued XX/XX/2019 Closing Date XX/XX/2019 Disbursement Date XX/XX/2019 Settlement Agent XXXX XXXX XXXX, XXXX File # XXXX Property XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Estimated Prop. Value {$400000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX Lender XXXX XXXX XXXX Loan Information Loan Term 30 years Purpose Refinance Product Fixed Rate Loan Type Conventional FHA VA Loan ID # XXXX MIC # XXXX The issue is the VA stated Freedom never reported this loan as a VA loan XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I had gotten my first check from my employer for the amount of {$460.00} However my paycheck did not go into MY account it went into someone elses account. Ive made countless phone calls to Chases customer service line to try and have the check returned to my employer so they can pay me for my hours I worked. There was even a claim filed with chase by the person who received my check. The person made note that the check was not theirs to keep. Chase has been very unhelpful in the matter of returning MY check back to my employer so that I can be paid for the work I did. I went into chase XX/XX/XXXX as well and whom I spoke to I dont remember but the lady said all the other person would have to do is go speak to a manager and Id be able to get my check returned to my employer yet This person has tried numerous times to let them know thats not their check to keep. Ive tried numerous times. My employer even tried to get a reversal on the check which Chase refused.
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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These
actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed several letters to Equifax disputing the child support account they are incorrectly reporting on my credit file. I MAILED THEM OVERNIGHT with certified mail receipts this last time. I have mailed over 5 letters. the account they are reporting is inaccurate. I sent proof that the child is not mine and I don't have any kids within that marriage. I have been divorced for almost ten years and remarried for 3yrs. Equifax failed to verify the account. the account antedates the reporting date by more than 7 yrs. they sent a letter once last year stating that the account was verified, but are unable to provide verification procedures. they have failed to respond to my letters. just completely violating my consumer rights. I don't have this issue with other reporting company just Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the listed accounts below have violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an 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 7 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

In XX/XX/XXXX I applied for a home loan. My XXXX  and XXXX  score were XXXX prior to application. In XXXX they would only increase my score by 1 point in consecutively and not monthly. It shouldve been above XXXX. I have not missed or been late on any debts for 6 years prior. And, the agencies were recommending several credit cards, home mortgage companies and commending me for paying my bills on time for the past 48 months. The reporting agencies dropped my score from XXXX to XXXX. When I attempted to resolve the discrepancies with the agencies, I was literally laughed at and told I needed to pay for my scores. When I said I would not, the XXXX  agent said there was nothing else to be done and my scores remained bad. 
I have encountered age and race discrimination : age because Im XXXX ; race because of my skin race- XXXX XXXX XXXX I have suffered retaliation related to my race, and the XXXX XXXX XXXX XXXX. Surely there are laws against these acts against the consumer. Ive worked very hard to be a person of integrity, and having my FICO score drop 172 points because of my skin color is not acceptable. There are others The negative and old accounts are still present and they wont remove them. They thwarted my ability to purchase a home with low interest. There is a fourth agency along with Experian, XXXX  and XXXX  whose name I dont recall, who is reporting information thats more than 20 years old as well. My next step is to hire an attorney and sue the agencies which would annihilate my down payment on a home.
Product: Credit reporting or other personal consumer reports

My dispute started over 3 months ago as I requested both Equifax and XXXX XXXX to investigate the accuracy of the two items above. Attached to this complaint, you will find a total of four letters confirming what I was disputing above, as well as letters requesting the credit bureaus to send me a description of their reinvestigation procedure per the FCRA 611 15 USC 1681i ( a ) ( 7 ) Description of Reinvestigation Procedure ( 15 Day Time Frame Requirement ).

( 7 ) DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


Equifax received my Certified Mail request on XX/XX/2023, and XXXX XXXX received my Certified Mail request on XX/XX/2023. With today being XX/XX/2023 both Equifax and XXXX XXXX are now in violation of my consumer rights. Therefore, Im requesting that both Equifax and XXXX XXXX remove the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX off my credit report as soon as possible. Also, since they are both violating my consumer rights, XXXXm requesting that you ( CFPB ) take action against them if they do not remove the two above-requested trade lines off my report immediately and send me a new credit report confirming their actions. I appreciate your assistance in this matter!
Product: Credit card

Bank of America contacted me today XXXX XXXX XXXX at XXXX XXXX XXXX from XXXX. They informed me that there was an attempt to try to get a credit card in my name through bank of America. The application was denied but i have a hard inquiry on my credit report. I contacted XXXX and let them know my situation they instructed me to contact you guys about this matter. please let me know the next course of action.!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights has been violated. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 a section 2 : it also States A consumer report furnish an account without my written instructions.

15 USC 1666B : A predator may not treat a payment on a credit card account under an open end Consumer Credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with TransUnion on XX/XX/XXXX regarding incorrect reporting by XXXX XXXX XXXX for an outstanding debt of {$260.00} dating back to XX/XX/XXXX. This is the result of an outstanding medical bill from XXXX XXXX. I provided support stating there was an outstanding balance of {$190.00} which was paid directly to the company. A copy of the invoice, check and bank statement showing the check cleared was provided however on XXXX XX/XX/XXXX, TransUnion stated their investigation verified the debt. I called the original debtor and they stated they had received payment for the original debt. Therefore this should be removed from my credit report. 

I never heard nor received any information from XXXX XXXX XXXX and XXXX XXXX should have notified them that they received payment.
Product: Checking or savings account

Issue is with bank of America, in re to checking account overdraft fees. Bank of America assessed the account 2 separate over draft fees, at {$35.00} each, on or about XX/XX/18-XX/XX/18. 

Bank of America claims two separate transactions - one ATM withdrawal and one ACH debit, caused the account to go into a negative balance.

I logged into the Bank of America mobile app 3-4 times on the date in question, and the available balance was always reflecting as a positive balance. None of the transaction that took place on the date in question were for amounts greater than the " Available Balance '' amount that was reflected via the Bank of America mobile app.

The final time that I logged into the Bank of America mobile app on the date in question, there was a positive balance ; not once during the date in question was there a negative, overdrawn balance reflected.

I contacted Bank of America customer service today by phone. The rep I spoke with did not sound confident why the two overdraft fees were assessed. Her best guess was that transactions made on the prior Saturday and Sunday ( XX/XX/XXXX and XX/XX/XXXX ) were being listed as " Processing '', and there was a delay in the charges being " Settled '', due to Monday, XX/XX/XXXX being a bank holiday ( XXXX XXXX ).

After I asked her why was there never a negative account balance being reported online by Bank of America, the rep was unable to answer my question.

I am positive that none of the authorized transaction amounts were greater than the available account balance, at the time the transactions were made. It appears to me that Bank of America held back certain transactions on the account, and applied them the following business day, and processed them in a specific order that caused the balance to be reflected as a negative balance.

I have tried resolving this directly with Bank of America without any success.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX added an account to my report that I was never notified about. The did not provide any letter to me notifying me of tis date. If they are contending that they did, I would like a Certified Mail return receipt validating same. This account is inaccuratley being reported on my XXXX and Transunion reports. The most accurately reporting report would be my XXXX repot, which does not have this account listed. I have no knowledge of this account and ask that it be removed immediately as I was never notified in writing of this account.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Last 4 of SSN : XXXX Hello. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for 8 years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

I sent this letter twice before, and some accounts are still reporting. All I can do is tell the story of what I experienced and hope that I can get some help on the credit bureau 's end. I would really appreciate being able to put all this behind me and continue the recovery process. I can't do that if these accounts that I've reported to the police and to the FTC are still showing up on my credit report. Please don't make me pay and suffer for someone else 's evil wrongdoings. 

I tried resolving this with just TransUnion, but unfortunately, after multiple failed attempts, there still seems to be some kind of disconnect with the current methods of communication ; a direct cause for me including the CFPB this time around. 

Also, after researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. The following accounts are the fraudulent/unauthorized accounts in question : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX DATE : XX/XX/XXXXXXXX  I dont recognize the accounts, collections, or hard inquiries listed on my credit report. These entries were not made, opened, or initiated by me. Unfortunately, they are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ), along with the other numerous FTC Affidavits I have submitted to TransUnion, 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: Credit card

We have had a checking account with Wells Fargo ( formerly Wachovia ) for nearly 15 years, during our last visit to the XXXX branch we were persuaded to take out a credit card which would 'even out expenses over the year '. I had to make a deposit of {$300.00} and was charged {$25.00} for the annual fee. When the card arrived I had a credit limit of {$300.00}, being the sum I paid in, which makes it a pre-paid account in my view. I have tried unsuccessfully for weeks to sort out the return of my {$300.00} and the closure of the account. 
I spoke to their customer services two weeks ago and said I wanted to return the {$300.00} to my checking account and close the credit card account. As I had a bill to pay I needed it straight away and so said I would take it as a cash advance and the chap said the 3 % fee would be waived and the account would be closed, using the collateral account to pay the cash advance amount. 

I logged on my account today to see that the credit card account is still active with a balance of {$310.00} and a payment of {$40.00} overdue.