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

on XX/XX/XXXX I purchased some XXXX tickets for {$300.00} and made the payment through XXXX. The following day, XX/XX/XXXX I found out that it was a fraud. 

I contacted the seller and asked for a refund to which they said no. 

I then contacted my bank, Chase, through which I made the payment to ask for their assistance in reporting it to assist getting my money back. They said there was nothing they could do. I tried to elevate it, but they stated again that there was nothing they could do. 

I am now out of {$300.00} when I thought my bank would assist in reporting the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX XXXX Balance Owed : {$19000.00}
Product: Money transfer, virtual currency, or money service

TransferWise has scammed me. They have blocked my account and they didn't back my money. They sent me fake wire transfer proof. It is not my account number. Please help me in this case
Product: Mortgage

After having paid SN Servicing Corporation {$24000.00} in " Trial Payments '' and Good Faith Payments from XX/XX/XXXX to recently XX/XX/XXXX and not having missed ONE payment and having them falsely charge me late fees ( I have all my bank statements and Postal receipts to prove they received payments before the due dates ) they have offered me a bad loan ( I have consulted with ten different financial and legal firms who all confirm it is a bad loan mod ), and because I filed Chapter XXXX and I have questions concerning this loan mod, SN Servicing Corp REFUSES TO SPEAK WITH ME TODAY AND the Bankruptcy Firm that I filed with REFUSES TO RETURN MY CALLS. I need help.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant ru

le 1002 and It was never provided. This is unfair, illegal, fraudulent, and not eq
uitable to me as a consumer!
Product: Money transfer, virtual currency, or money service

I am filling a complain 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

Equifax is reporting a collection account from XXXX ( original creditor XXXX ) in the amount of {$84.00} ; I have never had any kind of XXXX from XXXX and, to my knowledge, do not owe this debt ; I disputed the account with all XXXX credit reporting agencies and the account was removed by XXXX and XXXX, but continues to be reported by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get Experian to update my report. They show a KD on acct # XXXX & XXXX when my account has been paid in full. I know if they sent a request to XXXX XXXX, they would see this has been paid in full. As it stands this is not accurate. This is hindering my ability to obtain credit.
Product: Payday loan, title loan, or personal loan

For the past 2 years you have been reporting me late to the credit bureaus and continuing to damage my credit. As we discussed on multiple occasions, I was set up on auto pay when we opened the loan and for some unknown reason, the auto payments stopped happening. Once we fixed this, you told me you would be removing all the late payments from the credit reporting since it was your fault. You have never done so. Further, each time I speak with someone they say that this was your fault and that they would remove all the late payments from the credit reporting. This is really damaging my credit and keeping me from qualifying for a home mortgage for my XXXX kids. I need this fixed.
Product: Checking or savings account

Bank of America sent out advertising to its Preferred Rewards customers in early 2023. 
I have uploaded a copy of this mailing notice. The notice promotes a " 5 % interest rate booster ''. I tried several times to secure a Savings Account offering 5 %. It turns out that the " 5 % '' was an adjustment to the existing interest rate. In other words if the rate was .1 % ( point 1 ) the new rate was .105 % -- not 5.1 %. I find this advertisement misleading. It took me several visits to a bank to finally determine what they were offering. Even footnote 3 does not clarify that the booster is a percent of a percent. 

Please note that underneath the add, it speaks of a .25 % interest rate discount on borrowing. In this case, the .25 % is an absolute adjustment to the interest rate. 

So, this advertisement has inconsistent usage of percentages on its face.
Product: Credit card or prepaid card

i had been an american express member for about 20 years, i saved up 695,000 reward points .... in XX/XX/XXXX the app that amex pushed me to use for paying the balanace and also has a reminder feature DID NOT remind me and i missed a payment, this is the only payment i have EVER missed. 
i only knew this when a charge was declined ... after calling amex they informed me i was now paying a " peanalty rate '' over % 30 .... needless to say i was frustrated and the conversation turned nasty. 
** I DID raise my voice a bit and criticized the company, NEVER attacking anybody personally... 
days later i called back with a calmer voice and the customer service supervisor told me she would revert the rate back to the standard % 18, refund the fees, and also apologized to me... 
***** my balance at the time was appx 12k, i informed this personi was going to pay about half, and then use my points balance to pay off the remainder but that i would wait until XX/XX/XXXX to do this for tax reasons .... 

i was gutted about 3 weeks later, early XXXX when they shut off the card, canceled the account and DELETED the 695,000 ( + 6k from last payment ) reward points!!!!! 

its clear this was retaliatory, when i called for the last time the person i spoke to said it was due to my offensive comments made during the 1st call... but during the 2nd call they apologized and they refunded the charges so i feel completly screwed by amex that they encouraged me to collect these points for almost 20 years only to steal them from me .... the cash value is over {$6000.00} PLEASE PLEASE HOLD THEM ACCOUNTABLE!
Product: Student loan

As a struggling single parent with student loans from Navient/ XXXX XXXX XXXX XXXX contacted the the loan agency to find out how I could repay the loans. They guided me to to get a forbearance on my loans. So I went with their advice and years later my small loan is now almost XXXX. I have been receiving calls after calls for payment, and a few months back I tried to set up an arrangement and it was going to be 30 a month and the balance when paid in full would be XXXX this is absurd. I like so many have good intentions to pay but this is outrageous.
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 1681XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  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 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 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: Mortgage

I was notified on XX/XX/XXXX, by the XXXX County Tax Office that Chase Mortgage failed to pay XXXX property taxes in the amount of {$14000.00} from my mortgage escrow account. The error resulted in a penalty of {$1000.00}. 

I paid the property taxes and penalties due on XX/XX/XXXX, in order to avoid additional penalties that would have been imposed on XX/XX/XXXX. 

On XX/XX/XXXX, I filed an Error Resolution Notice under 12 C.F.R. 1024.35, requesting correction of the error described and attached a record of the payment. Chase did not send written confirmation of receipt within 5 days as required by federal law, but confirmed receipt by phone when I later contacted them. 

I was informed that Chase closed the claim without refunding the penalties due to their error based on the fact that the property owner information was confidential in the property records due to my service in the XXXX XXXX. Yet, this has been the case since XXXX, and Chase has made three tax disbursements since that time. Chase refuses to compensate me for losses incurred due to its error.
Product: Bank account or service

Just started working, received my XXXX paycheck and wellsfargo student loan service took all but {$200.00} out of my acct. I never gave them permission nor my account info. The bank did an " investigation and left a voicemail stating they were not refunding the money and that I need to call the student loan company. I will be closing my account on Friday. Wells Fargo is the bank and the student loan company. The student loan was supposed to be differed. They made no attempt to contact me before taking money. After the money was taken, I received a letter stating they were using the " reset ... ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX : {$5900.00}, XXXX XXXX XXXX XXXX : {$11000.00} & XXXX XXXX XXXX Balance : {$15000.00}.
Product: Credit reporting or other personal consumer reports

Transunion Experian and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX  XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX XXXX  XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act 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 an account without my written instructions.
Product: Bank account or service

I need your help because I understand I have been a scam victim of sales outboard XXXX XXXX with a bank account in the XXXX XXXX at XXXX, XXXX. On XXXX/XXXX/2015 I made a money transfer to XXXX XXXX head office location XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX related to a purchase of XXXX engineer to sales outboard XXXX XXXX. This purchase has not been received by today. This purchase was performed with all customs fee included. However, new fees for the custom were requested per vendor due to change of XXXX custom policies. These fees were pay with the warranty that if extra fees were requested, my money will be return with 48 hours. The new fees were requested, and then I requested my money back. I understand I am a victim of scam. My bank contacted the XXXX XXXX in order to reclaim my money {$8200.00} XXXX. The response per my bank was that the XXXX can not return the money back because their was not money it the vendors account. I have all the evidence of emails between me and the vendor with the warranty of get my money back. In addition I paid {$1900.00} US to XXXX customs through moneygrams transactions, I have evidence of all the payments.
Product: Credit reporting

On XXXX XXXX, 2015 I paid off the XXXX XXXX XXXX, account. I received a letter on XXXX XXXX, 2015 that the account had been resolved. However XXXX is still reporting it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL THREE CREDIT BUREAUS ] XXXX, XXXX AND EXPERIAN HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ XXXX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on XXXX and not XXXX AND EXPERIAN ] XXXX AND EXPERIAN NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.
Product: Debt collection

i became aware when I checked my credit report that these debt collector under the name, AD ASTRA Recovery Services Incorporated that I owed this debt is incorrect and I do not owe {$310.00}, I have sent a notice of state and federal validation of debt.
Product: Credit reporting or other personal consumer reports

XX/XX/2019 - {$190.00} XX/XX/2019 - {$190.00} XX/XX/2019 - {$190.00} We disputed late payments to remove false late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

( 1 ) : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

( 2 ) : 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 ( 3 ) : 15 U.S. Code 1681 ( a ) ( d ) ( 2 ) ( i ) : States that the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. This is my new complaint that I was affected by inaccurate credit report data and I write to dispute these inquiries in my file resulting from the crime. The inquiries I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these inquiries in my credit file that resulted from an incorrect credit information : Experian : 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 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. These inquiries are unknown to me. Also, the information you provided on these inquiries was DELETED from other bureaus and I have doubts about their accuracy and the reported history date on these inquiries are a mystery to me. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

I have a small DJ business that i run on the side for some extra money. XXXX XXXX hired me to XXXX her daughter 's graduation party. I have a signed and dated contract with XXXX that I've sent to paypal showing that we have business together and both parties agreed to do business through paypal and for the amount disputed. XXXX attempted to pay me through paypal. She frivoulsly typed in XXXX XXXX and paid {$370.00} to the first name she saw. It was not me. XXXX and I conferenced called PayPal to notify them what had happened. PayPal did nothing. The person she sent the money to gets to keep the money and Paypal took no action practically laughed it off. XXXX then sent the money to me a week later through paypal. Paypal without notifiying me took the money out of my account and sent it back to XXXX. I have not been paid yet and its now 3 months later. So some guy that didnt do anything got {$370.00} and my customer got free DJ service. I did 10 hours of work and have got nothing. PayPal went into my accoutn and sent XXXX {$370.00} just on their own accord. I've been ripped off despite doing the work, XXXX gets free DJ service and some other guy named XXXX gets a free {$370.00}. Despite BOTH XXXX and I calling together to notify PayPal what had happened they still gave the money to the wrong person, stole money from me and gave it back to the customer even though I am the only one out of the group who did the work and deserves the money. PayPal refuses to reverse the transaction and has done nothing to rectify the situation. I have yet to get paid and the other guy and XXXX made off with the money. PayPal stole my money and sent it to XXXX. In XXXX stole my money and gave it to some stranger for work that I had performed. I am furious. PayPal refuses to do anything about it.