23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/20 I was transferring through my Cash App account {$500.00} from my XXXX XXXX account into my own Cash App account. After doing so the money never showed up into my cash app account. I then realized my money didn't go to my own account, but instead went into another person 's account. I immediately canceled the transaction, tried to call cash app ( the number is an automated system that refers to an email ) sent a support message to cash app through their help section of the app. I received an email confirming my cancellation request. I sent a help ticket to XXXX requesting a stop on the transfer. XXXX said they couldn't do anything until the transaction was no longer pending. I sent 2 more messages with no response to cash app. Finally, after the transaction posted and the transfer was complete cash app emailed me saying they know it's not the response I hoped for, but since the transaction is now complete they couldn't help me. Nevermind that the money was transferred unauthorized to a stranger 's account, nevermind I contacted them immediately, and I canceled the transaction. I requested a telephone number to speak with a person, and all they've done is email me saying they can't/wo n't help me. I filed a formal dispute through XXXX and am still waiting to hear from a manager. XXXX originally told me no they wouldn't help me because it wasn't completely unauthorized and that I'd have to go to cash app, but then I asked about being covered under the EFTA because I noticed the ERROR and contacted both XXXX and Cash App immediately and tried everything in my power to correct it, they sent me a form to fill out. Under Regulation E the EFTA States that '' if a consumer notifies an institution that an error involving an EFT has occurred, the institution must investigate and resolve the claim within specified deadlines. Errors covered by this requirement include unauthorized EFTs, incorrect EFTs, and the omission from an account statement of an EFT that should have been included. '' I'm getting no help on resolving this issue. My {$500.00} is in someone else 's account, and cash app is neither reversing the transaction to my XXXX  account or to my cash app account. Please help me. Thank you
Product: Vehicle loan or lease

I had a loan with Westlake Financial for a XXXX XXXX XXXX. They offered to settle the balance ( in writing ) for {$9700.00} if paid within 14 days from the date of the letter ( XX/XX/XXXX ). They did not mention the vehicle was still subject to repossession before that date. Never the less on XX/XX/XXXX the vehicle was repossessed at about XXXXXXXX XXXX XXXXXXXX. I called to find out why and received no satisfactory answer. Instead I was told i need to pay {$12000.00} inclusive of a repo fee. My father paid them {$12000.00} the morning of XX/XX/XXXX with anticipation of retrieving the vehicle that night per a conversation with XXXX XXXX at XXXXXXXX XXXX XXXXXXXX in which he said they would send a release of lien within two hours. No Release of lien was sent Friday and the earliest appointment the XXXX XXXX had was Monday XX/XX/XXXX at XXXX. I waited until Monday at XXXX XXXX, went to retrieve the vehicle because XXXX XXXX said the release had been sent. I waited multiple hours until it was too late for the repo lot to release the car. I made multiple calls to XXXX XXXX wo affirmed the release had been sent at XXXXXXXX XXXX but since Friday it appears the release process has been an issue for all customers. Long story short the release still was sent and when asking to speak to a supervisor i was told it would be the same answer. My father told them with as many customers as he implies were affected the same way due to a purported system issue there has to be something that can be done. it fell on deaf ears.
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. 

AcXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 

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 card or prepaid card

I was scammed by a company out of the USA.

I disputed the charge with American Express and the did NOT properly investigate the fraud.

American Express actually is frauding me the consumer! Attached evidence will prove the fact that American Express did not actually investigate anything they are OK with taking money from XXXX veterans. American Express should change their name because theyre XXXX
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$590.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  XXXX Balance : {$770.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. Aidvantage now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from XXXX XXXX XXXX where I had consolidated them from XXXX in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from Aidvantage to XXXX but my balance with Aidvantage never went down. I called XXXX and Aidvantage numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to Aidvantage I was told not to worry about it and that it would be deleted when XXXX discharged it from their end. There are no records in either XXXX or Aidvantage as to what they are doing with any of my accounts. Aidvantage has not subtracted the amount that XXXX has discharged and they have taken more from Aidvantage. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.
Product: Student loan

I can not get ahold of the company to varify that my loans qualify for PLSF
Product: Credit reporting

I contacted Transunion to clear up a record regarding a settled debt, and received a message saying it would have to be " manually processed. '' I did not hear from them after two months. 

Here is the background settled a debt with XXXX XXXX XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.
Product: Credit card

The " Convert Rewards '' tile does not work/verification does not work. 

When trying to convert my rewards I am prompted to verify my identity by entering my phone number. When I enter my phone number, which is the same as in my account, I get an error message that the system does not find my phone number matching my name. 

The system precludes me from using my rewards in the way I want. 

I have contacted Capital One technical support multiple times but they refused to help saying that's how the system works and they can not do anything about it. 

The problem has been around for months and Capital One has not yet resolved it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX performed an unauthorized Hard inquiry on my credit report on XX/XX/2019. I did not approve this inquiry, as such I would like it to be removed from all credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and XXXX  is reporting false information on my Credit report. 
I had paid an account with XXXX and they sent a letter to XXXX  and XXXX  saying the account needs to be deleted off my report.
Product: Debt collection

On XX/XX/2020, I had been contacted by a company called Phoenix Financial Services LLC whom informed me that they bought my debt from XXXX XXXX XXXX XXXX XXXX. A man calling from XXXX said this debt is for a doctor that had not been paid during my ER visit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Emergency Room. I called my insurance company as well as the ER staff whom said I have no existing bills and all was paid. I asked Phoenix Financial Services LLC. to ask the doctor involved to send me the bill. The company then sent me a bill of {$1400.00} in mail not from the doctor/clinic, but in their own name. These scammers have obtained my medical records,. ( i.e date of medical service and hospital ). I want to make sure these criminals are caught and other people 's medical records are secure at that hospital.
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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

I haven't received an answer from the 3 Credit Bureaus as of now, which is what led me to decide to ask you for help. They have acted negligently and refused to abide by my request. I am positive that they must adhere to the Fair Credit Reporting Act law, present documentation, and proof, and provide definite and accurate answers within the allotted statutory time. But if they didn't, they'd have to amend or remove the inaccurate and unconfirmed information. My credit scores have been severely harmed by their unpleasant and inappropriate behavior. Please notice the items I'm worried about below : XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account XXXX : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/23 a charge was made on my account for {$370.00}. This charge was supposed to be refunded back to me on XX/XX/23 yet no funds have been received and the bank is saying I wont be getting any funds. Ive banked with Chime for 4 years and this is the first issue Ive had and the first time Ive actually needed help. I need this money back asap Im astonished Chime wont give me my funds back. Im getting scammed by my own bank and by VIP Auto
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion are reporting an inaccurate XXXX account on my XXXX credit report and XXXX XXXX  XXXX on my TransUnion credit report, both of these accounts are the same account with different names and they were both closed on the same date XX/XX/XXXX and both sold to XXXX XXXX XXXX Both of the accounts were said to be opened on XX/XX/XXXX and both accounts were last reported on XX/XX/XXXX. The account was successfully disputed with XXXX XXXX and removed but is still reporting inaccuratly on my XXXX credit report as XXXX ( Closed with {$0.00} Balance ) and inaccurately on my TransUnion credit report as XXXX XXXX XXXX ( Closed with {$0.00} Balance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, For a property I own that is serviced by XXXX XXXX XXXX, my property management has documented proof check was printed and I have a statement from my property management company noting date, check number, and reference number for the date. The management company has been doing accurate payments for years this way so I doubt they would choose this time to falsify a document/statement. I have had YEARS of on time payment. 

I have provided all this documentation to XXXX but they will only communicate via mail and refuse to address this mistake. 

Transunion site which should allow me to dispute with uploading information does not forcing me to mail documents in which is timely and horrible.
Product: Checking or savings account

Have joint checking account with mother who recently passed away. Approximately XXXX in account. 
XX/XX/XXXX : Received letter from Valley National Bank, XXXX, NJ which advised account would be frozen/hold until State required forms are completed. Gave me phone number of branch and CS. 
XX/XX/XXXX : Called both and was told I must come to branch with death certificate and ID. I advised nearest branch is 20-30 minutes away and have not been going to local branch since relocating in XX/XX/XXXX. 
Advised I would fill out any form required by LAW and send back to bank with death certificate. Was told must physically come to bank and NO supervisors were available to speak with me. I asked what law but both CS and branch could not provide the statue. What do elderly or XXXX individuals do, does the bank just keep their money?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX incorrectly reported to at least 3 credit bureaus ( XXXX, XXXX  and Equifax ) that I owe XXXX {$240.00} on an account that was closed in spring XX/XX/XXXX. I  owe XXXX nothing, and disputed that balance to XXXX and to each of the credit bureaus. The credit bureaus have failed to correct my credit history, so I continued to try to resolve the issue with XXXX. Most recently, today on XX/XX/XXXX, I spoke with a XXXX Customer Service Representative named XXXX, who looked through my account notes and confirmed that 1 ) I requested account closure as early as XX/XX/XXXX, and 2 ) XXXX did not actually close my account until XX/XX/XXXX. He also confirmed that XXXX had incorrectly billed me {$10.00} more per month than what I had signed up for. That billing discrepancy was the original basis for my desire to cancel my XXXX service : XXXX had falsely represented my monthly service would be {$49.00} per month, but instead charged me {$59.00}. My exasperation with XXXX 's billing practices in violation of my contract precipitated my request to close the account. XXXX then dragged its feet on account closure so it could keep piling on charges and fees for 3 more months. I paid the legitimate balance in XX/XX/XXXX, but refused to pay any more of XXXX 's illegitimate charges. Finally on XX/XX/XXXX, XXXX discontinued my service. None of the remaining charges on my account are legitimate. Today the first Customer Service Representative, XXXX, said he was unable to reverse any of the charges. I asked to speak with someone who could, so he connected me to his supervisor, XXXX XXXX. She reviewed my account and the months of notes, and concluded that my account should be credited {$110.00}. She said the corrected balance would be reported to the credit bureaus. However she said XXXX would continue to charge me a purported {$130.00} " early termination fee. '' She said it was pursuant to my contract, which I disputed, particularly since I never received a written contract. I explained that even if I was under such a contract, XXXX had breached the contract by ADMITTEDLY overcharging me every month, so I should not be charged a fee for getting out of a fraudulent contract and billing scheme. XXXX and the credit bureaus should not be permitted to extort such illegitimate payments from me or any other consumer. I discovered this credit reporting issue while applying for a mortgage. My first loan application was rejected due to this erroneous information the credit bureaus accepted without question from XXXX. I will have to pay a significantly higher interest rate to secure a mortgage. I have also been turned down for 2 credit cards since the credit bureaus accepted this false information and added it to my credit history. This erroneous credit blemish also harms my ability to apply for jobs and rental housing. This extortion by XXXX, XXXX and Equifax on behalf of XXXX is therefore costing me a lot of money and reputational damage.
Product: Mortgage

I enrolled in Fifth Third auto bill pay for my mortgage in XX/XX/XXXX or XX/XX/XXXX of this year. I received a letter stating it was active in XX/XX/XXXX. However, that letter did not state whether my next mortgage payment due on XX/XX/XXXX would be made automatically. 

Seeing that it had not been made, I manually paid the mortgage the morning of XX/XX/XXXX. On XX/XX/XXXX, I learned 5/3 accepted my manual payment as well as initializing the auto bill pay later that day - effectively paying my mortgage twice. After several waits on hold and attempts to find the right department, I spoke to a customer service rep on Monday, XX/XX/XXXX, who told me she could reverse the auto-bill payment and the funds would be returned in 2-3 days. On XX/XX/XXXX seeing that the funds have not been returned, and my 5/3 online account shows no evidence of anything happening, I called 5/3 customer service again. 

On XX/XX/XXXX, I was told that it takes 2-3 days for an internal approval, and then 5 business days for the funds to be returned. My online account shows no evidence that this process has begun and no one I 've spoken to at 5/3 can offer any assurance that it will actually be 5 business days. 

Additionally, nothing on the 5/3 online banking site ever showed that auto bill pay was active or what day the payment would be automatically made. I 've asked both customer reps I spoke to about this, and neither could offer any insight. Clearly they were completely unaware what the customer banking portal looks like.
Product: Debt collection

PROGRESSIVE MGMT SYSTE is sharing my nonpublic personal information with no affiliated third parties XXXX, XXXX, & XXXX. PROGRESSIVE MGMT SYSTE does not have my consent to have and share my private personal information. Then, the information that they are reporting is inaccurate and false. They are reporting to XXXX AND XXXX that there is high credit limit of {$2200.00} and a balance of {$2900.00}, I did not make a any purchase or payment agreement to this company. The information they are providing to consumer reporting agencies is incorrect and damaging. They are violating my right to privacy as a consumer, by reporting inaccurate, false, damaging, information to the consumer reporting agencies. They are violation of multiple federal laws.