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

On XX/XX/XXXX in 2023 there was a fraudulent transfer f funds from my credit card to my checking account. It was almost my entire account. The amount was then transferred to an Email that I have NO CONNECTION to. I DO NOT KNOW THIS PERSON My accont was hacked and drained. I saw it a few days later and called to claim the fraud. They gor back to me within hours and told me they found no fraud claiming that I made the transfer of funds. THIS WAS MY ENTIRE SAVINGS - why would I do that? - I was hysterical. I called them again to ask how t had happened and how my account wa hacked and what security was in place? - They had no answers- they said they would do a through investigation which apparently they had not done in thhe first place. I recieved notice XXXX weeks later that they had again concluded that I made the transaction and claimed that they funds were transefffer to a business. NOPE. it was not a business it was a private email account that they shared with me. I have now asked them XXXX more times to look into the matter filing more claims. they contine to send me the same information that they used to make the decision. They refuse to work with me and Im getting NO WHERE I wasnt my hard earned money back. THEY ARE AT FAULT. I was planning on moving half way across the country with this money This has ruined my financial and personal life. IT is UNACCCEPTALE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting my  XXXX  free credit reports online via  XXXX  for many years. Usually no problems but have caught  XXXX  problems and managed to resolve them in the past. No issues for at least 5 years. Last year (   XXXX   XXXX  2016    ) I printed  XXXX  and  XXXX  from the online reports. Equifax stated online they could not honor my request online but would reply by mail-which they did. This year   XXXX   XXXX   to be exact I had no trouble printing online reports from   XXXX   &   XXXX  . Equifax however stated they could not honor my request online for security reasons ( they did not ask any extra security questions which have been used by others in the past  )  but I would have to process my request through the mail. There was a place to click on a PDF file to print the mail in request and to submit many different types of proof of identity. As this appeared to be onerously cumbersome I started clicking around to see if I could avoid this extra work. I managed to get back to the home page which now showed that I had received my Equifax report.and could no longer access the information. I have attempted to find the request form and instructions online unsuccessfully. I have attempted to call Equifax but since I had no ongoing issue none of the options applied.   It appears that Equifax is doing it 's darnedest to avoid complying with the Fair Credit Reporting Act ( FCRA ). I just want my credit report without having to jump through unnecessary hoops-yes I think security is important but so do  XXXX   &    XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX 2022 I am requesting a FREEZE on my Transunion credit report. 

I requested a FREEZE but I have not recieved any documentation from Transunion confirming the freeze. 

I am also requesting to OPT-OUT of Transunions credit reporting services.
Product: Credit card or prepaid card

( 1 ) I made this statement ( XX/XX/XXXX ) on XXXX under my wife 's account : " Credit/debit card fraud alert. My credit/debit cards information was stolen 3 times in a row. Do NOT flash your credit/debit card numbers inside XXXX store XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX ) and near XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). Better tape your credit/debit card numbers and the security code ( you can still use the built-in chip ). I suspect there are hidden video cameras recording customers. '' ( 2 ) The following charges were made in XXXX ( XXXX XXXX XXXX XXXX grocery store ) on XX/XX/XXXX, when my Citi Bank credit card got compromised : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$190.00} ( 3 ) I had immediately disputed the charges when I saw them in my statement with Citi Bank, however, on XX/XX/XXXX, all 4 disputed charges were denied on the following basis : " We have completed our investigation and found you are responsible for the above referenced transaction. Your account will be rebilled based on the following : The merchant provided documentation confirming this is a valid charge. 
We have enclosed a copy for your records. We now consider this investigation closed. '' ( 4 ) This is unfair play on behalf of CitiBank knowing their unsafe business practices and current financial problems ( XXXX XXXX XXXX ) : " Citibank has been in trouble with regulators, and was fined {$400.00} XXXX by the Federal Reserve and the Office of the Comptroller of the Currency in XXXX. The fine was for unsafe and unsound banking practices, which included sending around {$900.00} XXXX to the wrong recipients.XXXX  XXXX, XXXX '' ( 4 ) I've never been in XXXX, nor have I ever been part of any credit card scam ( or any scam whatsoever ), I've been a loyal customer of CitiBank for many years, payed my bills on time, and have a higher than average credit card score ( all this information is easily obtained ). I have never been to XXXX ; I reside in XXXX XXXX, XXXX I have never made the above purchases or contacted anyone who might have made them in XXXX. 

( 5 ) In addition to the above, below I show that my debit card from another bank was broken into ( twice ) around the same time. 

( 6 ) My debit card ( with another bank ) was broken into ( and, then, again was broken into with a new re-issued card ). I can obtain and show proof from that bank if needed. This was the time I'd started a discussion on XXXX ( under my wife 's account ) on debit/credit card fraud in the area : XXXX XXXX  XXXX? XXXX & XXXX & XXXX & XXXX % XXXX At this point I would love to see how CitiBank can prove their case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope all is well with you. On XX/XX/2021 I had sent in my third letter regarding inaccurate and not known to my knowledge things on my credit report. I sent my first letter on XX/XX/2021 and another letter on XX/XX/2021. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Product: Money transfer, virtual currency, or money service

I am filling 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, credit repair services, or other personal consumer reports

please remove all inquiries In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX ( input accounts ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I notify Experian about the inaccurate balance and payment history reporting wrong on my consumer credit report. The Experian customer service verify that my account I was dispute are investigations .I have sent out several letters prior before calling them serval time .This matter is very frustrating and also damaging my credit report. They're four credit card account that is reporting late payments which was never late and is pay off / good standing account.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX, Fl VOLKSWAGEN CREDIT XXXX. CONSUMER CREDIT INQUIRY XXXX. XXXX XXXX XXXX, Oregon XXXX Dear Srs. This is my situation : Last year I leased a XXXX XXXX and I used it for a while. Because my monthly payment was high I consulted with an employee and she told me about a XXXX, XXXX, that had been returned and, if I decided to buy it I will pay {$50.00} less. I agreed, signed all the papers, and began to run my own car 1- Some months ago I filled the tank and I saw a red signal telling me that something was happening. I took my car to the dealer and they told me that I have not put well the gas cap and that had caused some trouble, and I have to pay {$700.00} in order to correct it. 
! XXXX! An employee suggested me to lease other car, and the accountant told me I would receive a certain a big-amount for my XXXX. I still dont know why I accepted this new deal. 
2- I leased a new XXXX XXXX and What happened? I had only used it for a month and a half and on Sunday XXXX XXXX I intended to drive it and it didnt start. I called the dealer and they sent some help and took my car to their facilities. 
3- I called the next day, Monday XXXX, and they told me that the problem was fuel contamination and I had to pay {$800.00} XXXX What? How do you pretend me to pay this amount for a factory problem the car has? What guaranty do I have, in the case I do pay this, that next month it happens again? Fuel contamination? But the fuels I use come from any gas station? 
4- My answer was and it this : I wont pay anything for some factory defect the car has. Keep the car. You charged me with {$2000.00} which I pay as a down payment, well take that money and that is! 
There are two more thighs : nobody explained to me that you were charging me with some amount of money because I have returned my XXXX XXXX. Beside that nobody explained to me that you will charge me more monthly payments because I gave as trade in my XXXX. The guy there told me the Co. would credit me with XXXX for my XXXX and, after signing my new contract, then I realized that the accountant have added to my new contract payments from the XXXX and from the XXXX. My new bills were now {$570.00}. Next day, after signing my new contract, and when I realized what were my new bills, I went to the dealer and told them I couldnt pay these bills, I wanted to return back the XXXX and the person there told me that I couldnt do that. 
I am XXXX years old, and a retiree person enable to continue paying this amount with all you have added, without explaining me in a proper way. I fell that I have been surprised by your company. My suggestion is this : You keep the {$2000.00} you charged me, and you also keep the car. I dont want it and I cant pay it, any ways I used it only a month and a half. 
If you dont agreed with my suggestion Ill send my case to the BBB and they will see it. 
I receive.d yesterday a notification from a collection Co. asking me to pay in full {$18000.00}. This co. is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. Acct. XXXX. VW original Acct. XXXX Resp. XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX ended their credit card contract with XXXX XXXX  and entered a new one with Barclays Bank. Barclays sent the new card with instructions to activate it on XX/XX/XXXX. I have been unable to activate the card online, because Barclays can't verify my information. I can't register for a Barclays online account for the same reason.

I've called two different customer service numbers to get help. On XX/XX/XXXX, I was on hold for 46 minutes before I hung up. Today, XX/XX/XXXX, I have been on hold for 1 hour and 30 minutes, and no one has come on the line. Barclays does not have a chat that I can find. I can not email them because they can not verify me. Barclays has an IVR system that does not tell callers how long the wait will be, does not offer a call back system, does not tell callers where we are in their hold queue. 

I contacted XXXX today for help. They are aware of the delays, but they can not give me any other information about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, Experian and XXXX XXXX XXXX regarding incorrect reporting on my Credit report. XXXX XXXX XXXX has incorrectly reported that I owe {$4300.00} of which they purchased the debt from XXXX XXXX. XXXX XXXX XXXX has sued me in XXXX XXXX State of Georgia Superior Court. On XX/XX/2021 XXXX XXXX Filed A Dismissal with Prejudice to the XXXX XXXX GA State Court. I have provided this documentation and XXXX verified they have received the Documentation but advised me that the XXXX investigations indicates I am responsible for the Debt.
Product: Mortgage

I mailed a written request to my mortgage company Nationstar requesting stopping my mortgage insurance payments. They acknowledged the receipt twice. It has been over six months and they have not made any further contact regarding my request.
Product: Mortgage

My Husband and I applied for a loan and were approved. We found a house and started closing process. They had me jumping through hoops 24/7. It was so hard to get a hold of XXXX XXXX. When we did get a hold of her she was short and very rude. We are going through XXXX XXXX MAPS program. The program requires some paper work they had to request from her and you could tell she did n't want to deal with us. We got to our closing day almost. The day before I got a phone call requesting a year worth of utility bills and if I could n't close. They said we no longer had enough credit which they knew our credit when the pre-approved us. We have really good credit scores. We just did n't have 3 lines. It seemed like from the start they did n't want to lend to us. They just dragged us along knowing the entire time it was n't going to work. They we 're so unorganized it was crazy. They are very unprofessional and discriminated us because of our age. 

When they dropped us they told us we could still use the appraisal then turned around and wanted {$600.00}. I am so disappointed in this company and ca n't believe the way they treated us. I think its all because of our age they just slung us around thinking we had no clue about what they are doing. They took advantage of us! They have made our first home buying experience horrible. They do n't care anything about others. It took them about 3 months to tell us no.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a vicitm of identity theft. I have been trying to fix my credit and sending the correct information in per the FCRA. The reporting agencies continue to not process my disputes correctly. 

These are the accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX disputes are not being handled per the FCRA and I am not getting copies of the verification process
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent disputes to the credit bureaus about accounts that are not mine. 30 days have passed and the accounts are still reporting on my credit report and I havent received any investigation results or notification that an investigation had started. To my understanding the credit bureaus have 30 days to respond and they didn't. According to the 611 ( a ) if an investigation isn't completed within that time frame the accounts must be deleted. 
I also sent another letter on XXXX XXXX and I still havent gotten a response. At this point I feel like the credit bureaus are ignoring me on purpose and this is pushing me to file litigation. I am being stressed out by this and me being a victim of the XX/XX/XXXX data breach just makes things worser. 

Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX is report incorrect information on my credit. Including recently updating my credit file to reflect incorrect information.
Product: Credit reporting or other personal consumer reports

I HAVE CONTACTED EXPERIAN ABOUT THE WRONGFUL INFORMATION THAT IS REPORTING ON MY REPORT. PERSONAL INFORMATION I HAVE NEVER LIVED AT XXXX XXXX XXXX, XXXX GA XXXX. I DO NOT KNOW ANYONE THAT DOES.THERE IS SEVERAL SSN REPORTING ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME XXXX, MIS SPELLING OF NAME XXXX XXXX XXXX. THIS IS HINDERING MY CHANCES OF BUYING A HOME AND EMPLOYMENT OPPURTUNIES. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX XXXX XXXX. Original creditor XXXX XXXX XXXX. Have violated my rights. 

15 USC 1681 section 602 : states that i have the right to privacy.

15 USC section 604 A Section 2 : also states a consumer reporter agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD AFTERNOON, ON MANY OCCASIONS I HAVE ATTEMPTED TO RECTIFY THE FOLLOWING ACCOUNTS WHICH ARE CURRENTLY REPORT ON MY CREDIT REPORT AS VERY NEGATIVE AND SHOULD HAVE BEEN RESOLVED A LONG TIME AGO : 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. 

I HAVE NOT RECEIVED ANY RESPONSE FROM NEITHER BUREAU REGARDING THIS MATTER : EQUIFAX, XXXX AND XXXX. THESE ACCOUNTS ARE REALLY HURTING THE STATE OF HEALTH OF MY CREDIT AND SHOULD NOT BE REPORTING DUE TO THE FACT THAT NONE OF THOSE ACCOUNTS ARE REPORTING ACCURATELY, COMPLETE, NOR ARE THEY VERIFIABLE. I DEMAND TO KNOW WHY THESE ACCOUNTS STILL REMAIN, I REQUEST ASSISTANCE WITH THIS MATTER IMMEDIATELY AND I GREATLY APPRECIATE IT, THANK YOU.
Product: Student loan

my husband and I have a pa aes student loan we are paying on we signed a agreement in 2013 we also gave permission to to a automatic debit weekly of XXXX dollars we have not missed a payment since we started this they told us 10 payments and we would be out of default I became XXXX and they told me that I needed to fill out paperwork to have the l oans dismissed nlet told me aes has me stil in default I told them no I have not missed a payment since we made payment arrangements and so far I have paid back XXXX since I started paying. I contacted them and they told me that I did not sign the paperwork I told them if I did not sign everything you would not be able to take the paments out why am I in default he told me that I had to start paying them XXXX weekly and when I started paying that and sign new paperwork I would be out of default and they will take all the payments I made and apply it to the loan but in the mean time since they have not taken the money I sent them and put it on the loan al this intrest has build up on it. com on what kind of scam are they trying to putl on me even thought I have been paying faitfully and they had me sign paperwork for automatic deduction and even thought they accepted al lthe money I sent and kept it in ther eaccount and never applied it to minehow do they get away with ripping people off like this its bad enough that my husband has to pay XXXX to a trade school he never hardly went to because he hwas mental at the time and they kept letting him take out student loans knowing he was in no condition to go to school let alone a trade school please can someone help us we have no more money to dish out and they are killing us financially
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$27000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$330.00}