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

So basically I signed up to use coinbase to buy XXXX send and and to try just basically to get into the whole cryptocurrency investing so they had promotions that they were advertising I signed up I was buying XXXX sending XXXX as soon as I signed up when I was verified everything worked great in the beginning after that I did a purchase of about {$100.00} another one of {$200.00} another one of {$300.00} and {$200.00} XXXX believe so I basically have about {$600.00} or more that I have purchase that already cleared from my bank it's been over 10 days and they won't let me access my money they keep telling me that my accounts on hold and I can't access my money or transfer it out or get a refund and this is after it already cleared on my bank so they have the money because it cleared my bank but they won't give me my money back or even let me access my money they just won't give me what's mine or what I basically purchased I'm tired of waiting on them or they keep on just changing the dates on me and telling me new things every time and this is after when I did the purchase it said that I will be able to do transfers and everything in that matter instantly as soon as I purchased it not once did they ever tell me that I will have to wait so I need to basically get some type of help in order to get my funds back because they're scamming they're scamming me out of my money so please I need some help.
Product: Payday loan, title loan, or personal loan

This is the second complaint against Kending Club concerning my loan with them, the deceptive tactics and misleading information, and the fact I spoke with their consumer advocacy associate and asked her specifically to tell me what I was due on my account XX/XX/XXXX because I was in the midst of closing on a home equity line of credit to pay them off. She then tells me she would get back with me. Three days later she then gets back with me. I had the money to get the account current and it is my belief that after speaking with her and reaching out to XXXX XXXX by email over 8 times, my situation with my area being declared a natural disaster or the fact that Im trying to pay them off through my home equity line of credit, means absolutely nothing to them. Worst customer experience of any business I have ever dealt with. Its because of there miscommunication, Im in the position where I can not close on my home equity line of credit to pay them off.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. In early XXXX, despite using Zelle numerous time and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

Last year XXXX alerted me to a hit on my report. I contacted ABR Recovery Services LLC and they were unable to provide proof the debt was mine. I am a government cleared person and wanted this matter removed from my bureau ( XXXX  ). The agency personnel put in writing if I paid a reduced amount it would be removed. I paid. Not removed. I have email traffic that this debt was paid and was to be removed from the agency. The only thing that was done was the balance was XXXX out on the report. In XX/XX/XXXX of this year, ANOTHER ABR hit on my report. Original amount and company - a duplicate. I contacted XXXX  and challenged. Ever try to get anything done with XXXX? They told me to contact ABR Recovery. Needless to say, both accounts are still on my report. I emailed the agency and contacts I original dealt with and they replied they would remove both accounts. This has not been done. Neither dates on either of the ABR Recovery reports match, are even close, or have been deleted.
Product: Checking or savings account

I am noticing a repeated issue with late fees that are excessive in amount. I have a credit card that has been issued by Navy Federal Credit Union, and also have them as my main checking and savings accounts. I understand right of offset with missed payments, but I have noticed that if a credit card payment is even five days late, a fee of almost double the original amount is applied. For example, a monthly payment of about {$270.00} is due for a minimum payment on this credit card, but with a late or missed payment fee, the total amount is almost {$600.00}. Once the minimum is paid, a balance of $ XXXX still remains. This creates a situation where someone living paycheck to paycheck will not be able to un-bury themselves and maintain payment status and seems like bad practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX - during a mortgage refinancing effort - I discovered on my credit report an unpaid claim of {$490.00} for a medical debt reported by XXXX XXXX XXXX. No attempts to collect this debt were sent to me at my address ( since XX/XX/XXXX ) so I had no knowledge of this claim. After following up with the debt collector, it was determined that it was from a doctor XXXX XXXX from XXXX XXXX XXXX, associated with the XXXX XXXX Hospital of XXXX for a visit on XX/XX/XXXX. I did not see any doctors at this practice at this time and was able to determine that this doctor was n't associated with this practice. The hospital could provide no more information on this charge. I disputed this with all three credit bureaus and they determined this to be fraudulent and removed it from my credit report. I just now ( XX/XX/XXXX ) discovered that the same charge appeared back on the XXXX and Equifax credit reports under a NEW claim number. When I called the credit bureaus they said they did not reject this claim because it was under a NEW claim number so it APPEARED TO THEM AS A NEW DEBT COLLECTION ISSUE. I am presently disputing the charge again. I also called the debt collection agency - XXXX XXXX XXXX - to resolve this issue. The person who took my call, refused to acknowledge that this claim had been resolved as fraud and refused to acknowledge that it had been submitted under a new claim number. They did tell me the detail of the reported debt ( XXXX XXXX, XXXX XXXX, {$490.00} ) which then confirmed that it was, in fact, the same fraudulent debt that was disputed in XX/XX/XXXX. The only available option to me was for XXXX and Equifax to start another 30-day dispute process. This is unacceptable that the credit agency is unable to identify this charge as the same JUST BECAUSE IT HAS A NEW NUMBER. This should be suspicious and this should be removed immediately while they investigate and only added later if they determined this to be true. This is DIFFERENT from normal disputes because it has the characteristics that show it is the same charge. I was able to determine this by making a quick call to the collection agency. XXXX and Equifax should be able to do the same service for a consumer - they agreed with me on the phone that it looked fraudulent and said it was the new number that was the problem. By not addressing this quickly, they allow this scam to occur and this likely has a XXXX-XXXX point decrease on my credit score. I am attempting to close a mortgage in 45 days. XXXX and Equifax does not have proper fraud detection measures in place to protect consumers.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to XXXX about inquiries on my report to delete and investigate and havent received no results yet
Product: Debt collection

The company would rudely answer the phone to ask me my name and then tell me their legal team is handling my debts. I would only hear back with debt verification via reporting ON XXXX where they showed they sent a summons for an address i didn't reside at 3 years ago. They have also called twice a day to try to directly collect the debt I was not properly informed about. I have no knowledge of the account mentioned.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention several inaccuracies on my credit report. There are accounts listed that do not belong to me, and I have never opened or authorized them. This situation is not only unfair but also deeply concerning, as it falsely damages my creditworthiness.
Product: Debt collection

I, XXXX XXXX entered a consumer credit transaction with Alliant Credit Union on XX/XX/2018, which involved a finance charge. Pursuant to 15 USC 1605 ( a ), a finance charge is the sum of all charges in a consumer credit transaction and does not include cash. Alliant Credit Union has collected monthly payments from me since XX/XX/2018, which is in violation of 15 USC 1605. Also, Alliant Credit Union failed to include my auto insurance which is to be included in the finance charge, pursuant to 15 USC 1605 ( a ) ( 5 ). Alliant Credit Union failed to disclose to me my right of rescission and provide me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights has been violated and Alliant Credit Union is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to 15 USC 1640 and 15 USC 1692k
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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. 

I looked at my credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

The debt collections agency Eastern Account Systems. Is a fake collection agency. If you look at the reviews there are warnings. They keep calling me saying that I owe {$61.00} for an unpaid internet bill that i confirmed with the internet provider that I do not owe anything to them. Yet the eastern account systems keep calling telling me I owe and theyre getting more and more convincing and they wont stop calling. They wont provide me with any information other than the address of the place I dont live at anymore and the amount that is owed they are scammers. The whole company needs to be looked into and shut down so this doesnt happen to anyone else who doesnt do their homework. Its fraud and its need to be resolved. These are real people getting scammed and it could ruin someones life.
Product: Credit reporting or other personal consumer reports

Equifax has been reporting two accounts on my report that I have no recollection of and they have been doing so for sometime. They have failed to provide me with how they verified on multiple occasions. There is a XXXX and a XXXX  account that is ONLY on my equifax report. It's not on my XXXX or XXXX. I don't understand so I have no choice but to make this report as it's affecting my score and ability to get approved for a car.
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 violates 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, a s they did not comply with error resolution requirements under Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit card

I used my Apple Card to do an installment agreement to buy and Apple phone XXXX. I made 3 payments {$3000.00} XX/XX/XXXX {$100.00} XX/XX/XXXX and {$100.00} XX/XX/XXXX. At this time I noticed it was not an installment sale so I called and they converted it to an installment ageeement and I received the email. I had a credit balance of {$230.00}. On the email it says my first installment was due XX/XX/XXXX and that I could pay off my balance quicker. They took the first installment XX/XX/XXXX. I phoned today XXXX to ask why my positive balance had dropped and they said it was because the installment had gone out and they dont know why as they saw in the email XX/XX/XXXX too. I then asked them to apply the rest of the positive balance to the installment and was told they can not do that the system wont allow. The email states I can pay more every month to pay it off earlier.
Product: Debt collection

in XXXX a judgment was filed against me in XXXX XXXX Case # XXXX for {$12000.00}. Asset Systems has contracted with no less than XXXX attorney agencies to collect on this judgment. In XXXX I had no less than XXXX agencies garnishing my wages. Sometime during XXXX XXXX to date, Asset Systems was paid a total of {$7800.00} of the original debt filed against me in XXXX. Per a statement from XXXX XXXX w/Asset Systems on XXXX/XXXX/XXXX, they dropped the collection on this debt because they could n't not get their garnishment attempt in place because of the other creditors waiting with their Writs. The newest letter I received from XXXX XXXX XXXX, on behalf of Asset Systems has filed a claim that I owe a total of {$11000.00} on the original debt filed, again, back in XXXX under the garnishment case listed above. I have filed a complaint w/the AG 's office for Oregon. I will be filing a dispute w/XXXX on this demand for payment stating that Asset Systems, through previous garnishments have been more than paid for the debt they claimed on me since XXXX. Unfair collection practices is happening and I request that a full investigation be made on this case. I will be requesting from my current and previous employers, copies of all garnishment payments made to agencies under this case number. Once I have this information I will provide this to any agency proving payments made on this case since the date it was first filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX This credit is reporting a XX/XX/2019 as a 30 day late. 

XXXX XXXX failed to validate the 30 day late, was never 30 day late.
Product: Mortgage

We was contacted by XXXX XXXX from Nations Mortgage Advisors on XXXX XXXX told me have you heard that the interest rate has dropped to 2.99. I told him I didnt think we could do anything because we refinanced on XXXX XXXX. XXXX had me fax over W2 and Leanders copy of information and he would take a look. XXXX called me on XXXX XXXX sent me over information with a financial worksheet to fill out and mail back with XXXX retainer fee for title search and appraisal cost and so on. We filled out the information sent it in the mail with the check to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  CA XXXX on XXXX XXXX. XXXX called me on XXXX XXXX told me he got everything and will get back with us after XXXX. After XXXX we talked back and forth on XXXX XXXX XXXX had me talk to XXXX XXXX XXXX told me after reviewing our information he suggested we go through remodification of the equity loan. XXXX said he called our XXXX XXXX  for the equity and said they will accept 10 % of Forgivness. XXXX said we needed to pay Nations Mortgage Advisors fill out the forms and send check of XXXX. My husband submitted paperwork into 401K to pay the money for XXXX. I put the money in the bank on XXXX XXXX. XXXX worked up the forms for us to sign emailed it to me. My husband and I filled out the information and mailed the check on XXXX XXXX certified mail with tracking #. Nations Mortgage Advisors funds Department received it on XXXX XXXX. XXXX XXXX the check cleared I could get hold of someone in the office until XXXX XXXX then no one would answer there phones or call me back. On XXXX XXXX I called the office again and left a message that my husband and I was cancelling XXXX XXXX I faxed cancellation letter in and on XXXX XXXX I sent certified letter of cancellation. We had talked to the XXXX XXXX  XXXX  that we had they didnt get any calls or received any money for our loan. We feel we have been scammed.
Product: Payday loan, title loan, or personal loan

Citibank credit services I paid my bike loan and they are not sending me title I called them so many times they we only sent you lien satisfied notarized paper you have to take it to DMV for actual title but DMV wants bank to send title directly to them but Citibank is not helping me in this regard please help me resolved this matter My number XXXX
Product: Mortgage

In my long fight ASC ( Wells Fargo ), the most recent battle is with my Property Insurance. My Agent submitted to mortgage lender to pay insurance as they been paying in the past. Instead, they now refuse to pay it claiming my loan does not have escrow. They have paid in the past including the property taxes for the past years. Now they have issued a for-placement insurance and ( of course ) charged to my escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX, XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXXederal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$560.00} XXXX XXXX Balance : {$7700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$2100.00}
Product: Mortgage

I had a previous complaint about the amount of my taxes and insurance. That being said- I allege that this company received funds from XXXX XXXX for my XXXX forbearance loan repayment. HAF paid in excess of the amount owed for my taxes and insurance, because the lender was charging almost {$200.00} additional dollars per month. There was a significant overage paid by XXXX XXXXXXXX for my escrow account. 
The person most recently spoken to at XXXX XXXX explains things as lets imagine you actually owed what you were paying in escrow. Then the numbers would be correct. However, we do not pay in what could have been. In reality my taxes and insurance were collected in far excess of what I owed. It appears a large amount of attorney fees and other fees were charged which not one person mentioned in any conversation. 
The accounting of my taxes and escrow from XX/XX/XXXX is incorrect. There should be a surplus.
Product: Credit reporting or other personal consumer reports

Credit report bureau does not check accuracy of statements coming from mortgage companies ( and others ) without proper payment applications, cyber security procedures and standards. There is a consortium of companies providing incorrect statements and information and the credit bureau is complicit in their inaccuracies. An example of that type of company is XXXX XXXX. The only purpose is to keep customers tied to low level lenders ( such as XXXX XXXX ) and higher interest rates by manipulating their credit scores.