23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Hello, I am XXXX XXXX I have a concern with how the prepaid debit card Cash App is operating. I made purchase XX/XX/year> with merchant XXXX for {$73.00}. Another attempt was made on the same day of XX/XX/year> for {$52.00} by the same XXXX XXXX XXXX XXXX the card company Cash App this transaction did not go thru because the card was locked and showed declined on the ledger. Another attempt was done on XX/XX/year> for {$52.00}. Somewhere between the last two transactions my account went into a negative balance although for the original money was always in the bank. I asked the card holder Cash App if this is not an actual charge why did it deduct funds when I deposited money. I also asked if this is a pending charge when the hold is lifted does that mean my funds will show as a credit of {$52.00} instead of a remaining negative amount. I pretty much asked where is my money and no one can answer that.
Product: Credit card or prepaid card

XX/XX/XXXX at XXXX I called XXXX XXXX to f gain access to my account due to recent fraudulent activities. After confirming and verifying my personal information, including full social security number, they told me that they couldn't help me gain access until I provide my full name, address, dob, user id for which I did. They then sent me an email which I verified as well. He tells me it takes 24 hours to verify who I am and I explain I need access to the account and I can't get into it. I request management if he can't access give me a manager who can and they transfer me to another supervisor. They advise there are no managers and they don't have an escalation process. They forward me to another supervisor who tells me that they don't have managers. I insist on management and escalation and they forward me to an additional supervisor who reports to me that their manager is home putting his children to bed. I insist on speaking with a manager, they transfer me to yet another supervisor. I'm close to two hours requesting management to access my financial account and they advised me that I can stay on hold till tomorrow but I will not get a management. They have refused management and have no access to my financial information and they refuse to close the account due to this treatment.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I reported that my wallet was lost, and that my i.d . and debit card were inside. There was an unauthorized charge on my XXXX XXXX checking account which was at a XXXX XXXX branch that ended up being {$3000.00}. reported this to the FTC and my incident report number is XXXX. I also reported this to the FBI as fraud. I need this to be taken off my credit report immediately please.
Product: Checking or savings account

I have sent cashier checks to XXXX XXXX XXXX XXXX ( XXXX ) to meet grant requirements and never received the grant. Since I have not received the grant, I requested the return of the money I sent with no results to date. I have concluded that this organization is fraudulent. Attached is a list of Bank of America cashiers used by the XXXX. My contact phone number for XXXX is XXXX and only address I have is XXXX XXXX XXXX, XXXX, XXXX XXXX. You may have difficulty communicating with them because of their fraudulent nature. I refer you to the US Department of Labor Office of Inspector General and the FBI. All the cashiers on the attachment are from the XXXX. I request your investigation with a goal of returning all the cashier checks to me valued at {$200000.00}. All cashier checks were initiated from my XXXX XXXX checking account. I consider these cashier checks as stolen and request their return. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive several incorrect late payments and delinquency on my credit report which is false. 
XXXX : XX/XX/year> XXXX XXXX shows as Late/ delinquent = {$2500.00} XXXX : XX/XX/year> XXXXXXXX XXXX  account shows as Late/ delinquent {$100.00} XXXX : XX/XX/year> XXXX XXXX XXXX shows as paid off but reported a late/ delinquent payment on my report 4 : XX/XX/year>XXXX XXXX XXXX XXXX  also shows as Late/ delinquent = {$350.00} XXXX : XX/XX/year>XXXX XXXX XXXX shows as late/ delinquent = {$4000.00} XXXX : XX/XX/year> XXXX XXXX XXXX, shows as a collection on my account and its Late/ delinquent = {$490.00} XXXX : XX/XX/year>XXXX XXXX XXXX XXXX  reported Late payment/ delinquent account of = {$2200.00}
Product: Credit reporting or other personal consumer reports

Request for Immediate Removal of Specific Transaction History from Credit Report I am writing to demand the immediate removal of all transaction history, payment history, and related balance information for my DISCOVER BANK account tradeline, as currently reported by XXXX and XXXX. This request is grounded on multiple violations of my privacy rights as protected under various federal laws and regulations. 
Firstly, the reporting of my personal financial information contravenes the Privacy Act of 1974, which safeguards personal data against unauthorized disclosures. Secondly, 12 CFR 1022 ( Regulation V ) mandates the protection, proper disposal, and accuracy of consumer information, which your records have failed to uphold in my case.

Additionally, the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 and 1681 ( b ), requires consumer reporting agencies to ensure that all data reported is accurate, verified, and disclosed solely for permissible purposes with the explicit written consent of the consumer, which I have not granted. 
The XXXX XXXX ( XXXX ), particularly sections 6801 through 6805, further underscores the obligation of financial institutions to protect the privacy and security of consumer non-public personal information. It explicitly states that any identifiable financial information, which originates from a transaction, or any service provided, should not be disclosed without explicit written consent which I have not given.

Furthermore, 16 CFR 313 and 313.7 outline the regulations for the privacy of consumer financial information and affirm a consumers right to opt out of information sharing. These sections provide me the authority to request the cessation of information reporting as has been improperly handled in my case. 
Given these substantial legal breaches, I insist on the prompt removal of the aforementioned information from my credit report. I expect a written confirmation and an updated credit report showing this removal within 30 days of receipt of this letter. Please be advised that failure to comply with these requests may compel me to take further legal action to protect my rights and privacy.
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 inaccurate. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX Balance : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXX XXXXBalance : {$110.00} XXXX XXXX XXXXBalance : {$0.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX XXXX  ( Original Creditor : XXXX  XXXX ) XXXX Balance : {$64.00} XXXX XXXXBalance : {$0.00} DEPTEDXXXX XXXXBalance : {$0.00} DEPTEDXXXX XXXXBalance : {$0.00} DEPTEDXXXX  XXXXBalance : {$0.00} DEPTEDXXXX  XXXXBalance : {$0.00}
Product: Debt collection

This debt was paid and still reported by XXXX. I ca n't even fond aeay to contact collectir to try snd settle, even though I dont owe, I want it to go away and am willing to do whatever.. Inclufing settling!!
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding my recent interactions with TransUnion 's customer service representatives, specifically with XXXX from the XXXX XXXX XXXX  and XXXX XXXX from the XXXX XXXX XXXX 

On XX/XX/year>, I contacted TransUnion to address an issue related to my credit profile. During this interaction, XXXX refused to provide his first and last name, which I believe is necessary for accountability and transparency in customer service. Furthermore, he was uncooperative in assisting me with my request. 

My experience with XXXX XXXX, who identified herself as a supervisor in the XXXX XXXX XXXX, was equally frustrating. She made the process of submitting a complaint exceptionally difficult and refused to access my credit profile despite my legitimate request. 

I find this lack of cooperation and transparency unacceptable, especially from a leading credit bureau. As a consumer, I expect a certain level of professionalism and assistance when dealing with issues related to my credit information. 

I request that you investigate these incidents and take appropriate action to ensure that other customers do not have to endure similar experiences. Additionally, I would appreciate it if my original request could be addressed promptly and effectively. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX UCC 1-308 Reserves all rights
Product: Debt collection

I am submitting this complaint against LVNV who has violated the FDCPA in their debt collection tactics which has damaged my credit reputation.
Product: Debt collection

The company LVNV funding LLC began on XX/XX/year> charging a debt of {$150.00} that I did not incur.
Product: Credit card or prepaid card

Macy 's has moved everyone to opening an XXXX XXXX Macy 's card but sold it as if it was just a new account to go with the already existing account I had with Macy 's. I have had a Macy 's credit card for years, they promoted this XXXX XXXX account I did not want but signed up with for the discount. I paid this account in full after opening it. Each time I would return to Macy 's to make an additional purchase I would ask to use my Macy 's account for the charge, I specifically said my exisiting Macy 's account. I did not realize they were making these charges to the XXXX XXXX account as I did not ask for that. I would receive text messages telling me the account was past due and to click a link, when I clicked the link they directed me to my Macy 's account showing I did not owe in fact Macy 's is carrying a balance they owe me. Now I find out by monitoring my credit this balance was for the XXXX XXXX card that never showed up on this link I would check to pay it off. Now I am showing negative payment history on my credit. I called this evening to pay off the balance, the person on the line did not understand the impact to my credit as they are not in the XXXX and when I asked for a XXXX representative they said that person was not available. These creditors are ruining our credit and collecting fees that are not appropriate as they rack up this income then tell us didn't we read the legal information but who has the time to when they are pushing a card on you at the time of your purchase. This is getting ridiculous and I now understand why nobody wants to take these credit cards as they will just ruin your credit and rack up additional fees. I paid the card in full tonight but the damage to my credit is not corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law.
Product: Vehicle loan or lease

When we first set up addition Principal payments with capital one auto they were told to apply my additional weekly payments and any other additional payments to principal. The total additional amount now exceeds {$2800.00}. My regular payments of {$290.00} were received by auto payments starting with the first payment On XXXX XXXX. Payment due date is on the XXXX of the month. The Capital one website is very deceiving when reviewing your payments. It appears at first glance your payments are received. However, it wasnt until I reviewed the balance more closely and realized the principal balance they reflected was higher than what I calculated. I made the first phone call in early XXXX and my last phone call XX/XX/XXXX, with no satisfaction. Capital One will only go back 3 months to adjust my principal. After 2 months of no resolutions and going to the office of the president, not only are they refusing to adjust my principal balance from the first additional payment on XX/XX/XXXX, they have NOT reflected any additional payments the past 2 months from my initial phone call in XXXX, I was informed future payments would be just an applied correctly. If capital one uses there excuses for additional payments to be applied to both principal and interest this is millions of dollars they are robbing from American people every year. They have robbed me of my financial goals of paying off my loan earlier and with less interest. As a retired loan officer Ive seen the negative impact Capital one has done to my clients, I vowed to myself NEVER to use Capital One, however, and unfortunately, the dealership I purchased our car through gave no option other than capital one. Capital one will state additional payments should be done through their online process and if received directly from the customer or a bill pay account other than capital one the additional payments would not be able to be applied towards principle. THIS IS NOT ACCEPTABLE! I ask for my additional payments be applied to principal balance and I was never told it would be a problem. Therefore, Capital One was negligent by not initially informing me. They truly make it impossible to add additional payments to your principal. I ask that you stop Capital One from taking advantage of additional principal payments especially when they receive the monthly payment, it SHOULD BE the consumers right to apply to principal, especially when it was directed. Please resolve this by getting my additional payments towards the principal. Thank you, XXXX
Product: Debt collection

Caine & Weiner has again reported incorrect, untrue, a debt collection from who knows when and who knows where in the amount of {$94.00} on the consumer profile of XXXX XXXX XXXX, requests have been made as to the authenticity of alleged debt, evidence of any sort and capacity demonstrating a relationship of financial obligation and to this moment none has been produced. 
I am stating I will NOT PAY THIS debt as it is not a debt that is valid and better yet truthful. Caine & Weiner has intentionally been reporting this debt collection and doing so in an unsavory manner. 
This is a violation of my copyright trademark I have for my name as I am a business & corporation and this has caused damages financially, reputationally, as well as professionally. 
Each violation is a fine amount of {$250000.00} Remove this false un-owed debt immediately. 
.
Product: Debt collection

I was offered a settlement amount by AMEX and paid it on XX/XX/2020. This was settled directly with them, not a collection outfit Rather than report it as settled, they restarted the clock and reported the case as a new charge off. I was very clear in asking about how this would be reported. Now they have alluded that I could pay the rest to report it as settled in full even though their letter states they would not try and collect the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about my XXXX XXXX credit card account ending in XXXX I spoke with a representative in XX/XX/XXXX about my account because the schedule payment had failed, causing this account to fall behind. I updated the bank account, and have make {$300.00} payments every two weeks for 2 payments now, in order to catch the account up. 

I would like the account status changed to Current ; as well as the late payments removed as a courtesy as discussed on my call with an account specialist in XX/XX/XXXX. The phone number the call took place on was from my cell ( XXXX ) XXXX which could be seen in records if research is done. 

The late fees themselves were also supposed to be removed and I've yet to see that reflected on my account summary. 

Thanks for getting this sorted out.
Product: Debt collection

The company is reporting that i had service with a XXXX, which i explained to them i never had the service and my identity was stolen. The amount they are harassing me for is {$190.00}. Company name is convergent outsourcing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX
Product: Mortgage

I am submitting this complaint against Nationstar Mortgage LLC XXXX Mr. Cooper for multiple violations of the Real Estate Settlement Procedures Act ( RESPA ), including illegal dual tracking, failure to properly respond to qualified written requests ( QWRs ), and improper application of fees. Additionally, Mr. Cooper has blatantly violated the automatic stay under U.S. Bankruptcy Law by proceeding with the foreclosure and sale of my home despite my bankruptcy filing. please see attached
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion 's web site lacked clarity and lead me to enroll in a credit monitoring membership service I never intended to enroll in. It is was not clear and obvious on the web site that that by freezing my credit report I was agreeing to a free monitoring service followed by a mandatory paid membership to a credit reporting service. Another unfortunate business practice is that I was not sent an email informing me of the specific start date of the paid membership. I only found out about membership fee by accessing my monthly credit card statement on XXXX, XXXX. I immediately cancelled my membership but was charged for the membership until XX/XX/XXXX without a refund. Thus, I am being charged for XXXX  days of monitoring past my cancelling date!
Product: Student loan

I attended XXXX University for 6 months I started XX/XX/XXXX- XX/XX/XXXX. the loan that I am concerned about is through US DEPT . OF EDUCATIONGL. 
i have a student debt for XXXX. I don't believe this balance is accurate.i have. tried to call them and ask them to go over the loan and the requested date. XXXX UNIVERSITY was under investigation or student loan fraud. I have placed the amount into forbearance until I can get to the bottom on this loan.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, which was surprising during my usual check. Refreshing my browser didn't fix it. I need the documents I've submitted to be examined carefully to ensure this problem is permanently resolved.
Product: Debt collection

On XX/XX/XXXX I received a phone call from The Law Office of Quinn M Kofford about medical debt that I allegedly owed. During that phone call, I was not once informed or told that I had a right to request validation of the debt and was threatened to be sued and garnished of up to 25 % of my wages. 

On XX/XX/XXXX I mailed a request of debt validation to them and was responded to with a court summons served to me only 10 days later. 
I wasnt provided with any form validation that I owed this debt. 
I was then mailed papers that they claim is validation of debt. These papers contained medical bills but no actual proof or reasoning that these bills were mine. There was one paper that did have a signature on it, but that signature was not mine.

During this time the collector continued to call me even though I had initiated a dispute with them and the credit reporting agency, in turn violating one of my consumer rights. 

I then had to file a motion to set aside judgement to the court and was granted the motion. 

The law office has still not provided me with any proof that this is my debt, or that the claims were submitted to my insurance if they are mine. 

They have violated many of my rights as a consumer and are actively trying to sue and collect on a debt THAT IS NOT MINE! 

This company is predatory and they need to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX
Product: Checking or savings account

The company XXXX XXXX XXXX made me believe I was speaking with the department of education about a loan forgiveness program. They were able to access my loan details as well as change the password of my student loan account without me giving any information. They asked for payment information in order to start the relief program. I was charged for 2 payments of XXXX. When I found out it wasn't the department of education I canceled it immediately. However, XXXX  would not refund the charges. I contacted my bank and they told me they are unable to do anything about the charges and I would have to work with the company that made them.
Product: Money transfer, virtual currency, or money service

I had a citizens account that was inactive for around 2 months and they closed it without notice. As I wasn't aware of the account closure I sent myself a quick pay on XX/XX/2023 from my XXXX  account to that account in the amount of {$40.00} I right away got a bounce back that it was canceled but with out a reason, so I tried again and it went through. Now when I tried logging in to my citizens account I saw that it was closed due to inactivity and I have no way to access those funds. I reached out to XXXX and they told me that the XXXX  was processed on their end and the receiving bank accepted it so I need to call citizens. As I called them they told me that they never received it and that my account is closed so they can't help me. Now, I filled already a complaint through CFBP to which they responded that all do they received the money they will not release it to me, when I tried to replying the complaint was mistakenly closed as satisfied, but indeed I never saw my money back. 

Update : Citizens said that I need to claim my money from XXXX, so I opened a CFBP claim with them, but they now confirmed to me that they processed this transaction. And therefore, Citizens is the onw that holds my money currently and is the one that should refund it to me. Please see below detailed response from XXXX. 

Thank you for expressing your concerns to the Consumer Financial Protection Bureau. We appreciate you allowing us the opportunity to research this matter. We completed our review and the details of our response are below. We reviewed your claim for the {$40.00} XXXX transfer sent from your account on XX/XX/2023. The claim was denied because the XXXX transfer was processed correctly based on the information you entered. After further review, our decision to deny the claim remains unchanged. You will need to work with the other bank who received the funds to resolve the matter. The claim was closed in XX/XX/2023 and is not eligible for reassertion since it has been more than 90 days and too much time has passed. The agreement between us is that You agree that you, not we or XXXX, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using the service. You can learn more in the Digital Service Agreement and in the XXXX Service Agreement. You accepted the agreement when you enrolled in the service. You can see the current agreement by signing into your account at XXXX