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

On XX/XX/XXXX I send a transfer to my mother in XXXX with Reference Number XXXX. Moneygram ( MG ) often changes their website and options to send funds. When I logged on, the pricing and transfer way structures were different and it prompted me to select which bank I wanted the money to be picked up at before sending the transfer. The two options available were XXXX XXXX XXXX and XXXX XXXX. After consulting with my mother, I sent it to XXXX XXXX XXXX. The money was available immediately according to MG email. My mother went to receive the funds the next day but according to the bank teller no funds were available at that number. I reached out to MG and they told me the money was available and that she should now try another bank. She did but the funds were not available there too. MG was no help and continued to insist that the funds were available. My mother went every single business day to check but the funds weren't available up until Tuesday XX/XX/XXXX. The funds were now available, however the teller told my mom that the bank wouldn't give out money from transaction with purpose of funds as Gift or Bills. When I sent the funds, I always selected Bills, because I send money so that my mother can pay her bills. MG didn't inform me of this regulation at this particular bank or if new regulation of the country. I have always sent money for Bills prior to this and never had an issue. MG said there is no way to change the purpose of transfer except to cancel the transaction and submit again. However the fee of {$8.00} will not be refunded and I will have to pay a new fee, now {$9.00} to send another transfer. Basically robbing me of a fee and raising it just to resubmit the same transfer that they failed to process on same day as promised and failed to deliver at all because of a technicality allowed by their website/system. I asked to raise a complaint with number XXXX, but they said it will take up to 90 days for it to be reviewed, which is egregious.
Product: Debt collection

This company is calling 8-10 's a day using robocallers that do not leave a voicemail, however there is always a rising or tail tone message left. There is no identification of the business in any messages and there is always 5 calls that are done through number spoofing. When trying to contact this business back, unless they're calling from the number attached onto this form, there is instantaneous answering of the call and the company does not identify itself as a collection agency. The company does not comply when asking what type of business they are and they demand a yes or no verbatim in order to even learn about who they are. They have been calling and abusing my home phone number for over a year and with no end morning, noon, and night. I have not gotten a single piece of physical mail from this company and believe it to be a scam.
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 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 complaints
Product: Credit reporting, credit repair services, or other personal consumer reports

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 fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit card or prepaid card

My daughter XXXX XXXX was diagnosed with XXXX XXXX and was advised by her doctor not to travel by airplane. Her airplane ticket, airport transfer and hotel reservation are not refundable.I claim her airline ticket cost and hotel stay that should be covered by the Chase Saphire Preferred credit card Trip Cancellation/Interruption benefit Claim Number : XXXX All paperwork was submitted multiple times and it had been more than 3 months since I opened the claim. I keep being asked for more and more documents. ( up to 15 now instead of original 4 ). Thus far, only received partial reimbursement for the airline ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

1. Identity Theft SYNCB/PAYPAL Date of inquiry : XX/XX/2019 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

We leased a new BMW with XXXX BMW in XX/XX/XXXX. We have leased many cars from BMW in the past. Every car we have leased comes with the free scheduled maintenance for the duration of the lease, in this particular case, three years. We were never told otherwise at the dealership. Recently on XX/XX/XXXX, I brought my car into BMW XXXX, XXXX XXXX for an oil change which is covered by the lease maintenance but was charged XXXX for the oil change. I asked the service advisor to clarify and he stated it was a recent change in BMW dealerships. I asked him why would this affect me if this was not disclosed at time of lease but there was nothing he could do about the charge. I unhappily paid the charge and contacted BMW North America. I emailed and got a response stating this was always BMW 's policy as to which I responded then why would the service advisor tell me this was a recent change. BMW then contacted me by phone and left a voicemail to call them back. I have called back twice and left messages for XXXX, the escalations rep at BMW that contacted but have not heard back. I should not have to pay for something that was not disclosed at time of lease. I interpret this as less than an honest way to do business. They do not return my calls in hopes I do not go through the trouble to follow up. But here I am taking time out of my schedule to file a complaint.
Product: Mortgage

Foreclosure occurred while a active loan modification was in effect. Specialized Loan Servicing LLC failed to comply with civil code XXXX. The California Homeowners bill of rights states:Restriction on dual track foreclosure: Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. And my modification was not fully reviewed at the time of the sale. The Homeowner Bill of Rights banned the dual-tracking of foreclosures. This means loan servicers must make a decision to grant or deny a XXXX lien loan modification application before starting or continuing the foreclosure process. Even if the lender denies the loan modification, it still cannot foreclose until any applicable appeals period has expired (this is generally XXXX days from the date of the written denial). See attachments for proof. Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. I had always left message to my single point of contact XXXX but never got a call back, I had always needed to talk to any customer service. Homeowners Have the Right to Sue for Violations Homeowners may sue the lender or servicer for violations of the California Homeowner Bill of Rights. Potential relief includes: injunctive relief, such as a halt to the foreclosure sale (if the foreclosure sale hasn't happened yet), or actual economic damages if the foreclosure sale has already occurred. In addition, if the court finds that the violation was intentional, reckless, or resulted from willful misconduct by a loan servicer or lender, the court may award the borrower the greater of treble actual damages or statutory damages of $XXXX.
Product: Money transfer, virtual currency, or money service

I AM filing a complaint against CashApp ( block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 requiremtns 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 resolutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to experian explaining that I am unfamiliar with this account I suspect fraud and under the fair credit reporting act experian must verify within the confines of the law.
Product: Credit reporting or other personal consumer reports

I want to amend information acquired on my report for employment. First Date of my residency in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX is XX/XX/XXXX XXXX XX/XX/XXXX. I lived with my uncle there and his deceased wife 's nephew. Sometime in early XXXX, my uncle got married. I lived there for long years and visited my cousin and his family during holidays or sleepover who also lived in XXXX, XXXX. 

I left XXXX  to visit my father and sisters after XXXX XXXX 's day. XXXX since XX/XX/XXXX. I work here in XXXX  and acquired American citizenship through Naturalization. I passed the exam and took an Oath of Allegiance the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint, this complaint is due to the new fraud item on my report. I'm not using any third party for this matter. I'm victim of identity theft, someone has applied on my behalf for credits, this inquiry I have never authorized : XXXX Inquiry : XX/XX/2023. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry waw made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Please remove this fraud item from my report as soon as possible.
Product: Student loan

I have received multiple emails from the U.S. Department of Education regarding action needed for missed payments on my federal student loans. AidVantage, the loan servicing company has not responded to any of my inquiries into this issue. I have not missed any payments, nor does the account page I have access to through AidVantage show any delinquencies. I need to have assurance that no action is necessary on my part to avoid false reports on my credit history. This is total incompetence on AidVantages part and is totally inexcusable.
Product: Debt collection

Exeter Finance has an auto loan on my report that was opened XXXX XXXX in the amount of {$15000.00}, I have not authorized or initiated to apply for credit with this company i have contacted them numerous of times about this negative account and also mentioned i believe it was an act initiated at the start of the XXXX  epidemic and now i am suffering because of it. 

XXXX XXXX XXXX has an auto loan on my report that was opened XXXX XXXX in the amount of {$14000.00}, I have not authorized or initiated to apply for credit with this company. 

XXXX XXXX XXXX XXXX has a telephone account reporting on my report that is in collections for an amount of {$270.00} that i have not initiated or authorized for credit with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is XXXX XXXX with XXXX XXXX for XXXX and the second creditor receivables management for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my XXXX report XXXX. It 's also on my XXXX report under XXXX XXXX for XXXX and XXXX report under XXXX XXXX for XXXX. This account was supposed to had been removed and now keeps appearing.
Product: Debt collection

I've contacted on numerous occasions. In the appropriate time of repossession. All I ask of the company is to provide documentation of sell of vehicle and amount of my loan that was paid off 3 months early. Spoke with company on multiple occasions of Pay out for vehicle. I was provided a different amount from whats on my credit, what was reported for pay out to numerous of other dealership companies when I was looking to trade for a working car because the car broke down months prior to turning over the vehicle. After turning the over vehicle, company could not provide me any documentation of sell nor why my pay out is different after received. A dealership called on my behalf on XX/XX/2022 regarding payout for the vehicle and was quoted remaining balance was {$4600.00}. After vehicle was sold at auction is when the remaining balance went back to almost {$10000.00}. The regular amount paid for vehicle. Contact company on multiple occasions regarding the increase balance and request the documentation for account before account appear on my credit report and before turning into a charge off.. Company refused to provide information I am requesting, and Defamation of my character numerous of times. To where I am feeling threatened by the company for requesting the validation of debt. Company has taking to threat to sue me in small claims because I am not answering calls and company refused to abide to my only certified mail contact. I am at the point where I don't know what to do if I can not get the company to respond. And when company finally do is threatened to sue for more money and pull debt amount. And all I am doing and been trying to do is resolve this matter easily and quickly as possible but company refuses all attempts. Recent letter sent to company is attached due to company has Defamation of my character numerous times. Response letter from company is attached as well
Product: Credit card

I received in the mail an unsolicited credit card in my deceased husband 's name, at the address of the family farm for XXXX XXXX Preferred Card with a {$500000.00} available credit. Only tele-phone number is to activate card ( XXXX ), same with email address ( XXXX ). I could only find on the computer an address for this company that seems to be a fake -- in California. From internet research this is a scam which previously had slightly different company name and an address in AZ. I want to be certain that this company knows this card is illegal and is stopped from sending these. I am concerned about identity theft and that something awful could happen to my finances as a result of this. I want to be sure that it wo n't influence my credit score or reporting. The letter that came with the card has the disclaimer on the back that it is not an offer of credit, but that XXXX XXXX wants to verify financial information and credit worthiness. I want to be sure they can not access this information. It is not possible to contact the company directly since the only available phone number or address are to activate or seem to be fakes.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

A month ago Robin Hood financial froze my debit card for no reason I went to pay a bill and it didn't work they didn't respond repeated emails or didn't tell me anything so I call support and they said we'll have to forward you an email so. They sent me an email saying I needed to verify my identity there was no reason for them to do that I verified my identity with them in 2019 they even sent me a settlement for {$12000.00} without even asking for verification I've been had that account for XXXX  years. I didn't have a physical ID so I told him to have to wait until I went to the XXXX to get one and I needed my money really bad my rent was due and my phone bill so I went to the XXXX went a couple weeks but before that I sent them my birth certificate my tax return my XXXX XXXX XXXX  bill and a picture of my ID. So my new ID and new social come in the mail and I immediately take a picture of the front and the back and then take a picture of the ID next to my face and send my social security card and my ID to them to verify my identity. A week goes by and they still have my money Frozen is my last paycheck the last money I had and they're still not getting back to me so I'm emailing them again and they respond asking me for a copy of a bank statement that's connected to my account.and then they give me an account number.The account number they sent and wanted a stamens from was not the account I have connected to my Robinhood. And they said they needed that because of the unauthorized transaction that I reported. I never reported it unauthorized transaction not once, they just cut my card off and my account off and wouldn't let me withdraw money. out of the blue without letting me know for no reason at all. So now I sent him a bank statement and it's been XXXX days they're not returning my calls they're ignoring my emails. They have a way to contact them by requesting your call back I requested a call back XXXX days ago and every time I try to request another one because they're not calling back it says that the XXXX from XXXX days ago is still active so they won't leave and let me request another one so they're just not calling me back and they're not responding to any of my emails my phone bill is due my landlord is threatening eviction because some of that money that was in there I was going to for my rent. My emails now at this point they're just ignoring my emails and my calls and they won't tell me why they restricted my account it's {$2000.00} in there and I have bills to pay and it's been a month in XXXX weeks they're ruining my credit. Like I said I sent my birth certificate my social security card, my XXXX XXXX XXXX  bill, my tax return, and my id, and a picture of my ID next to my face also.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter to Equifax requesting that they remove unauthorized inquiries on my consumer report.
Product: Checking or savings account

Called PNC to connect my bank account to XXXX through XXXX and was told couldnt do it?
Product: Credit reporting

I initiated a dispute in XXXX to Equifax due to my balance and account status not being reported correctly. As of today 's date the account still is not showing my correct balance or that the account is current. On XX/XX/XXXX I spoke with XXXX at XXXX and XXXX XXXX Customer service and she advised that XX/XX/XXXX they sent the credit bureau the correct account information showing that the balance was {$180.00} and that the account was current. I was advised to contact the credit bureau by the company. On today I received notification from Equifax that their investigation has been completed with the following remarks : We have researched the credit account. Account # XXXX The results are : This creditor has verified to OUR company that the balance is being reported correctly. This creditor has verified to OUR company that the high credit/credit limit is being reported correctly. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX XXXX, XXXX MO XXXX Phone : XXXX I was advised to contact the Company by the credit bureau although they are reporting incorrect information. This should not take another 30 Day dispute as the correct information needs to be reflected on my account as this is impacting me negatively as the information is not being reported correctly after disputing with the credit bureau or contacting the company.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unsolved. Accounts Negatively affecting my credit are XXXX XXXX account # XXXX balance {$2300.00}, XXXXXXXX XXXX account # XXXX Balance {$1100.00} and XXXX XXXX XXXX account # XXXX balance {$500.00}, XXXX XXXX XXXX account # XXXX balance {$720.00} and XXXXXXXX XXXX XXXXXXXX account # XXXX and balance {$860.00} which was a result of identity thief that the report agency failed to properly investigated and provide validation of the account. FCRA section 611 ( a ) ( 1 ) ( A ) : Requires the credit reporting agency to complete an investigation when a consumer disputes an item and either confirm its accuracy or remove it. FRCA section 611 ( a ) ( 1 ) ( B ) : Mandates that if the information is found to be inaccurate or unverifiable, the agency must correct or delete it. FCRA section 611 ( a ) ( 5 ) ( B ) : Specifies that if a previously removed item is reinserted, the agency must notify the consumer within XXXX business days.
Product: Debt collection

I have made several attempts to dispute the validation with the creditor, XXXX XXXX, collection agency Receivables Performance Management in the amount of {$390.00}. This debt has not been validated by the creditor or the 3 credit bureau agencies and are still reporting this debt as being owed. I have asked for removal due to lack of verificatio of this debt with no resolve. I started my efforts in XX/XX/2017.