23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

ON XX/XX/2016 AT AROUND XXXX, I CREATED A TRANSACTION TO SEND MONEY TO SOMEONE USING MY CREDIT/DEBIT CARD. AFTER I CONTACTED WESTERN UNION AROUND XXXX TO FIND OUT THE STATUS, I WAS TOLD THAT THE FUNDS WAS PUT ON HOLD BECAUSE THERE WAS A PERSON WITH A SIMILIAR NAME THAT WAS ON SOME SORT OF SANCTION LIST. THEREFORE THEY REQUESTED THAT I FORWARD A COPY OF MY PHOTO IDENTIFICATION TO WHICH I EMAILED IMMEDIATELY. HOWEVER, MY PHOTO ID EXPIRED AND I HAVE NOT YET RECEIVED MY NEW UPDATED ID FROM THE NY DMV. I EXPLAINED THIS TO WESTERN UNION AND AFTER NUMEROUS CONVERSATIONS WITH MULTIPLE REPRESENTATIVES, I JUST ELECTED TO CANCEL THE TRANSACTION IN ITS ENTIRETY. HOWEVER, I AM NOW TOLD THAT I HAVE TO SUBMIT A VALID PHOTO ID TO RECEIVE MY MONEY BACK. HOWEVER, WESTERN UNION WITHDREW MY FUNDS FROM MY ACCOUNT WIHTOUT A VALID PHOTO ID THEREFORE THEY SHOULD RETURN MY FUNDS WITHOUT IT. FURTHERMORE, ALL OF THE REPRESENTATIVES AND SUPERVISORS THAT I SPOKE TO WERE EXTREMELY RUDE AND COMMUNICATED INFORMATION WITH ME THAT WAS INCORRECT AND MISLEADING. PARTICULARY I SPOKE WITH A SUPERVISOR ( XXXX ) AT ( XXXX ) XXXX ID # XXXX WHO TOLD ME THAT WESTERN UNION DID NOT NEED AN UPDATED PHOTO ID TO REFUND ME MY MONEY AND THAT HE WOULD PUT IN THE REQUEST AT A HIGHER LEVEL AND GET BACK TO ME ( TO WHICH HE HAS NOT ). THEN I CALLED THEIR OFFICE BACK AROUND XXXX TO FIND OUT THE STATUS AND EACH RESPRESENTATIVE AND SUPERVISOR TOLD ME THAT I NEED TO SUBMIT A VALID PHOTO ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX recently placed a collection on my credit report. They sent me an itemized list of my minor childs medical procedures from 6 1/2 years ago stating that money was owed on a medical debt. The letter did not include a HIPPA release form nor was authorization given to share my minor childs medical records. This is a clear violation of HIPPA laws and they did not produce a HIPAA release form with the itemized receipt that was mailed to me. How did they receive my minor childs health records without my permission??? Both my minor child and my HIPAA rights were violated and I demand the deletion of this debt immediately or I will take legal action.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Checking or savings account

Hello, On Thursday XX/XX/22 I was scammed into sending {$50.00} to a scammer through XXXX thinking it was a legitimate person that would send me a concert ticket in exchange. 

Unfortunately the person took my money and never sent me anything back. When I tried to call the phone number it is disconnected. I called Chase Banking the same day to report the scam and file a complaint but they are unwilling to help me since I initiated the transaction. I'm not sure where else to turn so I'm looking for help from this agency to get Chase to help me recover the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is being reported that Equifax had a massive security breach, resulting in the compromise of myriad Americans ' personal information. According to a website set up to check, I appear to be affected by this hack/compromise. As a result, I have had to pay money to place freezes on all of my credit reports. I believe that Equifax should have taken all possible actions to secure my data, along with the data of all others compromised today. I will absolutely speak with an attorney about a lawsuit in order to recover the {$30.00} I spent today freezing my reports.
Product: Credit card or prepaid card

I made a payment for the full balance of my Synchrony Bank PayPal XXXX XXXX as of XX/XX/22 ( {$3800.00} ), the money was withdrawn from my bank account at least 1 week ago as of toay, and they told me that the paymet will not reflect in my account until at least the XXXX of XXXX. In the meantime, I don't have my money in my bank, nor I can't use my card. In a nutshell, they are using my money for at least 15 days. Enclosed is the conversation with their Rep. 


Connect to Live Chat Waiting for Representative Current wait times for services with a live agent are up to 2 minutes.

Welcome to PayPal Credit Card Live Chat. Your chat will be monitored and recorded for quality purposes. A chat agent will be with you momentarily Can someone review the appliation of my last payment from XX/XX/22, it is not posted to my account, therefore I can't use my card XXXX  Hello XXXX. Thank you for contacting Synchrony Bank regarding your PayPal account, we appreciate your business! XXXXXXXXXXXX>My name is XXXX XXXX XXXX 

XXXX  Could you please elaborate your question? 

Can someone review the appliation of my last payment from XX/XX/22, it is not posted to my account, therefore I can't use my card XXXX  I will check that for you. 

XXXX  Could you please verify your mother 's maiden name and the 3 digits CVV code, which is behind the card? 
I made a payment on XX/XX/22 it was withdrawn from my bank account, and still not posted, I can ; t use my account XXXX  I will check that for you. 
XXXXXXXX XXXX XXXX XXXX Thank you very much for the verification. 

XXXX  Please allow me 2 - 3 minutes to access and review your account to help you better.

Sure, appreciate your help XXXX  I apologize for the delay as it is taking a little longer than expected to access your account. Please give me another 2 - 3 minutes. 

No problem XXXX  Thank you for staying online, I appreciate your patience. 

XXXX  The payment of {$3800.00} made on XX/XX/22 is on hold and will get released on XX/XX/22. Once released, the credit will be available. 

XXXX  When there are multiple payments or large payments, the payment goes on hold due to security reasons, however, once it is verified by your bank, the payment will be released. 

XXXX  Request you to wait until the payment gets released. 

ON THE XXXX XXXX  Yes. 

XXXX  Would you like me to assist you further? 

That is 15 days, without the money in my bank account, nor my credit. XXXX, I know it is not your fault, but that is unacceptable XXXX  I agree with you. 

XXXX  Since this an XXXX banking XXXX, very rarely, this issue arises, wherein there is a delay from the customers bank in verifying the payment. 

The money already left my bank account, how come Sorry my friend, I know you don't make the rules, But le your superiors know I will file a claim with the CFPB End Live Chat
Product: Mortgage

My mortgage payment was returned due to insufficient funds, being I had Fraud on my checking account and had to open a dispute with my bank.I called Carrington mortgage with no help numerous times.Just to make a new payment which I did and also showed I have disputed charges pertaining to my account for fraud.I asked to have the negative remark taken off my credit report being not due to my own fault was out of my control. After I sent Proof its being disputed for fraud which now my bank has returned funds and I showed Carrington.They said its not proof, instead of helping the customer they hurt them.I had a data breach due to Carrington so they could also be part of my fraud situation being people obtained my information from them. Terribly stressful situation they have made 10 times worst, They have numerous lawsuits all the time and I did not chose the for my mortgage and would never open and acct with them willingly, we were transferred unfortunately and nothing but problems!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bonneville Collections is reporting an account on my credit file that I have paid. I have settled this debt with Bonneville and am asking that they please remove the account from my credit file. As granted by the FDCPA, I have the right to dispute this account. I am aware that as the original furnisher you have the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt and am asking for a deletion letter. Please provide a letter that states this account should be removed from my credit file. If I don't receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Product: Debt collection

Pursuant to 15 US Code 1692, I was being harassed by XXXX XXXX XXXX with abusive, deceptive, and unfair debt collection practices. Most of which included an invasion of my privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history and demand that you investigate the accuracy of the accounts listed below : XXXX XXXX account numbeXXXX XXXX XXXX XXXX XXXX account number : XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Requested Resolution : I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments.

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Here I leave two Attachments as proof. 
Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year>
Product: Debt collection

this account is marked as a charged off as a bad debt / profit and loss write off on my credit report between XX/XX/year> and XXXX XXXX i would like the remark removed. 
There is a debt collector attempting to collect a misrepresented debt. i also never gave permission to the original creditor to share my estate name information. XXXX usc XXXX ( a ) ( XXXX ) debt can not be transferred or it is fraud predatory solicitations malfeasance. 

I am not disputing the charge-off ; however, I would like to ensure I have all necessary information for my records and for proper accounting. 

Specifically, I request the following details : Date of Delinquency : The specific date when the account became delinquent. 
Date of Charge-Off : The exact date the charge-off was recorded.

Last Payment Date : The date of the last payment made on the account.

Accounting Information : Any documentation or details related to the accounting of this charge-off, as outlined in UCC XXXX. 
Additionally, I would appreciate any information relevant to preparing a XXXX form and any other forms relevant, as this will assist me in ensuring compliance with tax obligations. 
Also i need to know how much was charged off. 


Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

[ XXXX XXXX ] has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus. 

I closed this count in XX/XX/2017 and it has yet to be reflected as such on my credit report and is still accumulating interest I Spoke to XXXX XXXX who advised our request for validation of this debt has not been received. 
at this time this debt is considered Legally noncollectable
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, 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 or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4200.00} XXXX XXXX Bankruptcy XXXX DateFiled/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I called XXXX XXXX to inquire about cell phone service rates and was told if I had an XXXX  internet/cable service I would receive a rate lower than what I was currently paying with XXXX. My landlord has my utility and cable/internet service in his name despite me being the user. I asked my landlord to put the XXXX  internet/cable service in my name so that I could take advantage of the lower cell phone rate with XXXX, but he refused. I called the representative with XXXX  that I had spoken with earlier that I would not be able to take advantage of their lower cell phone rate because I could not have the internet/ cable account in my name. I never used this service with XXXX  and never changed my current cell phone provider XXXX. However I received bills from XXXX for service I never used. I call XXXX several times and also went in person to XXXX and eventually was told the matter was resolved and I did not owe money to XXXX. However on XX/XX/24 {$770.00} showed up on my credit report as collections with Transworld Systems. I called them and explained that I never used this service and did not owe this money. Despite all of these attempts, the {$770.00} collection amount has remained on my credit report as derogatory. Thank you!
Product: Debt collection

On XX/XX/XXXX a man knocked on my door an gave me a package of Summons. 
The tittle of the summons is In The XXXX County Court In And For The State Of Washington XXXX Division- XXXX CourtHouse . 

Plaintiff, XXXX XXXX XXXX, XXXX XXXX. 
NO. Summons. Lawsuit has been started against me. Plaintiff claim is stated in the written document complaint, a copy a copy is served upon me with this Summons. 

This Summons is issued pursuant to Rule 4 of the Civil for Courts of Limited Date this  XX/XX/XXXX. From Suttell & Hammer, P.S. 
XXXX XXXX XXXX ; XXXX. WA XXXX. 

This is Electronically File on XX/XX/XXXX. XXXX XXXX County District Court. 

Current balance amount of {$17000.00}. 

XXXX XX/XX/XXXX XXXX XXXX was merged into and under the charter and file of Plaintiff effective XX/XX/XXXX. 

This collection is not mine, be cause back in XX/XX/XXXXI was the most valuable customer in XX/XX/XXXX XXXX XXXX. Also, I have no currently the owe such an amount. 

Please give an advise what to do. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX ) dispute letters were already sent to the Credit Bureaus but upon reviewing an updated Credit report I ordered from XXXX, I was taken aback to see that no changes was made at all! I am frustrated by these actions taken by the Credit Bureaus. I was a victim od identity theft and the items I am requesting to be removed were the results of such crimes. I have read enough to understand my rights which is under the protection of the FCRA section 605b. By the Credit Bureaus choice to ignore mt requests and continued reporting of the disputed items without proper verification or authentication is a cleat violation of my rights. I am rsubmitting this complaint to protect my rights and request that the Credit Bureaus remove the disputed items completely from my Credit Report as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX 13120 XXXX XXXX # XXXXXXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$270.00}
Product: Mortgage

The monthly mortgage payment process with Village Capital LLC is inefficient to say the least. I have paid my mortgage through my bill payer service with XXXX XXXX XXXX. 
Village Capital is purposely not processing the mortgage payments to then charge late fees. My payment in XXXX took 12 days to clear once received. They charged me a late fee of {$72.00}. My XXXX payment was mailed on the last day of XXXX and as of this writing, XXXX XXXX, according to the online site, have not received the payment. Trying to contact Village Capital ' customer support is impossible the last three weeks with approximately 4 hours on the waiting line and no return call made by Village Capital LLC about my payment issue. 
Village Capital & Investment, LLC XXXX XXXX XXXX XXXX, TX XXXX Customer Support XXXX XXXX