23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

My name is XXXX and I have been doing transactions for many years now through XXXX ; XXXX and YESTERDAY TRIED RIA MONEY TRANSFER AND WAS CANCLED LAST NIGHT AT XXXX.. I did not have any problems up until last week. I am surprised I ca n't send money to a family friend that needs and I have been able to do transactions in the past and suddenly ca n't do any now and need your help to lift my name and clear it out of this mess. I have confidence in this person and know him very well so he is not a stranger. The main issue here is all these transfer companies have been cancelling my transaction .Please have these companies lift the ban of American 's sending money overseas because I have family and relatives including friends that need my support and it is not fair shutting down favors and besides I think it 's an infringement to your fundamental human right which they should n't allow. I might have to take legal action against your Consumer Financial Protection Bureau. This ban is not only affecting me but lots of Americans that do money transfers and are not able to help their families and friends to send for special occasions money overseas as well. It is not just me having the problem ... ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Bought XXXX XXXX XXXX in XXXX and finance through Capital one finance, reporting all my payments late which is untrue ... also repossessed my car after 3 days being late XX/XX/XXXX after me calling them that family member is ill.Car was taken at XXXX XXXX and they wrote on report it was taken at XXXXXXXX XXXX  so they could get extra day storage. next day paid all fee. at storage yard .paid cash .I want to get my license from parents car they had automatic lock on door and wouldn't let me out for 15 minutes. 
I just was looking at credit report, have look at for over 6 years and saw this Neg, marks that I was late on all payment which is untrue, I was give a refund check which the put stop payment and effect my bank account, I over paid just to get my car out and want these neg off credit reporting companies. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX  XXXX acct XXXX XXXX, XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX  XXXX BANKRUPTCY XXXX ref # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Capital One auto loan account was discharged in bankruptcy and the vehicle was surrendered in XX/XX/XXXX. I tried to have this account report as closed in XX/XX/XXXX. Capital One then placed a negative payment history on my record for XX/XX/XXXX, which dropped my score by XXXX points, for an account that should have been closed over two years ago. The account now shows closed with XXXX and XXXX. It is still reporting as open with XXXX. Please remove the recent negative payment from XX/XX/XXXX and ensure the account is showing closed under all credit bureaus. Thanks.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit score and seen I had fraudulent activity on my credit report. These hard inquiries are not mine and is reporting inaccurately and is hurting my ability to obtain credit. I need them removed Please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

I am filing this complaint due to Clover 's refusal to release an {$800.00} refund that I processed through their system. Despite repeated attempts to contact Clover for assistance, they have blocked my emails, preventing me from further communication. I also filed a complaint with the XXXX XXXX XXXX which remains unanswered.XXXXAt this point, if the matter is not promptly resolved, I will need to explore outside legal options and consider reaching out to my local news station and sharing my experience on social media. 

Thank you for your attention to this matter, and I look forward to your prompt response.
Product: Mortgage

In XXXX we purchased a home with a FHA Mortgage Loan. 
in XXXX XXXX we filed chapter XXXX Bankruptcy because we could no longer afford the home due to employment loss/ employer reduction. 
we were discharged on XXXX XXXX, XXXX. 
the home of XXXX XXXX tx XXXX later went info foreclosure on XXXX XXXX, XXXX. 
we are being given the run around by mortgage lenders and bank of america customer service. 
we cant pass caivrs during underwriting for a new home loan whether it is conventional or FHA. 

we filed for bankruptcy because of a situation that was out of our control. we qualified for bankruptcy because of that same reason. the bankruptcy included the home in XXXX XXXX, TX. the discharge clearly states we were not responsible for the mortgage loan any farther and to not make any payments towards it. no clear dates have been given regarding why it took the bank over a year to foreclosure. OR why we are responsible for the foreclosure if it happened after the discharge. please provide dates and why we are being penalize by this foreclosure. our credit shows the bankruptcy only and other than that our credit is in great standing. we are unable to get a home and there needs to be a clear explanation why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to remove a credit freeze from Experian. My creditor needs the information however there is no process that allows me to do that in a reasonable time. I can place a freeze immeidately online or by phone, but can not remove it except my mail and they state it will take 10 days. This is unacceptable. 

They have an online form but the security questions they ask before submitting are garbled and the answers are cutoff so it is impossible to tell what the correct answers are. This is ironic because they verify my identity to log in to my account with them where i have access to more sensitive information than blocking or blocking a credit freeze. 

There is no one to reach by phone, email, or chat box in order to help with my situation. The only repose I get from Experian is to pay for a subscription. 

This is damaging my ability to remain in business if I can not get the credit freeze lifted in a reasonable time. Can someone help with this issue?
Product: Debt collection

The complaint is against XXXX XXXX XXXX ... .XXXX XXXX made a call to my current employer on XX/XX/2019 and spoke with someone in HR in lengths about an alleged debt ... .they told the HR person all about the alleged debt I may owe ... XXXX XXXX made it seem as if I was going to jail behind this debt..They told the person in HR that if I didn't contact them then I will be going to court for the alleged debt. XXXX XXXX XXXX   then stated to the HR person the amount and court fees if they don't get in contact with me ... Not only did the person in HR was told this ... but someone else was in her office and she had XXXX XXXX  on speaker phone so another employee heard all of this to ... XXXX XXXX XXXX  even went as far as asking HR could they send a certified letter to my job for someone to sign for..I work at night so it would be impossible for me to sign for a certified letter.which in turn means anyone can/would sign for further exposing this alleged debt to unknown persons other than myself XXXX XXXX XXXX also stated since they don't have my address they are going to send a certified letter to my job ... The HR personnel was so worried after the phone call she texted me a message in this regard.. I do have that text message saved also. I've at the same address for 17yrs ... I called the number left XXXX/ case number XXXX to see what this was all about on XX/XX/2019 ... ..The representative of XXXX XXXX told me if I didn't pay then it would cost me XXXX in legal fees plus alleged debit of XXXX ( + ) if I didn't pay ... .He made it seem as if court documents had already been filed when no paperwork was filed for a case in court .... I asked for a debt validation letter but have not received it as of this date .... XX/XX/2019 ....
Product: Credit reporting or other personal consumer reports

On XXXX I was involved in an auto accident in which I was traveling uphill. The vehicle I was driving was a cXXXX XXXX XXXXXXXX carrying app XXXX lbs. While driving uphill the vehicle slowed down due to weight to a speed of approximately XXXX. I applied the emergency hazard flashers to warn any drivers behind me of my low speed. I was then struck from behind by a Gas Tractor trailer. Currently as of today first advantage after doing a background check has noticed a accident on my dmvr. The accident I was involved in was totally unavoidable and I would like to place an appeal.
Product: Mortgage

After Hurricane Ida, my loan was automatically put into forbearance which I did not ask for. When this happened, it made the online payment option unavailable to me. The pay-by-phone method is also not available to me as I am told my loan account number is invalid. This puts an undue burden on me and has made paying my loan extremely difficult. It has also resulted in late payments. I should be able to easily pay my loan online or by using an automated phone system just like every other customer. The only option I have is to call and try to speak to a live person which can take a long time due to high call volumes and hold times. For four months, I have been calling Carrington Mortgage about this and it is still not resolved. I feel like this is a strategy used to make the payment process difficult resulting in late fees. 

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

On XX/XX/XXXX I attempted to enroll for a one week trial of Equifax for my credit reports for one dollar. The process did not work out online and I was told to call an agent. I spoke with an agent who advised me the service cost {$19.00} but I confirmed multiple times that I was only being billed one dollar for the week trial first. I spoke to a supervisor on XX/XX/XXXX and gave them this information. The agent on XX/XX/XXXX had sent me an email saying I was being billed {$19.00} that I did not open and I was informed about today by the supervisor. The supervisor says that because I was sent that email he can not refund the {$19.00}. I stressed to him repeatedly but I never agreed to pay {$19.00} and that I confirmed with the agent multiple times that I only needed to pay XXXX XXXX  now and {$19.00} if I didnt cancel within a week. The supervisor refused to listen to a recording of the interaction that would have confirmed my statements. The supervisor refused to refund the money that was effectively stolen from me. I demand a lot more trust out of our credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$0.00}, {$0.00}, {$230.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  XXXX  with ACCT # XXXX  opened onXX/XX/XXXX with a balance of {$1700.00} -This is not my account.

2. XXXX  XXXX  XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. XXXX/XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- OTHER ACCOUNT 4. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$230.00} -This is not my account.
Product: Debt or credit management

I called and tried to talk to them and they were just very negative and nasty. I never had this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

All roads lead to the https : //www.annualcreditreport.com. When I went to the site I entered all the information, and it rejected my request and told me to use the Mail Request Form. Unfortunately, I can not find the Mail Request Form, so I am effectively blocked from requesting my " free '' annual credit report. Since Oregon XXXX has been hacked and apparently anybody with a driver 's license has had all information stolen, I need to check my credit reports.
Product: Debt collection

Do not know what this phone call is all about. Some gentleman called and asked for an old last name of mines and stated that he was from XXXX I, immediately, went online and could not find this company. I do not have any outstanding debts. I called back and spoke to an XXXX woman who was being evasive and asked for my social security number-I refused. She stated there was not an issue and that the manager must have deleted my name from the file. Very strange phone call.
Product: Mortgage

My wife and I purchased a home through the XXXX XXXX XXXX XXXX. We closed on that home on XXXX XXXX, 2017 less than ( 1 ) month ago, during the inspection process there were issues discovered and the seller through their listing agent a licensed realtor of XXXX, the property is located at XXXX XXXX XXXX, XXXX MD. XXXX. the problem we are having is that during the home inspection the inspector noticed water damage in the ceiling of the main bathroom. The seller through the listing agent working with our licensed realtor XXXX XXXX XXXX agreed in writing to fix the problems. As a result of more recent rains the ceiling in the main bathroom is unsafe and unusable. All attempts to have the problem fixed have resulted in further delays and excuses. Pictures of the damage have been sent to XXXX XXXX XXXX the listing agent for my wife and I and that represented us the XXXX family through the process. The information I have for the Realtor is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Thank You for your assistance. This is n't a complaint against First Home Mortgage, rather against the listing agent and seller of XXXX.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Current Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charged Off XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX  XXXX XX/XX/XXXX {$7900.00} XXXX XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$140.00} XXXX  XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$7900.00} XXXX  XXXX XXXX XX/XX/XXXX {$6200.00} Late Payment XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XXXX  XX/XX/XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a certified pre-owned vehicle from my closest Toyota dealership. At that time, I purchased a 7-year extended warranty Vehicle Service Agreement offered to me for Mechanical Breakdown. Within the 30-day full refund window, I decided I no longer wanted the warranty and called the Toyota dealership . They told me the financial manager was on vacation, a form needed to be signed in person to cancel and that I would receive a call to schedule an appointment. I did not receive a call and followed up, and was not able to receive an appointment in person with the financial manager until XX/XX/XXXX, two months after my vehicle purchase date. Therefore, I was no longer in the 30-day full refund window for the warranty, and would receive a pro-rated refund. In the meeting, I signed and dated the Agreement Cancellation Request, along with the Toyota Financial Manager, and made sure to receive a copy of the paperwork. I was told this would be faxed to Toyota Financial Services and would see the refund reflected to my principal balance in my online account.

This never happened and I called repeatedly both the dealership and Toyota Financial Services only to be either promised a call back or waiting on customer service lines only to be redirected to another service line with Toyota.

All the while, making my payments on time and paying interest for two years on a balance that did not reflect my warranty refund that I repeatedly asked to cancel since XXXX 

Finally, in XX/XX/XXXX, I was able to connect with a customer service representative via a submitted claim at the dealership who told me that too much time had passed for them to help me and that I would have to go through Toyota Financial Services. I spent countless hours on the phone with Toyota Financial Services and was finally told that I could send a fax of the copy of the paperwork to receive a refund from the time the paperwork is dated, XX/XX/XXXX. 

I was told that this could take up to 30 days to process, and I will therefore have another payment in this waiting period where I will pay more in interest due to the balance not reflecting the appropriate amount with my cancellation. Toyota told me they would not reimburse me for this.
Product: Money transfers

Key bank took over First Niagara Bank is XXXX, Pa. Yesterday I did on online transfer of {$3000.00} from my checking account to pay down my line of credit. The money was immediately deducted from my checking account. 24 hours later XX/XX/2016 at XXXX the money is gone from my checking account and not applied to me LOC. When I finally got someone on the phone she first told me there is a day or two delay in transfers. I told her that was incorrect and most likely illegal. She put me on hold and said a memo just came through and I would have my money applied to me LOC by XXXX tonight. If the bank is doing this nationally they are reducing the interest they are paying on accounts by deducting funds from checking accounts and increasing their interest income on LOC accounts by not applying funds.
Product: Credit reporting or other personal consumer reports

Transunion received a dispute regarding a XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX is being reported inaccurately in my name. According to 5 USC 1681 e ( b ) Use of notice without submitting negative information. Violation of this Code resulted in inaccurate reporting on my Transunion credit report.

USC 1681b 2a I did not give written instruction for the consumer reporting agency Transunion to report any transactions concerning my consumer report.

This complaint also serves as an official dispute against Transunion reporting inaccurately on my credit report.
Product: Money transfer, virtual currency, or money service

Missed money and account balance from transaction I dont make
Product: Mortgage

For the last several years I have been late on my mortgage payment. Every month I faithfully paid a {$28.00} late charge. This was accessed as the payment was over 15 days late, which I paid.

I recently brought the loan current, however, the late charge was continued because WF claims it is now accessed from the first day of the month in which the payment was due.

The Financial Note ( Page 2 ) clearly states the late charge is accessed 15 days from the first of the month the payment is due. This is a financial contract, corner stone of the mortgage and can not be changed.

Please answer, why even bring the loan current?
Product: Credit reporting or other personal consumer reports

At the end of year XXXX I did summit a dispute to reinvestigate with the three credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the three credit bureaus, for example on XX/XX/XXXX XXXX report XXXX XXXX, XXXX on tima and Experian on time. XXXX report account on time on months XXXX, XXXX and XXXX when Experian and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between three credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''
Product: Debt collection

I contacted Security Collection Agency # XXXX to resolve a collection of debt for a dental bill, I paid the bill in full with the understand that they would report it as paid in full and never received a paid in full receipt. I was told I can dispute the debt with the credit reporting agencies and that the debt could be removed. The debt current has not be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After perusing my credit profile and series of corresponding, I had noticed so many discrepancies/inaccurate/error reports on my credit profile account. 
This has greatly violated my right under fair credit act 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And not limited to 15 U.S. Code 1681c I request that all these accounts be deleted from my credit file.
Product: Money transfer, virtual currency, or money service

I am writing to formally 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to detect consumers but had also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety