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

I made 10 payments in money gram to XXXX XXXX account and 4 of them are missing. I already talked with money gram and the XXXX XXXX  office and they said they can do anything. 

I have my receipt and I'm going to list here. 

XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX XX/XX/XXXX XXXX Reference number : XXXX Amount : {$280.00} Store : XXXX XXXX XXXX # XXXX phone number : XXXX All payment were made through Money Gram. They said the payments were made but the dates that they provided me are incongruous. 

The said that the payment on XXXX was paid the next day, the payment on XXXX was paid on XX/XX/XXXX, the payment on XXXX was paid on XX/XX/XXXX and the last payment was paid on XX/XX/XXXX. I asked why the dates are incongruous and he customer service person said that he doesn't know and that is what the system said. 

I asked were is my money then and they said that they made payments and they can do anything about it. I asked for a transaction number to talk with the XXXX XXXX office and they said they can provide this information. 

My refund from IRS was taken by them because I didn't pay. I have all my payments receipt.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To whom it may concern, I am a XXXX XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that 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 {$170.00} Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/XXXX, and this was for XXXX XXXX XXXX there was a balance and was sold to another collection agancy XXXX XXXX, I cleared XXXX XXXX XXXX payment and they told all 3 credit bureau to delete the record from my Credit report, all 3 beaureau did delete including Equifax, but only Equifax is showing one month deliquency of XXXX XXXX XXXX opened in XXXX in making payment XX/XX/XXXX, the payment to the XXXX XXXX  was paid in XX/XX/XXXX, so XXXX   XXXX XXXX is a closed account when sold to XXXX XXXX, XXXX and XXXX have deleted XXXX  XXXX data from my credit report anf history and nothing showing a deliquency, I also called XXXX XXXX XXXX to inform the beareau, they sent a letter to all 3 beaureu to delete the record that was way back from XXXX, only Equifax is not heeding to the letter from XXXX XXXX sent to them and deleting it, it ; s discrepancy, I have evidence from XXXX XXXX the letter and audit number sent to Equifax, also XXXX XXXX payment made, and not being shown in other beaureu report but only Rquifax as deliquient since XX/XX/XXXX, Please contact Equifax for fair reporting and delete the deliquency that is never delequient as mentioned by the bank as well, Equifax dispute confirmation number is XXXX dated XX/XX/XXXX, this is my second time disputing it, my credit score they dropped by 45 points on XXXX XXXX during this dispute, thay asked me to send another document with another dispute which I am not disputuing but only for send the doc as attachment, conf numberXXXX XX/XX/XXXX ( not disputing but for sending document as attachment for previous dispute XXXX as told by Equifax customer service over the phone ) ( I also currently have XXXX XXXX XXXX credit card nelwy opened since XX/XX/XXXX and being paid every month without any dues ) Equifax also placed FRAUD ALERT withour my consent, " You have an extended fraud alert in place until XX/XX/XXXX. '' Thay are giving me lots of trouble asking me to send lots of personal documents and even police verification, I NEVER AUTHORIZED FRAUD ALERT, XXXX and XXXX never placed any ALERT on my Credit file. 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Bayview XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX I fully expect Bayview to issue their standard Sorry but you are lying response. That is the response we receive on every CFPB complaint we file against Bayview. Well, I have read many other CFPB complaints against Bayview and they all have a common theme FRAUD AND ABUSE. I am sure those complainants also receive the Sorry but you are lying response. That seems to be their standard form letter in response to CFPB Complaints. How could it be possible that all of these unrelated people from all over the country would be lying?? The fraud committed by BAYVIEW does not just happen once in a while. It happens on a very large percentage of short sales across the country. We have witnessed this on a daily basis for the last 10 years. When is the CFPB going to step in and do something about the fraud going on at BAYVIEW? When is the CFPB going to hold BAYVIEW accountable? IF I DID WHAT THEY ARE DOING I WOULD BE IN JAIL FOR A LONG LONG TIME! 


Short Sale was started XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX we were countered to XXXX. On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX we submitted a Contractors Bid, photos, and market comps in response to the counter offer. 


On XXXX/XXXX/XXXX the appraiser revised his appraisal to $ XXXX. 

On XXXX/XXXX/XXXX we submitted a revised offer of $ XXXX On XXXX we were told by XXXX XXXX the file was denied based on " fair market value '' of XXXX, and the minimum net needed to be 83 % of this fair market value. ( Which our XXXX offer does meet this minimum net. ) XXXX XXXX LIED about the value of this property ON A RECORDED LINE. 


WHAT HAPPENED to the revised appraisal? 

WHY are we being denied even though our offer does meet their minimum net? ( our offer is actually much higher than their minimum net. ) This is the 2nd Time XXXX XXXX has XXXX up on this file regarding values. Her mistakes are causing significant delays. ( which is harming their investor, our community, and the estate that has taken over this property.. values in XXXX XXXX have been dropping for the last three months. ). It is obvious she is overworked - and that means BAYVIEW does not have appropriate number of staffing to be able to service their files according the servicing guidelines set forth by the CFPB. 



I want Bayview held accountable for the lack of staffing needed to do their job-for which they get paid of servicing their files. Bayview has no interest in following the laws and guidelines set forth by the CFPB. They dont care how their files are handled they only want to put forth the least amount of effort into fulfilling their obligations.
Product: Mortgage

Seterus has placed forced insurance on my home for homeowners and flood. I always had my own coverage and they have charged my Escrow Account an " Earned Premium '' when in fact, the policy should have been canceled " FLAT ''. Due to this I have paid over 1,500.00 in DUPLICATE coverage.
Seterus continues to place my payments in a " Suspense Account '' of which there is an overage of {$5900.00}. I have asked them to credit these monies to my Regular Payments, they refuse and say the " USUALLY '' will oblige when I get caught up on my payments. How can I get caught up when the continue to show me delinquent?
Seterus is strong arming me into a " Mortgage Modification '' however this modification only reduces my monthly payment by {$100.00} and has the same interest rate ( 6.75 % ), Loan amount BUT they want to make this a FORTY YEAR mortgage ( XXXX ). Keep in mind, I already have paid on this mortgage since XXXX. That would be paying for 60 years! I am only 2 months behind ... ... ... .I am a single, female they are trying to steal my home. They threaten me and call continuously along with saying they will foreclose IF I do not sign the modification ... ..I AM ONLY 2 MONTHS BEHIND! And they have my money stuck in " Suspense '' ... ..and " MIGHT '' credit it ... what is this????
Product: Debt collection

Bonneville Collections continues to collect on an XXXX account that has been reported as fraud. Bonneville Collections continues to verify their account on my XXXX report. It needs to be removed from my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX data breach, i started to wonder if my credit is reporting correctly. I decided to sign up for a credit monitoring account with XXXX XXXX. This is when I came to the understanding that someone has been using my personal information to apply for services and credit.

FRAUD INQUIRY ON XXXX BUREAU -XXXX XXXX XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XXXX - XX/XX/XXXX FRAUD INQUIRY ON TRANSUNION BUREAU -XXXX XXXX XXXX -XX/XX/XXXX -XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX I placed a fraud alert on my credit report and placed the inquiries under dispute with the bureaus.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
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 proce 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

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

XXXX XXXX and XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/XXXX we were driving to XXXX  for family trip my husband asked me to search for PNC BANK on our way the XXXX  near was PNC bank at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. We went to the drive thru ATM and he deposit the amount of {$1000.00} but we didn't received any notification on the deposit was in our account. I ran fast to inside of the bank and told them about the deposit and they told me because it was holiday weekend the company who in charge of taking money out the ATM will come between XX/XX/XXXX or XXXX. I did call the bank immediately and report them the situation. They provided me with a provisional credit of {$1000.00}. XX/XX/XXXX PNC took from my account the provisional credit of {$1000.00}. This the case number from PNC XXXX. I want to resolve this situation and end in good term with pnc bank.
Product: Debt collection

Bank of America account ending in XXXX. Bank of America has reported a charge off on my credit report, without issuing a 1099c. ( 15 USC 1681 ). Bank of America has sold my personal information to a non affiliated third party, which i have no contract with, which is identity theft. The third party is threating to sue for debt that has been charged off.

This is a XXXX  debt collection practice. ( 15 USC 1692c ). This has caused me XXXX  XXXX.
Product: Student loan

I am filing this complaint in response to FEDLOAN SERVICING 's stunningly incompetent handling of my Temporarily Expanded Public Service Loan Forgiveness application. They received my initial application on XXXX XX/XX/XXXX. I received no correspondence from them until around XXXX XXXX when I received a letter from them stating my application had been rejected because it was " illegible ''. I called on XXXX XX/XX/XXXX to find out what was wrong with my initial application, and I was told by one of their employees after waiting on hold for more than three hours that my supervisor had lined through an entry without initialing the correction. She said that my options were to have my supervisor contact them to resolve the issue or to file a new application. I called my supervisor on a conference line and she asked what his full name and job title were. He provided the requested information and she said that the error had been fixed, but that it would take a couple months to work through the system. I called in XXXX and was told that no action had been taken on my application due to the tremendous number of applications that had been received, and that it would probably take a couple more months. 

I called on XXXX XXXX and after waiting on hold for more than five hours was informed that they had no record of my calling at any time after the initial rejection and that I had to file a new application under the TEPSLF program. I have the names and employee ID numbers of every person that I talked to on XXXX XXXX. I understand that they settled a lawsuit for their completely inept handling of the original PSLF program, I believe that someone needs to investigate their handling of the expanded program as well, since I believe it is incredibly unlikely that I am the only person that was harmed by their total incompetence.
Product: Credit card

I went to the shop my exchange.com to buy some furniture they had a promotion that if you purchase {$1400.00} in furniture on your MILSTAR Card itd be no interest for two years. I was told by the representative on the phone that this purchase met the criteria for this promo and that it would be applied. I got my first statement, and I saw that it was not applied. I called in to the MilitaryStar Customerservice and was told that they would put in a request for it to be done. Ive had this happen before and they told me it usually takes XXXX working days now speaking to another representative. They say its XXXX working days for them to correct something thats their fault ; while at the same time they say its my responsibility to call them every day to figure out when they actually corrected this. This is unacceptable. The representative also said that they work these based on as they come in. If they got this many promotional complaints coming in, obviously there is a XXXX in the system. If I had known that I was gon na be spending multiple days trying to get AAFES to apply a promotion that they advertise I wouldve went to one of the local furniture companies in town versus spending my money on post. My recommendation is if you dont have the staffing to correct these issues in a timely manner-stop advertising these promotions. Just like a fee has expectations of customers. Customers also have expectations of AAFES to have correct accurate and timely billing.
Product: Credit card or prepaid card

On XX/XX/XXXX I initiated a payment to my Citi Double Cash card through Citi 's website with the payment to come from my XXXX XXXX account. Citi then submitted the payment request to my bank 3 times. When I inquired with my bank what happened, this was their response " Thanks for reaching out. I do see that a payment to Citi Card for {$75.00} was processed on XX/XX/XXXX, at XXXX XXXX  CT. Following that transaction, the available balance in the account was {$31.00}. It looks like Citi Card has sent two additional requests for debits of {$75.00}, on XX/XX/XXXX at XXXX XXXX  CT and XX/XX/XXXX at XXXX XXXX  CT. Since the current available balance is {$31.00}, those transactions were declined for insufficient funds. '' This was from a message dated XX/XX/XXXX. 

According to my Citi card statement, this is the series of events XX/XX/XXXX. ONLINE PAYMENT, THANK YOU. {$75.00} XX/XX/XXXX ONLINE PAYMENT, THANK YOU. {$75.00} XX/XX/XXXX XXXX XXXX RTN R01-INSUFFICIENT FUN. {$75.00} XX/XX/XXXX. RETURN CHECK FEE - XXXX. {$28.00} I called Citi to find out why this payment was initiated multiple times and to request the removal of the return check fee from my account. The customer service rep that I talked to seemed to agree that this was a mistake on their part. How could multiple payments of the exact same amount on the exact same date ( within minutes of each other ) from the exact same account not be a mistake, especially if there were insufficient funds for the second payment? She said she could not make changes before the closing of the statement period and I would need to call back after XX/XX/XXXX. She said she would attach a note to my account laying out what we discussed and the issue would be resolved when I called back. 

I called back today ( XX/XX/XXXX ) and was informed that her note was reviewed and rejected. The customer service rep today said the mistake was not their doing and there was nothing they were going to do to correct the issue.
Product: Credit reporting or other personal consumer reports

I bought a computer on a Best Buy credit card back in 2020 and paid it off in a few months. About twice a year I would have unknown charges. I would dispute them, but pay them anyone and ask that the card be closed and I was told it was closed. This happened several times ( including this time ). The last time ( prior to today ) that I paid an unknown amount- I was led to believe it was the total amount due on the card. I was told the account would be closed. In XXXX I received another bill ( this time for {$100.00}. I spend several hours on the phone trying to dispute this and asked them again to close the card. It was not done and they reported the failure to pay to the credit bureau which dropped my score fro XXXX to XXXX. I attempted to remedy this situation by talking to 10 different people. Every time I got transferred to the people who could supposedly help their audio did not work 100 % of the time. I finally paid the total amount due. When I got my credit report -- it showed that they dropped my credit limit but that the account was still open despite instructing them to close it multiple times. I wold like to dispute this on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE I noticed on my Equifax credit report this week, That you ( equifax ) have reported a charge off, which is that has been XXXX, and you did a tax write-off. After contacting the IRS they stated that it is illegal for you to report this information on my credit report to try to collect or have a charge status. This is called tax fraud at the IRS and you will be reported for it. I urge you to remove this item from my credit report and file a 1099-c so I can review it to make sure you are in compliance. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. I have been directed by the IRS to file a Form 3949a, Reporting Illegal Tax Violations Against Your Business. I'm pretty sure your CEO or VP and legal board doesn't want to go to court over this. Companies violating any of the U.S. codes in the FCRA are entitled to actual damages and monetary compensation. 


The accounts that are Charged off and hindering my financial health are listed below, 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 Thank you XXXX
Product: Credit card or prepaid card

On XXXX XXXX, 2017 someone tried to open up a Walmart credit card in my name. I contacted the company and never heard back what happened or the results of the investigation. On XXXX XXXX, 2017 someone tried to open up a Walmart credit card in my name again. I 've contacted them again but they did n't have anymore information again. I want to know who keeps trying to open up a credit card in my name at Walmart, to date Walmart has done nothing nor reported their findings to law enforcement. Walmarts contact information : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX