23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX is a convenient service I use for purchasing and shopping online safely. My bank experienced an ACH issue and payments that normally come out of my account were being rejected without my knowledge. I called affirm told them but they do not speak XXXX and istead they reported it even tho MY NEW BANK account was on their site ready to process payments they reported i did not pay when instead they did not use the account, the bank account rejected payments i did NOT MISS A SINGLE PAYMENT I DEMAND IT BE RESOLVED AND REMOVED IMMEDIATELY further more people who do not speak XXXX should not be handling my money MY ACCOUNT IS CURRENT AND NOT PAST DUE all payments are in and paid i demande resolution asap
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a domestic transfer via WISE for the amount of {$5000.00} USD, and as of today ( XX/XX/XXXX ), the receiving company has informed me that they have not received the funds. These {$5000.00} USD were debited from my WISE account, meaning that the recipient has not received the funds, and I also do not have them in my account. 

I have repeatedly requested the WISE support team to provide me with a valid document ( other than the XXXX  that can be downloaded from their app ) confirming that the transfer was successfully completed and that the receiving bank received the funds. According to the transfer receipt from their app, WISE used XXXX XXXX XXXX  as a partner to send the funds. 

As can be seen, I have been claiming my money for 526 days, and the issue has still not been resolved. 

Currently, I write to the WISE support team every two days to inquire about the status of my case, and their response is that it is under review.
Product: Checking or savings account

I got scammed with CashApp for buying fake XXXX for the amount of {$18000.00}. This started on XX/XX/XXXX to XX/XX/XXXX. The way I got scammed was the fraud people that I was dealing with were using a fake XXXX called XXXX and also XXXX of the guys had his number from the XXXX even though he was located in XXXX. 
His number was XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX. The other guy reached out to me on XXXX and his number is XXXX and he is from XXXX and his name is XXXX. All the money back came back to my Bank Account for XXXX XXXX day but then recently this pass Monday XX/XX/XXXX, all the transactions got reversed and now I have a negative balance of $ XXXX and therefore I had to open a new account with XXXX Bank.
Product: Mortgage

On XX/XX/XXXX, I made a {$10000.00} additional principal payment to bring down my loan to value to 79 %. On XX/XX/XXXX, I requested J.P. Morgan Chase to cancel my PMI insurance. On XX/XX/XXXX, Chase canceled my PMI insurance because my XXXX was XXXX XXXX 

However, Chase proceeded to charge me {$150.00} for PMI on XX/XX/XXXX. Based on Chase 's own letter, they said, " As of XX/XX/2024, you no longer have to pay for private mortgage insurance for your mortgage loan ''. I don't know why they charged me {$150.00} for PMI insurance that no longer exists on XX/XX/XXXX.
Product: Prepaid card

I reported unauthorized transactions on my debit card beginning XXXX XXXX for {$150.00} to XXXX XXXX XXXX. There were several charges from XXXX and XXXX, a XXXX XXXXXXXX card payment actually a few of them. The only card I have is my direct express for my XXXX benefits,73 charges from XXXX taken out of my account. A total of {$2000.00} was taken over a 6 month period of time while I was in XXXX. Direct Express said they would go back to XXXX and replace that but no further but that's not what they said the second letter I received from them. They said the charges in question they determined were not unauthorized, therefore no error occurred.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an XXXX XXXX assisting me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Experian and XXXX. 

XXXX XXXX  {$8000.00} XXXX XXXX {$8700.00} XXXX XXXX XXXX. {$790.00} XXXX XXXX XXXX  {$8000.00} XXXX XXXX {$4600.00} XXXX XXXX XXXX XXXX$790.00}
Product: Checking or savings account

I found a fraudulent charge on my account about a week and a half ago. I immediately reported the charge as fraudulent. Chase denies the claim within 3 days stating that the way the card was used can not be disputed. They refuse to show evidence of the claims. And refused to escalate the claim and let me provide evidence of me not making the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX acc # 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 

1

5 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: Credit card

Why does M & T Bank not allow me to enroll online and check my balance? After making an initial complaint, one customer representative called me back but abruptly ended the call before answering all of my questions. They insisted that I either visit a branch or have a XXXX  meeting because they were unsure if I actually reside at the address I provided. However, there are two issues with this approach. Firstly, they have already sent credit card offers to my home address, which indicates that they are aware of my residency. Secondly, the more pressing concern is that my credit card application was already approved and I have been able to use the card. How can a bank approve my credit card without knowing my identity, especially if now they claim they do not know me and require a site visit? This is a fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Complaint against XXXX XXXX XXXX for Failure to Properly Validate Debt and Potential FCRA Violations I, XXXX XXXX, am filing this complaint against XXXX XXXX XXXX XXXX regarding their handling of my debt validation request and potential violations of consumer protection laws. 

On XX/XX/2024, I sent a debt validation letter to XXXX XXXX XXXX XXXX disputing an alleged debt ( Account Number XXXX ) and requesting detailed validation as required by law. On XX/XX/2024, I received a response from XXXX XXXX XXXX that failed to adequately address my concerns and provide the requested information. 

My complaints are as follows : Failure to Provide Comprehensive Debt Validation : XXXX XXXX XXXX did not provide the detailed information I requested, including a copy of the original signed agreement, documentation showing the chain of ownership of the debt, and a detailed accounting of the alleged debt. 

Inadequate Response to Credit Reporting Discrepancies : In my initial letter, I raised concerns about discrepancies in reporting across credit bureaus. The company 's response did not address this issue, potentially violating the Fair Credit Reporting Act ( FCRA ). 

Misleading Information About Legal Obligations : While XXXX XXXX XXXX claims that the Fair Debt Collection Practices Act ( FDCPA ) does not apply to them as the original creditor, they still have obligations under other consumer protection laws, including the FCRA. Their response may be misleading consumers about their rights and the company 's responsibilities. 

Potential Inaccurate Reporting : The company 's response indicates a {$0.00} outstanding balance as of XX/XX/. However, this conflicts with the ongoing dispute and the reporting to credit bureaus that prompted my initial inquiry. 

I request that the CFPB investigate these issues and ensure that XXXX XXXX XXXX complies with all applicable consumer protection laws. I seek a full and proper validation of the alleged debt, correction of any inaccurate information reported to credit bureaus, and any other appropriate remedies for the company 's failure to adequately respond to my validation request. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

I am an individual with a XXXX XXXX  that I file on my personal tax return. The business name is XXXX XXXX XXXX XXXX XXXX. I contracted with my bank, PNC Bank for a XXXX point of sale system. Since the beginning XXXX has been nothing but problems. Most recently, my system will not connect to wifi via a standard wifi hotspot. I followed the instructions of PNC 's third party vendor, XXXX to do a factory reset of my device, causing me to lose sales saved in the device and not synced to the bank. I am tired of the bank punting me to XXXX who is clearly incapable of resolving the rpoblem.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS M & T BANK
Product: Debt collection

Investment Retrievers has been talking to my wife regarding my account. According to Alabama law, debt collection agencies should not talk to spouses. 

Investment retrievers has talked and negotiated settlements with my spouse.
Product: Debt collection

My complaint is against Experian I have been trying to correct my name for 2 months now and have sent them my drivers license and soc sec card. They continue to call me XXXX XXXX XXXX not XXXX XXXX XXXX. I also have disputed XXXX XXXX and XXXX XXXX providing documentation of court orders signed by judges to have the items removed. They refuse to attach court orders to the disputes when sending to XXXX and filed a dispute with XXXX XXXX not XXXX. Why would they file a complaint with XXXX XXXX???? XXXX is all over the court agreement. A bunch of idiots are running this company and they are no help at all considering they control our credit history it is disgusting and should be against the LAW.
Product: Mortgage

I sent an Error Resolution Notice under 12 C.F.R. 1024.35 on XXXX XXXX, XXXX to M & T Bank. See attachment : XXXX. That notice was received by M & T Bank on XXXX XXXX, XXXX. M & T Bank replied with their letter dated XXXX XXXX, XXXX. See attachment XXXX The language in the M & T Bank reply letter is a deceptive act because, contrary to what it asserts, I did not send them a request - I sent them an Error Resolution Notice. M & T Bank 's reply confirmed that they posted the transaction, that I notified them of, without my knowledge or consent that posting is an unfair act. M & T Bank failed to correct the error and has failed to comply with its obligations under the notice requirement of 12 C.F.R 1024.35 ( e ) ( 1 ) ( i ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$700.00} million data breach settlement : innovis XXXX Credit Bureau May Be Violating Consumer 's Rights
Product: Mortgage

We were switched over to Shellpoint in XX/XX/2018. I had currently filled out a packet because we flooded here in XXXX, LA and got behind on the mortgage. They told me I was approved and if I made 3 payments of XXXX dollars, then they would add what I was behind on, to the end of my mortgage. I paid all 3 of them and now I get a certified letter saying Notice of Default and Intent to Accelerate. I googled this company and they have really bad reviews. They have been turned in to the XXXX multiple times. The amount owed is {$7800.00}. They did not keep their word! I cant talk to anyone when I call. No one answers half the time. I get no answers. I can't lose my house! I did exactly what they told me, and I'm still going to get my house taken away. Please help!
Product: Mortgage

The mortgage is with 1st mortgage company in XXXX. XXXX XXXX is being sued now for fraud. He is or was the owner. Hes stolen our escrow and now hes used our money for county taxes else where. Im also finding out hes marked our account unpaid yet hes provided us with countless letter signed by him saying we are current. These items are on my credit report saying Im late on payments. After reading all the lawsuit articles I dont know what to do. Im scared for my home and what this may cost me. I made my payments and did my part but now that hes committed fraud to so many people Im scared something will happen to our home.
Product: Credit reporting or other personal consumer reports

What I imagine about credit bureaus reporting under people 's names, there's something more that I didn't think about, a lot of things that you really don't know are put on people 's credit reports, even though I'm a legal information theft report, I gave my US ID to verify my identity, they don't want to report my correct name and my address which is correct with me, that's very strange I'm surprised to see that they instead report a lot of false information, give me more than XXXX names, while I have only XXXX account on my credit report, that's crazy, I can't understand that my credit report is different from my identity.
Product: Debt collection

A company called XXXX at XXXX called my employer and relative stating that I had to call within an hour and referance # XXXX because I was being served a summons. I called the number and when They told me that I had an outstanding balance, I asked them to validate the debt, and they could not. They continue to call my employer AFTER I asked them not to. They do not contact me directly. They keep calling my employer and relatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late fee charged by Quicken loan When 3 payments have been send and then returned to my bank by the merchant to XXXX XXXX. 
payments send : XXXX-FOR {$850.00} RETURNED TO THE BANK XX/XX/XXXX by the merchant, Again ON XX/XX/XXXX for XXXX check forwarded to quicken loan Returned to bank XX/XX/XXXX ON XXXX SEND XXXX Returned to bank XXXX pay description from transaction history explains this, but I still got a late fee
Product: Money transfer, virtual currency, or money service

I was scammed using XXXX XXXX  while trying to sell a couch. The couch was listed for {$1000.00} USD. The scammer messaged me on XXXX and said they were very interested in the couch and wanted to XXXX me for it as soon as possible. I sent the scammer my information in order to XXXX me and they sent me a fake screen shot showing she was zelling the money to me. While I was waiting for the {$1000.00} XXXX to reflect in my bank account I was then sent fake e-mails from the scammer posing as XXXX explaining that in order to receive the money I had to create a XXXX business account considering the funds were {$1000.00} and in order to do that I had to ask the last sender to send me {$800.00} and then I had to send the {$800.00} back and I would then get a lump sum of {$1800.00} USD deposited to my bank account once that was confirmed. I then realized I was getting scammed because I never received the {$1800.00} USD into my checking account. I immediately reached out to TD bank because my XXXX is through TD bank and explained the situation and they investigated it and then 10 business days later told me I could not be reimbursed because I authorized the transaction to the scammer. I lost {$800.00} of my own hard worked money because of a XXXX marketplace scam that allegedly happens often to people who use this application and still XXXX marketplace does not have any warnings on their website to warn users of the potential for scam.
Product: Credit reporting or other personal consumer reports

I was completely floored when I saw inaccurate accounts on my credit report this morning. I check it regularly, but this time, there were discrepancies I just couldnt explain. I tried refreshing my browser, hoping it was just a glitch, but the problem didnt go away. Im asking that my documents be carefully checked because Im desperate to put this behind me and stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts : XXXX # XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Product: Mortgage

We were Issued a Loan Modification by OCWEN, we made XXXX payments and they would not accept the XXXX payment because we have solar panels from XXXX XXXX XXXX which is current ... Our attorneys refiled a mod package and we were offered a payment that was XXXX More they OCWEN defaulted on original aggreement. what can be done about this this new amount is totally unrealistic.
Product: Credit card

On XX/XX/2023, at the XXXX XXXX XXXX. I discussed purchasing some products from a XXXX XXXX sales representative named XXXX XXXX. We got to the point of discussing price, but never agreed to a purchase. I did not even know about a credit application, as that was not discussed at all. XXXX requested a signature, but I refused and specifically stated that I was not purchasing. I was clear, and there was zero confusion about my refusal. 
Despite my refusal, and in what I consider blatant fraud, an order for the product was placed, and this credit account was opened.
Product: Credit card

I use the XXXX  Reward Me Visa credit card at XXXX  stations and at other non-fuel retail locations. The rewards program, and note the ad for the program on the two receipts copied with this complaint, states 15 cents off per gallon on XXXX  gas and percentage discounts at all other retail locations. 5 % non-fuel purchases, 3 % back on grocery, 3 % on dining, 1 % on everything else. I noticed that my receipts do not reflect the discount/credit so I called Customer Service XXXX On a recorded line their representative lied and told me the points/credits are made automatically when they are not received at the pump. In addition, my card now sometimes asks for an ID number which I do not have to enter. My statements show the credit or points are not being granted. I believe this is a theft from a credit card with approximately a 30 percent interest rate and the executives responsible should be prosecuted for false claims. It discounts are being received I assume they are being absorbed by the gas station because as the two I copied to you show none. A customer should not have to take time at the point of sale to confirm the rewards. WORSE STILL the pump at the XXXX  station in XXXX Michigan locked down on my credit card after demanding a rewards account code. I had to leave my card in the reach of other customers and go in to get a manager. The card was lose and open to theft upon our return. I had to guess how many gallons my car would take several times because the pump would not take the XXXX XXXX so station staff sometimes ran the card with a guess from me. The card charges I believe XXXX percent in trade for a benefit. My credit union charges XXXX percent interest without a reward. The XXXX  card is a defacto bait and switch given they do not honor its terms.
Product: Student loan

I have outstanding student loans through Navient in the amount of $ XXXX My husband and I are attempting to pay down the amount, our monthly payment is XXXX and we have been paying an extra {$400.00} each month to help lower the principle. We follow the payment instructions given by Navient by including a separate payment instruction telling them to not advance our payment date and that {$200.00}. go to each of the XXXX loans principles. Instead Navient pays extra to the interest and advances our loan date. We have contacted them several times by phone and they have fixed it several times but continue with the problem. 
We feel like we are spinning our wheels ' we have read on how many student loans are being defaulted on and we are trying our best to do right. How can we get help with this matter?
Product: Credit card

I was charged {$130.00} four times on XX/XX/year> by XXXXXXXX XXXX. 

I did not make these charges at all and need my money back I cant afford to lose {$540.00} I called my bank chime to do a dispute all these charges and not even 1 day later I get an email telling me my dispute has been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a freeze on my report in XXXX with Equifax. I was assured no new accounts could be opened in my name. Instead they allowed a closed account to be reopened and information updated that was previously reported as closed from five years ago. 

In regards to both Equifax and XXXX when I submit a dispute sometimes they rule in my favor and remove the account sometimes they dont but will not provide proof that accounts belong to me instead have requested I file a police report and submit proof that they dont belong to me. If they can not provide proof and refuse to show proof that the account is mine the account should be removed. Instead they allow companies to state a person owes them money without any proof and even if it is disputed and removed they allow the debt collection companies to resell consumers private information that cant even be verified as theres only to allow the debt collection company to put a new account on a report. There solution is to freeze a consumers credit report but this prevents a consumer from using credit at all.