23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

i paid for services ( painting and ceiling repair ) from a company/contractor. the deposit was paid through XXXX  the remainder payments were paid through XXXX  which came through my debit card at navy fed. the work was not completed, there was damage done to my home and things were broken. i initally tried to work things out with the contractor directly ( of course ) before getting the institution involved. when that failed i called my bank. explained in detail the situation and started the dispute process. 
i submitted TONS of photos, text message conversations, invoices, even included a letter from myself detailing the timeline of events. i received an email stating my claim was DENIED and they will be taking back their provisional credit due to not receiving documentation. each time i call my bank ( navy fed ) regarding the reason documented for denial, i'm unable to speak to their specialist/investigators. someone is always relaying a message " from '' them. Each time i've called i was given a different answer/response as to why my claim was denied ; something different from not receiving documentation because that is/WAS NOT THE Case. i was even told to send in an invoice showing that i paid to get the work done and that would show that i paid for it " Twice ''. my confusion comes in as i've already paid for it and it wasn't done. i cant make heads of tails of navy fed and what their " back office '' is doing. perhaps their playing on their phone but assisting customers they are NOT. no one has given me a consistent answer. each time i call, i get a different answer. and we are talking about {$5000.00} ; not {$20.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX
Product: Debt collection

I have never had a cell phone with XXXX! I have only had XXXX XXXX service!!!!
Product: Debt collection

Dear Sir or Madam, Zillow Home Loans has, over the past two months, been issuing debt collection notices and refuses to correct a matter that they acknowledged on XX/XX/2020 has been paid in full. Since I am continuing to receive letters regarding debt collection with threats of potential foreclosure, I am filing the complaint to the Consumer Finance Protection Bureau. 

Attached is an XXXX file with a list of Exhibits based on the chronology for when they were received/sent by myself. As you will see, Zillow Home Loans has turned the loan over to servicing to XXXX   effective XX/XX/2020 ( Exhibit E & P ). The XX/XX/2020 payment was received and processed by Zillow Home Loans on XX/XX/2020 as evidenced by the stamp on the cashed check ( Exhibit S ). The XXXX payment was collected by XXXX on XX/XX/2020 as evidenced by the XXXX mortgage statement from XXXX ( Exhibit AD ). Despite all this and continued attempts to follow up with Zillow Home Loans, the matter remains unresolved. 

I sincerely hope for a fast resolution to this matter and can only hope that this is an isolated incident with Zillow Home Loans. 

Sincerely, XXXX XXXX
Product: Credit card

CONCORA CREDIT ( /Milestone Mastercard XXXX at XXXX -- XXXX XXXX XXXX -- XXXX XXXX Oregon- XXXX is concurrently UNLAWFULLY & ERRONEOUSLY WITHHOLDING MY ALREADY POSTED & PAID CREDIT CARD FUNDS ( for up to 14 days ) & the Account Managers STRANGELY stated to me that my FUNDS would NOT be available until AFTER XX/XX/XXXX. On XX/XX/XXXX, I made a payment to Milestone Mastercard / Concora Credit in the amount of {$540.00} & another payment of just over {$49.00} on XX/XX/XXXX XXXX which have both already posted from my LOCAL Checking account -- ( & NOT some foreign- " overseas '' account ). Furthermore, this is the same Checking account in which I have been using ever since I obtained this Credit Card in XXXX, yet Milestone Credit Card Company stated to me- over the telephone that I SHOULD NOW USE XXXX- INSTEAD OF MY CHECKING ACCOUNT, or they may choose to AGAIN- UNLAWFULLY withhold my FUNDS for up to 14 days. I suspect that it is possible that some nefarious- de facto- government agency contacted & instructed this Credit Card Company to SABOTAGE me & WITHHOLD my FUNDS & erroneously report my credit balance as negative- for the last 2 months in a row. I was disgustingly on the telephone with a couple of Concora Credit- ACCOUNT MANAGERS & staff for over 2 HOURS on XX/XX/XXXX XXXX obviously trying to resolve the ILLOGICAL ISSUE.. Therefore, WHY THE XXXX WOULD A CREDIT CARD COMPANY NEED OR EVEN WANT TO HOLD MY FUNDS FOR UP TO 14 DAYS- ( with ALL of their money ) EVEN WHEN ALL I HAVE DONE IS PAY ON TIME- from a LOCAL Checking Account & THEN THEY HAVE INTENTIONALLY REPORTED WHAT LOOKS TO BE A " NEGATIVE '' BALANCE ( the minus symbol ) ON MY CREDIT REPORT for XXXX & XX/XX/XXXX. Consequently, I now feel convinced that Milestone Mastercard was instructed & possibly PAID OFF- to SABOTAGE me & WITHHOLD MY FUNDS.
Product: Credit reporting, credit repair services, 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 of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX MD is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT THE CREDIT BUREAUS REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report earlier this year and found fraudulent accounts opened under my name that I had no knowledge of. I have mailed in the documents requested from me and have not seen the corrections that need to be made on my credit report. I spoke with many customer service representatives and requested to make disputes on the phone. After an investigation, they still do nothing to correct the mistakes. I even asked for validation of the debt although they claim to have verified the debt is mine but have never sent me a consumer contract as proof. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, it is required to provide the original consumer contract! 

The following accounts were not opened by me and need to be corrected and deleted : XXXX XXXX XXXX XXXX, XXXX {$3900.00} XXXXXXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Transunion regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Transunion is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Transunion has not provided me with any VALIDATION OF THESE ACCOUNTS. Transunion constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Transunion what did the company VALIDATE with them, and I have repeatedly been ignored. Transunion and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from XXXX and XXXX XXXX XXXX to remove from my credit file. Please see attached.
Product: Checking or savings account

On XX/XX/2020 opened a checking account online in response to an online offer promotion for {$300.00} bonus if certain terms were met. In addition, a {$200.00} bonus was said to be available for opening a companion savings account. After successfully opening the account online and funding the account with {$100.00} from another external bank account, I attempted to login to my online banking, only to notice that it had been blocked by the bank. Upon calling to see what the issue was, on XX/XX/2020 the bank was requiring certain documents be faxed in order to unlock the online banking. The very next day, on XX/XX/2020 I received an unsolicited email notifying me that my account, opened successfully online on XX/XX/2020, was being closed. I am of belief and suspicion that the account closure is a direct result of my enrollment in the promotional offer and that the bank is acting unscrupulously in closing the account as a result of this enrollment.
Product: Mortgage

I am writing you because I feel that the Global Credit Union, XXXX ID # XXXX, is using creative accounting techniques to unfairly increase mortgage loan interest payments from its customers. My original mortgage was with Alaska USA FCU which merged with Global CU. 

For years, I made monthly mortgage payments that included an additional principle payment to pay down the principle on my mortgage loan and reduce the monthly interest due. In XX/XX/XXXX, I noticed that instead of the additional amount being applied to the loan principle, Global CU applied the extra funds as future monthly payments. This resulted in my monthly interest payments staying elevated because the principle was not being reduced. 

I contacted Global CU on XX/XX/XXXX and was told that their computer algorithm automatically applied extra payment amounts towards future monthly payments instead of the loan principle. On XX/XX/XXXX I requested the bank to specifically code the additional payment amount made in my XXXX mortgage payment as additional principle and even received a receipt showing it as an additional principle payment. But but as of XX/XX/XXXX, the additional principle was applied to future monthly payments into XXXX. 

When I obtained my mortgage loan in XXXX through Alaska USA FCU, I was told that there was no penalty for an early payoff. By refusing to reduce the loan principle and keeping the monthly interest payment elevated, this becomes a financial penalty for trying to pay off my mortgage early and allows Global CU to reap an unfair financial gain by charging increased monthly interest amounts. 

While my additional monthly interest amount may not amount to much, if you consider the number of other mortgage interest payments affected by these creative accounting techniques, Global CU is collecting an enormous profit using dubious accounting methods.
Product: Student loan

My personal and financial information was compromised without my authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting my XXXX XXXX  account incorrectly I have recieved letters from XXXX   XXXX XXXX  stating I was not late in XXXX and that my current balance is XXXX and for some reason equifax keep trying to put my balance higher and still have not removed the late payment for XXXX ... I would like this corrected immediately on my credit report on equifax .... I have made two payments since XX/XX/2020 and it still says last payment XX/XX/2020 XX/XX/2020
Product: Payday loan, title loan, or personal loan

I applied for a loan and the terms were not disclosed until after the money was deposited in my account. When I looked at the interest rate it is 977.3953 %!!!!!!!!!! I did not agree to that. I am sick to my stomach and do n't know what to do. I have contacted the company and no response yet. I feel I have been deceived greatly on this. I borrowed  XXXX  and I have paid  XXXX  ytd on it. This is a  XXXX  tribe.
Product: Credit reporting or other personal consumer reports

Company name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is closed and is reported by their company for a balance of {$610.00}. I have not agreed to or signed a contract with this company and I asked it be removed from my credit report.

Company name : MIDLAND CREDIT MANAGEMENT Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account is closed and are reported twice in my credit report. your company for a balance of {$1000.00} and {$810.00} and the balances are incorrect. I have not agreed to or signed a contract with this company. I fell on hard times and communicated this with XXXX XXXX so I asked that this be removed.

These 2 companies are relentless and refuse to remove anything that is a result of falling on hard times.
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, CASHAPP failed to take timely and effective measures to prevent & address fraud on their platform, leaving my Account vulnerable and Unprotected. Furthermore, their dispute resolution process was unfair & 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 immediate & appropriate compensation redress for these violations.
Product: Money transfers

I purchased XXXX from XXXX and followed the email instructions XXXX sent me after they received my order, as to their method of payment. I 've copied and pasted their instructions below. After I wired the money, via Western Union, I sent them an email with the requested XXXX # that Western Union gave me. On XXXX XXXX, XXXX XXXX picked up the money wire and I have n't heard from them since. No confirmation of the wire pick-up, no nothing. I 've emailed them 5 times, to no avail ... .no further contact from them. Below that email, I 've copied and pasted the confirmation email from Western Union that my money wire had been picked up by the company. 
XXXX Order Confirmation No : XXXX Order Confirmation from XXXX XXXX XXXX Thanks for shopping with us today! 
The following are the details of your order. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Order Number : XXXX Date Ordered : Sunday XXXX XXXX, 2016 Detailed Invoice : XXXX Products XXXX = {$87.00} XXXX Sub-Total : {$87.00} Zone Rates ( Shipping to US ) : {$12.00} Total : {$99.00} XXXX XXXX XXXX United States Billing Address ( removed by XXXX XXXX ) XXXX XXXX XXXX United States Payment Method XXXX Transfer Money Payment Make Payable To : There are different ways you can pay for orders : 1.Western Union 2.Wire Transfer Western Union Payment Paying with Western Union Login : http : //www.westernunion.com send money and select Cash at agent location Our Western Union account First Name : XXXX Last Name : XXXX Address : XXXX Phone : XXXX After the payment, plese tell us your payment XXXX number ( WU XXXX XXXX ), And email us a copy of the Western Union receipt, and your XXXX # with sender name. Pls send Payment Information to : XXXXXXXXXXXX Wire Transfer Paying with Wire Transfer : We are also happy to accept Wire Transfer payment in USD, XXXX, XXXX, XXXX currency for most orders. For Wire Transfer payments : Bank Name : XXXX Account Number : ( XXXX ) Account Name : XXXX XXXX ( First Name : XXXX / Last Name : XXXX ) Address : XXXX Phone : XXXX Note : After the payment, plese tell us your payment Track number and Order number Will send order in 72hour, USPS ship. 
This email address was given to us by you or by one of our customers. If you feel that you have received this email in error, please send an email to XXXXXXXXXXXX -- -- Copyright ( c ) 2016 XXXX. Powered by XXXX XXXX This email is sent in accordance with the XXXX XXXX Law in effect WESTERN UNION 'S CONFIRMATION EMAIL TO ME : From : XXXXXXXXXXXX Subject : Western Union : Pickup Notification. 
Date : XXXX XXXX, 2016 at XXXX PDT To : XXXXXXXXXXXX Dear XXXX XXXX, Thank you for using the Western Union Money Transfer ( R ) service. 
Your money transfer has been picked up by the receiver. Following is a summary of your transaction. 
TRANSACTION DETAILS : Money Transfer Control Number ( XXXX ) : XXXX Date of Order:XX/XX/2016 Amount Sent : {$99.00} Receiver Name : XXXX XXXX Status : Picked Up
Product: Checking or savings account

I was contacted by what I thought was a remote job from XXXX. They claimed to be XXXXXXXX XXXX  and used the name XXXX XXXX. They sent me a check in the mail from XXXX XXXX XXXX XXXX to be used to purchase work materials for the amount of {$4900.00}. Upon depositing the check into my Wells Fargo account on XX/XX/2023 they began asking to send the money to different places and the check was found to be fraudulent and now my account is negative that amount and I do not have the money to pay this back. This was a scam and I should not have to pay this.
Product: Mortgage

My loan servicer is breaking XXXX XXXX regulation XXXX by claiming they will call due my loan when I transfer Title to my XXXX. This is illegal.
Product: Debt collection

This number XXXX has been calling me for months. A message is never left and if I do answer its dead air. If they have something to say or have a legit bill, they can send it to my address. If they truly have an account of mine they should have my mailing address. The calls just need to stop now! I feel harassed by the calls.When I look up the number it says the company is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have disputed LexisNexis several times on why my report has incorrect information like my bankruptcy XXXX XXXX XXXX as the provider of the record on page XXXX and why on page XXXX it shows " Record 1 Source Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ''. Each time LexisNexis stated that they did a proper investigation and stated that XXXX  and or XXXX XXXX XXXX provided that information. However, on XX/XX/year>, I sent a letter to the XXXX  XXXX XXXX XXXX and an email to XXXX XXXX XXXX asking do they report bankruptcies to the credit bureaus and I got a response stating that " They do not report any bankruptcies to anybody. '' Under 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my right under 15 USC 1861.

According to 15 U.S.C 1681 section 602 ( A ) states I have a right to privacy.

According to 15 U.S.C 1681 section 602 ( A ) Section 2 also states a consumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Product: Checking or savings account

Notice i XXXX : XXXX am making this document on my only accord and will, no third party was used to make this complaint. 

XXXX : XXXX, XXXX beneficiary ) d/b/a XXXX XXXX XXXX ( trust ens legis ) Unauthorized transactions totaling {$5500.00} XX/XX/2022, has created a hardship for this consumer. i have not authorized any transaction, i called Bank of American, they couldn't provide me with any documents on why these transactions was approved. 

All documents should be sent to me immediately. 
Court documents should be in accordance with 28 USC 1691
Product: Credit card

I applied for a XXXX XXXX Credit card which is handled by Bank of America.I have excellent credit ( scoreXXXX ) and pay all my credit cards at end of month. Bank of America said the decision as based on an assessment of your application, current economic trends and a copy of your credit report.. I am applying to XXXX XXXX and Bank of America is not making any money off of me so is not approving of the card. In XXXX letter they say not due to credit report.I used to bank at Bank of America and found them to charge for every little thing so I closed the accounts I feel this is main reason for being turned down.