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

On XX/XX/XXXX, my husband and I sold a puppy to an individual who paid us in good faith through Paypal. I received a notice from Paypal that there would be a hold on the funds for 3-5 business days, which I completely understand. When I hadn't received my money by the 5th day, I reached out to Paypal and was told that the buyer 's bank hadn't released the funds. This was a complete lie, as the bank had released the funds on XX/XX/XXXX. Then, for some inexplicable reason, on XX/XX/XXXX Paypal asked the buyer to cancel the transaction and re-send the funds, but to wait 4 hours. She again sent payment through Paypal on the evening of XX/XX/XXXX. During a XX/XX/XXXX call, the rep tried to tell me yet again that the bank hadn't yet released the funds and also and told me the funds would " without a doubt '' be released by the end of the day. As of XX/XX/XXXX, Paypal is still holding my funds and won't give me any explanation as to why or any indication of when ... if ever ... I will get my money.
Product: Checking or savings account

I'm writing to file a complaint against Navy Federal Credit Union regarding multiable overdraft fee i have incurred.Despite having sufficent funs when transantions were authorized, Iwas charged fees due to lagged posting ofcharges and credits.This issue alignswith the recent CFPB findings againts Navy Federal for similar practices, where transactions settled swith insufficent balances despite initally avalibel funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau incorrectly list the wrong last 4 digits of my Social Security Number on my Experian credit report.
Product: Debt collection

I regret to notify you that I am unable to accept your decision to reject my identity theft claim on the grounds that it was based on a mistake or a substantial fact misrepresentation. It begs important questions about how and why you have the power to define what is a material actuality. It is important to note that you do not have the authority of a jury or judge, nor do you have any natural right to render such decisions. 
According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm willing to give you one more chance to handle my request regarding identity theft. If I don't, I'll be forced to use the legal system to pursue my legal rights. In such case, you will be responsible for the harm done to my credit and reputation as well as the emotional pain I have had to go through during this whole experience. It's very likely that throughout court processes, what qualifies as a material fact will become readily evident, and you might have to pay me back for your carelessness.
Product: Mortgage

We have requested a loan modification twice from Caliber Home Loans within the last few months. They have denied us both times due to insufficient income. The first request we made was missing our rental income so we were advised to reapply which we did. The second application was denied for the same reason, and the appeal was also denied for the same reason, even though our income is now $ XXXX more than our debts. We initially fell behind because of a loss of income which has now been rectified. Also, our temporary modification we received from Caliber expired which increased our monthly mortgage payment from {$1800.00} to {$2400.00} per month. We are requesting for Caliber to review the attached documents again since their denial reason was incorrect. They also denied us due to their appraisal results showing that the home balance is 67 % of the appraised value of {$300000.00}. We are also disputing the appraisal amount. We recently received a letter from Caliber Home Loans stating that our loan balance is $ XXXX, but when we called in to inquire about the balance owed they were unsure how that balance was calculated. We definitely qualify for the 5 year loan modification extension and are requesting Caliber Home Loans to honor this request.
Product: Student loan

I have requested FedLoan to look into all my payments and to see which qualify for income and loan forgiveness. Seems to me they're dragging their feet. I've been a long forcement since XXXX end is XXXX I should have one more year left but they're telling me since I wasn't under the program I don't qualify even though I can prove that I've been in love working XXXX why shouldn't matter that I wasn't under the program?
Product: Mortgage

I have recently talked with a mortgage XXXX and he advised me that in XXXX  we should have been informed about relief due to XXXX. I informed him we have had a hard time catching up and that we were never given assistance or offered a XXXX forbearance and due to no assistance we have been in financial distress ever since. We reached out when we realized we were having difficulty paying our mortgage XXXX XXXX, when were experiencing hardship due to XXXX. We contacted XXXX to get help in the matter, and they offered a forbearance package sent in the mail but nothing relating to XXXX. I was advised that when we called in to XXXX a package was not even necessary but should have been aided right over the phone no questions asked and no package was even needed to be sent before they could issue XXXX assistance. We have been late a couple times since but have been trying really hard to get out of the financial crisis we are in.
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX Bankruptcy XXXX  XXXX XXXX Has violated my rights. 

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then records of Convictions of crimes which antedates the report by more than seven years.

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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent inquiries Capital One date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX  date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX XXXX XXXX  date of inquiry ( XX/XX/XXXX ) XXXX XXXX XXXX date of inquiry ( XX/XX/XXXX ), XXXX XXXX Service date of inquiry ( XX/XX/XXXX ) XXXX, XXXX. date of inquiry ( XX/XX/XXXX ), XXXX XXXX XXXX XXXXXXXX date of inquiry ( XX/XX/XXXX )
Product: Money transfer, virtual currency, or money service

I am unable to withdraw, send, make purchases with or use my debit card against my Venmo balance. The company literally has told me that there are no issues with my account, it's just the system will not allow it right now, and I should try later. That's unacceptable. It's my money. They are not allowing me to access it and can't give me a reason why I cant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I sold, via a Deed of Assumption, a mortgage of {$58000.00} for consideration of {$68000.00}. 

On XX/XX/XXXX, I sold a condo for consideration of {$60000.00}. 

On XX/XX/XXXX, I received a Certificate of Satisfaction for said condo from the Clerk 's Office of XXXX XXXX XXXX, VA. 

None of the aforementioned transactions have appeared on any of my three ( 3 ) credit reports, XXXX, and WAMU/JP Morgan Chase. 

Due to the failure of these organizations to report my mortgages I can't get credit or purchase a home.
Product: Prepaid card

I've tried to use an Amex giftcard several times, online and in person, for amounts that are no where near the total value of the card. I've tried when I first got the card, then I waited and tried to use it again, thinking that perhaps that would help. It did not. 
I tried calling several phone numbers that I could find online and on the card to speak with customer service. Each time the represenative has no answer, other than telling me to do something that I've already tried ; tried using it in store, tried using it online as a straight up debit card, credit card, and gift card. It never works. Customer service was absolutely XXXX help, putting me on hold for XXXX minutes at a time only to come back with no new information or insight- it was very clearly a tactic to have me just give up and hang up. They did this repeatedly.
Product: Debt collection

Vance & Huffman is attempting to collect a debt on behalf of XXXX XXXX XXXX in the amount of XXXX dollars that i do not owe this is the 2nd debt collection agency that has attempted to collect on their behalf the first attempt was removed because i do not owe the alleged amount. I requested Verification of the alleged debt and they provided me a check that i do recognize, however i never physically cashed the check it stated for XXXX mobile deposit only which was scratched off the back of the check under the signature line. I have never cashed a check at XXXX XXXX XXXX EVER and no payment will be made on my behalf i am also welling to take legal action if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX ( XXXX XXXX of XXXX XXXX ) and Dear XXXX XXXX XXXX  XXXX XXXX, Consumer, will file Identity Theft against you via Federal Trade Commission, If, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  ) continue to furnish I, XXXX XXXX, nonpublic personal information to nonaffiliated 3rd party ( s ) who I, XXXX XXXX do not give any consent whatsoever to furnish my nonpublic personal information to nor have I gave any nonaffiliated 3rd party my written instructions pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) to furnish my nonpublic personal information.

Pursuant to the Gramm-Leach-Bliley Act, I, XXXX XXXX am very aware that XXXX XXXX, and the Financial Institution XXXX XXXX, are in noncompliance of the Gramm-Leach-Bliley Act which can result in fines of {$100000.00} ( Per Violation ) and 5 years of imprisonment according to The Gramm-Leach-Bliley Act. 

XXXX XXXX, and XXXX XXXX did not comply with simple instructions and rules of the Gramm-Leach-Bliley Act and did not provide appropriate forms to give I, XXXX XXXX the opportunity to Opt-Out of furnishing my nonpublic personal information.

According to federal law it is not required to furnish any Consumer information 15 U.S. Code 1681s ( C ) and XXXX XXXX and XXXX XXXX  did not give I, XXXX XXXX any opportunity to Opt-Out so you will be held accountable for not complying with Federal Law. 

I am very aware that XXXX XXXX and XXXX XXXX are extorting me for nonpayment therefore by extension of credit by extortion means which is causing substantial harm and ruining my reputation and financial reputation furnishing negative information which is not required and youre ruin my financial reputation Pursuant to 18 U.S. Code 894 ( a ) ( 1 ) ( 2 ) XXXX XXXX and XXXX XXXX shall be fined under this title or imprisoned not more than 20 years, or both. 
Dated on XX/XX/2022, I, XXXX XXXX, am demanding XXXX XXXX and XXXX XXXX to remove my account and nonpublic personal information from all Consumer Reporting Agencies immediately. 
If XXXX XXXX and XXXX XXXX continue to furnish I, XXXX XXXX nonpublic personal information I will proceed with all actions necessary to the Federal Trade Commission and file Identity Theft against XXXX XXXX and XXXX XXXX and report you both to State Attorney General and you shall be fined under federal law 18 U.S. Code 1028A ( 1 ) ( 2 ) and imprisoned for 5 years. This you your opportunity as I addressed my demands very clear and shall not be construed for any reason by any person. Im aware of the procedures of the Gramm-Leach-Bliley Act and you are not in compliance. Your company policy does NOT supersede over Federal Law. As Federally protected Consumer, my rights to privacy has been violated.
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 an address fraud on theor platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer efta and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Checking or savings account

I believe that Wells Fargo was showing that my account was at a negative balance when I, in fact, had money in my account. I also believe this lines up with the current legal action taken against Wells Fargo in regards to their unethical banking practices
Product: Credit card or prepaid card

the statement and closing dates reporting to the credit bureaus wrong and early than my due date or closing date.
Product: Checking or savings account

Opened an account on XX/XX/2021. Terms advertised that if I opened an account with citizens bank and directly deposited at least {$500.00} within 60 days of account opening I would be paid {$300.00} by XX/XX/XXXX. I would also be paid an additional {$2.00} for each debit card purchase in the first 60 days up to {$100.00}. I met both requirements. I contacted citizens bank on XX/XX/XXXX to inquire on where my incentive was. I spoke to 4 different people and then got a request submitted for research. They said give it to this Friday or the next and it would come XXXX XX/XX/XXXX or XXXX ). I still didnt get my incentive. 
Case number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent the credit bureaus ( XXXX, TransUnion XXXX XXXX ) a letter of investigation, to conduct and verify everything on my credit report is 100 % accurate. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX The credit bureaus stated that my accounts are property investigated, but how is that possible if the open dates are inaccurate, the dates last active are inaccurate, and the dates last reported are inaccurate. This is ground for removal as they also violated my rights 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 from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States that I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It states that a consumer agency can not furnish a account without my written instructions.

According to : 15 USC 1681s-2 ( A ) ( 1 ). States that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! XXXX XXXX, XXXX, Citi Cards. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding deletion of all accounts listed due the identity theft.
Product: Debt collection

Procollect calls me all the time. They must have the wrong number.. I do not know the person they are trying to reach I asked them to stop calling me but they have n't.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : Portfolio Recovery XXXX XXXX account number unlnown XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX   ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX  XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX balance {$480.00} acct:XXXX XXXX XXXX XXXX acct:XXXX XXXX opened XX/XX/XXXX reported XX/XX/XXXX balance {$300.00} i have been trying to fight this for years i have never applied for any kind of payday loan they recently started contacting me i was asked several times to varify the last 4 of my social and my birthday in which i confirmed and was told my info i was given them didnt match they record and was told they could not assist me anymore i have contacted them to get validation on the account and they refuse to send me the info ... if they cant tell me any info i would like this removed from my credit
Product: Money transfer, virtual currency, or money service

I am writing to state my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX, XXXX BANK ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX, XXXX XXXX  is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EQUIFAX ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX, XXXXXXXX XXXX XXXX XXXXor the account opened XX/XX/XXXX with account number XXXX, XXXX XXXX  for the account opened XXXX XXXX with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EQUIFAX ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.