23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than 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 or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX XXXX : {$1600.00} ; XXXX XXXX Balance : {$250.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$6600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had an issue where I was scammed on XXXX, I was messaged by someone who supposedly placed an order then after that they messaged me about an issue with the order. Also they sent this link to verify my back information and I did include my information because I thought it was legit and it was through XXXX. Im new to XXXX so I did not think it was a scam. After clicking on the link and attempting to verify my bank info an agent from the support chat stated I need to state how much I had on my account which was {$260.00} at the time. After doing that the agent stated they needed to do a security hold of {$260.00}. Also they said because of the type of bank I have I would need to send money to Revolut in order to verify I have a balance. So after I did all that they took the money out my account and I approved it only because I thought it was for verification and my lack of knowledge of scams, I proceeded to chat the agent through the link provided about how long the hold will be and was told I needed {$300.00} to get my money back. Thats when I realized it had to be a scam and reported the dispute with XXXX which they denied and refuse to cancel pending transaction. I have photo proof of the message and scammer and they refused to look into it with the information I provided.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion regarding their listing an incorrect Date of Last Payment for an account listed on my credit report ( XXXX # XXXX ). I have checked with the original creditor and both XXXX and XXXX to determine the correct date which differs from the TransUnion date. The extension of this drop off date is a violation of the FCRA and is used by companies to artificially extend the life of credit accounts that are beyond the Statue of Limitation and collectability. TransUnion is currently reporting inaccurate and incorrect information regarding this account which is severely damaging my credit and preventing me from obtaining an auto loan and credit card.
Product: Debt collection

I received a letter dated XX/XX/XXXX on XX/XX/XXXX notifying me of a debt in the amount of {$22000.00} owed as of XX/XX/XXXX to XXXX XXXX in XXXX XXXX. This debt is not mine - I have never applied for an XXXX  in XXXX XXXX nor lived at this address or anywhere in XXXX XXXX. I am a victim of identity theft and in XXXX I filed a police report as well as two FTC fraud reports. In XXXX, the same year that the debt is owed, I disputed and cleared several other fraudulent debts and inquiries that were made in my name.
Product: Payday loan, title loan, personal loan, or advance loan

Headway Capital has sent my account into collections. 

In writing, via email, I have asked them to cease and desist all collection activities. They have boldy refused to ... going so far as to email me back refusing to cease communication. 

I've also requested validation of the debt as the total is wrong. Months later and they have provided me nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent bank account that is reporting on my XXXX and Chex reports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.
Product: Checking or savings account

I deposited money orders into my checking account and they placed a block on my account until I can provide receipt of the money orders. I had XXXX in the account before even depositing the money order and I am not able to get the receipt of the money order since I had thrown them away 4 days after I deposited the money order since I assumed it would be fine. I have no way to get the receipt and have even went to XXXX where I got the money order to get a receipt which they are not able to do so as well as XXXX XXXX. My funds are stuck on hold forever and they are not even willing to close my account to let me have access to my funds due to the money order that I deposited. There is also no citibank branch in my state or nearby state so I am not even able to go to the branch to get my money.
Product: Money transfer, virtual currency, or money service

I wike up to my chime card balance being iverdrawn XXXX and my card completly wipped out even took my savings arond XXXX dollars and chime isnt doing anything ti help me with money
Product: Debt collection

frequent and repeated use of automated machine to call... 

also, will not accept XXXX for payment.
Product: Credit card

I was a victim of Fraudulent Charges on my XXXX XXXX XXXX XXXX Back Credit Card and was issued a new credit card and when I called a week or so later to check on why I haven't received my new pin number in the mail, when I called the customer service number listed on back of card, ( XXXX ), I get a recording stating " You are not authorized to call this number '', so how am I suppose to speak to a rep about my account? I tried calling the number several times and I get the same response. I even called using XXXX and it said the same thing. I have a right to speak with a representative at the number provided on Billing and card, it's like my number has been restricted without good cause. I am a good paying customer, have never been late with payments, etc., and current, etc. I want to get an update on the fraudulent charge investigation, but can't cause my call won't go thru ... .All other phone calls are working on my phone wiht no problem, I believe it is XXXX XXXX XXXX XXXX BAck fault for " whatever reason ( XXXX ) ''.
Product: Mortgage

We have a conventional mortgage with Wells Fargo ( WF ) that was established XX/XX/2016. We purchased our home located in XXXX XXXX FL XXXX for XXXX. Since the purchase, we have completed approximately XXXX in significant renovations, some of which was financed through WF, with all hopes of dropping the PMI which averages XXXX a month. In XXXX, WF provided us with options of paying for an appraisal which cost XXXX ; however, it had to be performed by a company of their choice which is also approved by the investor. The first appraisal came back low at XXXX. I followed the WF dispute process which they then adjusted the appraisal amount to XXXX still shy of what we needed to remove the PMI. I feel that the appraisal process is very bias to be in favor of the lender/investor as these appraisers are contracted by said parties and am concerned about the oversight required under an institutions third party risk management framework. I am also concerned that while my appraisal amount was adjusted, it gives the appearance that these amounts are easily manipulated by the " approved '' appraisers. This is very unfair to the consumer. In addition, it is unclear why WF provided home improvement financing options if said products being financed ( XXXX retail private label credit card ) are not worth the value so I would also like this to be evaluated as well. It is very deceptive to provide consumers with financing of high dollar home improvements ( XXXX ) in upgraded windows ) only to find out it does not truly increase the value of the residential property. There are multiple online resources that indicate our home value is XXXX. Iam concerned again about the credit card lending/financing provided by WF as well as the bias mortgage appraisal process and appraisal dispute process that is conducted at WF.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX  has violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the rights 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than 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 or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

SLS is in violation of debt collections practices act, acting with malicious intent and in violation of CA HBOR. 

At issue is the new policy at SLS which affects short sales. This is a policy that no other lender has as it's in violation of debt collections practices act. This specific policy is specifically for 2nd liens owned by SLS which requires the removal of fees which have been approved by senior lien holder on a short sale. 

These fees do not in anyway impact the amount SLS is receiving on their short sale and the senior lien holder is the lender that dictates which fees will be allowed since they are the one who is entitled the most proceeds of the sale. When SLS demands fees to be removed, in the case loss mitigation fee of XXXX which was approved by 1st lien holder, they are pushing that fee onto seller which is illegal on short sale and in violation of CA HBOR. SLS can not in anyway demand the removal of fees which are approved by 1st lien holder. This egregious and malicious illegal tactics must immediately cease and desist. SLS must adopt the policy they had before and every single lender has and focus on what they want to net from the short sale and not remove fees approved by 1st lien holder. Trying to remove fees in negotiation that are approved and being paid for by 1st lien holder is in fact acting in bad faith and is something SLS can be sued for.
Product: Credit card or prepaid card

Hello, I made a purchase on XXXX XXXX  through XXXX and Capital one charged me a " cash Advances fee ''. This was not right, it was coded as a purchase and through XXXX it should have been resolved between the Vendor and Capital one. But neither of them helped me and i still got stuck with this charge. 

The capital one rep stated that this is not refundable by them. EVEN THOUGH THEY ISSUED THE CHARGE. If they cant refund it who can .... 

Thanks,
Product: Debt collection

I learned there was a outstanding collection on my credit score report that I was absolutely not known of. I checked my credit card report at XX/XX/2019 and I contacted bank to explained the situation. At first they mentioned they was trying to help me with involving their fraud department. My call was being transferred for 3 person and they told me there is nothing they can do about it. Suggest me contact collection agency directly. I stopped follow because that was never my charge.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to address serious violations by Experian regarding inaccurate and misleading reporting on my consumer credit file. The information in question pertains to Account XXXX : XXXX reported by Experian as a charge-off ( CO ), yet inconsistently shows XXXX late payments. This reporting is contradictory, inaccurate, and a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Experian lists the account as a charge-off ( CO ), yet the report also indicates zero late payments. A charge-off can not occur without a delinquency in payment history. This inconsistency demonstrates a failure to ensure that information is accurate and complete, as required under the FCRA ( 15 U.S.C. 1681e ( b ) ). 

The inaccurate reporting of this account has severely impacted my financial standing. I have been denied credit, experienced a lowered credit score, and suffered significant XXXX XXXXXXXX due to the financial hardships caused by these inaccuracies. XXXX negligence in ensuring the accuracy of my report has directly contributed to these outcomes. 

I trust that the Consumer Financial Protection Bureau will address this matter and hold Experian accountable for their failure to comply with the law. 

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

I am writing to formally express my concerns regarding zelle handling disputes. Particularly and the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous of times and reporting discrepancies My financial institute and zelle failed to investigate my claims adequately. They inform me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding 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. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Mortgage

Mr. Cooper is my mortgage company. I have contacted them numerous times, including twice on XXXX. The company has refused to pay the taxes out of my escrow for my second piece of property and the penalty acquired on both pieces due to their lack of accepting responsibility when acquiring my loan from the previous company. I had to pay due to the threat of garnishment due to my being a XXXX employee. XXXX XXXX has repeatedly ignored my request for the second piece to be paid, never even acknowledging the property in previous complaints. I can not believe the audacity of this company to think that it is ok allow penalties to occur and then dump the fee on the consumer. I would not recommend this company to anyone and will pursue whatever means necessary to make sure this company does not do this to another individual. I have had to pay the taxes/penalties, lost time at work, spend numerous hours on phone and have multiple emails to document the attempts to resolve this situation. I believe they are stealing from consumers due to their admitting that it happens all the time and it needs to stop.
Product: Money transfer, virtual currency, or money service

I deposited a check in US dollars from XXXX XXXX bank in XXXX on XXXX XXXX. 
I was told from banker it would be tops 20 days they were sending for collections. I called 2 weeks later to check but no one at Wells Fargo could find my deposit. So I said I have a receipt and copy of check. Finally after several calls I received letter confirming my deposit. I have the rudest costumer service and each department including 2 bank managers have told me different times. I said I deposited that under false and incorrect information which I trusted my bank Wells Fargo with. So today I went to bank to get copies of what I supposedly sign per the foreign exchange department and the bank manager gave me a blank one and could not provide me with what I signed. Now the day I deposited the lady said heres your copy of everything and the deposit collections form receipt. She did not have me sign. Now to this day No one at any department including executive and costumer arbitration can help or tell me when. The check is for XXXX I explained to them I am for the first time in my life on XXXX due to XXXX XXXX of I am depending on that money and did my finances according to the 20 days and now no money no check and XXXX XXXX XXXX is getting turned off cable shut off no payment for daughters XXXX pictures and late car payment. They had absolutely nothing to say. They could of even called bank in XXXX like I did to at least verify funds and release some of money by now as were approaching 6 weeks. 
The XXXX  in foreign exchange was arguing about price of XXXX  pictures saying he has XXXX daughters and it didnt cost that much. I said it doesnt matter what I pay for pictures what matters is my money He said you should read what you sign.
Product: Mortgage

I was late for my mortgage payment due XX/XX/XXXX and didn't realize it because my mortgage was transferred from Guaranteed Rate to Fifth-Third Bank and hadn't had a chance to set up the autopay yet. I never received a phone call or mail regarding my payment being late until XX/XX/XXXX at my work number. Apparently Fifth-Third didn't have my cell phone number on record, probably because the mortgage was transferred from Guaranteed Rate without all of the information. I made a payment over the phone during that same phone call and was told that the late fee could be waived because I was unaware of my being late. I was also given information on signing up for autopay and have already mailed in the paperwork. However, I noticed that my credit score dropped almost 200 points because of this one incident and am VERY upset because this greatly affects my credit for my first and only offense where I was not even notified about it until it was too late. Also, I wasn't reminded about being late via email or mail. Is there any way to reverse the detrimental report to the credit agency? I tried calling customer service already but was told that nothing could be done. I am very upset because I didn't even choose Fifth-Third as my mortgage bank and it was transferred over recently and I'm very upset with this experience.
Product: Money transfer, virtual currency, or money service

My issue is with Blockchain.com and from what I understand more people have been through the same thing. Ive now been waiting almost XXXX months for my XXXX to be completed and this has not been done. Ive repeatedly reached out to Blockchain and they refuse to update my case. 

It all started with their platform not allowing me to withdraw my funds and I reached out to them. I was told to reset my password as to reset XXXX so the issue can be fixed. Ive done that and then they asked for additional information which i provided them. After that Its been over a month since they answered and I keep opening new tickets however they keep telling me they cant access that case and that the relevant team would reach out but this has still not been done. 

I have over {$500.00} on their platform which is a substantial amount and I have no access to these funds for months now. 
I would like my funds to be moved off their platform as its been basically held hostage for months regardless of me providing the necessary information. 

My XXXX XXXX is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom May Concern These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Address are these below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XXXX/XXXX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments
Product: Credit card or prepaid card

I opened a care credit account for dental work. The account was supposed to be interest free if the account was paid within the promotional period. I subsequently had additional dental work done, each with a new promotional period. Synchrony bank arbitrarily applied the payments to whatever promotion they wanted and paid off more recent activity prior to older activities. This action and deceptive practice threw the first promotion into expiration and I was subsequently charged over XXXX $ in back interest. I was not made aware of where synchrony was applying payments or given an opportunity to rectify the situation. Synchrony care credit is sets you up for programmed default then slams you with steep interest fees without even giving you the opportunity to know where your payments are being applied. They are deceptive, uncooperative and fall back on some boiler plate terms that in the end XXXX you over.