23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX Has violating my rights. 

15 USC 1681 section 602 states have the right to privacy 15 USC 1681 section 6048 section 2 ; it also states of consumer reporting agency can not furnishing account without my written instructions 15 USC 1666B ; a credit or may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose
Product: Mortgage

My family and I found a beautiful short-sale home from Chase Bank in XX/XX/XXXX. We placed an offer that was accepted by both the seller and the Chase bank but, in XX/XX/XXXX Chase came back and requested more money. At XXXX we offered {$260000.00} using a VA backed loan with the seller covering all closing cost at 2 %. When chase came back requesting a final offer in XXXX, we raised our offer to {$270000.00} with the seller covering closing cost at 3 %. This was accepted and on XX/XX/XXXX we went to settlement and close on the home, all documents were signed and I was given the keys to our new home. However, a couple hours later my realtor and broker called to inform me Chase did not accept the HUD-1 statement and wanted more money to the tune of {$3500.00} ( {$2000.00} escrow and an additional {$1500.00} ). As a XXXX and wounded veteran I was appalled by the GREED and DISHONORABLE behavior displayed by employees of Chase bank that are willing to let another veteran ( the seller ) go into foreclosure for {$3500.00}.
Product: Mortgage

In the year XX/XX/XXXX I missed paying my first installment of my property taxes by the XX/XX/XXXX. At that time Live Well stepped in and paid both installments then refused a repayment program with me. After I was finally able to get a repayment scheduled they gave me a payment plan in which I accepted. After a few months of paying this they refused payments from me all of a sudden and tried to foreclose on my home. I took them to court over this and won. I received a new payment plan from the courts and have been paying on it ever since. Now this year XX/XX/XXXX I contacted the tax office to ask a question about a payment to my taxes only to find out they had already been paid in full on the XX/XX/XXXX. Not only did they step in and pay them early they did it without my knowledge and wants to charge me over XXXX dollars for them paying them. They also will not allow me a repay on it. I sent them XXXX dollars with a letter to put it towards the XX/XX/XXXX taxes along with the regularly scheduled payment for the XX/XX/XXXX taxes. They chose to ignore my letter and put the whole XXXX dollars towards the XX/XX/XXXX taxes and now they are refusing to let me pay for the XX/XX/XXXX taxes and are also refusing the court ordered XX/XX/XXXX payment which is almost paid in full. They have just decided they are foreclosing on me no matter what. They are the ones who paid my taxes early without even giving me till the due dates. They are also the ones that are refusing the court ordered payment for no reason.
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 Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

So I filed a XXXX XXXX  bankruptcy and 5 years into the bankruptcy which was a 6 year plan west lake financial goes and adds later payments to my credit about 4 1/2 years worth when I was already protected bye bankruptcy Ive disputed this multiple times and they refuse to fix this on both me and my wifes credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, aswillful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX  XXXX XXXX Balance Owed : {$5900.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated, and a proper investigation was done, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. this is grounds for removal they also violated my rights under 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 card or prepaid card

As I tried to pay for this card, the app was disable and was never able to get someone in customer service to elp.

I tried to call and was always on the phone for more than 20 minutes just to try to get a hold of anyone to explain that they had cancel the card and at the same time they deactivated the app so i just couldn't do any payments. 
this was going on for more than 3 months of me trying to get a hold of someone to activate the app so i could pay the card ; witch i was never able to. 
Finally i got someone on the phone to solve the problem and I was able to pay and close the account.
Product: Money transfer, virtual currency, or money service

This is a continuation of a prior complaint. As you can see from the response from HSBC, they accept that they were at fault for providing erroneous wire transfer information which resulted in funds being lost within HSBC. While they responded that they will look into the matter if provided with evidence that the wire transfer was made, they continue to refuse to look into the matter despite have been provided the XXXX  ( XXXX ) which proves the funds were sent to HSBC. Please note that this is complete fraud. HSBC either lost or has taken funds wired to me and refuses to credit those funds to my account. XXXX XXXX has repeatedly said that if HSBC has any questions, they should contact them - which HSBC has not. This is not a matter of he said she said. HSBC acknowledges that they provided the wrong wire instructions for the funds to arrive in my account. Despite that, these funds were still credited to HSBC 's general account, so are still sitting there. You will notice that their response is also incorrect, as they claim the funds were never received AND rejected. If you did not receive the funds, you can not reject them. That said, XXXX XXXX has provided the XXXX to prove the funds did arrive at HSBC. Given these facts and given your oversight role of HSBC, I would appreciate it if you could instruct them to locate the funds ( XXXX ), credit them to my account, and also pay the back interest for 5 months as this was their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I issued a written dispute letter to EXPERIAN, about an unauthorized inquiry on my credit report. On XX/XX/22 EXPERIAN, implied that the reinvestigation was complete and the information was verified as accurate according to their own decision. I strongly believe that EXPERIAN is in violation of 15 USC 1681a ( e ) for not conducting the proper investigation. EXPERIAN is tarnishing my general reputation and good creditworthiness by allowing this unauthorized information to remain on my consumer credit report.
Product: Credit card or prepaid card

I received a Credit Inquiry alert from my bank. When I researched it was from Bank of America and Spirit Airlines. I have not done business with Bank of America in over 30 years and have never flown or inquired about Spirit Airlines. When I contacted Bank of America they had a credit card account open in my maiden name with a very old email address. This was was done without my permission. I have frozen my Credit Reports and contacted Bank of America to report the fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are harming my ability to obtain credit
Product: Credit card

I purchased an item with a discount price {$14.00} at Victoria 's Secret and applied for a store credit card, which I never received by mail. On XX/XX/XXXX, much earlier than the due date, I made a {$14.00} payment over the phone and received confirmation that the payment had been processed. Today, XX/XX/XXXX, I received a call from a private number claiming I owe around {$68.00} ( approximate amount ) due to a bank rejection. During the call, the person insisted they had all my information and offered to reduce the amount to around {$38.00} if I agreed immediately. However, I grew suspicious, so I contacted customer service again. They mentioned a different amount owed, around {$71.00}, and asked me to check my bank statement for any record of payment rejection. Yes, I found no record of the {$14.00} payment or any related transactions. But shouldn't I have received any information about this rejection or subsequent charges earlier, not until today? I firmly believe I should only owe the initial {$14.00}. Therefore, I've requested the account be closed to avoid any further interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and XXXX XXXX, XXXX. Account # 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: Payday loan

National Credit Adjusters has contacted my friends and contact me on my job requesting me to money towards a payday loan that I have already paid for 6 months ago. When I requested for him, XXXX XXXX, to stop calling and harrassing me me on my job, he stated that is not harrasment and then he began shouting that he will take me to court. I would like this harrassment to stop., Please help.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Private student loan collector contacted me by phone at my place of business on XXXX/XXXX/2016. I requested they not call there because it causes professional damage and cited the Fair Debt Collection Practices Act. I told them they could contact me via mail. They then contacted me again at my place of business on XXXX/XXXX/2016 and I requested again to not contact me at work.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not even verify any information as the should be law. I contacted the creditors of the fraudulent accounts and they had different Addresses and phone numbers in their file. This is a clear violation of the section 605B of the Fair Credit Reporting Act and Transunion should be held accountable.
Product: Bank account or service

Hello everything was not cleared and this is another complaint. I had mentioned in the complaint before to clear it with the bank of the debt I owed, and the bank did there job and when I went to open an account after being told it was clear from the Chex Systems credit. It has not been cleared, I need to open an account for my job it is required and I am unable to due to the fact Chex Systems has n't cleared it and I am being told to many things for something not to have been handled by now.
Product: Credit card or prepaid card

On XX/XX/22 made a payment in the amount of XXXX on my credit card. My funds are not available due to a review. Every time I make a payment it takes 8 days for it to go thought and When I attempt to use my card the charge me over the limit fees. One time months ago I made payment from the wrong account but fixed it as soon as I noticed it and they wont have any of my payments go though any more. Its total XXXX that they are taking advantage of me. When I have tried to address this with customer service I get hung up on or transferee to a line that takes hours on hold to get though to.
Product: Checking or savings account

This letter constitutes a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, for engaging in fraudulent business practices. On XX/XX/year>, XXXX XXXX XXXX XXXX, a XXXX  XXXX, pre-paid XXXX {$6200.00} for proposal writing services as detailed in the website services description. XXXX guaranteed two proposals per month for twelve months. 

To date, XXXX has failed to deliver any proposals. Furthermore, evidence suggests that XXXX misrepresented the employment status of individuals involved in our case. A purported proposal writer contacted me via XXXX, admitting they were not employed by or affiliated with FGA. This and similar complaints filed by twenty-eight other businesses strongly indicate a pattern of intentional and fraudulent conduct. 

FGAs actions have caused significant damage to XXXX XXXX XXXX XXXX, resulting in the loss of potential government contracts. Despite the lack of service provision, XXXX continues to attempt unauthorized withdrawals from our bank account. 

We request an immediate investigation into XXXX  fraudulent activities, including but not limited to, misrepresentation and breach of contract. We also ask that XXXX be ordered to cease all attempts to withdraw funds from our account. All supporting documentation, including the contract, XXXX communication, and bank records, are available upon request. 

We contacted our bank, Bank of America, to file a fraud claim and rectify the situation. Bank of America put a stop payment on the check, returned our funds, and later reversed the decision and paid XXXX. 

Bank of America Customer Satisfaction Department XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX  i was robbed at gunpoint for my car and phone. My phone had copies of my social security card and photo ID and my phone had no passcode. I believe thats how m identity was accessed in order to open these accounts because no one had access to my information other than that person, that I am aware. Upon evaluating my credit report i noticed numerous things or accounts reporting that i did not know anything about or authorize. 

Two auto loans are listed one from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  that i did not authorize. 
An account with XXXX XXXX XXXX which says its original creditor is XXXX Also lists XXXX HARD inquires XXXX XXXX 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
Product: Mortgage

What happened? I have a previous complaint filed with your organization against Ocwen Loan Servicing LLC . The Submission # is XXXX. The complaint status button is not working so I am submitting my complaint via this site. I initially requested to close my escrow account and to make payments directly for property taxes and hazard insurance. After much delay Ocwen denied my request and gave numerous reasons by varying sources such as : ( 1 ) The property is a planned unit development ; ( 2 ) The property is an investment property ; and, ( 3 ) The property must be owner occupied. It was extremely difficult to speak to someone in their escrow department by telephone. They became more responsive once Consumer Protection Bureau got involved. 
Further, they are holding excessive amounts in an escrow account as they have erroneously captured the amount of hazard insurance I pay each year. They continue to hold the incorrect amount even though I have provided numerous letters with the correct amount and they have also contacted the insurance company. I have sent documentation to your organization and have attached below the correspondence between Ocwen and myself for the past 5 months. You can clearly see I requested an escrow account review due to the erroneous insurance premiums they show in their system to no avail. 
In the most recent response ( dated XX/XX/XXXX ), Ocwen stated, " In accordance with California Financial Cose, under Division 6 section 17000, Ocwen must not require a borrower to have an escrow account for property taxes, insurance premiums, or other payments regardless of payment history, if the property is a single-family, owner-occupied property. '' I met all of their conditions to have the escrow account closed ; however, I believe they are using this statement as some type of loop hole to surreptitiously and in bad faith deny closing my escrow account. Further, they show hazard insurance as {$1300.00} when it is only $ XXXX year and was aleady paid by me in XX/XX/XXXX and not due again to XX/XX/XXXX. This error causes them to hold an excessive amount of my money in an escrow account. Furthermore, and to add injury to insult, they say I have an escrow shortage when if they correct the issue it would be an escrow surplus. I continue to go back and forth with them to no avail, while they continue to hold excess monies in my escrow account and to circumvent their own rules and misrepresent current CA law and not close my escrow account.
Product: Credit reporting or other personal consumer reports

I have asked XXXX XXXX and Equifax several times to fix the issue on my report showing that I have two XXXX accounts. They are showing one ending in XXXX and another ending in XXXX. The one ending in XXXX should not be open and is a fraudulent account. I only have one XXXX card and that is the one ending in XXXX. The one ending in XXXX is a closed account that is fraud.
Product: Credit card

I was alerted that my account had been placed on a fraud hold. I contacted Synchrony Bank regarding my Banana Republic Visa to learn that they had allowed inappropriate access to my account to an unauthorized person and completed an address change. As a result, Synchrony Bank closed my account and confirmed all account details with me, including the correct mailing address. However, when the new cards were sent, with a new account number, Synchrony Bank sent the cards to the wrong address - the address that had been the cause of closing the original account. So, after closing the account to suspend access to my account Synchrony Bank was negligent in not ensuring that the correct address was used for the delivery of my new cards. Synchrony Bank has now had to close the XXXX account and open a XXXX account. They have refused to give me online access to my account rewards until XXXX billing cycles pass, despite the fact both accounts were closed because of their mishandling of my sensitive account details. Due to this oversight on their part, I asked for them to compensate me for a subscription to a credible identify theft program ( i.e., XXXX XXXX ) to assure me that they did not further compromise my personal details. They declined. Synchrony Bank and Banana Republic Visa have not demonstrated they are committed to ensuring this does not happen again, nor have they ensured that I am satisfied with the resolution they presented.