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

Unaware that paypal saves all companies and set them up in my account under " automatic payments ''. I've never knew of this before until last when XXXX mysteriously charged my bank account for my purchase instead of my preferred payment method on my paypal account. I set my credit card as the payment method for a bid prior to bidding. Again i've seen or had to do that either. Fast forward I won and within 30 mins post auction i changed my cc to a different one on their website thinking that's what they'd use per their terms. I have 2 transactions on the 1st cc that they tried to charge, TWO for XXXX that i wasn't aware of until logging into my paypal account. I then get a notification that my debit card was charged for XXXX. Odd because i input my cc which they allowed up until an hr after the auction. I was confused about this. I called and spoke to XXXX and XXXX. XXXX says they don't choose the card to be charged in XXXX XXXX said XXXX has an agreement with my debit card. I never signed nor agreed to any agreement to remove funds from my debit card. The old card i had on their was lost 3 yrs ago. What XXXX did was automatically update my new card in their system without me knowing. Why i didn't know? Because my old card number was still on there. If i intentionally was trying to use my debit card i would've personally input my new card number. This transaction is fraud and XXXX convinced me to open a dispute which pushed XXXX out the equation for me requesting a order cancelation. XXXX and XXXX knows exactly what they did. Adding vendors to an " automatic payment '' category without my knowledge is bull. Not only that the category is hidden, you have to dig for it. I have been trying to remove XXXX ( i didn't know it was under the auto pay ) from the category and XXXX. Everytime i log back in both are still under there. I choose my payment methods. What gives XXXX and paypal the right to choose them for me. What gives them the right to add vendors on auto pay? I'm not on auto pay on my XXXX account or XXXX for anything and never had been. The transaction is fraud and i want my money back. If the seller tries to ship i will decline it because i didn't authorize the payment to come from debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX ) CC : Federal Trade Commission ( FTC ) CC : XXXX, Equifax, XXXX Dear XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ), I am writing to dispute the charge-off that appears on my credit report for account XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law

( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. Firstly, I was not properly informed of my rights and responsibilities unde
r the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder.

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous.

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred.

Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report.

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/ we deposited a check from our insurance company for a recent claim we made on our roof for the amount of {$10000.00}. The check was issued to my husband, me, and our mortgage company Mr.Cooper. 

We deposited the check not knowing that the mortgage company needed to endorse the check. The bank took the check, did not tell us that the check was not properly endorsed, and a hold was placed on the check for 24 hours. The following day, my husband received an email that the hold on the check was released and the funds were deposited in our account. Upon review, the funds were in the account but a hold was on the entire account for the amount of the check XXXX XXXX  ). My husband then went to the bank and was informed that the hold was there because the check wasn't endorsed correctly. We were told to send a Check Endorsement Release form to the mortgage company. After faxing that over to them, we have not had any progress. It is almost 2 months into the matter and the bank and mortgage company are going back and forth and we have no answer. Mr.Cooper needs to send us the Check Endorsement Release form and all will be well. But they refuse to transfer us past a supervisor. Again, its been 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name is XXXX XXXX, XXXX : XXXX was a fraudulent account and paid in full still shows in my credit report. 

XXXX XXXX XXXX : Nothing is due account was closed long back still shows negative in my credit report. 

Discover Credit  card was a fraudulent charges was paid and cleared up still shows up in credit report XXXX XXXX XXXX Never used never asked for credit card and they are charging me? 

XXXX card fully paid and current shows potentially negative and late payment? 

XXXX XXXX : is in good standing and never late still shows in my credit report. 

XXXX XXXX : Product was returned and confirmed with vendor servicing XXXX, however they are still charging me and sent for collection.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had become a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX  unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. OFFICE OF THE ATTY GEN - XXXX
Product: Mortgage

I have been trying to get a mortgage modification from Wells Fargo for nearly five years. Recently they came up with an offer of {$960.00} per month over 281 months at an interest rate of 3.75 %. My previous payment was {$910.00} per month. If I can not afford {$910.00} per month what makes Wells Fargo think I can afford {$960.00}? I feel that Wells Fargo has NOT done everything possible to get me a lower monthly payment. There are several solutions I have been able to figure out, what ca n't Wells Fargo? About 6 months ago Wells Fargo made a big deal in the news media about giving a new home to a veteran for free. Now they are trying to make another veteran homeless. I am not asking for a free home, just an affordable one. All that good will that free home got wells fargo could be wiped out with the news story of wells fargo swindling another veteran out of their home.
Product: Vehicle loan or lease

My account is charged off. Ive been making payments every single week now to stay current my monthly payments is extremely high they wont work with me to refinance and get lower payments I am 1month behind and received a letter saying if I dont make a full payment within 4 days from now they will repossess the car without further notice
Product: Mortgage

Recieved notice of failure to pay county property tax. Provided notice to XXXX XXXX via phone in XXXX and was told that it would be handled. Escrow shows a payment made for incorrect amount ( less penalties ) Recieved another notice in XXXX and again called XXXX  and was told XX/XX/XXXX it would be handled. Recieved another notice from the county on XX/XX/XXXX. Again called XXXX. Recieved notice via email that taxes were paid on XX/XX/XXXX again for incorrect amount. Called the county clerk XX/XX/XXXX and no payments have been made. Payment is now in excess of {$3500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : NXXXX XXXXC XXXX of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX Date of inquiry XX/XX/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
Product: Mortgage

I received notice of an escrow shortage from XXXX XXXX. That letter stated that I had the option to pay the shortage outright by XX/XX/XXXX or to accept a payment increase on XX/XX/XXXX which would ( over time ) correct the shortage. I elected to pay the shortage outright and they received my payment on XX/XX/XXXX. Because the escrow shortage was less than the regular payment amount, they placed the funds in suspense. I sent a secured email ( ref ID XXXX ) through their website on XX/XX/XXXX which informed them that the payment was to cover an escrow shortage. On XX/XX/XXXX I checked the account and LoanCare had misapplied the funds ( as loan curtailment ) so I called and was told that my XXXX payment ( for the increased amount ) would not change. I replied I would pay my regular amount and not the increase because I complied with their instructions and they misapplied the funds. There was similar miscommunication relative to escrow shortage when XXXX assumed servicing for my loan in 2015.
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 Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : FRONTIER AU Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account name : DEPT OF EDUCATION/XXXX  Account Number : XXXX has violated my rights. Or 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 a 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.
Product: Mortgage

I paid for a house appraisal in XX/XX/2016 asked for by AFR doing business as Elend. I had applied for the Refi loan in XX/XX/2016. I submitted all documentations they asked for. It took them so long to process the loan papers that the " 4 '' months window for the validity of the appraisal ( per their loan employee ) they gave me, expired. In XX/XX/2016, they demanded that I re-appraised my property again. I objected as it was on their end that the process stalled. I asked for a refund for the appraisal costs as I found a more reputable company to process my loan. The loan officer I spoke to at eLend refused to reimburse me. I, then, contacted a law firm, gave them the factual information and they wrote a demand letter to eLend on my behalf asking them to reimburse me for the appraisal fee. The law firm for the eLend, AFR, company emailed me a legal letter stating that they do not refund money. When I received the letter from AFR, I contacted the law firm I asked for advice and they advised me to contact yours and other agencies who could be better able to help me to file for a complaint. The company information in question is- AFR American Financial Resources , inc. doing business as eLend. I would like to file this complaint as a warning to other borrowers who may want to do business with this company. I researched eLend online and found that there are also many other people who lost money the same way I did dealing with this company. If legal documentations, emails between eLend and I, etc., of the facts stated above, needs to be presented please let me know and I 'll provide it.
Product: Payday loan, title loan, or personal loan

Sezzle has caused my credit score to drop due to incorrectly reporting that I still have a balance of {$150.00} to pay off with them, when in fact it was paid in full. They also incorrectly reported that I originally had an available credit limit with them of {$970.00}, which I never did. My account is paid in full and I only have an available credit limit of {$600.00}. Once they correct this information, my credit score will still drop due to the {$370.00} difference of the actual available credit. They are supposed to be updating this information on a monthly basis but obviously aren't. This report on my credit shows the status updated as XX/XX/XXXX and it's now XX/XX/XXXX.
Product: Prepaid card

Bought Vanilla Gift Card from XXXX in XXXX of XXXX. Card was locked. Finally had card unlocked and it had been used at a XXXX XXXXXXXX store. I reported this and they locked card and said they would investigate. Contacted them today on XX/XX/XXXX. They said case close because I didnt provide documentation. Card is still unavailable to be used. I paid {$500.00} and unable to use.
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 violate the Consumer 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 proce 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 135 financial loss, and I seek appropriate redress for the violations.
Product: Debt collection

Consumer does not owe a debt. Consumer is formally notifying debt collector ( Sunrise Credit Services , Inc. ) of legal reason 's why consumer has rights to dispute debt and refuse to pay a debt consumer does not owe. ( 1 ). Consumer has no fiduciary or contractual obligation to a third party debt collector because there is no exchange of any benefit or detriment with ANY future collection agencies, junk debt buyers ( JDB ) or collection law firms. There will be no enforceable agreement. No payment history, nor products, or services has been rendered to such entities because these elements do not exist ; there is a 'failure of consideration ' and no valid agreement, contract or fiduciary obligation under federal law that requires payment to such parties. ( 2 ). Consumers sole income is Social Security income which is federally protected income under the Social Security Administration Act ( SSA ) ; Sec. 207. [ 42 U.S.C. 407 ] ( a ). Consumer has a copy of consumers Social Security Award letter as proof positive protected income. Please be advised : Under compilation of the Social Security Laws Section 207 [ 42 U.S.C. 407 ] ( a ) which states : the right of any person to any future payment under this title shall NOT be transferable or assignable, at law or in equity, and none of the moneys paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or other legal process, or the operation of any bankruptcy or insolvency law., whether consumer gives permission or not a consumer does not have the authority to authorize garnishment of a federally protected account. Under Nebraska Revised Statute Section 25-1563.01. ; the same Supreme Court ruling applies in this matter. ( 3 ). Consumers protected income presents a genuine issue of material fact that if a summary judgment is granted ( after receipt of this formal notification ) it shall be construed as a deceptive, frivolous, abusive and harassing process that can garner monetary retribution for consumer. Consumer is impoverished and refuses to be a victim of unjust enrichment and extortive tactics. Furthermore, a federal ( and civil ) lawsuit will ensue if consumers Social Security income is tampered with after receipt of this formal notice. Consumer thanks the CFPB for all it does to mediate and protect the rights of Consumer 's in this venue. Consumer will NOT respond to any ( PERSONAL ) emails from representatives of Sunrise Credit Services , Inc., sent to consumer beyond the " CFPB consumer portal '' ... ... due to a personal email provided in this venue.
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 XXXX XXXX XXXX XXXX XXXX : 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 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 infor mation 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 or other personal consumer reports

I am writing to formally submit a complaint regarding an issue with Equifax, XXXX of the major credit reporting agencies. It has come to my attention that Equifax is not reporting any information or records associated with my credit identity, despite my active use of credit monitoring services. 

I have reviewed my credit report and found that no information is reflected or updated within Equifax 's records. This is in contrast to my other credit reports and monitoring services, where my credit information is actively reported and up-to-date.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my disappointment and frustration with Equifaxs failure to remove inaccurate and unfair items from my credit report. Despite my previous disputes and requests for correction, Equifax has not taken the necessary action to remove the collection agency charges, charge-off account, and late payment records that are unfairly impacting my creditworthiness. 

I have submitted multiple disputes providing sufficient evidence that these items are either inaccurate, outdated, or unfairly reported. However, Equifax has failed to conduct a thorough investigation or provide a valid reason for their refusal to remove these damaging items. This negligence not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but also hinders my ability to access fair financial opportunities. 

I request immediate action to review my dispute again and remove these accounts from my credit report. If Equifax fails to correct these errors, I will have no choice but to escalate this matter further, including filing formal complaints with the appropriate regulatory authorities. 

I expect a prompt response and resolution to this matter. Please confirm receipt of this complaint and provide an update on the steps being taken to address my concerns.