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

At XXXX on XX/XX/XXXX, our Discover Bank checking account was hacked, fraudsters called from Discover 's number to state fraud charges, verified my information, though they were already in my account reading off debit purchases to me, turning off notification settings to alert me to wire transfers. My email was spammed, I searched for Discover emails feeling uneasy, and saw a {$21000.00} wire was initiated to XXXX XXXX. I called Discover within an hour of the initial call from who I thought was Discover, they began a XXXX recall. XXXX XXXX called me with a reference # to the wire to confirm, I called back and confirmed it was fraudulent. I was told the next day when I called Discover ( XX/XX/XXXX ) that in the SWIFT recall messaging between banks, Discover had reached out to XXXX XXXX to state the wire was fraudulent and XXXX XXXX had reached back out to confirm. I was told they would stop the money, and once the money was returned, it would go back in our account within 24hr. XXXX XXXX gave me a fraud escalation case #, then said Discover would handle it with them from there. XXXX XXXX has since said they can not give information to me since I do not have an account with them. Discover told us to call for updates, and we have done so weekly for almost 3 months. A coupe of weeks ago on a call, a Discover associate, XXXX, told us she found a form that XXXX requested from DB that was not completed, so the recall was closed. She stated she re-opened it, but this was concerning that someone dropped a ball in protecting our money and following through, so we reported this to the FDIC. Today, I was told again that the initial recall " tracker '' was closed, 8 days ago on XX/XX/XXXX, and that if XXXX sent the {$21000.00} back to DB, we would get it back, but that they were " waiting on XXXX XXXX. '' Not only was our account information breached where someone was able to access our bank account and personal information before any of this, but we notified DB and XXXX within an hour of the fraudulent wire and were told they were able to start the recall. Discover Bank has neglected to protect us as consumers, even though I actively am enrolled in the identity protection services from them. We can not function without that money. Please, someone help!
Product: Debt collection

Hi, I am writing this complaint in regarding Caine & Weiner poor customer service. I spoke to a manager by the name of XXXX XXXX. I informed XXXX of the federal laws that protects consumers under FDCPA and FCRA. She was misinformed on the FCRA federal law 15 U.S. Code 1681b ( a ) In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I HAVE NEVER GIVEN WRITTEN PERMISSION TO ANY CONSUMER REPORTING AGENCY TO REPORT ABOUT MY PRIVATE DEALINGS OR INFORMATION. THE SHARING OF MY PERSONAL INFORMATION WITHOUT CONSENT IS IDENTITY THEFT. I HAVE NOT GIVEN CONSENT TO ANY CONSUMER REPORTING AGENCY EVER OR CAINE & WEINER. XXXX did state at the beginning of the call the debt miranda. I asked XXXX if her company has to abide to the FDCPA federal law. She refused to answer along with disconnecting the call. She violated 15 USC 1692e ( 2 ) by stating I owe any allege debt in the amount of {$300.00}. They are using false representation by stating they are working for progressive pursuant to 15 USC 1692e ( 10 ). XXXX XXXX said she believes I was reading from XXXX. I quoted her federal laws from FDCPA. Caine & Weiner should educate their team on federal consumer laws and this will prevent from further lawsuits.
Product: Credit card

I believe the account is invalid. Barclays Bank Delaware needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. Barclays # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY EARLY WARNINGS REPORT AND I NOTICED SOME DISCREPANCIES ON MY REPORT AND I WOULD LIKE FOR THEM TO BE REMOVED FROM MY REPORT IMMEDIATELY. SEE ATTACHMENTS FOR REFERENCE AS IT CONTAINS SENSITIVE INFORMATION
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against SoFi Bank due to their failure to provide a paid in full letter for a personal loan I paid off on XX/XX/year>. I need this document for a time-sensitive mortgage closing early XXXX, and SoFi has refused to provide the letter in a timely manner, stating that their system only generates such letters at the end of the month when they send updates to the credit bureaus. This delay puts my mortgage closing in jeopardy and may result in significant financial and personal harm.

When I contacted SoFi customer service, I was informed that no one in customer service can connect me to a banking representative to address my matter. Despite my repeated attempts to escalate the matter, I was only able to get a generic ticket created in their system, which was promptly ignored. So far, there has been no resolution, and SoFis customer service appears unable to forward my issue to an employee authorized to handle banking matters. 

A paid in full letter is a basic banking service, and other financial institutions routinely issue such documentation upon request. I have provided alternative documentation ( e.g., a printout of my loan status showing a {$0.00} balance ) to my mortgage lender, but they require an official letter from SoFi that includes identifying details, such as my name and loan account number.

SoFis inflexible and unresponsive process is now preventing me from meeting my mortgage lenders requirements, and their inability to provide this letter in a reasonable timeframe may cause me to miss my mortgage closing.

This issue reflects a failure on SoFis part to provide basic customer service and banking functions. I respectfully ask the CFPB to hold SoFi accountable for its inability to resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The Experian and XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX **** Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am being ignored and Experian is violating the FCRA. They did not provide me with evidence of these unverified items they are reporting.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification from my bank regarding the deposit of the stimulus check and unemployment benefits. On the day, I called Chase to request 2 overdraft fees to be waived due to financial hardship caused by the pandemic. I was awarded the request and advised by the female representative that I could call to request assistance as long as it was covid related. Once I verify my bank account on the app, I noticed that there was another deposit made by chase that is labeled " Govt. Stimulus Chase 30 day Overdraft Assistance ''. I thought, " wow, is awesome that chase decided to help their clients during these times ''. I proceeded to see how much I had available in order to know how I would be distributing the funds. I had rent, phone, utilities, car, credit cards past due. On XX/XX/XXXX, Chase sends a secure message to my account indicating that the funds deposited as " assistance '' had to be paid back within 30 days. By the time I read the message, 2 weeks had passed as I was dealing with my financial crisis as well as my health. On the XXXX, chase sends another message to the account indicating that on XX/XX/XXXX, the funds given would be deducted from the account. I responded to their message today XX/XX/XXXX, but I would receive a response within 2-3 business days. I decided to call once I sent the message. The representative who assisted indicated that since they had notified that would have given people time to call and return the money. Right now all chase is offering to do is charge the account on the XXXX of XXXX and not charge any overdraft fees for 3 days to give time for the funds to be placed in the account. At the moment, I am still waiting for unemployment to pay out for 4 weeks. I do not know when they will be deposited since the department of unemployment indicated they would pay during the last week of XXXX but XXXX is only 3 days away. Another issue this brings is the dubious and shady actions of chase Bank to place funds in an account and label it as some form of assistance being provided to then be informed 8 days later that it was actually a loan placed by the bank without consulting the consumer. I am calling it a loan because their wording was misleading and incorrect.
Product: Vehicle loan or lease

Please reference complaint number XXXX When asked how this could be resolved I left out that I need to make sure my credit is restored and does not show late payments that they accused me of since they had lost my check.
Product: Debt collection

Account resolution services XXXX XXXX XXXX XXXX BXXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL XXXX This is definitely a fraudulent account I am disputing this as well
Product: Bank account or service

On or around XX/XX/2016 BBVA compass charged me XXXX NSF fees {$38.00} each total {$74.00}. I have told them repeatedly before this incident that I do not want that type of account. I want a prepaid type account ( if there are no funds, there is no fee but the item is not paid ). Each time they have assured me this would not happen.
Product: Debt collection

Car dealership went bankrupt and closed all businesses in XX/XX/year> and filed for bankruptcy late XX/XX/year>. I late found out that Westlake Portfolio Management claimed to have taken over U.S. Auto Sales contracts and I owe them now. I request a copy of my contract. They sent over something else that wasnt my contract. It didnt have my signature or the right amount owed. They started my car loan over and all. I been trying to get Westlake off my credit, I tried trading the car in so It wouldnt hurt my credit but now Im stuck with a car and debt that is not owed by me.
Product: Credit card or prepaid card

I applied online for a lowes/synchrony credit card. I provided all the required information including a biometric scan and images of both sides of my State issued drivers license online. 
I received an error message that said I needed to go to a Lowes store and apply which I did. The store personnel did not request the biometric facial recognition data or the copies of my drivers license and they informed me that I was denied. 
I have more than 10 C d accounts and a RoomstoGo/Synchrony account all in good standing. 
Now I am being told that Synchrony can deny credit for any reason they so choose. This is a direct violation of The Fair Credit Reporting Act as it is worded. 
I need to know if I can expect this kind of disfunctional credit assessment due to unannounced changes to lending policies which do not mention that this new requirement can be used, even when it doesn't work properly online or in store, to deny credit to a perfectly credit qualified individual.
Product: Debt collection

I was informed by my father in XX/XX/XXXX that he received a judgment notice for me. At this time I was not living in XXXX  anymore. I had relocated to XXXX  for my military obligations. I was contacted by the collection company but they told me I need to pay half of the money or the complete money which wasnt possible for my financial situation at the time. I was on unemployment benefits because I couldnt find a job. In XX/XX/XXXX after I felt like i could make monthly payments towards the bill I reached out to the collection company who informed me that since I lived in XXXX  now they would drop the case because they dont practice in XXXX XXXX They suggested I reached out to discover to negotiate a form of payment with them. I sent several emails to discover and I called several times I even sent a certified letter to ask about how to resolve the situation but i havent heard any positive response. This debt is affecting my ability to rent a new apartment on my own because I am asked to pay one month rent plus deposit as deposit before I can move in. I would just love for discover to work on a payment resolution with me so that this can come off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

***SOUTHWEST CREDIT SYSTEMS : XXXX, XXXX The account balance is incorrect, please delete. 

I expect a timely response from your Credit Bureau regarding my dispute. 

Thank you for your prompt attention to this matter.
Product: Debt collection

This collection agency is harassing my manager at work, as well as calling third party people who I have no association with. This third party is my boyfriends child 's mother. This debt is from 2012, and I have had no association with the child 's mother at the time or at all currently. I have no problem communicating with them however she was yelling at me stating she can call again if she wanted to referring to my manager and the third party. I also asked for a mailed statement and she said she does n't provide those.
Product: Mortgage

Since XXXX I dont escrow reason why Im a XXXX XXXX Im exempt from real estate taxes and since XXXX I have maintained home insurance and I pay insurance once a year. In XXXX I refinance my home with XXXX XXXX XXXX. From XXXX I have XXXX, XXXX and now Carrington mortgage services. I have been paying Carrington since last year XXXX and the other the same amount now since last month they raise my monthly payment they implemented their own insurance and taxes when theirs no taxes bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have expressed my concerns with synchrony bank along with XX/XX/XXXX and experian about this fraudulent account that is on my consumer report and each company refuses to delete the account from my consumer report. Even after i sent all the proper documentation including ftc identity theft affidavit. Furthermore not only does theXX/XX/XXXX trade line not belong to me they are reporting inaccurate information as well reporting a balance of {$4000.00} to XX/XX/XXXX and reporting a balance of {$4100.00} to experian that is proof that this company is reporting inaccurate information. Disregarding federal law that all information reported to a consumers credit report should be 100 % accurate i demand that this account is removed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$21000.00}
Product: Debt collection

In XXXX of XXXX I signed up with XXXX XXXX XXXX to clean up all of my credit card debt. XXXX 's was one of the cards that agreed to comply with them in XXXX of XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX that the account had been paid in full. I received a statement from XXXX 's in XXXX of XXXX saying that I owed {$10.00}. I contacted them XX/XX/XXXX and XX/XX/XXXX and was told by a supervisor there was a balance of {$6.00}. I explained everything and she found here it had been received from XXXX XXXX XXXX . M
y credit report STILL shows that I have a {$9.00} balance from XXXX XXXX and it has been paid in full for over a year and the card has been closed for almost 4 years.

There are very confusing and evasive to talk to even about your own account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated 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 Here I am sending proof that this account has different opening dates, and they are reporting inaccurate information as well. There is a discrepancy between agencies and I need you to remove that account from my credit report.

According to the Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ), furnishers of information have a duty to provide accurate information : They are violating my rights and are also reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called back in XXXX in the month of XXXX, XXXX I was advised to call the owner and I have called and sent certified letters and as of today 's date no response to any calls and or letters. I mailed the last certified letter back in XXXX XXXX 2017 and no response to anything.
Product: Credit reporting or other personal consumer reports

5 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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. 

Here are the accts I have question about : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Convergent outsourcing llc XXXX cell phone company owned by the mobile now I'm hoping that I have put the right stuff so this is take to the right people I had no knowledge of it I had this removed from my credit a while back then they changed the amount put it back on there I called the convergent explained it to them then was talked Into paying a lowered amount with them saying it would be removed and I wouldn't have to deal with it again. Like i had in the past I payed them and have proof then they turned around and told me after I payed they would not give me a delteion letter that it would get reported I o XXXX on it I was like I was told this would be removed they said they do not own it XXXX does i asked for proof they refused a letter stating such I contacted XXXX they refused to take it off and told me I have to pay them XXXX and some dollars more Account XXXX XXXX  Does have no opens to see what's ever owed they know I turned in and cut off services 3 days after getting it XXXX System states money owed for services 1 month started service XX/XX/2019 called canceled XX/XX/XXXX they said canceled on XX/XX/2019 when they got phones in mail after stating they didn't get them I have tracking number still if needed # XXXX There Account. XXXX convergentusa.com XXXX XXXX XXXX XXXX original talked to Called back in Payed XXXX XXXX XXXX XXXX to XXXX XXXX being transfered to XXXX XXXX to close out Account from XXXX Confirm XXXX payed in full XXXX
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 process was unfair and deceptive, as they didn't 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.