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

On XX/XX/XXXX  I contacted a seller via XXXX XXXX. The seller was selling a mouse for my PC and I arranged to meet with the seller now the item was new inbox meaning it was still wrapped in the plastic. while I was there nothing with the item looked out of place the plastic was intact Etc so I paid the seller via cash app and then headed home which was about 10-15 minutes away. Once I got home I removed the plastic and open the box getting ready to set up the mouse. When I opened the box I did not find a PC Mouse I found ripped up paper and small Pebbles shoved in a box. 

I've never dealt with such a situation so I went to cash apps website to find out what to do. 
https : //cash.appXXXX In this document cash app lists what to do ... however this section is an issue. 

How do I File a Dispute? 
If youve already contacted the merchant and are unable to resolve a transaction, you may be able to file a dispute. To file a dispute for a Cash Card transaction, you will need to select the transaction in Cash App. To do so : 1 Tap the Activity tab on your Cash App home screen 2 Select the transaction in question and tap the in the top right corner of the screen 3 Select Need Help & Cash App Support 4 Tap Dispute this Transaction. 

# 4 does not exist ANYWHERE in app where they send you just to get rid of you. This leaves no where to even submit a dispute. 

After reading thru the above link I reached out to cashapp tried to explain to there support what was going on, seller changed contact info so no way I can reach them. that seller was scamming people with there app and i was basically told they wouldn't do ANYTHING not even open a dispute or investigate doing nothing. I have reached out to them serveal times o. This matter and get same cookie cutter responses basically telling me oh well.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a collection account was placed on my credit report for an account previously paid in full. I disputed and submitted the proof in XX/XX/XXXX that the balance of {$1000.00} was paid on XX/XX/XXXX. And received and email on XX/XX/XXXX saying my new balance owed is XXXX. And it's still sitting on my credit report. The account information below : Account info Account name XXXX XXXXXXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX
Product: Checking or savings account

Each time I got paid starting XX/XX/XXXX, a loan place would attempt to take money from my account and Navy Federal Credit Union allowed them then would send me a charge because they payment didn't go through and i had to pay {$35.00} each time instead of blocking the transaction like I asked. Then on XX/XX/XXXX, they allowed the same loan place to attempt to withdraw the money, and then took my money out from my savings, put it into a check into my checking and allowed the company to take my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account showed up on my credit unbeknownst to me. It was a XXXX XXXX account originally. The day it popped up I called and spoke with a supervisor and he told me if I paid it today then he would delete it. I asked him to validate the debt by sending me something showing the missed payments because I was on automatic debit with the company. He said he couldnt provide that and I would need to dispute but he discouraged me from disputing. I told him I would reach out to them directly to validate and that was to no avail. So the very next day I called to speak to same supervisor and paid settlement of 70 % of the debt and he then told me he wouldnt honor my deletion. This is bad business. He outright lied. He said he would delete as a 1 time courtesy since I had no knowledge of the debt still being owed and he lied about that. This cost me quit a bit of point while in the middle of escrow. I had no choice but to pay before I could even validate because of time constraints on buying a home and they still didnt remove it from my credit.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX sent notification that the mortgage home loan servicer would be changing to XXXX XXXX XXXX  and would take effect on XX/XX/XXXX. Nationstar confirmed the transfer and sent out a welcome correspondence on XX/XX/XXXX. Both taxes and insurance are escrowed in the mortgage payment. Both XXXX  and Nationstar assured that the payments would remain the same and that the terms of the loan would remain unaffected.On XX/XX/XXXX XXXX  (the provider of homeowners insurance to the property) sent XXXX a request for payment. The policy was set for renewal by XX/XX/XXXX. XXXX transferred the mortgage to Nationstar on XX/XX/XXXX without payment being made to XXXX. XXXX  request for payment was sent only to the mortgagee and not the mortgagor as the account had been noted since the XX/XX/XXXX's. On XX/XX/XXXXthe  XXXX insurance policy was terminated for nonpayment.Surprisingly, when the XXXX insurance policy canceled, XXXX was still listed as the Mortgagee. Nationstar  not only failed to change the mortgage clause during the transfer, but they were also unaware that the insurance policy had canceled, still currently show XXXX as the insurance provider, and continue to escrow based on the previous policy premium.Moreover during the lapse of coverage, a claim for substantial water damage on the property needed to be filed. Nationstar has force placed insurance that will not adequately cover the damage and repair to the structure of the property. There is also no coverage granted for any personal property loss. The XXXX policy would have more than easily covered our losses had Nationstar not been negligent to pay the renewal of the policy as required in maintaining terms of the original loan.
Product: Debt collection

Account with Charter XXXX closed ( by Charter ) in XXXX. The CBE group filed an illegal delinquency credit report XXXX. Reported this to Credit Burreaus who had this removed. As of XXXX this claimed delinquincy has resurfaced on credit reports and demand for payment has been sent again by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Everhome who has no sold their bank has been reporting my payments late to the credit bureau and I am trying to sell my house to down size after a divorce. THe company did not even have an automated system in the XXXX of 2017 all payment went through XXXX XXXX  as well they have a p.o.box that you remit payment and as you will see on my bank statement the payment constantly cleared on the XXXX of almost each month but on their activities report posted on the last day of the month. I have all the proof that the company is wrong and they are hindering my process of purchasing a home. They were a small mom and pop bank that held payments nd posted them to get additional feel in the month of XXXX or XXXX they held a check for an entire month due to know account number ad my name and address was on the check. They returned the check a month later ( how did they know my address ) because it was on the check in which they could have applied my payments. Again please consistently look at how they cleared and posted my check pretty much the same time every month. I have never been 30 days late this process has taken over 40 days and I need them to remove the lates now since I do have proof of payment and when they cleared.this was a bad mortgage and 95 % of the homes have gone into foreclosure because of the company who had completely wrong information. I have given them clear proof there information was incorrect for l years but especially 2017 in which it has taken over 3 months 90 days. i have correspondence with 7 different claims ofmy reporting, I have been forced to spend money that on obtaining an attorney. i have been a customer for 14 years and they will not give me a number to their attorney nor suppervisor.the must change my report and I am seeking damages and I want all of upper management and legal departments information
Product: Student loan

I got a loan in XXXX 2011 from Stafford loan for my XXXX at XXXX University. I recently found out I was involved in predatory lending on this {$8500.00} loan. The lender actually took the 6.8 % that I was anticipating, but also took another loan out for {$0.00} at 6.8 %, so I was paying 13.8 % on that loan. I consolidated it last week so it would n't happen anymore, but wanted to find out what I could do to get the extra money I paid in interest back from 2011.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is with equifax and XXXX XXXX XXXX for XXXX XXXX XXXX for XXXX dollars. this account was charged to indigent care and the doctor himself told me in 2014 there was no charge for this as it is indigent care. please remove at once
Product: Credit reporting or other personal consumer reports

A submitted request was made and I am not please with the response. I would like an active investigation to be conducted. The following accounts doesnt belongs to me & I would appreciate if it can be removed. My identity was compromised & is currently being used by someone Im not aware of.
Product: Credit reporting or other personal consumer reports

the companies involved failed to delete misleading information and wrong and inaccurate reporting on my credit report and its affecting my credit score
Product: Credit card or prepaid card

I am a victim of ID theft and my system was hacked where my email and card details were compromised to purchase gift cards from XXXX site online using my BoA card. Here is the sequence of events : 1. On XXXX, XXXX, XXXX - XXXX transactions of {$600.00} were executed for buying Digital gift cards totaling {$2400.00}. 
2. I immediately informed the card services of this breach on the same day and they confirmed that they will take care of this. 
3. They reversed 3 transactions and gave me credit however did not reverse the 4th transaction of {$600.00}. 
4. I called the fraud department and they gave me a temporary credit via letter dated XX/XX/XXXX however reversed the decision on XX/XX/XXXX XXXX. I called the Fraud department and they asked me to appeal against the decision. 
6. I sent an appeal letter on XX/XX/XXXX explaining the whole episode stating that I never ever purchased digital gift cards using target card. 
7. They again denied the claim via a letter dated XX/XX/XXXX. I went to a BoA branch and we faxed all the necessary documents including Police Report which I made on XX/XX/XXXX along with old police report of ID theft from XXXX in addition to Identity theft report filed with FTC. 
8. I followed up with my banker however these charges have still not been removed.

9. Instead BoA went ahead and reported " Delinquency '' to credit Bureau which resulted in my credit score getting a hit. Also they continue to put late fee and interest charges on this balance.

10 This whole episode has not only hit me with $ $ but has caused a severe harassment and mental fatigue. 

Request you to please help take it up with Bank of America card services. 
Thank you
Product: Credit card or prepaid card

Citibank solicited me by paper and e-mail for a low interest rate of XXXX percent on my existing credit card, in XX/XX/2018. I responded to citi.com/XXXX, to accept, it did not go through. I then called and spoke to a citibank representative, and she stated that I was enrolled in the program that ends XX/XX/2018. I made a purchase of XXXX on XX/XX/2018. My credit card statement does not show this special low interest rate for this purchase. I called citibank on XX/XX/2018 and the representative I spoke with refused to honor the low interest rate, saying they had no record of me enrolling in the program, eventhough they have a record of me calling on XX/XX/2018. 
This is a scam. This is a bait and switch. Citibank refuses to honor THEIR solicitation. I enrolled on time. They are in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX certified to XXXX a collection account that was not mine. this is fraud. they collected my personal insurance information at the time of service, refused to bill them and then sent me to collections with no notification. This is a direct violation of the FCRA. XXXX and XXXX are allowing them to do it.
Product: Credit reporting or other personal consumer reports

I am the author of this complaint. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 1. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX. XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and all the furnishers of information listed, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' These creditors and agencies never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Experian, XXXX, and XXXX on XXXX XXXX. I still havent received anything back. according to 15 U.S.C 1681i ( a ) ( 1 ) ( A ) XXXX, Experian, XXXX, and XXXX have 30 days to respond to my dispute this is a violation of my rights
Product: Credit reporting or other personal consumer reports

In accordance with fair reporting act CREDCO has violated my rights. 
- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX -XXXX XXXXXX/XX/XXXXXXXX 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.
Product: Credit reporting or other personal consumer reports

This is a another NOTICE OF DEFAULT and NOTICE OF OPPORTUNITIES TO CURE. CRA was provided identity theft reports and a statement from consumer, appropriate proof of identity and items to be blocked. 15 USC 1681. NOTHING was done ,15 USC 1681c-2 they have 4 days. Therefore a sum of {$8000.00} is owned. I have been unable to qualify for a home, car, job and hardship. I have lost all creditable and credibility with family and friends. I need XXXX counseling from XXXX and XXXX XXXX. Please help resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020. This account was settled and closed. It was negotiated and promised from the collection agency that upon payment acceptance the debt would be totally removed from all 3 credit bureaus. It was only removed from XXXX  and not XXXX  or XXXX. I expect the collection agency to uphold their agreement and remove the listed debt from reporting. As well as the information that is being reported to XXXX and XXXX  is reported incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for reinvestigation of the disputed account, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the account from my file. 
XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX XXXX XXXX/XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX  XXXX ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATEL! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY!
Product: Debt collection

This company has violated my consumer protection laws. I am a federally protected consumer. They are saying that I owe them a debt which is false and they are reporting my personal information to the consumer reporting agencies without my consent. 
Pursuant to 18 USC 8 After 1933, the government agreed to assume ALL liabilities that arise under transactions using your credit card ( social security card ).

Pursuant to 15 USC 1602 ( i ) Congress defines a credit card as ANY card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, services on credit.

Pursuant to 15 USC 1692e Congress states that a debt collector may not use any false, deceptive, or misleading representation or means in connection with he collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 
( 2 ) the false representation of ( A ) the character amount, or legal status of any debt All the letters. and statements that you have sent me has been in a positive amount. How do I owe something that is positive? Its in a positive amount because it has already been paid by the United States pursuant to 18 USC 8. Thats false representation of the character amount or legal status of any debt.

I have been violated as a federally protected consumer and I demand that you zero out the balance and remove the account from all consumer reporting agencies IMMEDIATELY!! If you do comply I will hold you civily and criminaly liable for non compliance.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the XXXX mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit card or prepaid card

Chase Bank cancelled my auto-payments without notice. I had a 100 % payment history since XXXX. They claimed they told me that payments would only be scheduled for 12 months when I spoke with them in XX/XX/XXXX to reset them. However, they did not tell me. I was told they would continue indefinitely. When I called Chase to dispute that they told me that, they said they would find the phone call recording. A week later, they wrote back to me THEY COULD NOT FIND THE RECORDING. 

The only reason I was alerted that my accounts were past due was because credit monitoring services alerted me. Not because Chase did. By this point, it was too late to prevent harm from my credit score. Upon this notice, I completed payments in full and became immediately current.