23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I Pulled my credit Report notices that there where Collections on my report that i was never Informed of. Wrote the company Credit Bureau Associates on XX/XX/2019 Requesting that they Provide Proper Documents validating the Above Collection that was applied to my report. I sent the Letter Certified Mail they received it on XXXX XXXX i allowed the 30 days. I didn't receive anything from the Credit Bureau Associates i then sent a follow up letter stating because they have yet to send the proper documented stating this was my account. Because of the Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. The follow up Letter was sent out on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

There had been multiple attempts made just to get these accounts removed off my report. Twice to be exact, and nothing has been investigated about my case and I am extremely disappointed. i just want to apply for loans without getting rejected, and I have the biggest fear of rejection.
Product: Checking or savings account

I open a checking account in bank of america and I was trying to transfer money from this checking account to other personal checking account in a different bank and they cancelled twice. The second time I call to ensure I was doing this right and the representative said that everything was ok. the next day I received a message saying that the transfer got cancelled. I tried to access my account online and I couldn't access either, then i decided to go directly to the branch, purchase a check and deposit myself in my account. After spending over 5 hours in the phone ( literally ) an agent mentioned that the fraud department added a block. Bank of America hold my money due to this " fraud '' blocked they added. I'm frustrated as nobody can fix this issue. Today is Saturday, which means the situation is not going to be addressed until Tuesday as Monday is a Holiday. I'm demanding Bank of America to pay back the fee their charged for the official check as all this situation is their fault. There is not fraud, just a mess in their side and they are holding my money which it has regulatory implications ; not only UDAAP ( misleading the client with confusing information in their online banking and holding my money ), funds availability Reg CC ( holding the funds availability due to their own fraud block ), and potentially Reg. E ( not completing a electronic transaction as I requested ). While I'm writing this email, I'm still in hold so we go now to 6 hours. Unbelievable.
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 15 USC 1681.

Account name : Personal information, My employer position is listed as " Police Sgt '', has violated my rights 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

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 XXXXXXXX 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 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 XXXX XXXX XXXX which antedates the report by more than XXXX 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: Debt collection

XX/XX/XXXX, XXXX $ It was sent to collection and it is now on my credit report as collections. 
The action I took was I called the company that sent it too collection ( XXXX XXXX  ) and stated to them this fraud. I request documentation and they said they no longer have it.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX days old.
Product: Money transfer, virtual currency, or money service

I am running a XXXX company and I have a customer based in the USA. My customer advised me to use the financial service Veem.com to request payments due when I issue my invoices to them. It all worked fine until I changed my bank to XXXX XXXX. Since XXXX  is based in the XXXX, I had to change my bank country to the XXXX and after that, the only bank details that I was able to supply were the account number and sort code. These details are normally only valid for domestic transfers, but I am not a financial professional and didn't pay enough attention. The payment for my latest invoice was marked by Veem as " completed '' on the XXXX of XX/XX/2019. I usually get the payment cleared on my bank account within a day. I haven't received any money and I got in touch with XXXX. They couldn't trace any incoming payment and asked me to request the XXXX document from Veem. I asked Veem the same and the only thing I got from them was a screenshot from their system. After analysing that screenshot, I figured out that Veem didn't make a domestic XXXX payment but used SWIFT to complete the international transfer and they used the wrong IBAN number. Clearly, they use an unreliable IBAN calculator. There's no reliable way to generate a XXXX IBAN number from domestic bank credentials. 

Now, it's been three weeks. I get in touch with Veem every second day. They keep telling me the same - they recalled the funds and nothing happened, they are asking their bank for XXXX but they couldn't get it for unknown reasons. I suspect that Veem has lost my money and they are not willing to resolve the situation.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I made a transfer from my Chime Checking account in the amount of {$1500.00} to an email address which Chime obviously can do. The money was sent at XXXX XXXX and Chime bank said someone claimed it at XXXX, only XXXX minutes later. The recipient has said they have never received it. I have contacted Chime at their support center many times via email and phone only to be told at least 10 different ways this should be handled. I finally consulted the XXXX XXXX XXXX XXXX XXXX XXXXXXXX and they contacted Chime. The final result is that Chime refuses to talk about this any more unless I file a rebuttal, again, and now I have to wait for 45 days. I am asking for a refund or at least the information I requested. 

This money is quite important. It was for rent and other bills. 

Thank you XXXX XXXX
Product: Debt collection

This Is a Account I Got Back Around XX/XX/XXXX I Lost My Job The Following Year And Around XX/XX/XXXX I Was Unable To Afford And Or Make Payments On The Account In XX/XX/XXXX The Account Was Labled On My Credit As A Clsed And Charged Off Account And Is Still Reporting On My Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has basically ignored me even though I filed a complaint with the attorney general. I finally sued them in small claims court and won. I am attaching the court docket number and information ( XXXX ) from the final disposition of the case. I am also attaching a fraud an identity theft affidavit from IdentityTheft.gov. 

XXXX XXXX XXXXXXXX has been stalling me and making excuse for alomost 2.5 years even with my complaints to the attorney generals office. I recently filed an affidavit fo billing error dispute which they also ignored.
Product: Debt collection

I noticed on all XXXX of my credit reports that there is a collection from XXXX that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.
Product: Credit reporting or other personal consumer reports

Just recently I have found out that XXXX XXXX has violated their rights under the Fair Credit Reporting Act. XXXX XXXX accessed my report without my written consent per 15 U.S.C 1681 ( civil liability for willful noncompliance ). There are over XXXX inquiries on my report and all of it must be REMOVED immediately as the consumer I am not opting out of XXXX XXXX. " 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 Transunion 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. '' ( XXXX XXXX ) is a financial institution by definition under that title.

12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. 
XXXX and Transunion 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

When I reviewed my credit report in XXXX XXXX, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF ED/XXXX  XXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$30000.00} DEPT OF ED/XXXX  XXXX Balance : - DEPT OF ED/XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : -
Product: Credit reporting or other personal consumer reports

To whom it may concern, I disagree with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly damaging to my credit score XXXX XXXX XXXX account number XXXX in accordance with The Fair Credit Reporting Act the Public law 91-506, Title V1, Section 611, A-D, Experian continues to violate The Fair Credit Report Act, as well as my Consumer Privacy rights. 

XXXX, and XXXX have followed the correct policy ensuring their protection for litigation. Experian is suppose to follow suit according to CFPB that all consumer reports reflect accurate information only. 

This account was charged off on XX/XX/2019. In the state of California this account has exceeded the statute of limitations for debt collection. 
Please provide the names and business addresses of each individual with whom you verified the above account, so that I may follow up. Please send me and updated copy of my credit report after your reinvestigation.
Product: Mortgage

Overcharge of escrow plus tax penalty on escrow which lender did not pay escrow, Causing the penalty. 
Lender 1098 form for XXXX BOTTOM Of form lender shows escrow negative XXXX which was transferred to new servicer XXXX XXXX form clearly shows. 

This overcharge of escrow and tax penalty Was included in our XXXX modification which has accrued interest on for over 11 years on {$3800.00}. 

The endless deception, and responses by lender show nothing but predatory lending
Product: Credit card or prepaid card

My credit card had a fraud of over {$500.00} in XX/XX/2018 and I promptly closed my card and asked HSBC to not renew it. HSBC registered a fraud complaint on my behalf and started investigation. Later they found that the transactions were actually fraud and sent me a letter explaining about it. 

About 90 days after this incident, I received communication from HSBC that I had not paid back my credit card amount and should expect a dent in my credit score etc. When I contacted customer service, they explained the situation in detail. They explained that while the fraud charge was under investigation, the bank was expecting me to pay the amount back. Since, I did not make any payment, they levied late fee and interest on my account. Thereafter, once the fraud complaint was resolved, they removed the fraud amount from account but the late fee remained. Then, on the next cycle, they added more late fees as the account still had a balance and continued to do so for 2 more cycles. They informed me that this should not have happened in the first place and that they'd credit back the full amount to my account and it would not show a balance. They also apologized and sent a letter explaining the actions. 
However, in the very next cycle, I saw one more late fee charge and also saw their credit. I contacted the customer service again and the new representative said that I needed to make the payment and the credit was not enough to offset the balance alone. I went ahead and made a payment and they immediately credited me back the amount paid. Amidst all this, they maintained that the whole fiasco should not have happened and apologized for it. However, by this moment, they had already reported the effect of late fees to credit agencies dropping my credit score heavily. 

I am a diligent credit card user who has always paid it back in time, without a ding in my history. However, this incident is making me suffer a bad score through no fault of my own but the sheer negligence of HSBC who did not communicate anything clearly and left me frustrated with the whole system altogether.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for an American Express Credit Card online. I was declined approval, and because I could not get the credit some bad things happened that I will not elaborate on because I want to keep this explanation brief. 
I received the reason for denial letter about XX/XX/XXXX. It said that American Express obtained an XXXX Credit report on me and the risk score was not available due to report of deceased status, and 4 other things. I called Amex and confirmed this. 
I wrote American Express a letter telling them I was not dead, and requested more information in early XX/XX/XXXX, and they never provided my any information the just sent me a {$30000.00} limit gold card. 
I began litigating a Civil Suit against XXXX and they investigated, and re-investigated and could not find any indication of Amex pulling a credit report on me during that time period, nor could they find a deceased notation. 
There is no indication at this point that XXXX  did anything wrong. 
I wrote 2 more letters to American Express, and they refuse to provide me with any explanation as to what happened. 
I feel like American Express may have done something improper, and that is how I am going to interpret their silence on this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I returned my Car Lease to XXXX XXXX XXXX. I have never missed a lease payment. I just reviewed my credit report and XXXX XXXX XXXX is reporting a Late Payment on XX/XX/XXXX. I have not owned the car since XX/XX/XXXX. The inaccurate Late Payment on my report is severely hindering my credit scores and ability to buy a home.
Product: Money transfer, virtual currency, or money service

Hi please anytime I try to send money it keep saying my transfer has reach the exceed limit I was only sending {$300.00} so why is it not allowing me?
Product: Credit card

Capital One after 3 yrs and 36 out 37 on time payments you close my account and wreck my credit score without a valid reason? We have a contract and I have expectations same as you. Your borrowing my credits, obtained at birth for my benefit! as natural born citizen. You have no right to break our contract, and are here by on notice to receive suit!
Product: Debt collection

I have Professional Debt Mediation reporting to the credit bureaus That I owe a debt from a rental property company ( XXXX XXXX XXXX ) I have never heard of or lived at. I tried disputing the account with all three credit bureaus several different time and I get nothing. I believe my credit report has been merged with someone with a similar name as mine. And I demand them to stop reporting false information to the credit bureaus and remove this account immediately. It is not mine. The next step is to contact a lawyer cause this is ridiculous I have to go through this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a duplicate Omni Financial account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XX/XX/2018 and one still has a balance of {$950.00}. I have no open account with Omni Financial. I have called Omni and notified them of the problem, they insist they are reporting it correctly and it is on XXXX  to fix. I disputed it several times in writing with XXXX and they insist that is how Omni is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.
Product: Prepaid card

I was first scammed on XX/XX/XXXX into purchasing multiple Amex gift cards. Over the next XXXX days I was instructed to purchase XXXX Amex gift cards with XXXX on each of them. I found out this was a scam on XX/XX/XXXX and immediately contacted Amex and locked all the cards but there was only money on the last XXXX cards. There was {$500.00} on each of the cards. They told me I could now use the cards and they would not be able to help me concerning the rest of the cards. 
I then tried to use the cards at XXXX and other main chain stores, and I could not get the cards to work. I then tried to use the cards to pay rent or other bills and it wouldnt work. 
I contacted the company twice on XXXX, twice on XX/XX/XXXX, and then twice on XXXX, and a few other times I believe, to try and work this out and then deciding a check would be best. The check they sent is dated XX/XX/XXXX for the XXXX left over on the cards. But after trying to get the check cashed multiple times and each time being rejected by multiple banks, a bank finally told me they believed the check to be fake. They had checked through XXXX ( I believe is what its called ) and thought the check to be fake.
Product: Credit reporting or other personal consumer reports

TransUnion Consumer Relations, has allowed the company XXXX to check my credit 3 times without prior permission from me. I have block/freeze/plus additional blocks on my credit report. XXXX has checked my credit 3 times in the pass three years, This is not normal behavior for companies to check your credit 3 times in three years. None of my other creditors has done this. XXXX has done this with out my prior permission. There is suppose to be a statement on my credit reports that companies has to call me before they check my credit, but TransUnion allowed them to check my credit, evidently TransUnion did not place the freeze/block on my credit report. It says there is a block on my credit but XXXX got into TransUnion credit reports and checked my credit 3 times, once in XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX Why?????? 
Why was this? apparently there was no block on my credit, but they have me blocked out from viewing my credit report or doing anything else about my credit. They allow others to access my credit. I founded this out through Credit Wise/TransUnion . TransUnion does not treat their customers fairly. They need to treat consumers the way they want to be treated This is not fair to any of us.
Product: Checking or savings account

I went to XXXX in XX/XX/XXXX till XX/XX/XXXX and when I got out I learned someone had stole my account and changed my password and my username and I had called chime and tell them I needed to have my account back and my driver 's license had expired when I was XXXX XXXX so they tell me I have to get it renewed but before I could get it renewed I had went back to XXXX and just now only get out on XX/XX/XXXX and I got my identification card renewal so I've been emailing chime and they just denied me like 8 times already it's {$10000.00} that's owed to me and I need some help getting my money back and who ever stole it I think should have to go to jail I have no idea who it could be I just need my money I have been sleeping on side of road since I got out and I need help plz
Product: Money transfer, virtual currency, or money service

( 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 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 redres : for these violations.