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

I purchased 2 items from XXXX shopping totaling XXXX on XX/XX/2020 One of the 2 items arrived. The other did not. I reached out to XXXX shopping and let them know and thats when the lies started rolling in from them. 
They supposedly refunded my debit card for XXXX after i told them not to because i have a different bank now and that card was closed. I sent multiple emails and had multiple chats with there " support " people. There entire customer service is a joke they dont listen to a XXXX thing, they constantly tell you the same scripted XXXX and in all reality there just not helping there customers. After i was told by XXXX that my shopping account was frozen because there was suspicious fraudulent actives and i am un able to make more purchases ... i get a email about my refund cuz i filed a despute with them on it ... i get a email saying they denied my dispute cuz they couldnt find any fraudulent activity ... ..ummmm hello why is my account frozen then.???? XXXX cant tell its lies from there XXXX and im not the one to be taken for. Just because they have billions doesnt give them any right to brush off my money ... XXXX would be nothing with out people like me who gave them money with the expectation of a service or a product delivered. There entire stance on this entire nightmare has been cold unhelpful and unethical. I want answers and i want my money plus some.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dispute of Unauthorized Credit Inquiries. 

To Whom It May Concern, I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. Enclosed is a copy of my identification to verify my identity. I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation. 



Sincerely yours, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service unfair practices which violates the customer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This Bank keeps contacting me stating I am in default and chargiong me late fees and interest charges even though I have paid all of my mortage payments on time. I have sent copies of cancelled checks indicating the same to the Bank twice, and called them over the phone multiple times without results, and my credit ratings have suiffered due to the Bank 's mistakes..
Product: Credit card or prepaid card

Company made an error on their end with sending me my credit card ( which was a WHOLE other situation of a dozen phone calls because the agents kept lying about details ), so they agreed to waive an overnight delivery fee. 

The card wasn't sent overnight, so I called back in to find out what happened, and they " had an error '' again on their end. I stated this was too many errors from a financial institution. They assured me my card would be overnighted and they were waiving the fee. Card received on XX/XX/XXXX, but I noticed after activation I was billed the {$15.00} overnight fee. I called in and spoke with XXXX, Operator ID XXXX, who assured me he spoke with his supervisor, XXXX, and the charge would be off of my account in XXXX hours. XX/XX/XXXX, I check my account, the charge is still there. XX/XX/XXXX, I call Barclay again to dispute this charge, I spoke with XXXX, Operator ID XXXX who was very unhelpful and refused to transfer me to someone who could help me, even though he was able to see that the notes on the account showed this fee was supposed to be waived. Horrible customer service, everyone tells you something different, it's almost as though there are no guidelines in place and people aren't being trained properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX purposely exposed my partner and me to an egregiously high-interest rate and loan repayment on a late model vehicle. When I became sick with a rapidly advancing XXXX two-years after the loan repayment schedule began, I requested the loan be leveraged and the vehicle returned to XXXX to avoid repossession. XXXX refused to allow me to return the vehicle and instead illegally repossessed it from the garage of our home which sits on private property. 

I was left without a vehicle and XXXX quietly began harassing us for repayment. At the time, due to my illness, I was unaware that XXXX had a class-action suit against them for abusive and aggressive lending practices to vulnerable populations such as those earning lower wages, minority communities, the elderly, etc. Just last year a collection agency stating they were working on behalf of XXXX, began contacting us stating they would take a partial payment and cancel the remaining debt. Eventhough I was still recovering and needed one more operation, we scraped together the monies, totaling nearly {$6000.00}! All three major credit bureaus still are reporting excessive amounts due and that the account is written off. 

We were promised this debt would be settled and removed. It has not and XXXX states they refuse to remove it. They are reporting all types of monies due from $ XXXX to $ XXXX, depending on the credit report. Even if I look on XXXX XXXX the amount due is different than what each individual bureau reports it to be : XXXX  - {$35000.00} reported as total due as of XX/XX/XXXX Experian - {$37000.00} reported as total due as of XX/XX/XXXX XXXX  - {$25000.00} reported as total due as of XX/XX/XXXX Several attempts have been made through the 3 major credit bureaus to rectify and/or remove this erroneous data! How could we owe {$10000.00} ( +- ) on the exact same day? I was humiliated while nearly sick unto death. We asked XXXX, under the right to cancel the loan due to illness or death, to return the car due to XXXX under the terms of our agreement, but XXXX refused! I tried reaching out early on to ask for support to keep the car for our family 's needs but finally had to concede to request to return the vehicle as they refused any changes to the contract - even legitimate ones! The court has found XXXX guilty of excessive interest loans and we are proof of that. We joined the class action suit against them in effort to rectify this matter! Our auto loan was over {$1000.00} per month! So we could not possibly owe the funds they claim as XXXX XXXX knew we were vulnerable because of my XXXX! Please reinforce fair credit practices and make them remove these ridiculous, excessive and cutthroat charges from my credit profile!
Product: Payday loan, title loan, or personal loan

Dear sir/madam, this is the second time synchrony bank has done this to my account based on race.i am a amazon customer for many years now, two years ago synchrony bank has deceased my amazon store car which i think was inappropriate, i filed a complain with the bureau and they did restore my credit. 

Last year synchrony bank increased my credit limit to {$200000.00} i have never miss any payment and always pay my balance on time, i have link my XXXX XXXX XXXX XXXX XXXX to my synchrony bank account, i lost my XXXX   XXXX XXXX card a week ago and retrieve a new card from the bank forget to link the new card to my synchrony bank and they already cancelled my account., I receive a letter on XXXX XX/XX/1920 from synchrony bank stating dear XXXX XXXX XXXX XXXX based on recent review the bank has lowered my credit line to {$800.00}, i have never filed for bankruptcy nor filed for unemployment nor any government subsidized never ever, i am still employed, based on the bank action i think its a act of prejudice based on race, pleased if you could investigate this matter it would be highly appreciated thank you very much for your attention!
Product: Debt collection

I have sent several certified letter requesting the validated with documentation with my signature and my authorization to share my private medical information with a XXXX XXXX XXXX. 

Below is the letter I sent to the company and they had 30 days to respond and did not. 

Not surprisingly, I have NOT received evidence bearing my signature which would serve as proof of the above referenced account being reported accurately. 

Let this serve as confirmation that your explanation and description of procedures used to reach your conclusion are documented as evidence in my ongoing quest for justice. Your inability to provide ample evidence of the procedures and methods used to determine the accuracy and completeness of the information in question is also sufficiently documented. 

I am requesting to be provided with the following information for each individual who verified this alleged account : * Full Name * Mailing Address * Telephone Number This provided information will be used to inquire on specifically how they " verified '' without provided the previously requested evidence bearing my signature. 

Per a Federal Trade Commission opinion letter a simple printout of a bill or even an itemized document does not qualify as " verification ''. The opinion letter can be found here http : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX XXXX a XXXX % XXXX % XXXX % XXXX Please immediately provide the previously requested evidence bearing my signature, or DELETE this account at once as it is clear there is no proof or binding obligation between myself and the alleged account. 

It goes without saying that I will continue to keep diligent records of all communications and correspondences and if this final attempt goes unresolved I will be filing formal complaints immediately with the agencies cc 'd on this communication. 

Your non-compliance with the FCRA and FDCPA exposes you to damages for such violations. I will seek a minimum of {$1000.00} in damages for each violation. Small claims would be filed for : XXXX Defamation * Violating the Fair Debt Collection Practices Act, particularly Section 807-8.

* Violating the Fair Credit Reporting Act, particularly Section 623-B *  Negligent Enablement of Identity Fraud The court is likely to request your presence in my local jurisdiction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX sent my account to collection on XX/XX/23. This is for a bill that was paid due to my credit card expiring. The payment was made. But they still sent the account to collection. I reached out on several occasions to have the collection removed from my credit report. They have refused to remove the account.
Product: Vehicle loan or lease

USAA does not have the option to establish auto-payments for loans. This is a burden on all of its members since each person has to manually set up all the payments in advance and often causes late payments since it is not easy to pay. This is especially concerning because USAA serves military members who deploy and do not have the capability to check their bank account to set up a payment. 

This has been an issue for at least a year in my experience and I have been told by USAA that has been ongoing for a longer amount of time. They seem to not be making it a priority which is why I am submitting a complaint. As a future deploying service-member, it is unacceptable that this may cause me to go delinquent in my payments due to their system.
Product: Mortgage

Hello As per my forbearance agreement lasting from XX/XX/XXXX - XX/XX/XXXX with Shellppint Mortgage Servicing XXXX. XXXX XXXX XXXX, MI XXXX and the current law states that I would not be reported to the credit agencies. Shellpoint reported me as being late for XXXX and XXXX. 

My score has plunged 70 points and you have put me in jeopardy with all my other credit cards that could lower my spending or close my accounts. 

I called yesterday and an associate told me I would have to dispute this with the bureaus. 
This makes no sense since they made a mistake and accidentally broke their agreement in writing with me. I have the letter as proof. Can you please help me and have them correct this incorrect reporting to the bureaus? Thank you so much XXXX XXXX
Product: Money transfer, virtual currency, or money service

My cashapp account was compromised. A XXXX XXXX account was linked to my account. I have no history with XXXX XXXX  or any of its affiliates. Cashapp performed an investigation under case number XXXX. They denied and closed my case stating " Based on the information I provided, their investigation led them to determine that the transactions was authorized by myself or someone I know '' I am requesting the information used to determine that I have authorized this XXXX XXXX to be attached to my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that underscores significant shortcomings with the platform. Despite being a frequent Zelle user and reporting transaction discrepancies, both my financial institution and Zelle failed to adequately investigate my claims. I was informed that recovering the lost funds was impossible and that tracking these transactions was not feasible. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit vulnerabilities in the system, leaving users exposed to scams. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer protection and safety.
Product: Debt collection

XX/XX/2023 - I was contacted in the morning by a block or unknown number attempting to solicat information and requesting to identify myself. I requested information on who is calling. They responded " XXXX XXXX ''. I after requested what company are you soliciting from and she replied, " a business ''. I promptly hung up. 
- The same person called me back, from the unknown number again, stating to want to speak with XXXX XXXX. Finally identifying the company as Recovery Partners. Then began to claim I was involved in an accident while i was not in ownership of a vehicle. And that, since i refused to give them information, after they did not identify themselves, that they will be suspending my license. 

XX/XX/2023 - After doing online research, I found the company and the contact information. After getting connected with XXXX XXXX, i had her pull up whatever " information '' they had. The information through looking through it and them making me sent proof of nonownership. Revealed the false claims and the abusive and preditory calling practice. After upon the discovery she tried to justify the threats and actions of infringing on my rights as a private citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit reporting act XXXX Account # XXXX account # XXXX account # XXXX has violated my rights.

15.U.S.C 1681 section 602 A states i have the right to privacy 15.U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish a coount without my written instructions
Product: Vehicle loan or lease

Bank of America recently tanked my credit score after failing to draft my automatic payment for my auto loan. I made numerous attempts to contact them and they refused to correspond with me. I have called and left voicemails, sent letters via snail mail, and attempted chats via XXXX XXXX and XXXX XXXX XXXX. I filed a complaint with CFPB and Bank of America never corrected the error on my report, but did begin reporting the account as current. This month, I increased the autopay to more than my monthly payment and double-checked to make sure that the autopayment went through. My XXXX XXXX Checking account shows Bank of America did draft the money and Bank of America shows that they did receive it. However, they just reported to the credit bureaus again that the account is delinquent ( after previously correcting its status to current, but not correcting the payment history ). It is absolutely ridiculous that a single company can slander a consumer causing increased insurance and loan rates. Aside from trying to sue a multi-billion dollar company for slander or malpractice, I'm not sure what options I have left at this point. This is extremely frustrating.
Product: Mortgage

On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX  stating that " A second request for payment was sent to your mortgagee at the address listed below. Please verify with the mortgagee that payment payment will be made by the due date, as you will be billed for any unpaid amount and your policy subject to cancellation. '' NEWREZ LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT PLAN- 1 PAY PLAN The bill was for the amount of {$2.00}, XXXX. 
On XX/XX/XXXX, I contacted NEWREZ via telephone and rOn XX/XX/XXXX, I received a notice from XXXX XXXX XXXX XXXX XXXX XXXX stating that " A second request for payment was sent to your mortgagee at the address listed below. Please verify with the mortgagee that payment payment will be made by the due date, as you will be billed for any unpaid amount and your policy subject to cancellation. '' NEWREZ LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT PLAN- 1 PAY PLAN The bill was for the amount of {$2.00}, XXXX. 
On XX/XX/XXXX, I contacted NEWREZ via telephone and equested an explanation as to why they did not pay my homeowners insurance, I was told that " I was to pay the policy on my own '', I have always paid my insurance through escrow along with my property taxes.

I paid the insurance online in the amount of {$2600.00} in efforts to prevent cancellation. 
On XX/XX/XXXX, I received an email from NEWREZ that they paid my homeowners insurance for the in the amount of {$2600.00}. I contacted customer service and informed them that I paid the insurance on XX/XX/XXXX, and requested a refund, I was told " you have to contact the insurance company and request a refund ''. Once I received the refund, I contacted NEWREZ to inform that I found a less expensive policy with XXXX XXXX XXXX XXXX XXXX that was in effect on XX/XX/XXXX. The agent submitted the new policy to NEWREZ. I paid the full amount of {$1300.00} for the new policy. 
I have contacted the NEWREZ Insurance Department regarding updating my account on several occasions and was told that they have not received the new policy, on XX/XX/XXXX, I submitted the new policy along with the declaration via email utilizing the email provided by NEWREZ insurance department. I received an email confirming receipt of the policy upon submission. Today, XX/XX/XXXX, I received a letter from NEWREZ stating that " their records show that my hazard insurance expired and they do not have evidence that I have obtained coverage. I contacted NEWREZ insurance department and provided the information again, received confirmation from the customer service representative that it was received. She informed me that I would have to contact customer service to request an escrow analysis. In XX/XX/XXXX, I had an overage in my escrow account. As of today, XX/XX/XXXX, I have a negative balance of {$1700.00} I contacted NEWREZ customer service requesting an escrow analysis and was told that I would have to contact the insurance department. I am constantly redirected to the insurance department without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested an investigation into my credit report because their are items that I have no knowledge of. I never received any documentation bearing my signature in relation to these negative accounts. I reached out to the credit bureaus in regards to this matter and they have not conducted a proper investigation. Then I requested them to verify the debt according to the FCRA and again I got ignored these negative items do not belong on my credit report. 
XXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} XXXX XXXXXXXX ACCT # XXXX OPENED XXXX BALANCE {$630.00} THESE 2 ACCOUNTS ARE DUPLICATES. 
XXXX XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$990.00} XXXX XXXX ACCT # XXXX OPENED XXXX BALANCE {$1500.00}