23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX is complaint about defective chair purchased I sent receipt there with pic of broken defective chair with original complaint I am asking merchant to replace chair with another one see receipt as there is a desk and chair purchase I am only discussing chair If merchant does not want to exchange manufacture defective chair then I want credit back and will purchase another chair XXXX is mistaken complaint for another purchase I inadvertently sent wrong receipt Please re-bill {$64.00} for XXXX XXXX purchase PLEASE send statements for Cap One statements XXXX XXXX XX/XX/XXXX and statements XXXX thru XX/XX/XXXX I asked before but not received any
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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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 did not with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

I have overdraft protection YET the greedy Bank of America charged me 4 overdraft fees at {$35.00} each for a total of {$140.00} that put my account repeatedly in the negative and this generated yet more overdraft fees! 

To repeat, I have overdraft protection and so I should not have been charged overdraft fees of {$35.00} each!!!!!!!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. Equifax and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as Equifax and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to Equifax, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet Equifax and XXXX  continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which Equifax and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services for XXXX  XXXX XXXX XXXX XXXX XXXX XXXXk, effective immediately.
Product: Debt collection

I received a call on XX/XX/22 from a number that read " XXXX XXXX '' on the caller ID. The gentleman said he was from the county courthouse and I needed to come down to the courthouse to sign papers on a docket because a legal group was trying to sue me for fraud and an attempt to defraud a financial corporation. He then gave me a number to call for more detailed info and a case number. I then called the number he gave me and a CSR named " XXXX XXXX '' asked me for my case number immediately. She stated she was with NMRC. I also received correspondence from a " XXXX XXXX '' with national recovery.net. I gave it to her and she had my name, last 4 of ssn, and birth date all there. She then told me that it was XXXX XXXX XXXX who was threatening legal action because I still owed them on a pay day loan from last fall ( XX/XX/XXXX was the date she gave ). I did indeed take out a loan with this company around that time so I thought it was legit. XXXX then started saying things like, I defrauded the company and they are gon na suspend my drivers license and I needed to pay {XXXX} immediately so the case will be dropped and taken off of the docket. Thinking I did owe the money and didn't want to deal with the threat of losing my license I gave her my debit card number when she asked for it and scheduled the full amount to be taken out on Friday XX/XX/XXXX, XXXXShe sent me a form to digitally e sign through my email from XXXX, that was titled, DEBIT CARD OR CREDIT CARD AUTHORIZATION..it had my full debit card number on it, the amount owed, the date the funds would be taken out, and my digital signature..
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE STOP CLOSING MY DISPUTES AS A DUPLICATE! IT IS NOT! This is my THIRD CFPB complaint. I previously filed a complaint and my matters were not addressed during the resolution. I informed you, the CFPB, AND XXXX, that, - XXXX, and XXXX  XXXX XXXX XXXX  XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX  XXXX ; XXXXXXXX XXXX XXXX XXXX are in violation of one or more U.S. Codes. Due to this going ignored during my last dispute, I will list the violations AGAIN. First violation : 15 U.S. Code 1681i : XXXX received my dispute letters sent via certified mail, and never followed the proper procedure upon disputed accuracy. I also never received the results of any alleged investigations, nor any physical documents baring my signature, nor did I even receive a copy of my credit report. Second violation : 15 U.S. Code 1681s2 : It is prohibited to continue reporting information upon receiving notice by the consumer that the information being reported is believed to be incorrect by the consumer. Since my very first dispute a year ago, the information I disputed never ceased reporting. Third violation : 15 U.S. Code 1681c2 ( a ) : The information was disputed as identity theft, and was never blocked within four ( 4 ) days of receipt. The next violation is 15 U.S. Code 6801 : My nonpublic information is not being protected! The financial institutions listed above are sharing my private information without my consent! I was also never provide with a clear and conspicuous notice or disclosure that allowed me to exercise my right to opt out of reporting. This choice was taken from me. On top of that how in the world did the third party collection agencies listed above obtain my social security number and personal details? I really need for you to look into this for me. 15 U.S. Code 6802 also states that my nonpublic information is not to be shared with nonaffiliated third parties such as credit reporting agencies, in this case XXXX, and others, without my expressed consent or discretion. No consent is identity theft! Congress states under 15 U.S. Code 1681 that credit reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and respect the consumers right to privacy. I am being treated unfairly, and my right to privacy is NOT being protected! Especially by continuing to report this information. Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactions and experiences between the consumer and furnisher is to be " excluded '' from consumer reporting. Again, I never consented to any of this! There are more violations, but I will stick to these for now. There is no way that any human interaction occurred during this alleged investigation! Speaking of, I never consented to XXXX, and do NOT consent to XXXX going forward. Due to the reasons expressed above and more, I am demanding that XXXX immediately delete the disputed information. If not, I will have to seek legal council. Each and every day that goes by causes more harm and injury to me which will be reminded through monetary relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Federal CARES Act, the law requires creditors to report any account that has a payment accommodation applied to it as current to the credit bureaus. According to law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief.

JPMC allowed my account an " accommodation '' by waiving late fees and accrued interest on my account for the months my account was reported XXXX and XXXX days late. 

on XX/XX/23, I disputed the negative reporting information by JPMC citing the Federal CARES Act. 

JPMC did not update my information per the law I cited that I obtained from the XXXX website detailing the Federal CARES ACT.
Product: Student loan

I have taken out federal student loans for both XXXX and graduate studies, and Mohela is my loan servicer. I am also in the XXXX program. 

On XX/XX/year>, I submitted applications to studentaid.gov to XXXX ) consolidate my student loans, and XXXX ) register for an XXXX XXXX XXXX. XXXX listed my repayment amount to be approximately {$260.00} per month. 

In a letter dated XX/XX/year>, Mohela finally informed me that my consolidated loans were disbursed as of XX/XX/year>, and that my first payment was due on XX/XX/XXXX. However, the correspondence listed my payment as just {$2.00}, and instead of being enrolled in my requested XXXX plan, Mohela had me on a standard repayment plan, which I did not request and is not compatible with PSLF. 

On XX/XX/year>, I contacted Mohela about the discrepancy in my monthly payment, since my payments were to resume on XX/XX/XXXX. The representative could not understand how or why my payment was listed as {$2.00}, when he said that payment should be over {$1000.00} since the XXXX request was not processed. The representative located the IDR request I submitted on XX/XX/XXXX, flagged it for review, and put me on an administrative forbearance. He informed me that the months in which I am in forbearance will qualify for XXXX. He also said that the XXXX request will take 15 days to process. 

On XX/XX/year>, I contacted Mohela again for an update regarding the same XXXX request. The representative had difficulty locating the form, and later said that Mohela now had up to 90 days to process the XXXX request. Correspondence from XXXX is now saying that my consolidated loans do not qualify for XXXX because they are not in the right payment plan. I am not receiving consistent information about whether these months in which I am in forbearance will count toward XXXX, even though I submitted both my consolidation and XXXX requests at the same time, as recommended by studentaid.gov. 

I have submitted XXXX requests regularly since my loans were first in repayment. Never before has an XXXX request taken close to XXXX months to process. Mohela is providing inconsistent and conflicting information about my XXXX request, and whether these months in forbearance will count toward XXXX.
Product: Mortgage

Good Morning, I am XXXX XXXX XXXX, i put {$5000.00} in escrow to buy a first time buyer house. I signed the contract but my daughter wanted to sign for me, asking for more question before signing. The loan agent XXXX XXXXXXXX XXXX Senior Mortgage Loan XXXX at PRMG, XXXX XXXX XXXX, XXXX, did not want to clarify the question for my daughter. he decided to give us a denial letter instead. i agreed on that. 
We were under contract to purchase [ XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. Our inspection window ended XX/XX/XXXX. Our finance period is scheduled to end XX/XX/XXXX. However, we decided not to proceed with the purchase on XX/XX/XXXX. The release and cancellation form was provided to the sellers on XX/XX/XXXX. Since we are requesting to cancel the purchase of the home during the finance period, Seller is asking for a denial letter for the loan. 

He never provide proof or denial letter that this file has been canceled so we can obtain the seller signature on the release and cancellation. the realtor has attached a copy of the release that was signed and sent to the seller. In order for the title team to release our escrow deposit of {$5000.00} we need a signature from the seller. Let 's work together to obtain proof this file is canceled so we can obtain the seller signature. 
i sent him a message everyday from XX/XX/XXXX2023. he texted me by email to tell me he sent the denial letter to me. I received all the emails he sent except the denial letter. i feel betrayed. i need your help to have my money back, please
Product: Debt collection

In XX/XX/2021, I received a letter from Scheer, Green , & Burke Co. L.P.A about a " debt that was owed ''. On XX/XX/2021 I mailed out a debt verification letter requesting the following : To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred. 
Please provide a valid basis for the debt, such as the original contract between me and original creditor. In addition, provide documentation showing you have verified that I am responsible for this debt, or a copy of any judgment. 
Tell me the date the debt became delinquent and the date the last payment was made. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item. 
Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. 
Documentation showing you are licensed to collect debts in Michigan. I request the name on the license, the license number, and the telephone number of the state agency that issued the license. If you do not have a license please explain. 

I sent this letter via Certified Mail on XX/XX/2021 with the estimated delivery date of XX/XX/2021. From the tracking number on the certified mail I can confirm that it was delivered on XX/XX/2021. 

Currently it is XX/XX/2021 and I have not received a letter back validating the debt or providing any of the information I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX   XXXX ;
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" 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 consumer 's right to privacy. '' Equifax 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. XXXX XXXX XXXX XXXX XXXX ) is a financial institution 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax 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 Equifax, XXXX, XXXX XXXX XXXX XXXX XXXX  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. '' XXXX XXXX XXXX XXXX  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 1681s-2 ( 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. '' Equifax 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: Prepaid card

Venmo XXXX XX/XX/year>, I logged into my Venmo account to find it was frozen. I followed the instructions supplied by Venmo Help. 
XX/XX/year>, forwarded an email to Venmo regarding a review of funds on XX/XX/year>, stating the funds were now available but the account would have restrictions and would only be able to transfer using the standard transfer option. 
XX/XX/year> Transfer initiated XX/XX/year>, XXXX PM received a request for my identification due to activity XX/XX/year>, XXXX PM received an email stating they were permanently deactivating my account and funds would be held for up to 180 days for loss prevention purposes XX/XX/year>, to XX/XX/year>, There has been multiple emails and I always receive the same response for about 180 days. 
On XX/XX/year>, I sent an email to check the status of the funds. I also sent the email I received in XXXX about the review of funds and how there have not been any transactions or deposits since then. 
On XX/XX/year>, I received an email from Venmo stating the support department has nothing to do with this type of issue.
Product: Debt collection

Receivables Management reports a new collection amount to XXXX and XXXX   every month. Not only has the original amount jumped almost $XXXX, They have changed the amount owed monthly for the past 6 months. I have disputed the debt twice, only to have a letter sent to me with signed paperwork and no amount for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to investigate and remove HARD inquires on my credit report, that I did not authorized.