23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage payment increased more than {$300.00} a month in XX/XX/year>. I have tried to contact MR COOPER for an explanation of this to no avail. Their phone tree actively frustrates connection to a live agent.
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, Self # XXXX, Self # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  # 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 a consumer reporting agency can not furnish an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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: Money transfer, virtual currency, or money service

On XX/XX/21, I made 2 transfers to CoinZoom to try out their services. I purchased crypto currency with the deposited funds. I was not satisfied with the service as at time I had to purchase in partial crypto instead of U.S. Dollars ( USD ). I had {$1.00} left in my online USD wallet at that time ( see attached screenshot ). After navigating the app, I saw that in order to withdraw my funds, I would have to deposit another {$1.00} and purchase more crypto in that amount plus what I had in my USD wallet ( minimum crypto buy amount ) so I could finally withdraw my funds. Still, I was not able to do that. 
ACH withdrawal directly to my checking account is not available at CoinZoom ( see attached screenshot ). The only other option is by wire transfer for which they charge {$25.00}. 
So I tried to do a wire transfer withdrawal. CoinZoom only allows wire transfers with a minimum of a {$100.00} transfer. My balance is {$39.00}. This means that there is no way for me to withdraw my funds from CoinZoom.

I called CoinZoom about getting my funds back. They told me I had two options : wait until they allow ACH withdrawals ( there are no plans to institute this at this time ), or deposit more money so I can make a wire transfer at a cost of {$25.00} to me. Ive tried ( and kept ) four other online brokers - none of them have no option for refunding your funds. 
Can you please help me get my funds back from CoinZoom in the amount of {$39.00}? Thank you!
Product: Debt collection

someone has been going to the hospital under my identity, which is fraud. I also have active XXXX insurance, and it is placed for collections.
Product: Mortgage

First and foremost, I do not believe Rocket Mortgage had any intentions of providing the loan for my property purchase due to continued hurdles to stall the closing date. 
1. I applied for a mortgage loan online with Rocket Mortgage around XX/XX/XXXX. 
2. I submitted all income, assets and expenses requested and completed my XXXX & XXXX as instructed and submitted proof of funds to close. ( List of Documents submitted available ). 
3. I paid the honest money to the title company ( twice ) due to the sellers willing to accept a XXXX purchase order after continued efforts by Rocket Mortgage to stall the loan and changing the closing date repeatedly per issuance of a " Conditional Closing Dates ''.

4. Continued hits on my credit to drive my score down.

5. Continued inclusion of team members handling my file and information, bringing only more requests and no solutions.

6. The latest request of obtaining a co-signer for this purchase is out of character.

7. I do not want to continue this process with them, I simply want a refund of my {$500.00} paid to for the appraisal of which I can't use and the {$2000.00} honest money paid to the sellers ( if they are not willing to refund my honest money ) due to the exhausting delays by Rocket Mortgage. And compensation for my realtor for the time spent trying working this case with me and the contractor paid to do a preliminary inspection of the unit.

8. Also, I want refunded to me the interest cost of having funds transferred from my XXXX account to my checking in preparation of the promised closing date ( available funds to collect by XXXX ). 
8. Today, I'm sending a email reply to XXXX to cancel the application due to my belief that they have no intentions of approving this loan ( unsubstantiated ). 
9. This have been a very exhausting, wasteful, expensive, time consuming, harassing process which leaves a " XXXX XXXX '' on me and for Rocket Mortgage.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost fund was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This Lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Debt collection

I had a membership with XXXX XXXX. Their business was purchased by XXXX XXXX over XXXX years ago. I never received any notice from XXXX or XXXX that the business had been sold and that my account had been turned over the new gym. Some months later my credit card was charged {$150.00} by ABC financial. So I called ABC Financial and was told they handle the billing for XXXX and I have a membership there. I have never stepped foot in to a XXXX facility and have never signed any agreement with them. They tell me to call XXXX, I do, and XXXX tells me to call ABC. I call ABC Financial I told them that I did not have a membership at XXXX. I had XXXX at XXXX and never signed any agreement with XXXX and I wanted a refund which they refused. I told them to cancel my account. The next year they charged my credit card again. I called again and went through the same conversation. No refund, telling them I do not have an account and they say I do but they would cancel it now. This past year our credit card number had been changed so they can no longer charge it. They have been harassing me via telephone and email. I have called and spoken to XXXX different account reps who say they have taken care of it however, I am still getting emails. Now they are trying to charge late fees and telling me that if I do not respond within XXXX days in writing or pay the bill their office will take action. XXXX will not speak to you about billing at all.
Product: Money transfer, virtual currency, or money service

I am writing to formally expressly concerns regarding Zelle 's handling dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Tis lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have been sending numerous complaints to fix the issue of reporting inaccurate information and to send how they are verifying accounts. I have requested a validation letter showing how they are validating accounts and they refuse to send me any proof. According to 1692g - U.S. Code - Unannotated Title 15. Commerce and Trade 1692g. Validation of debts. ( 5 ) a statement that, upon the consumer 's written request within thirty days, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor stating these our my account. A debt collector shall cease and desist collection of the debt, on any disputed portion, or the complainant will take further action. Due to a recent lawsuit filed against EQUIFAX on XXXX XXXX XXXX, I would not hesitate to take legal action if this is not taken care of.
Product: Credit reporting or other personal consumer reports

I have an account that is reporting to my credit report incorrectly. Account XXXX XXXX XXXX is reporting to my credit report with an incorrect balance of {$2200.00}. I do not owe portfolio or anyone else this amount. This item was purchased by a Third Party Debt Collector.

This account must be deleted as the status is not correct the amount is not correct and account was paid for less than owed by the Third Party Debt Collector. This information is not correct & not accurate. Therefore it must be deleted immediately. I will attach the account name and number for reference and incorrect amount. This is a clear violation the FCRA as this is not accurate or complete. Delete this immediately as it is effecting my ability to obtain a healthy credit.
Product: Checking or savings account

My personal info was stolen and had attempted fraudulent charges on my card with CASHAPP AKA BLOCK INC. this is the 2nd time this has happened in under XXXX year. Had to get new cards multiple times due to the lack of their consolidation of info
Product: Debt collection

Portfolio Recovery Associates sued me in District Court in XXXX, AZ. I challenged the suit and they immediately dismissed without prejudice. They continued calling me numerous times after the lawsuit was dismissed and placed an entry in my credit report. This tradeline was challenged as well but the credit bureaus refuse to remove it.
Product: Credit card

I had two cards with CapitalOne. My basis for applying for these cards were their reasonable monthly payments. Capitalone has a credit card calculator that you can use to calculate length of time to pay down a card, using the payments. This is what I used : it can be found XXXX also of the understanding that CapitalOne charged either XXXX dollars minimum payment, or 1 percent of the total balance each month. What Capitalone does not make readily transparent is the " great than '' clause they have for cardmembers. For example, I had a card with a {$2900.00} balance. The first month, the payment was XXXX ... the next month it nearly tripled to {$84.00}, even though the card 's balance only increased by XXXX to XXXX. I spoke online with an account specialist named " XXXX '' who could not determine exactly where the numbers were coming from, so she transferred me to her " supervisor '' by the name of XXXX who informed me that the payment was the " greater of the two '' ... 1 percent of your balance PLUS interest PLUS fees or XXXX. I have never paid such a high monthly payment on a credit with only a XXXX balance.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries and have significant doubts about their legitimacy. I urge you to conduct a thorough investigation and promptly remove them from my credit report.
Product: Debt collection

I contacted Penn Credit to pay off a debt, they freely without asking them gave out my whole social security number without asking. this information should not have been given out in its whole,. a scammer could just give them my number or address and they will recite a whole social security number to anyone with that address.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I believe we need to remove any incorrect accounts from my credit report. Can you please review the documents? Some accounts listed are inaccurately reported, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX : {$570.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

I accepted an offer from Discover last year for a promotional 6.99 % interest rate on balance transfers or new purchases. I read the fine print and agreed to the 12-month term of the offer, which stated if the balance of the transfer or purchase was not paid off within 12 months, the balance would be subject to my regular, higher interest rate. My plan was to make equal payments each month to pay off the promotional rate balance prior to its expiration. However, when the balance did not decrease at the rate I thought it should, I " discovered '' that Discover applies only the minimum payment to the lower interest rate balance. Anything above the minimum goes to the higher interest rate balance. 
This arrangement makes it impossible to pay off the lower-interest balance before the special rate expires unless I pay off the entire balance of the card ( not currently an option ). " XXXX '' in customer service tried to tell me that Discover is actually saving me money by putting my payment above the minimum due towards the higher interest balance. In fact, this does not save me money in the long run because the remaining balance will be subject to the higher rate at the end of the promotion term. 
Discover lowered my regular interest rate by 1.05 % in an attempt to appease me. I asked if they could raise my " minimum amount due '' so that I could pay down the special interest rate offer in a reasonable timeframe. They refused. 
This is a debt trap and very consumer unfriendly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Updated 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, two men selling XXXX XXXX XXXX  knocked on my door at around XXXX. I answered the door and they proceeded to tell me about the product they were selling. Something they said piqued my interest so they offered to give me a quote. They said they do n't know why, but their system requires a name and address to generate a quote for somebody. The provided my wife with the quote verbally at which point my wife said she was not interested and they left. 
The next day I received a call from XXXX, our credit monitoring service, who said I had a HARD credit inquiry on my account and did she recognize it. I said no and after looking into it, we determined that the hard credit inquiry was from XXXX XXXX XXXX and actually occurred on XXXX XXXX, the day before I even spoke to XXXX. Of course my husband and I were outraged as we had not and would n't even think about giving XXXX permission to do a hard or even soft credit inquiry. And the only info I had given them ( which they already knew ) was my name and address. 
I have reached out to both Equifax and the company to no avail. Neither has been helpful in any way in resolving this and getting this unauthorized hard credit inquiry removed from my credit record. We would appreciate any help the CFPB could provide in resolving this as we feel it is outrageous that a company could do this. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit limit is different on each bureau the last reported dates do not match and the date last active is reported Different on each report In accordance with the Fair Credit Reporting act XXXX 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 a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
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 violates 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for the violations.
Product: Debt collection

Late XX/XX/2023 I received a text notification on my phone from XXXX that a collections account was added to my credit report. Upon reviewing the most recent credit report I confirmed that a collections account was added by Allied Collection in XXXX XXXX. The original creditor being a XXXX XXXX XXXX. I have never had any business dealings with this XXXX XXXX XXXX. I asked the collections agency to research the account in more detail and provide me information about the debt. They refused to do so, instead responded to XXXX within 24 hours that the debt was valid. I informed both XXXX and Allied both verbally and in writing that I dispute this debt under FCRA and requested this false account be removed from my credit report immediately. This is identity theft or a mistaken identity issue. I informed XXXX and Allied Collections that I have a XXXX XXXX XXXX son with the same name ( XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX that is using my identity to open up credit lines at casinos to support his drug and gambling habits here in XXXX XXXX. I added a fraud alert to my credit report as well as a hard freeze on my credit report. I have millions of dollars of credit, XXXX XXXX  score, and would never fail to pay a {$300.00} bill. This is illegal collection of debt by Allied Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.
Product: Checking or savings account

My bank, First Midwest Bank, was recently acquired by Old National Bank and the transition was finalized on XX/XX/2022, On XX/XX/2022 there were were 3 withdrawals for {$180.00} each from my checking account that I didn't make. I was never notified by Old National that these transactions occurred and they never notified me that my card had been suspended. Apparently after the 3 withdrawals the person who had a duplicate card, I'm assuming an employee of the bank cloned my card, tried to make credit card purchases and they were declined according to the person I spoke with at Old National. I found this out the next day XX/XX/2022 when I tried to use my debit card at my local Jewel and it was declined. The new card has never been out of my possession and I am the only person that knew my newly created PIN. I immediately logged into my account saw the 3 transactions for {$180.00} each all were withdrawals were from a XXXX ATM in XXXX XXXX and I knew I did not make them. I then called the bank and they assured me it would be taken care of. They also said they would send me another ATM card, which never arrived. On XX/XX/XXXX, I received a letter from Old National stating that the transactions were valid and they would not be reimbursing me. They never even called the XXXX XXXX police or the XXXX to pull video recordings of the person that withdrew the money from my account. If I had known they weren't at least going to do what I consider the bare minimum to trying to uncover what happened then I believe they should have to reimburse me for my loses. Below is a screen shot of the 3 transactions I'm contesting. 

XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL - {$180.00} {$1400.00} XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL - {$180.00} {$1600.00} XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL XXXX {$180.00} {$1800.00} Thank you, XXXX XXXX
Product: Prepaid card

Bought visa vanilla gift card at local aldis. Put {$50.00} on it. First time trying it it said only {$7.00} availiable. Called card company and started case # XXXX. Waited about 3 months Got replacement card valued at {$7.00}. Called and asked why and they said we wont get the balance.