23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

On XX/XX/XXXX, I received an American Express prepaid gift card with {$400.00} from my employer as the result of winning a giveaway. I had forgotten about this sum, until recently when I got married and expenses increased. I have been attempting to use the {$400.00} in a variety of ways -- directly using it to purchase online goods at a variety of websites, XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, but been rejected every single attempt. Most of these attempts were on XX/XX/XXXX. 

Upon looking into this issue online, I found many other consumers experiencing similar issues with AMEX prepaid gift cards. They offered alternatives/tips for how to successfully prevent transactions from getting declined, which I tried, but all failed. In the end, most people suggested reaching out to the CFPB to recover my rightful funds. Other people online have suggested reaching out to AMEX directly results in AMEX implying other companies need to fix the problem on their end, but it does not seem to have resolved other people 's issues in the past.
Product: Mortgage

I am a part of the group where where SLS took my house in 2014. I was distraught when I was paying my mortgage as suscribes in my contract and i received absolutely no help from them. SLS had me running around providing documentation to keep my house when they were already in the foreclosing process. They provided me with false hopes and information. My loan initially was with XXXX who sold my loan to SLS. The issue started when I wanted to refi my loan to get a better interest rate, this is when the nightmare began. XXXX also ran me around and sent me to a counseling department with XXXX, where the counselor advised to stop making payments because that way the program will approve my request. Unbeknown to me I totally believe that is what I was to do, they were the so-called experts. Well, thats when my payments fell far behind and there was way for to recover. Still waiting for XXXX  to advise if my request was approved, they sold the loan to SLS. As I stated at the beginning, SLS took the loan and sat on it and did absolutely nothing. The foreclosure process went pretty quick, I didnt have a chance, I was losing my beautiful first home. I contacted and spoke to so many people and none of them helped. I then contacted Congressmen XXXX office to seek help as I was desperate to keep my house. The Congressmens office contacted SLS and were told they would look into the matter. They did not, they sat on the request and shortly after, the paperwork was on its way to the court. I remember this like it was yesterday, I tried so very hard to keep my house. Til this day, I know something wasnt right about my foreclosure, I strongly feel that my house was illegally foreclosed. I did everything in my power to reach to everyone I could, and received no assistance. I am not submitting my complain so it could be included in the lawsuit against SLS. 

I may already be included because I received correspondence along with a small amount check advising me if the lawsuit. I wanted you all to really look into my case, there was some Shady stuff going on. 

Thank you for taking the time to read my complaint. If Im needed for clarification and more details, I may be read at the following : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The child support got removed from all other credit bureaus and they said I was late on payments when I'm not even on child support they did it after disputed it I want to use 15 U.S. Code 1681b - Permissible purposes of consumer reports and also it says XXXX XXXX and XXXX XXXX XXXX
Product: Vehicle loan or lease

Capital One and XXXX XXXX XXXX XXXXXXXX did not provide proper disclosure. Per 15 USC 6802 Obligations with respect to disclosures of personal information. During this credit transaction XXXX XXXX did not give me documentations of opting out. Per the FCRA that is not allowed.
Product: Debt collection

The Debt Collector is trying me to pay the debt twice. I paid this debt on XXXXPaid to XXXX XXXX XXXX of {$450.00}. And another collections office still says I still owe a different amount which is the same bill I wish your company would check into this since I don't have a phone number ( XXXX  XXXX ) by XXXX XXXX. Than you for taking time to check this out. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Background : Cash App advertised a boost or credit of {$5.00} that can be used on any purchase This boost is automatically unlocked after making one purchase at XXXX Once available, the boost must be selected in app prior to making a purchase in order for the credit to apply For locked boosts, the unlock process is automatic after a qualifying purchase and does not require anything to be selected at anytime - in fact, its not possible. 
Only when using a boost does it need to be selected in app, prior to use towards a purchase. 


Problem : I made a qualifying purchase with XXXXXXXXXXXX  on XXXX/XXXX/2020. 
The boost was not unlocked automatically, so I contacted Cash App email support for assistance. 
Multiple Cash App support representatives have replied, incorrectly telling me that the boost wasnt selected at the time of purchase and that is the reason the boost is still locked. They have refused to correctly identify the problem, fix the issue, and unlock the boost.
Product: Checking or savings account

On Thursday XX/XX/2022 I left work and stopped to get dinner at a restaurant in XXXX, TX. As I headed home I received notification that a charge was attempted at a XXXX  location XXXX $ XXXX frantically opened my XXXX  XXXX  and tried to disable transactions for my account to stop any further activity before I was able to another transaction was attempted and clearedXXXX XXXX from my account. I contacted customer support and explained what happened and let them know my account has been compromised and I needed to dispute the transaction on the account. I was told they could not start the dispute process until the transaction either settled or fell off so I waited. XXXX at XXXX am I called them again to dispute the unauthorized activity. I received a response about my dispute on Sunday XX/XX/2022 at XXXX and the email stated they are closing the dispute and they found that no error occurred. I called them again on Sunday XX/XX/2022 and spoke with a representative and asked for the documents used to determine why my claim was denied then spoke to the supervisor who said he would submit this new information to the investigation team and have them re-open the dispute. I received an email on Tuesday XX/XX/2022 XXXX stating they are closing the dispute and they found that no error occurred. I called again on Tuesday XX/XX/2022 at XXXX pm and requested the documents from investigation conducted. I also emailed them additional documentation during that call to re-open the dispute. I called the police department and filed a formal police report sent another email to Chime to submit the police report number. I received another email from chime on Wednesday XX/XX/2022 at XXXX am stating the email stated they are closing the dispute and they found that no error occurred. I contacted them again Wednesday XX/XX/2022 and requested to speak with a manager she has re-opened the claim and I am waiting for the them to investigate for a fourth time. please help.
Product: Credit reporting or other personal consumer reports

On XXXX I received a notification that my TransUnion credit report had received a hard inquiry from XXXX XXXX in Delaware. 
I immediately contacted TransUnion and inform them that that was a fraudulent inquiry as I had not applied for any credit. They told me to contact the company which I did, and XXXX wanted me to give them my social security number which I refuse to do. I told them not to issue any credit to whoever was applying because it was not me and later received a letter from XXXX wanting me to provide my driver 's license which of course I did not. As far as I know XXXX did not provide the scammer with any credit however the hard inquiry is still all my credit report and it knocked XXXX points off of my credit report. I called the TransUnion again today to tell them that they had not removed the and they told me I needed to come here to file a complaint so that they could remove it. I don't understand why they didn't tell me this when I called them XX/XX/XXXX when the fraudulent inquiry was made regardless I want this hard inquiry off of my record I have never applied and it should have never been on my record to begin with because I have always had a fraud alert on my account so I don't understand why a hard inquiry could even appear on an account that has a fraud alert on it to begin with. 
Thank you very much XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent you a letter regarding inaccurate things on my credit report on but to this day, more than 60days have passed but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found. Bit it has been more than a month now, and your inaccurate reporting still affects my credit nor I get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax Date breach and my got into hands of the wrong person and it is your obligation to fix these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX employees often live in other countries who don't even speak clear English. And, I XXXX XXXX was told to do an online dispute by one of them.I called twice and was told the same thing by a non-us customer service rep, whom did't speak clear English. So I filed an online dispute, only to discover when I answered all the security questions properly, I got an error message, which is attached. It is EQUIFAX fiduciary duty to not lead a consumer astray. Also, per XXXX  vs FTC no credit bureau can place the below financial and personal information within my credit report. 

XXXX XXXX v FTC United States Court of Appeals FOR THE DISTRICT OF COLUMBIA   CIRCUIT Argued XX/XX/2002 Decided XX/XX/2002 No. XXXX XXXX XXXX XXXX, Appellant v. 
Federal Trade Commission, et al., Appellees Appeal from the United States District Court for the District of Columbia ( No. XXXX ) 6. The regulation provides the following examples of PIFI : ( A ) Information a consumer provides to you on an applica- tion to obtain a loan, credit card, or other financial product or service ; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collect- ing on, or servicing, a credit account ; ( F ) Any information you collect through an Internet " cookie '' ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report Penalties and Liabilities, Sections 616, 617, and 619 ( 15 U.S.C. 1681n, 1681o, 1681q ) Credit unions may be liable for willful noncompliance or negligent I was  attempting to dispute the following account : XXXX XXXX XXXX
Product: Bank account or service

Bank of America allowed for everything to overdraft on my account expect for one item. Which got charged another NSF. When I asked them why they did n't approve this transaction that was processed first and was the smallest amount. Their answer was pretty much " we did n't want to "
Product: Payday loan, title loan, or personal loan

Last XX/XX/XXXX I responded to a voicemail saying I was approved of {$5000.00} personal loan. When I called a certain XXXX told me that my credit score is low so I have to pay {$200.00} to have the loan approved and ask me to buy a XXXX XXXX debit prepaid card and load it with {$200.00}. After giving her the details of the card she again asked me to get another card and load it with {$360.00} for the processing fee and after again doing so she told me that they can't deposit the money to my account for some reason and told me that they will send the money through XXXX XXXX so I have to get a third prepaid card loaded with {$200.00} for the fees to pay XXXX XXXX so I can get the money that same day. XXXX then told me that she will call me back to give the ID number for the money transfer but she never called back. I tried everyday to callnher but they don ' t answer the phone anymore and sometimes they just hang up the phone. The last call I made acfertain XXXX XXXX answered and said that XXXX is not available. He said he is the general manager and I ask him to cancel my loan application sng just give me a refund the he told me to call back at XXXX XXXX but again they won't answer the phone anymore up to this time.
Product: Credit reporting or other personal consumer reports

I am contacting you in reference to my XXXX XXXX ACCOUNT account. I have implemented significant changes and gained valuable insights. Presently, I am responsible for tending to my ailing mother and looking after my XXXX children. Despite these obligations, I remain dedicated to my military service and enhancing my financial standing. I am writing to discuss discrepancies in my credit reports from Experian, XXXX, and XXXX. " PAYMENT HISTORY BEING INCONSISTENT '' The presence of a collections account on my credit report is hindering my ability to purchase a home, secure essential loans like refinancing, cover my mother 's medical expenses, and acquire a vehicle due to my current non-operational car. Furthermore, this situation has caused significant challenges for me, particularly as a service member with a security clearance that necessitates " financial stability. '' Despite having settled the account in full, it continues to negatively impact my credit. I respectfully request that you consider removing this account from my credit reports ( XXXX, XXXX, and Experian ) to assist me in achieving financial stability. I am deeply disappointed with the unhelpful response from the representative in the credit bureau reporting oversight department. Despite providing supporting documentation and requesting a re-investigation, we were met with the same dismissive response. As a service member, we expected better treatment and a more thorough review of our case. We hope for a prompt resolution to this matter and look forward to your urgent attention. Thank you for your assistance. If you have any questions or concerns, please do not hesitate to call.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT XXXX XXXXXXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX XXXX XXXX time Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Mortgage

Last Year In XX/XX/2022 I found out that my mortgage went up by {$600.00}. I was getting ready to make my payment but XXXX does not accept partial payments. My monthly payment went up to {$2500.00}. I got no prior notice that my payment was even going up prior to my call to make XXXX payment. So I asked them for a solution. XXXX said I could file an application for loss mitigation. I received the application in the mail two weeks after my call with them. I immediately filled out the application and submitted the requested documentation through the portal. I checked the portal weekly. I also received information in the mail saying that there were missing documents. I would submit the documents again. In XXXX I received a letter saying that XXXX did not receive the documents that they were requesting and if I needed assistance still I needed to submit a new application which I did. This time I submitted all documents via email. I would even contact them once a week to make sure the documents were received. I was told they were and to continue sending in pay statements that my wife and I continued to do. In XXXX I received notice that my house could be foreclosed on because of failure to pay. I contacted XXXX again and asked what was going on. They said that my packet was not complete and my case has been turned over to a law office. I asked for a resolution. They said I had to submit certain documents and continue to send in pay stubs. My wife and I have been doing this since XXXX of 2022 with no resolution. My last call with them was Tuesday XXXX XXXX where I submitted documents and verified that they were received. They tell me it takes 7 days to review. I am not being offered any solution. I even asked if I could just pay what is owed. XXXX told me I could not because I am going through the loss mitigation process and they will not accept any payments. I received a notice from XXXX XXXX XXXX saying that if I don't file a notice with the court my house will be sold. I have not been provided a resolution by XXXX. I am constantly being told that it takes seven days. I just feel like I am not getting this resolved because XXXX wants to take my house. Please help.
Product: Debt collection

I'm writing in reference to a Debt collector on my credit reports that is not licensed to collect in the state of Florida. I've tried reaching out to the collector via mail with no response. This company is in direct violation of Florida Consumer Collection Practices Act ( CCPA ) states the FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Receivables Management Corp. in XXXX, SC does not have a license to collect in the state of Florida. They can not collect on a debt. Receivables Management Corp. is in direct violation. This will be my last communication I send before sending evidence to the State 's Attorney General office.
Product: Debt collection

The debt owed is a private student load from XXXX XXXX in 2004. The debt is over 12 years old. According to the statue of limitations they ca n't do what they are doing to collect debt that is over 4 -7 years old  depending on the state and in Florida its 6 years and after that the creditor can not pursue you in any way or threaten you to collect debt over 6 years old for a  private student load. These people have been calling me for the past few years and my friends. I do n't even know how they get the information to contact them due to the fact that I have no phone or anything in my name. They send letters to my friends addresses looking for me and that 's illegal due to the statue of limitations. I want them to stop.
Product: Credit card

I have been a client with Bank of America for 33 years. I have multiple accounts with BofA. I used to have a credit card with them, that I barely used. I paid the card off in XXXX - but failed to closed the card as I should have. I did not realize that I had a small auto charge being applied to the card. I get seemingly piles of junk mail, and XXXX spam calls a day on my cell. They did try to get in touch with me. When I finally spoke to them, the card- which never had a late on it for 6 years, was XXXX XXXX This XXXX DQ on {$200.00} of credit, in the context of XXXX {>= $1,000,000} of credit during the last 30 years had ruined my XXXX XXXX. I called XXXX times to ask them to reverse the derogatory due to extenuating circumstances. They have not. I have call XXXX, XXXX, XXXX to explain to me how such a minor error can have such disproportionate impact and if there was anything that can be done. 

My complaint is related to the disproportionate impact of the error. The fact that I probably would have paid it had it not been for the ongoing plague of spam emails, spam cell phone calls and piles of junk mail. It was a simple mistake that is causing me great financial harm as I am trying to move to a new home, having trouble getting preapproved, and my wife is no longer working. 

I simply need this mistake removed from my credit or to investigate the scoring bureaus and their scoring methods. 

I think BofA should have some discretion here, they have chosen the easy route and it will cost me. It was simple mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that TransUnion is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 -15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In generalAconsumer reporting agencymay furnish aconsumer reportrelating to anyconsumerpursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with anycreditor insurance transaction that is not initiated by theconsumeronly if ( A ) theconsumerauthorizes the agency to provide such report to such personor ( B ) ( i ) the transaction consists of afirm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided insection 1681g ( a ) ( 5 ) of this title, aconsumer reporting agencyshall not furnish to anypersonarecordof inquiries in connection with acreditor insurance transaction that is not initiated by aconsumer.

Under FCRA15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumeras a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 
I did not initiate any of the inquriy from XXXX  that is showing XX/XX/22, furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They have informed me that recovering lost funds would be impossible and that tracking these transactions would be unfeasible. The CFPBs 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. This lack of accountability and transparency raises serious concerns about consumer safety.