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

I am writing to formally express my concerns regarding handling of disputes. particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX 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 is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.
Product: Credit card or prepaid card

I filed a dispute with NetSpend soon after no less than 5 minutes the closed my account they lied and said they couldn't give provisional credit becaude it was too late but end up giving it to me without my knowledge so today I get a letter saying one my disputed were valid but they put it back on my account which was closed the same day I made the dispute charged me XXXX after I they closed my account I never used any of the money on cards because they closed my account I asked what happened to the dispute money to which the response I owe XXXX dollars they are lying and trying to chest me out my money
Product: Mortgage

Community Loan Servicing ( FKA as Bayview Loan Servicing ) stopped allowing me to make payments in XXXX. I am the owner of the home but not the original mortgage holder. Something happened between the previous owner ( the mortgagee ) and the servicer/lender - and from that point my rights to make payments and discuss the loan and all assumption process; was stopped without explanation. 

Nearly two years later, on XX/XX/XXXX Community loan servicing filed a notice of default with NO notice to me what so ever. There was no notices of intent to accelerate, no notice of foreclosure prevention options or anything- the first thing I saw in over 20 months was a notice of default. Also the amount demanded seems very wrong. 

This is my primary residence, I am the sole legal owner ( since XX/XX/XXXX ) and I do intend to keep my home. I need help stopping the foreclosure process and I want to make payments but I still have not been allowed to do so. Please help so I do not lose my family home. The bank did NOT follow homeowner bill of rights and did not factor in COVID or any foreclosure prevention solutions and not any notices at all. PLS HELP!!
Product: Credit reporting

Hello, So a couple days ago I had gone in to apply for an apartment and received a notice back saying I could not be accepted because I have a consumer frozen file. I have gone into the Experian credit bureau and spoke with all three credit bureaus on the phone and was told because I have absolutely no credit there is no files that come up under my name. I have received the document the apartment is seeing and it does show that I have a consumer freeze. Please help me as soon as possible so I can get into my new apartment. If there is a freeze I would like it removed immediately!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block Inc ) due to inadequate costumer 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 compare with resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

Since this is my second request, I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXXXXXX 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

I received calls from a series of related phone numbers from XXXX, WA, identified by the person calling me as GC Services. Their website : https : //consumerportal.gcserv.com/. 

These calls were received on XX/XX/18, XX/XX/18, and XX/XX/18. On XX/XX/18, the man who called me immediately demanded to know personal identifying information when I picked up the phone, including my address and Date of Birth, while refusing to disclose why he was calling, on whose behalf, or what the call was in regard to. I refused to provide personal information to someone making unverifiable claims on behalf of GC Services who would not tell me what the call was regarding. I have additionally received no written communication from GC Services prior to these calls, despite the fact this person recited my current address on file to me on the phone. I repeatedly asked the individual to identify themself and why they were calling, and they repeatedly asked for my personal information as described above. I finally had to end the call because it was frankly very disturbing to receive a phone call from an unidentified entity demanding personal information.
Product: Credit card or prepaid card

I have been a Discover customer for about 3 years, with that I have one credit card and one Personal Loan. The amount owed on the personal loan is {$4300.00} and {$1300.00} on the credit card. On XX/XX/XXXX my baby was born and I was going through extreme financial hardship. The months where the accounts were not paid were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To begin Discover had the incorrect Mailing Address on file therefore I did not receive any statement, balances or mail from Discover. I was getting constant calls at work reminding me that I had late payments due and asking me " how would you like to pay this amount ''. Discover is only worried about me paying off my balance rather than trying to work with me.Not only was I interested in getting my account current, I was also interested in paying off the full amount. They have repeatedly expressed to me that they refused to work with me even if I pay in full. They have put me in a stress full situation where my credit score is so low that I can not qualify for a Mortgage. They have put me in a position where I am Financial unstable.
Product: Debt collection

XXXX XXXX XXXX {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Product: Student loan

since XXXX I have unsuccessfully tried to reach out to Discover Student Loans for assistance with my private student loan repayment. I have sent countless emails, talked to several representatives with little to no help. I understand the debit is mine and I am not trying to avoid paying back my debt however I have stressed multi times the monthly payments are just not manageable!!! payment deferment is only a temporary fix - I need a long term solution. After researching student loan modification I stumbled across an article written back in XXXX by Discover Financial Services stating they would be offering loan modifications- the plan would lower interest rates on distressed customers - this option was not offered to me! I understand each situation is different an must be worked out based on each individually borrower. I like many others that are looking for a solution however many complaints show that borrowers who sought to negotiate a modified repayment plan were denied - Why???? Can someone PLEASE help me find a more management solution????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have set up a payment arrangement with the credit card company. Please report accurately on the credit report that the account is getting paid as agreed. Thanks!
Product: Mortgage

In XX/XX/XXXX, I entered into a rental contract with tenants. When the pandemic hit, they continued to pay rent, but stopped when I began a serious nuisance complaint and immediate eviction action due to illegal activities on the property. They didn't pay for six months, then left before eviction mediation proceedings leaving me with thousands of dollars of damage to my rental unit. I was left to pay over {$7000.00} to get the unit ready to rent in addition to the over {$6000.00} in lost rent, I am now one month behind on my mortgage after sending the mortgage company over {$4000.00} in XX/XX/XXXX and consistently send extra money with each payment. With the late fees, and interest, I can never catch up. I was ineligible for the UniteCT program for mortgage relief as the former tenants refused to sign the paperwork. Capital for Change has continued to charge me late fees and interest throughout the pandemic, and continue to this day. I am at my wits end, and financially strapped. Why aren't there any grants to assist struggling homeowners who depend on rental income?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that Equifax, XXXX and XXXX to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX {$950.00} Account # 4 XXXX XXXX XXXX XXXX Account # 5 XXXX XXXX XXXX {$180.00}
Product: Money transfer, virtual currency, or money service

I recently sold some stock from my investment account with XXXX and was looking to access the cash quickly for bills I had due. As such, I have a newer ( less than six months ) Chase bank account opened, that I wanted to the funds to go to. As a result, I opened my chase app, found my account number, and wire routing number. I specifically, found the wire routing number because I know its different from the regular routing number as I have sent wires in the past. I complete the outgoing wire process with XXXX, and wait. They say it can take up to 24 hours, but usually it only take 2-4 hours if that. This was on XX/XX/2022, at XXXX XXXX XXXX  time. By XXXX, Im in the phone with Chase and they notify me that my type of account ( whatever that means ) can send or receive wire transfers. At this point my XXXX is on the floor, and I am completely confused, concerned, and just worried. 

The first agent I speak with at chase tells me not to worry we can convert your current account into an account that can receive wires. He walks me through all the information you must share with a customer opening a new account essentially. Then at the end, he tells me Im having a system issue and I cant do it. Please go to a local branch, they will be able to do it. Confused, I say ok, but request to speak to someone who knows more about and or deals with wire transfers. Once transferred I share my situation with her, she tells me shes never heard of any chase account that cant accept wires, and advises that the previous teammate has no idea of what they are talking about. She places me on hold, comes back to the line to tell me she was wrong, and there are accounts like mines that cant accept wires. She advises that the wire will come in that day sometime, be rejected, and sent back to where it came from. Its been over 24 hours and chase has yet to receive my wire. Im not upset with XXXX  because I have previously did this with my XXXX XXXX XXXX  account and had no issues whatsoever, so this isnt an XXXX thing, its a chase thing. XXXX provides me with this reference number XXXX ; however, chase swears they cant do anything with it. This is unacceptable for many reasons. First if my account cant accept wires, dont provide me with the wire routing number in the app. It shouldnt be available to me, because that insinuates that I can send or receive wires. Next, your customer service against telling me completely different things, because I later called chase that same day on XX/XX/XXXX, and they advise me that accounts cant be converted at all. Id have to open a brand new account, I can not simply upgrade my account. I have XXXX plus dollar sitting in transit somewhere and chase wont do anything to help me! They later sent me a letter saying the issue has been resolved, when nothing has been resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to put a security freeze on XXXX, Experian, and XXXX. XXXX and XXXX are no issues, they allowed me to put a freeze on the phone. Experian IS AN ISSUE. To put a freeze on them, they want me to mail my address, date of birth, social security number and 2 proofs of address to them. The letter to them is to be titled " Experion ''. If I do this, anyone who sees a letter to " Experon '' could open the letter and see all my personal information and I would be subject to identity theft which is what I'm trying to avoid. Please make them allow a phone freeze like the other 2 agencies. I did not give any of these agencies permission to hold any identity information about me in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A Creditor may not treat a payment on a credit account under an open en consumer credit plan as late for any purpose.
Product: Debt collection

Back in XXXX I had XXXX treatment for my both legs at XXXX XXXX XXXX in XXXX, nj by that time I had XXXX XXXX XXXX XXXX XXXX and I was supposed to pay for a copay I cant remember the amount now but it was an affordable amount to me. 
Now after 5 years around XX/XX/XXXX I received a letter from iCS system trying to collect XXXX to that treatment. 
After several phone calls, I spoke to XXXX XXXX XXXX the supervisor for collection department he analyse the case and said a mistake was made and bill will be adjusted finally balance came down to XXXX and they offer me a XXXX payment plan couple weeks ago so they said when you are ready call us so we can proceed. Then I decided to call XXXX to make sure I was supposed to pay that balance I spoke to XXXX XXXX he said on the XXXX treatment XXXX XXXX accepted {$1500.00} as a payment insurance paid {$1400.00} and i paid {$88.00} copay.So again yesterday XX/XX/XXXX me and XXXX from XXXX spoke to XXXX XXXX on a 3way call he was laughing at me and the other guy saying my balance was XXXX and had to be pay. Later yesterday I got an email from XXXX XXXX that I had 5 new accounts on my credit so when i looked they reported to 3 credit bureou 1 bill for XXXX and 4 more for {$500.00}. 
According to new law after receiving a bill we as a customer have 1year to settle the bill down and they didnt wait after 1 month sending me the bill they add that crazy amount to my credit so i need help removing that because they are forcing me to pay XXXX immediately or my credit will be ruined. Im a hardworking person my husband too, no criminal records and I can accept that this is really aggravating and looking at XXXX reviews they seems to do that to a lot of people. Please help me I have a XXXX old and need my credit restore, thanks
Product: Money transfer, virtual currency, or money service

On approximately XX/XX/2019, my daughter and I purchased a prom dress online from an online store. The dress was supposed to take 7 to 14 business days for us to receive it, however after 2 months we still had not received the dress.. On approximately XX/XX/2019 I reached out to my bank to file a dispute for the missing merchandise. The bank responded that the merchant " PayPal '' has confirmed merchandise was shipped and therefore could not confirm any error occured because the transaction was not fraudulent. 

Once I was notified of the merchant 's information from my bank, I reached out to them ( PayPal ) to inquire on the merchandise being sent or a refund being issued. This was around XX/XX/XXXX approximately. I was advised by a representative at Paypal that they do not sell merchandise and could not do anytging because the bank denied my claim of fraud. I reached back out to my bank to have the claim reopened and I also contacted and filed a complaint with the FDIC ( claim # XXXX ). After several months and many communication, I was advised the bank and FDIC can only contest the validity of the purchase and I would need to reach out to CFTB to file a complaint. 

Prior to contacting you and filing this complaint, I reached out to the merchant ( Paypal ) to again inquire on having a refund or the merchandise so that a return can be processed and was told again they could not assist because the bank had already denied the claim. I advised XXXX that the bank denied the claim because the transaction was not fraudulent, however still no merchandise had been received. She stated it was nothing Paypal could do since the bank denied the claim. I asked to speak with a supervisor and was put on hold for over 30 minutes with no one returning to the line. I have not neen able to get my merchandise ( which I no longer need because my daughter has now graduated and missed her prom ), nor a refund. I simply want my money back at this point.
Product: Debt collection

To Whom It May Concern : I am sending this letter to you in response to a notice I received from you.

Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above name Title and Section. I respectfully request that your office provide me with the competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statue of Limitations has not expired on this account.

Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent