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

I purchased 2 Money orders ( XXXX & XXXX ) on XX/XX/2020 as payment toward my rent. Both money orders were made out for {$500.00} each. I dropped the Money orders in a sealed envelope Mailbox in front of XXXX XXXX XXXX @ XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2020. 
The Money Orders never made it to their intended destination. Instead they were stolen while in transit. I called Money Gram and paid {$18.00} for a copy of the cashed check to see where the money was deposited. The Money Orders were endorsed by an individual with a XXXX XXXX account because the account # on the check referenced a XXXX XXXX BIN XXXX. I called Money Gram back and requested they find out who had stolen my money. They told me that they are not responsible for stolen Money Gram Money orders and I needed to reach out to XXXX XXXX to get my money back. I reached out to XXXX XXXX, they told me they can not open a dispute to get my money back although they are the ones who allowed their customer to steal and cash 2 money orders that were clearly NOT made out to their customer! I just want my money back so I can pay my rent. But no one seems to have any answers or need to help me find my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

We never authorized any credit checks with this company named Credco. They ran our credit twice ( X2 ) through XXXX  ( both my wife and I ) on XX/XX/2020. When we advised them that we did not authorize this they requested further personal information from us such as Government ID, Social security numbers, and a utility bill in order to put a freeze on our account. All 3 bureaus have been notified and are monitoring for any potential fraud, this Credco company is either taking part in this fraud scam or is helping the potential fraud scam.
Product: Debt collection

On XX/XX/2020 ROZLIN FINANCIAL GROUP placed a collection on my credit for {$54.00}.

I do not owe this company any money. This collections account was placed on my account illegally. Please assist ASAP!
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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: 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 ). One instance I was scammed on their platform and was not assisted in trying to regain my fund. Specifically, Cash App failed to take timely and effective measures to prevent a 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is to put XXXX XXXX on notice that it is putting inaccurate, incomplete, and unverifiable information in my credit report. XXXX XXXX is knowingly placing inaccurate and incomplete information in my credit reporting despite being notified. XXXX XXXX is placing an alleged charged off account in my Trans union credit report claiming that I owe a balance of {$1000.00}. That is false and misleading, to say the least. That could not possibly be the case when XXXX XXXX sold the alleged debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX is placing the same alleged debt in my credit report for {$1000.00}. Can I possibly owe the same {$1000.00} to both XXXX XXXX XXXX and XXXX XXXX at the same time. The answer is " no ''. The answer is either I owed the same alleged {$1000.00} to XXXX XXXX XXXX XXXX or XXXX XXXX. Both companies placed the same alleged debt in my credit report for {$1000.00}. Therefore, the information is inaccurate and incomplete. As such, I demand to have the alleged charged off from both XXXX XXXX XXXX and XXXX XXXX for {$1000.00} be deleted from my Trans union Credit report immediately. Failure on the part of XXXX, and XXXX XXXX XXXX Trans union credit reporting Agency is a violation of the FCRA.
Product: Debt collection

Account #  XXXX  and  XXXX  I called t oday     XXXX 17   at  XXXX   XXXX  ad spoke with  XXXX   XXXX  about  XXXX  accounts that they have and get validation the debt.  XXXX  stated they have no physical documentation in their possession to provide me stating that I own this debt and am responsible for this debt. She asked me to call the original creditor which I did before calling CCS. They stated that they no longer own the debt and all the information was transferred to CCS.     CCS is violating my rights under the FCRA by their unwillingness to furnish information validating the debt that they are trying to collect on. I do intend on filing a lawsuit for violation of my rights if this information ca n't be validated to me in writing.
Product: Checking or savings account

Dear CFPB, I am writing to file a formal complaint regarding the non-disclosure of the callable feature on a 12-month Certificate of Deposit ( CD ) I purchased through Merrill Lynch , as facilitated by Bank of America . The lack of disclosure and subsequent misinformation have led to significant confusion and financial loss.

Account Details : - Institution : Merrill Lynch ( facilitated by Bank of America ) - Account Type : 12-Month CD - Interest Rate : 5.55 % - CD Open Date : XX/XX/XXXX - Maturity Date : XX/XX/XXXX - Account Number : XXXX Summary of the Issue : On XX/XX/XXXX, during an appointment with Bank of America, I was guided to open a Merrill Lynch CD. I was instructed to finalize the account setup online. At no point during this appointment or the online account opening process was I informed that this CD was callable, meaning Merrill Lynch could terminate the CD early.

Two weeks ago, I noticed that my CD balance did not reflect the expected 5.55 % interest. When I inquired, Merrill Lynch advised me to wait until the maturity date for the full interest to be applied and did not mention any callable feature. Today, I learned that my CD was called in XX/XX/XXXX, which was the first time I was made aware that the CD could be called before its maturity. 

Impact : The early cancellation of my CD and the misinformation provided have caused the following issues : 1. Loss of Expected Interest : I did not receive the full interest for the 12-month term.

2. Reinvestment Challenges : I am now forced to reinvest my funds, potentially at lower interest rates, due to the unexpected early termination.

3. Misleading Information : I was misled by both
Bank of America and Merrill Lynch regarding the nature of the CD and received conflicting information when I inquired about my balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting you this CFPB Complaint today to have you, once again, to correct my Credit File from erroneous reporting of accounts and information. Under the Fair Credit Reporting Act, I am entitled to request from you an investigation and have the erroneous information corrected as soon as possible. I am submitting this Complaint once more to demand of you to correct my Credit file by updating or removing the following accounts from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$03.00} Also, on my previous Complaints and dispute letters, I have been requesting that you send me copies of documents resulting from your investigation and up until now, I received nothing! Your inability to prove me with my requested documents should have resulted in the correction or deletion of the disputed accounts.
Product: Credit reporting or other personal consumer reports

My data was breached and they refuse to remove these negative items from my report
Product: Money transfer, virtual currency, or money service

We intended to visit XXXX and the company used the Paypal portal to charge our stay. we cancelled it and he refunded our credit through Paypal.We received notice from Paypal that that the refund was received and was in process. On XX/XX/XXXX, we received notice from Paypal the refund had cleared and they had our money. i checked my credit card and there wasnt a credit for the sum - XXXX Euros. 

so i tried calling Paypal and went thru all the prompts and was finally told, via recorded message, calls would not be taken because of the virus and callers should the message center. 

texted the message center and waited 8 hours, with automated messages the an agent would would be with me in one minute, then 5, then an hour and then 3 hours. Now the site is down. 

no one from paypal ever responded. 

i dont know where my money is. 

paypal is still in business taking peoples money, but i cant get my money. And they are shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never in my life had a repossession not only is this completely reporting incorrectly but I have attached a screenshot showing all of the incorrect information reporting on this account. 

1. High Credit XXXX : {$8600.00} XXXX : {$14000.00} XXXX : {$14000.00} How is that credit bureau have a different amount? This is inaccurate. 

2. Date of Last Active XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX I am not sure how each credit bureau can have a different date. This was one account, not three. This is inaccurate. 

3. Date of Last Payment XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX This clearly shows an error and another reason for this account to be deleted for its inaccuracies. 

4. Payment History XXXX : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; Charged off as of XX/XX/XXXX XXXX  : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; 60 days past due as of XX/XX/XXXX and XX/XX/XXXX ; 90 days past due as of XX/XX/XXXX ; ; Charge off from XX/XX/XXXX to XX/XX/XXXX. 
XXXX : No late payment history provided. 

As you can see, the late payments being reported to do not match up and make it seem like I have more late payments than I should which are deceiving. This needs to be removed immediately. 

5. Date opened XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX As you can see this neither matches and is another reason this needs to be deleted from my acct. 

6. Monthly payment and number of months are also all reporting inaccurately. 


The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. 

If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) I have attached a screenshot of my credit report so you can clearly see how this account is being reported. 

I expect to receive a letter stating that this account will be removed from my credit report, or I will have to pursue further action. 

Respectfully submitted, XXXX XXXX
Product: Bank account or service

In 2011, when I was naive to internet scams, I tried to sell some of my old video games on XXXX. The buyer sent me a check, asked me to cash it and then send the money to his carrier for him. This turned out to be a scam, the check bounced and the balance was deducted from my bank account. Key Bank closed the account as SUSPECTED FRAUD when the status was UNPAID. I proceeded to pay back the amount owed in full, but it still shows up on my report as SUSPECTED FRAUD and UNPAID due to the immediate closure of the account before I had a chance to pay it back.
Product: Checking or savings account

Filed claim for fraud on account from XX/XX/XXXX to XX/XX/XXXX and did not receive full amount. Plus overdraft fees. Roughly {$5700.00} claimed, only received about {$3000.00}.
Product: Checking or savings account

I am filing a complaint against Navy Federal Credit Union in regards to many overdraft fees I have inccured. Despite having sufficient funds available when transactions were authorized. I was charged fees due to their lagging system posting charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Alpha recovery group is claiming that 2 accounts were opened on XX/XX/2018. I have disputed this accounts validity with Alpha Recovery and the results came back as verified with XXXX. However, this is not my account and I have never received correspondence via phone, email or mail from Alpha Recovery stating that a debt was owed to them. This in itself was a violation of my consumer rights because it did not allow me to dispute the validity of these accounts before being reported to XXXX. In response to the XXXX   dispute, I was sent a settlement letter via mail. They did not send me validation of the accounts in question as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting unverifiable information to the public which is damaging my character and well being and quality of life, I have been going back and forth fo years now for them to do their job correctly. I have an unauthorized inquiry XXXX XXXXXXXX XX/XX/2021 & Account XXXX XXXXXXXX XXXX that needs to be removed. I have attached all supporting documents. 
Please be advised, our records indicate XXXX XXXX contacted the XXXX XXXX XXXX directly via phone on XX/XX/2021 alleging the inaccurate reporting of bankruptcy records listed in his file. XXXX located the bankruptcy records he is questioning and initiated a dispute of the said records on his behalf. This reinvestigation was resolved on XX/XX/2021. During our reinvestigation, XXXX removed dismissed bankruptcy records case numbers XXXX, XXXX, XXXX, and XXXX from consumer reports prepared by XXXX XXXX XXXX XXXX XXXX. A resolution letter outlining these results along with an updated consumer report was mailed to XXXX XXXX 
XXXX directly for his review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified XXXX letter to XXXX XXXX XXXX referring g to account beginning in XXXX asking them to verify a debt that I owe to them. They have ignored the request to verify the debt in the allotted time allowed by the FCRA
Product: Debt collection

Consumer received written notice from Ability Recovery Services , LLC ( " ARS '' ) demanding {$2300.00} on or about XX/XX/XXXX. In connection with the collection of a debt, ARS represented, directly or indirectly, expressly or by implication, that Consumer owed {$2300.00}. The representation was, in fact, false or was not substantiated at the time it was made. 

In XX/XX/XXXX, ARS furnished this false information to each major consumer reporting agency ( " CRA '' ). ARS communicated to third parties that Consumer was several months delinquent on a debt owed to XXXX University in the amount of {$2300.00}. ARS furnished this information post notice of inaccuracy by Consumer at the specified address for such notices.
Product: Debt collection

Received a letter from Convergent Outsourcing , Inc and XXXX regarding an account they purchased. The amount they are attempting to collect is not what the charged off amount reporting to the credit bureaus is. They have raised the amount to try and collect more money in which the amount of debt is not for.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I realized theres a few inquiries that I did not authorized. In accordance with the FAIR CREDIT REPORTING ACT, I hereby request an investigation into these unauthorized inquiries from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX all these inquires on XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX all these inquiries on XX/XX/XXXX Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. 
The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2.
Product: Debt collection

On XX/XX/XXXX a legal hold was placed on my account. On XX/XX/XXXX I realized this. They held {$190.00}. On the XXXX my payroll check was deposited, that took {$1400.00}, did not leave me a XXXX to live on. I have signed a payment arrangement with them on XXXX XXXX and they still have not sent the release paper to my bank. They have recieved more than enough to cover first payment. Now I can not reach them. I have left numerous voicemails cause thats all you get and have sent just as XXXX emails, no answer. I need the hold removed and my funds returned so I can pay my rent.
Product: Credit card or prepaid card

Starting in XXXX of XXXX, XXXX has been posting two finance charges every month ( XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ) on my account. Upon talking to XXXX people to determine why this occurred, I was told it was 1 ) due to not paying off a promotion within the month and 2 ) new charges. This makes no sense and how are they allowed to do this?
Product: Credit reporting or other personal consumer reports

I demand hard inquiries, charge offs, late payments to be removed from my credit report. These companies are violating my rights with harassing spam calls demanding money for payments that do no exists. These companies have not provided valid information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed collections & late payments on consumer report.
Product: Credit card or prepaid card

I applied the American Express Hilton Honor credit card ends in XXXX XX/XX/XXXX, with referral and because of the card welcome bonus - spend {$2000.00} in XXXX months to receive XXXX points. 

I've reached the goal of {$2000.00}, but I have not received the pts yet. 

I contacted the representatives, and they said there was no welcome bonus offer, and I was notified there was no this offer when I applied. 

However, I'm sure I didn't see any of those notification before I apply, otherwise I would simply not apply for this card. 

I have like XXXX credit cards and maintain a like XXXX % credit use ( total creidts like XXXX ) with XXXX missed payment in the last XXXX  years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a payment arrangement and contract with Select Portfolio Servicing in the beginning of XXXX and have made the payments on time, however SPS has been reporting my payments as delinquent and that is an error. The arrangement was to lower the monthly payment temporarily and SPS agreed to this, but reported to the credit bureaus in error and did not report to the credit bureaus accurately reflecting this change. The payment plan we have in place has been paid on time and the loan is being reported as delinquent when it is in fact current with our existing agreement and has been. All letters I have asked for verifying this have come without company letter head and also state the original monthly payment amount which is not relative to our payment agreement or my on time payments which are NOT delinquent as erroneously reported. Your letters say that I am past due, however the payment plan was paid as agreed and that is misleading information. The letter also does not reflect the on time payments for six month unemployment plan. I have never missed a payment as agreed with your company and yet you are still reporting me as delinquent. All payments under the new agreement have been made as agreed and SPS is not reporting the loan unfairly and unethically to the credit bureaus as delinquent which reflects as if I am not paying the loan at all, which is not true because I am current with our agreement. A new agreement was made to defer payments on XX/XX/XXXX and it is still being reported as delinquent. It is not fair to report the payments as delinquent when the payment plan is paid as agreed. My credit score has went from the 600s to the 400s because SPS is reporting the monthly payments as delinquent and that is FALSE. The monthly payments are current according to our agreement and I would like SPS to current the false reporting and backdate the delinquent payments as current according to our plan.
Product: Credit card

I attempted to make a purchase by redeeming my credit card. I could not make the purchase because points were linked to an old card number. There is an option online to upload new card information, I attempted to use this option by entering my information. When I entered my information, the computer prompted me to call a number. I called the number and they told me they couldn't help and to call another number. I called that number and the rep said she couldn't help and to call back. I called the first number and the woman said I could fix the issue by ordering another card but it would take 7-10 business days to receive. I told her I needed a new card ASAP and asked her to do next day shipping as a courtesy, she agreed. Our call was disconnected before she could process my request. I called the same number back and a new rep said " we don't do that here, you must call citibank for a new card. '' I called citibank and they said in order to get a new card, I would have to verify my identity by sharing the hree digit code on the back of the card that I don't have. 

Wayfair is making it almost impossible to use/redeem my points!