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

XX/XX/year> around XXXXXXXX XXXX I went to a store location to add money to my cash app account. than at XXXXXXXX XXXX the {$220.00} I had just had loaded into my cash app account wasn't there. My account was hacked and my money was gone. 
As soon as I see my money gone I do what is suggested by cash app and I started aive chat with cahapp support where I reported the fraudulent activity followed by me asking for a refund. Than they said they'd look into it. The next day I didn't hear from them i think it took a week for them to tell me they didn't find any error and refused to refund me my money. Thats when I asked the if they could tell me whichp device took that off my account and again they refused. So Im extremely frustrated
Product: Checking or savings account

Paypal transaction Afternoon XX/XX/2019 I received a text message about an amount of money being sent. Paypal sent me a text message to reply yes or no to confirm suspicious transaction. It opened a case then a comment was left on " spoof case created via IVR XXXX ''. I did not make that comment. 
I change my account information immediately. 


The money in the transaction was pulled from my banking to paypal to a sketchy account. 

This is the transaction ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help me XXXX XXXX  card closed out my account back on XXXX XXXX and equifax closed my account and my score dropped like 60 points .... Equifax closed the account again on XX/XX/2021 causing my score to drop again 85 more points.. These closed the premier bank card again.. This is unfair and has dropped my credit score 85 more points. I am trying so hard to rebuild my credit so that we can refinance our home and equifax is being unfair in their investigation into this matter.. Please help me remove this error from my credit report..
Product: Debt collection

Received an email address XXXX from some source stating it was XXXX XXXX about my credit score being decreased to XXXX and did a dispute and got a message saying contact XXXX  about the dispute and I contacted XXXX  which informed me that this collection agency or the company that I represent wasn't on my credit report. I even contact the collection agency and would give me accurate information. Here 's the link I click on below stating it's from lending tree : 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 & XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX and XXXX regarding the validity of the account listed below. I have only gotten a letter stating its accurate, no proof that this particular collection is indeed mines. No names, No telephone number, No signed contract by me.This is a violation of FCRA 15USC 1692 ( e ) and 15 USC 1692 ( f ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to keep a closed account showing negative information after I requested for it to be deleted. Per 15 USC 1681 sec. 602A and sec. 604 A sec 2 codes of XXXX laws was reported as being violated. I made the complaint and asked for the account # XXXX at XXXX XXXX XXXX XXXX XXXX with {$1400.00} balance to be deleted due to my Consumer rights being violated and as result the account is being reported as only closed yet is still including all the negative information concerning that account. I would like to have the payment details and balance deleted as per my first initial complaint requested please. Thank you
Product: Checking or savings account

I had a Credit Karma saves account in which I was issued a debit card. I used my card a few times then stopped using it just for emergency purposes only. Well, one day I go to check my account and its in the negative in which {$2400.00} was stolen. I have my physical card on me and my pin or info was not given out so I know its fraud. I call Credit Karma immediately to file a dispute in which they give me 3 claim numbers. It takes them ONE day to deny majority of my claim I recieved {$530.00} dollars. They sent me a document with the determination stating basically saying since I used my card one time ( by chip ) all the other transactions were authorized. They did not take into consideration all other transactions were ONLINE because the perpetrator didnt have my physical card. Once I reported they immediately closed my account down to where I couldnt get any of my info. There were online transactions that occurred to companies that I had no account with ( XXXX ) and multiple online transactions from XXXX ( reoccurring transactions in XXXX day ) which I provided them proof that I had no current online purchases with these stores. I contacted these stores and was told Credit Karma should have the invoice/transaction numbers to look into it. My problem is Credit Karma didnt conduct a thorough investigation within XXXX day and that was my right violated as a consumer. None of the merchants were contacted to check if an invoice was sent to me for those orders. They didnt confirm with the merchant if the items were shipped to the billing address of my card, they didnt look into IP address, email to confirm. There were multiple attempts to use my account after it had insufficient funds. They didnt consider that a red flag that maybe someone didnt have access to check the account and was still trying to steal money from me.They provided me with no proof that I made these transactions other than ONE transaction that I actually made using my physical card to go into a store. Again, I have no invoice number for any of these purchases and that should have been confirmed with the merchant in the investigation. I filed a police report for a few of transactions in which my account was used at a XXXX XXXX XXXX in my area but as online orders at a time when both of the restaurants were CLOSED. I provided them with that info as well to show that was a red flag and it wasnt considered that maybe someone has my info. I have been trying to cure this issue with Credit Karma for almost two months now. Upon request the team member refused to issue me my bank statement and last call I made to them the person I was talking to refused to give me his call id number so I would know who I was talking to. He then proceeds to give me a first name and tells me he cant provide me with a last. I can tell that it wasnt his true name and that he was lying to me. I just want answers and my hard earned money that I worked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {, Experian this alleged account is over 7 1/2 years old OVER THE STATUE OF  LIMITATION YOU REFUSE TO REMOVE THIS ACCOUNT STATING PAYMENT WAS MADE IN XX/XX/2015WHEN YOUR OWN OMISSION ON YOUR CREDIT REPORT SHOWS NO PAYMENT in XX/XX/2015 you are commenting fraud and violating my rights respond to the dispute and remove at once I can and will send all documents to congress for an investigation of your credit reporting my congressman was interested in this case when I talk to him, TEN DAYS NO MORE <XXXX you have made false reports on this dispute show were any payments was made to restart the statue of limitation actual documents of be perpared for legal case to be brought forword against you also TEN DAYS, the CFPB is being used as wittness to this case for legal case if need be
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with FCRA. The accounts listed below violated my rights to privacy and confidentiality under 15 USC 1681 CXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX # XXXX 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 consumer reporting agencies can not furnish an account without my written instructions 15 U.S.C, 1681s-2 [ A ] [ 1 ] A person shall not furnish any information relating to the consumer to any credit reporting agencies if the person knows or has a reasonable cause to believe the information is inaccurate
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times, my Zelle participants that I use on a weekly or monthly basis, still have issues. Today they are ok, they are verified, they received the money or vice versa, tomorrow or THAT SAME day, I can not send money or vice versa because they do not exists. I have had to call my financial institutions or they have had to while the money just sits there. Going through hoops basically for a contact I have and have used in the past many times.
Product: Credit card

I received a letter in the mail saying I had been prequalified for a Capital One Quicksilver Card. The letter said to visit : getmyoffer.capitalone.com. On XX/XX/XXXX or XXXX ( XXXX  ), I visited the site and entered my information. I was given an offer I didn't like and I didn't follow through with actually accepting the credit card. Up until this point all of the language on the site was geared around " Viewing an offer, '' I didn't select anything related to actually applying for a credit card. So after I saw the offer I logged out of the account. Today, XX/XX/XXXX I got an email saying my new credit card had shipped. So I called Capital One and told them to close my account. 

I don't remember the actual language on the site, but I specifically avoided selecting the option to go ahead and open the credit card.
Product: Checking or savings account

I use an online service XXXX XXXX to manage my budget. Two weeks ago the service started failing to access my Optum XXXX Account. XXXX uses several aggregator services ( XXXX, XXXX, and others ), none of which are working to allow me to connect XXXX to Optum Financial XXXX. The options available to connect are Optum.com and Optum Bank, neither of which are working.
Product: Credit card or prepaid card

I bought a plane tickets using XXXX XXXX XXXX. I got sick and cancelled the flight. I had an insurance provided by a Chase Sapphire credit card. I went to the doctor and have a doctor notes confirming my sickness and clearly stating what conditions I had. I submitted an insurance claim. Until now I did not get my points back and it is already an 8 month insurance company keep asking me for new things which I keep sending them, however no meter what I had provided it is not enough for them. I am very disappointed with how Chase sapphire handling this situation and I feel that insurance on the card is simply a ripoff and a fraud.
Product: Credit card

I recently had a credit card charge declined ( credit card company Chase ) and contacted customer service for the credit card company for an explanation. As part of their security questioning to ensure that I was the cardholder, they asked me specific security questions which involved verification of information I had never disclosed to them in the past. For example, in XXXX question ( which had multiple choice answers ), I was given choices for the " height '' that is listed in my driver 's license number. For another question, I was given choices for the " profession '' in which I hold a professional license. While I understand that this information is available in the public domain, I find it unethical and disturbing that the credit card company is " mining '' this information from the public domain and connecting this information to my account. I am happy to answer security questions for which I have provided the " security answers '' previously, but it is absolutely WRONG that this credit card company ( or perhaps they all do it! ) is allowed to use information I have never given them for security verification purposes. Given the frequency of data breaches in the modern world, having this additional personal information connected to a credit card account gives hackers even more information to be able to steal identities and commit fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MI XXXX XX/XX/XXXX Ally Financial Ally Financial Inc . 
XXXX XXXX XXXX XXXX, MI XXXX Re : Unauthorized Credit Inquiries Immediate Removal and Statutory Damages per FCRA 1681b Dear Ally Financial Compliance Department, I am writing to formally dispute unauthorized credit inquiries made by Ally Financial on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. Under 1681b ( a ) ( 2 ), the FCRA strictly limits inquiries to instances where there is a permissible purpose, such as my explicit consent or a legitimate business transaction. The following inquiries on my credit report lack such authorization : XXXX. Ally Financial inquiry dated XX/XX/XXXXXXXX XXXX Ally Financial inquiry dated XX/XX/XXXX XXXX. Ally Financial inquiry dated XX/XX/XXXXXXXX  I have no account or established business relationship with Ally Financial and have not given consent for you to access my credit report. Each of these inquiries represents a clear violation of the FCRA. These actions entitle me to statutory damages of {$1000.00} per violation as specified under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ). Accordingly, I am seeking {$3000.00} in statutory damages for the three violations, in addition to the immediate removal of these inquiries from my credit report.

Please respond promptly to this letter to discuss how we can resolve this matter amicably. Failure to do so will leave me no choice but to explore other remedies, including filing legal action in Federal Court to seek statutory damages, as well as attorney fees and costs, to enforce my rights under the FCRA.

I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX Email : XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im writing to dispute the following review on the improper use of my credit reports. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy 15USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC166B. A creditor must not treat a payment on an account under a credit account under an open and consumer credit plan as late for any purpose. 

Please see the following accounts outlined below all reports on XXXX, XXXX and XXXX. : XXXX XXXX XXXX XXXX : XXXX & XXXX of XXXX. XX/XX/XXXX Late payments reviewed on my credit report. 
US bank : XX/XX/XXXX late payment reviewed, XXXX, XXXX and XX/XX/XXXX Late payment reviewed on my credit report.
Product: Debt collection

My collections from benefits were paid by insurance. I also disputed several reports and they said it would be removed but its still on my credit report.
Product: Mortgage

15 u.s.c. 1635 - right to rescind, I sent them notice of fraud and they have continued to report negativly to my credit report, without even disclosing that I had the option to opt out of them reporting negative items on my report. I have wrote letters to the CEO and the finance company.
Product: Money transfer, virtual currency, or money service

I have been in contact with Crypto.com since XXXX, initially contacting them on XX/XX/XXXX. We continued the conversation through to XX/XX/XXXX without resolution in regards to getting me the correct amount for the XXXX XXXX. Conversation resumed on the XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Still reaching no resolution, I sent follow-up tickets to check progress on XX/XX/XXXX with continued conversation on the XXXX, XXXX, XXXX, XXXX, XXXX and the XXXX to no avail. At this point, they are only providing the response that my request is being sent to the correct department to be processed.
Product: Credit reporting or other personal consumer reports

REFERENCE NUMBER : XXXX REFERENCE NUMBER : XXXX ACCOUNT NUMBER : XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX dated XX/XX/year> regarding a dispute on the above account & reference numbers & also previous disputes regarding this account and reference numbers. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX is a CORPORATION - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE.

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Product: Credit reporting

This company is the only XXXX out of the XXXX agencies that refuses to help and take care of this fraud. 

All these inquiries are fraudulent : XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX/XXXX/2015 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized activity on 8 open accounts. XXXXXXXX XXXX XXXX account XXXX late payments account updated payments {$11000.00}. false update past due as of XX/XX/2024 client did pay {$380.00}. XXXX XXXX account XXXX {$980.00} closed collection account didn't give permission to sell this account. XXXX XXXX XXXX sold unauthorized account number XXXX. XXXX XXXXXXXX XXXX XXXXXXXX account number XXXX sold my information without my permission. XXXX XXXX XXXX XXXX XXXX XXXX sold account without my unauthorized account. XXXX XXXX XXXX XXXX sold without my permission. XXXX XXXX XXXX XXXX debt buyer sold without my permission. Hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This is the second time since XXXX that Sallie Mae has done an automatic rollover of a cd at a lower rate than premium and also rolled over against my wishes. 

Basically their process is predatory by not allowing you to opt out of automatic CD roll overs, and the process doesn't allow for you to call in to close your account less than 30 days when it is due. 

Considering that most cds are long term and the bulk of their consumer base investing in this product is going to be elderly, this really seems set up so Sallie Mae can trick customers into forgetting to close out their CD to the renew the CD at a rate lower than what is offered if you rolled the CD over yourself. They also then hold your money XXXX by charging you a 6 month penalty to close out the CD if you miss a 10 day window out- doesn't matter their window was 365 days. 

Basically, I was going to pay down my heloc with this money, lmao, the representative decided to rub salt in the wound and mentioned that not only are they either keeping my money for another year at a measly 4.8 % and forcing me to pay the 8.5 % interest on the loan instead, but then decided to be XXXX and mention that a rate on their loan product would've been lower lmao.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account still shows a XXXX  XXXX XXXX XXXX  as " open '' although the loan was paid off XX/XX/2021. 
I filed a dispute, but their website was unable to upload my payoff confirmation letter. 
I then called Equifax, but was told that they are unable to accpet documentation submitted AFTER a dispute is filed. 

Complaint : Equifax 's policies prevent a consumer from submitting documentation in order to resolve a dispute
Product: Mortgage

1. Caliber Home Loans acquired our mortgage loan XX/XX/XXXX from XXXX XXXX XXXX XXXX., XXXX XXXX, California 2. We paid {$2200.00} on XX/XX/XXXX using electronic Bill Pay through XXXX XXXX XXXX XXXX, showing the payment was received and posted through XXXX XXXX XXXX XXXX. TRACER : XXXX CUST CKF : XXXX 3. The payment cleared our account XX/XX/XXXX 4. Received a statement indicating two payments were due so we called the number provided numerous times, but COULD NOT reach anyone to speak to, so we sent a message to Billing and Payment asking about the payment that was not showing up in the online system. We received an answer indicating a response would be received within 5 days, which did not happen 5. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 6. The payment cleared our account XX/XX/XXXX 7. In XX/XX/XXXX we printed our Form XXXX, which indicates we only paid 1 month of interest, which should have been double that amount.

8. We made the XX/XX/XXXX payment of {$2200.00} online on XX/XX/XXXX 9. The payment cleared our account XX/XX/XXXX 10. We received our first AND ONLY phone call from someone indicating it was a collection call, he was demanding payment over the phone. We told him we had NOT missed any payments and would not provide the caller with any payment over the phone. We tried to call back to reach someone at the Mtg. company but no one would answer, so we sent another message indicating we needed help with our account.

11. We made the XX/XX/XXXX payment of {$2300.00} online on XX/XX/XXXX, which included a late fee of {$78.00} that was placed on the account 12. The payment cleared our account XX/XX/XXXX 13. We sent copies of everything to Caliber which they signed for 3-4-19, and received an answer from them 2 days ago indicating " Caliber has reviewed the documentation provided within your present inquiry and found no evidence that a payment was received on XX/XX/XXXX. '' 14. I had XXXX XXXX research the payment further and have their response with the details of this ACH Payment to Caliber.

This loan is in my husband 's name, but the home is deeded to both of us.