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

On XX/XX/XXXX I purchased a XXXX XXXX which was listed on XXXX and traveled to pick it up in person. I paid with it with Venmo and paid extra to cover the extra fee for buyer protection. 

On XX/XX/XXXX I realized the product was clearly counterfeit. It was electrically unsound, did not have the right power supply, had mis-printed buttons, had a serial number that did not register with XXXX and they had no record of it. 

I submitted photos to Venmo and explained the situation and opened a dispute. They said they would give the seller within 15 days to respond. 

On XX/XX/XXXX they told me to return the item and pay shipping costs. 

I appealed saying that it was a clearly counterfeit item that should not be returned to the fraudulent seller. I thought they had misunderstood. I also offered to ship it back if actually necessary but that it would only be fair if Venmo or the Seller covered the cost as I had traveled to pick it up in person. 

I appealed to this and opened an additional case they said would get a response. They did send emails reminding and I called in from time to time to check on the case but no one responded to my explanation and evidence of the counterfeit product and evidence. 

I got an email eventually saying it was denied. So I escalated the case and had them re-open it. I also submitted more new evidence at XXXX request. 

I did not hear back for 15 days. 

I kept asking what was going on and for a response on whether I still needed to return a counterfeit product. I never got a response. Sometimes they asked me to reply to my case manager who had never replied to me. 

Eventually I got an email saying the case was closed and no appeal could be made on XX/XX/XXXX. 

I find their buyer protection to be misleading and that the requirement to ship it back is inappropriate and unexpected and not clearly detailed enough in their product. It also doesnt well cover situations where the item was not shipped in the first place. Venmo is offering a misleading product and not living up to the protection they claim to give consumers.
Product: Vehicle loan or lease

Lease was a 36 month agreement, starting XX/XX/XXXX with  Chase Auto Finance with myself as the cosigner and my father as the main signee. In XX/XX/XXXX, my father XXXX   XXXX due to XXXX. Rather than sending further bills to myself, Chase stopped sending the bills despite the lease being pay bill by mail. I called on XX/XX/XXXX and paid by phone after dealing with a customer service representative who assured that all bills would be sent to myself till lease was completed. Instead, however, they continued to refuse to send the bill, all while charging me and adding late fees to my account. They additionally marked myself as having delinquent payments and tanked my credit rating despite never contacting me at all in those months, nor trying to collect. They only got in contact with me on XX/XX/XXXX to try to threaten me with taking me to loan collections, months after they'd already said they'd send me the bills and failed to do so. Further phone calls reiterated that while they had messed up, they refused to do anything about the marks applied to my credit rating as well as blamed me for their failure to send the bill, stating that it was something I could mail in despite never receiving said bill. I paid the next day by providing my bank account information in a call with Chase Auto Finance. On XX/XX/XXXX, they called again to ask about a late payment for yet another bill, despite having said they'd send the bill on the XXXX back when I talked with them and that I had tried to pay everything off just a few days earlier on the phone. 

I inquired then as to the black marks on my credit rating that they had applied, and their response was to to effectively tell me that it was not their problem, and that I was to blame as I could 'send the payment in by mail ' despite Chase Auto Finance never sending said bills. They fully expected me to pay bills off without receiving any and got defensive when I asked how they expected me to pay by mail without ever receiving said bills before terminating the call. Chase Auto Finance has made it clear that they do not care about keeping their end of any agreement signed.
Product: Debt collection

XX/XX/XXXX I am unaware of this alleged debt that the Jefferson Capital System stated I owe them in the amount of {$12000.00}, that I supposedly opened with them XX/XX/XXXX. Per consumer law a collection agency has to provide validation of any debt on my consumer report under 12 CFR 1006.34 ( b ) ( 5 ). If they do state they have provided the information, I would like the method of validation, all correspondence of who you talked to, their phone numbers, emails and addresses. I have not been given a chance to dispute the account according to 12CFR 1006.34 ( c ) ( 4 ) ( I ) The collection agency is violating my consumer rights by using false misleading, misrepresenting and deceptive means.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.
Product: Checking or savings account

When using Capital One 's bill pay feature the bank deducts the funds from my account the day the ( paper ) check is sent ( via XXXX mail ). I understand that some transactions are electronic and XXXX therefor warrant an immediate deduction but that's not the case here. The latest incident involves a payment request for a local electrician who has not provided his bank account information and does not receive electronic transfers so sending a paper check is the only option. On XX/XX/XXXX I requested that the bill be paid to the electrician and the bank immediately deducted the funds from my account. Yesterday, XX/XX/XXXX, the electrician contacted me saying he had not received payment. I called the bank ( speaking with XXXX and XXXX in XXXX ), stopped payment on the check, and was told that they would open an investigation and pending the results, the funds might be returned to my account in 4-6 business days. I asked where the money was and was told that they sent it to the electrician, which unless they sent an envelope full of cash, is not true. They've still got my money and are earning interest on it in the interim. Is this legal? It's not the first time Capital One has deducted funds in advance of payment ; it's just the most recent example.
Product: Checking or savings account

My and my wives joint bank account was hacked, and the perpetrators committed some kind of check fraud with which Ive had an ongoing investigation with the bank. Without authorization the bank has now debited my own checking account in only my name for a large sum of money and cant provide an explanation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DPT EDXXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Remove all fraudulent accounts Immediately. I reported I was trying to buy a house. I relieved I had damages to my report that wasn't being updated and removed. I reach out to each credit bureau Experian, XXXX, and XXXX XXXX asking to remove unauthorized inquires, false information, and collections and provide documentation. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681. XXXX will not let me view my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau regarding the lack of response from credit reporting agencies specifically for this complaint after multiple attempts to correct inaccurate information. On XX/XX/XXXX, I sent multiple letters to all 3 credit agencies ( Transunion, XXXX, XXXX ). 

XXXX ; XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX Tracking number of XXXX, which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

Transunion ; XXXX XXXX XXXXXXXX/ XXXXXXXX XXXX  XXXX. 
Tracking number of XXXX which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX USPS expected delivery date of XX/XX/XXXX. I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

This specific document requested the following updates ; Personal Updates ; 1.Incorrect Address ; Needs to be ONLY XXXX XXXX XXXX # XXXX XXXX, va XXXX ' XXXX NO others ) 2.Incorrect Name Needs to be ONLY XXXX XXXX ' no middle name or initial. 
3.Incorrect Employer Needs to be ONLY XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( NO others ) Incorrect credit reporting accounts that are reporting as ; 'Name of creditor ' - 'Reporting Account Number XXXX XXXX ' - XXXX ' XXXXXXXX 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  According to the Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. The lack of response has prevented me from obtaining credit within the last 30 days, and I have suffered negative impacts as a result. Enclosed with this complaint is a copy of the original correspondence sent on XX/XX/XXXX. This same packet was sent to all 3 Credit bureaus ( Transunion, XXXX, XXXX ). 

Thank you, XXXX XXXX
Product: Mortgage

PROBLEM : Two Failures to disclose terms and costs for home mortgage of $ XXXX closed on XX/XX/XXXX : 1. From the outset we requested and reiterated our need to pay down the mortgage to achieve lower monthly payments, without penalty. However, CCM failed to disclose their loan terms would deny partial payments which we had to discover on the Closing Disclosure Doc. Morgage company threatened we could not close on time unless I signed that document as is, advising that we could instead probably recast the loan in payments of $ 10K+ for a fee of maybe up to {$600.00} depending on the terms of who they sold our loan to and whomever might repurchase it later. 
2. We requested the loan be held by my Trust rather than me individually. The Company had agreed but instead required me to hold the loan individually. This was not disclosed and only discovered at the closing in the final loan docs. Again, I was forced to accept this adverse, undisclosed change in order to move in on time even though they had confirmed that my trust could hold the mortgage after my attorney attested that my trust provided full power to buy and sell real property as required by their underwriters. 
I advised the Company of these failures and have had no response. Documentation of the above available upon request.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Hard Inquiries Dear CFPB Representative, I am writing to formally dispute XXXX unauthorized hard inquiries on my XXXX credit report under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my consent or permissible purpose, violating the following sections of the FCRA : 15 U.S.C. 1681b ( 2 ) : Permissible purposes for consumer reports 15 U.S.C. 1681q : Obtaining information under false pretenses 15 U.S.C. 1681c-2 : Reporting of unauthorized or fraudulent transactions Below are the disputed hard inquiries : 1. Georgia XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX XXXX. XXXX XXXX  Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX I did not authorize these institutions to access my credit report, nor did I initiate any transactions or applications that would permit them to do so. Under FCRA regulations, entities must have a permissible purpose to access a consumers credit report. Unauthorized inquiries are a direct violation of my rights as a consumer. 

I request that the CFPB investigate these matters and ensure the following actions are taken : 1. Remove the unauthorized hard inquiries from my credit report.

2. Provide documentation verifying the permissible purpose for each inquiry or confirmation of their removal. 

I have included a copy of my XXXX credit report highlighting the disputed inquiries and proof of identity for verification purposes. 

Thank you for addressing this matter promptly. Please notify me of the outcome of your investigation or any additional steps I may need to take. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Wakefield & Associates requesting information they reported on my credit report. It was for " Medical bill '', no company name, in the amount of {$62.00}. They received the certified letter on XX/XX/XXXX. 
They have not provided me proof of ownership of the debt and they have not removed it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found items on my credit report that don't belong. 
the account XXXXXXXX XXXX XXXX XXXX : amount XXXX there are also inquiries that i noticed that do not belong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I also noticed that there is a incorrect address on therewhich is XXXX XXXX XXXX XXXX.
Product: Debt collection

CREDENCE RESOURCE MA keeps trying to pin me to a debt that doesnt belong to me i have been able to successfully dispute this matter with 2 credit bureaus and they keep trying and trying to attach this debt to my credit profile i can not dispute this debt with XXXX no matter how many time i dispute this debt
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX 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 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 XXXX XXXX and list of Inquiries. 


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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Sent notarized debt validation letter on XX/XX/2022, Via Certified Mail That was delivered on XX/XX/2022, at XXXX XXXX  Requesting -The amount the respondent claims is owed -An explanation showing how the amount was computed -Copies of any documents with proof I agreed to pay the alleged amount -The identity of the original creditor -Confirmation that the account has not crossed the statute of limitation ( SOL ) period -Evidence that they are a licensed and registered debt collector -Evidence of license numbers and registered agent Included in the letter was notice it had XXXX days to Respond from receipt date of the notice and if not then account must be deleted completely from report ( s ) ( XXXX, XXXX, XXXX, XXXX ) it is now XX/XX/2022 and they have fallen outside of allotted time frame to Perform per notice and my report ( s ) ( XXXX, XXXX, XXXX, XXXX ) still reflect the negative and damaging reporting. No attempt has been made to correct the errors or provide the requested information, nor request for additional time to do so. 

Note that respondent has also been contacted multiple times via recorded line and asked to resolve this matter, and have stated that no debt was sold to them.
Product: Student loan

I took out a significant amount of student loan debt to attend XXXX XXXX ( XXXX ). One year after starting my XXXX XXXX, I applied for income-based repayment in anticipation of completing ten years in public service to qualify for the PSLF program. I started my payments in XXXX XXXX. I submitted employment certification forms in XXXX XXXX. Only my last two loans for XXXX XXXX qualified. And each of those two loans only had a 14 months and 5 months of my XXXX  payments counting towards the total, whereas it should be 24 months ( since I paid IBR for 24 months during my residency ). Therefore I called FedLoan to check on what was going on. 

I talked to one person this morning, who told me that only the two loans from my last year of XXXX XXXX qualified. He told me that I needed to consolidate my previous loans for them to qualify for PSLF. So he transferred me to a different department, who then told me that once I consolidated, all of my previous five years of payments could not count at all and that the countdown would restart at ten years. 

Needless to say, I was quite irate. I had been told by multiple parties that I should NOT consolidate because it would disqualify me from PSLF and the protections afforded from it. FedLoan took over the majority of my loans when the recession started in XXXX, so I ( wrongly apparently ) assumed that the loans were all under the same roof, so to speak. The entire process of PSLF has been very vague and cumbersome. 

This is not working. And I feel as if I am being screwed over. Any help would be greatly appreciated. Thank you.
Product: Debt collection

I have had my identity taken and have been fraud with XXXX. XXXX XX/XX/year> Incident Description Serval I phones and Serval I watches purchases under my name and account. Deposit were made in cash and debit card that was not in my name. I only have one phone XXXX and it's only myself and was not aware of purchases till unable to sign in to XXXX account and account was moved to XXXX account and person made own account under me. Also when my phone got turned off because it was under different XXXX account. I'm not in that area and never purchase store and actually was in XXXX at XXXX XXXX seeing a doctor. I thought that XXXX cleared this as I reported and showed proof and over a year now they put {$5500.00} XXXX on all my credit reports with a Collection company and they want me to pay for something I have never purchase or own don't even know by people that I would get iPhones for don't even know how to use iPhone I am one person I can't afford that much in phones I have XXXX XXXX that's XXXX XXXX XXXX and I don't understand why I have to pay for something that's not even mine and they basically took over my account and turned into XXXX without my permission and took my phone number and everything and now it's on my credit and hurting me. This account is under XXXX XXXX The collection company is XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account number # 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 ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, 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, credit repair services, or other personal consumer reports

I am having a problem with Equifax. Equifax is reporting inaccurate information that is negatively hurting my credit file. The following inaccurate information is hurting my credit score. XXXX. Lack of sufficient credit history on bankcard or credit card accounts ( However my oldest account dates back XXXX  years, XXXX months ) XXXX. You have either very few loans or too many loans with recent delinquencies ( However all of my credit cards are paid as agreed, the balances are XXXX and I do not have any delinquencies ) I have contacted Equifax to please correct this inacurate information to reflect the true status of my credit file. Complaint Claim # XXXX on XX/XX/2022. 

I have attached supporting documents. 

Thank you.