23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had a positive balance in late XXXX that was {$92.00} of my XXXX XXXX check but a lender contacted me saying they could deposit money in my account which they did but my account was closed in early XXXX because it went negative after talking to the CEO of a branch in XXXX, the bank hacked my account and made it go negative after seeing my finances.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017, I initiated a wire transfer with a Bank of America branch in XXXX MA. The amount to be transferred was to be XXXX XXXX Yuan sent from an American checking account in American dollars. It was indicated to use that the exchange rate to be used would be somewhere between XXXX to XXXX yuan for every dollar. This was close to the exchange rate shown online at the time and similar to the exchange available from XXXX. We thought this was fair and conducted the transfer. We expected not much more than {$12000.00} to be withdrawn from the checking account to fund the transfer. Upon receipt of a monthly statement we realized that {$12000.00} was with drawn. Bank of America indicated to us that they used an exchange rate of XXXX. This exchange rate was no where near the published exchange rate online or the exchange rate used by Bank of America. If we had known that Bank of America was going to use this anomalous exchange rate, we would have used another company. We do not know if this is a normal mode of operation for Bank of America, but it seems very inappropriate. I am a XXXX XXXX and I do not know if they regularly give misleading information about the exchange rates that they will use to foreign customers. I went in person to the Bank of America branch where this transaction was conducted and they told us to call the foreign exchange center. I called the center to voice the complaint and they indicated that the money would be refunded. Unfortunately, so far they have only refunded XXXX. The difference between the rate we believed we would be paying and the rate that was used, should mean that Bank of America should refund us at least {$590.00}. We would like for Bank of America to at least credit this additional XXXX. The issue of anomalous exchange rates being charged by Bank of America should also be examined so that this does not happen to other people. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sold an add on for XXXX XXXX in 2010 which the Bank has now informed that they are no longer selling. I have found that CFPB has an article describing my situation of this XXXX XXXX issue being declared an illegal action and has ordered the bank to correct the action of fraud. I have communicated with the bank and they informed they can only stop billing me and can return any of these charges. As described by the bank they were charging me for services that are already billed into my account. I was getting charged twice as a result. If it is required that I provide any documentation I will do so at your request.
Product: Credit reporting or other personal consumer reports

Despite my previous 5 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 5 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Product: Credit reporting or other personal consumer reports

In accordance with FCRA, this creditor has violated my rights under 15 1681 section 604b states that i have a right to privacy. 15 USC 1666b also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purposes.I disputed the inaccurries on the account on XX/XX/year>, XX/XX/year>, XX/XX/year>, and on XX/XX/year> and i haven't got any response from the creditor. This creditor has continuously ignored my requests. I am actively trying to get approved for a mortgage loan. I need this account removed immediately
Product: Debt collection

Company keeps calling from different numbers at all times or the day. Many times before 8. When I answer they do not say anything just hang up in my face. When I dont answer they dont leave a voicemail detailing who they are or what they want, just repeatedly call me. Its Saturday and they just called me at XXXXXXXX XXXX I have no idea what they want and why they are harassing me but it needs to stop. I'm being woken up out my sleep by these people constantly.
Product: Credit card

Capital One close my credit card due to non-payment, after the account was closed I paid the account and all fees at the time. After all fees were paid Capital One continues to charge me interest and fees, I've called to ask for a resolution in Capital One refuses to offer any solution or resolution other than continue to pay them more fees. The fees that Capital One have added are different amounts each time and are not aligned in any of their paperwork that they have provided that I would anticipate.
Product: Debt collection

This company REFUSES to acknowledge that I have paid this debt IN FULL with the original creditor Florida XXXX XXXX. On XX/XX/20 I paid {$260.00} then the company said I owed {$300.00} more ... so on XX/XX/20 I paid {$300.00} to XXXX through their online payment system. I have attached proof of payment and also proof that my account is showing a XXXX balance per XXXX payment system. I have tried to get this removed from my credit report twice and this company doesn't even look at the attached documents and proof and immediately says I still owe the {$300.00} even though it was paid on XX/XX/20. This has been PAID IN FULL and needs to be removed from my credit report as it is causing harm to my financial well being by continuing to show I owe it when I do not.
Product: Debt collection

I received a copy of my credit report and this company are reporting incorrect information to the credit bureaus, a collection that is not mine. 
To whom may concern After all the due diligences I have done, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

PURSUANT 15 U.S. Code 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. YOU AMERIFINANCIAL SOLUTION LLC IS conveying of information regarding a debt indirectly to the credit bureaus XXXX, XXXX, XXXX. I demand you to stop this illegal activity immediately and delete this alleged account from my consumer report. 
Attahched all documents with instructions to AMERIFINANCIAL SOLUTION LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I reached out to XXXX XXXX XXXX to inform them that I've never had an auto loan with them ever in my life. The person whom I spoke to is XXXX XXXX XXXX of their fraud department. She informed me that she would email me over their affidavit and instructed me to obtain a ID Theft Police Report as well. Which I did. I got the affidavit notarized, and I obtained the ID Theft Police Report the same day it was sent to me. She confirmed that she received it and said she would work on having it removed from my 3 bureau Credit Report. 
This fraudulent account is still reporting on my Equifax Credit Report and she has not reached back out to me regarding when she would have it removed. 
Below is the fraudulent account that I would like to have permanently deleted : 1. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX CREDIT XXXX  # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I disputed the accuracy of an account that is called XXXX that was been reported on my credit report as been inaccurate and false. I filed a dispute with all 3 credit bureaus concerning this matter and they came back saying that the matter was been reported accurately and the XXXX account would remain on my credit report. So, I filed a request asking all three credit bureaus for there method of verification used to investigate this matter. This request was filed through the Cfpb portal. I was informed that this request was sent to the credit bureaus on XX/XX/year>. 
The Fair Credit Reporting clear states that the claimant must get the method of verification requested within 15 days of making the request. If the credit bureau is unable to provide that method of verification within 15 days of it been requested then the account been disputed must be deleted from the credit report immediately. A failure to delete the disputed items and a failure to provide a detailed method of verification is a violation of the Fair Credit Reporting Act. I can then file a lawsuit against your company for false reporting and for violating my rights under the Fair Credit Reporting Act. More than 15 days have passed and no method of verification has been sent to me as yet.
Product: Mortgage

Like so many other Americans I was adversely effected by the COVID pandemic. I was making the payments I could and my loan is now due for XX/XX/XXXX when I could no longer keep up the payments. In XXXX of XXXX I sent in documents for a loan modification. My denial letter stated that while I was denied the modification I did qualify for a short sale, deed in lieu or deferral. I accepted the deferral and signed and returned the agreement. On XX/XX/XXXX I spoke to XXXX XXXX who said she was a supervisor and was told I did not qualify for the deferment and to send in a modification package to get reviewed for a deferral. I was told to submit an email request to XXXX. A response was sent via an encrypted email that could not be opened and all requests for a copy to be mailed or emailed were ignored. We then sent another request XX/XX/XXXX which was also ignored. A follow up email requesting status of the first email was sent on XX/XX/XXXX and also never answered. I was served foreclosure papers on XX/XX/XXXX without the deferral or research request being completed. I have attached the agreement sent to me and my signed and returned copy. My father is in XXXX  and this pandemic has been awful. I would like my mortgage deferred as I agreed to. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on 2 separate occasions months apart trying to request my Free Annual Credit report online from Equifax only to be told continually year after year to contact them directly in order to receive my report. This is not the first time this has happen and I'm sure I'm not the only consumer experiencing this same issue. If certain reporting agencies are exempt from providing credit reports online, please note this on the free credit reporting web site so consumers stop wasting their time. I get tired year after year going through the process of filling out all of my personal information online, then submitting it only to be told to contact Credit Agency directly every time. Personally, I feel it is just some scam to make consumers call the credit agencies reps to hear about their latest products or services their selling before getting your credit report.
Product: Credit card

We received an unsolicited BP Visa from Synchrony Bank. We have also received phone calls about this card, including a threat to withhold credit if we did not confirm the card. When my wife called she was put on hold, told that the person named on the credit card had to call ( I 'm in XXXX XXXX just now ; not convenient! ), and cut off. Repeated calls. There appears to be no website where we can get this rectified. Seems like a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account type for the XXXX account reporting to my credit report is listed as open. I'm not sure how that be considering I have never made an agreement to pay this collection agency. I have not signed any contract with XXXX stating that I will pay them. The only thing that should be reporting to my credit report is data that is been validated and this XXXX account has not been validated. XXXX is using deceptive credit practices and that is unacceptable and against the law. I know my rights and according to 15 USC 1692g I am the original creditor and I am the only one who can validate this debt. I do not validate this debt.
Product: Debt collection

I got sued after XXXX XXXX firm purposely tried to have it served at wrong address to get the judgement in their favor than after it was in their favor sent me a copy of the complaint. Never once have I received the original amount of what the loan was where all the interest came from. I have just like others as there is a laundry list of people they have done this too. Than I sent a letter to the court regarding this along with a garnishment statement filled out and shocker under the federal poverty level. Now with ZERO contact from these people they have successfully had my check garnished by sending the garnishment paperwork to the wrong address. The amounts are above the 4 % yearly allowed post judgement interest. The original judgement amount was {$2900.00} somehow now is {$3600.00} plus dollars and I still dont even know how its {$2900.00} cause I have never gotten any paperwork I asked about including original loan paperwork. They know where I work they know where to send letters to my actual address not a prior address just so they can get a garnishment to go through. This law firm if you can even call that keeps to this to so many people and everyone complains files complaints and nothing happens to them and the keep getting away with unlawful collection practices repeatedly
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.

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: Checking or savings account

Three checks issued to the same party were never received by the intended party though the funds were removed from my account. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted Capital One and was transferred to their fraud department in XXXX XXXX. The person had a very difficult time understanding my issue, but did send me a copy of the three canceled checks along with a letter denying my claim as they suggest there was no error. None of the checks are endorsed on the back so I called back and asked them how they could deny my claim when the checks were not endorsed. They informed me over the phone that they did refund the XX/XX/XXXX check to my account though they continue to send me claim denial letters for that date. I find it interesting that they held onto my money from the XX/XX/XXXX check until I called in XXXX and complained. On my fourth or fifth try with the XXXX XXXX team, I mentioned that I would file a complaint with the CFPB if I did not get resolution and they gave me the number for someone in the XXXX. I called on XX/XX/XXXX and spoke with a helpful person who indicated they would send my issue to the " back office '', but could not give me a time frame for resolution. As of today, I have not heard from anyone and do not understand why it is so difficult for them to recognize there is no endorsement on the back of the checks and never should have been cashed. I would like my money back so I can send it to the intended party.
Product: Vehicle loan or lease

On XX/XX/year> I submitted a refinance application to GRAVITY LENDING out of XXXX XXXX. On XX/XX/year> I received an email from GRAVITY LENDING stating that I was approved with XXXX XXXX XXXX XXXX, however the XXXX was requiring a {$950.00} down payment. 

I spoke with XXXX XXXX and began going through the process of the refinancing with these terms, signed paperwork via XXXX and overnighted a power of attorney they requested for XXXX paperwork. 

On XX/XX/year> I got a text message from a XXXX XXXX stating that he worked with XXXX and was sending me some forms they needed. I got the email and it was requesting XXXX point of contacts with their name, phone number and home address. He also requested a payment of {$950.00} and another payment of {$10.00} for the member fee to open the account with XXXX XXXX. 

I replied back to XXXX via text and email the same day, and never heard back. Something triggered me to call XXXX XXXX and speak with their underwriting department about this loan, and I'm very happy that I did. 

On XX/XX/year> I spoke with XXXX, a senior underwriting agent at XXXX XXXX and was advised that the approval I had with them DID NOT require a {$950.00} down payment as GRAVITY LENDING had stated, and he went on to say he was request in writing from them showing what exactly the {$950.00} payment was for, as GRAVITY LENDING states they DO NOT charge any fees. 

I emailed XXXX XXXX, XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX about this on XX/XX/year>. Shortly after the email XXXX XXXX replied with " I apologize for any confusion this may have caused, we would not ask for a down payment if the vehicle was within loan to value ratio guidelines. I'm looking into this and will give you a call once I have this figured out. I assure you we do not have a loan origination or processing fee, if any fees are included they are disclosed to our customers up front. XXXX does not have a lender fee, and we don't either. 

I will give you a call after I follow up with XXXX as well as the underwriter. '' As of this complaint filing, I have NOT heard back from anyone at GRAVITY LENDING. The loan agent I was dealing with has not replied or called back either, as I left her a voicemail this morning at XXXX XXXX XXXX 

I can't help but feel as though I have been lied to, and that GRAVITY LENDING attempted to defraud me out of {$950.00} claiming it was for XXXX XXXX, in which it WAS NOT a requirement from XXXX XXXX at all per their underwriting department.
Product: Debt collection

After seeing my credit file in which I was unaware this debt even was owed I called Transworld Systems and paid it. I am requesting it be removed please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, INDIANA XXXX XXXX XX/XX/year> Dear EXPERIAN, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount owed are longer outstanding for the following items : Party Owed : XXXX XXXX XXXX XXXX {$720.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT, AND I AM REQUESTING THAT IT BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. 

This is my official request to have the aforementioned item to be deleted off my credit report. Enclosed may be additional evidence to support my claim. 

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

I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and XXXX data breaches. I filed a claim with XXXX and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXXXXXX XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX {$2700.00} XXXX XXXX XXXX  XXXX {$120.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting equifax on their myequifax account services. This is a service to get credit reports and to freeze or unfreeze your credit report. I have had trouble accessing my account since XX/XX/XXXX and have called them numerous time using the number XXXX, which was the number that was shown on their website whenever I tried to login. I eventually escalating my situation on XX/XX/XXXX, however I called a few days after to get a status on it and they said it could take up to a year to get it fixed and there was no time limit on when it will be resolved. I have called numerous time and no one seems to be able to help me, they won't allow me to talk to a supervisor and at this point I am going to sue them if nothing is being resolved. This is very important to me and need this fix now. This is basically preventing me from freezing my credit report and unfreezing it. I have been reading online and I am not the only one dealing with this issue many people are and they are also getting frustrated to the point there might be a class action lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.