23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Tried using the cards for gasoline and was denied. tried using the cards for online shopping and failed. I loaded money on these cards and can not even use them anywhere. I am struggling to pay bills and have no access to my own money on these cards. my order did not exceed the amount on the gift card.
Product: Debt collection

An old medical bill from XX/XX/XXXX in the amount of {$480.00} that was supposed to be paid by my childs Medicaid was not paid. Commonwealth Financial is a collection agency and has reported this to my credit as a new account that started/opened in XXXX. I have been disputing this multiple times since last year that these dates are inaccurate and they keep reporting back that it is accurate. I have contacted XXXX and XXXX to fight this but they say they can not change anything if the collection agency is saying it is accurate. When trying to apply for a home loan, they are telling me This is hurting my credit because it appears as a new opened collection account. The loan officer said if I could get it updated to show this is an old account, it will help me. I have documentation of this showing correct dates but nobody is helping me to correct this. The collection agency keeps reporting it as all information being accurate.
Product: Mortgage

I called Freedom Mortgage back XX/XX/2020 and spoke with XXXX XXXX. During this conversation we discussed my financial situation and that I was looking to see if I would qualify for a VA loan. I told him my financial situation and I gave him authorization to pull a hard pull on my credit report so that he could review it and give me pre authorization for an amount on a loan. Right now times are crazy with buying a house and there are multiple offers being put on homes. On several occasions I spoke with Mr. XXXX about my approval making sure everything would be good for the loan. He even went to the extent to send me Closing worksheets so I would know exactly what I would need at closing. My real estate agent even had many conversations with him in regards to the approval. So, I had no change in my job or financial status everything stayed the same. I had to put {$500.00} of due diligence money down with my offer on a house. The contract here in NC reads that it is not contingent upon me getting mortgage approved. Well, I would have never given the money if I knew that there was any chance that the loan wouldn't go through. I was told to go find a house and make an offer so we could move forward. I found a home made an offer gave them my due diligence upon the advice of Mr. XXXX and thought all was good. Then after sending contract to him I get a call saying that I would need {$24000.00} in reserves or a co-borrower. First of all with a VA loan the only co borrower would be my husband which is not employed at this time. They knew that, so {$24000.00} in reserves?? So, I contacted other mortgage companies and in the pre screeening they told me they would advise me to wait another year with good credit for my score to raise and also to fulfill the requirements of the VA loan. During my prescreening I feel that Mr. XXXX didn't properly screen me, so now I am out of my {$500.00}. Even Mr. XXXX has called me and apologized and admitted his wrong doing and that he will now be asking more questions when he pre qualifies anyone. I then spoke with the Branch Manager with Freedom Mortgage here in XXXX NC and he basically told me that my contract I signed was wrong and that the sellers owed me the money. I sent him a copy of the contract and then he just kept saying he would check with his legal department to see if they would pay me the {$500.00} I put out on the professional advice of Mr. XXXX. He has not responded to me and I have filed 2 complaints with Freedom Mortgage Corporate and I have gotten zero response. I think that if your representative is not knowledgeable in VA loans he shouldn't be representing your company and give false advise. Please help me in getting them to accept the full responsibility by paying me the {$500.00} back that I lost.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX Paypal Merchant ID - XXXX It's been over a year since PayPal froze the money in my account. When I added a card for instant transfer, I encountered an error message stating, " Things don't appear to be working right now. Sorry, somethings not right. Please try again later. '' So, I contacted PayPal on XX/XX/XXXX. The representative informed me that I had added a new card ending in XXXX to the account, and due to security measures, I couldn't withdraw funds. They advised me to wait for 72 hours, assuring me that after this period, I would be able to withdraw. 

After the 72 hours elapsed, I attempted to withdraw again, only to encounter the same error. I contacted PayPal once more, and this time, the representative told me that I needed to confirm the pending charges on the card. They initiated a {$1.00} pending charge to my card and requested the code that accompanied this transaction. After confirming the card, I tried to withdraw again, but I still faced the same error message.

The representative explained that due to my recent confirmation of the card, the 
security system was still preventing withdrawals. They advised me to wait another 72 hours. Once again, I waited, but upon trying to withdraw after this period, I encountere

d the same issue. Frustrated, I called PayPal again. This time, the representative suggested trying to withdraw via bank transfer. As I attempted to link my bank account during the call, I received an error message stating, " This account needs a little help to link it. Contact us, and we can help with that, or you can link a different account. '' The repre
sentative instructed me to wait another 72 hours to attempt linking my bank account to PayPal. 

By this point, I was beyond furious. The numerous errors related to the security system were causing immense frustration. Feeling exasperated, I decided to try withdrawing via check by mail. However, when I attempted to do so, the website redirected me to link a bank or card.

I explained the situation to the representative once again, and they advised me to wait another 72 hours before attempting to withdraw via check by mail. At this point, I was at my wit 's end. My last resort seemed to be contacting the Consumer Financial Protection Bureau ( CFPB ) to retrieve my hard-earned money.
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

I have a small flooring/flooring installation business that I run. Recently I took on a new client doing significant remodeling. I received 4 payments from her using her credit card and everything was fine. All payments went through, were entered manually, approved, and accepted and deposited in my account. Then on XX/XX/31 XXXX XXXX I processed two more payments from the client, both were entered manually and both were processed/approved. One was for approximately {$2700.00} and the other {$8300.00}. 
Neither were deposited to my account. I called Chase bank to find out why. They told me that my account to accept credit cards had been closed and that they were " holding '' my {$11000.00}. They said that I could not get it for at least 60 days, possible longer. I appealed to their " executive office. '' After a week they called me and said that my account has been closed and that the {$11000.00} would be held for 60 days minimum to " cover charge backs. '' They also told me that they would not give me a reason and that they do not have to give me a reason. I need to pay my contractors their wages. 4 different families are depending on these funds. I have done NOTHING wrong. Chase bank has been after many requests completely obstinate. I have NEVER had a charge back. I desperately need MY {$11000.00} returned to me. Please help!
Product: Credit reporting

The account is a pay day loan from 6 years ago. I never paid this account late, it was automatically taken from my account. The company refuses to admit the information is not correct however, I have sent Transunion the information from my account which can still be accessed online, I will attach this information. There are two issues with what is being reported, first if XXXX XXXX gave me XXXX pay day loans at the same time, they violated the law. Second, they even report the account was paid and never late, which means they are reporting false information. Yes I was young and dumb getting this payday loan but there is no reason for them to report false information unless they are doing it to hurt credit scores so people like me ca n't get conventional loans. I gave this information to Transunion and they told me that, the reporting company reports the information and they just put in on account, I asked even if I supply documentation showing it was paid and never late, they said yes, it is up to reporting company. Because the reporting company refuses to change and they mailed me something saying their records show I paid late but yet online records show it was paid and never late. So credit bureaus wo n't take evidence from normal consumers but will take information from companies as legitimate even when seeing receipts and documentation disputing what the company claims in the reporting. So consumers are now required to sue the company and credit bureau to get this inaccurate information removed. How is this possible?
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. 
I assume XXXX days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. 

I insist that you cease reporting these accounts as late on my credit report immediately. Failure to comply with this request may result in legal action being taken against your agency. 
This information is injuring my consumer report and I request that you correct this information immediately. The information I am disputing is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

Im writing to file complaint against Navy Federal credit Union requiring multiple draft fees I have incurred. Despite having sufficient funds when the transaction was authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practice, where transaction settled with insufficient balance despite initially available funds. I believe these practices are unfair and requesting investigation until my account transactions.
Product: Debt collection

Erroneous Debts Reported : Paragon Revenue Group {$280.00} Reported XX/XX/2022 Paragon Revenue Group {$960.00} Reported XX/XX/2022 Paragon Revenue Group {$670.00} Reported XX/XX/2022 Paragon Revenue Group {$600.00} Reported XX/XX/2022 Paragon Revenue Group {$640.00} Reported XX/XX/2022 Paragon Revenue Group {$920.00} Reported XX/XX/2022 XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX after being transferred 7 times and being on the phone two days straight I still have no resolution. No one over the phone seems to understand my question. I can not seem to get assistance on my account and I am requesting information on a settlement and a goodwill credit report update due to Conns home plus recently reporting me 30 days past due. Your agents keep transferring and repeating the same things and not even understanding my questions. This is extremely frustrating knowing the medical hardships I am going through now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX  Original creditor XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX BY XXXX XXXX XXXX : {$120.00} Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I have gathered the following information from my Equifax, XXXX, and XXXX credit 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. 

( 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 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 XXXXXXXX ) ... all have violated my rights as listed below.

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 card or prepaid card

Capital One is showing on all three Credit Reporting Agencies I owe them {$300.00}. I owe Capital One Nothing. 

The credit card was paid in full on XX/XX/XXXX 2017. Capital One has been charging Bogus and Fraudulent charges every month to come to the the amount of {$300.00}. My account with them should show paid in full with no balance owed. 

Capital One is messing up my credit and bringing my credit score down. I want you to get them to take this off my Credit Report at all Credit Reporting Agencies. 

Waiting for your reply. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently checked my XXXX score and it seems that WELLS FARGO has placed a derogatory mark on my score. The WELLS FARGO student loan division does not even exist anymore. They have never corrected the error in my credit report, and this is negatively impacting it in a huge way. 

I have received a 1098E in the XXXX tax year and the loan was disbursed/forgiven. WELLS FARGO however has claimed this as a 1099C, and I also had to pay the IRS for the forgiven amount for the claimed 1099C as income. 

I am very unhappy at this point and demand WELLS FARGO take this derogatoryremark away from my credit report as soon a possible. 

To my surprise, I found out that WELLS FARGO STUDENTLOAN HAS BEEN PENALIZED by CONSUMER FINANCE in XXXX and was ordered to pay XXXX to the consumer andwas ordered to " CORRECT ERRORS ON CREDIT REPORTS '' The company itself was penalized for fraudulent activityand seems like it keeps doing it by destroying itsprior clients credit reports. I wouldlike this to be removed as soon as possible.
Product: Credit card

Capital one credit card company is denying me credit after I filed bankruptcy and it was discharged and they are stating they will never issue me a card again because I filed bankruptcy when I called them and I asked for that letter and they refused to send it to me
Product: Credit reporting or other personal consumer reports

Looking over my documents I notice that I do not have a copy of the contract that I have with Experian or the debt collections that is on credit profile. Under the FCRA it is the Responsibility of Experian to ensure that they proper documentation from me stating that I gave the some form of permission or to show proof of some contract to report these accounts on my credit profile.. May they provide copy of the written documents or some form of agreement to where I gave them permission to report these account on my credit profile. XXXX XXXX XXXX account number XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX,
Product: Money transfer, virtual currency, or money service

We ( XXXX XXXX XXXX XXXX, PA ) emailed our customer in XXXX ( XXXX XXXX XXXX ) an invoice for professional services rendered. The customer responded to the email asking if we would accept a wire transfer for fees invoiced. We responded and said we would and never received any request for the wire information. Later we discovered that the email was hacked and the hacker sent an email to the customer with account information that was not ours but very similar. The customer wired the money from their bank ( XXXX XXXX XXXX ) to the account listed in the hacked email. The bank ( Sun Trust Bank ) that received the wire stated that the account that received it is now closed. The funds did not go to the intended recipient.
Product: Credit reporting or other personal consumer reports

Experian has unlawfully reinserted previously deleted accounts onto my credit report without providing the required notification under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). These accounts were previously removed as unverifiable, yet they have been added back without any notice, explanation, or supporting proof, violating my rights under the Fair Credit Reporting Act. Furthermore, per 15 U.S.C. 1681i ( a ) ( 1 ), Experian is required to conduct a reasonable investigation within 30 days of a dispute, yet multiple disputes have been ignored without a valid response, violating 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ). Additionally, neither XXXX nor XXXX has reinserted these accounts, confirming that Experian has failed to follow proper reinvestigation procedures. I demand the immediate and permanent removal of these accountsXXXX XXXXXXXX ( Account # XXXX ), XXXX ( Account # XXXX ), and XXXX XXXX  ( Account # XXXX ) along with written confirmation of their deletion and assurance they will not be reinserted unless proper legal procedures are followed. Given Experians history of similar violations and the ongoing CFPB lawsuit, I will seek punitive damages for continued non-compliance. Failure to comply will result in me pursuing {$1000.00} per violation found on my consumer report.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXXXXXX XXXX Balance Owed : {$57000.00} XXXX XXXXXXXX XXXX Balace Owed : {$11000.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance : {$79000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balace Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$80000.00} XXXX XXXXXXXX XXXX Balance Owed : {$970.00} XXXX XXXXXXXX XXXX Balance Owed : {$57000.00} XXXX XXXX XXXX XXXX Balance Owed : {$13000.00}
Product: Student loan

Fed Loan Servicing coerced and deceived me into entering an unidentified program to make monthly {$5.00} payments toward student loan accounts, without disclosing that they were a debt collector. 

The company at no point in time ever identified itself as a debt collector. Consequently, I was never aware that I was dealing with a debt collector. 

In fact, I believed this company was a federal agency. Much to my surprise, the student loan accounts, dating as far back as 1989, are being reported as open on my credit profile at the national Credit Reporting Agencies ( CRAs ). 

Fed Loan Servicing has violated federal law by using deceptive and misleading tactics, not identifying themselves as a debt collector, in an effort to collect on more than 30 year old student loan accounts by reporting them to the CRAs.
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 XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number:XXXX has violated my rights . Or a 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.