23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear CFPB my grandson figured out my cell phone 's password and while playing video games proceeded to make XXXX charges with XXXX XXXX, and XXXX via XXXX in the amount of {$1800.00}. The charges were incurred from XX/XX/XXXX through XXXX/XXXX/XXXX. I did not authorize these charges and did not have knowledge that my credit card was being charged, until I received a statement from the credit card company on XX/XX/XXXX. I consider these charges as unauthorized, no different from fraud. When I received my statement, I contacted the credit card company and informed then of the unauthorized charges and asked to cancel the card. I also asked how this matter could be resolved and they told me to contact the vendor. I contacted XXXX, they asked me to file a complaint. After a few days, I was notified by XXXX stating that they would not credit or reverse the charges to contact my credit card company ( CitiBank ). While filing these complaints with XXXX and CitiBank ; XXXX notified us that an additional XXXX charges were made between XX/XX/XXXX through XX/XX/XXXX in the amount of {$2000.00}. I took the necessary steps to remove access to the device, but the damage was done. I was never notified that these charges were being accrued to my credit card. I have not paid these bills, and CitiBank has threatened me with credit reporting. I would like the CFPB participation in resolving this dispute if possible. I think that I should have been alerted of these charges the first day which they occurred and can not be responsible for unauthorized use of my credit credit card information. I can't possibly be the only consumer to have experienced this type of unauthorized charges. I look forward to your response. Regards, XXXX XXXX, XXXX, ( XXXX ) XXXX.
Product: Student loan

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. On XX/XX/2022, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the XXXX XXXX to XXXX. The class action lawsuit : Sweet v. Cardona, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX of Va XXXX XXXX XXXX proves without a doubt that we have absolutely and massively scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans XXXX in addition to the federal student loans. Loan balances through companies such as XXXX, XXXX, XXXX XXXX and loan companies used for consolidation purposes should all be cancelled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXX v. XXXX case XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX XXXXXXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I transferred {$730.00} to robinhood and after a couple of days they decided to randomly reverse these funds. They keep saying the transfer was done and completed by the XXXX. I keep trying to contact customer support and they keep telling me to verify with the bank despite me telling them I have verified and the bank has no record what so ever of the transaction. Customer support is a bot and refuses to get me in contact with a real live agent to help me. I have let the support chat run for more than a day straight and never gotten a live agent. Robinhood is making me feel not secure about my money and it fails to provide safety of depositing funds hassle free with security. It has been a week later and I have heard nothing about my {$730.00} ever being returned.
Product: Mortgage

I received a letter from Guild Mortgage saying my loan was in default due to missing HOA payments. I spoke with the attorney from the HOA and am working on a payment arrangment. I was told by the mortgage company to contact them within 10 days. I have called and left over 30 messages with no response. My home shows on XXXX as being in pre foreclosure.
Product: Bank account or service

hello, I was charged an overdraft fee in the amount of {$35.00} for a {$1.00} check I wrote to NJ-EZ pass check # XXXX on XXXX/XXXX/15! I had an ending balance of about $ XXXX {$110.00} in the account, and there was a check I wrote for {$600.00} which was mistakenly deposited a day before it should have been, so that caused the account to overdraw by about {$490.00} or so. Well Fargo will say the checks are presented as they come in at the end of the day, and they will lie and say the check for the XXXX dollars came first causing the account to overdraw! 
they do their calculations at the end of business each day, and items are pending allowing you to make a deposit, so I clearly do not know how they can say they pay the items in the order they come in. 
They do this all the item seeking to charge as much as they can in overdraft fees,. 
While I am greatful they honor my checks ( they should, I have been banking with them for over 8 years, and they have been getting tremendous amount of fees from me in the last year or two ). When I am in the wrong, I do not argue with them for the fees to be returned, but in several cases, such as this, I will. 
Again, {$35.00} for a {$1.00} check???? that is criminal!! 
Why are things like this allowed to happen over and over??? 
why are these banks not presented with stricter regulations on such things as this? 
I am not letting them get away with this XXXX, and need your help. 
I am not rich, support my XXXX mother, and pay over {$300.00} a week XXXX to come to my home, which makes money very tight for me. 
I am sick of this, and want something done about the criminality of Wells Fargo for thinking they can do such things! 
Thank you for your help, pls go after them to the fullest extent
Product: Mortgage

Overview. 

Back in XX/XX/2019, we fell behind on the mortgage payments with Chase ( 3 month ). 

I used Chase ( forbearance program ) and Veteran Service to stop the sale.

The Veteran paid 2 months and We used partial payments to try to get the mortgage current. 

Current situation Chase claims we are in default again for 2 payments ( XXXX and XXXX ). 

We spoke to Chase about this issue, Dual Problem ... .. the form for the forbearance program was not received by the required date. It was mailed rather faxed. 
SO ... ... ... ... .. according to chase, they need a partial payment to release the fund they misapplied to escrow from XXXX to XXXX. Meaning the XXXX payment would be made, but XXXX would still be due ( roughly {$3000.00} TOTAL ). 

We have made full payments, plus partials from XXXX to now. Chase only credited them twice a month or when the escrow second amount equaled the second full payment. 

Essentially, we are back in the same situation that occurred in XXXX, Meaning from Chase 's perspective ... ... ... ... ... ... .Re apply for forbearance or pay double payments this month ( i.e. XXXX now ). Third option Chase offered involved using unapplied funds in escrow in conjunction with our funds to first bring it current. ( pay XXXX XXXX Then due the partial payment to pay for XXXX. This leads back to the same situation that we have already experienced.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00}
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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights XXXX 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.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either. 

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that! was in fact a victim of this data breach
Product: Credit reporting or other personal consumer reports

Having this late payment on my account is unacceptable, considering my track record of timely payments. Please remove it and update my account accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you so much for taking the time to read this complaint I have a dispute with Transunion reporting incorrect data on my credit report as well as XXXX XXXX XXXXeporting incorrect data as well. 

I have reached out to XXXX XXXX and they have failed to provide proper documentation for this dispute they have not validated this debt. 

XXXX XXXX have not provided a contract validating this debt. 

Transunion is showing no account history. 

There is alot of major discrepncies with this account. 

They keep reporting late payments when the account is charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Debt collection

I started using XXXX to receive medical attention from XX/XX/2021 in XXXX XXXX hospital because I am XXXX. 
XXXX I was told is supposed to last for XXXX XXXX. 
I went for an appointment on the XXXX of XXXX unknown to me that the XXXX was no more valid but I was told there that it has expired, I decided to go back home without encoring any medical bill to myself because I don't have a regular job yet. They assured me they will attend to me that day without letting me know I will be expected to pay out of pocket the money that I don't have. 
Only to get this bill which I have been running around to sort out with them since then but it's been an additional way of increasing my XXXX XXXX since then because I am not getting any positive result on it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting non mailable addresses. I am now opting out of quifax reporting any addresses other than my current address.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  Bankruptcy 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 Bankruptcy XXXXXXXX XXXX XXXX  Bankruptcy XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , INC ) due to inadequate customer service and unfair practices, Which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take time and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more their despute resolution process was unfair and deceptive, as they did not comply with their error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress and reconciliation of my loss
Product: Credit reporting or other personal consumer reports

I was made aware of a fraudulent account on my credit report when trying to apply for a loan this is been over a year ago I notified the creditor was told they couldnt do anything about it it was bad not fraud I have disputed it numerous times I have included a FTC report a police report and verification that I did not live at the address to which this credit card we sent XXXX XXXX has refused to take it off my report the amount is {$310.00} that is the past due amount they have closed the account XXXX times every time it shows up on my credit report as a new closed account they have on numerous credit checks which also shows up as a hard check affects my credit theyve Not being cooperative at all not helpful at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have asked for a debt validation multiple times and have never received verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint involves a consumer reporting agency ( CRA ) not following the guidelines for responding to a dispute set forth by the Fair Credit Reporting Act ( FCRA ). I have written to them three times about ( REMOVING ) a bankruptcy that is on my credit report. All three notices from ( Equifax Information Services ( XX/XX/20 ), XXXX  ( XX/XX/20 ), XXXX XXXX XXXX ( XX/XX/20 ) agencies wrote back saying it has been confirmed by a third party ( XXXX ). This, in itself, is in violation of the FCRA. Information is to be verified in person by a person working for the CRA 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX #, has violate 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. It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have owned my home for 12 years and am facing a sale date on   XX/XX/XXXX   because my mortgage lender  Wells Fargo  refuses to open a review of my current financial situation. They claim that since they worked with me in  XX/XX/XXXX  and offered a loan modification that I am never allowed to have any type of assistance again. I do not believe that this is how the system works and feel that they are blocking access to programs that could help me save my home. I have been working full time as a   XXXX   XXXX   XXXX   for the last 5 years, and have taken on a second part time job at a   XXXX   XXXX   in order to help make ends meet and have the ability to afford a fair mortgage payment. My issue, and the reason for my complaint, is t hat Wells Fargo will not even give me a chance or  come to the table.   This is very frustrating, especially when I KNOW that I am in a position to fix this problem  if Wells Fargo  would give me the chance.  <P/> In  XX/XX/XXXX , during the recession I was laid off after 18 years. I applied for, and was eventually granted a loan modification. I continued to struggle as I was sporadically employed or underemployed during that time. I was able to get help from my father as well as collect unemployment and somehow managed to hold it together. However, the payment was still too high relative to my income and I tried to let the agents at  Wells Fargo know th is back in  XX/XX/XXXX . I tried repeatedly to engage with them as I ended up falling behind on the loan and get a new review opened but was told that since I had received help back in  XX/XX/XXXX  that I was never eligible for help again. I am not sure that is how the program works -- as I understand i t Wells Fargo r eceived ove r 30 billion d ollars in bailout funds from the government that was funded by taxpayers. I believe that there are multiple government as well as internal programs that are supposed to be made available to help struggling homeowners, and all I am asking for is a chance to be considered. This loan was an adjustable subprime loan with a starting interest rate of 8.09 % that could adjust as high as 15 %.  Wells Fargo ( and the companies that owned the loan before you ) collected a large  amount of interest on this loan before the modification in   XX/XX/XXXX   and I am just asking for some consideration and asking that they follow the established federal guidelines and the rules of the state of North Carolina.  <P/> I am working as a   XXXX   XXXX   XXXX   and have been steadily employed for the last 5 years. In order to help make ends meet I have been working part time at   a   XXXX   XXXX   as well. I CAN afford a fair and reasonable payment and I want the chance to fix this problem. I have owned my home for 12 years and if they were to conduct a review and restructure or modify my loan to address the late payments and current rate and payment to something that is affordable based on my income every side would come out a winner. I feel that I am running into a brick wall and could use some assistance in this matter