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

Purchased merchandise from XXXX XXXX using Discover Card XX/XX/XXXX. XXXX records indicate delivery on XX/XX/XXXX. Merchandise was NEVER received. 
According to FCBA, I should not be charged for merchandise I did not receive. 
If XXXX did deliver the merchandise, then it must have been stolen, because I NEVER took possession of merchandise.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent a notice to Experian, XXXX, and XXXX about opting me out of the reporting of the following nonpublic information. The accounts goes as follows ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ]. I am submitting this complaint because I have not received a response nor has the accounts been removed from my reports.
Product: Debt collection

I subscribed to a newspaper, the XXXX XXXX. The newspaper failed to deliver the paper and went weeks without actually delivering it. I actually thought my subscription had expired until I saw I was charged again for a renewal. I called my credit card company to try and cancel future charges and they suggested I dispute the charge form the last renewal which I agreed to. They disputed the charge for me and credited me the money back. The newspaper then sent the charge to collections. 

After receiving the initial debt collection letter I wrote a response to the debt collection company informing them that the debt was not mine and they should not contact me again. They failed to heed my request and have continued to send me collection letters. 

The company is A.R.M solutions, XXXX XXXX  XXXX XXXX CA, XXXX, ( XXXX ) XXXX. My account number with them is : XXXX.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair Credit reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information transunion. please delte the following accounts. 
{$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

HSBC REFUSED TO ACKNOWLEDGE COURT DOCUMENTS RULING IN MY FAVOR & SUPPORTING MY REQUEST TO KEEP A BILLING DISPUTE CREDITED TO MY ACCOUNT. INSTEAD, HSBC PROCEEDED TO GIVE THE MONEY TO THE DEFENDANT, FORCING ME TO PAY A COURT OFFICER TO TRY TO GET THE $ $ BACK. 

This complaint relates to a previous complaint # XXXX that I filed against HSBC. This new complaint is based on the same documented facts as the previous complaint but with the addition of some new documents. See the attached 7-page document : Page 1 of the attached document shows an email from HSBC on XX/XX/19 confirming that a charge of {$600.00} from XXXX XXXX XXXX was put in dispute or temporarily credited to my account, pending further investigation. 
Page 2 is the email that I sent to HSBC on XX/XX/19 immediately following a phone conversation w/XXXX  in HSBC Dispute Dept. who made note of my conversation stating that I had won my court case & to pls keep the {$600.00} credited to my account. XXXX instructed me to immediately send the email with the Court Document. 
Page 3 - The Court Document containing my name ( I go by XXXX XXXX ), XXXX XXXX XXXX, Docket #, Judge & date stamped XX/XX/19 showing that I won my court case against XXXX XXXX ( " that judgment is entered in favor of the Plaintiff '' ) and therefore to pls maintain that credit to my account of {$600.00}. THIS IS THE DOCUMENT I RECEIVED FROM COURT. But did HSBC even acknowledge the document? NO!!! Because. 
Page 4 is the XX/XX/19 email I received from HSBC stating the we have determined that we do not have sufficient documentation/information and are unable to pursue this matter further. We have placed this charge back on your account. (!?!?! ) Page 5 is another email from HSBC stating that ( because they had ignored all my documents & released the money back to the vendor ) XXXX XXXX took their money in person so theres nothing HSBC can do & they consider this matter resolved. (!!!???!!! ) Page 6 To top things off, HSBCs VP of Customer Relations - XXXX XXXX sends her own email with the ludicrous statement : I understand this matter was taken to court and the Judge ruled in your favor. However, we have not received sufficient documentation confirming the ruling SO AGAIN, HSBC DOES NOT CONSIDER THE COURT DOCUMENT I SENT THEM TO BE SUFFICIENT!!! 

Page 7 Shows the additional {$50.00} ( {$43.00} + {$6.00} ) I had to pay for a Writ of Execution and a court officer to try to get the {$600.00} back from XXXX XXXX. 

IN CONCLUSION : IT IS TOTALLY HSBCS FAULT THAT IVE HAD TO PAY AN ADDITIONAL {$50.00} TO GET THE MONEY BACK. IF HSBC HAD DONE THEIR JOB TO BEGIN WITH, TREATED ME THEIR CLIENT FAIRLY, & ACKNOWLEDGED THE COURT DOCUMENT & THE COMMON SENSE REQUEST TO KEEP THE CHARGE CREDITED TO ME, EVERYTHING WOULD HAVE BEEN RESOLVED. 

BUT NOW I AM DEMANDING THAT HSBC CREDIT ME THAT {$50.00} IMMEDIATELY. 
AND IF I GET ANY MORE GUF FROM HSBC ABOUT THIS, THEN ILL SERIOUSLY CONSIDER TAKING HSBC TO COURT. BECAUSE IF A MAJOR U.S. BANK REFUSES TO ACCEPT U.S. COURT DOCUMENTS, THEN THATS A SERIOUS PROBLEM FOR OUR COUNTRY, NOT JUST ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX, I took out vehicle loan through my employer based credit union. 

2 ) While the loan and credit history was impeccable. As result of post-divorce asset division dispute. [ Not having any relationship to my XXXX fico or credit union personal loan ] However during a XXXX filing. XXXX, was the ONLY creditor who filed to reaffirm my auto loan. Adding undue addl attorneys fees, and hassles to already complicated stressful situation. 

3 ) My bankruptcy attorney advised at that time under federal bankruptcy laws, that is was unlawful for lenders to report and/or use any bankruptcy filing against the consumer filing the claim. 

4 ) Yet, XXXX has continuously breached the bankruptcy rules and waived my my privacy and disclose rights. For the purpose of this complaint. Please find Equifax online credit file reports where XXXX XXXX XXXX XXXX XXXX, are still violating Federal Bankruptcy Rules by reporting a paid in full good standing auto loan as closed. The implication being derogatory against the creditors worthiness. Bottom line, any Federal Institution should know Federal Bankruptcy Reporting guidelines. Its unlawful to report creditors loans or accounts. XXXX is breaching the federal rules and waiving the creditors legal rights. 

5 ) Formal Written Demand Request to immediately without further delay remove any/all XXXX credit b. reporting having to do with my name or account. What are the consequences for the Federal Credit Unions who breach the law and ignore federal complaints?
Product: Credit reporting or other personal consumer reports

Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) and 15 U.S. Code 1681i ( C ) - Immediate Deletion Request Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ) and 15 U.S. Code 1681i ( C ). It has come to my attention that previously deleted information has been reinserted into my credit report without the required notification within the legally mandated time frame.

As per FCRA Section 611 ( a ) ( 5 ) ( B ) and 15 U.S. Code 1681i ( C ), you were obligated to notify me within five business days of the reinsertion of this information. Your failure to do so is a clear violation of federal law.

Account Name : XXXX XXXX
Product: Student loan

On XX/XX/2022 I requested a refund from Edfinancial Services on payments I had made during the student loan pause as is permitted by the CARES act. The request was for a total of {$2300.00}. 

3 weeks later I've received no confirmation notice that my request is being processed, and they are unwilling to give any timeline for when to expect the refund other than than the US Department of Education is in charge of " the program ''. People I know who requested refunds through Edfinancial at a later date have already received their refunds, and other financial institutions such as XXXX and XXXX XXXX at least provide time estimates for their borrowers. I can call them for confirmation that my request was submitted, but nothing else. 

The fact that Edfinancial is unwilling to provide an estimate for when to expect the refund to be processed, instead blaming the Department of Education when other borrowers have already had their refunds processed and other financial institutions are providing their borrowers estimates, and the fact that they are unable to provide me a confirmation email or receipt outside of calling them directly for any updates is why I am complaining. All of this on top of the recent data breach they were a part of has me concerned with their handling of this situation in my best interests. 

I understand that there is probably an influx of refund requests with the recent student loan forgiveness program announced by the Biden-Harris administration , but its concerning to me that they are unwilling to provide wait estimates or even a confirmation email when borrowers at other financial institutions are seeing their refunds reflected in their loan balance in 36-72 hours.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent.

I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt or credit management

I sent a letter to a company on my credit report called Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, the letter was returned, and I contacted the number ( XXXX ) XXXX they stated that they are called XXXX I signed this contract in XXXX and they have all incorrect information about how much I owe and the dates, I have spoke with them and they can not help me they are a debt company that bought my personal information. I need this removed of my credit I want to buy a home for my children and I. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I disputed a ch XXXX  bankruotcy on my credit file wanting the information in the report to be reportrd accurately and be verified. XXXX had 30 days to do so upon request in the dispute XXXX   removed the public record because they could not verify the accuracy of the information. As ofXX/XX/XXXX there weas no record of the bankruptcy on my credit file. As ofXX/XX/XXXX the information has / reinserted/reappeared on my XXXX credit report stating Lexis Nexis is the furnisher of the public record 3rd party vendor of the public record and not the court. I called XXXX   XX/XX/XXXX to dispute this matter of the reinsertion I spoke with XXXX but he told me there is nothing he could do. Also it says on the report the date reorted for the bankruptcy was XX/XX/XXXX was that the date the inquiry was added or discharge? Again inaccuracies I have a report of XX/XX/XXXX that does not include the bankruptcy on the record and the discharge date for the bankruptcy was XX/XX/XXXX.I never recieved Certification Of Accuracy with a 5 day notice telling me about the reinsertion. Adding XXXX did not verify the public record with the court or court reporters because the court does not verify or furnish information to the credit bureau. Public record sources must also include individuals name, address, full social security number, and date of birthto improve accuracy by the standards of the National Consumer Assistance Plan. I am requesting this information be deleted for finial resolution
Product: Checking or savings account

XX/XX/2019 {$20.00} declined on Sunday I was at work and tried to pay for dinner my check was declined by " Certegy '' no reason. Called the bank the next day, my account was OK no reason the decline. Called Certegy was told no real reason for decline. Was told I wrote a check the night before and the banks wouldn't have time to verify if I wrote another check????? Who is this company and where does it gives the right to decline a check if there is money in the bank?? Then when you call, they want ALL your info. driver 's lic. bank account numbers. who are they and what are they going to do with it???
Product: Credit reporting

I 'm having difficulties with ( free ) access to my credit report through the credit agencies. It appears that because I have requested a credit freeze the agencies have prohibited online access to my report and require me to submit a request by sending sensitive document copies through the mail. This article describes the problem I 'm having in more detail : XXXX I realize that it is not in the agencies ' business interest to make it easier for consumers to get free reports, but the barriers they have established are eroding the consumer rights granted by the Fair Credit Reporting Act and I think it is time to make a correction. 

Authentication could happen one time via the XXXX website and then allow the consumer to create credentials for future authentication. This would eliminate agencies using incorrect information for the authentication challenges and using credit freezes or data entry errors as an excuse for denying online report access. 

Thanks for your attention to this important matter.
Product: Debt collection

XX/XX/2020 was issued a letter stating debt was paid in full. Then on XX/XX/2020 recieved a letter stating I owe XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

have asked the credit bureaus to do a investigation of credit report and stated everything was accurate. I did a thorough research myself and found improper accuracies on my credit report. Even after they did a thorough research. 

Last reported is not accurate Last active is not accurate Last payment is not accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 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 transfered XXXX from binance chain wallet ( binance smart chain network ) to binance.us ( XXXX XXXX ). I tried every other option to send and XXXX was the only way it would let me send. I have confirmed that XXXX was the incorrect way to send, but that binance.us will be able to recover the funds since it was still sent to my address, I am happy to pay any fees associated with recovery. 

Date sent - XX/XX/2021, XXXX MST Amount - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FIN SVCS LLC I am writing to dispute the following information that DISCOVER FIN SVCS LLC supplied to XXXX, XXXX and XXXX This item DISCOVER FIN SVCS LLC is inaccurate because I never requested to open a credit card with them nor ever had their credit card. I am requesting that DISCOVER FIN SVCS LLC have the item removed. 

Sincerely, XXXX XXXX
Product: Mortgage

Good day, briefly ; I experienced financial difficulty complicated by my father 's illness and eventual death in XX/XX/2015 causing me to fall behind on my mortgage. In XX/XX/2015 I went to make a payment and they refused to except it. I requested a loan modification and was denied due to the incompetence of my home preservation specialist. I requested and was granted a new representative who helped with my appeal. My appeal was denied. I sought help from a HUD approved agency as well as consultation from the DOJ and made a verbal agreement with my home preservation specialist ( contact at the mortgage company ) to make double payments until such time as a formal payment arrangement could be made. My first double payment was made XX/XX/XXXX, it was returned in a check a month later just as I was about to make my second payment with a letter stating I was in active foreclosure. A phone call to the DOJ concluded I was not in active foreclosure so I returned to seek help from the HUD approved agency. Several attempts have been made to give the mortgage company a lump payment, approximately half the amount past due with intent to catch-up making multiple payments yet they refuse to accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a company called Midwest Recovery Sys that is reporting information on my credit report indicating that I owe {$1100.00} to a company called XXXX XXXX XXXX. I have never heard of either of these companies. I have disputed it with both XXXX and XXXX, but I believe these companies need to be investigated for reporting invalid information on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a Federal Trade Commission Identity Theft Report, identification documentation and a partial XXXX credit report showing they deleted the XXXX credit inquiry which is still listed on my XXXX credit report. The following accounts and credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX, XXXX, {$370.00}, XXXX XXXX XXXX XXXX, XXXX, {$3700.00}, XXXX XXXX Bank, XXXX, {$570.00}, XXXX XXXX Bank, XXXX {$570.00}, XXXX XXXX Bank, XXXX, {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX and XXXX, XX/XX/XXXX. The accounts and credit inquiries are all fraudulent, unauthorized and not mine. I have sent Experian and XXXX the Federal Trade Commission Identity Theft Report along with a police report case number, but Experian and XXXX continues to keep to put and keep the fraudulent accounts on my credit report. The XXXX  XXXX account has been deleted and removed from my Experian and XXXX report twice, by Experian XXXX XXXX, but the XXXX  XXXX account is back on my Experian and XXXX credit report. I sent Experian and XXXX all kinds of documentation proving I am a victim of identity theft, but Experian and XXXX continues to put fraudulent accounts and the same fraudulent accounts, Experian and XXXX has deleted previously on my credit report. This is very frustrating. The CFPB, U.S. Congress and the U.S. Department of Justice need to investigate Experian, XXXX and XXXX XXXX for violating the Fair Credit Reporting Act under Federal law. The U.S. government needs to take over the credit bureau industry because Experian, XXXX and XXXX XXXX dont listen to the consumers. They violate the FCRA constantly and do whatever they want to do.
Product: Debt collection

On XX/XX/2019 I moved and closed my account with XXXX. I paid the account in full including their early termination fee. Then 4 months later I get a bill from XXXX ( which I don't have an account with ) saying that I owe an additional {$100.00}. I call the company and ask for documentation showing I owe an additional {$100.00} and they just said it was owed and I have to pay it, I refused to send it. Then since I refused to pay they send it to a collection agency. With a host of illegal scams out here today anyone should be cautious about just paying creditors who don't provide proof of an account with charges. I was already going to cancel the service because of the lack luster products and service as well as their terrible customer service. After this experience I will definitely go on a campaign to inform ALL consumers not to buy ANY of their products!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone impersonating Bank of America called me regarding fraudulent activity on my account and had me transfer over {$2000.00} via XXXX to protect my remaining funds. Person stated funds would be returned to my account the following day. Funds have not been returned. Contacted Bank of America fraud department and they opened a claim. Claim number is XXXX Because this was a scam and not technically fraud, I may not even receive my money back.
Product: Mortgage

Rushmore loan servicing is refusing to work with us during the pandemic. Rufuse forbearance for our hardship. Sent us into foreclosure. Now what?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my MULTIPLE NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for willful noncompliance to FCRA regulations. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Money transfer, virtual currency, or money service

I am filling 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 under the unfair and deceptive, ad they did not comply with error resolution requirements Electronic Fund Transfer Act. ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Student loan

My trust fund of XXXX XXXX XXXX  sent out a {$11000.00} check to ED financial on XX/XX/2024. They cashed that check on XX/XX/2024. ED financial is now claiming they have no idea where the check is and that is lost and we now have to do an investigation into this as they have told me they lost the check. However, they still cashed it! I have provided photographic proof to ED financial of the check that was sent. I am incredibly frustrated and ED financial is being not much help. Please help.