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

I have urgent transaction and picked 2 day service after paying a premium of XXXX per $ transfered for XXXX XXXX  XXXX XXXX 2 transfers Called several times yesterday and today, they are ignorant, lying that the fault is with receipient bank, called reciepient bank and they confirmed that the issue is not their fault. 
They have not only stollen my premium but I have incurred call costs over {$50.00} international and local, over 5hrs, my dad is sick due to high pressure due to this issue, myself, brother, mother XXXX XXXX, I also had XXXX XXXX  today due to XXXX. 
This money was meant as a time sensitive payment for a divorce settlement to prevent eviction and home sale, please check in with me the actual amount of the damage before the claim is finally closed after the investigation Checking ID for 3 days, the id is already there with them from before its not even the first time that I made a payment to my brother this month and they have already, fraud checking for my brother, 5 Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent location hours, differences in time zones, or selection of delayed options. For mobile transactions funds will be paid to receivers XXXX account provider for credit to account tied to receivers mobile number. Additional third-party charges may apply, including SMS and account over-limit and cash-out fees. See the transfer form for restrictions. They are trying to hide behind this clause but there were no regulartory issues related to ID and fraud, they already had my brother 's id from a prior transaction which they can link to this transaction because this is 2024 and there is no fraud its my brother they dont need 5 days for this
Product: Debt collection

I called to resolve the acount and they where extremely negtive ... They kept giving me deadlines and tell me that they would note the account as a refusal to pay. I did end up paying the account. But I would have appreciated a little more courtesy and friendly tone.
Product: Mortgage

On XX/XX/XXXX a rep from the insurance division of Wells Fargo contacted the flood division of XXXX to see if they had received the check that was sent to them in XXXX. XXXX ( Wells Fargo Rep, Ins. Division ) stated that the check has not cleared and wanted to know if the renewal had been issued. XXXX indicated that it had not since they had not received payment. XXXX then gave them an overnight mailing address so that Wells Fargo could mail them the check & so that XXXX would receive the check prior to XX/XX/XXXX which was the final date to receive payment before the policy could no longer be renewed. According to XXXX, billing notice was sent out on XX/XX/XXXX and then the lender updated some information through XXXX XXXX. My premium at the time of billing was {$750.00} for the year but the policy lapsed after 90 days. I had a grandfathered policy which I have had since XXXX, XXXX. Since the policy lapsed, my new premium is now going to be {$2300.00} a year. I DO NOT feel this is an error by me as I made the payments that covered the flood insurance. No one at Wells Fargo followed up on the uncashed check, no one issued a stop payment on the original check or reissued a new check. I would still have my original flood insurance premium had this issue been handled. When I originally got my flood insurance, the premium was five hundred and something. I technically would never catch up to my new premium as they continue to go up. I have no intention of ever selling my home so this error is going to cost someone thousands of dollars. I have no intention of paying more for more flood insurance because of someone elses error. You have always held us accountable for what we owe on our home so Im going to hold you accountable for this error on your behalf.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 I t also states a consumer reporting agency can not furnish an account without my written instructions..
Product: Credit reporting or other personal consumer reports

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

XXXX  XXXX XXXX XXXX XXXX, XXXX  Account XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX  Account- XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 

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

and according to 15 USC 1681eb they are supposed to ensure this 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.

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 more than 7 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, credit repair services, or other personal consumer reports

Inaccurate information is reporting on my credit. Transunion, XXXX and XXXX are reporting different information about the same account According the FCRA and account should report accurate information like payment status, last day of activity. 

I have disputed several times with the credit bureaus the FCRA VIOLATIONS but they do not update ANYTHING
Product: Debt collection

This company added a collection to my equifax on XX/XX/year> I have received NO communication from this company. all i know is it says zebit inc on my credit report and date assigned XX/XX/year>XXXX 

I dont know what a zebit is, and there shouldn't be any account for them in my name, especially with my fraud alert. 


called the company just got the run around, they were just demanding payment, said they didn't need to send a verification letter. 

sounds super fraudulent
Product: Credit card or prepaid card

Syncrony Bank decided to close 3 of my paid off accounts Walmart, Qvc and Value city all of them Ive never been late except For value city 4 years ago while I was on maternity leave. I didnt plan on using them but if I did now I cant. They closed it because my score dropped due to me co-signing on a car for that has a late payment but has been current up u til now.. Well then closing my accounts definitely isnt going to help. I just find it ironic and not fair. They arent helping my situation mind u I have an old navy account with a small balance that they didnt close. I bet if I had balances on the others they wouldnt have closed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 A computer glitch that was TransUnion 's problem - not mines - caused my inquiries to be deleted.However TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them being re-adding, I 've contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added.These inquiries has added a hardship, My rights were violated by TransUnion. I am asking for your help with making TransUnion stop victimizing Me.I Ask for resolution that all of my TransUnion inquiries be deleted permanently from your report as a violation took place when they were illegally added Thank you
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

Detailed timeline is attached. 
Bank of America withdrew {$45000.00} for a credit card payment. 
The transaction was supposed to be {$4500.00}. 
BOA sent a letter stating that {$40000.00} was being refunded to my " bill payer '' My XXXX XXXX  has no history of the {$40000.00} transaction
Product: Debt collection

A company called Wakefield Assoc. keeps calling me from a fax number. I do not know if they are a scam or not and I have told them to stop calling my work number. I have tried to call back at the number the call from but it is a fax machine. This has been ongoing for at least 2 months. They have not sent me anything and when I requested the send me something to show who they are and what they want they refused. They keep calling and hanging up on me and refuse to send me anything by mail. They also refused to accommodate my disabilities for effective communication within the ADA.
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: Credit reporting or other personal consumer reports

My student loan provider reported my payments as a late payment on my report and I never missed a payment. They never send me a latter or contacted me regarding any late payments. 
In Accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b a creditor may not treat a payment on my student loan account under open end consumer credit plan as a late for and purpose.
Product: Credit reporting or other personal consumer reports

I am fillinf this compliant again, to inform you, that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$6100.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX  Balance {$2400.00} XXXX  XXXX XXXX Balance {$6100.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$6100.00} XXXX XXXX XXXX Balance {$590.00} XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX XXXX Balance {$1100.00} XXXX XXXXXXXX Balance {$2400.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt or credit management

Never opened this account my identity was stolen an released I've never had a credit card an they refuse to help
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, my wife and I have discovered several accounts on our credit reports that do not belong to us. Neither of us opened these accounts, indicating that we have been victims of identity theft. In XX/XX/XXXX, we each began disputing these fraudulent accounts with the credit bureaus. Despite our efforts, the accounts remained. On XX/XX/XXXX, we filed an identity theft police report. A few weeks later, we received the report and continued disputing the accounts with the credit bureaus. Unfortunately, despite having the police report, TRANSUNION still refuse to remove the fraudulent accounts. I am now reaching out to the CFPB because I do not understand how TransUnion still refuse to remove these fraudulent accounts. I urgently need these accounts removed from my report as I am not the debtor but a victim of identity theft. I am attaching a partial credit report that includes the account I never opened, along with the FTC Identity Theft Report and police report.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

Hello every since Ive had this account it hasnt been nothing but problems and the debit cards I was unable to use they kept declining and the bank hardly did anything every time I turned around I had unauthorized transactions on my account I had bring it out the negative several times in order to use the account I got so bad I had to remove my XXXX check from them because every month I owed them and over draft fees the only reason I went back because my rent rebate was scheduled to go in and I pull the account out the negative again this time theyve blocked the account without warning and shut down my debit leaving me with no access to my funds they owe me hundreds of dollars thanks for your help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is being reported with inaccurate information on my credit report. FCRA law states that 100 % accuracy must be reported 1.Last Payment 2.Past Due Amount 3.High Balance 4.Account 5.Account Description
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 13 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : Personal information : XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX This personal information is incorrect- please remove this from my credit report immediately. My current address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please see the attached ID in this letter. 

Inquiries : XXXX XXXX XXXXXX/XX/XXXX - this inquiry was not authorized, please remove it from my credit report immediately. 
XXXX XXXX XXXXXXXX, XX/XX/XXXX - this inquiry was not authorized, please remove it from my credit report immediately. 
XXXX, XX/XX/XXXX - this inquiry was not authorized, please remove it from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your time! Humbled am I! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract and Reporting Act section 611 ( a ) ( 1 ) ( A ) and  Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Act ( including but not limited to Section 623-b ) I asked these companies to simply show me verification of debt etc or if these items are mine. None have done so. I am asking for proof or delete the item. It has been 2 months now almost 3. I have been filing reports and giving them chance after chance to prove this yet they refuse. I mailed more letters off as late as last week. 

XX/XX/XXXX I mailed the first sent off letters. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Product: Mortgage

I have contacted Oceanside Servicing on numerous accounts simply requesting a payoff amount valid through XX/XX/XXXX. I initially attempted this via email ( as outlined in their faq ). Several days went by and we still received nothing. I have called a couple times being assured it will arrive in 3-5 business days. Still nothing. I called today XX/XX/XXXX and was assured it would be emailed to me by end of business day. I have still not received the payoff and they are closed. I close tomorrow XX/XX/XXXX, and will not be able to close without this payoff amount.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, I recently went through my credit file and discovered that some of my personal information is incorrect. It seems that you have included information in my credit file that actually belongs to someone else. I am writing to ensure that my credit file contains only accurate information at all times. I kindly request that you remove the following inaccurate information from my credit file within the next 30 days. I am aware that you have a maximum of 30 days to address my request. If I don't receive any updates from you during this period, I will assume that thesesscuracies have been automatically removed. 
The specific information that needs to be deleted from my credit file includes references to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. By reporting these inaccuracies, you are violating 15 USC 1681b ( a ) ( 2 ), which states that a consumer reporting agency may only furnish a consumer report based on written instructions.
Product: Payday loan, title loan, or personal loan

I complained to you XX/XX/XXXX complaint ID XXXX, and now back to you complaining AGAIN for same issues XX/XX/XXXX. 
Merchant presented for payment on XX/XX/XXXX, ONE ( 1 ) day earlier than agreed to XX/XX/XXXX creating overdrafts fees totaling {$72.00} to my checking account and putting my checking account in jeopardy with these overdrafts. I didnt have ANY overdrafts till I subscribed to metabank/money lion. This is SECOND time to occur and its personal to derail my checking account to get DIRECT DEPOSITS FROM SSA. 
I even told them how to FIXED problem and here were are. Contacting MoneyLion is a joke and needs to be address. MoneyLion should not be allowed to do business with these deceptive practices. 
Monthly Subscription fees for line of credit/RESERVE account PLUS another fee. for loan. When requesting XXXX, asks for a tip too. I cant pay my bills on Time with this XXXX happening XXXX
Product: Credit card or prepaid card

The most recent response from Synchrony Bank mentioned an authorized user, after nearly 3 months of dealing with this situation and talking to numerous Synchrony representatives, this is the first time an authorized user has ever been mentioned. I never gave the authorized user on my account the card that was mailed to me ; the purpose was not for utilization, but solely for credit reporting. When I added the authorized user online I was not provided an option to opt out of a card being mailed, it simply asked for a name and nothing else ( not even a SSN or address ). Furthermore, I never questioned the whereabouts of the authorized user card because I was told numerous times that " my '' card was used. The latest correspondence from a Synchrony Bank specialist ( see attached ) mentioning the authorized user, prompted me to do a thorough search for the authorize user card, which I did not find. I 'm certain it was lost or stolen. At the time of the initial dispute, I was asked did I have possession of my card, I answered yes. I was never asked, and still have not been asked to this very day if the possession or whereabouts of my authorized user card could be confirmed or not. I never gave it much thought until now, and my request is for Synchrony Bank to confirm which card was utilized when the unauthorized charges were initiated. Also, during the issuance of a replacement card, I specifically requested that an authorized user card not be sent, Synchrony Bank not only sent the card anyway, they sent a total of 2 on separate occasions. When I called to address the matter, I was told nothing more than to shred the cards. 


Moreover, the specialist stated that a new claim/investigation was opened on XX/XX/17, but there was never an adjustment to my account ; therefore, not only are the credit bureaus receiving and reporting these disputed charges, I 'm being charged daily interest on them which is reflected in the billing statements and the amount due. In Synchrony Banks latest response the specialist indicated that she reached out to me to discuss the account, I feel this statement is very misleading because the voicemail left by her stated otherwise. She stated that she was letting me know she received my inquiry and although she left her contact information, she specifically stated that there was no need to call her back. According to Synchrony Bank latest response, they are alluding that the issuance of a credit card that can not be counterfeited and the use of that credit card within 50 miles of the card holders address, constitutes liability even if the charges were not authorized and fraud is suspected by the card holder.