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

To whom it may concern, on XX/XX/21, I attempted to sends funds to my brother XXXX XXXX using the CashApp. I attempted to send 3 payments of {$500.00}, {$500.00}, and {$8.00} totaling {$1000.00}. However, my recipient, my brother never received the funds. I made several attempts to contact CashApp Support to recover these funds and received several emails as well as having several phone contacts with CashSupport personnel. All efforts to have my funds refunded have failed. Therefore, I filed a dispute claim with my financial institution, XXXX XXXX XXXX XXXX fraud department on XX/XX/21. My dispute case was denied on XXXX as this was considered a person-to-person transaction. I have attached the dispute denial letter I received today from my financial institution. I have repeated contacted CashSupport to rectify this matter and have followed all directions requested of me by the XXXX personnel. My most recent contact was today, XX/XX/21 and was told that their records show that the recipient had received payments despite having discussed this matter with my brother as recent as XX/XX/21. My brother vehemently denied that he had received payments from CaspApp. The CashSupport personnel agreed with my brother and stated that the payments may have been sent to XXXX, which I thought was ridiculous. The following are the many emails I received from Cash Support along with my response to those emails. I have also included a snapshot of the CashApp on my phone. Your assistance with this matter is appreciated. 
Mahalo XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : XXXX XXXX Account # ending # XXXX XXXX XXXX has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately.

I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX and Experian are consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition.

Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX and Experian, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, Experian, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked.

The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX and Experian are not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Credit card

I am in need of my report and my accounts and my credit file to be updated as these 3rd party companies have been violating the law and, my privacy and they are harming me as I have a right to credit and all these accounts are being reported inaccurately and this is a violation of the privacy act, and NO ACCOUNT is ever late and NO account is to be reporting inaccurate information and each item that they have reported is a damage to me and it is a XXXX charge and they need to pay me for the negative and unauthorized items on my consumer files. 
I am a federally protected consumer and I have a right to an accurate and fair credit file. Theres hundreds of items that are being reported that I never consented to. They're in violation of the FDCPA, ECOA, FCRA and any negative items and any false reporting is a damage to me and they owe me XXXX for each unauthorized reporting, i MUST see a copy of the contracts between me and the Equifax as they know and you know that we do NOT have a contract and now they MUST update every single account and the status to show as PAID on Time, NEVER late, NOT CLOSED, and I need all the payment history to reflect as such. 

I have attached the secretary of state PROOF that I WAS NEVER LATE, THAT I do not have any outstanding balances and all these accounts need to be current/ never late and I have an unlimited balance. Make sure they REMOVE and DELETE all the inquiries that they do not have a standing active balance. I need all the accounts to be in favor of me and these accounts are NEVER CLOSED, NEVER LATE, NEVER a charge off and I have NO collections. See attached.
Product: Credit card or prepaid card

I have a paypal mastercard ( card ending XXXX ) with synchrony bank, on XX/XX/2021 I tried calling synchrony bank on phone number XXXX to speak to a supervisor in regards to a problem that I have been having for months. I have tried calling synchrony bank multiple times in the past for clarity on this problem and possibly to have the problem resolved. My problem is that I only have one bank account associated with my account with synchrony that I do not use and can not make payments with. Everytime I clicked the button 'Add bank ' to add a new bank account on their website ( https : //www.syf.com ) for my account to make payments with, it redirects me to a webpage that says " there is a problem with the information you provided. please go back and try again. ". I received the same error message when I tried on the XXXX browser ( for pc ), XXXX  ( for pc ), XXXX ( for android ) and the app. I called synchrony bank and asked for a supervisor and was told to wait on hold multiple times for an unreasonable amount of time before either I chose to hang up, I was disconnected or ( eventually ) told that no supervisor was available to speak to and to try calling back another day. I ended up calling synchrony bank 8 times on XX/XX/2021 trying to reach a supervisor and was unable to do so. I personally felt like the staff was disrespectful and was deliberately not allowing me to speak to a supervisor.
Product: Mortgage

I started a loan process with Royal United Mortgage LLC and did not move forward with them, because they were charging way too much for the rate. 3.75 % for a rate of 5.25 % fixed. 

Does Royal United Mortgage has to reimburse me for the appraisal fee? They charged me {$470.00}. I have attached the closing statement. I did not move forward. 

After discussing with the loan officer on several occasion, that I would not be moving forward with Royal United, I was harassed. She basically told me, that I would not get any better deals inquiring anywhere else and that no other company would do anything better than theirs. She also said my credit was so bad and if I went with another lender, it would make my credit worse. Which I found out was not a true statement. I felt like she was scaring me into not, seeing my options. 

She kept calling and emailing over and over again, to the point she contacted my job to get a hold of me. It was very stressful, it really put a lot of stress on this life decision I had to make. 

It was a horrible experience. I understand they did the appraisal, which I did not use. I would like to be reimbursed.
Product: Credit card or prepaid card

I opened a capital one credit card in XX/XX/2023. Since then Ive had several unpleasant and unexpected encounters with them. 

The most recent is auto pay. I had a problem with the app for capital one in XXXX as well as fraud and capital one not sending me a new card. Their explanations were I dont know why that happened. 

Well now Im still encountering problems. My payment due said {$58.00} because 2 payments were due because of an issue processing my XXXX payment. I made a {$29.00} payment so my payment adjusted to then owing {$29.00} for XXXX. I then cancelled the payment I had scheduled on XX/XX/XXXX for {$58.00}. My autopay remained on and said and stills says scheduled payment XX/XX/XXXX. XXXX XXXX  ET. So according to the capital one app I of course believed an autopay would occur for the {$29.00} due for XXXX. No payment was taken out. They said my ending statement said minimum due {$58.00} even though the minimum due on the app updated to {$29.00} due now. So they said i owed the {$58.00}. Confused. I escalated the call to no avail. I was given excuses that made no sense as what I was looking at didnt coincide with their excuses. They wouldnt help after a 1 hour 1 minute call I finally hung up no further along than them talking in circles with the ONLY reason being thats how autopay works she was rude and unprofessional as well as not seeming to have knowledge of anything. She ended by asking if there was anything she could assist me with and I said remove the {$29.00} late fee for them not taking out my {$29.00} payment. She said she couldnt and I said why did you ask then, in her words, because I have to.
Product: Debt collection

Resurgent Capital Services & LVNV Funding does not have any lawful right to be in possession of my non public personal information.

I did not give either one of these companies consent to furnish this alleged debt that they claim that I owe from 2018. It is a violation of 15 USC 1692d ( 4 ) In their most recent correspondence to me ( See attached documents ) in response to my prior CFPB Complaint Resurgent Capital Services ADMITS that they agreed to cease and desist communication of an alleged debt which also means they agreed to cease credit reporting. 

Communication defined under the FDCPA 15 U.S. Code 1692c means the conveying of information regarding a debt directly or indirectly to ANY PERSON through ANY MEDIUM. 

My credit report is a MEDIUM that being said the LVNV FUNDING account needs to be removed from my XXXX, XXXX, and XXXX credit reports. 

I am aware that Resurgent and LVNV Funding are coercing me to pay an alleged debt by ruining my financial reputation which is a violation of 18 USC 894 liable for up to 20 years imprisonment. because they benefit at my expense, the debt collector, original creditor, and consumer reporting agencies may be engaging in racketeering activity.
Product: Debt collection

Recently i got an alert on my credit report regarding a derogatory remark put in place by Company Sav-it. 

I reviewed the information on this and found they had lodge due to an apparent owing medical debit from 2016, i was under the belief back in 2016 this was settled with my insurance company, i had multiple calls with the Doctors office and last call was that they had everything settled. 

I was out of the country until XX/XX/XXXX this year and was never made aware that Sav-it was trying to contact me, according to Sav-its employee last Wednesday Evening XX/XX/XXXX they had sent a couple of letters and tried to call me however confirmed they had never contact me. 

i asked them to remove the derogatory remark for further investigation, i cited that i should be entitled to 90 days to defend the matter before any remark be lodged against me and that if the matter wasn't settled in 90 days i would not have a problem with the remark being on there, the person i spoke to on XX/XX/XXXX i believe his name was XXXX XXXX said he would have a manager call me the following day, i have never received a call, i have left multiple messages in the form of calls and social media, i have recorded evidence they have indeed received these messages but still refuse to make contact with me. 

This has now caused a seriously problem for me and i feel i have not only been discriminated against because i am not an XXXX XXXX   but also that this company has broken the law. 

i am happy to assist in any way what so ever to make sure that Sav It is fully investigated and prosecuted where justifiable.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ( Original Creditor : XXXX  ) XXXX Balance : {$550.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$160.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX  # XXXX, XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

Each attempt to confirm how Caliber Home Loans is posting my monthly payments fails. I have paid all required payments, I have paid added principal, I have paid all late fees, and Caliber Home Loans emailed me a mortgage history that does not account for all of my payments. My monthly payments made via XXXX XXXX XXXX XXXX XXXX cashiers checks have been stolen by the US Post Office, and has been applied, if applied at all to a Caliber Home Loan other than my own. In XX/XX/2019 the US Post office claimed they mailed my cashiers check to the wrong state. XXXX XXXX XXXX XXXX XXXX issued me a replacement check, the lost check was never accounted for. In XX/XX/2019 I mailed a lump sum cashiers check paying three months in advance, I endorsed the back of this Security Plus XXXX XXXX XXXX XXXX check to include my property address. The bank stamped covering over my endorsement. XXXX XXXX XXXX XXXX XXXX accepted this questionable endorsement. Much Much more, will discuss as requested
Product: Debt collection

I received a letter saying that I owed for a AC unit, after I moved out of the home. They are attempting to charge me for the AC unit, I moved out of the home with everything still in the same place all appliances which I provided my own refrigerator whereas the stove was the only appliance provided by signal properties Sometime in between me moving and them coming to lock up the vacant home an Air Condition unit was stolen. I Obtained a copy of my credit report and noticed a collection from Rent to debt automated in the amount of XXXX. I Contacted them and the explanation I was given was because the home was left unoccupied and that it was my fault that the AC was stolen.. Ive tried disputing the inaccurate information only for it to claimed as verified. This inaccurate information is harming my credit score and hindering me from obtaining housing. To a creditor the {$1400.00} looks like unpaid rent which in fact it is a attempt to collect on a AC unit,
Product: Student loan

Hello, I sent multiple additional payments in XXXX right before my loans transitioned to the new Mohela website. The money was pulled from my bank account but has not reflected appropriately in the system. I was told in XXXX by a representative on the phone that the payments would take up to XXXX business days to show the appropriate amounts. Now that we are at XXXX business days, I still do not see any movement on my account, but Mohela can still access my banking details and still pull auto-debit for a monthly payment. 

I do not trust that when things " adjust '' that my account will be calculated with the correct updates to what should be my actual remaining loan balance. Additional Payments XXXX and XXXX below were withdrawn from my bank but did not get applied to my loans on Mohela 's website pre-transition, which apparently will not catch up to the new system anytime soon. 

Standard Payment taken out XX/XX/XXXX : {$280.00} Additional Payment # XXXX taken out XX/XX/XXXX : {$250.00} Additional Payment # XXXX taken out XX/XX/XXXX : {$360.00} I have receipts for all of these withdrawals as well. And no one can access account details from the old system to verify my amounts. The standard payment was applied right before the transition, but still, none of the other payments have applied. I targeted specific loans with my payments as well. Loan # XXXX on my account shouldn't even exist anymore, yet it still exists and is accruing interest. I want my loans to be applied exactly the way I requested when I submitted payment. This is absurd that Mohela can keep charging me month to month and do nothing to fix the accounts of myself and many others due to this transition. 

I've sent this exact email to Mohela as well on XX/XX/XXXX with no response, yet.
Product: Debt collection

This company is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet They have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them. 
I kindly request that you delete this account and remove any negative reporting from my credit report. 

thank you.
Product: Mortgage

I put in a recession letter on XXXX XXXX, 2015 to all 'known ' associated parties on XXXX XXXX XXXX XXXX XXXX, NY XXXX, home. And CFPB. 
What I received was a run around that ended up with OCWEN. They reported that the home went through a foreclosure. Fabricated documents along with forged presumption were all through out this illegal foreclosure. Hence, why this rescission still stands.
Product: Credit card or prepaid card

I want to make a complain to Bank of America Credit Card department. I filed 2 dispute cases ( case # XXXX for {$700.00} and XXXX for {$270.00} ) with Bank of America back in XX/XX/2022. The bank closed my dispute on XX/XX/2022 without asking me for any supporting document. I called the company multiple times and explained situation of how the merchant is scam me without providing promised service on the transaction date ( XX/XX/2022 ) and even filed XXXX  case XXXX for this situation. But Bank of America still thinking they can not help me to dispute the transactions. They think it's my problem and they are not able to do any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Exeter Finance LLC account # XXXX XXXX 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 or a credit card account under an open end consumer credit plan as late for purpose.

The company informed me that my due date is on the 29th of every month and they report on the 30th of every month. But when making a payment within my 10 day grace period the reporting cant be changed due to the date of reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account ( XXXX ) with ( XXXX- name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, DATE OF LAST ACTIVITY, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1666b ( a ) Time to make paymen

ts A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting late payments on my credit report. According to the Fair Credit Reporting Act ( FCRA ), any report that includes information solely related to transactions or experiences between the consumer and the reporting entity should be excluded from a credit report. Since this information is currently included in my report, it constitutes an inaccuracy. XXXX has also taken an adverse action against me by closing my account rather than filing arbitration to resolve the issue : pursuant to our account agreement. 
Furthermore, the FCRA specifies that any entity providing information to a credit reporting agency is required to ensure that the information is complete and accurate. If they find that the information they provided is not complete or accurate, they must promptly notify the credit reporting agency of this determination. They are also obligated to provide any necessary corrections or additional information to make the report accurate. Continuing to furnish incomplete or inaccurate information would be considered willful non-compliance, which is punishable by law.