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

I have been selling on XXXX with two seperate Paypal account and they are now holding my money for 180 days on both accounts. I am unable to withdraw any money and am unable to pay my bills. This has left me in a very bad situation and i am now at risk of being homeless. Its my money and they have no right to hold it. They are saying i am linked to a negative account and i have repeatedly tried to explain that the account is not mine. I need help please and someone to listen to me and give me my money i worked for. I am a good seller with many positive feedbacks and i do not deserve the treatment i have received from Paypal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have addressed the wrong reporting that the company has sent over to XXXX. There is no payment history which is missing since XXXX  and also the company has sold several times and passed my information along while providing inaccurate information. Each time I am ignored and responded too late. I want this account deleted from my XXXX account.
Product: Checking or savings account

On XX/XX/2020, I purchased a service with a marketing agency called XXXX  XXXX XXXX. During my consultation call, I was told the services could get me 2-5 appointments. I needed 2 appointments to trigger my insurance salesperson contract. The gentleman XXXX was told my situation and that I didn't have the XXXX asked for. I was told that XXXX could give me a discount for XXXX if I signed up on that call. I only had barely the amount. I was nervous but XXXX let me know he had used the service for his insurance career and if it didn't work, I could get my money back within 30 days. I sent an email letting the company know it did not work and requested a refund. I was told that I could not get the refund promised and I was within the 30 days and had followed all of the steps advised by the company. I did not get any appointments. 

I disputed with USAA and have called pretty much everyday or sent a chat. Many of USAA 's agents saw but USAA still sided with the merchant. The merchant sent in a false invoice without a signature or my name or information and lied in the statement sent. My email proves my statements. 

I have attempted to let USAA know this almost daily and they are telling me to contact the merchant which is why I contacted USAA to dispute. The merchant ignores me and has not responded. 

Also, the merchant showcases a money back guarantee on his website, blog and XXXX channel. 

Yet, USAA still does not refund my money. I also sent in all of the documents to show the information. 

I am asking for help and a refund as an over drafted account affects me and I am telling the truth. I also do not have XXXX to waste especially at a time during a crisis. I was trying to keep my job. I lost my job because I did not trigger. 

I can provide all of the documents provided to USAA and all forms of communications, including what the merchant sent in which was false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX 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 accounts 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 this 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, credit repair services, or other personal consumer reports

On XX/XX/2018 I purchased a car. My credit has always been in the high 700 's and low 800 's but at the time I purchased the car my credit rating was XXXX. All of the reports on my credit history was accurate, I have about a 7 % utilization rate, 4.5 year old credit history and except for a payment my son missed years of perfect payments. My income stream has not changed so nothing accounts for the nearly 200 point reduction in my credit. When I called XXXX I was told to contact the individual company that wrongfully reported credit, however, all of the credit reports were accurate. All of the factors that existed when I had a XXXX credit rating are still there but my rating was XXXX. Please help.
Product: Debt collection

I Sent them a validation of debt, letter of demand and notice of dispute they told me I owe a debt I sent them those letters and got no response.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request.

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
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 m 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, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX 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

The account was closed in XXXX but the payments are all up to date and current. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/2022 in regards to my XXXX installment loans. I informed them that I had recently suffered financial due to being unable to earn income while I deal with COVID omicron here in XXXX. They entered me their " Temporary payment and interest rate reduction '' program. During this time I had also requested for my due date to change so that it would be easier for me to make my payments. The female representative said that is not a problem. 

Fast forward to late XXXX and I am not feeling well but have my payments on autopay. Then on XX/XX/2022. My FICO score drops XXXX points. 

I contacted XXXX XXXX on XX/XX/2022 @ XXXX to discuss XXXX XXXX account # XXXX. He then transfer me to a XXXX named XXXX @ XXXX on XX/XX/XXXX. 

She informs me that XXXX out of my XXXX payments was returned by my back. And I informed her that I didn't receive a letter from XXXX XXXX about the payment return. XXXX then continued to say that XXXX XXXX sent an EMAIL and tried to call. I told her that I didn't receive any voicemails or emails ( maybe they went to Spam ). She then put me on hold to talk to her manager and returned @ XXXX. 

I tried to explain to her that XXXX XXXX needs to remove the 30 day late on my credit report since I was not late and had asked to change my due date in XXXX. XXXX said no and that my 30 days late accrued on XX/XX/XXXX. I tried ( close to XXXX ) explain that did everything I could to avoid ever receiving a late payment on my credit file. XXXX XXXX said to me that it's not XXXX XXXX problem. And was very insensitive to me. 

After doing some research I realized that XXXX XXXX is in violation of the Cares Act and these other laws below : 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 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: Debt collection

XXXX XXXX XXXX sold my account to merchants adjustments servants. This is a violation of Hippa laws and my medical information shouldnt have been released to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT SUPPRESSION REQUESTED BY ALL CREDIT BUREAUS.   XXXX   XXXX   EXPERIAN AND  XXXX .     PER THE  F.C.R.A  LAWS.
Product: Money transfer, virtual currency, or money service

I pulled out {$200.00} from my account and later that month I had got hit from behind by another car and when the officer showed up and I gave him my tag and my insurance number my information and you pulled it up and he and when I contacted the claim number they told me that my insurance was it canceled or I had left I said that can't be I just made my insurance payment and sure enough when it's want to contact the insurance company that the insurance company told me that my insurance had laps due to the account did not have enough funds in it to cover the monthly coverage and I said that's not possible I had {$610.00} in the account so well nope I did not when I made the {$200.00} transaction at one time only one time transaction it charged me four times for that one transaction so I tried to dispute this with cash app and cash app was not giving the money back no matter what I tried to do they would not give me my funds back therefore I ended up with a bunch of damage to my vehicle not covered under insurance about got my license took it from me could have gotten a lot more trouble than that plus an outrageous deposit for another new insurance policy and out of {$610.00} and still have not yet to get my money back from cash it and I've already asked them and asked them and disputed them and disputed them and they still have not yet to respond back to me nor refund the funds
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 U.S.C. 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have violated my rights. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) states that 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: Mortgage

In XX/XX/XXXX I moved to XXXX from XXXX I contacted Countrywide and told them that I had {$61000.00} and needed to buy a home. I had an appointment to meet a lady at the XXXX XXXX XXXX. I was on XXXX, and had just gotten a job as a XXXX XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX. I gave them my information in a week I got the home. In XX/XX/XXXX or XX/XX/XXXX I was given information on direction on where I was supposed to meet them also the bank information with a cashier 's check of more than 61,000. The first mortgage payment came in shock I contacted countrywide to let them know that the payment was too high for me that I do n't make that much, I was transferred from telephone lines to lines to avail. after two years of struggling borrowing money from family members and friends until I could n't get anymore. In XX/XX/XXXX I was served with foreclosure I was referred to many people for help including XXXX XXXX XXXX which I paid {$400.00} plus a month till XX/XX/XXXX They never helped, they always dismissed all of my request for help I never know who my lawyer was. In XX/XX/XXXX I filed for bankruptcy with another lawyer my home was included in it, after maybe a couple of month bank of America removed itself from the bankruptcy I asked for a modification during the hearing mediation, bank of America told me my lawyer and the mediator that I was not qualified, they do not participate in the Obama assistance program the only thing they can do for me is that they will sell me the home for {$190000.00} but I have to give them {$30000.00} down if I can not give the money they can not help me because I 'm qualify for the modification. I told them it was the same money that I am making now that I purchased the home I never got a raise. they said no and sold the home to itself. My last day to leave my home is XX/XX/XXXX I have no money to rent and they were not going to help me financially if I do n't moved the sheriff will put my stuff out on the street. I am left homeless because I trusted countrywide. Also Bank of America has my daughter 's name XXXX XXXX in all legal documents in which my daughter has nothing to do with the mortgage and the foreclosure that is not right when I purchase the home my daughter was a child I do n't think it 's fair to do that. Thank you
Product: Vehicle loan or lease

I leased my vehicle through Ally Bank. I setup my account on auto pay XX/XX/XXXX. Prior toXX/XX/XXXX my credit card had been compromised so I cancelled it and obtained a new card. I called Ally bank on the XX/XX/XXXX date to make sure they had the new card information so there would be no interruption of my auto pay account. I was told by Ally not to worry as the Auto pay was connected to my checking account. On or about XX/XX/XXXX I was sent an e-mail by XXXX XXXX stating that my credit score had dropped as a result of a 30 day late issued by Ally Bank. I called Ally bank and after two hours on the phone and 6 representatives was told I cancelled my auto pay on the XX/XX/XXXX date. Upon investigation it was determined Ally bank made the mistake of cancelling the auto pay. Further they never notified me of the cancellation of the auto pay or that it was delinquent. I am purchasing a home and am in effect homeless as I have sold my home in Arizona. I can not purchase a home until I resolve the Ally bank problem and have my credit score put back to where it was prior to Ally banks mistake. I have informed them of this with no result or action by them. it is my hope that you can help me resolve this issue. Thank you very much.
Product: Credit card or prepaid card

I was charged too much for a vacation car rental ( roughly double the original amount or XXXX USD too much ). I have two documents that prove the correct amount, one is the confirmation from priceline which I had used to complete the reservation, the other document is a statement from the employee of the car rental company that states the correct amount and explicitly states that no one-way fee was to be charged for the rental ( which is the main driver of the difference ). I contacted the car rental company multiple times through different channels. As nobody at the car rental company felt responsible for the issue, I disputed the charge with Chase. The first agent at Chase asked me to go to the car rental location in person ( which is located in XXXX, I am based in the US ) to resolve the issue. The second agent pretended to take me seriously but closed down the dispute a few days later with no explanation or resolution, despite the documentation I had provided. With the merchant being unresponsive, it is the bank 's responsibility to resolve this dispute but Chase does not take its responsibility seriously.
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXXXXXX XXXX Balance {$650.00} ; XXXX XXXX Balance $ - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$12000.00}.
Product: Credit card

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the items that are not mine and there some items that is still remaining that needs to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. The following items were cause by fraud.
Product: Checking or savings account

XX/XX/ 2022 my business account had unauthorized and several roughly XXXX was taken out my account from several merchants.. attached is proof from XXXX XXXX database I don't have an account. so all charges should be disputed and a refund should be issued to me.
Product: Credit card

My identity was stolen and used for multiple things after I had lost my wallet with all my information in it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dear CFPB, I have tried to work with TransUnion about the credit information they have complied of me. They are reporting inaccurate information about me to others. 
After receiving a report from the credit bureau, I mailed them a credit dispute shortly thereafter on XX/XX/XXXX, XXXX enumerated various errors and inaccuracies that I found in the report. I included copies of my identification information in that mail request. 
I did receive acknowledgment correspondence of that dispute request ; however, after pulling a new report from XXXX still see items that are inaccurately reflecting on my credit report with them. 
I have attached the most recent report I could get, in this complaint, of all the issues I found of my credit report. They are reporting inaccurate information of me to others. 
TransUnion is causing me great harm. 
I would like for them to reinvestigate these items being disputed, have them collect the names of the specific people that are verifying this information to be accurate and provide me the supporting documentation of that claim that shows those are items are in fact mine. 
Any business can create invoices for any amounts they would like and make a claim that such amounts are owed to them ; as such, I demand strict proof to be provided in order for the disputed information to remain on my credit profile. 
Thank you, XXXX XXXX
Product: Credit card

Good Day, I am writing regarding recent dispute with Capital One Bank. 
First of all, I did not ask about XXXX car rental. Company 's explanation was irrelevant in that instance. 
Second, my question was specifically about XXXX XXXX Refundable deposit which I also reconfirmed with XXXX ( XX/XX/year> ) that the amount of {$150.00} ( refundable deposit ) was refunded back to my card but Capital One charged my card instead. Though they explain about temporary credits they gave but as a result I am having a loss of {$150.00} with XXXX ( refundable deposit ) which should not have happened. 
Third, the company charged a late fee of {$25.00} recently while I paid on time ; however, Capital One rejected my new bank account and charged a late fee of {$25.00} instead without explanation.
Product: Checking or savings account

A check I issued and mailed in California to pay insurance was stolen and cashed fraudulently in Georgia. I filed a claim with my bank, and they claim they followed up but have not returned my money. They have closed the case. I believe my bank should reimburse me and then get reimbursed from the bank that negligently cashed the check. 

The bank is Chase Bank. A TV news report says they do this repeatley.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX, SD XXXX shows a inquiry on my credit report Inquiry XX/XX/2020 that should have been removed XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in data breach. I have tried several times to inform the reporting agencies and they have failed to remove