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

I signed up with a credit card processor, Pay Safe, in XXXX of XXXX. Please note the following : XXXX. On XX/XX/XXXX, I processed the first two transactions. At this time I was advised that it would take 2-3 business days to process the transactions and monies to be forwarded into our business bank account. 

XXXX. On XX/XX/XXXX, the monies had not been transferred into our business account. However, Pay safe did charge us a fee in the amount of {$3.00}. On XX/XX/XXXX, I called into Paysafe and was advised that since we were a new account in the contracting services field, we would have to wait additional processing time to receive our funds. I was advised that our funds would be received on XX/XX/XXXX. I asked to speak to our risk advisor, XXXX. I was advised that she would call back to review our account and current hold. XXXX never called. 

XXXX. On XX/XX/XXXX, our funds were not transferred into our account. I called into Paysafes risk department and was advised that our funds had not been transferred and our account was under review. I was advised that there was no one for me to speak and XXXX would call when she is out of a meeting. 

XXXX. On XX/XX/XXXX, I went an email to the customer service department of Pay safe, inquiring about Pay safes failure to community and transfer our funds, I also attempted to cancel this transactions to protect my customers since Pay safe continues to hold our money with no explanation or cause.

My concerns are the following : 1. Can a company charge us a processing fee, when monies have not been transferred or processed properly? 

XXXX. Does the law state how much time a credit processor has to transfer money into their customers business account or are they allowed to hold indefinetely? 

XXXX. How can consumers learn if a credit processor is a legitimate company? 

My # goal is to protect our business and its customers. I am reaching out to CFPB for clarification and understanding as to the requirements of credit processors. Thank you for your time and assistance on this matter. 

XXXX XXXX XXXX XXXX
Product: Mortgage

Better.com is advertising 15 year refinance interest rates on XXXX at lower pricing than what they are actually able to offer me as a consumer. I entered in all of my information accurately ( zip code, property value, loan amount, credit score, loan term, occupancy status, property type, etc ) and then when you get redirected to Better.com they are only able to offer worse pricing ( higher interest rate, more points, higher APR ), this is a clear example of bait and switch advertising.
Product: Checking or savings account

Zelles limited identity verification methods have allowed bad actors to quickly create accounts and target Zelle users. For example, criminals often exploited Zelles design and features to link a victims token to the fraudsters deposit account, which caused payments intended for the consumers account to instead flow to the fraudster 's account.
Product: Student loan

I am a recent XXXX from a XXXX at XXXX College, in XXXX XXXX, PA. Until last week, I was under deferment for my private education loans. I am now unemployed and struggling to make my loan payments. Of course, I am under IBR for my federal loans but my private educational loan lenders, XXXX XXXX and PNC, they are relentless. I am desperately seeking work and am unable to consolidate due to low credit ( due to my student loan debt ), and I do not have a cosigner, because my parents recently filed bankruptcy. I am running out of options and they will not give me any other options of repayment, deferment or forbearance. I have considered ending my life over the stressors, but my grandmother is the cosigner on my private loans and she would be forced with them. This, of course, is not to be dramatic, just trying to illustrate how hopeless the situation at hand is. I feel as though I need help. I need someone to help me through this situation. Please, anything, any information you can help me with is vital. Again, I 'd like to illustrate that I am not trying to take advantage of any kind of system. I 'm just desperately trying to better my life and my situation. Knowing what I know now, private loans were clearly not a good option for me at the time. It 's too late, though and I need help now..
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : APPLE CARD GS BANK Account Number : 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 refurnish 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 conviction of crimes, which indicates the report by more than seven years 15 U.S.C 1681s- ( 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 calls to believe that the information is in accurate
Product: Payday loan, title loan, personal loan, or advance loan

XXXX, I applied with Affirm for an order from XXXX but was denied. I do have a credit freeze but I lifted the freeze a day before. Therefore, Affirm had access to it stating they could not verify my identity. I have the same profile with Affirm with 18 accounts pay in full with a great pay history. Affirm providing false reasons to denied so the customer can not get an Affirm account. I would rather they tell me we can not at this time assist with your purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is what I submitted to XXXX : XXXX mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both XXXX and all three credit reporting agencies : Equifax, XXXX, and XXXX. I tried to get this information updated months ago, but instead of fixing the problem XXXX then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened. 


Here was the response from XXXX : We have reviewed your concerns about the negative information on your credit report regarding this loan. Our records show that on XX/XX/XXXX, we submitted an update to the credit bureaus to which we report ( Equifax, XXXX and XXXX ) to remove the negative information for the XX/XX/XXXX reporting. We have pulled information from the credit bureaus and confirmed the update did occur and the reporting is accurate for both parties on the loan. Please be advised that if the credit report is not from Equifax, XXXX or XXXX, the credit update would not have occurred as we do not report to third party credit agencies. 


Here is the reality, if XXXX submitted this then they submitted the wrong thing or all three credit agencies are reporting incorrect data on my credit and NOW ON MY WIFE 'S CREDIT!
Product: Debt collection

Notwithstanding a number of disputes to the XXXX XXXX and XXXX consumer reporting agencies concerning an improperly reported Monterey Collections Services collection account, said account continues to be reported without proof of ownership. As detailed in a prior complaint, not only was this account disputed as " not mine, '' but it continued to be reported notwithstanding a direct written dispute to Monterey. No investigation was conducted - I was simply ignored in violation of the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX - XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX - Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX, FL XXXX ( XXXX ) XXXXXXXX XXXX XXXX  - Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXXXXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX - Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA 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
Product: Credit card

We opened a CREDIT CARD with Concora Credit. They have changed our account information without our consent, which was fixed, but now they have broken their contract by changing our payment agreement. They now have themselves listed as a personal transfer instead of a bill or credit line, but yet still are hitting our credit. My original payment was supposed to be {$350.00} and that amount keeps changing. Theyve now changed their payment system and its impossible to pay them. Every step of the way, they have been fraudulent, and now that they have broken our contract we have real problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have violated my privacy rights as a consumer. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions, I have contacted Experian regarding the removal of an inarticulately reported bankruptcy that does not belong to me. 

The Experian reference number for this bankruptcy is XXXX. 

This bankruptcy in fact has been removed by XXXX and XXXX ( I have attached the dispute results from XXXX showing its removal ) who have agreed that the bankruptcy is not mine. I will include a 3 bureau report highlighting the fact it is not reporting to XXXX or XXXX, but is still reporting to Experian. There were also the following accounts that were tied to this incorrectly reported bankruptcy. They are as follows : XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX It is important to note that both XXXX and Experian have already deleted these inaccurately reported accounts as well. 

Furthermore, I must also bring up that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to Experian ( a consumer reporting agency by definition ) to report this inaccurate bankruptcy nor these inaccurate accounts on my credit report with them.
Product: Debt collection

Checked credit report and it shows I owe a college money. When I was in school, I received grants for everything or paid out of pocket. Never filed for a loan so I do not know why they are trying to receive money from me. I was never notified about this in any fashion. Nothing via mail, email or phone call.
Product: Credit reporting or other personal consumer reports

See the attached-I was penalized by XXXX points to my score for a credit increase of {$190.00}. But I was not award any points to my score when I had a credit decrease of {$420.00}. This hardly seems logical or fair. It's XXXX.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I made a report my identity continues to be used in opening fraudulent accounts and making hard inquiries. These accounts are now affecting my credit report and Ive been trying to get them removed. I was advised by the credit bureau to fill this form out to have the accounts updated and removed from my credit filed due to identity theft. 

XXXX XXXX XXXX police report Report number XXXX The following was provided to me today by XXXX XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX {$2300.00} XXXX XXXX XXXXXXXX {$4800.00} XXXX XXXX XXXX $ XXXX XXXX XXXX {$6000.00} XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXXXXXX {$3900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX acc num XXXX shows transferred to another lender that is not true, the acount number is not any account i recall signing up for. 
on XX/XX/18 XXXX, XX/XX/18, XX/XX/18, XX/XX/18 are marked late. 

In accordance with the fair credit Reporting act fifth third bank 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.
Product: Checking or savings account

I opened a checking account under First Tennessee Bank under a checking bonus promise of {$300.00} for opening an account with a minimum of {$250.00} and direct deposit monthly, which I 've maintained. After a few months of not receiving the bonus, First Tennessee stated that I was not eligible for the checking bonus because the code had expired. I had opened the account on XXXX/XXXX/17. The last day of the promotion was XXXX/XXXX/17. The code I used to open the account was " ONLINE. '' First Tennessee refused to grant the bonus saying the code I used was expired, but they were unable to tell me which code I had used on the application. First Tennessee swindled me into opening an account under the auspices of a bonus, which they then refused to deliver on after all the eligibility requirements were met. I think they did this in order to pad their new account statistics.
Product: Student loan

On XX/XX/year>, I sent in supporting documentation regarding the request for loan discharge. Also, on XX/XX/year>, I provided the completed application which involved more documentation and even forwarded it to a XXXX XXXX who was a QA for Sallie Mae since she emailed me directly. provided everything. But on XX/XX/XXXX I get a document stating they didnt get No emails or documents sent showing the school promised or guaranteed employment when in fact that is a lie because its titled " Failure to provide promised educational resources Page 9 '' which if they looked at it stated employment after starting classes. " XXXX XXXX XXXX XXXX XXXX XXXX XXXX department will help assist students in their search for part-time employment while they are enrolled. Students are eligible for career services assistance beginning their first day of classes. '' Which is a misconduct because the school never provides it and after providing the proof Sallie mae refuses to budge.And as today I am currently at XXXX debt.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of XXXX XXXX XXXX data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from Equifax in XXXX  that is still affecting me today and now I receive this letter.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX. XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX  Inquired on XX/XX/year> XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX Inquired XXXX XX/XX/year> 2024
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple disputes with all 3 of the CRA 'S, XXXX, XXXX & EXPERIAN as well as the data furnisher/creditor XXXX XXXX XXXX XXXX XXXX XXXX, WA ) XXXX 4 of the companies has failed to provide documentation in regards to my request regarding inaccurate reporting of a charge-off in 2017, my request per FCRA 623 laws of how the alleged investigation were done. A manager from XXXX XXXX sent me a letter stating that my dispute was " frivolous '' without providing any documents of how they validated their investigation. Nor was any paperwork with my signature shown to support and validate their claims that this is my account and that they are indeed reporting it accurately. My rights as a consumer allows me to request a written documentation along with evidence and proof of the investigation by XXXX XXXX to support their claims that information is not being reported inaccurately. However no proof and/or evidence was made which allows me to believe that the data furnisher is indeed providing " frivolous '' and " irrelevant '' claims of validation in regards to multiple inaccuracies on all three of my credit reports they have been sharing illegally. This really is a huge concern for me and many other consumers that are being taken advantage of by predatory lending institutions as well as sub prime banks. An investigation in the practices and integrity of this specific financial institution ( XXXX XXXX ) is needed ASAP.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 around XXXX EST. I sent the wrong cash app money and it was a large amount of money which was also the wrong amount of money. I instantly tried to cancel it and I could not. Me and the person whom I thought I sent the money to tried to figure out why he did not See it In his account to even be able to send me the money back. I XXXX cash app but they Ended up being scammers. They locked us out of our cash app accounts. I went to file a police report for help, the detective found the actual cash app support email for me contact them. Cash app told me they can not help me because I initiated the payment, even though I told them it was an accident, the cash app customer service lady told me that she could see the account I sent the money to, and that the money was still in the account and I could not get It back even though it was an accident.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, US DEPT ED. 
Company Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX 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 XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX   XXXX, XXXX, XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

Navy Federal Credit Union has charged overdraft fees, eventhough the money was available. If I has XXXX XXXX in the account, and used XXXX a day Monday through Friday, the available amount would reduce so I knew what was available, but if I used XXXX more than the XXXX, they would charge XXXX dollars for each XXXX dollar charge, eventhough the money was available for those purchases, they would also charge for XXXX XXXX usages as well. When we spoke of it they explained that it was how the system performs, they could not change how the system determines overdrafts fees and insufficient fees
Product: Debt collection

I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by the company. I request they must verify each item on my credit report actually belongs to me, last payment made and date of delinquency. If the item in dispute is inaccurate, misleading, or incomplete, they may have violated federal law in accordance with the Fair Credit Reporting Act, XXXX USC section XXXX.
Product: Credit card or prepaid card

XXXX XXXX credit card Has recievd my remittance payment / coupon XX/XX/XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX They have not credited the payment & continue to demand payment and report account deliquent which is hurting my XXXX XXXX