23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

this is complaint about first republic bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX account XXXX XXXX XXXX My mother XXXX XXXX XXXX XXXX XXXX have account with this bank for more then 30 years. For many years we accepted this low interest environment but now when interest rate jump XXXX % the bank want to renew the cd without my knowledge and still pay me close to XXXX % .The bank representative got all the information to communicate with me include email and phone outside the country but it was convenient for the bank to send letters to the address that use here but not present there. 
is that make sense to continue offer almost XXXX percentage point when they renew cd but for the same cd they offer for someone new XXXX percentage
Product: Debt collection

XXXX XXXX XXXX has fraudulently opened a collections account stating that me and my husband owe a debt to the company. I, XXXX XXXX XXXX and husband XXXX XXXX XXXX have never signed a contractual agreement with this company. This company is in violation of FCRA and FDCPA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company of complaint Transunion For account for XXXX XXXX XXXX XXXX : {$8900.00} XX/XX/2019 My wife and I have been disputing an account on our file for months. ( Joint account t ) We have both sent in burden of proof with court and email documents that this account is over inflated and fraudulent. Transunion investigated my wifes file with proof, and had removed it from her file but yet still on mine stating its been verified which is false. It is joint account and should be removed from both at the same time. Transunion does not do a thorough investigation on files at all. Ive had disputes where one minute its under investigation and literally minutes later stating it has been completed and accurate. They have non American speaking reps to answer your calls and does nothing or understand a word you are explaining to them. You can not upload documents on their website 9 out of 10 times and making it hard to dispute. It has been removed from my wifes transunion and XXXX and needs to be removed all together. 
This account has been removed from my XXXX a year ago but yet still fighting with transunion and XXXX. Why we have to have 3 to 5 bureaus to show your identity is insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Debt Recovery Solutions , LLC refuse to comply with the law and remove two incorrect medical entries from XXXX XXXX XXXX ( one for {$65.00}, one for {$1000.00} ) that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I'm sick of having to fight this year after year after year because the CRAs aren't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies, in this case, Debt Recovery Solutions , LLC, which last reported this old debt on XX/XX/2018. This is illegal.
Product: Money transfer, virtual currency, or money service

I ( XXXX XXXX Military, XXXX XXXX ) purchased a product through money transfer service XXXX through the USAA Banking XXXX. Sent {$880.00} from my savings account, through XXXX on the USAA Banking XXXX on XXXX XX/XX/2019. Transfer completed on XXXX XX/XX/2019, verified from USAA. Called and texted seller, did not receive any update or word on the money being received and/or product being shipped. Filed a dispute with USAA to obtain a refund on XXXX XX/XX/2019, they denied any responsibility and did not issue a refund. Called XXXX and they only referred me to my banking service and said I have to obtain a refund through USAA. 
Now I have no product, {$880.00} was stolen from my savings account which USAA nor XXXX will not refund even with proper disputes and proof. I intend on moving this case to the Military Judge Advocate and legal services if not resolved. 
My wife and I are XXXX ( moving ) to another duty station at the end of this year and this money is extremely important to us, it can cover moving expenses, rentals and food while moving. I have been with USAA a long time and the fact that they are denying any help at all in this case is extremely saddening, if this can't be resolved we will look into other banking services that can provide buyer/user/veteran protection for money transfers. 

Please help! Thank you.
Product: Credit reporting, credit repair services, 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 USC 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 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 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 or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of a bankruptcy on my credit report by Equifax. I disputed this information, and Equifax responded by stating that it had been verified through XXXX. However, I have obtained my XXXX report, and there is no record of a bankruptcy. 

Additionally, I contacted the bankruptcy court, and they confirmed that they do not verify or validate bankruptcy information for credit reporting purposes. Therefore, Equifax is reporting this bankruptcy erroneously. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under sections 1681e ( b ) and 1681i, which require credit reporting agencies to follow reasonable procedures to assure maximum accuracy of the information reported and to properly investigate disputes. Equifax has failed to meet these standards by not conducting a proper investigation.
Product: Credit reporting

I tried to talk to a live person for the credit bureau to freeze my credit report. That bureau, SageStream , LLC Consumer Office, formerly known as IDA Inc. There is never possible to talk to live person in their business hour and only allow me to do voice mail which is so inconvenient. They do not accept foreigners request as they strongly need their list XXXX files to do freeze report. And the files literally give people no way to make freeze done. For example, they want NON-US Person US PASSPORT picture page,, they want Birth certificate where they have no ability to read other language file and if you submit they would not accept them. Weird thing like that can list endless. 
They revoke foreigner 's people right for their own credit report freeze.
Product: Credit card or prepaid card

I made the following purchase in XXXX using my Chase Visa credit card : Merchant : XXXX XXXX, XXXX, XXXX   Purchase date : XX/XX/2018 Purchase Amount : Rs XXXX Equivalent USD Amount : {$7500.00} ( based on the exchange rate on the purchase date ) Actual amount shown in my Chase card statement : {$7800.00} Dispute Amount : {$350.00} ( the amount charged in excess ) I opened a dispute with chase on XX/XX/18 case number : XXXX. Chase credited my account for the disputed amount, collected the proof from the merchant for the transaction and determined that the charge is valid on XX/XX/18 and charged my account again. I re-opened the dispute on XX/XX/18 case number XXXX, as I thought they didn't understand that I was disputing the conversion rate and that I was not disputing that the purchase didn't occur. Chase reviewed the case and once again determined that the charge is valid ( without even discussing with me what I was disputing ). 

I have attached a proof of International charge alert received from Chase showing the correct dollar amount. I believe Chase has the responsibility to ensure that merchants charged their cardholders correct dollar amount for foreign currency purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit card

American Express Gift cards cant be used. I have XXXX gift cards with {$300.00} in credit that cant be used. Its such a hassle. I literally pick out things load my cart up only for the card to come up declined on the terminal. When you look at the gift card account balance the amount is debited as a temp hold. So then you have to wait XXXX days for the hold to drop off before you can try a different store. This is absurd my money is being held XXXX! I cant use what was given to me.
Product: Credit card or prepaid card

NAVY Federal Credit Union stole my entire California State and Federal Tax Refund without sending me to collections or notifying me of any action ( s ) in writing. I was expected to receive from State {$2000.00} and Federal {$6700.00}. Mind you that they are not only taking my money away, but my child 's money that he is entitled to by law as a dependent from State and Federal taxes. I am a XXXX veteran single XXXX mother caring for my XXXX son and XXXX mother. Federal Law allows only State and Federal Government Agencies to take refund money as payment toward a debt which NFCU is not. NFCU so called claims to follow NFCU Credit Card Agreement and Disclosure, but yet they refuse to provide me with the exact fine print to show me. NFCU failed to provide anything to me in writing by mail or email notifying of such offset. I have checked with the Bureau of Fiscal Services to determine whether an offset was to occur on a debt other than State or Federal Tax and they found zero. I have to pay XXXX for my late mortgage, XXXX to DWP ( Thanks COL in XXXX ), I also have to pay XXXX to NFCU for my checkline, and other bills. I expect my money back in my account asap since you have violated laws, regulations, and agreements, Furthermore, what they stole from my account has to be reported to the IRS which will cause to report a charge off as income which requires an amendment to my taxes. NFCU knows I lost my job, am XXXX and pending medical retirement/SSI, and I have other priorities other than a multimillion dollar credit union XXXX After the pandemic millions of us Americans have struggled and in debt, but what you did is theft and it is wrong. NFCU also stated by phone that they would offset {$180.00} each month beginning May from my VA disbility money. I expect NFCU to make the correct decision and return all the money they stole from my child and me or will resort to other legal and newsmedia means for help!
Product: Mortgage

This is pursuant to complaint numbers : XXXX & XXXX filed against Ocwen Servicing, LLC and, complaint Number : XXXX, filed against XXXX. 
Despite the fact that my mortgage loan servicer, Ocwen Loan Servicing , LLC, was paid in full for that mortgage on that Florida home, on XXXX/XXXX/2015 by wire transfer pursuant to the Payoff quotes which they validated in writing and good till XXXX/XXXX/2015, I am the recipient of another Alert from CREDITSECURE which notes that Ocwen Loan Servicing , LLC entered a negative comment into my credit report, while at the same the paid off mortgage loan amount {$170000.00} still remains in effect with XXXX. 
Does this reflect an all-out-war by Ocwen for the fact that I have contested their abuses with the Consumer Financial Portection Bureau? And what was the basis for that mortgage loan to have ever been transferred to Ocwen Loan Servicing , LLC which happens to be a debt collector and which also appears to be affiliated with XXXX bank? The loan is paid for in full even with addtional interest payments and therefore Ocwen is obligated to remove it from the credit bureaus, along with the negative entries which it has also reported. Ocwen 's behavior along with the credit bureaus it is aligned with are abusing the consumers with impunity and they should be penalized for such actions.
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 price 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 these violations.
Product: Student loan

I was aloud to continue with school while waiting to get a response for my XXXX. I had been approved for it the previous XXXX times I applied but this time was taking longer then normal to get a response. When asked if I should temporarily withdraw, I was told no, they could n't promise me a spot when I returned. Because it was denied ( with no solid reason to do so ), I was forced out of school unless I came up with XXXX XXXX that day to cover what classes I had already taken. I never once signed anything agreeing to pay this amount nor agreed to stay in school if student aid could n't help me. I feel I am being tricked into this by XXXX XXXX and even after many attempts to get a solid explanation to their decision. I am not entirely sure who else I can turn to at this point or what I can do. I do n't have the money for a lawyer and now am being sent to collections. I filed an appeal with the school, heard nothing then received a paper in the mail from a debt collector. After contacting the collection agency, I informed them about the appeal, they contacted the school which in return told the agency they had never received an appeal. Two days later, I get a phone call from the director that she did get it, denied it and was sorry that nothing was sent out to inform me. Like I said, there are no signed documents from me agreeing to take out any such loan through XXXX college. When asked to see the XXXX, I was told they did n't keep them on file, after contacting XXXX, they do n't have it on file either since it was never filed to begin with AND apparently do n't keep XXXX over a certain amount of time. I have copies of all documentation between the school and myself regarding my past overrides that were approved and the paperwork about the one that was n't approved. None of it makes sense. Please help. I am now XXXX of dollars in school debt over a degree I was 3 months shy of getting because of something the school decided that was completely out of my control. 
The campus is located in XXXX, Ohio
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2016 I've been trying to validate with Experian the Public record XXXX XXXX th posted in my credit report. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that accounts belong to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX. They sent my consumer disclosure report which shows clearly that I dont have any bankruptcy in my records. Also, I contact U.S Court Puerto Rico and sent me a letter expressing that any local or federal court does not report or give any kind of information to the Credit Bureau or anyone else. However, theyre still reporting it. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that they contacted, address method of verification and still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in Puerto Rico instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ) To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.
Product: Debt collection

This account was written off as an charged off. And I never received an 1099 c cancellation of debt form. And because of that this account is an accurate and has to be removed.
Product: Credit card

I applied for the GM rewards credit card from the dealer just because he offered me a {$500.00} discount on the car. I applied and was approved for {$14000.00}. Then the nightmare began, I signed all the papers for the new car and tried to make the payment with this new approved credit card. Declined! Tried again, declined! 
Called the support, they have no idea what to do. I started getting response like we need 5-7 business days to resolve this. This is not acceptable, I had to live with no car for the next 7 days?

Yes, unfortunately the dealer didn't finish the sale due to this failure. So asked me to come back once this issue is resolved. So for the next 7 days, I'm with no car. 
I can not even walk back on this, they did a hard pull on the credit score and opened this credit card. No point in closing, so stuck calling them asking for update. No solution yet, today is day 4, nothing! 
This Marcus by Goldman Sacks sucks big time, they have collab with GM they should know the users would use it for GM car purchase. Unacceptable that they don't have a way to resolve this immediately.
Product: Student loan

Was not contacted 4 years later about some private loan I supposedly took out and they are trying to collect it. I keep trying to call XXXX college but they keep giving me bogus numbers where nobody answers. I called the collection agency to get some information and they will not give me any info at all. They said call XXXX college but again this gets me nowhere with bogus numbers where noone answers or hangs up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXXXXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX - closed XX/XX/XXXX - {$460.00} XXXX  XXXX - closed XX/XX/XXXX - {$1700.00} XXXXXXXX XXXX - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} **Above accounts show as Write Offs **
Product: Mortgage

Sales agent on phone said a XXXX dollar good faith deposit was required to proceed with application to show intention to proceed. After appraisal came in low was not able to consolidate debt pay off Mortgage and drop pmi. So the application was canceled but they did not refund XXXX dollars saying it went to credit report and appraisal. Even tho they admitted the agent on the phone called it a good faith deposit. Citing signed docs the agent rushed through they refused to refund all but roughly XXXX dollars.
Product: Mortgage

I submitted a complaint on XXXX XXXX, 2016 but so far have heard nothing except it is in process. I need to include the attached to # XXXX. 
Specialized Loan Servicing denied our XXXX wire transfer payments & sent a fraudulent Notice of Foreclosure letter. They have not updated our mortgage statement all year including the last XXXX cashier 's checks paid. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

I have disputed with my auto loan company due to late payments and them being revised due to XXXX XXXX. I have written letters to this company disputing that all my payments have reflected differently with all 3 credit bureaus. I have given them 15 calendar days to resolve these issues but no response. I have called this company numerous times asking for extensions in the years of XXXX and although they were offering XXXX XXXX options I was not able to obtain help due to not having an amount of funds available.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( XXXX ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

fictitious nomen and mailing location and accounts not associated to social security nor did I give any authorization