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

On XX/XX/XXXX, I contacted the company because attempts to withdraw my funds kept failing over the previous couple of weeks. I tried online ( from laptop ) and by mobile app on my phone and tablet. They requested exact error messages and screenshots. I provided them. On XX/XX/XXXX, I received an email from the help desk stating that my problem would now be escalated to their specialized team. On XX/XX/XXXX, I still hadnt hear from them, so I emailed again to inquire. They responded by asking me for the screenshots of the error message. I sent them again. The next day, they contacted me to ask if Id seen their previous email requesting screenshots. I sent them a third time. On XX/XX/XXXX, I reached out to them and asked if they would just mail me a check. On XX/XX/XXXX, they responded by apologizing for the inconvenience and assuring me that they were taking steps to prevent it in the future. They never addressed my request for payment by check. On XX/XX/XXXX, I received an email stating that they were working on it and blamed the delay on the migration process to their new banking system. On XX/XX/XXXX, since I had t heard from them in more than XXXX weeks, I sent an email telling them that I was out of patience and to just send me a check. I didnt get a response. Today, XX/XX/XXXX, I got a pop up notification telling me to log into their app. I did and got a message : your debit card has been verified. I tried to withdraw again and got the same error message. I just want my money. Ive been trying to get it for about 3 months this now.
Product: Debt collection

Took money out of my account after being told to do so by  XXXX   XXXX  @  XXXX   XXXX   XXXX  ... .I purchase  XXXX  Gift Cards I the following amounts {$1400.00}  XXXX   XXXX   2017  and  XXXX   XXXX   XXXX   2017  ... Received phone call fro m JPMorgan ( CHASE ) Bank stating that one of the was Forgery {$1400.00} and the other one {$1900.00} had possible bad signatur e.Both checks where drawn on the   XXXX    XXXX   XXXX  ..I was  further told that both checks where being return to my account I should have them  in 7 to 10 days ... ..I was given a bad attitude from my local bank so I called Chase Forger y Department @  XXXX  and was given the same response as the local bank..I further contacted  XXXX  Police was given Case #  XXXX   XXXX   XXXX  2017..
Product: Debt collection

I received a notification from XXXX, XXXX, Equifax that collection from XXXX XXXX XXXX XXXXXXXX XXXX XXXX for the amount of {$140.00}. 
I have sent out a 609 letter which is a debt verification letter to the company and I have received no response in 60 days. Furthermore, the collection is showing as an open account on my credit, this is a direct violation of Fair Credit Reporting Act. 
I am therefore exercising my right under FCPA to XXXX, XXXX and Equifax to delete collection immediately or I will be suing within 30 days.
Product: Debt or credit management

This company told me I needed to have a professional with my case and charged me {$1200.00} and told me 12-20 months for the discharge of my loans. They agreed to assist me until the loans were discharged but it appears that the company has closed and my case is still pending. 

This company is Allied Financial Services-XXXX XXXX XXXX There was also another company called XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit report is not mine. I am officially disputing the fraudulent information and requested an immediate investigation. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/2020, XX/XX/2020, XX/XX/XXXX, XX/XX/2020, XX/XX/2020 Lakeview Loan Servicing llc Contacted me By Leaving XXXX XXXX At My Front Door, After My Repeated Request to Stop Sending  Packages to me. I am unsure if it is a Marketing Strategy or an  attempt to colllect a debt that I do Not owe. I want the XXXX Packages to STOP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act convergent account XXXX XXXX XXXXXXXX CLIENT ACCOUNT NUMBER # XXXX XXXX  ACCOUNT NUMBER # 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 166b A Creditor MAY NOT treat a payment on credit account under an open and consumer credit plan as late any reason.
Product: Credit reporting or other personal consumer reports

I reached out to the Bankruptcy courts in writing asking them do they verify information about bankruptcy cases. They sent a letter to me stating that they do not verify information. I contacted XXXX with this information and let them know that the courts are stating that they do not report any bankruptcies. I sent copies of the letter from the courts and asked that this information be removed from my credit report. I am attaching the letters that were sent. On XX/XX/10 I contacted Experian by phone because I put in a dispute and they responded that the bankruptcy had been verified. I spoke with a customer service rep by the name of XXXX and asked who did they speak to at the courts, because according to the courts they do no verify information over the phone. He went on to say that they did speak with someone with the courts and with XXXX XXXX and the bankruptcy was verified. He never gave me the name of who he spoke with at the courts, the date, the time, nor did he provide with the phone number he called, what documentation he had to verify that the information that he claimed was verified as accurate, this inaccurate reporting has caused me severe financial and emotional distress. At the end of the call with XXXX he asked me to send them a copy of the letter, which makes no sense to me because he claims that they spoke with someone from the courts and with XXXX XXXX which XXXX XXXX sent a letter to me stating that they had suppressed my file. I would like for XXXX XXXX to send me a letter stating that this information is no longer being reported and has been removed from their system. I also sent the same information XXXXXXXX XXXX XXXX. And for all three credit bureaus to delete this information from my credit report immediately
Product: Debt collection

Convergent Outsourcing a collection agency is attempting to collect an alleged debt for a cell phone carrier named XXXX. I have requested in writing that this collection agency provides document proof of this alleged debt and has failed to do so, but continues to send harassing letters to collect. They continue listing this alleged debt with XXXX and XXXX credit reporting agencies affecting my credit score.
Product: Credit card or prepaid card

I applied for a Verizon credit card, which is administered by Synchrony Bank. They declined my application, even though I have other credit cards through them and my credit is excellent. I provided them additional information. Date of application response is XX/XX/2023. I have sent them a written response via email.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Consumer Loan

XXXX has inaccurate info on my credit report from Avant Credit and has not removed it, my dispute was initially file XX/XX/2016. I had permission from Avant to miss one payment, then I had to re-sign a repayment agreement with them ( which they added {$1000.00} to the loan ) and it was supposed to remove any negative info. XXXX has corrected the info, XXXX has not and after being on hold with them twice for a total of 30 minutes today waiting to talk to a stat side supervisor ( which never happened ) I am filing a complaint. They show XXXX missed payments with a credit score of XXXX, XXXX score XXXX. I have already missed out on a job opportunity because of this and pay higher car insurance premiums. This needs to bbe corrected immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you to inform you that XXXX XXXX, any other credit agency reporting reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy Court of Virginia which is false I have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify or validate any information concerning bankruptcies XXXX XXXX is falsely stating this information on credit report. I also did not give them any information or permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

On XX/XX/18, I booked a hotel room with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, Florida for 2 nights. 

Unfortunately, due to the XXXX XXXX on the coast of XXXX XXXX at the time of my scheduled stay and exhaustive research of the conditions warranting voluntary evacuations of the area, it was no longer safe to travel to the area. 

On XX/XX/18, I spoke with someone at the XXXX XXXX number provided in my confirmation email about the conditions of the area. 

After conversation with her, it was in agreement that it was unsafe to travel to the area and, despite the original booking terms, my reservation would be canceled AND refunded. She entered a cancelation code she referred to as XXXX, which she stated was weather related. 

She stated I would receive an email letting me know my reservation was canceled, and no further actions were necessary on my part. I did have a witness, a member who would have been present for my reservation, on the line during this phone call. 

After several days with no monetary return from the XXXX company, I made another phone call. 

At this point, the person from the 1-800 number spoke with XXXX at the local hotel who stated she was in charge of the monetary return and she had made the decision not to return the funds. This person did inform me they had listened to my recorded call from XX/XX/18 and did, in fact, hear that I was told I would receive a refund. 

I decided to reach out to XXXX myself. She gave me the same information. She told me she made the personal decision to not return my funds based off of their cancelation policy. I told her I understand their policy however, the reason for cancelation was out of my hands and I was promised a refund. 

I was offered a credit for a future stay with them, but given their lack of professionalism, I have no desire to stay with an organization who has pocketed {$1000.00} of my hard-earned cash during a time when I am planning my wedding. This is unethical, and quite frankly, just wrong. I never stayed at their organization, therefore they have literally pocketed my money and I have received nothing but a headache and heartache. 

I have disputed this charge with my bank, Wells Fargo, who I have banked with for the past 15 years. After issuing me a provisional credit, they determined they could not help me and have since retracted the credit. 

I would like to think after doing business with a financial institution for 15 years, I could trust they would back me in an unfair situation such as this. 

Any guidance you may be able to offer so I can retrieve my hard-earned money in this unfair situation would be so greatly appreciated. 

Thank you in advance.
Product: Checking or savings account

In XXXX, I was a victim of fraud. A check was deposited into my USAA bank checking account that was under the name of " XXXX XXXX '' that I did not authorize. I worked extensively with USAA bank to resolve this issue and stressed that I was a victim of fraud. I was informed via postal mail that USAA due to difficulty in their banking relationship with me will no longer be able to provide services to me. I spoke to a representative today XX/XX/XXXX in the banking department by the name of XXXX who stated that the letter sent to me via postal mail on XX/XX/XXXX is not something that can be reversed once the bank sends out the letter. As a victim of fraud, I am being penalized by USAA for not being able to open an account or even have auto insurance even though I am a " member '' but not member enough to be able to have services. I am ostracized by an organization that is meant to help veteran families and for an episode that was not my fault. I have never had any issues with USAA regarding auto insurance or banking issues. I was banking with them previously from XXXX until XXXX and they left me as a XXXX  mother without insurance due to me being a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit report on XX/XX/2022 to find out that XXXX had placed a missed payment on my report. I was not aware of a missed payment being that I am away XXXX  working and my wife handles the payments while I am away. However recently my wife fell ill and had to have XXXX so I had to come home and tend to her but it was not communicated that she missed a payment. I did not receive notification of a missed payment nor a letter and was not given an opportunity to rectify this mishaps.However we moved back in XXXX of 2022 and my information has not been updated with XXXX, so if they sent correspondence, I have not received it. I called XXXX and explained to them what happened, and I was told that once I made another payment for XXXX which is not due until XX/XX/2022, they will remove the derogatory information off of my credit report. I think that is unfair and it is hurting my credit report and my job is affected by this. I was not given an opportunity to dispute this or correct it before it came to be a dispute.
Product: Money transfer, virtual currency, or money service

am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

We sold our home on XX/XX/XXXX. The payoff check was sent by the Lawyer 's office on XX/XX/XXXX and was received by PNC bank on XX/XX/XXXX. The money was cashed and cleared the account on XX/XX/XXXX. The lawyers office sent the invoice stating the account number, the address and our names for the payoff with the check. PNC bank did not place the funds in correct account that was given in the invoice. 
PNC called myself and my wife to let us know that they have not received our mortgage payment on XX/XX/XXXX and the payment would have been due on XX/XX/XXXX. We let them know that mortgage should be paid off and they should have received the check from the lawyers office. I then called the lawyers office to verify that everything was sent and they had proof that it was in fact sent and cashed. I then called PNC BANK on XX/XX/19 @ XXXX XXXX and spoke to a Representative who basically took down my information and told me they were going to put in a report to be done to try to find the money and that they would call me in 24 to 48 hours. I then told her that was not good enough and that they needed to transfer me to escalate this situation and that it was a large amount of money that was missing. I was then transferred to XXXX, a supervisor, and she was very condescending and told me that it would take 24 to 48 hours or longer to find the money. 
I was able to give her the check # and the correct amount and the date it was received. She also said that it was not her job to find the money, it was her job to put in a report. I then asked to speak to someone where it was their job to find the money and that I was not going to get off the phone unless they found the money, where it went and what account it was cashed. I was then transferred to XXXX in the escalation center where XXXX asked me what the issue was after being on the phone for almost an hour. I was very upset that they had blindly transferred me and didn't stay on the phone to clarify the issue. Once XXXX understood the issue she took down the information and gave me her personal fax number for the lawyers office to send the information that they have on file showing the check was received and cleared the account. XXXX then told me that there was nothing else she could do and that she was sending in a report for them to look into where the money had been received. I told her that I wanted to speak with the XXXX department ( where the check was received ) to find if they could look through the databases to find the check. 
She then told me could take up to 24 to 72 hours to find the money. I asked if I could speak to someone in the complaint department, she said they do not have a complaint department and that I could put in a call back for a supervisor to give me a call but that would take at least 24 to 48 hours. 

At this point, the XXXX payment is still showing as past due and it could effect my credit. I am completely unhappy that PNC did not seem concerned with my missing money and I had to escalate the problem twice. This could effect my credit and that is ALOT of money that is missing.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I filed a dispute with TransUnion regarding fraudulent accounts reported on my credit file, including XXXX XXXX, XXXX, and XXXX XXXX XXXXXXXX ( Account Nos. XXXX, XXXX, and XXXX ). Despite providing an FTC Identity Theft Report, TransUnion has failed to take corrective action as required under the Fair Credit Reporting Act ( FCRA ). These accounts were reported without my authorization, violating 15 USC 1681b, which limits consumer report disclosures to those with a permissible purpose. Additionally, these accounts appear only on my TransUnion credit report, while XXXX and XXXX have already REMOVED them or NEVER reported them, further proving the inaccuracy of TransUnions reporting. This discrepancy is a direct violation of 15 USC 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy. If TransUnion were in compliance with federal law, these accounts would have been deleted like they were with the other bureaus. Despite multiple disputes, TransUnion has ignored its legal obligations under 15 USC 1681i to conduct a proper reinvestigation and remove unverifiable accounts. The bureau has failed to provide any proof of my authorization, method of verification details, or supporting documentation linking these accounts to me. By continuing to report this inaccurate and fraudulent information, TransUnion is engaging in willful noncompliance, making it liable under 15 USC 1681n, which allows for statutory damages of up to {$1000.00} per violation. TransUnions failure to act is causing ongoing financial harm and violating my rights under federal law.
Product: Credit card

Someone is applying for credit cards under my name and address. Could be using my social security number as well. Someone has applied for a XXXX and Lowes credit cards under my name and address.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX for Repair Services in the amount of {$510.00} on XXXX XX/XX/2022 pulled from 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 account without my written instructions.