23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I incurred debt on a WalMart Mast Card. I have financial difficulties and XXXX XXXX XXXX , XXXX set up 6 months of payments at {$150.00} per moth for 48 months. They made me do this via automatic withdrawal from my bank account. I have to re-set this up every 6 months with new check numbers. Last month they took the {$150.00} with chk # XXXX. Then 3 days later they took another {$150.00} without my permission from WalMart ACH online. I repeat, I did not do anything online. I called my bank and filled out a form and I got my {$150.00} back. Now for this months payment on XX/XX/XXXX they took out {$150.00} again and it says WalMart MC ACH. There was no Chk # XXXX. So yesterday, I called the number given to me and after speaking with XXXX people I was told that my amount due was paid in full for this month and it should be fine. So, today I went online to my bank and saw that I was charged {$30.00} for NSF because they tried to take out another {$150.00}. After a long conversation with my bank. I decided to go ahead and pay ( the bank ) {$20.00} to stop them from trying to take Chk # XXXX again and another {$20.00} to stop future WalMart MC ACH withdrawals. I then called The WalMart MC Customer service number on the letter I get each month. and all the girl kept saying was that I was not enrolled in their automatic withdrawal. I then was transferred to another guy and I explained this all over again and he eventually put me on hold for a while. While on hold, the phone was picked up at two different times and they ended up hanging up on me! I am very frustrated. Each and every time I call they say that it is recorded for debt collection purposes. Is there some way I can be helped. I do not want to pay extra money that I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student affiliated loan that is governed by XXXX. I understand that XXXX is either going through a huge class action lawsuit and or it is or has completed the class action lawsuit. I was contacted several times by representatives informing me and assuring me to go into a forbearance status so that they could offer me steps to have my loan removed and or reduced. During the conversations which took place in XXXX, XXXX and in XXXX, I continued to make payments but was always sidetracked into the amounts and the possibilities of having my loans reduced and or removed. While trying to focus and manage these loan conditions, some payments were either missed and or fraudulently reported to the three credit bureaus. Currently I am on a forbearance again and I have to contact a representative to provide certain information to XXXX so that they can lower my payments. I believe that I am a victim of fraud and corruption with this company.
Product: Debt collection

I was a victim of XXXX XXXX and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage.
Product: Credit card or prepaid card

After I opened master card I used it only few times and then paid it off. I received bill six months later stating with a credit limit of {$300.00} I had a balance of {$500.00}. I disputed transactions and said that I am not able to find card and that I didn't use it for six month. 
After a month they send me exactly the same bill. Considering that I don't have access online this makes the whole process very difficult.
Product: Credit reporting or other personal consumer reports

I have recently moved to new address. Its been more than 3 months. Still my credit report showing wrong address. 

Kindly request you to update below address in all XXXX major credit bureau. 

New Address : XXXX XXXX XXXX XXXX NJ XXXX I am also attaching supporting documents as Proof of Residency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted with Performance Settlement, a Debt Relief Services company, to negotiate with my credit card companies and personal loan companies to settle my accounts for lower amounts. However, over the span of 2+ years, I paid them over {$7000.00} and Performance Settlement has not settled any of my account. They send me letters telling me the accounts were settled, however, when I contacted the companies all 4 said they had not received the payments as Performance Settlement informed me. In one case, PS debited my account {$640.00}. and paid into someone's account. All documentation is attached. Initially, I attempted to resolved the issue directly with PS. All I received was 'stonewalling ''. Then on XX/XX/XXXX, I contacted the XXXX. PS gave a feeble, inaccurate reply, which I countered every point. Although, PS is an active member of the XXXX and is required to reply to consumer complaints, the XXXX   has not been able to get another reply from Performance Settlement. The XXXX   referred me to you for assistance. Their website offers a 'money back guarantee ' if one is not happy with their services. PS should stop operating a sham and return my money. {$7000.00} is a lot of money to waste if someone is trying to get out of debt like myself.
Product: Money transfer, virtual currency, or money service

My concerns regarding Zelle handling disputes. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. The lack of accountability and transparency was unacceptable and raise serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cashapp ( Block , Inc ). Due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Futhermore, their dispute resolution process was unfair and deceptive as the did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Debt collection

I had taken a loan with one main and they had to secure it with my truck which is no longer valued at what they valued. I had asked if they could release lien so i could have title and the debt would be unsecured so i can negotiate debt with a credit counseling group and was refused
Product: Checking or savings account

XX/XX/23 - Account opened online and {$65000.00} transferred to the account. POA paperwork will be needed for this account and an ( incorrect ) mailing address was provided for that purpose. POA paperwork sent via the USPS. 

XX/XX/23 - The next day, online access to the account is " temporarily locked '' - i.e., no access to the {$65000.00} in the account. 

XX/XX/23 - Called customer service to unlock account. They respond that it will not be possible until POA paperwork is received. I am asked to wait longer. 

XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting. The account can not be unlocked until the POA paperwork is received. 

XX/XX/23 - Account remains locked. Again, I call customer service and am told to continue waiting. 

XX/XX/23 - Account remains locked ( now a full 3 weeks since the POA paperwork was submitted ). " XXXX '' in customer service now tells me that the address I was given to submit the POA paperwork was incorrect. She's " sorry '' and " it can take weeks for the paperwork to find its way to the correct location ''. I request and am given the correct mailing address for the POA paperwork. 

XX/XX/23 - Account remains locked and no funds are accessible. POA paperwork is resubmitted to the correct address ( XXXX XXXX XXXX XXXX, PA XXXX ). Mail is sent certified this time. 

XX/XX/23 - POA paperwork is received and signed for by a representative of Goldman Sachs at XXXX XXXX 

XX/XX/23 - Account remains locked and no funds are accessible. Again, customer service is called. The initial representative is no help as she recounts the correct mailing address, etc. I ask to speak to a supervisor. 

I speak to " XXXX ''. She tells me ( after a lengthy hold ) that Goldman Sachs does not have the POA paperwork yet- this despite my going over the contradictory information, tracking number of the mail, date delivered. At first I am told that it can take 2-3 business days for them to process the paperwork ; however, when I point out that it has now been 3 days that the paperwork has been in their hands, I am again told that this can take " weeks ''. 

I ask to speak to her supervisor and am told there is NO ONE over her who will talk to me on the phone. 

I ask to submit an escalation and receive a return call from someone who can help me get the account unlocked. She agrees to submit the escalation request, but she reminds me that it will only be a supervisor " like her '' who calls me back and they " won't be able to help me either ''. 

I ask XXXX to put it in the notes that I intend to file a complaint with CFPB as these " locked '' funds will be needed to pay bills next week and if that does not occur, penalties and/or other harm will occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried for Auto Loan in the month of XXXX received in correct or completely controversial or denial from most of the Credit union. The Credit Union did not update my personal information or lack of my information in their data base. This is due to the Credit Union anticipate / pay XXXX $ each month to update my information or might be provided in appropriate information about my Credit-ability. This Approach from all the Credit union made me fatigue because I have been paying my Credit card payments, Auto Loan and other Utility Bills in time without default even after voluntarily contact some of the Credit union like Equi-fax, XXXX XXXX did not provide right Credit ability or the report varies from one Credit union to others. At last Equi-Fax provided me a report that shows I am victim of identity theft and hence agencies place " fraud alerts '' in my file Who is responsible for this? Now a days there are significantly increasing Cyber Crime and could you please investigate on my behalf and take Stringent Action against the Fraudulent who theft my Personal information.
I hereby Authorize to take necessary Action against Fraudulent.
Product: Debt collection

I received a call today, XX/XX/XXXX, from XXXX ID # XXXX at Credit Corp Solutions call came from phone # XXXX at XXXX. XXXX stated I had {$27.00} outstanding balance that XXXX XXXX paid but couldnt tell me who they paid it to or what it was for, he gave me a date of XX/XX/XXXX that XXXX sent it to them for collection but couldnt tell me what date the {$27.00} was from, he gave me a XXXX reference # XXXX then XXXX transferred me to XXXX, she gave me the same statement but added they sent me a letter in XX/XX/XXXX to an address I havent lived at since XXXX, she told me its my responsibility to prove I didnt get the letter??? Makes no sense. I informed her I was contacting you, she informed me this will be put on my credit report and it will ruin my credit. I do not have a XXXX account and never did. I am also a victim of identity theft that started in XXXX and has to this day keeps going.
Product: Mortgage

We have a mortgage with Midland Mortgage. Three years ago ( XXXX ) my husband was on FMLA and we began getting behind, he got back to work and a garnishment ( we did not know about garnishment it was sent to XXXX and we live in XXXX ), we contacted Midland to ask for a loan modification or refinance. They suggested loan modification. We filled out all requested paperwork, application, and submitted all documentation. We were told 15-30 days we would know something. Every week or so, we would get a call or email stating they did not receive this documentation or that documentation, so we would send again. Then with in a week or so, another request for a piece of documentation they didn't get. This would go on until all documents previously submitted were out of date and we would have to start the application all over again. This has been going on since last part of XXXX. Last time they could not read a date, I spoke with someone in the foreclosure department and they stated they had all required documents ( XX/XX/XXXX ) and a decision would be made within two weeks. I just received an email stating all documents had expired! I believe this is the third time on one application that this has happened! 
We called on XX/XX/XXXX and were told they had all they needed and should be reaching a decision soon. On XX/XX/XXXX, I receive an email stating that all documents had expired! 
We continue to make payments and they are charging late fees and having us jump thru hoops! PLEASE HELP!
Product: Debt collection

In accordance with the provisions set forth by the Fair Credit Reporting Act ( FCRA ), a critical legislation enacted to safeguard the rights of American consumers regarding credit bureaus, I hereby initiate a formal dispute concerning the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have identified certain discrepancies and concerns pertaining to the reporting of this account. Specifically, the status of " Charge-off 'XXXX and the associated payment history do not accurately reflect my understanding of the account 's activity. Furthermore, the reported balance appears to be inconsistent with the provided credit limit. 

I would like to remind Equifax of the stipulations within the FCRA, notably : 15 U.S.C 1681 Section 602 A : This section highlights my right to privacy and the necessity of accurate credit reporting.

15 U.S.C 1681 Section 604 A Section 2 : This provision outlines that a consumer reporting agency can not furnish an account without obtaining my written instructions.

15 U.S.C 1692C : This clause emphasizes the requirement of my prior consent for any communication from a debt collector. 
In light of these legal provisions and the disparities identified within the account reporting, I am formally requesting a thorough investigation into this matter. I expect that Equifax will diligently address the discrepancies, rectify the inaccuracies, and ensure the compliance of the reported information with the principles outlined in the FCRA. 

Furthermore, I assert my right to terminate any communication tactics related to this account. I expect that no further communication attempts will be made by any involved parties, including debt collectors.

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your dedicated efforts to address this dispute and uphold accurate and equitable credit reporting. Thank you for your cooperation and adherence to the fundamental principles of the FCRA.
Product: Checking or savings account

XX/XX/2023 current bank closed my account I have funds in my account I have been emailing them for a whole month now & no response about the funds in my account & when will I get a check for my funds? I know for a facts the refunds have been sent to that account and they will not & have not responded or reach back out to about my money
Product: Credit card or prepaid card

I did a credit card transfer to HSBC several months ago to take advantage of 0 % interest for X number of months. I was given a {$5500.00} limit which is far below what I get with other banks given the money I have and my good credit in the past. 

Recently, I made charges that went roughly $ XXXX {$200.00}, beyond the limit. I do not keep track of what I owe because I have plenty of money. This is my only debt!!!! I could pay this off today if I wanted but I need some credit. 

When I went over the {$5500.00} in spending HSBC NEVER DECLINED THE SALE!!!! When I spoke with XXXX at XXXX ( collections ) she told me it was my responsibility to know how much I owed, hence saying it was my fault this happened. 

NOW MY XXXX  SCORE IS DOWN TO XXXX. This is unacceptable!!! HSBC took my money then punished me for it. I am seeking employment and this will cause a problem. With my next payment I will be within {$30.00} of my credit limit. Again, I COULD PAY THIS OFF TOMORROW BUT I NEED CREDIT and given the trying times I am not going to pay this off but I might transfer it elsewhere given the treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Hard inquiries was not authorized according to consumer law 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter These Hard inquiries listed below were unauthorized : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is a complaint under the Fair Credit Reporting Act, The Identity Theft and Assumption Deterrence Act of 1998, and the California Penal Code, Section 530.8. The company named in this complaint received a copy of the identity theft report ( see attached ) from XXXX XXXX, a legal resident of California XXXX see attached license ). The company was asked to provide proof of debt and charges in XX/XX/XXXX. Under California Penal Code, the company had 10 days to respond with the information requested as Section 530.8 ( a ) of the California Penal Code states, in relevant part : [ i ] f a person discovers that an application in his or her name for a... credit card... has been filed with any person or entity by an unauthorized person, or that an account in his or her name has been opened with a bank... by an unauthorized person then, upon presenting to the person or entity with which the application was filed or the account was opened a copy of a police report prepared pursuant to Section 530.6 and identifying information in the categories of information that the unauthorized person used to complete the application or to open the account, the person, shall be entitled to receive information related to the application or account, including a copy of the unauthorized persons application or application information and a record of transactions or charges associated with the application or account.

The company provided statements that claimed an amount owed but failed to provide signed applications and details about who signed the charges or other information about the charges that appeared on the statements. This is a violation of California penal code and XXXX XXXX is entitled to relief of approximately {$22000.00} currently an amount that is increasing by {$100.00} per day of noncompliance per the California Penal Code ( 530.8 ( d ) ( 2 ) ) a prevailing plaintiff to recover damages, injunctive relief or other equitable relief, and a penalty of XXXX XXXX dollars ( {$100.00} ) per day of noncompliance.... Penal Code 530.8 ( d ) ( 2 ).
Product: Vehicle loan or lease

I purchased a vehicle through the dealership vroom on XXXX. XXXX does not have the tittle to this vehicle and i am actively trying to resolve that issue. In the mean time this vehicle has been unregistered and such un driveable for months. I had put XXXX XXXX down and only financed this vehicle to help cover the registration costs. My problem now is with the finance company. Since they have no tittle either. They are not legally a lein holder on this vehicle. The contract is incomplete and they have no right to be charging me payments and interest on something i have yet to receive. The finance company is Santander consumer USA. I have been in contact with them numerous times over the past several months and they have been of zero help in this situation. I have been told there is no time limit on how long they can take to complete the paperwork of the loan. I did inform them that Florida has a 60 day time limit for such scenarios. Theyre only resolution they have given me i was told its completely up to you if you want to make the payments which is extremely unprofessional but also false. I will continue to be charged interest until they take the vehicle and keep my money if I dont make the payments. I have since demanded that Santander puts a pause on my loan and stops charging me payments and interest until this is resolved. Unfortunately they are unwilling to help what so ever. At this point i demand a full refund of all payments and interest i have been charged until this problem is resolved as i feel they have no legal right to charge me anything until we can figure out who the legal owner of this truck is and they can be listed legally on the tittle as the lein holder. I would also like to add that i can email copys of the contracts of this vehicle and the paperwork i have received from the Florida XXXX regarding theyre investigation into this problem as these documents are to big to be uploaded on the initial filing of this complaint on this website.
Product: Debt collection

Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations.
Product: Debt collection

I have no affiliations with the National Credit Systems, so they must herein provide a true and certified copy of the complete audit trail of said account. Furthermore, to validate the debt, please provide verification through audit certification of debt entry in accordance with g.a.a.p., i.f.r.s., in accordance with basel 3 accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your Tax Registration certificate! I also request that all documents sent via U.S.P.S.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX