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

On XX/XX/year> {$4500.00} was wired from my business checking account WSFS bank XXXX XXXX XXXX XXXX XXXX 's bank account with XXXX  XXXX XXXX. The wire was made to purchase XXXX XXXX. Since the beneficiary, XXXX XXXX XXXX claimed money was not received, I requested XXXX to recall the wired amount. The staff at XXXX tried their best to help me. First by issuing a recall. Next by escalating it with the intermediary bank. The intermediary bank was really frustrating the XXXX staff as they will not pick up calls or act fast. It took more than XXXX months for the intermediary bank ( XXXX XXXX ) to recall and respond. Finally they are saying La XXXX XXXX refused recall as they needed beneficiary approval. Now, I have {$4500.00} stuck in XXXX XXXX XXXX that I am not able to get back.
Product: Debt collection

On XXXX XXXX I received a letter from American Medical Collection Agency ( AMCA ) regarding a debt with XXXX XXXX. We sent them notice disputing the debt, stating " I 'm writing in dispute of this account PIN XXXX, please validate this account and send proof of validation, including proof that your client has billed the proper insurance company that it was provided at the time of service and not an insurance company for which it was not provided information for. " On XXXX XXXX we received a letter stating they had received our notice, and still continued to pursue the debt without ever having verified it. 

They have since sent XXXX letters demanding payment for a debt we do not owe and have refused to verify the debt, because if they did they would see the debt has a {$0.00} balance with the XXXX XXXX. 

On XXXX XXXX, XXXX XXXX representative XXXX XXXX said she had contacted AMCA to inform them that they had failed to properly bill the Insurance Company and that due to a glitch in their systems they had failed to bill and would alert AMCA. 

Their latest letter on XXXX XXXX states that we have neither paid the invoice or disputed the validity of the debt, which we did on XXXX XXXX, 2015 and they acknowledged this in their letter sent XX/XX/XXXX. 

We look forward to you helping us resolve this debt collector continuing to violate the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. Thank you. 
XXXX XXXXXXXX XXXX
Product: Credit card

On XX/XX/XXXX, I wanted to purchase a {$700.00} gift card at XXXX XXXX XXXXXXXX XXXX XXXXXXXX in XXXX and the card was swapped. However, I was told the maximum is {$500.00} for a gift card and {$700.00} exceed the cap so the transaction did not go through. However I was charged {$700.00}, I disputed this amount with Chase bank, but the bank denied and told me to deal with store by myself. I reached out to the store, employees in the store told me the maximum of gift card amount purchased by credit card is {$500.00}, and the manager request my bank statement and said she would submit to the Corporation in XX/XX/XXXX, I didnt receive any feedback nor my money back. Chase still didn't refund my money. 

ASAP XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX  Equifax didnt remove late payments
Product: Mortgage

I am the spouse of a Veteran. My husband abandoned his home in XXXX XXXX. The house is in his name. I am still residing in the home. During the pandemic we were put on a 12 month program for the payments my husband had authorized me to talk to them then. Now when I reached out to them they are saying they don't have the authorization from him this is a lie. They are refusing to give me any information on the loan or even tell me what the amount is to pay. I want to keep the home but if they are not going to communicate with me the house is subject to foreclosure! That means I will be homeless. I have not spoken to my husband since he left or have I seen him. Also I have programs and resources to help me with the payments but again they are refusing to speak with me on this matter. I was told by one party to fax in a letter saying when he left and then they would further assist me but then when I called back to make sure I had the right fax number they said whoever gave me that information was incorrect and they couldn't discuss anything with me two different rules. I am trying to keep my home at this point I have no other choice but to go through the court system which I wasn't ready to do but I don't want to lose my home either. I need help resolving this issue.
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 XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian, XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XX/XX/XXXX Experian, XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Experian, XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXperian, XXXX XX/XX/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: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( 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 Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I am a 1XXXX XXXX XXXX XXXX and was granted XXXX XXXX XXXX XXXXXXXX. My loans with Navient were discharged, FFEL {$7500.00} FFEL {$27000.00} Now Navient is send me bills for another loan for the amount of {$4500.00}. 
It is under a different account number and has a different SSN attached to it. 

When I called Navient they had me try to log into my account and it showed a balance of {$0.00}. So they had me type in a different SSN and it showed with my name attached to it.

So the account has my name but a different account number and SSN, but refuse to remove me from it. They said I have to pay it even after I told them I was approved for XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am addressing several violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted me. These violations include accepting inaccurate credit information about me, failing to disclose my right to opt out of sharing personal information, and furnishing deceptive or inaccurate reports without proper validation. Additionally, Ive experienced unauthorized reporting of " late payments, '' failure to determine accurate finance charges, and reporting of information without my written consent. 

Debt collection agencies have also disclosed my information improperly, leading to unauthorized third-party contacts. These practices violate my rights under the FCRA, the Debt Collection Practices Act, and other federal regulations. As a result, Ive endured unnecessary harassment and distress. 

To address these issues, I have demanded that inaccurate personal information, accounts, and inquiries be removed from my credit report immediately. If these items can not be validated, I have requested they be updated as " paid as agreed '' or deleted entirely. If these violations are not resolved promptly, I am prepared to pursue legal remedies as outlined under U.S. Code laws, including civil liability for willful and negligent noncompliance.
Product: Mortgage

I have been with PNC mortgage company since XX/XX/XXXX. The property is located in a town were USPS is not available all correspondence needs to go to a P.O. BOX. The mortgage company failed to inform me that my property taxes went up. I make mortgage payments trough my bank never been late since XX/XX/XXXX, The say since taxes went up they received my payments in a suspense account, reported we were making no payments to credit bureaus and ruin my credit, initiate foreclosure procedures and decided with out my authorization to do a loan modification. I found out because I was trying to apply for a 15 year refinancing that they were reporting me late. I lost the opportunity to refinance because of them! I call them and they argue they attempted to call me for a year, for some reason they had my internet phone number ( I only use my cell phone number ), they say they sent mail to the physical address but We do not receive mail to physical address because there is no mail in this town only P.O. BOX, they do not have proof they stamp a notice in my door, they did not e mail. They fail to provide any proof that they attempted to contact me for this problem. I have correspondence from them to my p.o. box and e mail for other issues. I have been with PNC since XX/XX/XXXXor before, every time We call them they verify our information so there is no excuse for them to argue they can not find us, we have Same phone number at list 12 or more years, p.o. box, e mail since XX/XX/XXXX, nothing have changed, they did a refinancing in XX/XX/XXXXand they sure had our information then, around XX/XX/XXXX we call them because the payment was late 1 day and they did confirm the information then. I want them to return everything back to my original loan, they are trying to convince me to accept the modification I did not authorized, I ALREADY TOLD THEM NO, I am not willing to modify my loan, start again and pay all late fees, administrative fees and all other trash fees they are trying to add to my loan. The WORST is that they decide for me to modify my loan, started the trial period and dispose of my payments WITH OUT MY AUTHORIZATION!
Product: Bank account or service

Suntrust bank created a situation where they forced an over draft coverage on an account that has no over draft coverage. I reminded the bank that there is no overdraft coverage on the account and that federal law prohibited over-drafting with out the consent of the customer. I have never given my consent for overdraft coverage, and was clear, that if I do not have available funds in the account, then decline the transaction for insufficient funds. Suntrust runs algorithms on the account to create overdrafts and then manufacture debt. This is a clear violation of the federal law. 
On Friday the XXXX of XXXX after XXXX there was a positive balance. However on Monday the XXXX the bank is claiming that an over draft occurred and I was penalized for it. 
The facts are the bank manufactured the debt by providing overdraft coverage when non existed. The provided overdraft for XXXX debit transactions, 1 ) for XXXX and 2 ) for XXXX, when the transactions should have been declined for insufficient funds. That would have left enough of a balance to cover the internal transfer and alerted me of a low balance so that I could have transferred more money into the account. 

By applying overdraft coverage on an account that had no such coverage Suntrust created a negative balance then fined me for being unable to make a XXXX dollar internal transfer as is the practice of the bank to do on the XXXX of the month. Suntrust created a debt where non existed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash App ( Block , Inc. ) due to inadequate costumer 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: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft EXETER FIN Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate through Attorneys to resolve the inaccurate information on my credit report with XXXX XXXX XXXX. and XXXX XXXX. XXXX XXXX agreed to correct the inaccurate amounts owed and remove the negative reporting of Three ( 3 ) XXXX XXXX/ XXXX XXXX accounts from my credit report, once the accurate amount was paid. I agreed and paid the accurate amounts. XXXX XXXX/ XXXX XXXX reneged on our agreement and continued to allow the inaccurate information to be reported by XXXX XXXX and XXXX XXXX  companies, which consisted of duplicate accounts with different account numbers. 

1. ) XXXX XXXX XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account reference # ending XXXX. 
I paid {$260.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Full Letters Provided*** 2. ) XXXX is a agency assigned by XXXX XXXX and XXXX XXXX  to handle this account # XXXX. 
I paid {$200.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided*** 3.XXXX is a agency assigned by XXXX XXXX and XXXX XXXX to handle this account # XXXX. 
I paid {$130.00} dollars to accurately resolve and ( Pay in Full ) this account on XX/XX/XXXX. 
***Paid in Letters Provided***
Product: Mortgage

I purchased and financed my home XX/XX/XXXX with SWBC. The company has been less than forthcoming about how my Escrow account is maintained. I deposit Taxes and Insurance along with the Principal and Interest to the account since inception. Currently they have decided that my account is short and my payment is now almost {$1000.00} more a month for what I believe is due to mistakes this company has made during the short length of my loan. I'm XXXX XXXX XXXX, still have to work, but am on a fixed income. was informed of this increase the month before it was due to increase. 

I have sent much correspondence since XXXX, XXXX to SWBC with convoluted responses and no one addressing my real concerns about mishandling of my funds. 

I am also attaching the back and forth messages between myself and the many responders from SWBC
Product: Credit reporting or other personal consumer reports

Legal Department : Recently, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well.

As you know, all incorrect and inaccurate information MUST be IMMEDIATELY REMOVED from my credit report.

I attempted to contact the below creditor listed below and received NO response to my request. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information within 30 days upon request or release the invalidated debt information from my credit report. I am including PROOF that each creditor received the notification more than 30 days ago and DID NOT respond nor did they remove the item ( s ) listed on my credit report. 

Account Name : XXXXXXXX XXXX Type : Revolving - Account : XXXX I attempted to verify this debt and received NO RESPONSE from the above company ( see attached proof of this verification. ) According to FEDERAL LAW, this creditor had 30 days from the date of my request to validate the debt and they failed to provide any information concerning this debt. This debt is NOT mine and needs to be removed immediately from my credit report. 

On XX/XX/2024, XXXX removed the above mentioned account accordingly per my request. 

Transunion and XXXX should please follow suit as reporting this account is against federal law.
Product: Mortgage

my mortgage servicer did not pay my taxes and escrow money for a year and now I got to pay it with my mortgage payment in which I am struggling to pay this because of the double amount I have to pay.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX account number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, Please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Product: Money transfer, virtual currency, or money service

Settlement for sale of XXXX shares of XXXXs was completed on XX/XX/XXXX for a net total of XXXX. 

Wire transfer from HSBC bank to XXXX XXXX XXXX XXXX  account initiated on XX/XX/XXXX but amount has not been received. 

Multiple calls to XXXX XXXX XXXX and HSBC initiated between XX/XX/XXXX and XX/XX/XXXX yielded zero new information or retrieval of funds.
Product: Credit reporting or other personal consumer reports

Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) XXXX have attached copies of my identification and any relevant documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally submitting my CFPB complaint for the removal of fraudulent items in my credit file. I am not satisfied of my previous report as I found out. The fraudulent items listed still remain on my credit report in violation of Federal Law. The credit bureaus failed to comply with within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Based on my FCRA Section 605b, the credit bureaus are obliged to remove such fraudulent information in my credit file. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. The following items should be remove right away : XXXX XXXX XXXX, XXXX FALLS, XXXX XXXX XXXX, XXXX XXXX, L XXXX Balance : $ XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance : $ XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX BANK XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX  ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance : $ XXXX XX/XX/XXXX, XXXX K XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

I DO NOT OWE DEBT. DEBT HAS BEEN REMOVED MANY TIMES FROM ALL OF MY FILES, BUT SUDDENLY REAPPEARED.
Product: Credit card or prepaid card

I filed a CFPB complain to POPULAR CREDIT SERVICES on XX/XX/2021 ( Complain ID : XXXX ) regarding the charge of annual fee to the credit card after the account was closed. POPULAR CREDIT SERVICES responded to the complain on XX/XX/2021 confirming that the account as been closed and I will receive a credit for the pending balance related to the annual fee ( please see case XXXX for detailed response from the company ). However, POPULAR CREDIT SERVICES never credit my account to zero out the annual fee ( {$140.00} ) as it stated. As a result, my account is now considered delinquent ( even after closure ) and has been incurring late charges and interest charges, and this has been reported to the credit bureau which affected my credit score significantly!
Product: Student loan

I am writing to formally file a complaint regarding the unauthorized access and potential breach of my Personally Identifiable Information ( PII ) and student loan information by the Department of Government Efficiency ( DOGE ). This incident took place around or before XX/XX/XXXX. I believe this constitutes a violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Privacy Act of 1974.

It has come to my attention that DOGE has acquired my PII and student loan information from the Department of Education ( ED ) without my authorization. This information may include, but is not limited to : - My full name, address, and contact information.

- My Social Security Number ( SSN ). 
- Details of my federal student loans, including loan balances and repayment status. 

This issue was reported in the media, but there has been a lack of transparency regarding the extent of the data accessed and the specific individuals affected. I am deeply concerned about the potential misuse of my sensitive information and the harm this breach may cause, including identity theft, financial fraud, and emotional distress. I've filed a complaint with the SPPO, FSA, CFPB, and will continue to file others in attempt to stop any further violations of my privacy.

While I do not have complete details about the breach, I am including the following information to assist in your investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX