23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I made a purchase at XXXX using my netspend visa card ( prepaid debit ). XXXX service was poor and caused lots of confusion regarding payment and shipping. My account was fine and the money balance was sufficient. My account reflected that the total amount of the purchase was being held/pending. 

After no activity for a while I decided to check the account. Once checking I could see that XXXX somehow never took their money ( weeks later ). At the time my account was negative XXXX $ and some change. Netspend deducts their account fees and then takes the money when I direct deposit. 


My problem is that my account was already in the negative for weeks and from my understanding XXXX dollars is the negative limit for my prepaid account ... I did n't opt in for overdraft .... 

They gave me some story about 'force payment '' ... My point is I did n't have ANY MONEY in the account and it was already negative .... Y did they let my account go XXXX $ in the negative.. It 's pre paid card ... No money means no money ... 
Plus the rules that come with card says nothing about " forced payments '' and they said they had no paper work or inform for me about the " forced payment policy " XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting incorrect information on my report.
Product: Debt collection

Lockhart Morris & Montgomery contacted me abou a {$120.00} medical bill they received from XXXXXXXX XXXXl date of service XX/XX/XXXX. 

I thought the debt was resolved because I was referred over to the hospital from the Veterans Administration under their XXXX XXXX. They were to pay the bill. The hospital was billing me and I referred them to the VA. I also had the VA rep to reach out to billing department. After that I hadnt heard anything until 5 years later. 

XX/XX/XXXX. Once I received the letter I called and the woman said either pay or we will report you to the credit bureau. I told her I needed to contact XXXX VA because I thought it was paid. Only a few days after me receiving the letter and speaking to the woman I received an alert that a collection item was added to my XXXX XXXX account. 

I called XXXX XXXX and disputed it and they instantly removed it. Then I got an alert a few days later that it was reported to XXXX. So I disputed it again. 

Then on XX/XX/XXXX they lady from this company called me to say they received a dispute from XXXX and she wanted me to know that I still owe them the money. I dont even know these people. This is harrassment. 

First I thought this was resolved 5 years ago and these people seem desperate to collect before new laws go into effect beginning XX/XX/XXXX about medical debts under {$500.00} not being reportable. 

Again this is not my debt. I have good credit and do not have collections on it. They tried to ruin it to strongarm me into paying a bill that was billed incorrectly by the hospital.
Product: Mortgage

I originally talked with XXXX XXXX over the phone with Royal United Mortgage about details of a home equity loan from her company. They asked if it was ok to pull my credit report to proceed further. I told them not to pull my report because I had to buy a car this week. I told them they could call me back the following week to maybe to discuss further if I was ready to get more details of loans with my credit report. Then I saw my XXXX credit report showed XXXXRoyal United Mortgage pulled my credit report on XX/XX/year> without consent.
Product: Student loan

While attending XXXX XXXX in XXXX IN from XX/XX/XXXX-XX/XX/XXXX I was paying for my student loan ( Genesis Lending ) every month. It was hard enough working a part time job and going to school, plus paying for one of my student loans on top of that? Sure, I believed them that it was what had to be done to stay in the program, but I needed a job quick that would start out with decent pay. Is it the amount they told me I would start off at, of course not! I have now been in my field for over 6 years, out of XXXX students in my class I was XXXX of XXXX that actually got a job in what we went to school for. I also believe that I am over paying for my schooling. I would like to know what my next steps are to get relief from paying the rest of my student loans back since I have already OVERPAID what other schools such as XXXX XXXX are charging for the same program and with a degree or if I will be receiving any money back that I feel this school system legitimately stole from me. I feel that it is only the right thing to do to relieve me from paying off the rest of my loans through Genesis and XXXX XXXX. Plus, giving me back some money that I feel I deserve from putting up with this nonsense. It 's been nothing but a struggle trying to go back to school because NO ONE takes any credits from XXXX. If you ask me I 'm so ashamed and EMBARRASSED to say that I actually went to XXXX. XXXX promised that any accredited school would accept credits from there, shame on me for believing them. I feel I 'm very well qualified to continue with my education, but thanks to XXXX I literally have to start all over with everything. NO credits, NO degree, NOTHING. I feel as a student that attended XXXX I deserve something, whether that be relief of the rest of my loans or some kind of refund. All I have to say is what a JOKE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX Collection # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX Collection # 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
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 proces + 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
Product: Mortgage

I am currently going through a refinance with a lender. The title company for the refi alerted us that I owed property taxes, and that I would not be able to close until they are paid. I reached out to Amerihome to find out what is going on. 

XXXX County, MD given home owners a 1 % discount if property taxes are paid in full by XX/XX/XXXX of each year ( the most recent property tax bill is attached to show that XXXX, a 0.5 % discount if taxes are paid by XX/XX/XXXX of each year, no discounts if taxes are paid by XX/XX/XXXX. The County begins assessing penalties if taxes are paid after XX/XX/XXXX of each year. Taxes may be paid in full ( and must be paid in full to take advantage of the discount ), or semi annually - by the end of XXXX of each year for the first installment, and by the end of XXXX of each year for the second installment. 

On their website, Amerihome claims that payment for property taxes is " disbursed from your escrow account and sent to your taxing authority prior to the due date ( discount date, if applicable ). '' ( A copy of the print screen is attached ). I pulled by escrow history from Amerihome and it showed that the services never paid my property taxes by the discount date, meaning that I never took advantage of the discounts offered by my County, even though Amerihome on their own website state that they pay property taxes by the discount date.

I tried to get someone from Amerihome 's compliance department to contact me ( the helpdesk staff can not handle these issues, as I understood from talking on the phone with them ). I contacted Amerihome in writing about this, I called them about this issue as well. And no one has got back to me. 

And now Amerihome failed to pay this year 's taxes ( not even the first installment! ) by XX/XX/XXXX. ( Evidence attached ). The County is  now assessing penalties and fees, and my refi is in danger of not going though! I will likely have to pay my taxes out of pocket, even though the servicer has been collecting my escrow payments every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/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: Vehicle loan or lease

I purchased a new car in XX/XX/XXXX and the problem started with the dealer ship regarding the bank that was financing the car. After XXXX weeks of already having the new vehicle the dealership found a bank to finance our new vehicle and we were supposed to start paying at the beguiling of XX/XX/XXXX. 
Well the contract came with another date and the payments were supposed to start in XX/XX/XXXX, less than a month period and XXXX dollars was put upfront for the purchase .in the beginning of XX/XX/XXXX my partner had to be checked in in a mental facility loosing his income and my income wasnt enough to all the needs. 
Chrysler capital was contacted first to discuss the payment dates as well as to be aware of the financial difficulties I was encountering. They are very difficult to negotiate. On the XXXX of XX/XX/XXXX I was finally able to speak with a representative that told me the late payments would be deferred to the end of the contract and I gave my word I was going to start paying in XX/XX/XXXX ( I even programmed the payment ) but on the XXXX XX/XX/XXXX they took the car and as much as I call they refused to make arrangements with me and say they never said the late payments would be deferred to the end of the Contract. 
This is an absolute disaster. 
So I was communicating with the bank I was promised a negotiation and they take the car and now I need the full amount to get my car back. 
Without a car is impossible for me and my partner to live. Chrysler capital along with XXXX XXXX XXXX XXXX in XXXX NC are a night mare. 
I offered the bank to send my documents and the hospital records to proof was a difficult time and I promised a new payment plan that wasnt true. 
This is not unacceptable.
Product: Checking or savings account

I submitted a complaint in XX/XX/year> concerning BANK OF AMERICA and money missing from my acccount. My original claim # XXXX. 
I would like to give you an update. Right after they closed the case with you saying they were still working on it. They did send me a check for XXXX, however, No itemized listing, no explanation WITH THE CHECK. 
Over a month later I RECEIVED a letter telling me it was for 27 transactions, still nothing itemized. And that they were closing my case. 
I AM STILL MISSING about XXXX. 
The response I received concerning that has been " I gave someone permission to do the transactions that were done online '' ( used to open a XXXX account and XXXX account ). They claim to have documentation of this permission. However, they will not send me copies or show me proof. 
They have even gone as far as saying I owe them XXXX in overdraft fees. 
What? 
I have tried numerous times to speak to someone and, just like before, no one will talk to me, unless I wish to make payment arrangements. 
I can not believe that this is a single occurrence. How much money has this bank stolen from people and gotten away with doing it. This sounds like trivial amounts to them but to me they are quite hefty as I live on XXXX of less than XXXX a month. 
I know they are dragging their feet, hoping I will disapppear and let it drop or forget about it, but i can not. I had my wallet stolen. I am/was the victim to theft, by both the thief and then by Bank of America They admit no fault, but in my eyes the check for {$8800.00} was admission something went wrong and they were at fault. 
My account was insured and I am just asking to be made whole. 
{$4000.00} reinbursed to me plus the overdraft fees they say i owe them resolved. 
Thank you for all your help, XXXX XXXX XXXX cell XXXX email XXXX XXXX
Product: Credit reporting

I have an open account with XXXX XXXX, # XXXX. I have a XXXX balance, per the attached documents. Experian refuses to XXXX out the same. I am asking the balance be reported as XXXX.
Product: Vehicle loan or lease

This is an invalid vehicle loan. The contract was in complete, and, as a result the vehicle was returned to XXXX Hyundai on XX/XX/XXXX around XXXX PM and surrendered to XXXX XXXX XXXX I disputed with the credit bureaus that this account was invalid and Hyundai did not remove the account from my credit report and is still trying to collect on an invalid account. I called Hyundai Motor Finance on XX/XX/XXXX @ XXXX PM XXXX and explained the situation to the representative, XXXX, employee ID XXXX. He said that he had escalated my concerns to " XXXX XXXX '' and I would have a response within 3 business days. I called back today, XX/XX/XXXX and a lady put me on hold for approximately 20 minutes at which point I was disconnected. I am now looking to the CFPB to assist in getting this matter resolved. This is NOT a valid loan, there was no valid contract, the dealer has been in possession of the vehicle for over a month at this point and has refunded my down payment and returned the vehicle I originally traded in to them. This account is now falsely showing past due and I would like it removed before I have incorrect negative credit reporting to deal with on top of everything else.
Product: Credit reporting or other personal consumer reports

I looked on my credit report and XXXX is reporting that my account is 120 days past due and the Experian is reflecting that my account is 180 days delinquent. This has caused me issues in securing credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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 XXXX XXXX XXXX XXXX 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 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

I would like to start off by saying I am a victim of identity and I have been since XXXX. I have had fraud prevention alerts on my credit that I have since removed but I try to monitor my credit as much as possible. On XX/XX/XXXX| noticed I had an account reporting on my credit that was not made by me or authorized by me. Once I noticed this fraudulent account on my credit profile. I disputed directly with the credit bureau Equifax and they continuously report this fraudulent account to my credit report. 

XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to these fraudulent accounts reporting on my credit report, it has caused a great deal of stress and financial hardship and has hindered me from moving forward with my personal business and livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts on my credit report that are not mine I dont know how they appeared on my credit report and why they are still there since XX/XX/XXXX and the bureaus are not responding back or answering back to me. I need these off my creit report. 

XXXX XXXX - Acct # XXXX Amt $ - XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$9700.00} XXXX XXXX XXXX  - Acct # XXXX Amt {$0.00} XXXX XXXX - Acct # XXXX Amt {$0.00} INQUIRIES XXXX XXXX XXXX  XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX  XXXX  - Inquiry date : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I purchased the money order in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX {$850.00} I gave it to my landlord the landlord said the money order had to stop payment on it I paid cash for the money order and now MoneyGram saying that it's an invalid money order and there's nothing that they can do I have the stub and the money copy of the money order from my landlord
Product: Credit reporting or other personal consumer reports

XXXX I am writing to file a complaint regarding the validation of a debt on my consumer credit report. I've received several calls which I've requested several times to be removed from the call list. This company calls and requests information about me without even validating who they are or what they are calling about. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act. As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company 's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demand that these items be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. 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. I respectfully request that your offices provide me with your purchase agreement for this debt and any competent evidence that I have any legal obligation to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

MISLEADING AND FALSE INFORMATION. 

XXXX XXXX XXXX XXXX {$8700.00} 15 U.S. Code 1692 consumer im not obligated to pay any debt.
Product: Credit reporting

After a Discharged Chapter XXXX Bankruptcy I sent a certified letter to Covington Credit, XXXX XXXX and received a call from XXXX XXXX XXXX with Southern Management Corp, XXXX XXXX a parent company of them. My letter was about fixing my XXXX credit line from Covington Credit after I discharged a Chapter XXXX Bankruptcy with that account. He informed me in XXXX 2014 it would be fixed. After XXXX XXXX credit disputes over 12 months the information was changed to a Charge Off, with month to month reporting, and Major Dispute entry after bankruptcy protection was established. This information is all incorrect or should not be reporting. I have dispute answers from them through XXXX, I recorded my conversation with XXXX XXXX in XXXX 2014, and have copies of letter sent with return signature receipt.