23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased 2 pairs of glasses from XXXX. I used XXXX, XXXX who offers virtual credit cards/virtual payment plans for consumers. 

After checking out, I noticed I never received any confirmation email about the order from XXXX XXXX. I was looking for XXXX customer service to contact them about my order. They have a U.S phone number and address listed on their website, but the phone number is not working. ( XXXX ) XXXX Also, I came across many reviews online of people saying that they never received their orders from XXXX, and they are a scam company. They also are using a US address to make it appear that they are located here in the U.S but they are really in XXXX. Which, I feel is misleading to customers. 

The same day that I placed the order, I immediately contacted Afterpay about canceling the transaction due to the information I found out about the Merchant ( XXXX ) Afterpay said that there is no way to reverse a transaction once its been completed and the only way to be refunded is to : 1-Wait to receive the items from the Merchant and return the items. 2-Contact the merchant to ask them to cancel the transaction. I reached out to the merchant but iniitally received no reply. 

After filing a complaint with the XXXX XXXX XXXX, After pay opened a dispute for me. 

On XX/XX/2024 XXXX finally replied to me after the dispute was opened asking me why I want to cancel. I replied that I had decided to purchase elsewhere and asked them to cancel. XXXX XXXX replied back saying They wont help me or cancel my order unless I close the dispute with After pay. 

I contacted Afterpay back and sent them copies of the email I received from XXXX. Afterpay sent me an email saying that they have closed my dispute and that they cant help me, and I just have to work directly with XXXX to get a cancellation and refund. XXXX will not cancel the order. Also I found information online about the address XXXX is using. It was on the XXXX XXXX XXXX Scam Tracker. The address is XXXX XXXX XXXX XXXX, NJ XXXX, I sent this information to Afterpay as well. 

On XX/XX/2024 I placed an order with XXXX online for my eyeglass prescription which I paid directly from my bank account. The issue is that now I am unable to get a refund from Afterpay, or XXXX. 

I
Product: Checking or savings account

I held my funds in a crypto exchange wallet Blockfi. According to there terms of use the funds were just used as shortage and the company had a XXXX XXXX and my funds where not to used for trading or loaning. If this is so I should be able to withdraw my funds but I am not able to withdraw as of today which is XX/XX/2022. I initiated the withdrawal on XX/XX/2022 almost a month back. Please help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent account being reported on my TransUnion credit file by XXXX Bank, account number : XXXX. I have contacted XXXX Bank and they have not provided me the debt validation letter that I requested. They basically dont have any proof that this account is mine. Sent a letter to TransUnion, its been over 30 days and TransUnion has failed to respond, investigate and remove this fraudulent account from my credit file. They havent responded to my CFPB complaint nor to my certified letter demanding a full investigation and removal of this account. I sent a copy of the previous CFPB complaint, along with FTC letter, police report, notarized written letter explaining my request and a copy of my ID, social security card and utility bill proving my identity. Instead I received a stall tactic letter stating that it didnt appear that I sent the letter. Its a tactic that is being used by TransUnion lately to either delay their response or ignore my request. The Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. If this doesnt happen, the bureau is then in violation of the FCRA XXXX TransUnion has violated my consumer rights by not responding to my CFPB complaint on XX/XX/22 nor my letter. Im demanding that this XXXX Bank account remove from my credit file immediately.
Product: Credit reporting or other personal consumer reports

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Product: Debt collection

This is a matter that happened 22 years ago ( XXXX ). The community I lived in took me to court even though I was no longer on a lease, and had a month to month agreement. I moved out and left no forwarding address. It was n't until after I found out about the judgment. Fast forward to XXXX they take my tax return in compensation. Fine. Now it 's XXXX and I get a phone call from a collector telling me I owe {$3900.00}?
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX Washington , DC XXXX Enerbank UsA Address : Not Available RE : Acct XXXX XXXXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding the above-mentioned account, which you claim revolving account type closed condition here such as I owe {$15000.00} or my account was charged off {$12000.00}. ( Note : on my credit report XXXX different times Account XXXX XXXX with credit limit {$15000.00} condition closed {$14000.00} ). 



I requested that you provide me with a copy of any viable evidence showing the account is being reported accurately. 



I am now requesting the method of verification procedure you used to determine the accuracy and completeness of the information you are furnishing on my credit report. 



As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 



I am again formally requesting a copy of any documents, showing that I have a legally binding contractual obligation to pay you the alleged amount. I am also requesting the record that reflects the process by which my signature was generated/executed. 



Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 



I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful noncompliance. 



My contact information is as follows : XXXX XXXX XXXX XXXX XXXX, XXXX Washington, DC XXXX Last XXXX of XXXX : XXXX P.S. If needed, I will also provide a copy of this letter to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking, and the information listed below, which appears on my credit report, is a result of that trafficking.

Please block the following information from my credit report within four business day
s, pursuant to section 605C of the Fair Credit Reporting Act. I would also appreciate receiving notification of the actions taken. 

XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX  Account number : XXXX Thank you for your prompt attention to this matter. Please find my proof of identity and trafficking documentation enclosed. 

Sincerely, XXXX XXXX XXXX Enclosures : Proof of identity Trafficking Documentation
Product: Student loan

At the end of XXXX, I intended to make {$2500.00} in payments against the interest of my loans. I made XXXX payments, totaling exactly {$2500.00}, the last being on XX/XX/XXXX. I made these payments with the intent of them being applied " interest only '' On XX/XX/XXXX, only after I received my 1098-E for XXXX from Nelnet did XXXX see that only ~ {$1300.00} was applied to interest did I reach out to Nelnet requesting an explanation and to have the payments corrected, which the servicer stated he would do to reallocate the full {$2500.00} to the interest and send a corrected XXXX. 

The reallocation was made on XX/XX/XXXX. 

On XX/XX/XXXX, however when I checked on the 1098-E, as I was told to do so by Nelnet, I was told by a different rep that they would not send a corrected 1098-E. When I inquired and requested explanation and a correction, I was sent to a different employee who seemed to be needlessly elongating the phone call, with long bouts of silence, seemingly in an attempt to have me hang up. He was named XXXX XXXX. 

At one point, XXXX said " the IRS says we can't do that, '' to which I responded " can you cite me the PRS Publication stating that, '' to which he said " No. I can't. But the IRS said we can't send a corrected form. '' XXXX XXXX was saying that his supervisor, XXXX, was the one telling him not to offer a corrected 1098-E. I had XXXX XXXX fill out an official complaint, citing his statement of the IRS and stating the relief I am requesting. 

RELEIF REQUESTED : A corrected 1098-E from Nelnet for XXXX showing {$2500.00} Reasoning : XXXX ) The payments were made in XXXX. 
XXXX ) The evidence ( {$2000.00} paid on XX/XX/XXXX ) demonstrates that the payments were intended to be completed before the XXXX tax deadline showing the payments made outside the suggested pay-schedule-amount were only intended for tax purposes. 
XXXX ) The sole reason the payments were not applied to interest was due to Nelnet 's software and online payment system improperly classifying the payments toward principal instead of being " interest only '' payments XXXX ) Nelnet 's refusal to correct the 1098-E, mistaken because of their actions or inactions, are creating economic harm to the debtor, XXXX XXXX XXXX who has demonstrated good standing and proper adherence to payment schedules before they are due. 

I am requesting that the CFPB work with Nelnet to provide an updated 1098-E for XXXX showing {$2500.00} so I can accurately report this to the IRS.
Product: Debt collection

I am not sure on the date. They continue to keep calling my mothers home and saying that I will go to jail or even get money taking out of my work check if I do not pay the bill. XXXX XXXX XXXX, XXXX has called my work and inform my boss that they need to talk to me on a urgent matter. I am needing this to stop and want to know what else I can do for them to stop these type of calls. I went through a XXXX XXXX and this is a bill my ex-husband has did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( XXXX ) account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I was in the process of having my mortgage re-negotiated with XXXX XXXX when my home was lost in a fire. I owed at the time {$130000.00}, I received an insurance check for {$190000.00}. I had plans to rebuild. I learned that XXXX turned the mortgage over to Bayview Mortgage and the {$190000.00} disappeared and this has left me with out a home. I have made many attempts to find out where the money went because there was a second mortgage on the house and it was not paid, I'm paying it right now. The check was made out to XXXX, myself, XXXX XXXX., and I can't get an accounting of where the money went and why my home was not rebuilt. 

I did pay an attorney {$3000.00} to look into the matter but he has ripped me off also. He will not answer his phone. It was XXXX XXXX XXXX in XXXX, NJ. I'v tried reaching him many times. I just want someone to tell me where the money went. I'm retired after 34 years of XXXX XXXX. and my husband served over 20 years in the XXXX. I just want some answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent in a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reasonable to immediately remove those items from my credit report it has been over 60days so they should be deleted promptly. I demand these accounts be deleted immedetily or I will file for litigation due to the stress you have caused. My information was impacted by the Equifax data breach and may have gotten into the wrong hands.
Product: Credit reporting or other personal consumer reports

The accounts reported werent properly investigated and my credit profile was not corrected of the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file with XXXX  for a delinquent account with an unpaid balance of {$1100.00} reported by XXXX XXXX XXXX services which doesn't belong to me. I sent a dispute letter on XX/XX/2021 challenging the accuracy, compliance and reportability of this entry. XXXX  and XXXX XXXX XXXX XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Debt collection

To Whom It May Concern, On XX/XX/2020 I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. 
I was informed on XX/XX/2020 that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit Report under a New Company named AFNI, Inc. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, AL XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Credit reporting 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 confidentially under 15 USC 1681 Account XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C Section 602 states I have the right to privacy 15 U.S.C Section 604 It also states a consumer reporting agency can not furnish my account without written instructions 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 

15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
Product: Debt collection

I am a confirmed ID Theft victim and someone used my name to open up fraudulent accounts with a Affirm Inc. ( XXXX XXXX  ) .There are two accounts on my credit report that do not belong to me nor are they associated with my identity. I have no knowledge of these accounts at Affirm.
Product: Debt collection

I spoke to Cmre rep a few times. They keep asking for the FULL AMOUNT of original balance. They 're not the original creditor and ca n't pursue the full amount. I 'm a veteran and have notified them several times. They 've been extremely rude and management wo n't return a single call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, Transunion, XXXX. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both transunion and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my balance information was incorrect. You are reporting Information that incorrect because my balance is paid in full and has been. You also sent myself proof that you received my balance total. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete any balance that is not XXXX because it is inaccurate information from my credit file within the next 30 days. I know that you have up to XXXX days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.
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 ( 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 E
lectronic 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: Checking or savings account

Hello my name is XXXX XXXX XXXX This will be my second time reaching out to CFpb. I call key bank in XXXX til this present day now they keep telling me they mail internal revenue back my check so internal revenue can reissue me another check. Key bank states XX/XX/XXXX it shows irs cashed the check. I reached out to irs they stated they havent received a check and they asked me to reach key bank to ask for the checking number or reference number so they could locate the check. I asked keybank and XXXX XXXX multiple times and they refuse to give me the check number and reference number. They stated they are not allowed to give it to me because the check was made out to irs and not myself. Keybank and XXXX XXXX I believe they are lieing and they still have my check and they stated they cant call bank to verify the payment was sent and they also stated irs have to reach them. This bank put me through XXXX it been 1year now and I still havent had my money this bank could easily call irs to verify they send them the check and they could have given them the check number but instead they rather put me through XXXX. There need to be action taken because keybank isnt doing there job. They are saying as I was told they not sure how check was sent back. So yes I dont believe they mail my check back. I even ask the bank to mail the check to me instead of mailing it back to irs. They stated the check was from irs so it goes back to them. Irs mailed the check to me last year. Im the one that signed it and mailed it to XXXX XXXX to deposit in my account. I wish I never mail this bank anything because they waited long time to get this resolved. As of now nothing is resolved and Im asking for proof that the check was mailed back and Im asking for check number and reference number to give to irs so irs can reissue me another check.