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

Yes I receive this money originally from XXXX XXXXXXXX XXXX  program that got send to XXXX which is not a bank but provide payment processing services, I call XXXX which provided me the tracking number which was to XXXXXXXX XXXX XXXXI called cashapp told them my name my zip code and cash tag how much money and, inform them I don't know my XXXX or number. I also told them I receive these funds in XXXX I proceeded to call them, XXXX them and contacted them for cashapp and cashapp support to tell me due to security reasons there nothing they can do about it and cant give me any information regarding to my old cashapp account and basically telling me there nothing they can do about it i proceeded to do it they way plenty of time by using cash tag calling them also doing a complaint to cashapp.
Product: Credit card or prepaid card

I called Barclays at XXXX on XX/XX/2021 to request my full balance owed and to pay it all off. The agent told me the full amount owed was {$1000.00}. I authorized the payment from my XXXX XXXX XXXX checking account. This is the account where automatic payments were already in place. I was very specific in asking them for written confirmation that the full amount owed was to be paid and that the account was closed. I was told the account was already closed and I would receive email or letter to that effect. On XX/XX/2021 I confirmed with my online credit union account that the total was transferred from my account to Barclays. Also on XX/XX/2021 received an email from Barclays. It only stated that they received a payment. It didn't indicate my balance or anything else. So last night XX/XX/2021 I get an email that I still owe {$3.00}. I called XXXX went through the prompts and just paid it. This morning I called Barclays, spoke with XXXX, to ask where these new charges came from. I didn't get any intelligible or satisfactory explanation. I then asked ( again ) that they send me an email stating that I owed them nothing. I was told I would need to call back later to check on this myself. I asked again for THEM to send me an email, but XXXX stated they would only mail something out within 7 to 10 days. 
At this point I need help as I feel they are just harassing me with new false payments. I still haven't received anything in writing. The whole time they were taking automatic payments, I never knew my remaining balance. I'm not trusting their word anymore.
Product: Credit card

On XX/XX/ I received a Macy 's Statement of Account indicating that I had a balance of XXXX. I have not used this card. While I was told that nothing more was due I am troubled by the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHECKING MY FILE alot of information is invalid I am interested In disputing all incorrect information on my credit report with Equifax. please update and remove all information asap.
Product: Credit reporting or other personal consumer reports

15 U.S.. Code Section 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft, no later than four business days after the date of receipt. It has been 30 days and this company is in violation of this law because I'm a victim of identity theft. Please delete these items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

I have many complaints and issues with this subject. Too many to describe at moment, but will give details later, do wish to be contacted immediately. I have been wrongfully blocked from Western Union, XXXX, even XXXX. I believe it is outside interference with select inside corrupt employees causing problems as well. I would like to be reinstated and have issues strongly evaluted, resolved and verified on my behalf. So that I can also retrieve my gifts - money transfers, that are being blocked by extortioners within and outside the company. I have strong reason to believe that this is what is going on, my new online business is being hacked and extorted the same, so now XXXX fold proof that I am being criminally robbed by rings and hackers. I do need someone to help me get protection and justice concerning and to retrieve my lost money and opportunities. XXXX, XXXXXXXXXXXX ; XXXXXXXXXXXX ; XXXXXXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my credit frozen with all three credit rating organizations. I put in the wrong password in with Experian and now my account is not only frozen, it is also locked. I am unable to get the information I need or speak with someone at Experian to get this situation resolved.
Product: Credit card

Your rewritten explanation is already clear and well-structured, but heres a slightly refined version for added clarity and polish : I initially set up an auto payment of {$120.00} per week for my Citibank credit card to be withdrawn from my debit card. However, on XX/XX/XXXX, I discovered that Citibank had started charging me {$250.00} every two weeks instead, beginning in XXXX. 

When I contacted customer service, a representative claimed that I had made this change via the mobile app on XX/XX/XXXX and that a confirmation was sent. However, I never received any such confirmation. Additionally, a previous representative informed me that there was no record of any confirmation being sent. 

I did not make any changes to my auto-pay settings, so Citibank must have made the alteration on their end. I have no evidence on my end that these settings were ever updated. The only related email I received was an unusual message stating : Your AutoPay preferences for your XXXX XXXX XXXX have been updated online, with a payment of {$0.00} due each billing cycle to your Checking account from Citibank. 

This situation is both confusing and troubling, as I did not authorize or initiate any changes to my account settings. 

This version emphasizes the timeline and inconsistencies more clearly while maintaining a professional tone.
Product: Debt collection

I have been shopping at XXXX in XX/XX/year> and a cashier suggested to me at the cash register that a XXXX credit card would get me some discounts so she let me apply for one. Its in my credit usage habits to pay my bills no later than twenty days after purchases, so I opened a bill pay account and sent payment a week or so later. I was surprised to receive a call claiming that my bill was unpaid. I explained to the representative that I sent payment through my XXXX XXXX pay which showed then that payment had been sent. I tried to get the customer agent help me figure out what went wrong but all she was interested in was the payment. She said Our records show that you did not pay and you need to pay now to avoid fees. I complied and paid again. In XXXX, I made some purchases, the bill of which I paid through my XXXX XX/XX/year> but again I received a non-payment call again. This agent also was not in any mood to explain why my payment did not reach them. She just told me there was nothing that she could explain apart from the fact that it showed at her end no payment from me. 


I was so disappointed for, I pay all my bills through my XXXX XXXX XXXX XXXX  so what would be the cause of this? ThusI asked the agent to verify the payment address in my XXXX and it turned out that was not it, it was XXXX store address. I asked for the address and updated it. I paid every XXXX  I spent apart from the late fee charge which I feel I do not owe. Customer agents are there to help customers avoid things like this one. I told them I paid through my XXXX  and none of them tried to verify or at least know why this would happen. I was the one asked for verification and eventually found the cause. This charge, to me, is like an entrapment where the company tries to get you to make a mistake and charge you. 


In XXXX, they called me for the late fees that I thought had been waived because of the circumstances. As I told them that this credit card is being too much of a problem and that if that should continue this way, Ill close the account and, the agent said she can close it then it was closed. 


I do not know that they kept the bogus fees that they keep increasing until now. They also report this on my credit without contacting me prior to that. When I found out, I called and sent a dispute letter to them with all proof, but they did not fix it. I would like them to prove to me how I owe them. I have been on the phone with customer agents and they always say that the call is being recorded so they should prove it with a transcript of how I owe them since I thought we got over this.
Product: Checking or savings account

Hi I had a online savings account and saw a transaction I didnt recognize a ach transfer for XXXX and got this disputed the bank investigated this is decided it was unauthorized and due to my account status they couldnt credit my account the amount because of its status it being closed so they sent a check by XXXX on XX/XX/XXXX but I never received this check it was open package when I looked in it with only a non negotiable agent copy of the check but not the check it self and have been trying to get it reissued since then and when I call only thing is done is the agent escalates it to the back office team and I never hear back they responded back one time and said they couldnt issue a check because my account had already been credited the amount but that was a mistake on their end they had the dispute mixed up and was referring to another dispute with the same amount and I informed a agent about it and they noticed it too and let them know after that I never heard back and have been calling and nothing has been done and I have been waiting patiently only thing happening is it being escalated to the back office team and I never hear back I just hope u guys can get to the bottom of this and get this check reissued
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the status information of these accounts and update right away. 
XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for anv purpose.

XXXX XXXX
Product: Debt collection

I already paid XXXX on XX/XX/22 to QAR with my XXXX XXXX Conformation # XXXX ok
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 XXXX Medical data system inc XXXX XXXX Medical data system inc XXXX XXXX Medical data system inc XXXX  XXXX XXXX XXXX Medical data system inc XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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 1681c. ( A ) ( 5 ) section states : 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 seven years.

15 U.S.C 1681S-2 ( A ) ( 1 ) 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.
Product: Debt collection

I had to return a XXXX Thermostat to XXXX XXXX in Texas for failing to compete a two year term with them as an energy provider. I returned the thermostat in the mail with the address the company provided. A company called Transworld Systems : XXXX XXXX XXXX XXXX DE XXXX Is attempting to collect {$200.00}, the value the company believe the XXXX thermostat is worth. Again, I returned the thermostat. They continue to call my home and cell phone daily and send letters attempting to collect a non-existing debt. I told them once on the phone that I returned the thermostat already, yet the problem continues.
Product: Credit reporting or other personal consumer reports

In accordance with 15 USC 16c-2, Ive identified XXXX on my credit report, which are impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX IN XX/XX/2022 XXXX
Product: Checking or savings account

I am so furious with Chase bank. I recently applied for the XXXX loan, and went through their underwriting provided all supporting documentation that I am a XXXX XXXX  working as a XXXX XXXX XXXX. I got approved for the loan, and the funds were disbursed into my checking account, now Chase is freezing my account because they are stating its not a business account and I have to provide an EIN number, I am not legally obligated to have an EIN number if im working as XXXX XXXX and I do not have any employees. I am working by myself, and charge for my XXXX XXXX XXXX. I am very angry that they are not willing to listen when I am explaining that I can not have a XXXX account with chase unless I have an EIN number or corporation. If I ama working as XXXX XXXX I am qualified to receive this loan Per SBA EIDL guidelines. I met the requirements, I went through their underwriting process and they approved me for this loan based on their requirements and underwriting. Chase can not require me to have something that SBA does not require. Chase is not the one issuing me this loan amount. SBA EIDL is. I needed this loan ASAP to help me with the lockdowns we are going through and not being able to work. Very unfair.
Product: Credit reporting or other personal consumer reports

1. **42 USC 408** : If TransUnion improperly handled Social Security numbers , such as using them without proper authorization or for purposes not permitted under the law, it could potentially be in violation of this statute.

2. **15 USC 1602** : This is part of the Truth in Lending Act. If TransUnion misrepresented credit terms or failed to provide necessary disclosures, it could be in violation of this statute.

3. **USC 3-104** : This code defines what constitutes a negotiable instrument. It's unclear how this would apply to TransUnion unless there's an issue with a specific financial instrument at play. For example, if TransUnion were to issue a negotiable instrument that doesn't meet the requirements outlined in this statute, it could potentially be in violation.
Product: Mortgage

I have been trying to get either a loan modification or an alternative for foreclosure since I got behind on my mortgage payments. However,  Ocwen Loan Servicing, LLC ( hereinafter " Ocwen '' ), my lender has not made the efforts to he lp me. I have submitted a complete loss mitigation package by  XXXX   XXXX ,  XXXX , at le ast 8 busines s days before the schedule sale. But,  Ocwen  asked for more documents that they already had in their possession around  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX , I received an email telling me that it is impossible to stop the sale date because there is not enough time for a review. My husband and I have settled the second loan. Please see related information regarding this second loan settlement. We can work on a short sale or a deed in lieu of foreclosure now that the title is clear. However, we need our lender to allow more time to explore these options.
Product: Student loan

My student loan is with Navient, although I pay monthly at an 8.25 % interest rate, the principal never comes down, I 've been out of college since 1999, have been steered to go into forbearance at one time and still owe the same amount as 18 years ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a CFPB claim but the response was sent to an auto finance company. THIS IS NOT A DUPLICATE COMPLAINT!! XXXX and Experian are reporting incorrectly on my credit report a collection that originated from XXXX. This account was sold to an unknown third-party and now there is a collection showing up on my credit report for {$560.00}. ( Please see page 19 of the attached credit report ). I do not believe I have ever had a XXXX account. If this account is mine then it has been over 7 years and is beyond the statute of limitations. Please remove this tradeline from my report. This incorrect reporting is a violation of the Fair Credit Reporting Act and is harming my credit score.
Product: Student loan

I received an email from American Educational Services ( AES ) to my school district protected account. AES was offering a student loan consultation service for the student loan forgiveness program. I was told they were contracted with XXXX XXXX XXXX. I was charged a {$390.00} fee for their services. After speaking with Fed Loan Servicing, I feel as if this is a scam. They stated that I should not have been charged a fee for this assistance.
Product: Credit card or prepaid card

I have my bills on automatic bill pay for my THREE Synchrony Bank accounts. TWO of them are JCPenney and Amazon. On XX/XX/2021 I got a barrage of calls from Synchrony Bank telling me that my account was past due. BOTH payments went thru on XX/XX/2021. I was called AGAIN on XX/XX/2021 to make ANOTHER payment after my payments for BOTH accounts already were PAID for that month. I spoke to one call rep who asked me to make a payment. I told him that I will make another payment on XX/XX/2021. WITH OUT my authorization he attempted to make ANOTHER payment for the XXXX AGAIN for JCPenney and Amazon causing my checking account to over draft with fees plus the payments did NOT go thru resulting in my JCPenney to be closed due to THEIR error of their call rep taking those TWO unauthorized payments and it ending up on my credit reports. I had to file a dispute with all 3 credit bureaus. 

They made repeated calls to my phone from XX/XX/XXXX thru XX/XX/2021 and when I asked about what was going on they said they had a computer glitch and that was the reason for the phone calls but the calls kept on coming. Since XXXX I have talked to over 5 to 6 different call reps about my account and I keep getting the run around, the problem is not solved.
Product: Mortgage

I closed / settled on my mortgage two weeks ago and they haven't funded the loan ( sent me the mortgage ). I have emailed ( 5-7 times ), called ( 3-4 times ), left a messages and voicemail with a manager. Nobody is trying to fund the loan ... it doesn't seem to be anybody 's priority, which is mind boggling. I'm confused because I've had a mortgage before and the money was send that day ( or maybe the next day ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX CARD XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc XXXX. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXc Federal Reserve SXXXX. XXXX XXXX and XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.