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

I have used cash app for over a year. I upgraded my phone, and lost all access to my old account. I have since created a new account, and followed their links to merge the accounts, at which it will not work. I have sent multiple emails with no response. There is no phone number to contact anybody. I have over {$1.00}, XXXX that I am unable to access.
Product: Debt collection

I received a call the person did not state where or why they were calling started the by stating a social security number and a name. I asked who they were and there address and they hung up the phone. I purchased a XXXX XXXX to locate the company by the phone number called from. I would like to file a complaint as this information could be used by anyone to commit fraud.
Product: Mortgage

I have a home mortgage with Chase. I had an overage in my mortgage escrow account ( due to my property taxes being reduced ) in the amount of {$5100.00}. I requested a refund of this amount and was told it would arrive in 5-10 business days. The check never came. I called Chase to find out why, and was told the check was never sent because they had to call the county to verify. I told them this money was based on an overage for XX/XX/XXXX and had nothing to do with next year. They claim the county told them my taxes would increase from {$1400.00} to {$3700.00} in XX/XX/XXXX. This is not true, so I told Chase to figure my escrow based on property tax in the amount of {$1500.00} and to send me my money. 
I received a check for {$4500.00} and a new payment based on a projected tax payment of {$3700.00} not {$1500.00}. 
I believe their actions are a blatant attempt to hold on to my escrow overage and to get me to over pay my escrow for XX/XX/XXXX so they will have to use of my money for free.
Product: Consumer Loan

I sumbitted a complaint against drivetime reporting againt my credit bureau report inaccurately and they responded back that they would remove their tradeline from my credit report but it is still showing. I have disputed with the bureaus with the letter drivetime provided that they will remove but its still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN BUSINESS CRED XXXX EXPERIAN BUSINESS CRED XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed an inquiry from your company that I dont recognize or remember authorizing. This is really concerning, as its affecting my XXXX XXXX and causing me a lot of stress
Product: Debt collection

My wife and I cancelled our policy with XXXX but they are trying to charge us for another month of coverage after the cancellation went into effect.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. Statee Ihave the right to privacy. 15 U.S, C 1681 Section 604 A Sections 2 IT also states a consumer reperting agency can not furnish a account without my written instruction,
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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Has violated my rights I looked at my Experian report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX listed on my XXXX  credit report disputing the debt that they have reported on my credit file and requesting validation of such account as belonging to me made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 
XXXX XXXX has failed to respond to this validation request within 30 days from the date of my receipt, and I want this account to be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a credit card which was opened and used fraudulently and when I reported this to XXXX they investigated and agreed to close the account and all charges were considered fraud. Now I see this account as a debt and charged off which is totally misrepresentation of facts. I was categorically advised that final determination of the investigation was that these were fraudulent charges. I will be filing a legal remedy in this matter as well if this si not corrected on my credit report.
Product: Credit reporting or other personal consumer reports

The late payments showing up on my record are not typical of my regular payment habits, which are always punctual.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX TRANS UNION AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE LOAN ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX 2.XXXX XXXX 3.XXXX XXXX 4XXXX XXXX 5.XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Product: Debt collection

The open date reported on this account is XX/XX/XXXX. This account was settled on XX/XX/XXXX. No contact or collection attempts took place between XXXX. I did not receive a letter showing the account was sent to a collection agency during or after the aforementioned dates. The amount reported by Hunter Warfield Inc is grossly inaccurate in an attempt to scam more money. A default judgement was issued for {$1000.00}. The debt reflected by Hunter Warfield Inc is {$2800.00}. I want a copy of the lease agreement, the final ledger, move out inspection form ( as I was not given the opportunity to complete the final walk through with management ), statement of any damages and cost of repairs. Per the lease agreement, my security deposit should have been applied to any rent in arrears. I do have a copy of the judgement that reflects the accuracy of my statements.
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Debt collection

To. Consumer Financial Protection Bureau Greetings, My name is XXXX XXXX I was XXXX Military Because of XXXX. 
after almost a year of struggle I could not afford to pay my debt so I decided to enroll in the Debt settlement program so far I already pay a Total of {$25000.00} to the Debt Settlement Company which taking out from my XXXX Payment from Dept. of Veterans Affairs. and automatically withdrawn from my Bank. the debt settlement company promise me to settle of my debt one of them are XXXX credit card the debt settlement company notified me that the XXXX accepted the settlement through Glass Mountain Capital LLC for the amount of {$5800.00} this was settled by installment basis and the debt settlement company charge me a total of {$1800.00} just a settlement fee for this account. now base on my research the debt settlement company paid the Glass Mountain Capital LLC through auto payment but the Glass Mountain Capital LLC did not accept the last two of auto payment in the amount of {$180.00} so that the account remain open and per Global Client Solution account statement they reverse the payment and I found out they sold me to another collection agency. I want to file a complaint against Glass Mountain Capital LLC because of unfair techniques of collecting payment to a helpless people I hope this will serve a Lesson in the future Victims. I wish your Department can help me, and also can you Please Bring this case up and report it to the Congress. I will disclose a Involving party. 

XXXX XXXX XXXX Glass Mountain Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX Tel. # XXXX XXXX, XXXX XXXX Tel. # XXXX
Product: Mortgage

This is in reference to case XXXX.Bank of America responded with answers to questions I did not ask. They also said in there response letter, they did n't have enough factual detail for them to research appropriately, so I will restate my concerns several times. 
My concerns are : ( a. ) about monies ( escrow checks ) that were re-deposited into mortgage loan account and not accounted for and, ( b ) while with COUNTRYWIDE no record of proof for my PMI payments therefore the application of PMI on this loan far too long. 
( a. ) The missing monies were XXXX escrow checks that are not applied to the loan. 
1.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$39.00} 2.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$210.00} 3.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$270.00} 4.ck # XXXX, date XXXX/XXXX/XXXX Treasury id # XXXX {$370.00} 5.ck # XXXX, date XXXX/XXXX/XXXX : treasury id # XXXX {$110.00} ***These checks were deposited into my mortgage loan account, please send me proof. ***** Total {$1000.00} missing ( b ) The PMI was paid on the loan from it 's origination in XXXX XXXX with ( XXXX ) thru it 's transfer to Countrywide XX/XX/XXXX, thru transfer to Bank of America , and finally PMI stopped XX/XX/XXXX.. A total payment of PMI was 9 years and 9 months. It should have stopped XX/XX/XXXX ( 5 years ), but it continued thru XX/XX/XXXX ( 60 more months ) for a total of {$1800.00}, Thant money is an over-payment. Hopefully you have enough facts to research your Countrywide files and your escrow deposits to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT DISPUTE LETTER XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( Confirmation # XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX TransUnion Consumer Solutions ( File # XXXX ) XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX Re : Disputing wrongful credit reporting on my credit report Reporting debt as closed when it was paid it in full. 


Dear XXXX, XXXX, TransUnion. 

I am writing to request the investigation and correction of XXXX XXXX XXXX XXXX. 

Account Number : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX This account was paid in full as of XXXX/XXXX/XXXX The following account is reported as Closed on my credit bureau report . 

This has negatively impacted and affected my credit score which you dropped XXXX point from my credit score, because of your reporting. 



I am writing you to dispute this error of reporting my account with XXXX XXXX Auto Finance. 

This account should reflect Paid in full ( Not Closed ) Please reverse the negative XXXX points, and add XXXX points back to my score this account was paid off early NOT CLOSED. 

I have enclosed additional documentation to support my claim, Please note, I am a valued customer of XXXX XXXX XXXX XXXX. 

Review enclosed letter from XXXX XXXX XXXX XXXX stating that my account was PAID IN FULL XX/XX/XXXX. 


Please let me know how long this will take you to reverse this error. 
I thank you for your assistance and look forward to hearing back from you. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Debt collection

A Judgment was issued against me and garnishment occurred to satisfy the debt. 
Once the debt was fully satisfied, US Collections West continued to garnish my wages resulting in an over payment of the account. 
They refuse to return the over payment to me or credit it to the secondary account I have with them. 
Original judgement was {$1800.00}, they claimed interest of {$19.00} for a total due balance of {$1800.00}, they garnished a total of {$2200.00} resulting in credit of {$370.00} owed back to me. 
Please see attached original judgment amount, payment statements issued by the court outlining balance and interest due, and payoff letter from court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Debt collection

In XX/XX/XXXX, I received a call which threatened that I would be having my license and registration suspended if I didnt pay a debt. I told the representative that I never received any information reporting the debt to me or proof that I owed the debt in the mail. The representative told me that they are not required to send me any correspondence. I told the debt collector to stop contacting me and speak with my lawyer. 
XX/XX/XXXX Spoke with XXXX XXXX at National service bureau XXXX XXXX XXXX XXXX XXXX which declared that my license was suspended and that if I dont pay XXXX % of XXXX they would not un XXXX my license. They told me that with a license suspension my registration would be blocked and I wouldnt be able to use my tags. This is false information because its a scare tactic. My license is still valid.
Product: Money transfer, virtual currency, or money service

Hi! I am filing a complaint against Western Union regarding a fraudulent activity that occured on XX/XX/2019 around XXXX XXXX. My online Western Union account was hacked and someone transfered a total of {$3800.00} in two separate transactions of {$1900.00} each. The hacker attempted for a 3rd transaction but due to inadequate balance in my bank account, the transaction canceled. To minimize red flags, the hacker used my friend 's name as the " recipient '' since I had sent her money in the past but they used a " fake address '' which was XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Nothing comes up when you XXXX that address. 

I found out about the fraud 3 days later when I checked my bank account and found the balance to be close to zero. I called Western Union and they told me that since the transactions have been completed they will not refund me the money, I should file a report with my local police. The report # they provided me is XXXX. I have raised some very important concerns to Western Union for which I haven't yet received a reasonable explanation. They are listed as follows : 1 ) how was the hacker able to put in a fake address in the system? Why didn't the western Union app gave some kind of an error? While he used my friend 's name and phone number the address was entirely wrong including the ZIP code. 
2 ) even if the person was able to transfer, how could they pick up the cash in person with a fake address? You need an Id and a " pan card '' ( for tax purposes ) in XXXX to withdraw any amount over {$45000.00} so how was the person able to do that? 
3 ) When someone transfers money using a bank account it takes 0-4 days, in the past when I have sent money it has taken 3 days but somehow I qualified for the faster delivery that day and the money was available within minutes. I saw the email later. 
4 ) How could they approve the same transaction of {$1900.00} twice? If I had money in my account they would have allowed it to happen the 3rd time too. 

Western Union won't reveal the personal information the person who picked up the cash from a Western Union location such as the id that was scanned. They would only give to the law enforcement. While I am going to lodge a complaint with my local police, I am not sure if anything will come out of it so I wanted to try this channel so I can be heard. It was my hard earned money that I lost in a split of a second. I demand refund from Western Union for their negligence.

I really hope someone can look into this. 

I am attaching a few screenshots of the emails I received from Western Union that will show you the details. 

XXXX ( XXXX ) JXXXX
Product: Money transfer, virtual currency, or money service

Waiting for my XXXX payout. I have been a Venmo weekly user for 6 years. I can not get verified to buy/sell/transfer crypto because it just bugs out to an error every time it tells me I need to identify some verification. I have talked to 7 customer account members. Nothing. Already published one complaint and got contacted just to tell me they are working on it. Its been since XXXX that I have reached out to Venmo for the first time. 7 interactions and nothing has been done. Millions of users per month. They can fix my error. And I demand it be fixed now. Missing out on about XXXX dollars in the present crypto value that havent been able to receive my money everyone needs to press up.
Product: Mortgage

My current lender took over my mortgage loan XX/XX/XXXX and their telling me I have a $ XXXX shortage in my escrow account. My monthly payment increased {$150.00} on my XX/XX/XXXX statement. On my XXXX payment it increased {$34.00} The payment increase ( I'm being told ) was from my prior lender 's annual review. My current lender is telling me I am short the 2 months reserves that are required to be in my escrow account. My original mortgage payment is {$1800.00}. 

I offered to make a {$1000.00} payment today and the remaining balance next month, I asked if that would lower my monthly payment back to it's original amount. they told me NO, they will not accept partial payments. I had to pay the whole amount for my mortgage shortage for my payment to be adjusted. 

They said I could make the XXXX partial payments to my current escrow account and that my mortgage payment would adjust XX/XX/XXXX after they did an annual review. But if I pay the whole amount today my payment would adjust on my XXXX stmt.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX5 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit card

Someone tried to open a Chase credit card using my information, prior to XX/XX/XXXX. 
Chase denied the application and sent me a letter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following accounts on my credit report, as they have violated my federally protected rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681. The details of the accounts are listed below : List of Accounts to be Disputed : 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 These accounts have violated my privacy and confidentiality rights as protected under the following provisions of the FCRA : 15 U.S.C. 1681, Section 602 ( a ) : This section explicitly grants me the right to privacy, and the presence of these accounts on my credit report without my consent constitutes a violation of that right.

15 U.S.C. 1681, Section 602 ( a ) ( 2 ) : This section states that no consumer reporting agency can furnish information about an account without my express written instructions. I have never provided any written consent for the furnishing of the above accounts.

15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including any adverse information, except for criminal convictions, that is older than seven years. The accounts listed above contain adverse information that is either outdated or in violation of this provision.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : This section states that a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate. The information regarding these accounts is inaccurate and should not have been furnished to any consumer reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the information to be linked to XXXX for financial services and it won't let me link up to the software.