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

The big picture is that I'm changing from XXXX XXXX to XXXX. XXXX did a correct wire transfer without any problems on XX/XX/2022. The amount was USD XXXX and arrived in my account at XXXX, My problem began when I told them that I was going to change to another bank, and they charged me a closed fee in both accounts ( brokerage and checking ) of XXXX each account also the regular last wire transfer of XXXX, they told me that a las advisory feed needed to be pay, So I paid all my the fees that they required. I gave them the go-to proceed to do the last wire transfer to XXXX, which amount was USD XXXX deducting all charges ; they filled up the form to transfer as usual the problem was that the money never arrived at destiny because of a wrong account number that XXXX XXXX assumes XXXX instead to use the correct form used on XX/XX/XXXX, XXXX the transfer to XXXX passed clean XXXX 
Now to do the transfer, they demand to pay USD XXXX for rejected wire transfer and XXXX the fee to send the last transfer to XXXX again. I have attached emails and documents that explain this issue.
Product: Credit reporting or other personal consumer reports

I have been trying to execute a Freeze on my TransUnion credit report but TransUnion keeps blocking me from their credit report portal i have tried multiple times even phone calls and emails. But nothing is working. I dont understand how inaccurate information can be validated in my report but for TransUnion to not validate my actual information is illegal. TransUnion is causing harm to my credit report and myself by their acts in violation of FCRA XXXX, XXXX XXXX, XXXX ( a ) ( XXXX ) XXXX XXXX XXXX ( a ) ( XXXX ) and Regulation F of FCRA.
Product: Debt collection

The collection agency is Portfolio Recovery. They have been calling multiple time a day from different scrambler numbers. Their hours of operation are XXXX Eastern Time. I live in California and they are calling me before XXXX. At XXXX.
Product: Credit card

On XX/XX/XXXX, I was approved for the XXXX Credit Card from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX  XXXX, NY. The purpose of this card was to exempt tax payments on purchases from the store. At the time, the card was operated and managed by XXXX XXXX  and autopay was set up to pay the statement balance every month that a balance was due. I would receive both paper statements and electronic statements from the company and was never, for any reason, in arrears. On the XXXX of XXXX, XXXX, ownership and management of the account was transferred to Bread Financial Services / Comenity Bank. I was sent an electronic notice of the change, but it was implied that the service would continue without interruption as it had with XXXX. Starting this date, and through no action of my own, statements, neither digital nor paper were sent any longer, and without my knowledge, settings on my account appeared to have changed during the transition. After the card ownership / management transition occurred, my autopay seems to have shifted to pay only the minimum balance. Not receiving statements, nor notices of any kind from the bank, I perhaps naively assumed that all was in good order, however when, in the process of doing my accounting for the year I noticed a significant interest charge in the amount of {$760.00} posted to my account on XX/XX/XXXX - it was not until this time that I realized the error. I then realized another such interest charge had posted in the amount of {$1100.00} It was at this time that I reached out to the bank to try and understand what had transpired and ascertain an amenable resolution, with either a good faith reduction or more appropriately, a complete refund of the interest charges in light of the transitional electronic error. It was at this time that I was informed that I was electing to defer payment rather than exempt tax, and my autopay was paying only the minimum balance, for which, after a year since the purchase was made, an interest charge was levied on the balance promotional rate. When I explained the situation to numerous representatives, supervisors and departments, I was met with the same company response - that the error was in fact my fault and the company, despite transitioning ownership, bore no responsibility and no remedy was to be offered. Having had a similar situation in the past with a far more reputable and established credit card company, I know that banks often allow for mistakes and work with consumers in good faith. From Bread Financial, there was none to be had. Further research with the CFPB, The XXXX XXXX XXXX and various online discussion groups have lead me to realize that I am by far not the only person to fall victim to this situation and this predatory and uncompromising lender. I was told simply that if I wanted a statement, I should have just gone online, despite bearing no responsibility for the non-delivery of statements post bank transition. By my mind, this practice and further, the banks unwillingness to compromise is criminal and I sincerely appreciate the CFPB 's assistance in finding an amicable resolution to this matter.
Product: Student loan

In XX/XX/2023, I received an email from Mohela stating I was placed on an administrative forbearance ending on XX/XX/2023. That same communication confirmed that the month of XXXX would still be counted towards PSLF. 

Since that time, the month of XXXX has been marked as ineligible on my PSLF tracker. I contacted Mohela to correct this in mid XXXX. Despite the representative looking at every available option, she was instructed that there was no manual override option, or place for her to submit my request, despite agreeing that XXXX should have been marked as eligible. I was instructed that I needed to wait for the company to correct this en masse. 

There is no time frame for this supposed correction to occur, and in the meantime, I have now made 120 payments and am ready to finalize my application for PSLF.
Product: Credit card

I had just asked Home Depot to keep my account open. They said it would be closed since I had not used it very often. 
I made XXXX small purchase in XXXX 2015 on my Home Depot credit card. I did n't think anything about.I expected to get a statement in the mail and pay if off. Done. 

I did n't know there was a problem with the Home Depot credit card until it showed up in my online XXXX account. I had no idea that anything was wrong. It was reported that I had missed a payment and it was 30 days overdue. I was shocked to say the least. I paid the balance off as soon as I found out and setup an online Home Depot account. 

Home Depot said the monthly statements with the overdue amounts/notices/ overdue fees were sent to me via e-mail. I never received any of them. I did n't expect the Home Depot account to be paperless so the e-mails more than likely ended up in the spam folder. 

I do n't recall setting the Home Depot account to be paperless. I expected to receive a statement in the mail. They did n't do anything else to let me know the account was thirty days overdue. I did n't even receive a phone call or any other form of communications. NONE. 
Home Depot did n't think e-mail statements were a very good idea for me so they STOPPED my PAPERLESS e-mail statements and moved me over to paper statements. They did all of this without even asking me for my permission or what I would prefer. 

They finally send me a real, paper statement in the middle of XXXX 2015 for the purchase I made in XXXX 2015. 

It is too late to start sending paper statements. Home Depot should have done that months ago. I have never missed a payment in 41+ years of having credit. NEVER. NOT XXXX. Now my credit is destroyed. My FICO has dropped over XXXX points. There is something very, very wrong with this situation. 

I thought this was an isolated incident and was something specific to me. After a few XXXX searches, I am finding out that there are many, many other Home Depot credit card holders that have encountered ordeals very much like mine. 

I want this taken off my credit rating. If they had mailed me a statement like they were supposed to do this would never had happened. They did n't make a good faith effort to let me know the account was going to be overdue.
Product: Money transfer, virtual currency, or money service

Found out a transaction was a scam and had proof of scam but company would not address nor reverse issue. They provided no assistance nor helped in any way then when involving my actual bank cashapp stole the money from my account because my bank assisted
Product: Credit reporting or other personal consumer reports

XXXX weeks ago i went to get a new bank account and they told me that i had a credit card with USAA that was under my name from back in XXXX which i never opened. After looking up my account they also i found that they said i never made a payment on account. After looking back at all my documents they still have my old name listed and after i did a legal name change. I have been a member with USAA since XXXX but know they are screwing up more. It showed that there was no payment XX/XX/XXXX and they are saying it goes off my credit in XXXX of XXXX. This credit account should is not mine but there is documents that is showing that they where in my old name. After i just setup a case with USAA for them to look into the issue my PIN somehow changed and they wont talk to me because now they cant verify me. Somehow after i called them to complain someone has mysterious changed my information. 
I am closing my Account tomorrow with this Bank for they are not protecting members of the armed forces like they used to. 

They can only report to credit on my old name this account was used in XXXX with fraud. 
i just got new legal name change in XXXX and my new name did not have this old debt that was fraud on my old name.
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 am seek appropriate redress for these violations.
Product: Debt collection

I have received numerous calls from XXXX. A XXXX search reveals that this number is a fraudulent credit agency. I have asked them to stop calling me, and I have no outstanding debt - yet they persist. I called them again today XX/XX/2016 to insist that they stop calling.
Product: Credit card

On XX/XX/year>, at XXXX XXXX XXXX, shortly after applying for the Amex XXXX XXXX, I contacted American Express customer service after noticing a more favorable welcome bonus offer for the card. I was initially offered a XXXX-point welcome bonus but requested an adjustment to the XXXXpoint offer I had seen. During the call, a customer service representative verbally confirmed that the adjustment to the XXXX points would be made. My case number with American Express is XXXX. 

Despite this confirmation, multiple follow-up calls to Amex customer service have resulted in my being denied the XXXXpoint bonus. Moreover, I was informed that I am not even eligible for the original XXXX points. This is particularly concerning given that the {$320.00} annual fee for the card has already been charged to my account. I requested a review of the call logs to confirm the offer made on XX/XX/XXXX, but my requests have been met with unhelpful responses, leaving the issue unresolved. 

This situation has caused significant frustration and a loss of trust in American Express. I believe that the companys failure to honor the verbally confirmed offer constitutes a misleading practice. I am seeking the full XXXX bonus that was promised to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud inquires that are not mine i have disputed these before Equifax REFUSES TO DELETE
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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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: Vehicle loan or lease

I had a XXXX XXXX  for 3 years and vw credit. payments made perfect and on auto pay. never a issue. Then I get an XXXX. Its Vw credit or is it audi financial services, who knows. Poor poor communication.. The Truth is  there the same. The dealer handled everything and we did the auto payment again.. By the way they report as Vw credit on credit report but they claim they are Audi financial services. Well The lease was getting going and I had to make the first couple payments per dealer so all the paper work would kick in then the auto pay would start. Well then I did paperless billing which is a mistake because somehow the XXXX and XX/XX/XXXX was not taken auto pay as I understood was going to happen. I didn't get any email that would have alerted me that a payment was past due. They just send a email like access to see monthly statement. No alert whatsoever. Must be saving on employees and as result poor service and communication. I regret I did there paperless because if I was getting the regular mail I could have spotted it. Now I changed it back to mail because I dont trust Audi. Then on XX/XX/XXXX I just so happen to answer some ambigiuos telemarketing call, well yep it was a robo call ( saving money on employees perhaps ) and it was audi financial service saying that I was due for 2 payments which shocked me. Whats interesting is they had my bank account information but didn't take the payments. There system and web site is very unclear.. could be a XXXX disconnect thing, I Dont know. Then I needed to call Audi and tell them its ok to make payments and I get mad why they were not auto taking the payment like I have done for past 4 years. Instead I get some arrogant know it all sounding person and then when I asked that I should not be reported late because this was there technolgy servicing failure in addition failure to communicate they refused.. Its there sales people and there technolgy that failed and failed me.. No more Audi 's or Vw ' ; s I was so mad. Cant rely on sales people, cant rely on servicing and all there passing around of financial paper and then Im the one that had my score drop 80 points because of there screwed up sytems and process.. VW credit reported on my credit. Vw credit was given FULL authorization and it worked perfectly. But they like to pay the game to say they are not VW credit instead they are Audi financial service. Well if thats the case and they are not all one then why are they incorrectly reporting a late payment that should have never happened if they were competent to my credit and handling the account ... LAZY mixed up company out of touch with a good  credit never late paying client.. Foools I have disputed late payment with all bureaus and want that late removed.. I asked them for removal letter and they refused ... unbelievable company.. well they loose, no more audi or vw EVER
Product: Credit card or prepaid card

On my Lowes credit card, I was inaccurately charged {$140.00} interest for XX/XX/2019 ( {$1200.00} ) and XX/XX/2019 ( {$520.00} ) purchases that was returned and/or adjusted. The XXXX purchase was returned and XXXX purchase was adjusted to {$330.00}. Also, the XXXX purchase balance after the return was {$160.00}. This is the second time that I was inaccurately charged interest on returned items/purchases. Also, I paid {$160.00} on XX/XX/XXXX to ensure that I wouldn't be charged any interest, and the auto payment should've also posted to my account. It appears that my payment canceled the auto payment, which should've also prevent no interest charges..
Product: Credit reporting, credit repair services, or other personal consumer reports

On a rotating basis, I request my free annual credit reports from the 3 credit agencies every 4 months. I have no problems with XXXX and XXXX. For XXXX  and XXXX the online requests always work and I receive my free annual credit report without drama. Equifax on the other hand, fails every year. Every time I request my free annual credit report from Equifax the online request responds " Online Delivery Unavailable ''. I am 100 % certain that I answered the questions correctly. There was one question about a credit card I've had since the XXXX and the other questions had nothing to do with me. I answered accordingly. I am convinced that Equifax intentionally attempts to frustrate and deny the online requests because there is no money in it for them and they hope to force people to buy some of their products. The Consumer Financial Protection Bureau should take enforcement action against Equifax and force them to do what the law requires them to do - provide free annual credit reports when requested by consumers to do so. On XX/XX/2019, I sent Equifax a letter demanding they provide my free annual credit report. Enclosed with the letter was a copy of my Social Security Card and Texas Drivers ' License - the documentation that Equifax required. I've still not received my free annual credit report from Equifax. Equifax is flagrantly violating the law and inconveniencing consumers. Please force Equifax to immediately provide my free annual credit report as required by law. 
Thank you.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX CREDIT COLL/USA XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a XXXX   of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLL/USA XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX  Telephone Consumer Protection Act Litigation, Case No. XXXX in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX FL 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 confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX  Account Name : XXXX XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/year> 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 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: Credit reporting, credit repair services, or other personal consumer reports

Basically my personal information such as my credit history, account numbers and more importantly my social security number has been compromised. 
I have already set a credit freeze for any future credit cards that could be opened and I also have enrolled or will enroll on my enrollment date with equafax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled my most resent credit report and found incorrect information listed.There are 2 account that are listed and showing still on my credit report. the first acct is XXXX XXXX XXXX and the other is XXXX XXXX XXXX. My report shows dollar amount and well the account being updated from the creditor. I have disputed these inaccuracy via mail and phone.and was advised the information is correct. By mail with XXXX and by phone with XXXX with a rep named XXXX