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

Received Cashapp debit visa card in late XXXX XX/XX/XXXX, called customer support immediately XXXX and requested to cancel the card. customer support acknowledged and confirmed that the card is put for cancellation and will be done, no need to worry. 

On XX/XX/XXXX, received 1099-K amounting {$760.00} under XXXX XXXX. Called again CashApp customer support, they were directing me to identity theft for complain registration. They can not help anything in this matter as they were unable to verify me with my phone number or email. 

However, after 2 hours 30 minutes of call with XXXX XXXX XXXX  XXXX a case XXXX  XXXX was registered with cashapp. Received replay to login to my cashapp account and request, for which I do not use cashapp. 

Tax filing is nearby, I'm really worried about the situation, please advise my next steps if I need to report local authority etc., This might have happened due to data breach at XXXX, all of our family members and minor data exposed. Someone is using our data in applying cashapp, filing taxes etc., We have placed a freeze on our credit not sure how cashapp has issued visa debit card. 

Regards
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification 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 Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old. 

Thank You,
Product: Mortgage

I received the correspondence reference number # XXXX. 
I know that my taxes have been paid because I paid them. When I called the County, they stated that they did not have a payment from United Wholesale Mortgage on file and that the only electronic payment that I had was the one that I had paid.

When I called your company to inquire more, it was stated to me by one of the representatives that a check was sent from the department to County putting our escrow in the negative. The check number is XXXX, and it was sent on the date of XX/XX/year>. 

I put money into my escrow on XX/XX/year> from the Escrow Overage that was sent to us. I have also attached my bank statement highlighting where I paid my taxes online, which made my payment valid first. I have already verified with XXXX Tax County that they have never received a check from United Wholesale Mortgage. 
I paid the taxes first because they defaulted, which is why I paid them. 

The check that was sent was NEVER processed by the County, and that {$4300.00} is owed back to our escrow account since we already took care of the taxes electronically The USPS tracking number that UWM provided me also has no history of being mailed either PAYMENT WILL BE SENT VIA : USPS - PRIORITY XXXX
Product: Debt collection

This company reported to my credit a debt that doesnt not belong to me. I never received a bill. Based off the report the debt was sold however it does not belong to me. I did not use these services and they refuse to report correctly. I never received a notice or any documentation.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

In XX/XX/2023 I received a mail correspondence from XXXX XXXX XXXX XXXX XXXX saying I owe money to XXXX. I replied to them saying I have paid my debt and they have since then stopped contacting me. Now I am receiving another correspondence from a different debt collection agency, Maury Cobb & Associates LLC regarding the same debt. I have paid my debt and need all future debt collectors to leave me alone as I am unemployed and having financial troubles and don't need past resolved troubles bothering me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & Experian continue to report public record items their vendor XXXX is no longer reporting in blatant violation of the FCRA. Additionally, Experian has maliciously thru deceptive practices hidden the identity of their public records vendor in an effort to harm consumers ( ( EXPERIAN PUBLIC RECORD SETTLEMENT Case No. XXXX ( XXXX. XXXX ) and Case No. XXXX ( XXXX. XXXX ) United States District Court for the XXXX XXXX of Virginia ) ) I am requesting CFPB investigates these matters ... 

XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian PUBLIC FILINGS XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sent money to support my brother back on XX/XX/2022 Ria Money Transfer https : //www.riamoneytransfer.com/us/en never told it will take four business days to complete. But after the transaction is submitted now they are intentionally sitting on the money in the name of security. They have already taken funds from my account. I have visited there XXXX page that complaint common, partially because of accountability, which they think no one can ask them. 

I called their compliance department on XX/XX/2022, and provided all the information they asked about the beneficiary. The compliance officer told he let the transaction leased right after the call, but that never happened. In fact she cheated. 

My transaction numbers for reference. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- On [ Date ], I sent a letter to TransUnion notifying them of the reinsertion of Inquiry : XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - On [ Date ], I sent a letter to XXXX notifying them of the reinsertion of Inquiry : XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, TransUnion and XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
TransUnion and XXXX actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with TransUnion and XXXX they have neglected to take appropriate action, demonstrating a lack of accountabilitv and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint as the Transunion and XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/, 2021 and have not heard back from anyone. These are the disputed account is XXXX XXXX XXXX Account number XXXX XXXX wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report.
Product: Money transfer, virtual currency, or money service

I have XXXX or {$670.00} ( current USD conversion rate ) sitting on my Paypal account and can't be withdrawn. I traded bitcoin online and have chosen Paypal as form of Payment. I had traded my bitcoin with XXXX and sold it through XXXX ( XXXX XXXX XXXX ) back on XX/XX/2021 and had received my payment in Paypal the next 24 hours in gradual payment. Along with Paypal payment confirmation is a message that says my account is on hold. They asked me for documents and receipt and I have provided those documents transparently and had even provided a detailed information on how I was paid and what product I had sold and where, of course. Now, on XX/XX/2021 Paypal emailed me saying that I can no longer do business with them and after logging in to my account, they said they will hold it within 180 days. The email address linked to my Paypal account is XXXX. I really believed and have trust with the US government and as a XXXX, I enjoy working with clients from the US. I hope that this will be sorted out because that was a hard-earned money and it is needed most as a citizen of a third world country. I would thank you in advance for any help you can offer to me. Thank you!
Product: Debt collection

XX/XX/XXXX and XX/XX/XXXX debt was sold to CSR I was not aware of this and had paid the doctors bill office the money due.
Product: Checking or savings account

Hello, I have {$730.00} in my Chime Checking Account. Chime closed my account after years of having an account with them. They told me " Weve identified activity on your account that does not comply with the terms of Chime 's Deposit Account Agreement. '' When I asked them to reopen my account so that I can withdraw my funds, they told me " we can't do that because it's against our policy, even though it's a simple click of a button, it's our policy. '' They told me that they'll send a check in the mail to the address to my former address after 30 days, which I have informed them that I no longer live there. 

After informing them that I no longer live there, they said that they're still going to send a check to my old address which is in a different city and most likely has a new resident in it. 

I've informed them that the only way for me to retrieve my funds is for them to reopen my account for 1 day and allow for me to transfer my funds out to my new bank account. 

Chime has locked me out of my account, with my funds locked in the account. I'm contacting CFPB, so that I can gain access to my Chime account for 1 day, and transfer out my funds.
Product: Debt collection

CENTRALPORTF is claiming that I owe them {$8400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit card or prepaid card

I opened a Barclays account through XXXX to finance a laptop. Once I paid off the balance I closed the account but it didn't close rather 2 new accounts opened without my consent or knowledge.

On one of the " new '' accounts I received a statement via email saying I had a balance due. I phoned the number and reported this as fraud. I spoke with the fraud department again on XXXX XXXX and they said the charge had been declared as fraud and removed and a credit was posted on XX/XX/XXXX. 

On XXXX XXXX I received another email saying : " Your account is now seriously delinquent. We want to help and may be able to offer you options to prevent this account from being charged off on XX/XX/XXXX. 

But you must contact us immediately. '' I have spent hours on the phone with this company trying to close the two fake accounts that were never opened by me and to get the balanced removed off of my record! 

Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I purchased {$500.00} worth of bitcoin on Coinbase 's app with my XXXX credit card, but the the coin did not come through. On XXXX XXXX they sent me an email saying : " On XXXX XXXX, XXXX, you ordered XXXX BTC via your payment method for {$500.00} USD. 
Unfortunately your transaction has been canceled by our banking partner. If your payment method was charged, you will receive a full refund as quickly as possible. If you have any questions, please contact our customer support team. 

We apologize for any inconvenience! '' I have emailed them a couple times since then and they have been unresponsive.
Product: Checking or savings account

Chase Claim number XXXX. I am seeking {$60.00} reimbursement for two stop  payment fees on two checks that were deposited in an ATM machine and lost by Chase bank. I had to go to the two makers of the checks and confirm that the checks had not cleared their banks ( the checks had not ) and request replacement checks. A Chase employee had told me to get new checks made and that Chase would reimburse me for the stop payment fees that my clients charged me. On XX/XX/XXXX at XXXXXXXX XXXX, I attempted to deposit {$1200.00} in cash and five checks in an ATM machine located at XXXX XXXX XXXX XXXX XXXX Fl. The ATM machine gave me the message that it was unable to process my deposit and to call XXXX. Unfortunately the ATM machine did not return the cash or the checks. Eventually the {$1200.00} in cash and three of the checks were credited to my account. I call Chase and told them that two checks and not been credited to my account. The Chase representative told me to go to the makers of the to checks and get replacement checks issued. When I asked about the stop payment fees for the two lost checks, I was told to have the makers issue the checks for the original amounts less the stop payment fees and that Chase would reimburse me. I went into my local Chase branch on XX/XX/XXXX at XXXX XXXX to deposit the two replacement checks and to get reimbursed for the {$60.00} for the stop payment fees that the makers of the two missing checks and charged me. I spoke with XXXX XXXX ( who was helpful ) he called a Chase employee named XXXX ( he would not give me his employee ID or last name He was unhelpful and rude ). He told me Chase would not reimburse me and that I should get reimbursement from the makers of the two replacement checks. I can not ask the makers of the checks to pay the stop payment fee because the original check that was issued to me never cleared their banks and I can not produce the original checks because I deposited them into a Chase ATM that I was never given credit for. I was surprised that the checks were never accounted for when a Chase employee opened the ATM machine. I did cloud the waters by not have an exact total for my deposit when I initially contacted Chase so I  was advised to estimate the total which I did at {$5000.00}. The only reimbursement that I need from Chase is for {$60.00} for the stop payment fees for the two replacement checks. The deposit I was credited with originally of {$5000.00} with a debit of {$1600.00} for a total of {$3400.00} I agree with. ( 5000 - 3400 = 1600 ) The detail of the deposit for {$3400.00} is cash {$1200.00}, check {$150.00}, check {$600.00}, check {$1400.00}. On XX/XX/XXXX I deposited the two replacement checks of {$200.00} and {$520.00}.
Product: Debt collection

My internet bill went from {$60.00} to {$130.00}. Which is billed a month in advance. This increase came with no warning. When I received the bill I called XXXX  and requested service to be terminated. I returned the equipment and subscribed to another company with lower rate. After talking to XXXX I was told that the charges would be credited and owe nothing. This company is trying to collect on services that I did not receive. I have not received any notices from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I disputed fraudulent charges on my account online and called Citi to ensure they would be resolved. I was assured they would be taken care of but only some of the fraudulent charges were resolved, not all. This has caused my +800 credit score to drop 72 points. I have called 5 times and wasted hours trying to get a resolution to the remaining charges but nobody has been competent enough to tell me what is happening. I am now at the point of being forced to contact a lawyer for a miniscule {$18.00} balance on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Navient for my federal to and applied for a deferment with a representative and 2 days later they reported account as delinquent and my credit decreased 90 points. Once the deferment is in place my account is brought current. I called on friday the representative apologize and said they would not fix what was reported to the credit bureaus. 

This is horrible I just increased my credit 100 points and due to their error my credit score is paying for it.
Product: Credit card or prepaid card

I disputed transactions that occured on my american express, I was not aware of these charges, They disputed the entire amount canceled my card then it happend again with the 2nd card on my account with the other authorized user had, Same type of large transactions, Slowly but surely I! m seeing the older disputes put back onto my new balamce again, I do not even have access to any americam express cards, I tried to call I get the run around. Now this 2nd card needs to have these charges disputed, Why did they not send me a letter about these new charges, why did they not block the charges since they were feom the same store the orginal disputes came from. This is insane I am not aware of these last time or this time.
Product: Vehicle loan or lease

I contacted PNC Bank with a request for an amortization schedule. PNC call center representative did not send me an amortization schedule ( showing a bifurcation of the principal and interest ). I have seen a discrepancy in the amount of interest being charged during occasions where I have made a larger monthly payment to account for additional principal. PNC sent a payment history only in XXXX. This information does not clearly indicate how the monthly payments have been applied - principal versus interest. I called PNC again XX/XX/XXXX and requested my request for this documentation be escalated. XX/XX/XXXX a different representative from PNC called me to verbal explain how to read my statements. I find this rather condescending. I continued to request a payment history/amortization that demonstrates the bifurcated information. PNC continues to refuse to provide me these details. I am merely attempting to audit their methodology in how payments are applied correctly. This latest representative stated that PNC charges a daily interest amount predicated on the number of days between each month. I find this inconsistent with my other auto loans wherein a fixed amount of interest was applied to each monthly loan amount. Based on my previous experience with auto loans, I feel as though PNC is applying my overage payments to interest rather than principal. I feel they are unwilling to provide transparent information about my auto loan.
Product: Checking or savings account

Netspend All-Access has a hold on my money in my checking account. I get XXXX  XXXX deposited once a month and have been having this deposit for years with Netspend. This month i went to withdraw my funds that were deposited and Netspend would not allow me to have my money stating I owed money on other accounts. I do not have knowledge of other accounts. They could not tell me anything about these accounts other than they had high negative balances and they were not giving me my money until I paid off those accounts. I can not get them to investigate those other accounts, I can't get any information regarding these other accounts. I'm XXXX and that money is the only money I have to live on, i purchase my medications for my illnesses, i see my doctor, pay my rent and utilities and pay my car payment. Everything is due right now and i can't pay anyone because Netspend will not let me have access to my money. This started XX/XX/2022. I will lose my electricity, my car will be past due, i will lose my insurance, phone, and most of all, i can't see my doctor on Tuesday and get my monthly medications which I must have. They simply will not help resolve this issue. I feel it is fraudulent because I do not owe any money to them and if they are a prepaid company, how is it anyone could even owe money. They will not help me.
Product: Credit card or prepaid card

On XX/XX/XXXX, a fraudulent purchase was made on my account through XXXX for {$640.00}. In my monthly statement activity review I recognized it and quickly reached out to the vendor who cancelled the transaction. I then reached out to Barclay 's and notified them of the transaction, supplied them with documentation and was told I would have the information investigated. I called monthly for updates and was told continuously they would begin the investigation. 6 months went by and I was confused by no correspondence. I was again told an investigation would occur. I told them it is unfair that this continued with no resolve while I paid interest charges on a purchase I did not make. They removed the charge in XXXX along with the interest only to add them all back. I only realized this due to my normal minimum payment of double digits $ $ jumping to $ $ XXXX This company has continued to give me the run around and will impact my credit in the process. I am frustrated that this is still something I must contend with after over a year. Please help. They will not resolve and have added another late fee.
Product: Mortgage

I would like to receive the two ( 2 ) recorded call transcript dated XX/XX/2022 at XXXX XXXX  PST and XX/XX/2022 at XXXX XXXX  PST. I would also like the photo contents of the payment envelope date XX/XX/2022 for loan XXXX. Payment was made for XX/XX/2022 in the amount of {$7000.00} check dated XXXX which was cashed.