23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hi, My name is XXXX XXXX The XXXX  of XXXX XXXX XXXX. 

I did a Job for XXXX XXXX XXXX. And he gave me a payment of {$50000.00}, Chase put a hold on the {$50000.00} and then they decided to put on hold a until they verify the llc, And the way they verify is they call the phone number of the llc that is on XXXX XXXX, And since there is no phone number for the llc on the XXXX XXXX they wont release the money, and are not willing to send back to XXXX XXXX XXXX. and they claim they can keep it. 

Basically they closed my account and they are keeping from me over {$80000.00} and they are putting my small business at risk. I need back the money from chase yesterday
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 violates the Consumer Financial Protection Act. Specifically cash app failed to take timely and effective measures to prevent 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 Funds Transfef Act and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXX XXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 

My Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is : ( XXXX ) XXXX DELETE ANY and ALL other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX WITHOUT RECOURSE Enclosed : copy of State ID and Utility bill showing proof of address
Product: Mortgage

Mr. Cooper, formerly know as Nationstar, is reporting erroneous information regarding my payment history to the 3 major credit bureaus causing me to have undue stress.Since they acquired my account in XX/XX/XXXX from XXXX, there has always been some sort of problem. In XX/XX/XXXX, I spoke with XXXX XXXX a manager regarding the removal of the escrow from my account. He informed me that I had to pay {$2700.00} to have the escrow removed and make my mortgage payments what they previously were {$800.00}. Nationstar received the payment of {$2700.00}, Confirmation # XXXX, however, they continue to put my payments as late payments or missing payments. I have spoken with multiple people there almost on a monthly basis to try to correct this problem. here are some of the names of the employees, XXXX, XXXX XXXX, XXXX, XXXX, XXXX. I have attached my banking information showing the amounts paid with the confirmation number. Mr. Cooper is saying I have a late payment more than 30 days. On XX/XX/XXXX, I spoke with XXXX XXXX regarding my account. She initially stated I was in arrears. After reviewing my account she stated she could see where I made the payments but she could not find where they posted the XX/XX/XXXX payment. After further review she said she found the account where it was posted, a holding account, but did not know why or how to get it removed. I was told she would call her manager, XXXX XXXX, and get back with me within 48 hours. As of today XX/XX/XXXX, she has not called back nor has she responded to my calls to her direct line. My complaints are Mr. Cooper is : reporting erroneous information causing me to have a negative reporting mark, misapplied payment history creating an inability for me to refinance, misappropriation of funds, causing my credit score to be low. 
XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 5XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 8XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX 1XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX XX/XX/XXXX {$800.00} XXXX # XXXX All of the above payments were made via online banking. A copy of the bank statement is available upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Please accept this formal complaint against Hancock Whitney Bank headquartered at XXXX XXXX XXXX, XXXX MS XXXX. This bank is engaged in unlawful practices and predatory lending which undermines the financial sanctity of our society. I am a victim of Hancock Whitney Banks unethical, immoral, and illegal handling of me as a former customer as outlined in this missive. 

I pray that you investigate and take all appropriate action in this matter. 

The above subject matter is in reference to an unfair and erroneous reporting for Account Number XXXX in which Hancock Whitney served as a lender and as I the borrower. 
On XX/XX/XXXX, I purchased a XXXX XXXX of unspecified VIN Number from XXXX XXXX, the Original Seller, of address XXXX XXXX XXXX, XXXX, LA XXXX. As it turned out, the car had several manufacturing defects. Despite my requests to have it fixed sometime in XX/XX/XXXX, the dealership refused to heed to my plea. This is even though I had in place an extended warranty bought in XX/XX/XXXX through the Hancock Whitney Bank which also happens to be the bank through which I was financing the transaction using the abovementioned account number. Since the dealership refused to fix the car, which was in breach of our agreement, I had no other option but to stop the payments. Consequently, the bank repossessed the car on XX/XX/XXXX, and sold it to another buyer in XX/XX/XXXX without any notice given to me, in contravention of the law. Since then, I have continued to bear the financial burden of a vehicle that was repossessed by the bank because of their erroneous and unfair credit reporting. 
Under Louisiana Revised Statutes Tit. 10, 9-611 ( 2017 ) and State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. On the other hand, the Fair Credit Reporting Act, 602 ( 15 U.S.C. 1681 ) provides that the banking system is dependent upon fair and accurate reporting since inaccurate credit reports directly impair the efficiency of the banking system while unfair credit reporting methods undermine the public confidence. 
It is based on their continued unfair and erroneous reporting of the above named account and their contravention of the above laws that I have written to them in the past, including a letter addressed to the Bank on XX/XX/XXXX, which was returned to me as not deliverable. In the letter, I specifically requested that Hancock Whitney investigate as outlined in 15 U.S.C. 1681s-2 and demanded a full account validation and requested that pursuant to Louisiana Revised Statutes Tit. 9. 3571.1, the validation be in the form of a notarized statement with a person with the knowledge of the debt. Additionally, I requested that Hancock Whitney Bank send me an explanation of the methods  used, and the description of the records reviewed in the process of the investigation. All my efforts proved futile because of their refusal and/or failure to accept my letters requesting proofs.
Product: Money transfer, virtual currency, or money service

I use MoneyGram to send money to my relatives in XXXX ( XXXX XXXX ) several times per year. My most recent transfer was on XX/XX/2018. MoneyGram promises a free phone call for the sender to inform the recipient about the transfer and to give the recipient the " Reference Number '' for the transfer. When I was about to make the free phone call, I noticed that my receipt did not show the information for the free phone call. The XXXX # plus the PIN that's needed to make the phone call were missing. 
The MoneyGram Receipt Jacket has printed instructions on how to make the phone call, and includes the MoneyGram Customer Service phone number. I called the MoneyGram Customer Service phone number to get the PIN number so I could complete the free phone call. I spent more than 15 minutes being taken through several menu items, none of which applied to my issue. When I finally got to speak to a live person, he informed me that I had the wrong number. He gave me a new number for MoneyGram Customer Service ( different from the customer service number on the receipt and on the receipt jacket ). The person who responded to this second number, told me that he could not give me a PIN number, and that I have to go back to the agency ( XXXX XXXX   ) where I made the money transfer. 
When I contacted XXXX XXXX, they said they do not control the giving out of the PIN numbers, or what's printed on the receipt. All this is controlled by MoneyGram. XXXX XXXX took my information and contacted MoneyGram for an explanation of the situation. XXXX XXXX told me that MoneyGram informed them that they had discontinued the free phone calls from XX/XX/2018. However, I found this to be untrue because I sent money from the same agency on XX/XX/2018, and got the free phone call then. There was no notice that the free phone call would be discontinued. 
I find that whenever I need to contact MoneyGram Customer Service, they usually provide false information. They usually give the customer the run-around to avoid taking responsibility for solving a problem. If MoneyGram does not improve on the way they treat customers, they should not be allowed to continue doing business. I pay them {$9.00} to send {$150.00}, and they pay a very low exchange rate in the destination country. So they are making money on both ends. At least, if they discontinue the free phone call, they should have the decency to be upfront with that information, and not mislead customers.
Product: Credit reporting or other personal consumer reports

This is a notice to demand the consumer reporting agencies to update my utilization or delete. I, the consumer, have the right according to congress law, to remove or update any information reporting on my consumer report.

Utilization information of my credit card experiences is a violation under 15 USC 1681a2. 


Please apply to all reporting credit consumer agencies.
Product: Credit card or prepaid card

Credit card company is giving me an invalid reason for the decline. 
Credit card company said that they were not able to verify my identity but they didnt call me to ask security question or they didnt ask for copy of ID or social security card. 
The same day of that application I applied for the XXXX XXXX credit card and I was approved for XXXX dollars with the same bank Comenity Bank, there is several times that I been declined for the same reason. 
I called the bank over the phone to the Accounts Protection Team and they asked question and said that the bank does not have any more questions for me and I will receive a letter with the decision the decision came incorrect as I explained
Product: Credit card

i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules.
Product: Debt collection

To whom it may concern : At XXXX XX/XX/2020 portfolio recovery -AGAIN- called my home and hang up this is not my first complaint about their communication tactics the year before I complained. Last year they had called my home repeatedly called hang up, the following day they did the exact same thing except that time was different. They repeated called in one day and kept calling in 3 hours and hanging up and they did it again this time. This is unacceptable and very unprofessional. Im deeply sorry but I have no job to be able to pay my debts Im more then happy to make a payment of {$1.00} if they would like. Other then that Id Like for these repeatedly hanging up calls to stop.
Product: Debt collection

CRA violation no knowledge fraudulent accounts on my Transunion credit report. FTC ID Theft Report # XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : 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 __________________________________________________________ CXXXX 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 XXXXXXXX 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 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit card or prepaid card

On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023 ( tracking # XXXX ). Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account. I have sent 3 letter to Home depot, the letter i received from Citi indicates that they never received anything but Home depot is Citi groups affliated party meaning they should have sent it to Citi group the moment they received the first letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am wondering why you are reporting that I was late with this creditor XXXX XXXX I am in dispute of the information listed, and it is my request that you remove this account from my credit report and send me a new copy that reflects the change.
Product: Student loan

I realized today that It was reported on NINE DIFFERENT ACCOUNTS that I had 3 late payment on my federal student loans that were services through Navient then consolidated to another servicer inXX/XX/XXXX. These late payments are reported from XX/XX/XXXX-XX/XX/XXXX. This has negatively effected my credit report for almost 3 years. I went to the National Student Loan Data website to check my monthly statements. Nothing there. I went to the Navient website to look at the detailed monthly payments tab. There was absolutely NOTHING detailing any sort of payment or late payment. I am still not sure if I was charged fees for these late payments because there is no record of them.
Product: Credit reporting

Experian is suddenly reporting that I am a minor and they make it impossible to correct this. They have no option to contact them by phone and since " I 'm now a minor '' the online dispute feature is not allowed. The only way to dispute this is by mail which will take 10 days. I am in the process of a real estate transaction and this is delaying everything. My banker is running my credit and my SS # is coming up " Not Reported '' where social security number is, then " No hit/no record found, '' and finally, Experian Error XXXX - Consumer is a Minor. '' I 'm XXXX years old and all the other agencies are reporting the correct info. Where they got this info is a mystery.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, my father 's name was XXXX XXXX XXXX, both of us applied for loans under XXXX XXXX XXXX. My father passed away XX/XX/2021. Synchrony bank has now reported me being deceased on my credit report under a Lowes card and a Belk card. I am trying to make a large purchase for which I need a loan. They are refusing to update the information as I am very much alive. Please help!
Product: Debt collection

On XX/XX/23, I sent a second request in writing to dispute an amount this agency is claiming I owe. I have paid off all outstanding balances on any medical debt that I have incurred. Credit Control Corp. has failed to provide me with adequate information within 30 days of my initial dispute several months ago. After a second attempt to demand validation, they did not respond at all. This is damaging my credit and I demand that this erroneous debt be removed from my report immediately before I take legal action against this company and the credit bureau and report them to the Virginia State Attorney General for refusing to comply with the FDCPA and FCRA guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 they received and acknowledged my dispute to Experian, XXXX, & XXXX and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX bank {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX  XXXX  {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX account I want my payment history updated to paid on time for XXXX XXXX {$9300.00}
Product: Credit reporting or other personal consumer reports

This is my complaint, I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX Balance {$3.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$77.00} US DEPARTMENT OF EDU XX/XX/year> XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

They left a message for me and for my mother stating they were calling regarding a complaint that was going to be filed against me XXXX. They are a collection agency and this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Servicing reported our XX/XX/2020 payment as late eventhough we made payment on time. It is affecting our qualification for a new purchase home loan. I reached out to them but the rep told me to just email them. Time is off the essence since we are purchasing a home. Please help. I need Shellpoint to make a correction on our credit report and provide us a copy that the inaccurate report has been corrected so we can buy a new home.