23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Mortgage Company ( US BANK ) has falsely denied my XXXX written attempts to get assistance to refinance my mortgage or extend my forbearance. This was due to COVID in early 2020. All of which was denied with no legitimate reason. The lawyer which I didn't hire due to lack of money, said this is quite common and he called it a carrousel. Each time I called US Bank, I took notes of the phone conversation. Each time they lied about the due date for the applications.
Product: Checking or savings account

I attempted to withdraw my own money from my savings account at XXXXXXXX XXXX XXXX XXXX to my brokerage account on XXXX XXXX. They blocked the withdrawal without letting me know the reason, and it doesn't even show under the 'transfer on their website ' history. They also froze my account, so I am not able to withdraw my money. 

Over the past XXXX days, I called them around XXXX  times to resolve this issue, and have been passed around from XXXX employee to another 'supervisor level '. At the XXXX  and XXXX  call they said that they could not do anything over the phone ( which is all they have, they don't have physical branches or even emails ), because they were not able to verify my identity in their system. At the second or third call, they promised that someone would call me back in XXXX business days to resolve the issue. I was never made aware, nor could anyone provide me with what the issue is/was? I was informed that they could not use my current phone number to verify my identity. Then they asked for 'what state is my Drivers License issued, and when I said XXXX ' XXXX I was told that they aren't able to verify for this State. XXXX is blocking me from accessing my funds, whilst not offering any way to solve an issue ( which I am not even aware exists ).
Product: Debt collection

This is in response to a recent claim regarding account # XXXX, which PROFESSIONAL FINANCE CO claim a collection account on my credit report, stating I owe {$210.00} Which I found on my credit report and have been trying to come in contact with the company via mail but always get my letters returned with no luck of finding anyway to come in touch with them. 

To PROFESSIONAL FINANCE CO I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX XXXX   and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receiving this may result in small claims legal action against your company at my local venue. 

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
I wished to be contacted by the company via Mail only.
Product: Checking or savings account

I opened a PayPal account about 3 years ago with my email XXXX. when I attempted to use this account recently and since I didn't have the same phone number I was having issues. I created another PayPal account and I contacted PayPal and let them know. Now I have roughly {$900.00} dollars in my account and they limited my account. I submitted all the documents requested and they told me 72hours or less I would revieve access. I waited the 72hours and now they are telling me another 72hours. I Sold these products on ebay because I need the money. My family is struggling due to covid and I being out of work and I can not afford for them to continue to tell me to wait.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( Block , Inc ) due to the inadequate customer service and unfair practices, which violated the Consumer Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent 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 and Regulations E ( EFTA ) These actions caused significant inconvenience and financial loss, I seek appropriate readdress for these violations.
Product: Money transfer, virtual currency, or money service

For a mobile transaction, this is your receipt. For all other transactions, this is a summary of your online receipt. 

Your tracking number ( XXXX ) is : XXXX Transaction Date :XX/XX/XXXX XXXX ET Payment Method : Card Number : XXXX XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Sender : Name : XXXX XXXX Address : XXXX XXXX XXXX City : XXXX State : NC XXXX : XXXX Phone Number : XXXX Receiver : Name : XXXX XXXX XXXX City : XXXX State : TAB Country : XXXX Expected Payout Location : XXXX, TAB, XXXX Payment Information : Card Type : XXXX XXXX Number : XXXX Expiration Date :XX/XX/XXXX Transaction type : Purchase Payout Information : Today 's Date : XX/XX/XXXX Date available in receiver 's country :XX/XX/XXXX Delivery Method : At any agent location in receiver 's expected payout location. 
Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Any promotion discount already has been applied Transfer Summary : Exchange Rate : XXXX USD = XXXX XXXX Transfer Amount : XXXX XXXX Total XXXX XXXX For all transfers, receiver may receive less due to foreign taxes. For transfers to a bank account, receiver may also receive less due to fees charged by the receiver 's bank. 

You have a right to dispute errors in your transaction. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the Receiver at XXXX or https : //care.westernunion.com/us/en/ask You can also contact us for a written explanation of your rights. 

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.
For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail Western Union or write to : Western Union Financial Services , Inc . 
XXXX XXXX XXXX, XXXX, CO XXXX or call : XXXX For questions or complaints about Western Union, contact : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) http : //www.consumerfinance.gov/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX http : XXXX  Western Union also makes money from currency exchange. 

If your payment method is a credit or debit card please note card issuer cash advance fee and associated interest charges may apply.
Product: Mortgage

I applied for a loan from New Day and they did not tell me that I had to pay some accounts off my credit report that had been charged off. They decided to issue me checks from my proceeds to pay them off without my consent. They changed the terms we agreed to after we signed the papers and did not let us see the paperwork for these charged off accounts that they were paying. We had gone over the accounts we wanted to pay with their agent, XXXX XXXX and told him we did not want to pay those charged off accounts. He decided to pay them off anyway and told us we had to pay them for the loan to be approved. If he had told us that in the beginning, we would not have taken out the loan. We have told them we do not want to pay those accounts and they refuse to release our funds. I think they have committed some fraud by not telling us what they were doing and hiding it from us. Can you help us with this?
Product: Money transfer, virtual currency, or money service

My cash app acct is $ XXXX  I sent {$20.00} pre-delivery service for a sofa. 

Total and balance would be paid in full once sofa was delivered. ( {$60.00} ) I cashed app XXXX XXXX $ XXXX {$20.00} right after she cut me from group chat and all communications with me. 

I immediatly reported the her account as Scam in a cash app and requested a refunsed which she rejected. 

I followed cash app step by step instructions for my refund and nothing. 

I decided to call Cash App Saturday but customer service line is only open M-F. 
Monday I personally taled to a cash app rep and they said they can not refund my money!!! this unaccetable. 

I know I am not the only victim here, we work hard for our money to give out to a scammer.
Product: Payday loan, title loan, or personal loan

I got a loan from XXXX XXXX XXXX for {$5000.00} to aid me in opening a business. For the next 15 months I had beeen making payments of XXXX XXXX monthly. Three weeks ago the vehicle was totaled by another driver so I called to get the payoff amount and I was told it was {$6400.00}, I asked why the payoff balance was so high after making payments for 15 months and I was told that none of the payments or add it to the principal and they were only interest when I asked how they calculated the final payoff I was told it was 100 % of the principal +2 additional months of interest. I did not think this is fair because I have been diligent about making the monthly payments I was under the impression that a portion of the payments would be applied to the principal.
Product: Credit reporting or other personal consumer reports

Recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting account that I have not opened it doesn't belong to me
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action violates federal law and my rights as a consumer. 

XXXX  XXXX XXXX XXXX XXXX Account XXXX
Product: Credit card or prepaid card

We have been holders of the Amazon credit card ( Chase ) for many years. Over the past 10 years or so, we have paid every monthly balance in full AND on time, and have accrued no interest. On the XXXX statement, the balance due was {$1800.00}, and I inadvertently paid only {$1600.00}, leaving a balance of {$170.00}. On the XXXX statement, we were charged {$21.00} interest for the shortage. By my reckoning, that amounted to about 145 % annual interest for the shortage. We then paid everything that was due, plus the interest, plus a few dollars just to be certain and ON TIME! On the XXXX statement, Chase charged us {$38.00} for a fully paid balance! Their answer to me was that since we were short the previous month, they had a right to charge interest whether it was due or not. I requested the interest be waived, and they said it simply ca n't be done. Is n't this usury?
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached and leaked out to the public and someone is trying to apply for credit and placed lots of inquiries on my credit report Experian stated to me that they have never received my information when it was received by mail and tracked that experian received my information and lost it I have been in a emotionally distressed state and I seek to file a lawsuit if this situation is not resolved I request all 3 credit companies update my information and make corrections
Product: Credit reporting

For most of my life, I 've used cash and never really knew what credit was growing up. Over the last year, I noticed some fraudulent items on my credit that I did n't open. They are all over the XXXX Texas area, and the local police department does n't want to seem to help because its hard to find them. My credit suffered, not as I used it anyways but still, I do n't have a good start. I went online a couple of times to dispute stuff, and nothing happened. Since having my report ran and talked with the federal trade commission, they advised submitting documents to credit bureaus and the negative source who is saying. And to keep responses and when it was sent.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries credit inquiries I have no knowledge of here are the inquiries that I've found : XXXX  XX/XX/XXXX Account # XXXX, XXXX  XX/XX/XXXX Account # XXXX. Hard Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX. Please remove the fraudulent inquiries and collections, and charge off from my credit report. 
Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting

Equifax, XXXX of the XXXX credit reporting agencies refuses to remove outdated information regarding a chapter XXXX dismissal that has been over 7 years. The XXXX other credit reporting agencies ( XXXX and XXXX ) has already removed this item. Equifax claims that their policy is 10 years for non-discharged OR " non '' dismissed bankruptcies, however I believe that several of their employees is not reading their policy correctly due to the writing of this policy. The outdated information on my Equifax report shows a Chapter XXXX that was dismissed in XXXX XXXX, 2007. It has been almost 8 years and still showing only on my Equifax report. There should be no reason why they can not remove it as the bankruptcy filed was never adjudicated. There has been indication that a handful of people have been able to successfully remove this same issue and it seems like it depends on the Equinox personel working on the case. Why is it so inconsistent and the company does n't seem to communicate their company policy with every employee. I have failed XXXX already so it seems like my luck is not on my side. Please help! Thank you!
Product: Credit reporting or other personal consumer reports

I have submitted disputes regarding inaccuracies on my credit report, but they are not being investigated or resolved fairly. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers are required to conduct a reasonable investigation and correct any errors. If my disputes continue to be mishandled, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to ensure my rights are upheld.
Product: Credit reporting or other personal consumer reports

Improperly used my information violated my rights under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also using a bankruptcy that was back in XXXX  on my credit report
Product: Debt collection

I have filed a requested debt validation letter to a company called Diversified consultants. I received a letter back showing a statement only, from the original creditor with no signatures or copies of information I requested on XX/XX/2018. I resent another debt validation letter with a ( POA ) on XX/XX/2018 email. A certified letter was also sent and received by their office on XX/XX/2018. Diversified Consultants have failed to validate the debt as requested with the information we originally requested from the first letter on through the third letter. I have tracking number and emails to prove my complaint. In Texas you can request a validation of debt within 5 days if finding a mistake from our original validation request. Diversified Consultant has failed to re-send our requested validation of debt in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

The two companies that are involved is XXXX XXXX XXXX and XXXX XXXX XXXX, The companies have not came to an agreement on a pay off and my credit is now been effected. Since I traded my car in to XXXX XXXX, The complaint is that XXXX XXXX XXXX believes that XXXX XXXX owes money still, XXXX I dont mind feels XXXX XXXX XXXX is trying to get more money out of them the necessary, I need help with my credit being fixed because XXXX XXXX XXXX Has falsely reported on my account and I have lost XXXX points in total and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible, Has falsely reported on my account and I have lost XXXX points and total and my payment was at a XXXX XXXX and now its at a XXXX and now I can not get a loan because of this matter still I have not heard anything back from either one of them I consistently called them and now I need someone to step in for me to help me get this fixed I was told because I contacted state of Minnesota office of the Attorney General and they gave me this information and said you may be able to help me with the credit portion please have someone contact me as soon as possible thank you
Product: Credit reporting or other personal consumer reports

I reached out to transunion twice in the XXXX and XXXX to have inquiries removed from my report. I have been a victim of fraud. I have an active alert on transunion. No one should be able to run my credit for any reason without a password. Also all inquiries that are not connected to active accounts do not belong to me. I would like to have these inquiries removed. They should have never been in my credit. 
Transunion has not cooperated with me in getting anything removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX AND TRANSUNION the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, MO XXXX , XXXX XXXX XXXX XXXX XXXX, MO XXXX , XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX, XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00}, XXXX XXXX XXXX Balance : {$0.00} , XXXX XXXX Balance : {$420.00}, XXXX Balance : {$400.00}, XXXX XXXX Balance : {$300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX