23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I attempted an ATM Withdrawal while in XXXX on Tuesday XX/XX/20 and Wednesday XX/XX/20 from my Cash App Cash Card. 

The ATM 's I attempted to use all provided me with a message stating " Insufficient Funds ''. The balance in my account at the time of withdrawal was {$2000.00}. My ATM withdrawal attempts were for the following amounts ( as stated from my account history ) : {$980.00} {$960.00} {$650.00} {$650.00} {$650.00} After each attempt, I received an email from Cash App listing the attempted withdrawal amount, stating : " This ATM withdrawal was declined for your protection. 
We can not complete that ATM action. Remember, current daily withdrawal limits are {$1000.00}. '' I contacted Cash App Support on XX/XX/20. Their response on XX/XX/20 is that foreign transactions and withdrawals are not supported. 

From their website, https : //cash.app/legal/us/en-us/card-agreement 32.  Transactions in Foreign Currencies. If you withdraw funds or make a purchase using your Card in a currency other than in U.S. dollars, the amount deducted from the available funds in your Card Account will be converted by Visa into U.S. dollars. The applicable exchange rate will be selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives or the government-mandated rate. The exchange rate used on the central processing date may be different than the rate that was in effect on the date you performed the transaction. For each foreign currency transaction, the Bank may assess a foreign currency conversion fee and will retain this amount as compensation for its services. Square will not charge you any fees for foreign currency transaction. '' To me, it seems that Cash App is denying the ability to complete my transaction on a product it is offering.
Product: Credit card or prepaid card

On XX/XX/XXXX I logged into my Chase App & noticed a little box that said something along the lines of " You are already approved for the Chase Sapphire Preferred Card '' etc. It only listed the 1 card so I decided to look around and go to the Credit Journey service they provide through the app. and saw again, I was pre-approved for the CSP card and showed it had a XXXX Bonus Offer and a better breakdown of the terms etc. so I was like ok. Go back through the app to read further at the offer in the app and after clicking a box that I accepted their terms of service ( which there wasn't one ) and me thinking it would link me to an actual application, it pops up I was approved, my credit line etc. I didn't think much of it until the next day when it only shows XXXX points vs the XXXX so I went back to where I saw it and screen shot the info. just in case. I called into chase and spoke to a lady about the discrepancy, she was pleasant and offered to submit a request for the rewards dept. to look into it and stated it was " good I had proof '' & it would take 7-10 business for a response. When I got the response, they asked for a claim code/offer code. I didn't have either so I went through their messaging system on the app to upload the screenshots, proving I was provided the higher XXXX offer. Then from there, it went back and forth that I wasn't offered it and they would no longer respond to my requests on the discrepancy. At that point, I called in on XX/XX/XXXX and asked to speak with a supervisor. I was put on with an Account Supervisor named XXXX XXXX in XXXX, MO. I explained the situation, he proceeded to tell me that they are not responsible for the false advertising through a Third Party ( Credit Journey ) that they offer services through their app. and that they have to deal with the issue of false advertising on the daily due to " Third Parties ''. I do not find that acceptable especially when they provide the services directly on their app. They have refused to honor the higher bonus offer I was clearly offered by the screenshots I provided them. Not to mention, no one told me prior to XXXX 's call that I shouldn't have used my card because that meant that I agreed to the lower promo. I wouldn't have used it.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my credit report, I was alarmed to discover multiple errors that should never have been there. These are not minor mistakes ; they are actively damaging my financial reputation and creating unnecessary obstacles. I will not allow misinformation to dictate my creditworthiness and demand an immediate and thorough investigation.

The following accounts and inquiries are inaccurate, unverifiable, or should not be reported under my credit file. There are multiple collection and charge-off accounts that require immediate removal, including XXXX XXXX with account number XXXX for {$470.00}, XXXX XXXX with account numbers XXXX, XXXX, XXXX, XXXX, and XXXX, all reporting {$0.00}. Additionally, XXXX XXXX XXXX XXXX XXXX with account number XXXX for {$310.00}, XXXX XXXX XXXX with account number XXXX for {$900.00}, and XXXX with account number XXXX for {$6100.00} need to be removed as they are inaccurate. Other accounts that require verification or deletion include XXXX XXXX XXXX with account number XXXX for {$900.00} and XXXX XXXX XXXX  with account number XXXX for {$270.00}. 

There are also multiple unauthorized or unverified inquiries that should not be on my report, including XXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXXXXXX dated XX/XX/year> and XX/XX/year>, and XXXX dated XX/XX/year>. These inquiries were not authorized by me and must be removed immediately. 

Additionally, my personal information is being misreported. My name is inaccurately listed as XXXX XXXX XXXX, with an alternate listing as XXXX XXXX. This is not my legal name and must be corrected. Furthermore, XXXX XXXX is incorrectly listed as my employer and needs to be removed from my file. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that is both accurate and verifiable. If these disputed items can not be substantiated with solid evidence, they must be removed immediately. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution without delay.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. My financial institution and Zelle both informed that recovering lost funds was impossible. This is neglect to the consumer.
Product: Money transfers

I SENT MONEY TO XXXX FOR WESTERN UNION IN XXXX CALIFORNIA XXXX. 
LOCATOR # XXXX. XX/XX/2016 AT XXXX US/TIME. THE RECEIVER NEVER TAKE THE MONEY. I CALL TO WESTERN UNION TO THIS NUMBER : XXXX. THEY TOLD ME. I CAN CANCEL THE TRANSFER MONEY. TODAY IS XX/XX/2016. THEY NEVER TRY TO CALL ME. THEY DONT REFUND MY MONEY ( XXXX USD. I SENT XXXX USD + XXXX FEE ). I CALL TO THEM MANY TIMES BUT THEY TOLD ME A NEED TO WAIT. I HAVE THE RIGT TO REFUND MY MONEY IF WESTERN UNION DOES NOT FORWARD THE MONEY RECEIVED FROM WITHIN 10 DAYS. SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE. PLEASE PAY ATTENTION TO THIS LETTER. BECAUSE THE PEOPLE WESTERN UNION NO LISTEN TO ME.
Product: Mortgage

I did a cash out refinance with XXXX XXXX in XXXX. At the time I had a standard loan with XXXX XXXX and an equity line of credit with XXXX XXXX. Both were contracted and required to be paid off to allow XXXX XXXX to be in the first position. XXXX XXXX only paid the XXXX XXXX. After three months of not paying XXXX XXXX, I was receiving some very bad letters. I paid late fees and setup automatic payments to XXXX XXXX. I found that XXXX XXXX had used the wrong contract to issue payments. I also found that Title Source knew of the leans and changed it to only the XXXX XXXX had a lean. As I found on their own paper work. 
I have spoken to a professional title insurance representative about the problem. He stated the title insurance should cover it. 
I contacted Title Source via phone and they side that they would pay it but I would need to also pay. I agreed and said it would take time, as my cash payout was used to purchase a business and did not know they did not pay off XXXX XXXX. Some time later I contacted them again trying to get it paid and was told it was my problem now and they were not going to do anything. Found out they were able to sell my loan to XXXX XXXX  and were no longer worried because they got their money from XXXX XXXX. 
XXXX -Now with a moment to do more learning, I have found that XXXX XXXX is invested in my loan and one of the requirements for them to be invested is to have the first position on the home. After speaking to an agent at XXXX XXXX, they advised to hold Title Source accountable. As you may know, Title Source and XXXX XXXX XXXX  are sister companies. They are not going to take me seriously. I found this web site today and hopefully a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. Scott v. 
The United States, 328 F.3d 132, 139 ( 4th Cir. 2003 ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. Websters New Universal Unabridged Dictionary, p. 966 ( 2d ed. 1983 ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
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  Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Payday loan, title loan, or personal loan

I called Cashcall about paying them off as I was trying to since I did not know the interest is almost $ 200 % and I have made over {$1000.00} in payments in a {$2600.00} loan and I owe over {$3500.00} I called in to move the date for draft and was advised no problem. Now I get an email saying they are debiting my account for a past amount due to the date being moved. As I advised they never told me about it and how can they just debit my account without my permission. They told me I gave them permission to just debit my account whenever as I advised NO I DID NOT. I asked them to show me in the contract and they said someone will have to call me back. I did not agree to this charge and they have adjusted my monthly payment to reflect the additional fee.
Product: Mortgage

I'm facing  foreclosure with PHH on XX/XX/XXXX.   We submitted a full short sale package on XX/XX/XXXX, which was 36 days prior to the date of my foreclosure.  I am a XXXX year old woman who has faced serious struggles with my property. I attempted a modification in XX/XX/XXXX, and was denied because my insurance company would not assist in fixing pipe damage my property.  I struggled to maintain the home and the mortgage and could not keep up at my age.We called in on XX/XX/XXXX and confirmed the package was received, and the only thing that was an issue was an illegible HUD.  We are kindly requesting that you take this ONE day in to your consideration.  I have struggled enough and do not want to face having my home auctioned from underneath me as well, especially at this time of year in the cold weather.Please allow a postponement in order to do a full short sale review.  If you order a valuation my Realtor can get you access immediately.  Please consider this.  If there is anything you can do to help I would greatly appreciate it.
Product: Credit reporting

There are XXXX hard inquires from Capital One Bank back to back. I only applied once through them. There should n't be XXXX. ( see hard inquiries on report ) Also, I 've tried to file a dispute with XXXX online, however the security questions they ask me end up saying my answers do n't match the information on file and I am unable to get any further.
Product: Student loan

On XX/XX/2017 I agreed to the settlement my private student loan from XXXX XXXX with XXXX and Navient, and received a Settlement Agreement document via email with the settlement plan on XX/XX/2017. The " plan '' as stated on the document was that XXXX would debit my account for {$2500.00} on XX/XX/2017 and the remainder of the settlement amount which included ( 3 ) payments of {$490.00} to be automatically debited from my account on XX/XX/2017, XX/XX/2017 and XX/XX/2017. The payment on XX/XX/2017 was not automatically debited from my account, so I called to ask what happened and was told they could not find my account number, social security number, or reference number as stated on this document. When I called Navient I was told that this loan is now with a different agency ( XXXX ) and this agreement with XXXX is now void and would need to setup payments with the new loan servicer. This is a breach of agreement both on Navient and XXXX. This settlement conversation was made on a recorded line, where these payments were setup to be debited from my account and account settled in full. Navient told me that I did not comply with my settlement amount and that the total amount was all to be paid by XX/XX/2017 - which was not what was sent to me in the Settlement Agreement document. I told them I had a copy of this document which states the payment amount and dates that we agreed to, and can I forward this email to them that was sent to me from XXXX. I was told that I could not email it and I would have to mail it to their mailing address. I have previously sent and received emails from Navient, so I know email is a method they use for communication. After asking to speak to a manager 5 different times, I was told to call a different number ( installation processing department ). By this time, I had explained this situation to 5 different representatives and no one could seem to understand or even care ( despite I had documentation that this is a breach of agreement ). I spoke with the installation processing department and she gave me a direct email address to send the document to, and said to call back in 7 days to see if it was received. In the meantime, I am now getting calls from a different loan servicer everyday ( XXXX XXXX XXXX ) to setup payments on this same loan of which I 've already made a settlement plan with a different company ( XXXX - a which can not seem to find my social security or account number, but debited my bank account for {$2500.00} for the initial payment of the settlement just 3 weeks ago ). This particular loan has gone from Navient, to XXXX, to XXXX, back to XXXX - so I never know where it is until I start getting harassing calls from the " new '' company that now has the loan. I am trying to repay but they are making it impossible and a uneasy experience - I feel like I 'm throwing money in all different directions and nothing is being paid off.
Product: Checking or savings account

On XX/XX/XXXX received email from chime of account closure and transferring my savings to my checking so I login to take money out and I can not login and access account anymore mins you they sent the email the same day they closed my account not giving g me time to take money out I am a single mother and have XXXX  XXXX XXXX bills coming up and without money it is crazy and ridiculous
Product: Payday loan, title loan, or personal loan

Contacted the collection agency about the debt. The collection agency is AD ASTRA RECOVERY. I asked to be sent verification of this debt, but was told that I would have to make a payment in order to receive it. Made a payment and never received verification. Contacted AD ASTRA RECOVERY twice afterwards and still have not been given a verification letter for the XXXX.
Product: Payday loan, title loan, or personal loan

I have an installment loan with Navy Federal, which I have had for over two years. I make monthly payments and occasionally, when I am unable to pay on the due date, I call and schedule the payment to be deducted from my checking account within 30 days of the due date. My loan payment is due on the XXXX of each month and my paychecks are deposited automatically to my account every two weeks. 

In XX/XX/XXXX, we were unable to pay the loan within 30 days but I knew that I would be able to pay it on XXXX XXXX ( my next pay day ). On XX/XX/XXXX, Navy Federal deducted the XX/XX/XXXX payment ( {$1600.00} ) from my account automatically as soon as my paycheck was scheduled to hit my account. Then on XX/XX/XXXX, they deducted another {$3200.00} from my account automatically and applied it to the loan for the payment due on XX/XX/XXXX and XX/XX/XXXX. This was done without my authorization and without notice. 

A brief search online reveals that this pattern and practice is rampant by Navy Federal and they routinely access their customers ' accounts to make payments on Navy Federal loans, advising that this was a term of the loan when we entered into the loan years ago. I have now spent 5+ hours on the phone with various representatives to try to have both the XX/XX/XXXX and XX/XX/XXXX payments reversed immediately. But the bank refuses to issue a refund for the XX/XX/XXXX payment ( today is XX/XX/XXXX ) citing that my loan is past due. Note - they deducted the XX/XX/XXXX payment from my account the day after the due date. It took me four hours to get them to reverse the XX/XX/XXXX payment, which again, they applied a full month before it was due. 

I am on the phone with them yet again and it is unreasonable to expect anyone to have to spend over five hours resolving an issue like this. In addition, this is not the first time this has happened. I have scheduled payments with Navy Federal and their system would still sometimes go into my account and withdraw funds to pay a loan. I would expect that the bank would be required to notify customers BEFORE withdrawing funds from their account, even if the bank believes it is entitled to such funds. They can reach me by email and phone, yet I received no messages indicating that they were going to withdraw over {$4000.00} from my account in a 24 hour period. 

Perhaps the most frustrating thing about this matter is that it appears that supervisors are unwilling or unable to ever get on the phone to assist a consumer. They are nameless, faceless and voiceless people, who send their responses through the front line representatives even when the decision being made is unreasonable and unfair to the consumer. 

I ask that you look into this as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reported inconsistencies in the months between XX/XX/2019 XX/XX/2019 by identifying/reporting inconsistent late and on time payments for stated months and therefore not consistent. The account was eventually charged off yet that also was not reported on the account. I asked for documentation such as signed application proving this inquire made myself or otherwise contact the national credit bureaus to have them delete the disputed item as soon as possible.
Product: Student loan

Upon submitting payment we are told that we may incur a late fee. I now found out, after paying for roughly 10 years, that the may had changed to a will. I notice in my account history it shows a late fee charged than credited. For 25 months there was no credit. I also had a dispute that lasted months in regards to the monthly amount due. It had doubled with no explanation. The first two hours on the phones with multiple reps led to no avail. It took several months to adjust. I have been trying to remove my cosigner for years. I have had XXXX loans for a house and a car loan approved since the first denial. Obtaining the denial form was also nearly impossible in which a runaround had occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 A letter was sent to American Honda Finance requesting payment history and documents to support what is reporting to the bureaus. I have yet to get any response. 

I then followed up with the bureaus on XX/XX/2020 via fax. The silence is deafening. Inconsistent data continues to report with errors. 

I will attach the documents I had sent to the bureaus along with the report. I am going to list the inconsistent misleading data. 
Date of first delinquency is not listed Purge date is not listed Date of last payment is not consistent Date opened is not consistent Late dates are not consistent