23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I tried to log in to my account because I wanted to put a security freeze on my account on XX/XX/XXXX. I was unable to log in and prompted to call the XXXX. When I called Equifax I was told to send in my drivers license to update my address because I spoke with someone before on the phone about disputing XXXX  XXXX XXXX  as a duplicate account. He verified my address XXXX XXXX XXXX XXXX XXXX Mi XXXX  XXXX. I told him XXXX  XXXX should not be on my report as part of my address. Now Im locked out of account and being asked to send in my DL and SS number to Equifax. Someone already stole my identity Im not sending that information through the mail. That XXXX  XXXX been on my report since 2015 when I bought my house new construction. XXXX  XXXX or lXXXXt XXXX was only during construction of my house and not part of my address. I closed in 2015 why is this a problem removing from my report. This was never a part of my address. I never reported this XXXX  XXXX or XXXX  XXXX to equifax so why is it on there. I need this removed asap. XXXX XXXX pops up when you put in my zip code. But my DL is XXXX Mi XXXX. Its not my fault that it come up XXXX XXXX mi when my zip code is put in. This has been a problem for years but I still get my mail packages etc with XXXX mi or XXXX XXXX mi.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is protected by the Cares Act. Capital One refuses to follow the law by refusing to update the late payments associated with this account. According to the Cares Act Under new agreements with creditors once the account is brought current the late payments have to be updated to current which Capital One Auto finance has failed to do. Please update my credit reports and remove all late payments from XXXX, XXXX and XXXX associated with Capital One Auto Finance.
Product: Checking or savings account

Bank manager at XXXX business manager and bank manager open my account told me she just needed verification for my address but it wouldn't affect my account and no kind of way I put in the {$200.00} cash deposit to open savings and checking made a XXXX check deposit soon as after I made a deposit my account has been closed ever since then and restricted she advised to me to bring business verification which I did she stated to several corporate supervisors it was other reasons why she didn't over to account due to that lack of information for business which was a lie also she stated to me and I corporate manager that she was dispersing funds on XX/XX/XXXX in a form of a check and the charge back to the check of {$3600.00} and {$60.00} to XXXX XXXX from my home insurance company for my furnace being broke it's almost a month later I haven't received the funds soon as I made an inquiry to her that I was going to make a complaint on the actions and the performance of her duties and the lies she told about my account not being able to be open due to lack of business information ever since then my money 's been in limbo or loss or stuck with key bank also I will be hiring a lawyer to retrieve my money back
Product: Mortgage

I know that the XXXX branch of Cross Country Mortgage ( owned/run by XXXX XXXX XXXX, rather than using a secure XXXX network to transmit the MOST sensitive information possible, is routinely using the unsecured GUEST network of their neighbor, XXXX University XXXX XXXX, for all of their internet activity. The branch employees do n't even know the correct password to their own network.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. And I seek results from these violations.
Product: Debt collection

The company, XXXX XXXX is seeking wage garnishment via a collection company by the name of lyons, doudy, and veldhuis for a debt that did not belong to me from 2006. At the time, I had just graduated highschool. I had spoken with them multiple times to advise that the debt did not belong to me. My identity was stolen by my step mother who is not deceased. I have tried everything to get these creditors to investigate the matter further, however they have not been willing to work with me. It is creating so many issues with my life and I am running out of options. I need help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX MD XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB, Subject : Complaint Regarding Charged-Off Accounts I am writing to formally lodge a complaint regarding a charged-off account that are affecting my credit report and financial standing. The details of these accounts are as follows : Bank of America Account # XXXX and Account # XXXX Bank of America has charged off this account. Once your debt is sold to a third-party debt collector or considered charged off, it becomes a certificate of indebtedness. This means that it is now considered income and can not be reported to your credit report. It is important to have these accounts removed immediately. 
I have also previously sent a letter to this company three months ago, stating that I am exercising my right to opt out of their reporting of these accounts, as per 16 CFR 313.7 ( f ) and 15 USC 6802 According to the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 states that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX is a consumer reporting agencies, and as the consumer, I have the right to ensure that my private information is not shared. This right is supported by 15 USC 6801, which states that financial institutions have an obligation to respect the privacy of their customers and protect the security and confidentiality of their nonpublic personal information. The furnisher of information to credit agencies is considered a financial institution under this definition. 
Section 604 ( a ) ( 2 ) of 15 USC 1681 states that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer. Neither the financial institution nor the consumer reporting agencies, XXXX, have my consent to furnish this information, and they certainly do not have my written consent. Any previous consent given to XXXX, or the furnisher of information to credit agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is now revoked. 
The Furnisher of Information to credit agencies did not inform me of my right to exercise my nondisclosure option, which is in violation of 15 USC 6802 ( b ) ( c ). Additionally, the Account that is being reported by them is an adverse item without my permission, which is against the law according to 15 USC 1681C ( a ) ( 5 ). XXXX is not maintaining reasonable procedures as required by 15 U.S. Code 1681s2 ( A ) ( 1 ) A and 15 U.S. Code 1681e. Furthermore, as stated in 12 CFR 1016.7, I am opting out of their reporting services. 

Thank you XXXX XXXX
Product: Debt collection

Consumer Financial Protection Bureau ( Bureau ) announced settlements with XXXX XXXX, XXXX, also called XXXX XXXX XXXX, its principal, XXXX XXXX, and XXXX XXXX XXXX, XXXX ( XXXX ). XXXX XXXX XXXX, which was located in XXXX, Kentucky and is no longer operating, offered and extended financing for airline tickets to military servicemembers and their families and was owned and managed by XXXX. XXXX, which is located in XXXX, Kentucky, is a company that services travel-related loans, including loans made by XXXX XXXX XXXX XXXX for servicemembers. 

The Bureau found that XXXX XXXX XXXX and XXXX misrepresented the true cost of credit in violation of the Consumer Financial Protection Act of 2010 ( XXXX ). Specifically, XXXX XXXX XXXX charged a fee to consumers who obtained financing through XXXX XXXX XXXX above the fee that it charged to consumers who paid in full. XXXX XXXX XXXX failed to include that fee in the finance charge or the annual percentage rate for consumers who obtained financing, even though it was a cost of credit. XXXX XXXX XXXX representatives, at the direction of XXXX, also quoted falsely low monthly interest rates over the telephone to consumers.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent Experian a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I submitted a written request to MOHELA to report the most up to date information about my loan statuses to all three credit report agencies. No changes have been applied my credit reports and I have not received a response from MOHELA. MOHELA stopped reporting to all three credit reporting agencies in XX/XX/year>. I have made several payments that are not reflected.
Product: Credit card or prepaid card

The Collection Department of my Care Credit Account, issued by Synchrony Bank, contacted me in the afternoon on XXXX XXXX, 2017. They called inorder to inform me of a deliquent pass due amount of {$20.00}, that was carried over from XXXX, was being combined along with a {$38.00} late fee ; as well as, an interest charge of XXXX. I received a few weeks ago, an invoice for the month of XXXX that was dated XXXX XXXX, 2017. On that invoice there was an itemized breakdown of all charges and fees that had accumulated durring the previous billing cycle, as well as, a total minimum payment of {$100.00} due on XXXX XXXX, 2017. However, when adding the late fee of {$38.00}, the interest charge of XXXX, and the carried over {$20.00} balance from the previous month, the total amount only came to {$86.00}. I inquired about the remaining {$13.00}, but the manager on duty was unable to identify the justification for the {$13.00} difference. Furthermore, my copy of the XXXX XXXX, 2017 invoice excluded the appropriation of the {$13.00} remaining difference. I would like to have the {$13.00} charge removed from my {$100.00} minimum payment due on XXXX XXXX, 2017 ... Thank You for your Assistance.
Product: Money transfer, virtual currency, or money service

I was scammed by someone that got my number somehow. I keep track of all my numbers but this person contacted me claiming to be my friend that contacted me by accident. First the person was nice to me texting then they wanted to contact me on XXXX claiming that the other number was there work phone. I then talked to them in XXXX and they showed me how to invest in crypto by using cash app and crypto.com platform. The person would show me there gains and funds as well as pictures sent me a XXXX code for the app to download that was actually a real app at the time that I was able to download on the XXXX XXXX. The app was called XXXX. My bank chase was linked to my cash app at the time so all my funds went from that account. Most of my funds were in a XXXX  XXXX XXXX account at the time so i added more of my funds to the chase account being pushed by the person to provide more funds into this crypto plantform coin gold. I add pushed to buy bitcoin then to transfer the funds into XXXX. XXXX operated like the other platforms and was international as well. I was also provided with accounts numbers from customer service of the XXXX  platform to wire money. When I tried to take the money out of XXXX  I was instructed to pay taxes in order to take the money out. Then I was asked for more money. I later did some investigating and realized that something wasnt right. The person that was being my friend lied to me into investing in a crypto platform that didnt exist. I realized it was a scam. I made a police report and talked to a treasury agent that worked for the government about the matter as well. I also contacted the fbi, ftc, and XXXX. I also contacted my chase and XXXX  XXXX XXXX about the matter with them claiming Im liable. The treasury agent I talked to said this was a scam called pig butchering scam also authorized push payment. My banks denied my claim even though I have evidence of everything. Nothing like this has ever happened to me in my life and has had a dramatic blow to my life financially and the money I invested came from a settlement from getting hit by a car. Mentally my mind wasnt working properly and a month before I had got out of a relationship with my XXXX. About a month later thats when this person contacted me .they had a XXXX number from a real carrier. The person contacted me XX/XX/XXXX. Date amount of money taking out of account The dollar amounts were converted into bitcoin. All of them are on cash app but they last one being on 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 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
Product: Checking or savings account

I have 2 disputes opened with this company that were immediately denied and both times money was stolen from me and I turned in all the required documents dispute # XXXX are XXXX XXXX one was for a birth certificate that a company never fully processed and the second my card was charged for over XXXX dollars of food and goods
Product: Money transfer, virtual currency, or money service

I had a recent transaction as a seller on XXXX where I explicitly said the item is local pickup only. An out of state buyer knowing this ( sent email before hand ) bought the item, sent no money for shipping. The buyer paid {$270.00} after taxes. I obviously needed to cancel this listing. However, paypal immediately took their ~ {$8.00} fee when the buyer paid and taxes. Leaving about {$250.00} in my paypal account. If I wanted to refund the buyer, paypal said I would 'need to go in the negative ' as the paypal fee can't be refunded. XXXX support told a similar story and said the only recourse will be for me to refund the {$260.00} and me lose my {$8.00}. As of XX/XX/XXXX  paypal refunded the buyer {$260.00} dollars and hence I lost {$8.00} since they did not refund my {$8.00} paypal fee. 

I don't know how this is legal that paypal keeps their fees for someone buying something willingly disregarding my listing stipulation ( no shipping ). Hence, the seller automatically loses money if a refund needs to be made. Paypal needs to have their fee be refundable if the buyer willingly acted in bad faith. My transaction was XXXX ID XXXX Paypal transaction ID XXXX
Product: Debt collection

My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and XXXX XXXX. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Product: Credit reporting or other personal consumer reports

Hello and good day, this is a formal complaint I am submitting to address incorrect information that has been mistakenly included in my credit report, please take it seriously and read this thoroughly. 

There are accounts showing up on my report that are not mine and seems to be linked to somebody else 's credit report. This misreporting is damaging my credit score and adds to the concerns I have regarding ongoing issues with identity theft and fraud. This situation violates my rights as a consumer and unfairly tarnishes my financial reputation. I am requesting that this matter be given priority so my credit report is corrected and only includes legitimate information that is truly associated with me.
Product: Mortgage

Nationstar Mortgage has refused to take my mortgage payments for several months and now they claim I am in foreclosure due to non payment but THEY have refused to take the payments. I have been making payments every month on time for several years and now suddenly they just refuse to accept my payments and started the foreclosure process. This is an investment property and they also have taken another investment property by means of dishonest tactics, claiming that the home was abandoned ; they twice sent a servicing company to break into the home and changed the locks and winterized it and caused damage to my home even though I was current with my mortgage payments. The second time the servicing company caused a lot more damage, I was in the process of doing some upgrades to the home and had installed a new water heater, stove, did remodeling and renovations but the servicing company pressurized the water line to the point that it ruptured the main water line and flooded the home and damaged the seals on the water heater. I had run out of funds to repair the damage that they caused so I decided to not continue making any payments due to their persistence on taking the home away from me. At the time I had a prospective tenant that wanted to move into the home but I did n't have the funds to continue fixing the damages caused by their servicing company so I decided to put the house up for sale but could not find any buyers due to the damage caused by NationStar 's servicing company. My other investment home located in XXXX, NV has quite a bit of equity and this is the home they refuse to take my payments and they want an outrageous amount of money to take it out of foreclosure due to their fraudulent tactics and refusal to accept my payments. They need to be investigated and taken out of business, both homes originated with XXXX XXXX XXXX loans and XXXX sold the loans to NationStar. They have been nothing but negligent in working with me. It is to their advantage to foreclose as they will gain financially.
Product: Money transfer, virtual currency, or money service

I am reaching out to express my concerns regarding Zelle 's handlig of disputes in light of the lawsuit from CFPB with issues on the platform. Despite using zelle and reporting issues my bank and zelle failed to investigate my claims when brought to there attention. They pretty much told me the funds were gone and it was nothing they could do to retrive them. The lawsuit found that zelle was neglected to protect its consumers but also allow repeat offenders to exploit the system leaving me open to more issues with zelle and my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 Dear Gentle Person, I am reporting TransUnion Credit Bureau for two items and XXXX   for one. 

TransUnion 1. My credit Report is wrong -- my score is incorrect as nothing has happened within 2 months that would have dropped my score from XXXX to XXXX -- the XXXX was the low score on my three report review when I was approved for a XXXX Veteran Home Loan. 
2. Nothing changed on my credit report although TransUnion dropped my score by 62 points -- I contacted TransUnion CEO XXXX XXXX and his staff did nothing to investigate. 
3. I have reported inaccuracies to TransUnion over the years no less than 20 times and they have not corrected. 

4. I found out from a TransUnion Staff member who worked in the section I am about to tell you about that because I had reported so often ( due to their not correcting in the time period they are allowed ) they had placed my credit score under special watch ( Targeting if you will ). 
5. I ask him what he meant -- he said as follows there are an awful lot of credit repair companies now that send the same disputes for their customers every quarter so if you dispute now to stop the overwork for TransUnion more than so many times a year -- we flag your social security number in the system and all your disputes come to this section. 
6. I said you can not do that -- it is discriminating against a certain amount of people in the credit world because their accounts are wrong and they are disputing them -- that is targeting. 
7. He said it is the only was TransUnion can fight these credit repair ahencies. 
8. I said regardless of TransUnion 's excuse its targeting a small group of consumers because their credit report is wrong and they dispute it. 
9. So what this section does per staff is not fully investigate but instead if you havve disputed the same thing in the same year they just send a duplicate letter failing to uphold the credit consumer laws of our country. 
10. This is illegal and wrong as things in credit require an investigation within 30 days for a disputed item -- for a certain segment of the credit public they are not doing it -- because I had disputed wrong credit reporting -- they did that to me. 
11. This is happening to consumers everyday at TransUnion -- I have emails with names of staff in this area 12. I request reimbursement for all the years my credit report was wrong and it affected my credit and employment XXXX XXXX XXXX XXXX 1. I told them XXXX XXXX and XXXX XXXX XXXX my score and the report they received were both wrong and requested they verify. 
2. They stated they were not in that business and stated TransUnion would be who I contacted. 
3. When I requested a copy of the report they received to verify against TransUnion they refused and stated they were not in the credit report business. 
4. If Fraud or wrongdoing is questioned and brought to their attention it is the responsibility of the Financial Institution to verify -- they failed to do so when I asked. 

Thank You XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX and I am a blue all access net spend customer and net spend is cutting me off for no reasons at all. I had an issue with a supermarket that was supposed to give me back XXXX and never did and also got a broken wheel chair scooter device scam that was XXXX and net I told net spend I am in the hospital rehab for 5 years and longer and I don't know how much longer I am going to be here for.

I have no family help and friends help and no other financial institution because I have not been out in a long time and I can't take checks in the hospital rehab because problems with mail and things get lost in the hospital rehab and I get month checks that comes from the post office once a month on my card plus I pay my bills and use the card to buy things with. 

If you don't put me again I will get a lawyer and take you to court and sue you and or take you to small claims court and sue you there that's how upset I am with you guys at net spend. 

Please respond From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX