23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, 2015 I made an offer on a repossessed property that was being sold by the US Bank. Although my initial offer expired on XXXX XXXX, 2015, I was not presented with the 'Counter Offer Addendum ' until XXXX XXXX, 2015, calling into doubt the validity of this even being a 'Counter Offer ' or an 'Addendum '. Furthermore, in accordance with paragraph XXXX of the initial offer, there was no basis to maintain any contract with this so-called 'Counter Offer Addendum ' since the offer had thus already been deemed withdrawn. 

At the time I made the offer I had no knowledge of the seller-skewed, 'Counter Offer Addendum ' that was to follow. This document stated all of the foreboding liabilities that rightfully should have been presented from the start. Since the 'Counter Offer Addendum ' arrived late in the week and the Bank wanted the deposit wired by Friday, I had virtually no time to scrutinize the document or voice any concerns. The US Bank got my deposit anyway and then considered me under contract. 

However as the closing neared, my demands at work delayed the closing by two days. Due to the lack of incentive that US Bank has to deal with people, the bank gave away my property to another buyer, keeping my escrow without notifying me of its intentions. Even though I was the higher bidder, the bank 's apparent goal was to clear its books then write off the difference either way. 

Now, I have no property and am {$1000.00} poorer, while US Bank continues to do its business on people without any conscience.
Product: Checking or savings account

On XX/XX/2022, I tried to log into my Chime account but could not because the company had arbitrarily closed my account. My account was closed without notice or reason ; the failed login attempts were the only way I found out. I tried to call support but the company redirected my call based on my phone number to an automated message on the basis they had closed my account, this effectively eliminated any chance of talking to a real person for support. My only recourse was to send an email and I received a generic response from the company about 11 hours later. Support suggested I was in violation of the Deposit Account Agreement. I read the entire agreement and it's not clear which provision ( s ) I supposedly violated. I was quite surprised to hear that I was in violation of any policy given I did not make any changes to my account info or transaction behavior. Additionally, I just verified my identity and source of funds for Chime between XX/XX/XXXX and XX/XX/XXXX of this year after they flagged my account for review. I responded to Chime 's last message asking for further clarification but they have stopped responding. Chime is currently holding +/- $ XXXX of my money, but I don't know for certain because I can't access any information or get in contact with anyone.
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 ). On XX/XX/XXXX of XXXX, I filed a complaint due to a scam charge and never received any updates on my case or reparations. 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This madness that is making Transunion obsolete must stop once and for all. My credit report contains an entry from the collection agency XXXXXXXX XXXX XXXX, which has nothing to do with me. The collection agency is unable to prove this, since it has no evidence other than a handwritten agreement, with a signature that is not mine and with children that are not mine and with a citizenship that is not mine, but Transunion is not embarrassed by the fact that this entry is fraudulent and continues to hold this entry in my credit report, even despite the FTC reports ( of which there are already more than 5 ), despite the complaint of the state attorney, despite the police report. Transunion decided to side with the scammers and banks that like to give credit products at high interest rates, thanks to credit bureaus that do not know what rights and FCRA are. Transunion also refuses to block fraudulent entries due to the lack of documents that confirm my identity, that is, Transunion has its own views on this, apparently for Transunion a driver 's license and paycheck are no longer proof of identity. But once again I will demand that my rights be respected and that fraudulent entries be removed from my credit report.
Product: Debt collection

I did not grant the company any rights to share or sell my personal information, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, which regulates the permissible purposes for accessing or sharing consumer data. Additionally, I have been inconvenienced by numerous unsolicited calls, which have further added to the distress caused by this situation.I am requesting the immediate removal of all information related to this account from my credit report and late payments that should not be added because i requested hardship through your chat support, including LVNV Funding LLC. Please address this matter promptly to rectify the violations and prevent further harm
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$410.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

I am really disappointed and upset at XXXX  and these spring oak people. I have no Idea what this is! They have been violating my consumer rights for over one year now. I was denied health insurance bec ause of these errors! i also asked this fraud company to validate this but they didn't remove this inaccurate information from XXXX. XXXX and XXXX deleted the inaccurate info months ago! I plan to go to small claims and file a suite ! Spring oak has been ignoring my letters! see below attached
Product: Credit card or prepaid card

I was retreated extremely unfairly by Discover Card and one of their representatives. 

After XXXX  on XX/XX/XXXX, my entire wallet went missing from my purse while I was out with friends. Inside of my wallet, I had my Discover Card, XXXX XXXX, an old school ID, my driver 's license, my insurance cards, my XXXX  debit card ( which wasn't activated ). I also had a metrocard in there, along with some business cards and some receipts. 

On XX/XX/XXXX at XXXX, I received a fraud alert from XXXX XXXX a charge of {$920.00} was attempted on my account at a money transferring service called " XXXX XXXX XXXX '' - I immediately reported it fraud and checked on my Discover Card as well. Sure enough, there is a temp auth of the same mount, {$920.00} on my Discover card. I immediately logged into my Discover account via the mobile app to freeze the account so that the perp can not make any more charges and called Discover Card. I was on hold for a very very very long time before getting someone - I would say 40 minutes or so. When I finally got someone they told me I wasn't liable for the charge- whew! 

On XX/XX/XXXX, I looked at the Discover statement, and the charge was back on my account! I called them and spoke with a " securities '' rep. She berated me and basically told me that they have determined that this was not fraud, that the merchant supplied my phone number and email address, and questioned me in a condescending tone, " well, if you didn't make this charge, then how could they have your email and phone number?? '' I was shell shocked at that moment! I felt violated both by the perp having access to my personal information and also feeling like I was being interrogated by my own bank representative. She also questioned why I didn't file a police report, and that this whole thing seems odd and suspicious coming from my end. In retrospect, YOU are the fraud department - YOU TELL ME how the perp got my personal info!! 

Discover rep also questioned why it took me over 30 minutes between freezing my account online and reporting this fraud -- really??? If you didn't have that hold time, I wouldn't need to have waited over 30 minutes! I alerted Discover of this IMMEDIATELY hoping they would block the charge from coming in and was on hold! 


I have been a Discover card customer since XXXX - for 17 years! I believe I had this particular card since XXXX. I also have a savings account, checking account, a CD and an IRA with them. For a loyal customer of 17 years who has never filed fraud before, this is how they MISTREATED me. 

The Discover rep also told me that they sent letters to me during their " investigation '' - I never received a single letter of trying to get in touch with me. However, despite not receiving any letter regarding the investigation, I sure received a letter about closing my complaint that says " Upon reviewing the facts of the case, it has been determined that no fraud occurred on your account. You will be responsible for the entire balance on the account ''
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX L - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  - XXXX It is with sincere disappointment that I present to you the detailed enumeration of the concerns I have meticulously compiled pertaining to the reporting undertaken by your esteemed organization, as explicitly documented in the accompanying file. Regrettably, it is evident that the aforementioned reporting falls short in terms of completeness and fails to align with the standards I hold paramount. It is imperative to emphasize that, in accordance with legal provisions, it is incumbent upon both your organization and the data furnishers involved to diligently certify all facets encompassing the requisite Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance. Such certification must be executed with unwavering dedication to truthfulness, accuracy, completeness, and timeliness, in order to ensure the utmost protection of my consumer and civil rights, thereby averting any inadvertent violation thereof.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting descrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving XXXX users vulnerable to scams.
Product: Debt collection

I was in the hospital XX/XX/2017 due to a car hitting me as i was crossing the street they never stopped and i was co errant at the time. My friends took me to the hospital rather than waiting for an ambulance. I never received any medical bills to my address, my insurance company called me and told me that everything was covered. I got a credit hit so i called the company asking why they hit my credit. they never provided me with any information. I even offered to pay it since XXXX dollars was not worth it effecting my credit even then they said they wouldnt take it off.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acct # XXXX : Did not inform me ASAP about autopay rejection until I found out myself. It was only a error I made with my autopay check #. I would have resolved this immediately if I was informed ASAP. Instead 2 months without payment to XXXX happened. I paid more than the minimum payment after I found out the deficiency. 
I have since corrected the automatic payments and also decided to close the account. 

also : FICO score complaint : I applied and qualified for a " prequalifying '' for home equity ( approved for {$150000.00} ) and mortgage ( approved for {$500000.00} ) from XXXX XXXX/ XXXX XXXX because I am in a hunt for a XXXX property in Oregon . The prequalify is good for 90 days. It expired last XX/XX/2018 and so I renewed my prequalifying, which is again approved by XXXX XXXX. The thing is I still haven't haven't found a home that I want to buy but I want to be readily qualified if I find the home I like and while I still haven't found a home, my prequalifying will expire again in 90 days and everytime I renew mt prequalifying, XXXX XXXX will again recheck my credits and this in turn will bring down my credit rating? I think this is unfair and it shouldn't count against my credit rating because I have already been approved for the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Validate Account XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please supply information on how you have verified this item. 

3. Validate AccounXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX I sent a SEPA transfer of EUR XXXX to this company. 

On their web site under my account, they specified I should have it by XXXX XXXX XXXX. 
They said it should only take 1-3 days. 

Today, XXXX XXXX XXXX, is it still showing as " Pending '' and I can not access my money. 

At the time my money should have been available, I could have purchased Ether for around EUR XXXX each. Today it 's worth EUR XXXX each, so I have lost out on my investment due to this company. 

I made a smaller deposit prior to this one on the same day to ensure I had the correct reference number on the transfer. I received this with no problems, so the error was not on my part.
Product: Checking or savings account

I cashed a girls checks and her boss put stop payment so chase bank but the had her bank returned the money. In mean time I moved to XXXX from XXXX XXXX to XXXX and opened a account here in XXXX XXXX. I then found out these 2 checks was send to me. I called chase bank and ask them if I can deposit the checks 1 for {$210.00} and 1 for {$55.00}.

They told me yesterday do I have the app to chase I said yes she then said yes there your checks deposit them. So I did. Weeks later they where returned to my account as no good and charged my account another {$12.00} x 2 on both checks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized credit inquires on a recent pull of my credit report. I believe this to all be errors copied to my report I sent my notices to investigate and resolve XX/XX/2019 and XX/XX/2019. 
XXXX XXXX XXXX never applied for credit *XXXX  XXXX XXXX  XXXX -never applied for credit *XXXX   XXXX XXXX- never applied for credit *XXXX XXXX/ XXXX-never applied for credit * XXXX-never applied for credit XXXX XXXX XXXX -never applied for credit XXXX XXXX-never applied for credit XXXX XXXX XXXXnever applied for credit XXXX XXXX applied for credit *XXXX XXXX XXXX -never applied for credit
Product: Money transfer, virtual currency, or money service

On XXXX XXXX 2017 I sold a pair of sneakers on XXXX for {$670.00}. The buyer paid through PayPal. I had enabled two ways for the buyer to receive the item ( local pickup and shipping ), the buyer preferred local pickup. After the person picked up the item he reported to his credit card company that he did n't authorize the transaction. PayPal then took the money out of my account. After I showed them proof that the buyer did indeed receive the item ( he left a message on XXXX saying " thanks for the shoes '' ) PayPal said that they would help me in getting my money back. Today XXXX XXXX 2017 PayPal said that the credit card company ruled in the buyers favor. PayPal said that they can not offer me any sort of protection because I used the local pickup option. My problem is that I was not notified/made aware that selecting this option would strip me of my seller protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states failure to investigate items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

On approximately  XXXX   XXXX , I was with my grands whom I wanted to make a purchase for. I am  XXXX , am a widow to  a US  veteran, and although I have good benefits the advertised fixed payment option was perfect. My grandson wanted a  XXXX . It clearly states io eBay if approved  for PayPal cre dit, the payments would be a certain amount. I clicked the button, was approved and then told it was not eligible due to being a high risk item. M y   PayPal  account was then limited to only being able to add funds, but not make or withdraw. They have asked for at le ast 4 form s of identification and proof of address and now tell me they will keep my information and I can not use the account. I have a deep accent and am elderly. I also offered to send in my birth, marriage, and credit reports that confirm my identification and current address. There is no check to my credit and I 've not received any assurance my credit line would be closed. Since I see no issues on my credit report I have no other idea but that it is associated directly to my having a heavy accent and being elderly. I called my creditor and bank to see if they had received a call fro m PayPal to co nfirm my statement information which was requested and they had not so a proper investigation has not been made and I 've been unfairly judged and discriminated against.
Product: Credit reporting or other personal consumer reports

Hello Im trying to dispute these late payments from my account XXXX I e contacted the reporting agency numerous times and they claim the information is correct. Which its not if you can look into this I would greatly appreciate it thank you and have a great day.
Product: Money transfer, virtual currency, or money service

I wish to practice my right as a customer of Crypto.com to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute with Crypto.com. 
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to these fraudulent investment companies