23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I did the real-time transfer of {$1000.00} from chase bank XXXX XXXX XXXX Bank XXXX XXXX XX/XX/2023 at XXXXXXXX XXXX XXXX. I followed up from both banks as my money should have been available on the same day, but both banks were blaming each other. 

Chase claimed funds are already deducted at their end, and XXXX is keeping it on hold. 

XXXX claimed they are receiving bank and have no role in this transfer. 

I was following up daily with both banks and they were not providing me with any details, like the final transaction number. How many banks are involved in between? 

I received the money in XXXX XXXX Bank on XXXX XXXX at XXXX XXXX XXXX. 

Even after that, both banks have provided no reason where my money was for all this time who was holding it up, and why it was held up. I went through so much mental trauma because of this. At XXXX point I left the hope that I will receive my funds ever. 

I will need your help to know the reason I had to go through this whole mental trauma, why the bank was hiding the complete details, and in this kind of situation why the customer needs to follow up, isn't it the sender 's bank ( Chase ) responsibility to ensure the safe transfer of funds?
Product: Vehicle loan or lease

For reasons I do not understand, my company has not been given normal account access online. Because it starts with a XXXX, I do not have an account online and go through a strange portal to make payments. This portal is extremely limited. It does not report payment history, interest paid or due, etc. It simply accepts payments. I hate it and so I have accelerated the payments to get away from GM Financial. Since I made my first accelerated payment, I am no longer able to access the portal. I have been denied access for two weeks. If I try to pay online, I have to pay a fee. But, I can't access the portal to make a payment online, coincidentally this has been the case ever since I started accelerating the payments. When I call in, they discourage me from making a payment, indicating no payment is yet due.
Product: Credit reporting or other personal consumer reports

This is response to complaint XXXX. The collection agency stated that the dispute letter sent was to an old address which is XXXX years old. This is the address found on my credit report as well as online, so that is a fault within your company. Your company 's incompetency of not updating your mailing address has nothing to do with me. Furthermore, I am rejecting this response because I am only willing to discuss anything via CFPB, which is why I submitted this complaint. I will need everything in writing for court records. I am not interested in any correspondence outside of the portal, nor do you have a mailing address for me. Once again, I am requesting Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Provide me of the amount of which the debt was purchased/forward flow agreement. Please provide the requested documents via CFPB or remove this account from my credit report.
Product: Debt collection

Had to check any box above because none pertained to my online experience complaint. See below : I need to file a complaint to the correct agency regarding XXXX GC Services Ltd Partnership located in XXXX CA. When trying to pay monthly agreed amount, I was forced to fill out amnesty form before continuing to make payment. Amnesty form contained answers that I did not agree to, but was autofilled by their software before I can leave page. This company is making consumers agree to information and {$50.00} fee before submitting payments. I did not agree to this and called them promptly to complain. I need to wait for them to remove {$50.00} amnesty fee before I can pay court ticket for my husband. I still am unable to pay ticket amount and his license can be effected by DMV. He must have his license for his job or he will be fired. I 'm sure they are affecting many people and their drivers licenses and need to be investigated. Please let me know if this is the correct agency or who I need to contact to get this resolved and investigated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request to you to please correct my Credit File from erroneous reporting of accounts and information. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. XXXX XXXX  XXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Checking or savings account

My name is XXXX XXXX. I am writing in regard to HSBC Banks unfair, racially distorted, and demoralization of ones disabilitybanking practices. The Consumer Credit Protection Act of 1968 regarded Americans safety from the previous longevity relinquished by governing bodies and financial institutions. In efforts to solidify all condensing and ambiguity associated with mistrust, Congress moved to shield consumers and their financial records from abuse. In the  years following, other laws refined consumer rights, spelling out how the government can access bank customers information, how banks treat borrowers and the way banks handle customer deposits. Considering this law to protect consumers are profoundly etched withing the moral fibers of the US governing lawsone would hope consumers would receive fair, indoctrinated, unplausible credence as it relates to the well being of our banking system. Unfortunately, this is not the case as biased departure still exists within our banking institutions. 

This is my third morse writing on dictates concerning issues that have gone strain. I am a young XXXX American male -- owning several XXXX XXXX XXXX. Each monetary increment is compelling to the survival mediates. Therefore, with the crude unguided acts of HSBC, there were several delaying constructs in which devastating financial tolls have impart. 

I have notified HSBC nearly five month ago, indicating the immediate release of all funds due in part. Nonetheless, days became weeks, weeks became monthsand now unopposed, months will soon become a year. Nevertheless, my relentless intent to mitigate, resolve, and embellish the ongoing dispute has resulted in over 200 hundred call, 70 emails, and numerous complaints to government banking agencies. Added, the coldness of hopelessness has begun to settle quietly within the vibrantly warm chambers of my heart. My XXXX XXXX, once divulged of animation, has now become the corridors of dismay and peturb. I am currently prescribed medication to resolve the refactors of my XXXX XXXX. 


In conclusion, my simple alp of requestreturn my funds quickly, for I am making monthly payments on liquid assets are loan imparts. I beseech assistance in resolving this issue with HSBCfor it has been several months with no resolve.
Product: Credit reporting, credit repair services, 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 - XXXX XXXX XXXX  XXXX Account - XXXX XXXX XXXX XXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The following addresses are also in violation of my consumer rights : Address 1 :XXXX XXXX XXXX In XXXX Address 2 : XXXX XXXX XXXX AR XXXX The following alias listed on my credit report are a violation of my consumer rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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. 

I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After attempting to comply with the company 's request to provide validating information, regarding my previous address, to allow them to correct an error on my credit report, I AGAIN receive the same response that they " were unable to locate a credit file in our ( their ) database with the identification information you ( we ) provided. '' I supplied them with a copy of an earlier W2 showing my address, my current drivers license, a bank statement, and my social security card. [ What is almost humorous about this whole scenario is that several months earlier I was able to purchase a monthly reporting service from them and they continue to provide to those whom request it faulty credit information. ] Their continued refusal to acknowledge my credit file allows a more serious problem to prevail. That problem is the they continue to ignore a DISMISS bankruptcy in the the XXXX, TX bankruptcy court AND their continued failure to report a DISCHARGED bankruptcy in the XXXX XXXX, Nevada bankruptcy court. I have on several occasions sent them documents which supported both claims.
Product: Checking or savings account

I was charged for services I didnt receive from a merchant XXXX XXXX XXXX I disputed the charge with the bank and the bank miss handled my dispute and denied my dispute. They did not put in the correct reason for my dispute. And to my knowledge, its not giving me a valid reason why they denied my dispute. XXXX XXXX XXXX charge me for weeks I did not have the car. They charge me {$560.00} one charge and {$320.00} another charge that I did not do. They charge me for weeks I did not have the car. ( instead of them making my dispute reason not receiving goods or services, they made my dispute reason charges appears more than once on my account, which is the wrong reason ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX ( aka XXXX XXXX XXXX XXXX provided me with a letter on letterhead stating that the account was paid in full and closed XX/XX/XXXX. However, there is incorrect information on my credit report. I have disputed this information twice in XXXX and XXXX with the three credit agencies and it still shows up incorrect. It shows as XXXX120 past due XX/XX/XXXX '.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is reporting inaccurate information on credit report with XXXX XXXX.
Account went from OK XXXX-XXXX, LATE XX/XX/XXXX, CHARGED OFF XX/XX/XXXX NO DATA XX/XX/XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX, BACK TO NO DATA XXXX-XX/XX/XXXX, BACK TO CHARGE OFF XX/XX/XXXX-XX/XX/XXXX CHAGED OFF ON SEVERAL OCCASIONS
Product: Credit card or prepaid card

On XX/XX/2020, I purchased 6 Reloadit cards and put {$500.00} on each card for a total of {$3000.00}. I created a Reloadit " safe '' and used a compatible pre-paid card, XXXX, to load money from the Reloadit " safe '' on the card. 

I have been unable to load money onto the card and I keep receiving errors that say they are experiencing technical difficulties. I have contacted them every day since to rectify the situation and they have not responded. 

I would like a full refund of my {$3000.00}.
Product: Vehicle loan or lease

15 USC Ch. 116 : CORONAVIRUS ECONOMIC STABILIZATION ( CARES ACT ) Remove negative during natural disaster up till 2023.
Product: Credit reporting or other personal consumer reports

In the wake of the devastation the XXXXXXXX XXXX Florida has experienced due to recent XXXX XXXX, the several tornadoes, floods, and other Hurricanes, XXXX and several banks and creditors are working with state and federal officials to provide information on disaster relief resources and information. 

Many creditors and banks are also extending courtesy to XXXX Florida victims impacted by the XXXX disasters by furloughing/waiving Credit card XXXX credit reporting and loan payments. 

Several areas in XXXX Florida still currently have no electricity, no landlines, no running water and very limited cell service. 

Therefore, i am requesting that you stop reporting any delinquencies and late payments from XXXX XXXX XXXX xxxxx XXXX and XXXX. 

Please also waive any minimum payments due from XXXX for at least XXXX days ; waive the minimum payment up to XXXX billing cycles. 

Do not report it as a late payment. 

Prevent and waive any late fees. 

The reason why insurers are acting so fast on this is if you remember after XXXX hit XXXX XXXX and XXXX XXXX hit Florida ( before mobile banking ) all of the credit card companies were cooperating with the exception of XXXX issuer. 

The media caught wind of it when they said if you can't make the minimum payment, we'll just add the late fee to your existing balance. XXXX XXXX then retracted and retroactively refunded late fees in XXXX affected areas.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters, faxes to Equifax asking them to remove this fraudulent hard inquiry. Last letter sent was dated XX/XX/XXXX. I have also called many times. I have also provided the Identity Theft Report filed on XX/XX/XXXX to them. I have attached the Identity Theft Report here. The fraudulent hard inquiry is XXXXXXXX XXXX XXXX dated XX/XX/XXXX. 
In accordance with the Fair Credit Reporting Act Equifax has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy Account name : XXXX XXXX Account # XXXX, balance {$990.00} Account name : XXXX  XXXX Account # XXXX, status Account closed 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 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: Credit reporting, credit repair services, 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 XXXXXXXX, Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX, Account name : XXXX  XXXX XXXX, Account name : XXXX, Account name :, has violated my rights. 

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: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that pursuant to the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 the information is inaccurate. 

Since I haven't authorized any business or consumer reporting agency to report on my consumer report I am now exercising my right to opt out of any and all authorization I the federally PROTECTED consumer may have given whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit card

The company is Wells Fargo. The last 4 digits on the card is XXXX. There is about XXXX plus charge to the card. The limit on the card was much less. I disputed the charges as it was not mine. I dispute the charge/s and I receive a letter from Wells Fargo stating I receive the merchandise. I request the address where it was delivered, the type of merchandise, the Establishment who provided the merchandise and the person who signed for it. They responded letting me know my dispute was close. I called to redispute and I was told someone will call me back in 48 hours an I am still waiting on a call back. Meanwhile I am being charge.
Product: Debt collection

Within the past month ERC has reported an XXXX XXXX XXXX bill to the bureaus, which has in turn been added as a collection account to my credit files. 

I do not have an XXXX XXXX XXXX account nor do I have an account nor contract with ERC. When ERC sent notice of such alledged debt I requested debt validation. They could not provide appropriate debt validation showing how I owe them for said debt, nor by producing any contract bearing my signature binding me to said debt. A bill from XXXX XXXX XXXX with my name on it does not fit requirements outlined by laws and regulations established via the FCRA. The alledged debt does not belong to me. 

This debt has previously been disputed and successfully removed from my report and reinserted by ERC who can not validate the debt as outlined by regulations of the FCRA. 

ERC must immediately cease and desist all collection activities and request removal of the non validated debt from my credit file with each Bureau they has falsely reported it to in order to prevent litagation to the highest extent possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. 
Consumer Financial Protection Department I opened a Car Loan account with XXXX XXXX XXXX in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that XXXX had completely taken off the account from my Transunion Credit Report, i have spent the last 3 weeks  trying to resolve this issue with XXXX. This has impacted my credit score. I need this XXXX to report this account to Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Strictly for XXXX XXXX XXXX, XXXX, XXXX, XXXX. PLEASE REMOVE ANY OTHER ADDRESS LISTED OTHER THAN THE LISTED ADDRESS THANK YOU. Here is a final letter and the final attempt to reach out to you. I would like for you to know that all letters and conversations between us have been previously recorded. I have sent in previous certified letter since XX/XX/XXXX and I havent gotten a response on my case. Your company has violated my rights within The Fair Credit Reporting Act within sections 609, 611, 612, 623, and several others. I am seeking a total of {$3000.00} for damages and the detriment to my personal credit file. Your company is reporting erroneous information and I am unaware of it. This is the final good will letter and will contact the attorney generals office in Florida, make sure your company is placed on public records file. If you think that youre going to get away with this you are wrong and I know all of my rights. I asked for several documents in XX/XX/XXXX of last year. I asked for original contracts with my signature, by law if you didnt respond within 30 days the erroneous accounts listed were to be removed and you continuously report it. XXXX XXXX XXXX THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Debt collection

when the pandemic started i lost my job and attempted to communicate with Caviler Finance to see my payment options. the manager started on XX/XX/XXXX with texting me from her personal number threatening me to bring the cops with her to my house to take my collateral, she has contacted my referances and told them all the information what my balance was, how far i was behind, what the origanal balance was. when i asked for the home office number she refused to give it to me, so i had to contact another branch and when i contacted the home office i was told by the VP of the company that he did not have time to work with me, my only option was to work the the XXXX office.when i asked if he liked when his employees talked to their customers like that he said " thats not my problems, this is how things will be handled '', he stated that he can come take my collateral because i broke 2 payment promises even though i have tried to continue to communicate with them to try to work with me. they are intimidating people by threatening them with jail, this is highly unprofessional and highly illegal. i have mulitple screenshots of the texts. the last payment i went and paid she wrote me a hand written reciept and did not post the payment that day. she has called me multiple times in an hour. i have dropped a cease and desist in the door of the company to not contact me further until this issue is resolved
Product: Credit card or prepaid card

Re ; Citibank N.A. 
Flaws in interest rates ( over charge ) havent received check. First notified in XX/XX/2019, second time in XX/XX/2019 Have not received check and have called numerous times ( more than 6times ) and been told check hasnt been cashed and re-issued new check.Never received talked to : XXXX, XXXX, and XXXX to no avail