23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried XXXX to have this incorrect bankruptcy removed off my credit report. 
XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX : Each time I receive a post card in the mail from XXXX illegally responding saying " we do not have sufficient information to process your dispute '' even though I provide all my information including my drivers license and a recent utility confirming my address. My dispute gets received by them through regular postal service and electronically. XXXX over the phone confirmed with me that they go to XXXX XXXX to get their information which is illegal as my XXXX XXXX report is frozen and I have opts out in sharing of my information to any XXXXXXXX XXXX XXXX like XXXX. Also the fact that XXXX XXXX nor XXXX have my consent to share my information and that XXXX seems to feel that its okay to violate my federal rights by accepting XXXX party information when they are only allowed to receive information from the direct creditor ( court house ) The court house does not report to the credit agencies so this bankruptcy needs to be removed immediately. 

XXXX : This credit agency is by far the worse as each and every time rather then do a investigation they state that I would need to dispute with XXXX XXXX XXXX which is OWNED by XXXX and XXXX stores that information. Again, XXXX is in direct violation of my federal rights by obtaining information about me without my consent, sharing it through there sub sister company XXXX. XXXX gathers it from another XXXX party source know as XXXX  which again are both not direct creditors or debtors. XXXX fails to properly investigate and remove this inaccurate bankruptcy off my credit report. 

Equifax : Equifax out of all the XXXX major credit agencies does at least investigate and get back to me on each dispute I have faxed over and mailed. But again Equifax is guilty of the same thing XXXX does by accepting and reporting from a XXXX party vendor information that I did not give sent to, have frozen and opted out of. 


XXXX XXXX XXXX credit agencies have violated my federal rights of reporting inaccurate, false and incorrect information on my credit report by accepting data from multiple XXXX party sources. Seeing that the credit agencies can not go directly to the data furnisher which would be the federal court house which is not enrolled to report with the credit agencies. The credit agencies has illegally reported inaccurate information and can not properly investigate with the direct data furnisher ( federal court house ) due to the fact that the direct data furnisher of the information ( federal court house ) is not enrolled or subscribed to report to to the credit agencies let alone able to respond and handle consumer disputes. 

Result wanted : I want the public record of the bankruptcy that is showing on my credit report to be removed off my credit report immediately.
Product: Debt collection

We have been making payments to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. Last payment was made XXXX/XXXX/2016 for {$150.00} on check # XXXX. We received a notification from Central Financial Control a Debt Collection Agency for the balance of {$260.00}! Central Financial Control has the same mailing address XXXX XXXX, XXXX, AL XXXX. THIS IS THE SAME COMPANY COLLECTING FOR XXXX XXXX XXXX XXXX and using the tactic that they are collecting a bad debt when there is n't any. When contacting Central Financial Control regarding this, they said the account would be considered past due unless we signed up for a monthly payment plan. Central Financial Control is fraudulently implying that the only way we can pay this debt is through a monthly plan, and that this is considered to be a bad debt, even though it 's been paid regularly. This is FRAUD and DECEPTION. When we requested that XXXX XXXX XXXX XXXX send us an updated bill, the woman XXXX employee number XXXX or XXXX stated that the only way we could get a XXXX XXXX XXXX XXXX bill was by signing up for a monthly plan.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Someone has been using my personal information to include my name, ss #, DOB to establish credit and other financial transactions in my name.

I am unaware of being a part of any data breach, however my personal sensitive information has been compromised. 

I have files a identity theft report with the FTC and I have also files an identity theft report with the local police department which I am attaching.
Product: Mortgage

I have a a loan with New Rez. I have set up a auto payment with XXXX XXXXXXXX XXXX. 

1 ) The payment comes out on XXXX of the month 2 ) In month of XX/XX/2021 since XXXX and XXXX were Saturday & Sunday respectively the payment was made by XXXX on XXXX XX/XX/XXXX3 ) NewRez systems did not recognize this payment. The marked XXXX late 4 ) We called them and informed them of the issue when we became aware. They requested documentation what we provided 5 ) The applied the payment in XXXX towards XXXX rent but reported late to the credit bureau. They also increased our principal payments and fines etc.

6 ) We talked to them on several occasions. First a lot of representatives are impolite and would not like to talk, hanging the phone.

7 ) We send a letter from our XXXX after they were not ready to talk 8 ) I called them on XX/XX/XXXX and they said that I should upload all the documents through website since they do not have any other way. I went on the website but was not able to find any place to upload the documents 9 ) They have not responded to my attorney. My attorney recommended that I should contact your esteemed office PRAYER I WORK FOR XXXX XXXX XXXX AND I NEED TO HAVE A VERY GOOD HISTORY FROM EVERY ANGLE TO BE AN EXAMPLARY EMPLOYEE. THIS ISSUE HAS CAUSED A LOT OF AGONY AND FINANCIAL IMPACT ON ME INCLUDING REFINANCE our refinance has been denied because of this reason. NewRez contacted us in XXXX to refinance but we refused. Looks like they are penalizing us for it and are sending weird reports to Consumer protection. We have paid them a lot of extra money and still not been able to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card was charged {$24.00} on XX/XX/2017 for a credit report which I do n't remember ordering or signing up for. I tried calling Experian who put through this charge on my credit card and twice I was told by their telephone prompts at XXXX that my wait time to speak with someone about this is over 1.5 hours. Really? to make matters worse, their online support page tells you to call this same number to resolve the issue. This is ridiculous. How can a Credit Bureau of all person ask an affected consumer to wait 1.5 hours on the phone to address an issue with them. I need to cancel whatever arrangement they have on file for me regarding this and I also need to be refunded. I have since cancelled my credit card to avoid further charges. 

Please help
Product: Credit reporting or other personal consumer reports

I acquired my consumer report and asked Equifax and XXXX consumer reporting agencies to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited and received my investigation and noticed everything is still the same. The consumer reporting agency which is Equifax did not remove the unauthorized and unverified inquiries from my Consumer Report. However, XXXX have removed/deleted the unauthorized and unverified inquiries from my consumer report while Equifax has not. Equifax is still reporting the following inquires on my consumer report : XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> CREDITOR XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year> CREDITOR : XXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/year> XXXX  : XXXX XXXXXXXX XXXX XXXX INQUIRY DATE : XX/XX/year> CREDITOR : XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> CREDITOR : XXXX XXXX VIA DEALER INQUIRY DATE : XX/XX/year> CREDITOR : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY DATE : XX/XX/year> The unauthorized and unverified inquiries listed above need to be removed/deleted from my Equifax Consumer Report due to this being a violation of my consumer rights. This inaccuracy is impacting me from buying a home for my family, and having the ability to provide a moderate living for my family.
Product: Credit card

On XX/XX/year>, I sent Avant a billing error dispute in the amount of {$480.00}. As of today XX/XX/year>, Avant has not responded to the billing error. I also sent another billing error on XX/XX/year>, addressed to the XXXX because Avant sent me a bill charging late fees on the disputed amount. According to the law, Avant should not charge a late fee on a billing error. Avant has not responded to the billing error within 30 days. Avant is participating in deceptive acts and practices. I initially requested a consumer credit agreement for personal, family and household purposes. The billing statements are not in compliance with my initial credit order or the Credit Agreement. I have explained to Avant that I am a consumer, a natural person, the secondary party to the agreement who signed the Agreement on behalf of my principal and it appears that my signature has been misrepresented and I am now being treated as the debtor! I am the original creditor and I am the signer on behalf of my principal. I am the one that issued the value for my account and I have not been paid. I am the owner and title holder to the security account. I have priority interest which is not being acknowledged.
Product: Prepaid card

NetSpend is refusing to correctly designate a dispute issue and using the incorrect dispute reason to deny processing my claim. 

A merchant agreed to cancel a pending swiped credit transaction in the amount of {$230.00} but NetSpend was preventing it. The transaction posted and the merchant attempted a refund NetSpend wouldn't process it. 

I filed a prompt complaint with voicemail and documentary evidence. 

NetSpend alleges the issue is a dispute between me and the merchant but the merchant and I agree we are both on the same page I requested a cancellation of a pending ( later posted ) transaction and the merchant attempted multiple times but NetSpend failed to uphold its obligations.
Product: Money transfer, virtual currency, or money service

Zelle failed to reimburse funds that were fraudulent on my account instead closed my account
Product: Credit reporting or other personal consumer reports

I've submitted several requests for investigation on inaccurate accounts on XX/XX/2024 and XX/XX/2024, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/2024 and XX/XX/2024 to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage.
Product: Checking or savings account

Many financial institutions use a service called XXXX to identify bank account access to brokerage accounts. I tried to set up automatic transfers from my bank account to My brokerage account and PNC blocked access to that information. This is unreasonable as many banks use this service, and I have used this to transfer funds to other accounts. 

This is apparently a recent change and customers were not notified. PNC 's customer service says there is nothing I can do about this.
Product: Credit card

Capital one bank had been withholding XXXX overpaid credit amount posted on XX/XX/XXXX that my boyfriend had sent into my account, I stopped work & owed a balance on my credit line. The rest of the amount has not been sent back to me i asked them why they are withholding it, they gave me no further information on why. They have held it for a month now with no explanation. They told me that I need to submit documents that's wasn't necessary & didn't made any sense, even with calling back for more information on it a representative wouldn't have that information written on notes that that's what I'm requested for to receive my money after I had spoken to a supervisor that claims that he writen it down in notes for the representatives to know the updates with my account situation. I even sent out a letter to the manager on XX/XX/XXXX to request my overpaid credit amount to be sent to me through check within XXXX business days, but they have seemed to refused to a check hasn't been sent on its way to my address yet. And received a voicemail call from a manager stating that they received my letter.
Product: Debt collection

I purchased two items from Macy 's department store. the first was in XX/XX/2019 and the other was in XX/XX/2019. Both items were paid for with my XXXX XXXX credit card. I opened a macy 's in store credit in XX/XX/2019. I paid for the items the same day. When I received the card I never activitated the card. I received payment notices from macy 's I sent copies of my receipt several times. I was told a payment of {$30.00}. was made from my checking account. The number is correct but, I never authorizied the payment. my credit rating has gone down 94 points due to this problem. I made a payment of {$39.00}. yesterday XX/XX/19 to offically close my account with Macy 's after paying the bill I swreated the card. The paying institution for Macy 's is Citibank, NA Department os Stores National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Attached are receipt of payments to Macy 's Department store.
Product: Checking or savings account

My claim was denied after I submitted a police report as well to verify my information was stolen. No feedback was given had to make several calls just to get a denial, stated I could not appeal the request.
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 customer 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting

I disputed an item with Experian that is too old to be reporting, As of today they refused to acknowledge my request of reinvestiating the item to be too old to report.
Product: Credit reporting or other personal consumer reports

I am writing to formally address an issue I have encountered with Best Egg regarding the terms of closing out my loan. After contacting Best Egg to pay off my loan, I believed the process was complete. However, I have since been pursued for a one-day interest fee due to what they claim was late mail. 

This is now the second year in which Best Egg has sought this one-day interest payment, despite the fact that they were late in recording the transaction. To make matters worse, they have reported this fee to my credit report and are attempting to charge interest on this minimal amount. 

I find this practice to be unreasonable and indicative of usury. As a result, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to address this unfair treatment. I am requesting BEST EGG waive the one day late fee and provide me a pay-off letter for the {$35000.00} loan.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, someone stole my XXXX and used a picture of my face to unlock it and then open all of my money apps. ( Zelle, XXXX, XXXX ). Zelle couldnt answer me at all over the phone. There was no direct line. My bank which had zelle on it told me since the thief checked the box before sending all of my money, there is nothing they will do. XXXX had no number to call at all. XXXX actually flagged the transacts it happened. I fought with my bank ( XXXX ) for weeks before they opened a fraud case. They then closed all of my accounts and I had no access to any of the rest of my money for weeks. XXXX sent me the {$1600.00} that was stolen through them immediately. Then my bank took money from XXXX and XXXX and held it for 8 months. Then XXXX said I owed them money that my bank took. After all was said and done, my bank gave me only {$700.00} from what was stolen from XXXX. They sent the money they took from XXXX back to XXXX. XXXX never gave me that money. So I was stolen from twice. The total amount stolen from me was {$3900.00} and I only received {$700.00} of that back. I feel scammed by the entire monetary and cash sending systems. 
I filed a police report with XXXX county as well and nothing came about with it.
Product: Money transfer, virtual currency, or money service

PayPal - negative {$7400.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$7400.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$7400.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation
Product: Money transfers

I transferred money via MoneyGram at a XXXX store to my daughter in the United States.  My complaint is that there was no indication of fees until the end of the transaction and never any indication of the basis of the fee.  I couldn't tell if I could save money by sending more or less.  I couldn't tell if the fee was based on the amount I was sending or just a transaction fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX submitting without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I made 2 large wire transfers to Coinbase Pro in early XX/XX/2021. Coinbase accepted my transfers, then 2-3 days later froze my account. I am unable to access or withdraw my funds. 

I made a formal complaint thru Coinbase Complaint email on XX/XX/XXXX, but after several emails asking me to wait longer for their " decision '', I am still unable to access my funds, or withdraw my funds- which are in excess of {$40000.00}. 

I contacted coinbase support several times over the course of 25 days, with no answer as to why my account was frozen, how I could recover my funds or how long they would take to give me an answer. 

Now, any email I send to them simply sends back an automated email saying " Sorry, this support/complaint ticket has been closed, please open a new ticket ... '' They are holding my funds with no clear path or date for resolution of whatever issue they are having.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans union customer service on XX/XX/2018 after looking over my credit report and noticed that there where several inquires that I had not recognized nor given permission to inquiry about my credit report.

After explaining to two different customer services representatives that there where multiple discrepancies they refused to be at any assistance and refused to remove the inquires and stated that they do not hurt your credit score.

The inquires are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   As well as multiple promotional inquires that I had never given permission to inquire of my creditXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used Coinbase.com to convert virtual currency into XXXX. I then initiated a transfer to my bank account via the XXXX withdrawal method. The total amount was XXXX.XX/XX/XXXX: Submitted withdrawal request. Website stated that "Your XXXX will arrive by the end of day on Saturday XXXX XXXX, 2017"Transaction has shown as 'PENDING' since XX/XX/XXXX.XX/XX/XXXX: Opened a ticket on their support system.XX/XX/XXXX: I received a generic response "issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert."XX/XX/XXXX: Received another response "It will likely take at least a week. Let us know if you need anything else in the meantime."Internet forums and social media demonstrate that many users are experiencing the same issues. I am concerned that my funds will not be transferred to me.
Product: Debt collection

I have been contacted by this service/company/business through repeated text message. I have spoken with them ( although not recently ) and very kindly asked for a copy of charges and an itemized list of what I was being charged for. Being that this is a very suspicious charge, dating several years back, I didnt plan to give them my debit information like they requested on the phone. I keep getting messages, wanting me to click a link ( which I wont do, obviously ) coming from a number that reads XXXX. I cant even call back. In texts, I have continued to ask for them to send me an itemized list of charges or to stop harassing me. I have explained, if I get legitimate documentation with the requested information, I will gladly pay the bill. I have received nothing. Just continued text messages.