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

On XX/XX/XXXX : I was in communication with a user on XXXX regarding a XXXX event that required tickets paid for before entry. I had spoken with the user @ XXXX regarding payment and the tickets being sent to my email after payment. I sent the amount of {$100.00} XXXX XXXX to an XXXX XXXX, the user however had a picture of a woman and claimed it was here boyfriends XXXX XXXX account I was sending it to. I sent it and got no more responses from them and was then blocked. I reported the scam incident to XXXX XXXX, XXXX and my bank Chime and The XXXX XXXX  after that happened. XXXX was the only one that helped because they suspended the user indefinitely and gave their policy on frauds and scams through their app. 

On XX/XX/XXXX : I was sent confirmation from Chime that they got my transaction dispute and would need more info to proceed with a refund. I sent them the information from XXXX and the XXXX XXXX transaction with the dates and amount all included. From XX/XX/XXXX to XXXX Ive been reaching out to Chime via email and phone and have been denied twice even with providing evidence on the scam that happened to me their customer. 

Today on XX/XX/XXXX : I decided to call one last time and was given the same scripted answers and no support in my case about an online scam that happened to me in XXXX. Ive given them ample amount of time to review and provide me the best solution and they provided neither enough support or a valid explanation on the denial. 

If theres any other information you need from me please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. Up until this day, 50 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to the stress you caused me. My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card or prepaid card

I received a {$100.00} prepaid giftcard that was stolen and {$93.00} of it was spent. I opened up a dispute to try and get the money back on my card and waited 90+ days. I called several times and was told that the funds were cleared in my favor and would be back on my card this past week. I looked at my account and there was nothing there. I called and got the same canned response saying it might take 45-60 days when it's been over 90.
Product: Credit reporting, credit repair services, or other personal consumer reports

Do to the pandemic/ COVID, I deferred 6 payments. But they show up late on my repor

t. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Mortgage

A foreclosure notice was issued in the XXXX, AL newspaper about my home. Until then, I had not received any notification from the mortgage holder, Greentree. After approximately five weeks of talking to Greentree representatives and the foreclosure attorney, I submitted the full amount of {$22000.00} to bring the account current. However, the payment was not accepted, and foreclosure proceedings continue. I 'd spoken with XXXX on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15 and understood that a stay would be issued. 

I would like to stop the process and keep my home at XXXX XXXX XXXX in XXXX, AL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing the accuracy of the information on my credit reports with all three bureaus for over a year, with multiple rounds of disputes including the dispute of information regarding a public record on a bankruptcy discharged in XXXX. I got documentation from the US court stating they do not report or verify bankruptcy information. I then received documentation that the credit bureaus use XXXX to furnish information about bankruptcy. I froze my XXXX account in XXXX of XXXX, and filed another dispute with all three bureaus. XXXX removed the public record fro my report. Experian and XXXX respond to the investigation stating they had verified the bankruptcy information with XXXX. However, that could not be possible as my XXXX account and any information in it would not be accessible to the credit bureaus. Neither Experian or XXXX have provided any documentation as to how they were able to verify information they did not have access to ; they have not identified any source other than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, 2017. I called XXXX to settle this account, I was informed they no longer owned and had no.control. so I pulled up credit report and got the buyers information which was XXXX XXXX aka XXXX XXXX. I did a one time settlement amount of XXXX. It was agreed that accounts would be removed. The same account was showing twice. One under XXXX and other XXXX XXXX. I waited 30+ days to see if they were going to stick to their word and remove from credit reports. XXXX XXXX did. XXXX still to this day has the tradeline as charged off. Once they sold account they should have recused themselves and took it off. As they no longer owned the debt. I called XXXX XXXX to see why it was still showing under XXXX. They told me XXXX had falsely reported what happened with account. At first it just stated charged off. I proceeded to call XXXX in good faith after paying asking them to remove and change tradeline. This has went on since XXXX XXXX wo n't acknowledge the past debt at all. I 've paid the bill, when something shows charged off, it appears to others the bill was never paid and makes person trying to correct their wrongs look even worse. It also appears like they 're getting a tax write off/break instead of showing they actually got paid for selling the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this account with XXXX XXXX XXXX and was informed by this company that they are not servicing this account and have removed it from my XXXX credit report.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Checking or savings account

On XX/XX/XXXX, I deposited a personal check from a business associate ( a loan ) for {$2500.00} at Navy Federal Credit Union. I have previously deposited checks from this individual for the same purpose with NFCU without a problem, but was just notified that a five business-day hold would be applied to this check. NFCU has no grounds to hold any checks that I deposit since I have had the account for more than a year, and have never deposited a bad check. I called NFCU 's customer service line and spoke to a lady named XXXX who claimed that they were unable to release the hold. I am currently overseas for work and have no access to funds for the next week due to this.
Product: Checking or savings account

XXXX the XXXX through the XXXX XXXX {$400.00} regional Bank went into my savings account without my permission and took my {$400.00} after I may attempted to solve the problem for for something they say was a computer glitch my local branch straighten the problem out and refunded my money back into my account but later on the XXXX they went back into my savings account and took {$400.00} out after I did it online transfer for {$400.00} after I cancel my {$3000.00} CD with them the fee cost me {$20.00} before I cancel it I had a balance from {$100.00} etc from a refund from XXXX that's the only money I had in my checking account then I went to withdraw my CD they charged me {$20.00} after that I deposited {$1000.00} about XXXX on my lunch break and then I looked up about XXXX a.m. it was a negative balance of {$2400.00} with a balance of in my savings was XXXX but first it was XXXX then they left me a balance of {$1200.00} I went up to my local bank and ask them what was the problem they told me it was a computer glitch and we will straighten them situation out they straightened it out and refunded my money back for {$89.00} in my checking and {$500.00} in my savings but later on today regional Bank decided to go back in my account and take {$400.00} out and claim that this is not my money I have receipts a bank receipt this is a history regional Bank have committed a violation against my savings account and my money I like to file a complaint thank you
Product: Credit reporting or other personal consumer reports

I sent my full identity theft report to the credit reporting agencies, each one being XXXX, XXXX and Trans Union. I sent every piece of documentation required under the fair credit reporting act specifically section 605B which requires the credit reporting agency to immediately block and remove any accounts, identified as fraudulent by the consumer within four business days. Within one week I received information from each credit Bureau stating that they refused to block the information and instead rolled over into a 30 day investigation. These laws are in place exactly for these reasons so that consumers don't have to fight back-and-forth with the credit reporting agencies to have information deleted that doesn't belong t instead with the credit reporting agencies are doing is deciding to be the judge in jury and they are making the decisions on what they want and what they don't wan na block even without any new proof or new evidence from the furniture of information other than the original information that was submitted that negatively impacted my credit report that was the results of fraud. The credit reporting agencies are notorious for this and continue to get away with it and don't take responsibility. The consumer is not the customer of the credit reporting agency, yet the large companies that report and furnish the information on the consumer are the customers of the credit reporting agencies and pay for that service. Therefore the credit reporting agencies cater to their customers and not to the consumers and or victims of identity theft. I want the information that I clearly outlined in the theft report sent to each one of them certified mail that provided every required document under law as well as the XXXX XXXXXXXX XXXX and I want those accounts immediately deleted and removed from my reports.
Product: Money transfer, virtual currency, or money service

Im filing a a complaint against Cash App for inadequate customer service and unfair practices, which violates CFPA. Cash App has failed to take timely and effective measures to prevent and address fraud and over charging on their platform leaving my account vulnerable and overcharged multiple times. Their dispute resolution process was unfair and deceptive as they also do not comply with the Electronic Fund Transfer Act. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I am filing a complaint for violation of the CARES ACT on mortgage forbearance. Please see my complaint that is attached. I just realized it won't let me upload anymore attachments referenced on my complaint as it states file is over XXXX. But I think I included the important documents. Letter from XXXX stating the investor of my loan is XXXX XXXX and also on the loan modification agreement shows subject loan is a XXXX XXXX loan. I am not sure how to provide additional documents.
Product: Credit card or prepaid card

On, XX/XX/2021 I received a letter from Capital One regarding my XXXX XXXX Credit Card. It stated that they had put a hold on my card. I called that day and was unable to receive information on the card, unless I sent them a copy of my Driver 's License, Social Security Card and a Utility Statement. I explained that I was not comfortable sending this information as I am already a victim of identity theft. They stated they could not give me any information. I requested that they close the card and told them I was cutting the card up. They stated again that they could not close the card unless I sent them the copies they requested. The last statement I received on the account was XX/XX/2021 which at the time showed a negative balance on the card of $ XXXX. On XX/XX/2021 we were reviewing our personal checking account and saw that a {$300.00} transfer came out of our account and went to Capital One. We called to question the transaction as we did not authorize this to come out. Again the individuals with Capital One stated they could not release the information without the copies of the cardholders Social Security Card, Driver 's License and a Utility Statement. XXXX who was the Customer Service Rep with Capital One stated there is a balance of {$400.00} on the account. I requested a statement showing this. They stated they could not provide that without the requested documents. I informed them that I was turning this over to the Attorney General 's Office. They stated they did not care as they were a large company. I called my daughter who then came to assist. We called Capital One again and requested to talk to a Fraud Manager. We spoke with a XXXX. XXXX stated that they could not give any information on the account without the documents. My daughter explained that we would not send copies of the documents in an unsecure manner and requested that they send the request in writing to the cardholder. XXXX stated they could not do that. My daughter also requested that a statement be sent to the cardholder which is me so that we would know what charges are on the account as we have not received a statement since XX/XX/2021. My daughter also explained to XXXX that since the cardholder requested the card be closed that if transactions that took place after the request and if they were not done by the cardholder that the cardholder would not be responsible for those charges and that they are also required to send a statement on the credit card account showing the charges and balances owed. The information they are requesting is private information and their should be other ways they could verify that I am the cardholder without having the physical copies of my information or their should be a secure method to send them and this should be a request that can be given in writing. We would like the CFPB to investigate the company and their privacy methods, regulation compliance. I will be disputing the {$300.00} charge that they took out of our account as well.
Product: Debt collection

I was a student at XXXX University and placed my education on hold due to XXXX parent illness. The school was notified and information was shared of the situation where a leave of absence would be required. 
However, the school did not update my status and blocked me from returning when I tried to complete the degree. In addition, The school stated the returned funds to the department of education which has not been founded. Therefore, since this was a statement they applied they charged my account for monies in which they stated that was returned. In addition they have blocked me from receiving my transcripts to continue education elsewhere. 

now they are attacking my credit report with a falsified bill of service that never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notify TransUnion and the company responsible for reporting these account that they are Fraudulent and they need to delete these account from my credit report : XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX
Product: Checking or savings account

Some individuals managed to get my account information and stole money from my account
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Please excuse the reasons selected. I tried to make a small payment but the company 's website does n't recognize the routing number for my savings account. I emailed and verbally told employees that it was n't working. As of XXXX/XXXX/XXXX, the website is still not accepting the routing number. 

Message on website after entering routing number : The payment information provided is invalid. Please try again.
Product: Credit reporting or other personal consumer reports

I have previously contacted XXXX XXXX regarding correcting and deleting information on my consumer report. I have disputed this information and XXXX XXXX continues to report this information that I have stated is incorrect. They are in clear violation of the law, under15 USC 1681b. Permissible purposes of consumer reports. The Law Clearly States ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my my consumer report? Furthermore, the Fair Credit Reporting Act 5 USC 1681 ( 2 ) ( a ) ( i ) : Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; Delete Late payments from my consumer reports this agency is in violation of15 USC 1681 et seq. , governs access to consumer credit report records and promotes accuracy, fairness, and the privacy...

They continue to report disputed inaccurate information on my consumer report and they have failed to respond to my request. 

The following information has been disputed XXXX  Inquiry not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry not authorized Ally XXXX This account was never late, never reported late but has been charged off an account can not be charge off unless it has been late. 
Capital One Auto Finance XXXX report late payments on my consumer report which is a violation of 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. Text contains those laws in effect on XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX Late payments reported MI XXXX XXXX XXXX XXXX Late payments reported XXXX XXXX XXXX XXXX NO PARKING this account is on my report and I have contacted this collection agency along with XXXX XXXX and they continue to report an account that I was never notified about and I have never had an account with this collection company. 
The following addresses continue to report on my consumer report after I have disputed them they do not belong to me. 
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: Credit reporting or other personal consumer reports

UPON REVIEW OF MY CREDIT REPORT I FOUND MULTIPLE FRAUDULENT HARD INQUIRIES ON MY CREDIT AND FALSE INFORMATION SHARED WITHOUT MY CONSENT TO THE 3 CREDIT BUREUS INVOLVED. I HAVE BEEN UNABLE TO RESOLVE THE FOLLOWING WITH INVOLVED COMPANIES DESPITE ATTEMPTS TO COLLECT INFORMATION AND REACH A RESOLUTION. THESE ARE THE FRAUDULENT HARD INQUIRIES I FOUND. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALONG WITH OTHER DATA THAT WAS SHARED WITH XXXX WHICH I DID NOT APPROVE SUCH AS THIS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I made a payment to my brother of XXXX dollars using Zelle. My brother never received the payment, and the money was taken from my account. I was told that there was nothing they could do to get my money back.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX XXXX XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.