23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to request a justification for US Bank charging {$5.00} for me to make my mortgage payments online. Is it somehow more expensive for you to manage online payments than to process physical checks? I would think it is actually cheaper. I pay all of my bills online, and this is the only one that charges me for that " special privilege '' in 2016. I feel this is an unfair business practice and can not be justified with a business reason.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX  Date of inquiry : XX/XX/year> Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX. 
Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX I have disputed this collection account before but XXXX has NEVER required this debt collector to submit evidence of the ACTUAL default date. What appears on my credit report is the date they bought the debt, not the date of actual default, which was at least 13 years ago.

The law clearly states that a debt must be removed from a credit report 7 years from the date of original default, not the date the collection agency bought the debt.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations Add comment...
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want it to be remove from the XXXX credit report agencies. 

1. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft MIDLANDCRE Account XXXX : XXXX This is not mine. 

5. Identity Theft COLLECTION Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I am unable to access my account due to not having any access to my email or phone number. They won't let me reset it, as I am unable to pay off my loans now. I asked them if I could just pay off the loan and close the account and they they said no to me. So by withholding my account information is a crime itself because these people just took over my loan account with me having any type of access to it over two months now. I call them every 3 three days and they just explain to me that they will escalate the problem. I have no way to pay off my loans which is illegal. It's illegal to stop me from making payment and having access to my loan information.
Product: Debt collection

Hello, on XX/XX/XXXX I was contacted by a person CLAIMING to be a debt collector. At this time I am unaware if they are a scam or real. They are breaking multiple rules. First off, they began calling my wife claiming to be collecting a debt for a loan she did n't know about. They have called repeatedly after being told to stop. They have called her work to discuss the information with other people. We have recently gotten married, although they were unaware of this, as it was 3 weeks ago so when I told them I 'm her husband, they were willing to give me all the information, even though legally they have no proof I 'm her husband and are not legally allowed to discuss the debt with anyone else. They have threaten jail time, they have called me names and called my wife names. They refused to give written validation saying the email they sent me is enough. They claim to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX The email they sent me cites a different number than what they call from and has no official letter head. The number they call from is ( XXXX XXXX XXXX The number on the email isXXXX XXXX ; XXXX They now continually call ME at work after speaking with one of her old employers and finding out where I work The email address they used was XXXX
Product: Checking or savings account

On XX/XX/XXXX I noticed that someone on XX/XX/XXXX added a Bill Payee ( XXXX XXXX XXXX XXXX ) without my knowledge or authorization and made two payments back to back that were showing up as " pending '' on my account. I called the Fraud Department immediately. One payment was {$9700.00} and the other for {$9800.00}. Wells Fargo DID NOT send me a notification that the XXXX XXXX was set up or paid. Wells Fargo has credited back to me the {$9800.00} amount but not the {$9700.00} amount. They keep declining my claim. I have been a customer of Wells Fargo for over 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

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: Money transfer, virtual currency, or money service

My brother sent me {$850.00} on the Venmo app. I then transferred that {$850.00} to my bank account on XXXX, but i never received the funds in my bank account. I filed a dispute with Venmo, and they have not attempted to contact me or resolve the issue. If I call customer service they tell me there is nothing they can do. The bank transfer was marked as " complete '' on the Venmo app but I do not have the funds.
Product: Debt collection

Eastern Revenue , Inc wants to collect over XXXX from me for an ambulance ride. I tell them repeatedly that my insurance covered it, and I dispute the debt on my credit report, but they send me letters in the mail saying " I couldn't be identified as insured '' and I called the ambulance company, and they say they've never heard of Eastern Revenue , Inc . 
" Eastern Revenue , Inc is located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX '' According to what I found about them on XXXX.
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. 


Has violated my rights. Or list of inquiries : XXXX XXXX XXXX5 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: Debt collection

To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

I informed Experian that the following accounts need to be corrected or deleted, pursuant to FCRA 611, because of inaccurate unverifiable payment history. Experian did not conduct an independent investigation, did not correct or update, nor did they provide any documentation to explain how they verified the inaccurate payment history. 

By ignoring my legal requests for a reasonable dispute investigation, Experian illegally extended the investigation, beyond what the law allows. These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and Im baffled as to why theyre there. My usual credit check revealed discrepancies Ive never seen before. I tried refreshing the page in case it was a glitch, but the issues persisted. I am asking for an immediate and thorough review of the documents Ive sent to prevent this from happening again.
Product: Credit card

I applied online for indigo credit card. I was approved for XXXX. XXXX first year fee XXXX thereafter. They send me the card. I received it on XX/XX/year> and I already have a balance of XXXX. I called today and the XXXX XXXX said it was my annual fee. I said no, that's not what I agreed to or was in the screen. I would never apply or agree. I asked for manager. She tells me she can't send me the terms of my card agreement. But that it shows XXXX Then she says oh, your account was closed today due to suspicious activity! I haven't even tried to up use the card since I received it. Because if the XXXX issue didn't get resolved, I was closing the account out. They lied.
Product: Credit reporting or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
They are being listed as follows : XXXX XXXX XXXX Acct # XXXX Amount : {$1800.00} Opened XX/XX/year> The below listed LATE PAYMENTS that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains ... these late payments are incorrect payment history information. 
LATE PAYMENT CREDITORS ACCOUNT NUMBERS DEFIAUTO/DRIVRZ FINANC Account Number XXXX Dates reported late and inaccurate : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CREDITOR INOUIRIES DATE OF INQUIRY : XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I had wired {$50000.00} into Coinbase and followed all of their instructions. Everything was done correctly. I have confirmed with my bank as well as with Coinbase 's bank that the wire went through correctly. Both banks have confirmed. 18 Days later our Coinbase account has NOT been credited. We have contacted their support numerous times. They do not answer support requests at all. We have called them twice only to get the runaround. The last time we called we were told a special would be looking into our situation. Again, no responses. CASE # XXXX
Product: Student loan

Waiting 20 days now for reinstatement and refund of loan XXXX. Very urgent, please reinstate and refund my loan. Thank you
Product: Money transfers

I have had a paypal account in good standing linked to an ebay account in good standing for over 10 years. I sell on ebay, this is my living. I 'm a single mom of XXXX, and this is my sole income. Today, like every day before, I transferred funds, {$5200.00}, from my paypal account to another account in preparation to deposit into our business bank account. Every day I do this. However, until this weekend, I 've only had to transfer amounts up to {$2000.00} at once. I DO NOT KNOW that this is what created the issue. Today I transferred the {$5200.00} and it instantly became on " Paypal Hold ''. It did not show up in the receiving account nor was it available there for cancellation and it did n't show up in my paypal sending account so it could be canceled or available. Upon contacting Paypal, I was told that I needed to talk to their COMPLIANCE department and I was refused a contact number to get in touch with said department. I was also refused a reason as to why my funds were held. After repeated attempts to get information, I will still denied a way to contact the " right department '' within paypal and I was denied a reason for the funds being held. There has to be some protection for consumers. This is my money, its all the money I have, without it, I have {$12.00} in my bank account to care for me and my XXXX children. Why do we grow dependent on a banking or money transfer system for over 10 years and not feel comfort knowing our money is safe there? As I did, and now, instead, I am not able to access this money nor get information in regards to how to get my money back. 

The paypal account email address is XXXX. XXXX, XXXX, # XXXX. 

PLEASE help me with this. It does n't seem legal that they can seize our funds without cause and without any information. 



All of the below apply Money not available when promised Incorrect/missing disclosure or info Unauthorized cancellation Fraud
Product: Checking or savings account

My bank delayed a few transactions in order to create a negative balance of XXXX during the same day I scheduled 2 transfers to arrive on the same day. I called and the rep told me a XXXX $ NSF fee would be added Tomorrow despite the fact that I had 2 transfers arriving hours after they applied the fresh negative balance to cover it. This means a nsf fee should not be generated and the bank chose to dissolve our relations by trying to delay the transfers in order to steal a XXXX nsf fee even after confirming that they see the transfer coming.
Product: Checking or savings account

On XXXX XXXX XXXX made a deposit with a teller inside the TD Bank location at XXXX XXXX XXXX, XXXX, MA XXXX into a personal checking account ending in XXXX in the amount of XXXX, comprising of a money order in the amount of XXXX and cash in the amount of XXXX as a single XXXX dollar bill. 

The deposit slip completed by the teller reflects a misspelled customer name and incorrect customer account number, although it does reflect the correct deposit amount including the sum total of the money order and cash deposit. 

On XXXX TD Bank posted a debit adjustment to the account in the amount of XXXX. 

Note that this is the second instance in which TD Bank has posted an incorrect deposit amount to this customer 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent by certified mail disputes that were delivered on XX/XX/2019. I have attached the tracking number and verification that is was received on XX/XX/2019. As of today XX/XX/2019 I have not received any communications by mail as to the results or status of these disputes. I called today XX/XX/XXXX to inquire as to why I didn't receive the results and after speaking to 3 different people one being in consumer affairs and providing all 3 with name, birthday, social security number, current address, current car loan info, they refused to give me any information stating they were not able to verify my identity. Furthermore they wanted me to go over every line item on my report before providing any information about the disputes. These tactics are unprofessional, inappropriate, and a violation of my rights under FCRA.They are doing this willingly and with malice as described ( wrongful intention, especially as increasing the guilt of certain offenses. )
Product: Debt collection

I disputed the company XXXX XXXX XXXX several times and this debt collection was removed from XXXX but it has not been removed from XXXX or XXXX which is in violation of the FCRA sec623 ( a ) 15 us code 1681-2. All credit bureaus must have the same information
Product: Mortgage

There was a supplemental tax bill that was overlooked when our house was purchased. In the year and a half since we bought this house the mortgage has transferred between three different companies. When it was first transferred to this current company last year, they made an inaccurate escrow analysis and tried to raise our mortgage by a ridiculous amount. After proving that it was calculated wrong the payment was lowered back down. 
Now that this supplemental tax bill that I thought was already taken care of by the first lender has been paid by the newest company they are again trying to raise the mortgage by {$800.00} a month. I called them on XX/XX/XXXX to point out that the supplemental tax bill is a ONE TIME charge whenever a house is sold. It is not a yearly charge and that it should not be included along with the county taxes in the new analysis. The representative did not seem to understand and informed me that he would request an escrow analysis since the numbers weren't adding up and that it should be done in 5 days or so. 
Two weeks go by and I have not heard anything back so I messaged them online. I was told in the chat that the escrow analysis was declined due to " no changes '' in our taxes. I was not informed about this decision in any way. The chat representative also did not seem to understand about the supplemental tax bill and that nothing will change unless I provide proof from my county of what the taxes for this year will be ( a document that the bank and I both already have ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$980.00} on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I spoke with a representative from XXXX XXXX and had an agreement for a payment plan on this account. I made every scheduled payment required. I never received any notification and/or communication from XXXX XXXX that this account was not in good standing. I only recently discovered this account is reporting as a charge-off when I obtained a copy of my credit report. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint : Dispute of Inaccurate and Unauthorized Addresses on Credit Reports Dear Consumer Financial Protection Bureau, I am filing this formal complaint to report the inclusion of inaccurate and unauthorized addresses on my credit reports maintained by Experian, XXXX, and XXXX. Many of these addresses are linked to identity theft incidents, while others are simply inaccurate and have no legitimate connection to me. 

Disputed Addresses : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inaccurate XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Identity Theft The inclusion of these addresses violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of information reported ( 15 U.S.C. 1681e ( b ) ). Furthermore, under 15 U.S.C. 1681c-2, upon notification of identity theft, credit reporting agencies must block the reporting of any information resulting from such theft, including fraudulent addresses. 

Violations of Federal and State Laws : FCRA 15 U.S.C. 1681e ( b ) : Failure to ensure accurate and verifiable information.

FCRA 15 U.S.C. 1681c-2 : Failure to block identity theft-related addresses despite notification.

XXXX  Consumer Protection Act ( 13-301 et seq. ) : Allowing misleading and unauthorized data constitutes an unfair and deceptive practice. 
These violations have caused undue distress and a risk of further identity theft by enabling fraudulent activities tied to incorrect addresses. 

Requested Actions : Immediate removal of all disputed addresses listed above from my credit reports. 
A written confirmation from each credit bureau confirming the removal of these addresses.
Product: Student loan

My interest rate increases from 3 percent to 13.12 percent every XXXX ; even though I am on an adjusted interest payment plan. My payments are suppose to be {$220.00} every month as long as I submit to an automatic debit even though the payment fluctuates. I asked for information on the type of payment plan and the restrictions, requirements, and events but I am always told " you will receive that information via email '' but I never receive anything. My renewal month is XXXX each year for which I receive an email ( enclosed ) in early XXXX to which I promptly respond. 
My interest rate should not increase like that if I am on a payment plan, renew ontime, and pay ontime? 
Best regards, XXXX supporting documents