23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I WAS SCAMMED BY A COMPANY CALLED XXXX XXXX XXXX PHONE # XXXX. I PAID THIS COMPANY {$XXXX} 2 DIFFRENT TIMES. {$XXXX} ON XXXX-19 USING MY XXXX XXXX CARD AND {$XXXX} USING MY CHASE XXXX CARD. THIS COMPANY DID NOTHING FOR ME AND THEY WON'T RESPOND. I TRIED TO DO FRAUD ON THIS COMPANY AND UNABLE TO GET A REFUND. I REALLY NEED THIS MONEY AND NOBODY IS TRYING TO HELP RESOLVE THIS MATTER.
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 to this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple futile attempts to dispute the fraudulent items with you. Your correspondence stated that the account in question " WAS PREVIOUSLY INVESTIGATED. '' I diligently accessed my Credit report through your respective websites and obtained copies of the information pertaining to : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : PROGRESSIVE ) XXXX Balance : {$240.00} U.S. Bankruptcy Court XXXX  XXXX bankruptcy Reference # : XXXX. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( a ), it is mandated that upon receiving a dispute, each consumer reporting agency must conduct a free reinvestigation, accurately record the current status of the disputed information, or remove the item from the file within 30 days. This timeframe commenced on the date the dispute was received, and unless the account is deemed frivolous or irrelevant, there has been no indication that my dispute falls under these categories. Yet, the item continues to persist on my file with a mere last investigation. Given this information, I demand the immediate deletion of the disputed accounts from my Credit file in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT entertain another reinvestigation of the account ; ONLY deletion will be acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from Equifax, XXXX, or XXXX! 

XXXX Equifax XXXX XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear XXXX Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated. 

I look forward to a swift and amicable resolution to this matter. 


Sincerely,
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I expected to finance XXXX XXXX XXXX XXXX as that was what we had discussed prior to me going from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When signing the documents with the finance manager XXXX he was quickly discussing warranties. I had been told by the sales rep that the dealership " gives '' you a warranty of sorts so the process had taken HOURS and he was going quickly and I was XXXX engaged because I had to get back to get my child and get to work. The final paperwork showed a financed amount of XXXX XXXX and I was SHOCKED!!! I didn't say anything at the time to XXXX. When we were leaving my mother told me the difference was the extended warranty that was right at {$6100.00} that I didn't want. They told me I had 5 days to return the vehicle for any reason if I wanted to. I didn't want to return the vehicle at the time, but I did want them to remove the extended warranty. On XX/XX/XXXX I called XXXX and explained the situation with the extended warranty and that I didn't want it. He of course tried to get me to keep it, but ultimately said he would cancel it and send the information to Ally the finance company to issue a credit on the loan. He stated when I got my paperwork from Ally it would reflect the credit for the extended warranty. XXXX did absolutely NOTHING!!! 
My first payment was due to Ally on XX/XX/XXXX. As of XX/XX/XXXX there had been no credit issued. My mom who is a co-signer on the loan with me went to social media as XXXX isn't registered with the XXXX to voice our issues. She received a call that day from XXXX - XXXX XXXX at XXXX XXXX XXXX stated we had to go to the dealership website to cancel the warranty. I argued that with him as no one had said that up to that point and we had been through it with XXXX & ALLY. XXXX stated if I would do that he would expedite the check to ALLY and it would be credited within 7-10 business days. ALLY agreed with that comment. 
That check was sent to Ally on XX/XX/XXXX, XXXX # XXXX for {$6100.00}. As of today that check has not been credited to my account. 
The dealership also calculated the tax & tag too high and the check to the DMV had to be returned 3 times. There was on overpayment of {$600.00} that was also to be sent to ALLY for a credit to the bottom line. That hasn't hit the account yet either. 
The intent all along was to refinance with my credit union for a better interest rate. Today I decided to go ahead and deal with the credit union as I was getting NO satisfaction with XXXX  or ALLY. When running all the figures the credit union tells me they can't refinance because the Loan to Value was in excess of 120 %. Obviously if those credits were on the account this could potentially be rectified. 
We are so tired of dealing with this mess. It's been going on for nearly 3 months and enough is enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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
Product: Credit card

Hello, I am writing to file a formal complaint against Truist Bank for their failure to uphold consumer protection standards in a credit card dispute. I am a Truist credit card holder, and I have been egregiously wronged in a dispute with a merchant, XXXX. 

To provide context, my husband and I made XXXX purchases from XXXX on XX/XX/year> : A XXXX XXXX  XXXX  for {$630.00} A warranty for the XXXX XXXX XXXX for {$69.00} Memory for {$410.00} The XXXX XXXX XXXX was delivered in a damaged and open box and was defective. The memory was not as described in the product listing. I initiated return requests with XXXX on XX/XX/year>, for both items. The XXXX XXXX XXXX was returned on XX/XX/year>, and the memory was returned on XX/XX/year>. 

Despite XXXX 's return policy stating " 30-Day Hassle-Free Returns '' and assurances of refunds, I have not received any credit to my account. Instead of issuing refunds, XXXX attempted to send unwanted replacement items, which I refused. XXXX, now a marketplace favoring third-party sellers, kept my {$1100.00} and the returned goods a situation I consider theft. 

I have made numerous attempts to resolve this issue with both XXXX and Truist. I contacted XXXX multiple times via email, phone, and chat support. I also contacted Truist multiple times via email and phone to dispute these charges. 

My experience with Truist 's customer service has been extremely unsatisfactory. When calling Truist, I was often routed to customer service representatives located outside of the United States. These representatives demonstrated a lack of understanding of United States credit card laws, dispute resolution processes and lack of knowledge hindered their ability to provide adequate assistance. 

Truist has failed to protect my rights as a consumer. I have returned the merchandise as required, yet I am still being held financially responsible. This situation is unacceptable and, as I expressed to them, facilitates a climate where consumers are vulnerable to fraud and unfair business practices. 

I am seeking your assistance to investigate this matter and help me recover the funds owed to me. I have attached all relevant documentation, including transaction records and return confirmations to support my complaint. 

Thank you for your time and attention to this critical issue. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Mortgage

I started the process to refinance both my properties in XX/XX/2020 with AmeriSave Mortgage. AmeriSave provided a Loan Estimate with a breakdown of interest rate and fees. The interest rates and fees were fairly good and reasonable, so I decided to go with them without shopping around. I requested to lock the interest rates and fees ; however, I was told by AmeriSave Loan Originator that that is not needed and that they will match existing Loan Estimate numbers at closing. Over for months later, AmeriSave called me and said that they are sorry but they are not able to match as promised. Either I take the new rates and fees or just not go through with the loan. They said that I am not the only one that they doing this to so they are not able to help as it is coming from their leadership and investors. I feel this is unethical and I do not believe this is allowed to go on as a business practice to bait someone and then switch during closing. This company needs to held accountable and stop taking advantage of customers during this time.
Product: Student loan

I got my loans through XXXX XXXX. They were taken over by Acs. I have multiple late payments on my account. I have disputed all of them and had some removed because Acs " had no record '' even though they had reported to credit agency they were late. After multiple disputes, I was able to get some off. I expreressed my frusterated to Acs multiple times that when they had reported these late payments that there was no person to talk to when I initially got my loans bought by them. It is not since this last two years have they changed their system. They will not now backdate any of my deferements or forbearance and are reporting I am late, even after I used their automated system to get my payments postponed. I told them my loans are being consolidated. I never have had any issues with my XXXX loans or when XXXX had my account, only Acs. There are multiple times I have applied for postpone payments and then they are showing up late. It is so hard to work with a company that is not accurate on reporting their information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I opened a new credit card with XXXX XXXX and as always I set up automatic payments through their automatic system right away. Two month later without having a single alert or notice, I discover that they destroyed my credit history reporting two late payments. My credit score went from good to fair and I cant apply for any more credit! I already spoke with them and told them that I set up automatic payment which didnt go through. Also I moved to the new address from XXXX XXXX to XXXX XXXX XXXX, XXXX and didnt receive a single bill that my account is overdue to my new address. My understanding was that I setup automatic payments but their automatic system fails on purpose so they can collect their fees. 

Please help me. They destroyed my credit history while it was their fault because they had problem with the automatic payments system. I spoke with their representative and she said that it happens to other customers! I dont trust this company any more when they do such unethical practices - not only stealing millions of dollars but destroying credit history which causes hardship for families. This was such a mistake opening account with them. Wish I never dont this. Also they promised me 0 apr for a year ( that was the reason I signed up ) but then they charging me 28.24 % Please publish my report so it is visible for all the people to read! 

Thank you so much! 
XXXX XXXX XXXX account number ending : XXXX My cell : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This summer, my student loans were moved from XXXX moved to Mohela. On XX/XX/XXXX I applied to the new SAVE program, knowing that repayments were starting on XX/XX/XXXX. 

I have requested to have Paperless contact from Mohela, so all of my official letters from the company come through the online Inbox in their portal. 

On XX/XX/XXXX, I received a letter in my Inbox from Mohela that was backdated to XX/XX/XXXX, telling me that I had been approved for one month of Forbearance ( which is a standard practice when switching between IBR plans to the new SAVE plan ), and that my Forbearance period is from XX/XX/XXXX - XX/XX/XXXX. It stated that if I had not paid my {$5.00} Forbearance payment, that I needed to contact them by phone. I have not been able to find any information indicating that I did pay at the time of my application ( I don't think I was ever given an option to make that payment ). Mohela has had hours long wait times, and despite trying to contact them, I have not been able to get through. 

I also received a second letter in my Inbox on XX/XX/XXXX, backdated to XX/XX/XXXX, that stated that I had been approved for the SAVE plan, and giving my new SAVE payment amount. The letter also states that my SAVE payments would not start until my deferment period ends ( Per the Forbearance letter - after XX/XX/XXXX ). 

However, on the Mohela website, instead of showing that I am in Forbearance, it says that I owe my first payment towards the SAVE plan starting on XX/XX/XXXX. 

I received these two conflicting letters on the same day, and they gave me conflicting information about the status of my account, and about my payment amount. 

Additionally, because Mohela was so delayed in uploading my official letters into my Mohela Inbox, I did not receive ANY information about my repayment amount until XX/XX/XXXX, which was only one week before payments were due to restart on XX/XX/XXXX. This is not enough time to plan for something as big as student loan payments. It also has not been enough time to get in contact with a representative from Mohela to have my questions answered, particularly when each attempt to call requires hours of wait times, and when some of those calls end in disconnections or hangups before even being able to reach a representative. In fact, I have once again been sitting on hold with Mohela while filling out this complaint, and a complaint with the Department of Education. This current call wait time is one hour and counting.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, 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 an 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

I have one existing credit card that shows late payments it has never been late one that was paid off and closed and it shows that it is still open by JP Morgan and that it was just a debt that was settled we paid it in full and I close the account because I didnt want to deal with Chase Bank anymore it is still on my credit report
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

I C System XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Debt Collection Account ( Account No. XXXX ) To Whom It May Concern, I am writing to formally dispute the validity of the collection account reported under my name and appearing on my credit report. The account is listed as originating from XXXX XXXX XXXX XXXX XXXX but I do not recognize this debt and believe it may be fraudulent or reported in error. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 1681i ), I am requesting that you provide written verification of this debt, including : 1. Proof that I am the responsible party for the alleged debt.

2. A detailed account of the origin of this debt, including a signed agreement or contract with XXXX XXXX XXXX 
3. Documentation of all charges, payments, and correspondence associated with this account.

If you can not provide the requested documentation within 30 days, I demand that this collection account be removed from all credit reporting agencies to which it has been reported. Reporting unverifiable or inaccurate information violates the FCRA and may result in legal action.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I am requesting that you cease all communication regarding this matter unless proper validation of this debt is provided.

Please provide all responses in writing to the address listed above. If this debt can not be validated, I expect an immediate deletion of the account from my credit report, as well as written confirmation of its removal.
Product: Debt collection

This alleged debt has been transferred several times and this new collection agency has gone a step further and has sent a bogus account detail statement that can not even be read as a piece of evidence stating it is my debt. This letter was sent to my previous address and since my husband died unexpectably in XX/XX/XXXX I have not pursued this but they have been ruining my credit once again and reporting this as a collection debt. The following documents will support this false allegation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to remove the fraud alert ( s ) on my consumer report on your website. After several attempts I keep receiving an error message stating Were experiencing technical difficulties and were unable to process your request at this time. I also attempted to remove the fraud alert ( s ) by phone but was denied and told that I have to send in a written request. I was told by your Representative XXXX XXXX that you let some consumers remove fraud alerts online and by phone and other consumers have to send in written correspondence. This is unfair business practices and your company neither exercised its responsibilities with fairness and impartiality. This entire process has been frustrating and mentally exhausting. 

This is my NOTICE of consent to remove any/all fraud alert ( s ) that are active on my consumer report. My Drivers License and Social Security Card have been attached to this correspondence. Please send me a written notification that the fraud alert ( s ) have been removed and an updated copy of my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requted XXXX to remove inaccurate reporting. Sent them copies of the request dated back XXXX with no futher updates from XXXX XXXX I loked at my credit report XXXX inaccurate accounts are still showing. 

XXXX XXXX sent improper validation Financial data ( 2 ) no response to my 30 day demand request XXXX no response to my 30 day demand request