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

Fidelity Investments solicited me for a Fidelity Visa Card, which I have had for over a year and consistently paid on time. On XX/XX/2020, while on the Fidelity site, I directed payment of {$21000.00} to the credit card. The popup window gave me options for making the payment, and the default option was " Pay from this Account : Fidelity Investments -- Ending in XXXX. '' I elected the option to pay from that Fidelity account. On XX/XX/2020, I visited the Fidelity site and saw that my payment had been reversed and that a {$25.00} reversal charge had been imposed. I called the " XXXX '' number and spoke to a representative from Elan Financial Services, which manages Fidelity 's credit card operations. Elan responded that Fidelity had rejected the payment due to insufficient funds and that Elan had no responsibility in this case. I called Fidelity and was told that although the default menu gave me the option to pay from a certain account, there was insufficient uninvested cash in that account in order to cover the payment. I responded that the payment menu did not mention " cash available '' within the account, but only the specific Fidelity account with an account number. I noted, in contrast, that when a customer tries to use the Fidelity site to invest from a Fidelity account, there is a popup window that shows the cash available for investment, but there is no similar reference on the payment window for its credit card site. Fidelity denied responsibility, saying this was Elan 's policy, even though Fidelity 's name is all over the credit card site and you can not find Elan 's name unless you scroll to the bottom and read the tiny print. I suggested to Fidelity and Elan that the payment window should not refer to payment from a specific Fidelity account unless it clarified, as Fidelity does with online brokerage transactions, that a customer can only use the uninvested cash portion of a specific account, not the entire account as suggested by the popup payment menu. The payment window that encourages a customer to use a specific Fidelity account is misleading in that it does not clarify that the customer can only use the uninvested cash portion of the customer 's listed Fidelity account and also because it does not list the cash available as Fidelity does with brokerage transactions on its site. I asked both Fidelity and Elan to reverse the {$25.00} fee and they both refused, each claiming that the other was responsible. It would be interesting to know if the two institutions split these fees when they trap unwary customers like me. It is unfair for Elan to just respond that Fidelity is an unrelated party ( when the entire site refers to Fidelity with only a tiny reference to Elan ) and then disclaim Fidelity 's  standard practice of telling customers how much cash is available for actions with their accounts. If Elan is inextricably intertwined with Fidelity, it should not be able to disavow Fidelity 's standard practice and collect a penalty fee that bears no relation to any damages to Elan.
Product: Debt collection

On  XXXX / XXXX / 2017 , I received an alert indicating that there had been changes to my credit report. I logged into my credit tracking account and found that this company by the name o f Deville Asset Management had   placed an alleged account on my credit reports. I have never heard of this company prior to  XXXX / XXXX / 2017 . On that same day,  XXXX / XXXX / 2017 , I filed a BBB complaint, the company responded, and I sent an official letter of dispute around  XXXX / XXXX / 2017  which  Deville Asset Management s igned for on  XXXX / XXXX / 2017 .     Sometime in  XXXX /2017, I received communication from  Deville Asset Management which poi nts to this account being time barred and null and void as they did not provide proof of the legitimacy of this alleged account. Around  XXXX / XXXX / 2017 , I again responded  to Deville Asset advising  them of the fact that they did not include proof that this account is valid and requested that they have this alleged account removed from my credit reports immediately.  Deville Asset Management signe d for this letter on  XXXX / XXXX / 2017 , and up to now this time barred, null and void account is still on my credit reports.
Product: Checking or savings account

In lew of my previous complaint with Bank of America, I called them yesterday to request a print out of all transactions from my business checking account ending in XXXX. They are aware that I am getting a case against them for stealing {$5100.00} by proving the debits they took out on the agreed amount of {$100.00} per month from XX/XX/XXXX to late XXXX. They will continue giving me the run-a-round. I have a right to the records of my checking accounts.
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. These Violations date back years.
Product: Checking or savings account

Blocking enabling external applications to access my bank and help manage it
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX ... .Last due dates reported incorrect. And different dates ... .in all 3 Berous. EQUAFAX, XXXX & XXXX. ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX , GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX for 8 years and I have never lived in these addresses reported on my FICO report. Also the my name isnt corrected as well my name is XXXX XXXX XXXX Please consider this a formal request to investigate and correct the following ( 8 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 641.1 Duties of users of consumer reports regarding address discrepancies. The following addresses listed below : XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, Ga XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Complaint regarding lump sum payments on my mortgage loan account, entered into XXXX 's web page. Verbal complaint not allowed, referred to web page. 

I entered this on their web page : " When a lump sum mortgage payment is made ( pushed from my bank ), you automatically apply it for up to the next three months of principal and interest. I am paying additional principal each month, and you keep applying it to multiple months ' principal and interest. I have to call each month to have you reverse the interest charges, and I believe you are actually charging me excess interest, because it is not back credited to the date the lump sum principal payment was received. In other words if the payment was made XX/XX/XXXX, and you convert the interest back to principal on XX/XX/XXXX, you are charging me an extra half month interest. I think this is a predatory lending practice. Think of all of the thousands of customers that you are cheating. 

Please go through my account and ensure you have not overcharged me interest for each month where I paid an addtional principal payment. You also need to modify your automatic processing software to not apply payments forward. 

Thank you for your attention to this. '' Dates : XX/XX/21, XX/XX/21, XX/XX/21 Amounts {$50000.00}, {$3000.00}, {$3000.00} I called XXXX to ask them to convert the future amortized interest payments back to principal, and they have cheerfully done so, but I believe they have possibly overcharged interest on the mortgage accounts of myself and many other customers who thought they applied lump sum payments to current principal, not future amortized interest. They told me extra payments are applied up to three months forward if sent from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is 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. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW : XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX inquired in XX/XX/XXXX, XXXX inquired on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX inquired on XX/XX/XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX XXXXBY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting or other personal consumer reports

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 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

There was a collection account placed on my XXXX credit report on XX/XX/XXXX with a balance of {$1800.00} by Portfolio Recovery Services. The original creditor is listed as XXXX XXXX XXXX whom I have NEVER heard of. It is listed that the account was opened in XX/XX/XXXX. I have not opened or applied for any credit accounts in the past year. This is not my account and I do not owe this company any money. I have never received any written or verbal notice of this account either prior to or after it was placed in collection therefore this has been my first and only opportunity to dispute this. I was part of the XXXX data breach as well as a XXXX XXXX XXXX XXXX data breach. I have disputed this directly with XXXX as well as attempted to dispute it with Portfolio Recovery Services
Product: Credit reporting or other personal consumer reports

I am asking for your help to investigate such accounts from these companies that are reporting me inaccurately about late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD BE NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Product: Checking or savings account

XX/XX/XXXX I was getting help registering a tv and the man locked my phone and sweeped my accounts, he transferred money to his XXXX resulting into {$1300.00} .I contacted Navy Federal and when I made the claim they denied it saying by letting the gentleman fix my tv I gave him full permission to sweep my account and they would not fix it .I tried to contact someone above because I did not accept these charges, my phone was locked and they breached into my banking info and sweeped my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not view updated credit information online through any means that I currently use. XXXX XXXX gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using XXXX XXXX for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX to resolve the issue. To verify that whether it is a XXXX XXXX issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, Experian says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on.
Product: Credit reporting or other personal consumer reports

Dear Equifax : To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 10 PREVIOUS LETTERS to you, all by certified mail requesting that you REMOVE INACCURATE INFORMATION from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are ERRONEOUS AND COMPLETELY INACCURATE and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons WERE NOT FRIVOLOUS in any way. 

These items are reported inaccurately : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 

2. 15 U.S. Code 1666b - Timing of Payment XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

3. The following personal information is incorrect Former : XXXX XXXXXXXX If this final request does not prompt you to conduct a PROPER INVESTIGATION of these accounts in question, and SEND PROOF to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.

I take my credit very serious and your lack of professionalism and assistance disappoints me. I AM WELL AWARE OF MY RIGHTS UNDER THE FCRA ( FAIR CREDIT REPORTING ACT ) and I intend to pursue them to the maximum. As you are well aware, federal law requires you to respond within 30 days through U.S. Mail. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX  & CFPB. 

I await your response. 

Sincerely, XXXX XXXX
Product: Debt collection

Aaron worldwide collection Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Claim # XXXX They have filed a collection to record on my personal credit report for a debt related to a business In which Iam a partner in. We dispute the amount owed. All invoices are in the name of the business. 
There has been no court action or jusdgement awarded to Aaron worldwide or  their client. 
We maintain that we will settle for the correct amount but they insist on a fabricated amount due.
Product: Credit card or prepaid card

I opened a new credit account with American Express about two months ago, responding to an offer for " Interest Free Use and Balance Transfer '' until XXXX ( 18 months ). I processed a balance transfer and made a couple of purchases. When the statement arrived, there was interest charged. I contacted American Express immediately in XXXX. On XXXX XXXX, they admitted via message in writing that they had " a technical issue occurred at our end due to which all impacted card members ' accounts were charged interest erroneously '' but " our dedicated team is working on this known issue and account will be remediated ''. On XXXX XXXX, they wrote " We have now started taking corrective actions. '' and " You will see a credit of the interest charges issued in XXXX automatically. ". THIS HAS NOT HAPPENED. Unacceptable delay for a company of this stature. I have contacted them several times, and each time they acknowledge the error and promise to fix it, with no result.
Product: Checking or savings account

I recieved this response from CFPB. 

I believe there is s cover up and it is full of lies ... XX/XX/XXXX, Tuesday. 


Info : CFPB XXXX XXXX XXXX XXXX. ( B ) wbd Checking account Managing an account Bank of America XX/XX/XXXX Closed Other I would like legal representation with FDIC XXXX law firm, for pirated, hacked, ID Theft, Identity Theft, and Intellectual Identity Theft, credentials. 

Bank of America. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX prepaid card, with XXXX and XXXX XXXX checking account, with XXXX, XXXX XXXX XXXX   XXXX, downtown XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX   XXXX XXXX XXXX, XXXX, online, all sending mail to my address at XXXX XXXX XXXX, La XXXX, CA XXXX. 

It is possible to subpoena XXXX XXXX, age XXXX, my uncle, of XXXX XXXX at XXXX XXXX XXXX XXXX of XXXX, and Michigan, XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE OR DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX  I AM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

My debt is from a XXXX XXXXXXXX that was not my fault. I was hit on my XXXX XXXX  by a woman on i XXXXXXXX XXXX. You can contact my lawyer his name is XXXX XXXX XXXX he was supposed to take are of all of this. Im the victim. I broke XXXX XXXX  and pretty much XXXX of my XXXX. My other bills where payed except this one.
Product: Mortgage

I received an unsolicited call from Central  Mortgage at XXXX XX/XX/22 they purchased a trigger lead from an application I made through another company. I asked him to identify himself with name and XXXX  number. He said they only provide the information if I agree to work with him. I asked how he got my information he told me that the XXXX XXXX I applied with sold my information to him. At which point I explained he is lying and I need his XXXX  number he than hung up on me.
Product: Debt collection

Call from ( XXXX ) XXXX Diversified Adjustment seeking XXXX XXXX. Diversified purchased bad debt or bad contact information from XXXX XXXX. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.