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

I ( XXXX XXXX ) opened a credit card with XXXX XXXX XXXX Commenity Bank card on XX/XX/XXXX. I made a purchase of XXXX that day. I paid XXXX 's via online banking through XXXX on XX/XX/XXXX. My billing period, is due every month on the XXXX. In XX/XX/XXXX, I received a late fee bill for {$30.00}. I paid the {$30.00} via XXXX banking on XX/XX/XXXX. Then in the month of XX/XX/XXXX, I received a bill for XXXX dollars with another additional late fee. I then called XXXX 's XXXX XXXX # and was told that they never received a late fee payment. I offered to send over my bank statement to prove that I had, and they refused. I then asked to speak with a supervisor and was disconnected several times during this call. One of the workers I talked to was able to refund the initial late fee payment, after agreeing that my original payment on XX/XX/XXXX for {$42.00} was not late to begin ( as per banking this refund was post dated on XX/XX/XXXX ). I was then told that the second late fee would not be waived ( despite not having a balance which would constitute not payment due ). I now monthly continue to get a bill from XXXX and have called monthly to dispute with resolve. I will often ask for a supervisor and will be hung up on or placed on a hold and then disconnected. I last called XXXX 's on XX/XX/XXXX. I was on the phone with 4 different representatives whom refused to tell me there name and when asked for a supervisor would disconnect me. I did ask to close out my account and I also called XXXX 's Beauty Supply Costumer Service who said they can not help as it is through Commenity Bank. Today, XX/XX/XXXX, I received a bill for now {$130.00}. It should be noted that I did not make any other charges to this card aside from original purchase date. I am at a loss and do not know what to do. I filed a compliant on better business burerau and have not heard back. I am being falsely charged and I am in need of support. Please assist. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

See report attached delete account and fraudulent unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

Nothing on my Transunion credit report has changed. The same information has been on there all month. Transunion out of retaliation dropped my credit score over 40 points. It was XXXX and dropped to XXXX over night. Keep in mind nothing has changed on my credit report. The only reason my score decreased by 40 points over night is out of retaliation for me filing a complaint against Transunion. If this is not so then I want them to explain to me why nothing has changed on my credit report. ( NO new debts, no new collections, nothing ) and they drop it over 40 points over night. In fact a few days ago a new account was added to my credit report. The account is in good standing. I have 5 accounts in good standing and nothing has changed except the new account and that was added over a week ago.I dont want to here their lame excuse that many things go into factoring my credit score. Nothing changed. There is no reason my credit score should have decreased by more than 40 points over night except for retaliation..
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 violates 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I requested Experian to investigate and remove items in my credit report that does not belong to me. They have refused to investigate causing me undue hardship and stress. In the process I have been denied credit because of these inaccurate information in my credit profile. These items are as follows:1. XXXX Bank not mine. 2. XXXX XXXX never late, 3.XXXX not my account, 4.XXXX/XXXX not mine 5.XXXX never late. 6. The XXXX XXXX XXXX not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX XXXX XXXX -- -> : {$2900.00} DEPT OF ED/XXXX XXXX  XXXX -- -> : {$1300.00} DEPT OF ED/XXXX XXXX XXXXXXXX -- -> : {$2900.00} DEPT OF ED/XXXX XXXX  XXXX -- -> {$3900.00} DEPT OF ED/XXXX XXXX XXXX -- -> {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, I did have owe XXXX charge card a balance of {$310.00}. It went into default. They sold it to collections. A company called Midland collections called me to collect the debt. I paid it in full. I was told it would be removed from my credit report if I paid in full. It was never removed. 

On my credit report it shows balance updated on XX/XX/XXXX. Opened in XX/XX/XXXX. Charged off on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint due to multiple inaccuracies on my credit report with Experian. My name is listed with several variations, but the correct name is " XXXX XXXX XXXX. '' Additionally, there are multiple incorrect addresses and employers listed. The correct address is " XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, FL XXXX, '' and my correct employer is " Publius Press. '' Lastly, please remove all phone numbers listed on my consumer report. According to the Fair Credit Reporting Act, specifically 15 USC 1681e ( b ), credit bureaus are required to maintain the maximum possible accuracy in their reports. I request that Experian promptly correct these errors to reflect my correct name, address, and employer. Please provide me with written confirmation once these corrections are made and send me an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a payment on a credit card account under an open end consumer credit plan as a late purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, and XX/XX/year>, I contacted Cash App to dispute a charge of {$1200.00} made to XXXX XXXX XXXX for a reservation at XXXXXXXX XXXX XXXX that I had canceled. The merchant, XXXX, had promised a refund, but I never received it. 

Despite providing evidence of the cancellation, Cash App denied my dispute and claimed that no error occurred. On XX/XX/year>, I requested the documentation they used to make their decision, but the information provided was incomplete and did not justify their denial. 

In addition to refusing the refund, Cash App also permanently closed my account, citing a violation of their Terms of Service. They did not provide any specific reason or evidence for this closure, and I was not given the opportunity to address or resolve any alleged issues. 

As a result of their actions, I have been unable to recover the {$1200.00} from XXXX, and I have lost access to my Cash App account and its features. This has caused significant financial and emotional distress. 

I am seeking a resolution that includes the refund of {$1200.00}, an investigation into Cash Apps handling of this dispute and account closure, and additional compensation for the harm caused by their mishandling of this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On ( Date ], I sent a letter to Experian notifying them of the reinsertion of XXXX, XXXX XXXX XXXX XXXXaccount number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, Experian, has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations.| Experian, actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with Experian, they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Mortgage

On XX/XX/2020 Dovenmuehle responded to our concern about which document is acceptable. They stated that according to CFPB Rules, a court appointed representative for the estate is required meaning that they would either need Letters of Administration or Letters Testamentary. Dovenmuehle further stated that the rules do not reference an Affidavit for Collection as an approved document. Please see the attached letter.

In reviewing CFPB 's website, no where could I find any reference to Letters of Administration nor Letters Testamentary. I only found this information. https : //www.consumerfinance.gov/ask-cfpb/how-do-i-get-mortgage-information-about-a-home-i-inherited-en-217/, which does not reference any court documents needed. I have also attached a screenshot. 

Here is were our confusion lies and would appreciate your help in clarifying which if any court documents are required by CFPB. Thank you
Product: Checking or savings account

I am unable to collect {$600.00} bonus offered as a new chase customer. I went into XXXX branch with bonus offer on XX/XX/XXXX. My banker was XXXX XXXX XXXX. Prior to opening accounts with him I pointed out fine print and asked him to confirm if I am eligible since I did not remember when I closed my last account with XXXX. He pulled up my information and told me to wait while he confirms with the manager. When he came back he told me I will not have an issue collecting a bonus. So we proceeded and opened chase total checking and XXXX savings on XX/XX/XXXX. I set up direct deposit from my job and deposited {$15000.00} cashiers check on XX/XX/XXXX. I have not checked if I received a bonus till XXXX, this is when I found out that I did not. Since then I had multiple conversations with my banker that they were trying to submit for bonus but I kept getting denied. The explanation I received in last conversation went pretty much like this. Him You were denied because you closed you last account in XX/XX/XXXX and it went less than 2 years since then. Me : I have asked you specifically about this fine print and asked you to make sure I qualify, and you went to a maneuver and came back with good news that I qualify. Now I had my money locked into to you bank while I could be earning better interest somewhere else. Him : I understand, but when we opened account there was no issue, it is a back office, it is not us. Me : So Im not getting any bonus, even that {$100.00} bonus for opening both accounts together that you printed out for me? Him : No. So I dont know what happened, but I started reading posts from other people and they actually get a message that does not allow Them to open  account with bonus offer Until they meet the 2 year Requirement. So I suspect that my offer was not applied to my account and I was intentionally misled, or there is a plain error.
Product: Mortgage

I have been trying to have a loan modification approved by Wells Fargo for almost two years now. I have sent in every document they have requested numerous times. As I am self-employed they have requested more and more documents and due to the inability to accept online documents, I have had to pay to have documents printed and reprinted, just so I can sign every page and then pay to have documents faxed to Wells Fargo. 
My financial situation became difficult when the economy crashed. Since I am XXXX I can not file for unemployment assistance. I had to use all our savings. Then my child became very ill and the last year was spent helping her become healthy, but the cost of the treatment, much of which was not covered due to being " out of network '' for our XXXX XXXX plan was a further strain on my finances. During all this I was trying to get Wells Fargo requested documents even though the form states that no documentation was needed. I also requested information on what to do if the house is now " under water '' as there is both a mortgage and a home equity line of credit and I believe the value of the house is now less than those XXXX loans. I have not been given any information on this. Now I am told again they need more documents but the person who can tell me what is needed has not responded to several emails and today is " in a meeting ''. When I requested immediate assistance I was transferred to a " manager '' but that went right to voice. I was told by Wells Fargo to stop making payments while this process went forward, now my house is in foreclosure. I offered to start making payments and even make a lump sum payment toward the past due balance, I was told they would not accept any payment. This is now impacting my health, my XXXX is unbelievable. I can not believe that Wells Fargo is allowed to buy up all the mortgages and then abuse homeowners in this manner. It is disgusting.
Product: Checking or savings account

I opened an account, deposited a check and then was notified they were closing my account. The check cleared and now has been sitting in the account for over 3 months with no movement. I submitted a claim over this previously at the end of XXXX and they still have my funds hostage. They claimed they would return the funds but the funds are from a check from the state of oregons revenue for a tax return so there is no returning it. The state can not reissue a check because capital one has successfully cashed it into the account they are now holding hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I had a inquiry to come on my XXXX account that I have any knowledge of. The inquiry comes from a company called cash central. I reached out to the company and they could not find my info anywhere in their system. I have never tried to take a loan out with them and do not have any open installments with them. Someone has accessed my info and tried to take a loan out in my name.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Debt Validation Request - Reference # XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am submitting this formal request for validation of a debt allegedly held by Harris & Harris , Ltd. and the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Additionally, I am seeking assistance in negotiating the matter with the XXXX XXXX Department of Motor Vehicles. 

For the past XXXX weeks, since XX/XX/XXXX, I have attempted numerous times to contact Harris & Harris , Ltd. to discuss a payment plan for XXXX outstanding speeding tickets in XXXX XXXX XXXX, totaling {$360.00}. Unfortunately, my efforts to reach a representative have been unsuccessful. I have left voicemails and waited on hold for as long as an hour and a half without being able to speak with an agent.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to formally dispute this alleged debt and request full validation. Specifically, I request the following : XXXX that the debt is valid, including a detailed account of the charges and evidence of the original agreement or contractual obligation. 
Verification that Harris & Harris , Ltd., the XXXX XXXX XXXX XXXX  XXXX, and the XXXX XXXX Department of Motor Vehicles have the legal authority to collect and enforce this debt. 
A clear explanation of how the amount of {$360.00} was calculated, including any fees or interest applied.

Immediate cessation of all collection activities, including reporting this debt to credit reporting agencies, until validation has been provided. 
Given my current unemployment status, I am requesting an opportunity to negotiate a manageable payment plan directly with the XXXX XXXX Department of Motor Vehicles, without any increase in the debt amount. 

Furthermore, if validation can not be provided within 30 days of this letter, I request that the alleged debt be removed from my records, and any negative reporting to credit bureaus corrected accordingly. 

This letter also serves as a formal dispute of the debt. Please direct all future correspondence regarding this matter to me in writing. 

I trust that the CFPB will address my concerns promptly and ensure Harris & Harris , Ltd. and the other involved parties comply with consumer protection laws. Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American First Finance offered a 90 day same as cash term. I paid the account in fill within those terms. The account was then closed the same day I paid the balance off without my knowledge which caused a MAJOR decrease in my XXXX credit score dropping it 28 points.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file
Product: Debt collection

Company filed recently several claims on my credit report. Each time they said I owed {$500.00}. 

I have never been contacted by this company. I have never received any documentation from this company. And they just updated an additional amt of {$500.00} on my credit report like it was a different debt then what they already posted. 

This seems very fraudulent
Product: Credit reporting or other personal consumer reports

I couldnt believe it when I saw incorrect accounts on my credit report today. I check it often, but this time, there were glaring mistakes, and I have no idea why. I thought it could just be a browser issue, so I refreshed the page, but the wrong accounts stayed there. Its deeply concerning, and Im requesting that the documents Ive provided be carefully examined to prevent this from happening again.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2021, i have recieved an email from cashapp regarding my account, they were saying i was in the negative, but i wasnt using my card. When i have messaged support about the issue, no one was giving me an answer on what happen or why it was happening, instead they chose to pretty much ignore the situation, they said they will get a specialist on it then stop talking when i asked if anything in the system stating what happen. XX/XX/XXXX i heard nothing back so i messaged them again, they told me to pick a transaction that i was disputing, but cashapp had no transaction to show they took {$65.00} from my account. When i told them that, they asked for a case number, i told them i do not have one because i have been ignored instead, he then told me a specialist will help me, so i asked again what the system is saying about why the money was gone, but received no answer again. On XX/XX/XXXX, i got an email from cashapp saying that it was about the charge back that i asked for prior. Which cashapp has chose the company won on XX/XX/XXXX, but after that decision the company refunded my money on XX/XX/XXXX, now it being over a month after they refunded me my money, cashapp has taken the money saying they reviewed both sides of the claim and choose that the company won, but i never recieved an email to fight against it, i had no warning about it, just an email saying my account was in the negative. I have sent cashapp the email they sent saying the company won, and another screenshot showing the company refunded my money a month after that decision. Cashapp has not responded back to me after that, they are ignoring me. I recently had XXXX and it was my only way of receiving money to help with food and bills while i cant work, and they are still choosing to ignore me instead of trying to situate it. They really shouldnt be able to take money out of peoples account without emailing them, without warning, or without being able to fight it. The money was refunded to my account over a month before they took it upon themselves to take it again.
Product: Mortgage

I opted out of escrow with Fay Servicing in XX/XX/XXXX. On XX/XX/XXXX, my insurance with XXXX  ( policy number XXXX ) renewed and a bill was sent to Fay. Fay did not respond to the bill to inform XXXX that they should send the invoice to me for payment since I had opted out of escrow. Fay did not pay the invoice, and my policy was closed as a result. In XX/XX/XXXX, I received a letter from Fay indicating that they had purchased insurance on my behalf for a premium roughly 3x market rates. I then worked with my insurance broker to understand what happened and issue a new policy, effective XX/XX/XXXX. Through multiple conversations with my broker and XXXX, I learned that XXXX expected Fay to notify them that I had opted out of escrow and that they should update their billing information to send the bill to me. This never happened and I never received a bill to pay. I understand that Fay is required to ensure the property is covered by insurance, and that they bought this policy to cover that obligation. However, given they are at fault for the billing failure that resulted in the termination of coverage, they should pay the premium associated with that policy.
Product: Credit reporting or other personal consumer reports

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