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

I lost my credit card on my way to XXXX. As soon as I got there, I canceled the card and asked for an emergency replacement card under the terms of my XXXX agreement, as follows : The following statement was taken from the XXXX web site : If your card is lost, stolen, damaged or compromised, we will work with your financial institution to approve and expedite the delivery of an emergency card to you. XXXX XXXX XXXX XXXX XXXX XXXX are on stand-by. Call us toll free ( XXXX ) or call one of our global toll-free-numbers. 

I tried over and over again for 7 days to get a replacement card. XXXX could only tell me that TD Bank had not yet approved it. TD Bank said it was waiting approval. After a week, TD Bank said my request was denied and was unable to provide any reason for the denial, or any person who could explain it. This seems totally wrong for a person who has not had any late payments in over 25 years and has an XXXX credit rating to be treated this way. If they had provided a reason, I could have corrected any misinformation they may have had, and gotten the replacement card. 

As a result of TD Banks refusal to replace my credit card, I was later erroneously charged {$330.00} from a car rental company who was never willing to provide me with a car. 

When I returned from XXXX, I contested the charge for the rental car and {$330.00} was taken off my bill on XX/XX/2018, after which I sent TD Bank 3 different sets of information supporting my chargeback claim. 

On XX/XX/XXXX, the charge was reposted to my account. I was about to file a formal complaint at that time, but on XX/XX/XXXX, I was sent a letter stating that the dispute was resolved in my favor. However, to this day, they have refused to credit back my {$330.00}. It has been 23 days since the dispute was resolved in my favor. I called on XX/XX/XXXX and was told I would have to wait another 3 or 4 days. 

Today ( XX/XX/18 ), I spend an hour on the phone trying to get an answer. The answer I got was infuriating. I was told We made a mistake and you will get your refund within 14 days. That would be a total of 37 days that they have been holding my money without justification. I also have no reason to believe that they will honor the 14 day commitment. 

When I asked to speak to a supervisor, I was told that none were available, and one would call me back in 24 to 48 hours. I find this totally unacceptable when a charge appears on my account in less than 5 minutes, but it takes 37 days to return my money that they have because of their mistake. I was forced to pay them this money to avoid finance charges. 

So, I am asking for the immediate return of my {$330.00}, and that they pay a penalty to you or me for misappropriating my money and violating the terms of my XXXX agreement.
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 an effective measure to prevent and address fraud on their platform, leaving my account vulnerable an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed my credit score plummeted from XXXX to XXXX in one month. Now I see I have 6 inquiries from a dealership XXXX XXXX to buy a vehicle. They promised the only had to run my credit twice. Now I see 6.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Type of Business Date of inquiry Credit Bureau XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX BANK XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Federal XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX XXXX Telephone Service Providers XX/XX/XXXX XXXX XXXX XXXX Telephone Service Providers XX/XX/XXXX XXXX XXXX XXXX Jewelers XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX
Product: Checking or savings account

In XX/XX/year> my debit card was stolen and my bank account drained. Chime paid back half but is continuing to deny {$130.00} in refunds for unknown reasons and keep telling me I didnt provide enough evidence. 

I have provided two police reports, letters from my work showing I was not there, XXXX tracking showing I was personally in another part of the state at the time transactions happened. I have provided a hand written letter stating the situation and requesting them to contact me if further information is needed and they continue to deny a refund. All others submitted the same time were approved
Product: Credit reporting or other personal consumer reports

I recently did a pre-approval for a mortgage through XXXX XXXX. I manage my Credit File via Experian. I always keep my credit file locked. So when XXXX did the enquiry I unlocked my file for a moment and locked it again once XXXX had successfully did a credit enquiry. 

Now both XXXX and Experian are stating they did not share my info and this credit enquiry outside. But since my credit enquiry I am getting XXXX calls a day on my cell phone which is linked to my Experian account from various Lenders. And they all are aware of my mortgage credit enquiry.. 

I never permitted either Experian or XXXX to share this enquiry outside. So frustrated on how this got leaked and more importantly how did my personal info got shared externally. My home address, my phone number and name and the fact that I applied for mortgage.
Product: Debt collection

My name is XXXX and I am reaching out with hopes of receiving resolution to matters concerning an account I had that went into collection. One is with Midland Credit Management the original creditor was XXXX XXXX XXXX. I have been attempting to improve my credit with the assistance of a family member who wrote and mailed a check out to settle my debt. I made an agreement with Midland Credit on XXXX, received my settlement offer letter by mail and the check posted to my family 's account XXXX Ref # XXXX. I have been reaching out requesting a paid off letter/notice as promised by Midland and have been seemingly getting the run around & being told to check back in a week, it's pending a settlement etc.. I was also told I could go online to MCMXXXX. I did so and it seems as if Midland generated a 2nd account with the balance of the Original Credit amount owed. I have been asked by my family member to produce a letter stating my debt is {$0.00} and have not been able to do so. Midland has been ask by me to provide a definitive day & date I can retrieve and receive a notice reflecting a {$0.00} balance and to date it has not happened. I even asked why does it appear that another account was generated as if I did not pay the amount agreed, no clear response was provided to that question either.The Original amount owed was {$690.00} and the settlement offer they made and I accepted on XXXX was for {$590.00} ; which leaves a balance of {$100.00}, which I see outstanding. I need assistance please in the form of a Paid-Off notice. 
Thank you in advance XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased 3 gift cards ( {$500.00}, {$500.00}, & {$10.00} ) for XXXX XXXX to complete an online purchase ; however, when I went to use the cards they show {$0.00} balance. Per the terms
Product: Credit reporting or other personal consumer reports

My identity and information was exposed involved in a breach with XXXX and my negative items should be removed under section 605b everything should be removed. I do have all my information to prove that this has happened to me. I was sent XXXX in my email as a settlement that I have not used. I should have the option to fix my credit being that it has been breached multiple times. This has been going on since XXXX
Product: Credit reporting or other personal consumer reports

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

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

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

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


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

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

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

Delete the late payments from my consumer reports
Product: 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. 
XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, and XXXX Acct # 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 : 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 XXXX years. 

I found that I am subject to my privacy as a consumer and I have not been convicted for any crime of these reporting accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

See documents attached. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?
Product: Debt collection

On XX/XX/19, I submitted on writing a request for them to cease communication. I spoke with a representative that day as well. I received an email from them on Friday XXXX19. Today, XXXX I received 10 calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts under my social security that I did not create. I believe my dad opened these accounts. I had no knowledge of these accounts being opened and used. I also have multiple lines of credit under my name that need to be disputed with each bank not just the discover one listed on this account.
Product: Checking or savings account

I requested to close my checking account at the beginning of the year prior to the merger with Truist but Suntrust neglected to close account. There were some APO payments that came through during that time causing negative balance off account. ash trust paid them instead of declining due to closed account. This caused account to go negative. XXXX XXXX sent a XXXX payment to my finance but had my name listed as contact person and was deposited to this closed account with XXXX XXXX. Suntrust took the money and then closed account and charged off. I went to the branch location who stated that they are unable to take money out of account nor return it back to sender due to account locked for charge off. Spoke with charge off department and they referred me to XXXX. Spoke with XXXX department and they stated account locked by charge off department and only ones who can assist. Spoke again with charge off department and they advised that theres was nothing they could do since payment completed through XXXX. I have been trying to get access to this money for last month and a half. The sender has tried to file a complaint with their bank and was told that they cant do anything since my account status is the issue. I need this resolved ASAP to prevent additional lawsuits pending. Thank yiu
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, Tracking # XXXX, and tracking # XXXX. According to the FRCA 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. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Debt collection

I called Sunrise Credit Services , Inc after I had to collect the collector 's information from my original creditor of XXXXXXXX XXXX as I was never sent any correspondence. I called Sunrise in XXXX of 2024 and set up an agreement with a woman to pay {$310.00} a month until {$4400.00} of my debt was paid, dismissing the remaining amount of my debt. THis was setup as an automatic payment plan. Payments were to begin XX/XX/year> and be paid on the XXXX every month. I was told during this time I would receive correspondence showing the agreement and would receive regular statements by mail after payments were made. I have never received either. I called last month, XX/XX/XXXX I believe, as the payment never came out of my account. I was told by the associate at that time that it came back as declined, but he did not see any reasoning of why with the return. The funds had been available and associate was able to run the payment that day. He corrected the issue for me, so I should have been expecting another withdraw on XX/XX/XXXX. I called Sunrise today XX/XX/year> at XXXX to verify that payment would be coming out, as there was some type or error last month. Associate XXXX told me due to paymnet declination, my settlement has been CANCELED and that he could take payment over the phone today but that was all he could help me with. I explained that I am not sure why this happened, after happening last month also when funds are available. XXXX ran my payment this afternoon and it went through fine. XXXX would not allow me to speak with someone else to ask the reasoning behind this or WHY it was occurring. He only repeated the same information and told me payment declined too many times. He did say yes, it would be better for me to call in and apply payment manually, even though I have had an auto settlement payment plan arranged. I asked that if he took my payment today, if he would be able to send me a receipt or statement and he stated he would have to put in a request for one to send out to me. I asked again for a receipt to please be mailed to me, and he countered for a statement to be emailed to me. He told me about the online services, so I pulled that up while on the phone with him and it requested a Sunrise Account number from me, which I do not recall ever have been provided. I received that from XXXX today and was told statements and any payment history would be available there. This is FALSE. There are NO available documents for me to view online through their portal. This company has yet to provide proof of debt or proof of payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : Experian : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Dispute to Ford Credit - Late Payment Mark for XX/XX/2020 XX/XX/2020 I was hoping to have a late payment mark for XX/XX/2020 removed from my account to reflect positively on my credit score. I am a first responder whose wife works for a local business. As you can imagine we both have been extremely affected by the COVID-19 pandemic. We were married on XXXX XXXX2020 and bought a house at the beginning of this year. It has been a huge year for us, and we were hit very hard with financial problems as COVID took over -- - my wife has had her hours tremendously cut which put a large burden on us. We were extremely grateful for Ford allowing us 3 months of deferred payments, it helped tremendously. We called on XXXX XXXX2020 after we could not come up with the payment for XXXX and asked for one more month of extension and we were told we could not have an extension but we could schedule the payment for a later date, which would put our account in good standing. So, I scheduled the payment for XX/XX/XXXX, both me and my wifes next pay day. Today XX/XX/XXXX, I received a notice that our account is 30 days past due and that our credit score was affected. I called Ford and spoke to two representatives explaining this entire story, twice, who explained that even though it was scheduled, if it is 30 days past due there is nothing, they could do about it. I explained this information was not relayed to me this way, but I understood to keep peace. I just wish that the employee who helped me schedule the payment would have made me aware there may be a penalty. We have never missed a payment and we both have now found better financial stability as things are moving back to normal and we are confident this will never happen again. This is also my very first. late mark I have ever recieved and it hurt my score tremendously, which is extremely scary during these times. Ford will not budge at all. I even offered to pay two car notes to put me in good standing automatically and they  said it would not matter.