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

On XX/XX/22, I visited the XXXX XXXX furniture store on XXXX XXXX. in XXXX, OH. Upon entering the store, I was told that they had two financing options were available, a three month zero interest financing plan available to everyone and a 12 month zero interest option available to well qualified customers. After filling out the financing application in the store, I was told by the store representative that I qualified for a {$2000.00} credit line at the well qualified buyer rate of 12 month zero interest financing though Fortiva Retail Credit. At the point, I decided to purchase a living room furniture set costing {$1300.00} using the offered 12 month zero interest credit line. On XX/XX/22, after making a number of on-time monthly payments, I looked at my credit statement for Fortiva, and was surprised at how much was still left to pay off. After further investigation, I discovered that I was being charged 29.99 % interest from the time of purchase! I immediately called the Fortiva Customer Service line and was told that no type of promotion was found in my file. I was then directed to call the store, XXXX XXXX, to have them apply the financing promotion, and that I would be credited back the unfairly applied interest once this was done. On the morning XX/XX/22, I called XXXX XXXX. After going through the issue with the store manager, I was told that the promotion is something Fortiva handles and the store has no involvement. After making several more back and forth phone calls, I was ultimately told by the XXXX XXXX corporate office that they were aware of this misleading promotion, but there was ultimately nothing they could do. I feel completely taken advantage of by both XXXX XXXX and Fortiva Credit! I made this purchase under complete false pretenses, and had I known that I would be charged 29.99 % interest immediately, I would have either paid for everything upfront or sought other financing options at another store. I paid off the full balance today to prevent incurring further interest, however I absolutely feel that I should be refunded the two months of unfair interest that I unknowingly incurred as well as the {$79.00} application fee! This is an absolute scam and I want to ensure that other customers are not egregiously taken advantage of in the same manner I was!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and TransUnion has violated my rights. 

15 USC 1681 Section 602 A 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. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX  in the amount of XXXX
Product: Debt collection

Have made multiple attempts to resolve this matter with the company in which they have refused on multiple occasions my request for debt validation and proof of claim on the debt they say I owe another company. 

I have sent multiple certified mailings requesting debt validation and proof of claim. In which they all received. The last request has been made by phone with a representative by the name of XXXX XXXX in which I was transferred to the supervisor to process my request in which I was hung up on. 

They have intentionally avoided communications with me and have refused to remove the debt from my credit report during the dispute process and follow the laws for debt collection. This one account has seriously damaged my credit report because of their illegal and unethical business practices.
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.
Product: Debt collection

2017 of XXXX I had a XXXX XXXX XXXX fraudulently opened under my name. I was notified about this issue through a credit report alert stating I had a collections added to my credit report. I have contacted XXXX XXXX XXXX regarding this issue and also sent letters to each bureau disputing this information.
Product: Mortgage

Truist holds my mortgage. I was affected by XXXX XXXX on XX/XX/XXXX. On XXXX XXXX I was required to turn over insurance claim checks to Truist to be held in escrow until repairs could be inspected and confirmed. I was told once repairs are completed, I contact the Insurance Claim Check department, an inspector would contact me within 7 days, confirm repairs were complete and funds would be released to me. Repairs have been completed since XX/XX/XXXX. I ordered an inspection on XX/XX/XXXX. I have called the Truist Claim Check department at XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting a confirmation that an inspector is scheduled to come to my home so we can proceed with releasing the {$29000.00} that is being held in escrow. I have been told for the 5th time that my inspection request is being escalated to a higher level. Each call I place is answered by telling me that the issue is being escalated to a higher level. I paid for the repairs out of pocket and need to get the insurance funds released. To date, no inspection is scheduled. There are also additional timing issues after the inspection ( receipt of the report, review of the report by Truist, issuance of funds, mailing of funds ) is completed and I fear that it will take another 25 days beyond the inspection to release my funds. The representative has offered to send 10 % to help relieve tension, but I find this unacceptable. I have paid in full and completed the covered repairs, now I want my funds released.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying off and on for a couple of XXXX XXXX XXXX XXXX XXXX to place a freeze on my account with TransUnion. I also tried this a year or so ago, when I placed freezes XXXX successfully XXXX on my account with XXXX and XXXX. When I log into TransUnion, confirm my address, and click Continue, I get to a page that says they are having 'technical difficulties '. I have not called the phone number listed, because last year when I tried several times to place a freeze with them, their phone support was inept and completely unhelpful and uninformed. I appreciate any pressure you can exert on TransUnion to get their act together and allow consumers to place freezes on their accounts. Thank you.
Product: Checking or savings account

My edit card is supposed to decline transactions wher theyre insufficient funds. They keep posting these as negative on my account and then charge me {$35.00} overdraft fees.
Product: Credit card or prepaid card

On XX/XX/2019 there were a total of 6 transactions made totaling over {$950.00}. I called ADP immediately after realizing my card had been compromised. They made notes in the computer and never closed the card or connected me to the dispute department which is where I get my money back. By the card not being locked additional transactions were made and the PRE PAID account is now over drafted. I have been on hold all day for hours at a time and while Im waiting to speak with a representative from the dispute department the call disconnects on its own. I can not afford to lose {$1000.00}. My rent is due and no one seems to care about being evicted because I trusted this financial institution with my money!
Product: Credit reporting

We are trying to dispute items on my credit report that are involved in my son 's bankruptcy, filed on XX/XX/2015. In order to file a dispute, they require you to provide copies of your driver 's license, social security card, current bank statement and utility statement, plus another form of ID such as your birth certificate. They require all of this information to be sent through the mail, which opens up a very large door for identity theft. I do not believe it is safe to send all of these items through the mail and have never been required to submit more than XXXX, whether physically or electronically. I refuse to put myself at risk, while understanding the need for verification. We ask for an alternative, or acceptance of XXXX forms of identification, in order to have these disputed items removed.
Product: Credit reporting or other personal consumer reports

These Accounts have violated my rights According to FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to the IRS, canceled debt ( CHARGEOFF ) is defined as gross or ordinary income. Income does not get reported to your consumer report. 
15 U.S.C. Sec. 1681e ( b ) for a consumer reporting agency ( CRA ) to " assure maximun POSSIBLE ACCURACY " in it's credit reports, and ( 2 ) in 15 U.S.C. Sec 1681i ( a ) for a CRA to " conduct a reasonable reinvestigation to determine whether [ information disputed by the consumer ] is accurate. '' XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also according to 15 U.S.C. 1681a ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the term " consumer report " does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; I do recognize how these accounts are reporting on my credit reports. I don't recognize the account numbers. I don't recognize the account status. 
Everything reported here does not meet the FRCA. 
Also, in accordance with the Fair Credit Reporting Act. These Accounts has violated my rights. 
15 U S.C 168Q 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. 
I HAVE NOT INSTRUCTED ( TRANSUNION, XXXX, OR XXXX ) TO FURNISH ANY OF THESE ACCOUNTS ON MY CONSUMER REPORT.
Product: Money transfer, virtual currency, or money service

Paypal and Paypal Credit post date and misrepresent the status of my transactions making it impossible to know my current balance and payoff amount so that I may pay off my balance to zero. Transactions are post dated and changed back to pending status after full balance has been paid to zero. I feel held in perpetual debt, continuing to accrue interest charges. I simply can not manage to pay off the full balance nor understand what amount is still owed. Do not understand why full balance payment of all current purchases fails bring balance to zero. Continue to receive new unidentified charges added to my balance that Paypal Credit can not explain or provides invalid explanation.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft. The following unauthorized items have appeared on my credit report due to this fraudulent activity : Navy Federal Credit Union - {$15000.00} XXXX - {$840.00} XXXX XXXX - {$500.00} XXXX XXXX - {$490.00} The fraudulent account details and associated personal information are unrelated to my legitimate financial history and have been placed on my report without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I am requesting that you block this information from my credit report within four business days. This section mandates that credit reporting agencies must block information resulting from identity theft upon receipt of appropriate documentation. 

Please confirm in writing that these accounts have been removed from my report and provide documentation of the actions taken. I appreciate your timely attention to this matter to ensure the integrity of my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am XXXX and I receive SSI social security benefits in the amount of {$730.00} per month. Prior to becoming XXXX I had about {$54000.00} in student loan debt that was in good standing under the income based repayment plan. My payments where XXXX dollars per month. I could have left them like this indefinitely. Several years ago, the federal government changed the rules on how student loan debt can be discharged and I was encouraged to apply as I was eligible under the new rules. My credit score was XXXX prior to applying for this relief. I was granted the discharge and my credit score went from XXXX to XXXX overnight. I was aware that I would incur a tax liability for the XXXX debt and I am OK with this. I was not informed that my credit would be destroyed in the process. This has happened to hundreds if not thousands of XXXX people who have sought and received this " relief ''. Furthermore, this is not happening to everyone who applies but it is to many. It appears that it may depend on your loan servicer. Mine was NAVIANT. The legislative intent of the rule change was to help relive XXXX and poor borrowers of debt they will never be able to pay off, not to destroy the credit of people already under significant financial pressure. I was encouraged by XXXX to take an action to destroy my credit without being informed of this. I did research the topic and did my due diligence but as I said it appears that this depends on the servicer so you can not get consistent information to make an informed decision. I contacted XXXX and asked if I can undo what I just did and they said I can by sending them a statement but I have no guarantee that my credit will be restored to its prior standing before this occurred. I can see a scenario where I re-assume this debt AND my credit remains destroyed. So, I am stuck. This is unfair. IT violates the spirit and intent of the law. It is also not uniformly enforced and is thus dissimilatory since it depends on what servicer you were fortunate enough or in my case unfortunate enough, to have. We all know how vital good credit is today. You need it to get and maintain housing and should I ever be able to again, returning to work. I was led to believe this was a good move to make. It has been the worst decision that I have ever made. Had I been informed of the implications of this I would never have initiated it in the first place. Because my loan was in good standing prior to all this I could have let it stay this way forever. The net effect of this decision for me, at the end of the day, was to destroy my credit. Nothing good has come from this. This is even happening to veterans who are XXXX and seeking this type of relief. This is unfair. I am not the only one. There are many of us in this situation. Can you help me to right this wrong?
Product: Credit reporting or other personal consumer reports

I am writing to dispute this hard inquiry listed on my Equifax credit report. Upon reviewing my report, I noticed that this inquiry is inaccurate and unauthorized. Below are the details of the disputed inquiry : XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX  I have thoroughly reviewed my records and can confirm that I did not authorize this inquiry or apply for credit with the creditor above on the date specified.
Product: Credit card or prepaid card

On XX/XX/XXXX Netspend closed the account Ive had open for over 10 years due to a secondary cardholder being deceased. Since XXXX, Ive asked to have both of the other cardholders names removed from account but was told that was impossible. One of those cardholders passed away XX/XX/XXXX. The more than {$9000.00} in the account has been deposited over time in my name only & is legally my money, however Netspend is refusing to release those funds to me. Their basis is that the federal government will not allow those funds to be released to me because a secondary cardholder is now deceased. They keep repeating that they have to return the money to the senders ( from over time ), even though they admit the funds were sent for the primary account holder. 

Im a single mother of XXXX. My fianc was XXXX  last year right before COVID. Netspend had been my XXXX XXXX institution for more than 10 years. Me & my children not only need this money but are legally entitled to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX  multiple times due to XXXX violating METRO 2 COMPLIANCE I have also paid the account balance but XXXX  still refuses to delete the closed account
Product: Debt collection

i have been contacted via email and mail making attempts to get me to pay a debt I do not owe. I have asked them several times to provide me with proof of their claim. I have asked them to provide the contract that bears my signature. I asked them to state specifically what services and or goods they provided that warrant me to pay them
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX  account stopped updating with my equifax credit score on XXXX XXXX. I reached out to XXXX XXXX on XX/XX/2021, & was told by a representative Equifax was not transmitting the data to XXXX XXXX and this was an issue on Equifaxs side so i needed to contact them. I tried contacting equifax but was unable to get through to a live representative due to their ridiculous automated system so I decided to leave it alone, figured it wasnt causing that big of problem since i Could still view my score on Equifax website. However it is now the end of XX/XX/2021 and i tried to request a credit limit increase on my XXXX  XXXX card which was supposed to have automatic increase but wasn't for some reason and its was declined stating credit bureau information is missing or unavailable. I spoke to XXXX XXXX representative on XXXX XXXX who informed me the problem was on Equifax side and thats who I needed to contact. I contacted Equifax the same day and after multiple attempts I finally got through to a representative. The rep informed me there was no freeze or lock on my account which i already knew because i never placed one. He then said there did seem to be a fraud alert and he would transfer me to another department to have it removed. The next rep said the fraud alert would not prevent any creditor from pulling my credit report but he had removed the alert. I told him if that was not the issue then i needed the root cause to be found because i need my bank to be able to pull my credit report and this issue was affecting my credit limits and in turn going to affect my credit score. He verified my personal information was correct and stated there was nothing else he could do all I could do was wait. I requested to speak to someone in the IT department hoping they would be able to find some type of issue and solve it and he refused to let me speak to them stating they dont take incoming calls. I then requested for him to escalate my account to the IT department then and let them know what was going on so the issue could be fixed and he refused stating Equifax could do nothing else. I asked to speak to a supervisor and after him also refusing to help me any further i asked for his employee ID information to submit a complaint and he hung up in my face. Being that 2 different credit companies are tell me that they are unable to retrieve my Equifax data then there must be a problem on Equifax side that they are refusing to look into or solve. I can not raise my credit score without creditors being able to access my credit report and need this resolved asap. After a quick XXXX search i found multiple articles of people with the same problem with Equifax so I dont know why Equifax is acting like it is unheard of. It is currently XX/XX/XXXX, and i am still having the same issues with XXXX  XXXX  and XXXX  XXXX  being able to access my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter my wife and I sent to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. My wife has received a response to the letter regarding her accounts, but I have not received any response yet. More than 30 days have past, and they are supposed to respond within 30 days.