23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, this is a follow-up to the CFPB complaint concerning XXXX. 


XXXX. Per the description provided, " XXXX is a financial technology company, not a bank. We work with banks and other financial institutions to offer financial products to consumers. '' XXXX. Financial technology company, to my knowledge, does not lend money, nor do they have the authority to keep personal data. The use and reporting to my credit are not within federal or state privacy laws for data collection. 

XXXX. XXXX has damaged my credit, without authority. They will correct my credit immediately. 

XXXX. " Charge off '' is not a defined term in this loan agreement. 

XXXX. There are 2 borrower agreements. Both have all payments going to XXXX XXXX XXXX  XXXX XXXX. The 2nd loan agreement is dated XX/XX/XXXX, which is an incorrect date. The XXXX loan agreement states that my interest rate is 22.82 % with a loan amount of {$20000.00}. Both truths in lending statements show the amount financed is {$18000.00} with an interest rate of 26.99 %. Neither truth in lending mentions XXXX. The borrower agreement states it will not share information outside of XXXX XXXXXXXX XXXX XXXX has retained all of my information and has severely damaged my credit. The borrower agreement states that interest is calculated based on 365 days in a year, defining the payments being due on the last day of the month. It also goes over the definition of the last day of the month. It states the last payment is {$560.00}. The truth in lending states that the loan is 60 months, to be paid off on XX/XX/XXXX and a start date of XX/XX/XXXX. The last date of the month in XXXX of XXXX is the XXXX. The borrower agreements contradict each other. One states that the jurisdiction is XXXX XXXX, and one states it's XXXX XXXX The origination fee is {$1600.00}, which is defined as prepaid interest. This would not add up based on 22.82 % or 26.99 %. The {$1600.00} is part of the loan, and again, it's not in the truth in lending. The borrower agreements show {$200000.00}. 

XXXX. I would like copies of the cashed checks that were cut or ACH confirmations in funding the loan. Also copies of agreements with my signature and a loan officer 's signature. I do not have that. It states that a XXXX and XXXX were paid for me, the information only shows they paid a XXXX 

Needless to say, this is not a valid contract. When I log in to XXXX 's site, it tells me my credit score is XXXX. The same defined FICO version with a credit bureaus website is XXXX. It appears they are falsely reporting the status. Next to the score reported by XXXX ( XXXX XXXX ) is a button to get started getting a credit card through them. 

I will no longer be responsible for this debt to XXXX XXXX XXXX XXXX XXXX XXXX due to a breach of contract. The contract was deceiving in the information as stated above. I am submitting this through the CFPB. With a copy to Transunion to begin the reporting. Transunion is listed as the credit scoring agency. XXXX is not on that document, therefore should not be presenting a manipulated credit score. 

All documents are attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to close on a home and my loan processor informed me that I had an installment loan opened in XX/XX/2017 that showed current with a balance in the amount of {$5300.00}. I paid this off in XX/XX/XXXX. I contacted Kashable LLC and was informed that the pay off wouldnt show until possibly the end of XX/XX/XXXX. I thought all was well. The issue is that Kashable has not reported any of my biweekly payments. {$5300.00} was the original loan balance. I again contacted Kashable and was jnformed that they would try to get me a paid in full letter from the supervisor to provide to my processor. I emailed the same person the next day for an update and didnt get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a CFPB complaint against Equifax about an account reporting incorrectly on my consumer report, XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022, Equifax responded back stating, " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' As of XX/XX/2022, I have not received the results of the investigation from the furnisher or anything from Equifax. Please send information to the address on file with Equifax or remove this account from my consumer report if Equifax can not provide this information.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states.
Product: Credit card

I 've opened a Mileage Plus Visa credit card with Chase. I got a mailer that states, that I will receive XXXX bonus miles after I spend {$2000.00} within the first three months. I got only XXXX bonus miles. I opened the account one year ago, but never looked at the miles portion, so it was recently when I discovered, that I was n't awarded the miles promised. So, I called the customer service line to ask why i was n't awarded the miles that were on the mailer. The answer I got was : " Because that offer was only for new customers, and since my husband had already a miles card and I was a authorized user under his account, the offer was not available to me. The mailer however, has my name on it. The answer for that was, that the marketing department does n't communicate with the department that sends out those mailers, and they do n't know who has a card and who does n't. I consider this mistake as a false advertisement because in this case, something was promised, that later denied based on internal company miscommunication.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 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. 

XXXXXXXX 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

I have submitted for the third time a fraud report to Experian and today I faxed over to them a completed police report. 

Experian has not removed the XXXX  XXXX account from my credit report. 

XXXX XXXXXXXX XXXX XXXX account number XXXX I forwarded to Experian all that they requested that I do.
Product: Money transfer, virtual currency, or money service

Venmo took my money and froze my account now i cant access it for XXXX days and all i did was transfer some payments that was already in my venmo balance. I did not nothing wrong and venmo decided to ban my account and hold on to my money please help me i need that money to get back some important documents that was stolen from me a few weeks plus to live venmo cant just take people 's hard earned money like that it's unjust and unfair and they dont even tell you what u did wrong i feel so helpless and stress this is causing emotional stress from ever since i couldn't access my money
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Despite my repeated attempts to address these inaccuracies and my requests for thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Debt collection

Ive contact XXXX XXXX  about a credit that got on my account that was not mine. Ive contacted them more that 5 times. XXXX  said they agreed to take it off one moment. Then next moment they decided not to. It have been 7years and i still can not get this off my account. 

XX/XX/2010 {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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: Credit reporting or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
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 {$160.00}
Product: Mortgage

My loan was sold by Home Point Financial ( XXXX ) to XXXX XXXX ( XXXX ). Somehow my mortgage balance owed jumped from $ XXXX to $ XXXX. Based on the documentation that I am submitting, you will find that basic math will support that this is either an impossibility or something fraudulent is going on. 

As of a statement from XX/XX/XXXX, my principal balance was {$130000.00} A second random statement from XX/XX/XXXX, my principal balance was {$130000.00} A third random statement from XX/XX/XXXX, my principal balance was {$130000.00} Even my ending principal balance ( according to my XXXX XXXX XXXX ( XXXX ) was {$130000.00}. 

So how is it that I now have received a XXXX XXXX  XXXX with a principal balance of {$130000.00}, and a XX/XX/XXXX statement reflecting an Outstanding principal balance of {$130000.00} Please help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After the good faith adjustment was honored and reported to remove all negative impact reporting to all Credit Bureaus ( TransUnion, XXXX XXXX XXXX ) there was a new inaccurate XXXX late pay reported to the bureaus for XX/XX/XXXX. I paid off this account in full in XXXX of XXXX, the account has been closed since XXXX and my good will letter was honored to remove all of the previous negative reporting but a new XXXX late pay was added for XX/XX/XXXX. I am in the process of buying a house and this inaccurate reporting can cause me to loose the house of my dreams as well as be homeless because I have already given notice to move out of my current home. I need this inaccuracy corrected TODAY and reported to the Bureaus so that I can complete my homebuying process. I cant wait until the next reporting on XX/XX/XXXX, I need this corrected immediately. I truly appreciate your consideration and thought to my situation in advance. I have attached the written requests sent directly to the creditor as well as the statement sent to me showing last payment date, {$0.00} balance owed and account closed.
Product: Checking or savings account

Levy placed by State of NC on XX/XX/XXXX. Levy released onXX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX X 2. Bank seized both mortgage payment and car payment ( to Wells Fargo ), about {$1000.00}, causing both to be late. Branch Bank repeatedly passed the buck to Legal. Legal Dept is impossible to get on the phone, with wait times exceeding 39 mins for all calls made to them. Legal Dept has hung up when I started pressing the issue of withholding funds after the State has released them. As of XX/XX/XXXX they  have seized another {$680.00}. A branch banker in my hometown has a contact with Legal that told them if there was a medical emergency Wells would release funds immediately but that otherwise I was " XXXX ''. The XXXX is a quote from Wells. Contact also stated that Wells was prepared to release the hold on XX/XX/XXXX. This appears to be an arbitrary date for Wells convenience. When all is said and done Wells will have withheld approximately {$3000.00} for at least 10 days more than authorized by the State of NC.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a laptop from XXXX, which was a disappointingly slow and deficient product compared to the XXXX purchase price of it. I wanted to return the product, but XXXX deleted my account suddenly and did not allow me any chance to return it even though XXXX guarantees a free return for 30 days since purchase. I complained to my Bank of America credit card claim department. Initially, they refunded the charge, but later they reversed the refund and mentioned that they can not do anything about it. The reference number of the purchase is XXXX. The date of purchase is XX/XX/2022. The amount is XXXX dollars.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to the privacy and the confidentiality under 15 use 1681 XXXX XXXX XXXX XXXX # XXXX 15 u.s.c 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 15 USC 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 with antedates the report by more than 7 years 15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has some reasonable cost to believe that the information is inaccurate
Product: Credit card or prepaid card

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX COMENITY CAPITAL BANK XXXX XXXX XXXX XXXX, OH XXXX Re : XXXX XXXX XXXX XXXX Comenity Bank BJs My Perks MasterCard You have not responded to my previous dispute, and you continue to disregard the terms and conditions of your User Agreement. On XX/XX/XXXX, I made a purchase at the XXXX XXXX, NY BJs in the amount of {$110.00}. Please review the attached copy of both the BJs online receipt and your transactions and statement records for this purchase. Despite the terms and conditions on the Rewards applicable to this card, you are not tracking, processing, or crediting these Rewards accurately since XX/XX/XXXX. This was compounded with further insult when your online services list an award having been redeemed for - {$10.00} on XX/XX/XXXX, when the BJs receipt clearly shows no such award was used. Correct this error, re-credit me the incorrectly adjusted {$10.00} Reward, correctly accumulate and allow the use of all Rewards, and honor your terms and conditions! 

This is the most outrageous behavior I have ever encountered with accredit card and bank. It is 1 month since you started your online update, and your customer services, records, and processing are all still completely whacked the XXXX out! Get a grip! 

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

In accordance to the fair credit reporting act XXXX has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX. XXXX XXXX Account number # XXXX XXXX. XXXX XXXXXXXX Account number # XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX. XXXX 's Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number XXXX
Product: Debt collection

XXXX, XXXX XXXX  XXXX has been harassing me everyday for the past 3 weeks. They called my employer, family, friends all day ; calls are made every 5 minutes. The debt they are trying to collect was settled in XXXX. I have documentation. They threatened to sue me in court. I need help with stopping these scammers. 

I received a letter today XX/XX/XXXX, the letter is dated XX/XX/XXXX. It states I owe {$3000.00} and if I dont pay or respond within 30 days ; I will be sent to court. 

We have spoken to them several times and they dont give enough information for me to determine if they are a legitimate company.
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 ( EFA ) and Regulation E. These activities have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have Major Inaccurate information on all XXXX versions of my Credit/Consumer Report from the Top XXXX Reporting Agencies/Bureau's/Companies who took the assumption that my information is accurate and in all Truth, all of them have Conflicting information from their assumption leaving me with legions of inquiries hard and soft.Conflicting starting dates on many Instances that has left me without on numerous occasions that I was stereotyped by false and poorly placed derogatory and inaccurate items on my Report depriving me of things I could have easily obtained rather housing, job placement, small business loans, low or any interest loans that people with good credit receive with minimal effort.I included a few vital instances that for sure disqualified me for the simple fact that all XXXX per XXXX providers who's top priority is accurate Credit reporting is one of a kind.I beg to differ.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Bank of America took {$580.00} from my savings/transfers account. I called multiple times to get more information as to why, however, that did not resolve anything. I was promised I would get a check in 15 days for the amount taken in the mail but that never happened. I never received the check. I called again after the 15 days to let them know, and they told me they would cancel the check and instead transfer the money directly to my account in 10 business days. I have the information regarding this phone call. I waited, however the money was never transferred to me. The Bank of America customer service has been nothing but a nightmare to resolve this issue that is still ongoing.