23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I filed a complaint # XXXX with the CFPB concerning the reporting of an old account from XXXX XXXX XXXX Part of my complaint was that I had requested the payment history. 
It has been far past the 30 day limit and as of XX/XX/22, XXXX XXXX has NOT provided the payment history for the account they have been reporting. Because doing so would prove my claim. 
This account MUST be deleted for at least 3 reasons :.

1. It's been more than 7 years since the last activity on this account 2. XXXX has failed to respond timely to my request on XX/XX/22 for the payment history, and the most reckless and fraudulent act. 
XXXX. XXXX filed a 1099-C against me to the IRS for {$12.00}, XXXX. This amount included all interest and fees which is illegal and considered a fraud against me and a fraud against the US Government. I have no idea how XXXX came up with this amount since for the past 7 years the balance they have been reporting was {$11.00}, XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  XXXX  sent escrow to USAA my XX/XX/2020. They insist USAA accepted transfer of funds. USAA insists they never received the funds. They asked for date time of transfer. I called XXXX XXXX  and asked. I called back USAA to notify them of ate and time. USAA still says they never received the money. It has been deducted from my escrow. USAA refused to allow me to talk with a supervisor. Told they could not find the missing funds. Asked for a deep review and this was not granted. Was told supervisors are unavailable during COVID. Called XXXX  4 times and USAA 4 times with no resolution. Asked that XXXX  and USAA speak together. XXXX attempted and USAA refused. Missing funds amounts to over {$1300.00}
Product: Money transfer, virtual currency, or money service

XXXX 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 those actions
Product: Checking or savings account

I filed a dispute and they said it would take until XX/XX/XXXX to get an answer on that dispute when legally I should have never had to wait for the provisional credit it should be immediate. Also I am still waiting on two deposits that I deposited into Credit Karma from XXXX XXXX one was for XXXX the other was for XXXX XXXX both were illegally withdrawn and they never turned back up in the XXXX XXXX  account
Product: Bank account or service

I had a virtual wallet account with PNC Bank which i opened during end of XXXX 2015. As per the customer service and branch person 's instructions I was told that I need to maintain a combined balance of {$2000.00} into all my accounts ( spend, growth and savings ) - which i did to avoid any service charges. 

On XXXX and XXXX there are deductions of {$15.00} from my Spend account - why? I remember speaking to customer service last time that I need to maintain {$2000.00} as a combined balance in my XXXX account ( all across my XXXX account with PNC bank XXXX - which i did. then why the deductions??? It 's in name of some " calculated service charge type pr ''. And moreover when PNC have my contact details on file ( with alerts and notifications ) - email as well as phone # why did n't PNC called me up in case you are going to levy these kind of charges? 
They have made this XXXX account so confusing ... just to make money out of the customers by hook and crook.
Product: Money transfer, virtual currency, or money service

I am not able to reach customer service several times is trying to reach them
Product: Credit card

Had a balance of {$190.00}, made a payment of {$1700.00} on XX/XX/XXXX. Took a cash advance XX/XX/XXXX for {$600.00}, next billing cycle XX/XX/XXXX made a payment of {$600.00} the amount of cash advance taken in XX/XX/XXXX. Payment for XXXX XXXX {$500.00}, all payments for the remainder of XXXX billing cycle were above minimal payment. Capital One has continued to charge unfair high intrest. My biggest problem is the cash advance was paid, but the intrest charge for cash advance is reaccuring on statement. And the charge for cash advance ( actual transaction ) has never appeared on statement. When I questioned the intrest charges thats when I learned none of the payments i made had been applied toward the cash advance, it's like a hidden charge in background, payments made for XX/XX/XXXX and XX/XX/XXXX a total of {$1100.00} that charge should be paid. Also for XXXX - XXXX payments have been {$300.00} each month yet high intrest rates continue
Product: Debt collection

XXXX of XXXX XXXX contacted me, they explained for a monthly fee of XXXX to XXXX dollars they could settle my credit cards out of court. And my credit would be repaired. I signed a contract with them. They drew money out of my account until XXXX of XXXX. Then I started getting court notifications from credit cards, and judgements put on me. When I tried to contact XXXX they said they sold my contract to XXXX XXXX practice. Which I did not give my permission! XXXX XXXX sent me a form to act as my limited power of attorney. When I tried to get a hold of either company the numbers where disconnected or no one would ever answer. I've sent emails to both companies without response and I also sent a certified letter to XXXX. This was returned to me stating there was no forwarding address. I spoke to some of my credit cards and they said they never received anything from XXXX and the other credit card companies said they couldn't speak with me because XXXX was representing me. I do not know what to do now.
Product: Debt collection

I received a letter from Sunrise Credit Services , Inc in XXXX, NY notifying us that we have a balance due of {$32.00} for XXXX XXXX. After thinking about it, I realized that yes I did receive the magazine but it was always paid for in advance and that I should n't owe any money. I called Sunrise Credit this morning to inquire about this and to determine when it was due. I was told there was nothing due but they worked for XXXX XXXX in order to renew my subscription. I asked them if I owed any money and all she said is do you want to renew. I said 'no ' and she told me to have a nice day and quickly hung up. This is an extremely unfair way to convince people to renew magazine subscriptions and upset me thinking I had a debt that went to a collection agency.
Product: Checking or savings account

XXXX : Deposited an echeck into my Bank of America account. XXXX : Spoke on phone with a BOA rep who stated that the echeck had cleared. I specifically asked if I was safe to use the funds without fear that the echeck would be rejected by the issuing bank. Was informed that the funds had cleared and would not be reversed. 

I dispersed part of the funds at instruction of echeck issuer. Echeck issuer turned out to be a scammer. XXXX : the entire echeck amount was charged back to my BOA account - contrary to what I had been told by the BOA representative, I am now out the funds I dispersed ( via XXXX - per scammer 's instructions ). 

If BOA had given me the correct information instead of telling me funds were irrevocably in my account, I would not have initiated the XXXX transaction. BOA, so far, is not taking responsibility for giving me wrong information and, additionally, refuses to provide me with a copy of their recording of the conversation which clearly includes the incorrect information from their rep.
Product: Debt collection

We are getting automated dialer robo calls from Focus Receivables, phone number XXXX asking us to call back. We have gotten calls on our home phone and cell phone. We have no debt and believe the calls are in error. When I called the number back, I was put on hold and after eight minutes I hung up. I strongly object to this waste of time to resolve an issue that could have been dealt with immediately had a live person come on the line when I answered the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX/XXXX CREDIT CADRD NO.XXXX IS REPORTING AS CHARGE-OFF ACCOUNT WHEN IN FACT IS DISCHARGED TRU CHAPTER XXXX BANKRUPTCY.
Product: Checking or savings account

I brought items through XXXX from under my SunTrust account and never received it. Come to find out the person who was selling me the items was fraud. He deleted his site and now the phone number I have is cut off. I called my bank because I used XXXX through them once so I felt as if it was safe and I was protected especially since I used it through my bank app. My transaction has the person name and all that I sent it to so im not understanding why they cant dispute it. It was a transaction for XXXX dollars and another for XXXX dollars that's too much money for me to just throw away like that. This transaction was made on XX/XX/19
Product: Credit reporting or other personal consumer reports

This is my second request. I have already provided proof I lived and worked in XXXX from XXXX to XXXX with no gaps. I provided my resident permit and driver 's license to the collection agency. I have also told them to mail what ever they need me to sign to my address in the XXXX XXXX, which the never did. 

Now they have sent me a note saying this has been verified. That is not true. I never lived at the address in question. Even my name is spelled wrong. Clearly the account was opened by a third party without my knowledge or consent. 

Please see their response, with a different spelling which is not me. 

XXXX, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX ZIP : XXXX Account Number : XXXX XXXX Invoice Number : XXXX Bill Print Date XX/XX/XXXX Due Date XX/XX/XXXX Previous Activity/Charges Total Amount Due at Last Bill {$100.00} Payment received {$0.00} Previous Balance {$100.00} Please Note - Bill Due Date does not apply to Previous Balance Due. 
This balance is DUE IMMEDIATELY. 
Payment Arrangement Monthly Payment Arrangement Installment {$370.00} XXXX XXXX XXXX XXXX {$16.00} XXXX XXXX {$18.00} XXXX XXXX XXXX {$8.00} XXXX XXXX XXXXXXXX {$31.00} XXXX XXXX $ XXXX XXXX Service + {$12.00} Current Balance {$93.00} If Payment is received after due date, a late fee will be assessed. 
Total Amount Due {$580.00} Remaining Payment Arrangement Balance {$390.00} Again, that is not me, and never was my account
Product: Debt collection

I purchased a vacuum through XXXX on line. I chose the payment plan for it. I thought that I paid through credit card charges but was told that the one payment failed. I responded and thought it was corrected. It wasn't. Then the next month they attempted again and then they sent me to a collections agency. I wasn't given a chance to clear up the payments which I thought were fine. I was told it was a third notice, it wasn't. It was the second and I had responded to the first one via email. They voided the warranty on the vacuum which of course doesn't work anymore anyway. I received an email from the collections agency and I asked that they prove the debt. I don't know who these people are. I don't agree with the amount that they show as due, and I don't know that if I pay these people it will resolve this debt. I responded to the email and haven't received an answer. I have received numerous calls from them, about XXXX a day. So, I emailed them again telling them that until the prove out the debt it was illegal to keep up the non-stop calls. I asked that they prove the debt. I have seen nothing and they keep calling me while I'm at work. Please have them prove the debt and stop calling me until they do. I will pay this debt but I'm not giving some person on a phone money until I'm sure they are actually in charge of this debt. How do I know this isn't a scam? I pay them and then I get XXXX calling me looking for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen in the Equifax security breach that occurred XXXX-XXXX 2017. I was not informed of this breach until early XX/XX/XXXX, and had to find out via website set up by Equifax rather than being notified of this directly ( www.equifaxsecurity2017.com ). Having to check via the website would not be as much of an issue if the website ITSELF was n't unsecured. It is a stock XXXX  installation ( definitely not high enough grade of security ) with a TLS certificate that did not provide proper revocation checks. The domain name was n't even originally registered to Equifax. The website was even flagged by XXXX ( owned by XXXX ) as being a suspected phishing threat because it is so insecure! 

So in order to find out if my information was stolen, I have to supply personal information to an insecure website set up by the very company whose insecure practices led to my information being stolen in the first place. 

Finally -- I have set up security freezes on all my credit reports. But I had to pay Equifax for the security freeze I need due to Equifax ITSELF losing my information. Furthermore, while I was issued the PIN, anyone who has my stolen information could call Equifax and claim they lost it because one can get the security freeze on my Equifax report lifted without the PIN using the very information stolen from Equifax. 

Essentially, Equifax has not only enabled my information to be stolen, but its procedures for dealing with the issue are themselves compromised by more examples of Equifax 's poor security practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your quick action and effectiveness in removing some of the negative information that was previously listed on my credit report. For now, I believe there are still issues with my file that need to be fixed. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
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: Vehicle loan or lease

I paid almost a year and a half on time and recently I have been going through some financial hardships and I called Santander to assist me with a payment plan. They gave one but they have still been reporting negative late payments on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

balance was paid before closure of banks and is not showing on Chex systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts.

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account number : XXXX XXXXXXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXXXXXX XXXX Account number : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act account DISCOVER BANK Account XXXX XXXXXXXX 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 an account without my written instruction. 

also, I have requested multiple times for this company to provide me with a signed copy of the contract to show proof of ownership and never have received it.
Product: Vehicle loan or lease

This vehicle was paid off by insurance after being a total loss n it doesnt show up as positive r havent received a 1099c cancellation of debt letter
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am a victim of Identity Theft. I have NOT opened, benefitted, or authorized anyone to open any accounts in my name. 
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. Also, the Credit Bureau is reporting fraudulent accounts on my profile. According to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ).

And according to15 USC 1681 1i5 they are supposed to do this ( 5 ) Treatment of inaccurate of unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/XXXXXXXX  I did a balance transfer from XXXX to my Chime credit card ending in XXXX in the amount of XXXX. XXXX  showed the transfer went thru but Chime never credited my account. I've been contacting Chime and XXXX  twice a week since XX/XX/XXXX. XXXX requested a copy of my bill for Chime to verify no payment was received. I submitted my XXXX and XXXX credit card statement to XXXX  to verify that Chime never credited my account for the XXXX transfer. After escalating to a supervisor at XXXX they supplied me with the payment trace information and batch file showing they did sent Chime a Wire for the XXXX for my card ending in XXXX. Chime is stating they never received the payment and stating they have no way to verify or trace incoming payments. XXXX also provided documentation that Chime received the money along with 90 other transfers with the same batch. I've contacted Chime over a dozen times asking them to research this issue, or get me to a supervisor, I even requested the address to the corporate office so I can provide them proof of transfer by certified mail. The agents have refused to provide an address or email for me to send documentation to. XXXX is charging me interest on the transfer and are refusing to full the funds back from Chime and Chime will not credit my account for the funds.
Product: Credit card or prepaid card

XXXX21charged interest of {$11.00} after I had paid off XXXX statement balance {$1400.00} by XX/XX/XXXX. 
First paid XX/XX/XXXX {$100.00} Next XX/XX/XXXX {$1100.00} Next XX/XX/XXXX {$230.00} Total paid {$1400.00} just as separate payments. Bill not due until XX/XX/XXXX. 
Other charges hit for next billing cycle after which should be on this next bill. Why am I charged interest when I paid XXXX balance in full.? 
I called and they are insistent about me not paying XXXX bill in full. I did. They still charged me. They bring up billing date and cycle date are different. 
If so, this is misleading the consumer and creates conflict and bad for business. 
How are they allowed to say on billing you pay bill in full you wont be charged interest but they did in fact bill me interest.
Product: Student loan

I have attempted to make monthly payments for the past four months. Every time I pay, my payments are pending and then processed and eventually reversed. My interest continue to accrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I had filed complaints to the three bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Product: Mortgage

Ditech Mortgage My taxes are combined with my mortgage. 
Ditech Mortgage company is reporting a " lesser '' amount on my XXXX than what the assessor 's office has on file that was actually paid. I can not get anyone at Ditech to make the correct to my XXXX form so I can file my taxes. I 've made several calls and continue to be told there 's nothing that can be done. 
I also see several several Quick Claim deeds via XXXX County Assessors Portel. No one at Ditech will explain these either.
Product: Credit reporting or other personal consumer reports

My account with 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 XXXX XXXX XXXX. 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 XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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