23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPT OF EDUCATIONXXXX # XXXX DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/XXXX # XXXX DEPT OF EDUCATION/XXXX # XXXX 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 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. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

This complaint is with CASH APP. I have had to instances with them with them where deposits were not refunded to my account ; XXXX due because it was sent to a closed account in my name an the latest XXXX on XXXX that has caused this formal complaint. On XX/XX/08 a {$500.00} was sent to my account At XXXX XXXX cash out were made at XXXX Bank for a total of $ XXXX contacted CASH APP to let them know that this was not my transactions and that this was an act of fraud on my account. I notified the police and I gave them the report # XXXX. Cash App told me that I needed to go to XXXX and find out who made the transaction. I asked them were they serious, that was not my job to investigate the theft. They denied to replace the money in my account. I find this inexcusable and THEFT on their part. 

I am not pleased that I am out of {$1000.00} because of this company. and I will close this account after this complaint is resolved.
Product: Credit card or prepaid card

Last year in XX/XX/XXXXI talked with a DISCOVER agent regarding the DISCOVER IT Miles credit card. The DISCOVER agent made a clear and unambiguous promise to me that after a year of using this credit card, DISCOVER would match all the miles I earned automatically at the end of the first year. I was told that I just needed to open a DISCOVER IT Miles credit card to receive this benefit. Because of this benefit being offered, I chose DISCOVER IT Miles credit card over the competitors. I thought this was a great offer because I needed to earn points to fly and visit my family in Missouri. Consequently, I accepted this offer and starting using my DISCOVER IT Miles credit card for most of my purchases. I spent thousands of dollars in one years time in anticipation of receiving this doubling of miles. However, after a year, I noticed that the miles I earned were not matched by DISCOVER. In fact, when I called the customer service center and requested this issue to be resolved, I was told DISCOVER would not match anything because I was a previous DISCOVER card holder. I then requested the phone records and phone recording of my call so I could substantiate that I indeed was promised these terms by an agent of the company. In response, the supervisor told me that it was deleted and that DISCOVER does not keep records of any phone conversations after 6 months. The supervisor then went on to say that there is nothing he could do and implied that I should have known this because he heard this information on a DISCOVER commercial. I am sorry, this is unacceptable. I'm am simply requesting that the terms of our agreement be honored. I have been a loyal customer for 16 years since XX/XX/XXXX.

I have attached the screen shot from the Discover website. The language states clearly on the front page that Well match all the MILES youve earned at the end of your first year, automatically. The website does not clearly and conspicuously state that existing customers will not be eligible. Furthermore, regarding the ( # 2 asterisk ) designation at the end of this paragraph, it is almost impossible to find. This is evidence of what was offered to me by a DISCOVER agent, that DISCOVER would match or double the miles of any user after using this credit card for 1 year.

For all these reasons, I am requesting all the MILES Ive earned be matched as the DISCOVER agent presented to me. I look forward to hearing from you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove fraud accounts from my credit report. Even when I have retained an attorney to assist me in resolving this matter they still will not act. I have sent tons of documents and police reports in support that I have been the victim of ID THEFT and have all the fraud accounts listed. Equifax continues to violate the FCRA. the following items are fraud and need to be removed ASAP. 
1.XXXX XXXX XXXX Account XXXX XXXX  ( acct has been verified as fraud from the original creditor, so how is this still begin reported???? ) 2.XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX   XXXX Account # XXXX XXXX XXXX XX/XX/XXXX XXXX # Account XXXX Date Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a call out to the debit collector listed below on XX/XX/2018 ; I informed the creditor that this debit was incorrect, and that I never received a notification that I had a debit in there office. per the rep a letter was sent to a my address ( address was incorrect so I never received a letter ). I informed them that the address was wrong. I contacted the original debit and inquired about the debits. per the the original creditor these collections where sent to the collection agency in error, and they would contact the debit collector and ask for all collections to stop and for these accounts to be taken off my credit report. that was over a month ago. I have reached out to the the original account holder ( XXXX XXXX XXXX ) and they have told me that they already on numerous situations reached out the to the collection agency and asked them to remove these debits from my reports but they have failed to do so. I have also called the collection agency and asked them to look into this, they refused. 

Debit Collector TRANSWORLD SYSTEMS XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a XXXX purchase in the amount of {$230.00}. I returned one of the items I purchased on XX/XX/XXXX to XXXX. On XX/XX/XXXX the refund in the amount oXXXX XXXX XXXXshowed in my American express serve account but had a merchant hold on it. I called American express serve to asked why a merchant hold was placed on the refund it was explained that the merchant has a 7 day hold on the refund. On XX/XX/XXXX I contacted American express serve to ask what happened to the XXXX refund that had a merchant hold because I did not see it anymore and thar it didn't show in my transaction history. The card issuer stated that I would have to wait another 30 days to receive the refund I asked why and she hung up on me. XX/XX/XXXX I checked my transaction to see if it showed upon checking the refund magically appeared but dated XX/XX/XXXX and the date I purchased items was marked for XX/XX/XXXX. So I contacted card issuer and asked why the refund was marked XX/XX/XXXX when there was a 7 day merchant hold on the refund. I also asked why they had the purchase date marked for XX/XX/XXXX when the purchase date was XX/XX/XXXX. The card issuer responded " The purchase date was made by the merchant and the refund was issued XX/XX/XXXX. I explained that the refund didn't show until the XX/XX/XXXX and that they didn't refund the money on the XX/XX/XXXX because of the merchant hold for XXXX XXXX the refund didn't appear in my account until XX/XX/XXXX. I went back and forth with the card issuer about this transaction and have not gotten anywhere. Because there was no change in my balance I believe the card issuer took my money.
Product: Debt collection

Portfolio recovery is calling me non stop using various area codes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Sometime theycall as a ptivate caller or unknown caller. they call2 timesin the morning, afternoon and evening up to XXXX at nightand saturday and sunday.. I sent a letter to XXXX  XXXX, along with the name of my bank and my account number showing that my income of social security was, indeed, under the protected status which my social security income could not be touched forant reason by any bill collector. this information should have been conveyedto portfoliorecovery when they sold them my account.. once again thank you for your help company address XXXX XXXX XXXX XXXX va XXXX
Product: Checking or savings account

On XX/XX/, 2024, from XXXX XXXX  to XXXX XXXX  ET, my husband and I went to the Chase ATM at XXXX XXXX in New York to deposit a total of {$2500.00} USD into our joint savings account. After inserting the money, we confirmed the amount is showing correctly on the ATM screen and opted to receive an email receipt before leaving the bank. Upon arriving home, we noticed that both the email receipt and our bank account reflected an incorrect amount showing only {$1500.00}, with {$1000.00} missing. We promptly contacted Chase Bank on the morning of Monday, XX/XX/ 2024, to report the discrepancy, and again on XX/XX/2024, but both attempts were declined. Chase 's Claims Department mentions they check and found no technical issue around the time when we arrived the ATM and also did not find extra {$1000.00}! We requested a recording of the ATM screen, but the support mentioned she did not guarantee a recording is available and that it's only shared with authorities. 

Given the circumstances and the significant financial discrepancy, we kindly request the CFPB 's expertise in resolving this matter. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX and the credit bureaus ( XXXX, XXXX, and TransUnion ) for violating my consumer rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant laws. 

I have identified the following issues regarding my credit report and the collection efforts by XXXX XXXX XXXX and the credit bureaus : Violation of the XXXX Rule for Reporting Debts Under 15 U.S. Code 1681s-2 ( FCRA ), if a debt has been sold to a third party, such as XXXX XXXX XXXX, and XXXX XXXX 180 days old, I am not obligated to pay the debt directly to the new creditor ( XXXX XXXX XXXX ). This is a crucial consumer protection rule. 

The debt was sold to XXXX XXXX XXXX, and I have learned that it is over 180 days old. 
As a result, according to FCRA Section 1681s-2, I am not liable to the furnisher ( XXXX XXXX XXXX ) for this debt under any direct payment obligations. 
I am requesting that XXXX XXXX XXXX and the credit bureaus remove any derogatory marks on my credit report that may be associated with this XXXX debt that has been sold. 

Violation of Written Consent Requirement According to the Fair Credit Reporting Act ( FCRA ), Section XXXX outlines that credit bureaus and furnishers are required to receive written consent from consumers before any information is added to a credit report. They never received my written consent. This includes any accounts or credit information being furnished to the bureaus for reporting purposes. Which means they are committing fraud. 

XXXX XXXX XXXX and the credit bureaus have failed to provide evidence that I granted written consent for the furnishing of the debt to any of the credit bureaus ( XXXX, XXXX, TransUnion ). 
Without my written consent, XXXX XXXX XXXX and the credit bureaus are violating my rights under this FCRA provision. 
I request that XXXX XXXX XXXX and the credit bureaus provide written evidence of my consent, or I demand the removal of the debt and any related derogatory marks from my credit report. 

Reporting of Derogatory Marks without Legal Basis Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), it is illegal for any furnisher to report inaccurate or misleading information. Specifically : The debt reported by XXXX XXXX XXXX is incorrect, as I do not owe the debt due to the passage of more than 180 days since it was sold to them. 
The derogatory remarks on my credit report are not justifiable under the laws governing debt reporting, particularly the FCRA and FDCPA. 
I request that XXXX XXXX XXXX and the credit bureaus immediately remove any derogatory remarks or late payment reports that are incorrect and do not reflect the actual state of my debt obligations, as per FCRA Section 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Transunion regarding information they had listed on my credit report that was not correct, The items were regarding 3 accounts. The first is for XXXX XXXX ; account # XXXX balance= {$560.00}. This account has been paid off and was disputed. The dispute update came back on XX/XX/XXXX showing this account has been paid off. However it remains on my credit report still with the balance of {$560.00}. 
The second account is for XXXX XXXX ; account XXXX balance = {$2500.00}. This account has been paid off and was disputed. the dispute update came back XX/XX/XXXX showing account was paid off. However it is still listed on my report still with a balance of {$2500.00}. 
The third account is for XXXX XXXX XXXX XXXX XXXX account XXXX balance= {$170.00}. This account has been paid off and was disputed. The dispute came back on XX/XX/XXXX showing the account was paid off. However it remains on my report still with a balance of {$170.00}. On XX/XX/XXXX I called their customer service rep and explained the issue. He stated what he was looking at showed these items were removed. However I explained to him I was logged into my paid Transunion account and do in fact still see them on my online report. He could not resolve the issue. I WANT THESE REMOVED FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to all three bureaus by certified mail and no response. I have unverified items on my report. These are the ones : XXXX XXXX, XXXX XXXX XXXX  , XXXX XXXX , Us Dept of Education # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, XXXX XXXX # XXXX, XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Did not accept payoff offer
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 

15 U.S.C. 1681s-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 reasonable cause to believe that the information is inaccurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX 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

I have asked Equifax to remove over XXXX hard inquires that I did n't authorizes. They keep saying validated when in fact they are n't. I do n't have credit with maybe XXXX inquires. Please correct. That is false reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystem is showing 4 accounts on my report with XXXX XXXX  : Ending in : XXXX Business account XXXX Personal account XXXX XXXX The last 2 accounts are non existent. I attached a letter from XXXX requesting to remove XXXX and XXXX. 
I have tried reaching out to them via phone. They instructed me to fax in a letter from XXXX stating which accounts are not mine and that they should remove them from their system. 
The fax was sent on : XX/XX/22 at XXXX, XX/XX/22 at XXXX, XX/XX/22 at XXXX to their fax number they provided to us : XXXX ( see attached in this complaint ) We called multiple times to confirm that they received the fax, but they claim they didn't. On our end our fax system showed the fax was sent and received by the other party. 
Their address : Chex Systems , Inc. 
Attn : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX
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 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

I keep getting calls from Caine and Weiner for XXXX XXXX, my brother. I have told them twice that this XXXX XXXX 's cell phone and to remove my number from their list. They are polite but fail to note that this isn't XXXX 's cell phone. What can be done?
Product: Credit card or prepaid card

I reported to Amazon, that I find out in XX/XX/2019, that XXXX XXXX whom rented a room in the same home as me from my grandpa has opened up four charge cards under my name and used my checking account to make payments on them. Whom had access to my personal information and mailbox key. I have also file identity theft. gov and reported and online file report with the police.
Product: Checking or savings account

Prior to opening my accounts I was told I would receive {$300.00} deposit it in my account if I maintained a specific balance for at least 90 days. I honored the required balance for over the required time and still never received the {$300.00} that I was promised by the manager and assistant manager of the XXXXXXXX XXXX in XXXX XXXX on XXXX XXXX. I recently consulted with the assistant manager XXXX XXXX to find out the outcome of why I did not receive this money as I was told by another branch manager in XXXX XXXX that I was entitled to receive this money after she reviewed my records and she is the one that made the ticket. XXXX  the manager of the XXXX XXXX office is the that had initially told me about the {$300.00} offer prior to opening my account with the required balance for the {$300.00} bonus.
Product: Mortgage

For more than a year, the XXXX XXXX XXXX XXXX   website/XXXX XXXX XXXX website has not opened without problems. It has taken roughly 20-50 minutes each month for this website to open when it would open. Trying to pay my mortgage online from a device at home has been extremely difficult and time consuming, and sometimes, it was not possible to pay my mortgage online at all and I became late in payment because of their dysfunctional website. I spent about 2 hours on the phone with customer service over the course of several months trying to resolve my issues with their website not working. I used several different devices, browsers, and operating systems. 

Last month, I became unable to login to my mortgage account at all. I called on a Saturday morning at XXXX XXXX for assistance and was told that the mortgage division was n't available. On a weekday, shortly thereafter, when I could get away from work obligations for a short time, I called an " escalation expert '' about this. She said this was a known issue. She said that " a lot of people were having this problem '' and she took me through several steps to try to resolve the problem as if this was an issue she dealt with regularly throughout the work day. She mentioned things like, " usually this works, your last reset was in XX/XX/XXXX which was before we ..., so you will require a reset to be able to access the system ... '' It was very obvious from talking to her that she did this several times a day and that this was an issue PHH was well aware of that was impacting many, many customers ability to access their accounts online. ( Their phone system states, press XXXX to reset your account, press XXXX for everything else ). These steps still did not allow me to login. I was on the phone with her for about an hour. I eventually, had to go back to work or lose my job, so I had to end the phone conversation before my issue could be resolved. 

I called again on XX/XX/XXXX and spent another hour on the phone with XXXX XXXX who also could not resolve my login issue after several attempts. XXXX confirmed that I was charged at least one late fee and that I do not have a flawless payment history. This should not be the case. I have attempted to pay my mortgage on time every month, however the website did not always allow me to login. 

In XX/XX/XXXX, it is reasonable for a consumer to expect to be able to login to a creditors website and pay what is owed online monthly within 3-5 minutes successfully without issues once their initial login is created and working. Each time, this dysfunctional website blocks me from being able to make a payment online, I am incurring interest charges for the unpaid amount. This is what I am most upset about. PHH Mortgage Services prevents me from making a payment online, then they profit from that fact by charging me a late fee and additional interest.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 money was stolen out of my account in the amount of {$380.00} through XXXX I contacted my bank PNC to complain about this stolen money and they refused to reimburse me my money accusing me of authorizing the transaction. When clearly I have no connections to the alleged recipients of the funds. I want my money back!!! I filed XXXX complaints and they still refuses to reimburse me my money
Product: Debt collection

I found this debt on my credit that I never opened. This company saying I opened an account with XXXX XX/XX/2020. I need to know what legal steps to take this false claim off my credit. I don't know how this happened but this must be taken care of immediately!!!! I disputed this claim through XXXX and they denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, I mailed a letter to Equifax, requesting that they investigate errors on my credit report. They were supposed to respond with the results within 30 days via postal mail, but they have not.