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

My complaint to the CFPB lays bare XXXX ' disregard for accuracy and fairness in reporting to the credit bureaus. Despite my relentless pursuit fix this issue, XXXX has callously neglected to investigate this matter with due diligence.Let me state the facts. XX/XX/XXXX, I made a payment using a money ordera payment method known for its reliability and certainty. Yet, XXXX shamelessly persists in falsely claiming default on the payment plan despite them admitting themselves a payment was made on XX/XX/XXXX. This flagrant injustice is not merely an isolated incident but a damning indication of XXXX ' systemic failure in reporting practices. XXXX XXXX in a letter mailed ( I have confirmed that your XXXX XXXX account is reporting accurately as charged off, with a balance of {$1200.00}, and in dispute by the consumer. We have verified that the tradeline is reporting as in dispute with the consumer reporting agencies since XX/XX/XXXX. 
The integrity of the credit reporting system relies upon the accuracy of information provided ; submitting the update you requested would create an inaccurate representation of your account. 
As such, we are unable to honor your request to remove the associated delinquencies or tradeline from your credit report ) yet they continue to furnish inaccurate information to the credit bureaus. It's unconscionable that even XXXX years later, on XX/XX/XXXX, my credit reports still reflect XXXX ' mistake. This settlement was completed in XX/XX/XXXX, yet XXXX persists in its dishonesty despite confronted with clear irrefutable facts XXXX orders do not bounce! XXXX inexplicably continues to perpetuate this falsehood. It's time for XXXX to acknowledge their wrongdoing and take immediate action to rectify this injustice.
Product: Credit reporting

This complaint is being filed because I have tried to reach out to experian telephonically and have been unable to get through to a live person. On XXXX XXXX I sent Experian a copy of my police report because I have been a victim of identity theft. In the cover page I included a list of the fraud accounts including the XXXX account # XXXX. For some reason all of the other accounts were removed but this one was not included. I have tried to reach by phone but can not get through to a representative to make them aware of this situation.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ) Specially, Cash APP failed to take 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 Trust Transfer ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations
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. 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 was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

This debt is over five years old and should be removed from my credit report. Oklahoma statue of limitation for contractual debt is five years, and I reside in the state of Oklahoma. My last date of activity for my XXXX XXXX account is XXXX XXXXXXXX XXXX but XXXX has inaccurately reported the date of XXXX XXXXXXXX XXXX. I asked for documentation from XXXX due to the inaccurate information and documents supplied from them confirm my last date of activity for XXXXXXXX XXXX  was indeed XXXX XXXXXXXX XXXX I have also filled a motion to dismiss in XXXX XXXX court due to XXXX inaccurately reporting the last date of activity, and removal on my credit report. XXXX removed XXXX from my credit report, but Experian refused to saying that XXXX said the information is correct. I even gave Experian the documents from XXXX showing that the dates are incorrect and that the restarted my date of debt that is now outside of the statues of limitation. Experian told me there was nothing that could do even when I called them over the phone regarding the dispute. XXXX has been sued several times for restating the debt on consumers credit report and continues to do the same today. Attached are the statements from XXXX showing that the debt is over five years old and in the state of Oklahoma is no longer within statues to collect.
Product: Credit reporting or other personal consumer reports

This is an account that I got delinquent on in XX/XX/2017. The account was closed and the balance paid off. At this current moment I dont have any credit and most of the credit that I owed I paid off only to discover these paid accounts are hinder me from overcoming my current situation I am deal with for over 2 years homelessness with a XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My husband lost his job. He was told to go home from the Social Security worker he talked to and they filed for his XXXX. He was denied. He is currently on SS retirement but when his XXXX was denied, he was told to re-file. This has severely cut into our income and I am unable to currently make the payments to Rise that they demand. I have tried talking to several representatives but no one can seem to help me. I have done a couple of deferrals and of all things, they have added so much interest back to the loan at this point, I do not know how I will ever pay it off. I thought maybe I could do an early payoff using my tax refund, but I can not even get close to paying it off now because of the added interest. If this is an installment loan, and I pay it off before the maturity, I should be not have to pay the total interest on the loan. I am trying to figure this out but they are going to affect my credit and make it impossible to pay them. I am willing to pay them a reduced amount every month, but no one will even discuss this with me.
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 proces 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 thse violations.
Product: Credit card or prepaid card

My husband and I opened a Wells Fargo XXXX XXXX account in XXXX this year to purchase a couch. We thought that this account was going to have a 0 % interest on it for two years. However, we received our first statement in XX/XX/XXXX, for a payment due XX/XX/XXXX after receipt of the furniture. I have now received 7 statements, made 8 payments - yet I am somehow charged a late fee every month since XX/XX/XXXX, and the payment I make is not applied to the payment due date ; it is just applied to the balance. The problem lies in that I pay all of my bills for the coming month on or about the XXXX of the month when I receive my paychecks. What this means is, according to Wells Fargo - I'm paying my payment too early. See, my billing cycle doesn't end until the XXXX of each month, so therefore, I shouldn't pay my bill till after the XXXX of each month. I did not realize this until I received my XX/XX/XXXX bill and started wondering why in the world was I receiving late charges. So I called Wells Fargo in XXXX. The gentleman I spoke to shared with me that I shouldn't be paying till after the XXXX of the month, and during that call, he noted that I had sent a payment that was received XX/XX/XXXX, acknowledged that I meant that to be for the payment due XX/XX/XXXX, and would make sure to apply it as such. That did not happen according to my XXXX statement, which indicated that my XX/XX/XXXX payment was never received, I had another late fee, and an outstanding balance. I called Wells Fargo again on or about the week of XX/XX/XXXX, and the lady I spoke to said that she would look into this. It is now XX/XX/XXXX, and I still have an outstanding balance of {$70.00} due XX/XX/XXXX because the XXXX payment was not applied to my payment due, and the {$200.00} I sent in for the XXXX payment was not enough to cover both months of payments. Wells Fargo assigned a case # to my complaint today, yet I still have to pay the {$70.00} before Monday in order to keep my credit report from indicating that I have missed yet another payment and have yet another outstanding balance. I am highly frustrated with Wells Fargo - the 0 % doesn't actually result in zero extra charges with this tricky don't pay until after your billing cycle clause - they're getting their extra money with the monthly {$38.00} charges I receive because I pay my bills early. The gentleman I spoke with today, XXXX, told me in a disrespectful tone " You shouldn't pay your bill early - that's why we put it on your billing statement. '' It also frustrates me that I have had 4 phone call conversations with Wells Fargo over the last couple of months regarding this issue - and all because I pay every bill due during the coming month on the XXXX of the month, a habit I practice to ensure what I can on my credit. That doesn't work out if you have an account with Wells Fargo. Their tricky clauses ensures they will get their extra money despite a claim of 0 % interest for a period of time. I plan to never do business with Wells Fargo again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in consumer reports. 

The IRS defines a charged off account as canceled debt that you must pay taxes on. 

charged off accounts over {$600.00} reporting to your consumer account is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE FRAUDULENT UNAUTHORIZED ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE REMOVE FRAUDULENT UNAUTHORIZED EMPLOYER : XXXX XXXX PLEASE REMOVE FRAUDULENT UNAUTHORIZED NAME : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I didn't authorize please delete them
Product: Credit card

My Guitar Center Gear Card credit card is supposed to earn 5 % cash back in the form of rewards, but it is impossible to access or use these rewards. They seem elusive and fictional.
Product: Credit reporting or other personal consumer reports

I have been a Commerce Bank customer since XXXX and have always honored my payments and made sure I was using my credit responsibly. 
As I returned to The US on XX/XX/XXXX from traveling abroad, Commerce Bank reported my account as delinquent for missing a single payment to cover my statement from XX/XX/XXXX. They argued that my payment was 34 days late. By failing to contact me first or call the number on file, they simply automated the reported of my account as delinquent, thus making my credit dip XXXX points below. While they argue they sent a mail to my address, I did NOT receive anything and they did not make any effort to call me ( my phone was working, yet they did not make the effort to contact me to make the payment as I always do ). 
I am not a new customer and have a good history of making payments. In this instance, Commerce Bank chose to handle this situation unethically and without any consideration for my rights as a consumer. 
Reporting my account as " delinquent '' without any prior communication was an institutional mistake, and I want Commerce Bank to remove it from my credit report. 

- XXXX XXXX XXXX XXXX
Product: Debt collection

Ace Cash Express Collection Department went to trying to collect and loan debt that was settle from and signed Settlement Agreement Dated XX/XX/2019 for {$210.00} dollars on the loan amount {$420.00} demanding that i pay the remaining balance of the {$210.00} that was supposed to be written off and cleared of my ace cash express loan account number XXXX inwhich i am summiting copy of the PDF Settlement agreemen
Product: Credit reporting or other personal consumer reports

The following companies are reporting information from accounts i didnt open. 

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

I closed an account with XXXX XXXX XXXX in XXXX for their XXXX XXXX XXXX credit card and settled with XXXX XXXX XXXX in XXXX over two payments. I was also promised a deletion upon the agreed " paid in full '' status. I have a letter stating it is paid in full as well as a letter about the agreed settlement and receipts for my payments I uploaded to XXXX who refuses to correct it despite my numerous dispute with the last update being yesterday. I have also contacted XXXX by phone today and they are stating they reported it paid and settled but it does not reflect on my credit report and it has not been deleted. I feel I have been done an disservice and this is a violation of FRCA. This dispute has been brought to Transunion, XXXX, and XXXX as well as supporting documents with no appropriate action
Product: Debt collection

Last year I received a letter in the mail from an auto loan company saying I owe XXXX dollars for a car I never owned. I logged into my credit report & saw multiple collections for a accounts I've never opened. I called the police & told them I've been a victim of identity theft. Recently reviewing my report I have noticed new a XXXX  account collection report on my credit. I've never had XXXX service. I'm positive this is a new account from identity theft that is just now reporting. I have frozen my credit & contacted the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

People from two different states in the US stole my ssn identity and it has downgraded my credit score from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX [ XXXX, South Carolina, XXXX ] [ XX/XX/XXXX ] Subject : Dispute and Request for Removal of Unauthorized Hard Inquiries I am writing to formally dispute several unauthorized hard inquiries on my credit report. Upon reviewing my report, I identified the following inquiries that I do not recognize or did not authorize : XXXX. Creditor/Company Name : XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX Date of Inquiry : XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 604 [ 15 U.S.C. 1681b ], a credit reporting agency is only allowed to include hard inquiries in my credit file when there is permissible purpose. I did not initiate, apply for credit with, or authorize these companies to access my credit report. As a result, these inquiries are unauthorized and must be removed from my credit file.

To assist with your investigation, I have included the following : A copy of my credit report with the unauthorized inquiries highlighted.

A copy of my government-issued ID for identity verification.

[ Include any additional supporting documents, if applicable. ] Please conduct an immediate investigation as required under FCRA Section 611 [ 15 U.S.C. 1681i ]. If these inquiries can not be verified as authorized by me, I request their immediate removal. Additionally, under FCRA Section 609 [ 15 U.S.C. 1681g ], I request a detailed explanation of how these inquiries were verified, including the name and contact information of the companies that requested access to my credit file. Failure to remove unauthorized hard inquiries may result in violations of the FCRA, and I reserve the right to take further action under FCRA Sections 616 and 617 [ 15 U.S.C. 1681n & 1681o ]. Please complete this investigation within 30 days and provide written confirmation of the results at the address listed above. Thank you for your prompt attention to this matter. If additional information is needed, feel free to contact me at XXXX or XXXX Sincerely, XXXX XXXX
Product: Mortgage

I would like to file a predatory lending complaint against XXXX XXXX ( XXXX ID # : XXXX, GA License # XXXX ) and NFM Lending ( XXXX XXXX XXXX, XXXX, MD XXXX ). I was a victim of a bait and switch where I received an amended mortgage settlement XXXX month AFTER I had already closed my loan increasing my mortgage payment by {$100.00} each month! I was told by XXXX and NFM that it was an error on their part in the monthly payment calculation and that I would have to sign the amended settlement to which I refused. I was under the impression that once you close your loan the payment can not increase unless there is a shortage upon annual escrow analysis. How can my mortgage payment increase {$100.00} only one month after I signed all closing documents? To give a brief backstory I currently work for a XXXX myself and was approved for a mortgage at a rate that was much lower than NFM was offering. However, the city XXXX was offering a downpayment assistance grant in which NFM was a preferred lender and my bank was not. I made XXXX and NFM aware of this, and they assured me that my first year mortgage payment would not be any higher than {$670.00} per month including taxes and insurance based on the purchase price of the property I was currently under contract on. I had the option to go with my bank for a monthly payment of {$700.00} per month but obviously chose the lower XXXX year monthly payment offered by NFM also considering the fact they were the preferred lender for the City of XXXX 's grant program. XXXX and NFM lied to me to get me to sign with their mortgage company at a " lower '' payment only to increase it one month after closing. They knew I had an option of going with my bank so they chose to falsely convey their monthly mortgage payment as lower until I closed then raising it {$100.00} per month suddenly out of nowhere for no justified reason other than a " miscalculation '' on their part. 

The second issue. After my closing was delayed XXXX times ( yes XXXX times ) by NFM I finally reached the night before closing. I received a call from NFM that there was a {$2000.00} surplus from the XXXX grant ( which they knew all along ) and in order for them to apply it to the loan amount they would have to generate new documents delaying the closing an XXXX time, but they offered the option to send a check for the surplus to my HOA to cover my dues until the funds were exhausted. At this point I was informed by my realtor that the seller would walk away if the closing were delayed again so I had no choice but to take that option of applying the surplus to my HOA fees. It seems to me that NFM hid this fact about the surplus so they would not have to decrease their loan amount and gain additional interest on my mortgage and make it more attractive on the secondary market. It would have been more beneficial if the {$2000.00} were applied to my loan balance saving me on interest but they hid that until the very end forcing me to apply it to my HOA so they could retain a higher loan balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian blocked my credit information following a letter received from the FTC indicating my address where I live was fraudulent. This was not correct and now I want a copy of the letter. Was forced through escalations at Experian for over 1 hour yesterday to get the address added back by validating drivers license, bank statement and scathing letter demanding fix action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  account # XXXX date opened dates are different from XXXX then experian XXXX  date opened is XX/XX/XXXX experian date opened is XX/XX/XXXX date of last active are different from XXXX  then experian XXXX date of last active is XX/XX/XXXX Experian date of last active is XX/XX/XXXX please delete this account for multiply inaccuracies.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was scammed by an entity posing as XXXX. They sent me notices that my XXXX protection subscription was expiring soon, which is true. The notices had the real XXXX logo and looked real. I clicked a button on the notice to pay and was taken directly to Paypal. After I completed payment, what appeared was a sign that said I had made payment to " XXXX XXXX. '' I contacted XXXX and was told XXXX did NOT send any of the email notices about my subscription expiring ( even though my subscription will be expiring soon ) and the payment did NOT go to XXXX. I contact Paypal within LESS than an hour to tell them I was scammed and a victim of fraud. Paypal told me I had to resolve it with the " seller '' How can you resolve something with an entity with criminal intent that purposely scammed you and took your money? Paypal would NOT do anything to help me. They would NOT stop payment from going through. I asked a number of times and kept getting virtual assistance which denied my requests. They told me I had to file a complaint. I wrote out a complaint and had to give my personal info including name and adress, which I did thinking it was going to Paypal. Instead, Payplay sent that directly to XXXX XXXX. So now not only did they steal my money, now I am in danger of ID theft. Paypal would NOT do anything to help me. They closed my case. Paypal only cares about the money that they receive from processing fees from transactions. They do NOT care about all the people losing money from being scammed on their site. I saw in their " community '' that others have suffered the same fate I have and Paypal does NOT do anything to help people. They do NOT investigate or stop these criminals from continuing to prey on innocent people by using Paypal. So Paypal is complicit in these crimes. This may be the transaction number : XXXX I'm not certain. I made many attempts contacting Paypal, spending several hours online, only getting virtual and automated assistance. It was very exhausting and frustrating. I also believe, because I am a senior citizen, over XXXX years old, this is also elder abuse.