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

Hello so I received a notification from Grain that my payment was 1 Day late I got this notification via email on XX/XX/XXXX. So I went on the grain app and updated my checking account information and scheduled a payment. Unfortunately I noticed that the payments I scheduled with my new checking account were not posting to my Grain Account. I noticed this on XX/XX/XXXX after I scheduled a payment and immediately got an email saying my account is 1 day past due as of XX/XX/XXXX which is odd because I just scheduled a payment. So I emailed Grain immediately which is Grains only form of support through their app. I emailed them on XX/XX/XXXX and they responded back to me on XX/XX/XXXX saying that my account had a issue updating to the new checking account information and they have fixed the issue and I can now schedule my payment with my new account. I scheduled the payment on XX/XX/XXXX for {$100.00} and {$37.00} on XX/XX/XXXX. After I scheduled the payment on XX/XX/XXXX I received a notification that my account is now 45 Days past due! Crazy right 1 Day to 45 Days is a huge jump, which just points to something being wrong with their system. I know I wasnt 45 days past due because in addition to the 1 day late payment notice I received on XX/XX/XXXX I got a follow up email saying my account was 2 weeks past due as of XX/XX/XXXX. There is something wrong with their app, Ive brought this to grains attention they will not do anything about the negative credit report of 45 days which isnt true. I scheduled the payments but Grains system didnt take them and it wasnt until I reached out that Grain that then allowed my new checking account to even be linked. I have included all the proof. This is setting my credit score back negatively, I have the receipts ( emails from grain ) and they are time stamped.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/1970 I have tried XXXX  times to obtain my consumer report but Transunion have not received it. I called Transunion and tried to get it online. I still haven't received my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I am a victim of Identity Theft and Equifax has neglected to remove the fraudulent XXXX XXXX account from my report. I have been trying to have this removed for a long time. I have mailed, faxed and attached the Federal Trade Commission report as requested. I have sent it in multiple times. Please remove this XXXX XXXX account from my report. Thank You. Best Wishes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 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 XXXX
Product: Money transfer, virtual currency, or money service

I have two fixed IRA accounts with Lincoln Financial Group ( recently acquired by XXXX ). 
Both accounts are to send me by ETF a distribution in XXXX as required by law. One account did not send the ETF and I have tried to contact Lincoln/XXXX  by phone and online several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) only to be sent to customer service in XXXX XXXX XXXX XXXX XXXX where the agents have no way of fixing this problem. 
The Account is under my name : XXXX XXXX XXXX, Participant ID : XXXX, Plan ID Number : XXXX, Contract Number : XXXX, Plan Type : Money Purchase Pension. This is a 401a account and is supposed to send a required distribution each year which they have done in the past for many years. The website for Lincoln shows a distribution sent with a deduction of {$4700.00} from this account, but the funds ( about {$3600.00} after taxes ) have not shown up in my XXXX XXXX XXXX  account as of XX/XX/XXXX. This account had a balance of {$84000.00} in XX/XX/XXXX and a balance of around {$80000.00} in XXXX, but the deduction of funds never reached my bank. Can you please help me with this? I have spent many hours on the phone to no avail. Thanks.
Product: Debt collection

Under florida law I am not liable for this debt. Law Enforcement was supposed to notify all my utility companies I was XXXX as that's their responsibility, not mine. I was XXXX and spent roughly 4 years XXXX  between federal prison and the XXXX Florida state hospital. All telephone, electric, internet, and all other utility bills are automatically legally supposed to be cut off the moment an individual is XXXX  and charged with a crime. I was XXXX and charged XX/XX/XXXX and released XX/XX/XXXX and then XXXX being XXXX again against my will on XX/XX/XXXX - XX/XX/XXXX. This debt is not my responsibility. I have not resided at the address of the debt since XX/XX/XXXX.
Product: Debt collection

Calls multiple times using different numbers after asking them to be in the no call list they insist that I have debt towards a company that is already paid through from another company. They continue to harass and call even after being blocked.
Product: Credit reporting or other personal consumer reports

I recently came across the CFPBs lawsuit against Experian and wanted to express my concerns regarding my own experience with their credit reporting practices. I believe I have been negatively impacted, as their handling of my dispute has hurt my chances of obtaining credit. 

I submitted multiple disputes regarding certain accounts on my credit report via certified mail on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, I received a response stating that the accounts were verified. However, I was not provided with any supporting documentation or clear evidence of this verification. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If Experian is unable to produce proper documentation to support these accounts, they are obligated under the law to correct or delete the information. Given the repeated failure to provide verification, I believe these accounts should be promptly removed from my credit report. 

I would appreciate any guidance on how to proceed and ensure that my credit report reflects only accurate and verifiable information. Thank you for your time and assistance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/XXXX Re : Complaint Against Experian Information Solutions , Inc.

To Whom It May Concern, I am writing to file a formal complaint against Experian Information Solutions , Inc. ( hereinafter referred to as " Experian '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. 

On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to Experian 's General Counsel requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to XXXX XXXXXXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$880.00}. The FCRA mandates that the credit bureau, in this case, Experian, must ensure the accuracy and completeness of the information they report. 

Despite my clear request for debt validation, Experian failed to provide the necessary information as required under the FCRA. Furthermore, Experian engaged in inaccurate reporting practices, which raise concerns about their compliance with the statute. Specifically, Experian inaccurately increased the reported debt by one dollar within 24 hours of my initial request, only to subsequently revert the debt back to its original value of {$880.00}. This inconsistent and erroneous reporting not only violates the FCRA 's requirements but also reflects a concerning lack of due diligence on Experian 's part. 

Enclosed with this letter is a copy of the validation letter that was duly dispatched to Experian, which outlines my request for debt validation and provides a record of their subsequent reporting inaccuracies. It is my contention that Experian 's actions not only breach the FCRA but also have a detrimental impact on my creditworthiness and overall financial well-being. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate action against Experian for their non-compliance with the FCRA. Such action should serve as a deterrent to future violations and uphold the integrity of the credit reporting system. 

I appreciate your attention to this matter and look forward to a prompt and thorough investigation into the conduct of Experian. Please do not hesitate to contact me if further information is required or if additional documentation is needed to support this complaint. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Attachments : Copy of Validation Letter
Product: Debt collection

Hello, my name is XXXX XXXX. I am writing this complaint in my capacity as a federally protected consumer to formally lodge a complaint against Caine & Weiner regarding their collection practices related to account number XXXX. I wish to bring to your attention the abusive, deceptive, and unfair tactics that have been employed in the process of collecting extensions of credit. 

It has come to my attention that there might be a conspiracy between Caine & Weiner and certain consumer reporting agencies to restrain trade and commerce through unjust practices. These actions have raised concerns about potential racketeering activities involving this debt collection agency. 

At no point have I granted authorization for Caine & Weiner to possess my nonpublic personal information. Furthermore, I disavow any purported agreement or contract between myself, the consumer, and the original creditor, whether explicitly stated or implied. I must emphasize that the account in question is a result of a billing error. 

I am deeply troubled by the tactics employed by Caine & Weiner, which appear to be in violation of the False Claims Act. These practices are not only jeopardizing my consumer credit reputation with other financial institutions but are also raising concerns about the legitimacy of the alleged debt that has been presented to coerce payment. It is important to note that any payments made or contemplated in the future are solely due to the undue influence, threat, duress, and coercion that have been applied. 

As stipulated in XXXX XXXX XXXX XXXX ( c ), I am asserting my legal right to refuse payment of this debt. I hereby demand an immediate cease and desist of all illegal activities, communication, and collection endeavors associated with this and any alleged debts until such time as Caine & Weiner can provide sufficient documented evidence that I bear a legitimate legal obligation to remit payment. Should this evidence be unavailable and Caine & Weiner persists in their collection efforts, I am prepared to initiate legal proceedings to seek reparations for the actual damages incurred. 

This letter serves as a formal notice of my intentions. Caine & Weiner 's actions may potentially lead to litigation for violations of various acts, including but not limited to the TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC Act, and RICO Act. 

I anticipate your prompt attention and a timely response to this matter. Please be aware that your cooperation is not only requested but also legally required, as outlined in accordance with UCC 1-202f. I look forward to receiving the appropriate documentary evidence and resolution to this dispute. 

Sincerely, XXXX XXXX
Product: Bank account or service

The US Bank keeps adding additional fees of {$36.00} and {$25.00} for an Overdrawn Amount of {$440.00} which is unacceptable. As previously stated, the US Bank continue harassment is inflicting me with severe emotional stress. Every time the US Bank harass me I have to visit the local branch located XXXX, and ask the Manager to stop the continue harassment. This trip caused me stress as I am a XXXX with XXXX. Additionally to this, the US bank keeps e-mailing Urgent Notices with unacceptable wordings such as demanding immediate payment and/or collection action and/or bank account closure which is intentionally made to inflict me with severe emotional stress. The US Bank offers Overdraft Coverage to customers that open a Checking Account. The US Bank receives my income amount of {$1500.00} electronically deposit in my Checking Account on the XXXX. Wednesday of each Month as directed by the Social Security XXXX. The US Bank collects XXXX. Wednesday of each month all Overdrawn Amounts plus all Fees ; consequently the US Bank is not loosing any amount of money.
Product: Checking or savings account

An account was opened with chime using my information. This account was opened fraudently. 

Chime is refusing to provide the information of how, and where the account was opened. IP address of person that opened the account was requested and denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit & XXXX  has been reporting a fraudulent account on my Equifax after XXXX and XXXX have deemed the account fraudulent. I have filed a police report and reported this company to the FTC numerous times as fraudulent. This company claims I owe them $ XXXX for an apartment in XXXX, Atlanta. I been paying a mortgage since XX/XX/2020 until now in XXXX, GA. No way have I or would I live in the crime infested part of XXXX XXXX Also XXXX is full of fraudulent activity. This account does not belong to me. All my accounts are in good standing and I intend to keep them that way. I take my credit very seriously and pay all my owed debts. The company has been sent a letter along with the same police report I gave to XXXX and XXXX.
Product: Debt collection

I made numerous attempts to get lvnv funding to validate the debt. they continue to send me collection letters and not the original contract with my signature. They are in violation of numerous consumer law and FDCPA laws such as 15 usc 1692c, 1692d, 1692, j and 1692g. they are not complying with my requests of validation of the debt. they are just making redundant attempts to collect a debt that i do not owe.
Product: Credit card or prepaid card

For my XXXX Statement ( XXXX XXXX ) with Apple Card ( serviced by Goldman Sachs ), XXXX was charged interest in spite of paying more than the balance. My payments were also on time. Here are the details I see on the Apple Card app and the statement. 

Previous Total Balance : {$3900.00} New Spending : {$3400.00} Interest Charge : {$63.00} Payments and Credits : XXXX I made higher payments than my existing balance and was still charged interest. When I checked my XXXX statement, it confirms that I had paid all my XXXX balance so not sure where this XXXX interest originates from Previous Total Balance : {$2800.00} New Spending : {$3800.00} New Spending : {$0.00} New Spending : $ XXXX I spoke with the Apple card team on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to seek a resolution for this case. The Apple team did not assist with correcting the statement or reversing the interest fee. In addition, this fee also negatively impacted my credit score. 

On further analysis, i found that the Apple card statements are inaccurate as they don't reflect the amount due shown on the Apple XXXX XXXX, and their " Monthly Balance '' and " Total Balance '' amounts are different, which leads to confusion of the amount to be paid to avoid any interest fee.
Product: Credit card

Citibank 's deceitful marketing and advertising of precautionary measures against early fraud is flawed, does not work when needed, and Citibank doesn't take ownership of this faulty system in place despite customer 's paying annual fees for a credit card that legally should have consumer 's protection as its utmost importance. 

In XXXX years of being a CitiXXXX XXXXlient and cardholder, a charge for over {$900.00} at one establishment should have triggered a fraud warning- and it did not - creating a nightmare and tense relationship with Citi for over 8 months of disputing this matter. 

Suddenly, Citi responds stating that " although we do have systems in place to assist in the detection and prevention of fraud, we are not able to prevent it in all instances. '' Yet they continue to advertise/market this early fraud detection in all their promotional collateral, websites, and other forms of advertising, with absolutely no caveat that states it does not prevent it in all instances. This is wrong- and the latest NY State lawsuit against Citibank is clear indication that they have not been doing enough to protect their loyal customers. You sign up for a credit card with safety in mind, and yet they admit to their faulty system AFTER a customer has been impacted, leaving you to foot the bill for unauthorized charges. 

This feels like discrimination to me. Would this dispute be resolved differently if I had a more executive/elite credit card, paying higher annual fees, and of a different economic status and race? Do those individuals get more dedicated and preferential service, and why is that the case? Why is it that their XXXXxecutive Response Unit is not responsive at all, does not communicate with their customers on the phone, and refuses to acknowledge any correspondence provided to support your case? Another example of terms/obligations to the customer not being met. 

Why is it that Citibank is very inconsistent with their decisions on the different case studies found on the Consumer Financial Protection Bureau - many examples of monetary relief given to a customer that was a victim of card-present fraud, online scams, etc. It seems they pick and choose who they want to help, and this also feels discriminatory. I have plenty of examples I can share with Citibank about this, but they choose to ignore my correspondence.
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 violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

I opened this checking account with bank of the west. And to make this account free from monthly service fees, there are requirements which are paperless statement s and one ACH transfer every month. I have been doing this at least the past 12 months. Now after BMO taking over Bank of The West, without proper notification, my checking starts having a monthly service fees of {$10.00} per month. And I called the customer service in early XXXX XXXX, and I asked them how to waive a monthly service fees. They said I need to maintain with at least {$1500.00} in daily balance, which I transfer the fund on the same day to meet the minimum balance so I dont have to pay monthly service fees. Today, XXXX XXXX ; my account was charged another monthly service fees of {$10.00}. Either the bank employee lying to me or they were not well trained on how the account works. They also didnt send me the schedule term fees and disclosure. Please refund my fees and someone who understands how this checking account works, call me and explain. This is totally not fair and misdeception by bank employees.
Product: Credit card or prepaid card

I received a bill in the mail from TD Bank in the amount of one XXXX. I called the company and reported that someone opened a credit card in my name. The lady I talked with shut the card off and was sending it to their fraud department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to Free annual credit repair requesting all three bureaus to send me a free copy of my report. Free annual repair never responded or sent me a report..
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm trying to get my credit updated and XXXX  person that keeps calling are calling at bad times and expect me to drop everything and answer her questions. She will not give any contact information so that I may call her back. Her name is XXXX. she will not allow me to speak with her supervisor either. I really need help and XXXX is not the one. Just horrible in courtesy and professionalism.
Product: Credit reporting or other personal consumer reports

Credit scores : According to the Fair Credit Reporting Act, credit reporting must be accurate, complete, and verified. This law states that all debts must be precise, and the consumer must receive notification of the debt. CRAs must ensure the security and confidentiality of consumer credit information. The F.C.R.A. aims to protect consumers by ensuring the accuracy, fairness, and privacy of personal information. It also provides consumers with rights and remedies if their credit information is misused, mishandled, or inaccurate. In XX/XX/XXXX, Equifax and other credit reporting agencies admitted to inaccurately reporting the credit status of consumers. In XX/XX/XXXX Equifax and XXXX were ordered to pay {$23.00} XXXX in fines and restitution for deceiving consumers about usefulness and cost of credit scores they sold to consumers and the accuracy of information. Under the law of 15 USC section 1681, my rights have been violated. My credit reports are incorrect and have been reported this way for at least six or seven years, therefore, all reporting must cease and any negative items must be removed from my account expeditiously.
Product: Debt collection

I filed a Dispute with Transunion on XX/XX/XXXX for a medical debit that I do not owe due to having full insurance coverage effective since XX/XX/XXXX. Transunion communicated that the investigation would be completed within 30 days. Today is XX/XX/XXXX and the status of the dispute still says that Transunion is STILL investigating the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : In accordance with the Fair Credit Reporting Act this creditor National Accounts SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has violated my rights. 
15USC 1681, Section 602 States I have the right to privacy.

15USC 1681, section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

15USC 1666B Section A A creditor may not treat a payment on a credit card under as open, or late for any purpose.