23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I checked into XXXX XXXX XXXX XX/XX/XXXX and a XXXX hold was placed on my cash app card. I checked out XX/XX/XXXX. A balance of XXXX is owed to my account. Initially I was told if it was just a hold it could take 5-10 business days to complete. It has been longer than that. 
Today I contacted both companies only to find out that cash app routinely holds consumers funds for thirty days even after the merchant releases the funds. 
The representative also lied to me today and claimed that XXXX had placed another temporary hold on my funds in the amount of XXXX on XX/XX/XXXX which XXXX XXXX  denies stating they have encountered this issue multiple times with cash app holding funds. 
Today as of XX/XX/XXXX the funds are still not on my account. I wouldnt have used this card if I was aware that this money would be in limbo for a month afterwards.
Product: Debt collection

I do not understand why this is in collections. I know this was paid.
Product: Student loan

There are five ( 5 ) issues with my Nelnet account. 

1. My Nelnet application was processed on XX/XX/XXXX. Any forbearance from that time period should have had interest accrue at a 0 % interest rate. See attached document entitled " Biden-Harris Administration 0 % Interest, '' relevant part has been highlighted. 

2. I have not received any monthly statements from Nelnet since XX/XX/XXXX. See attached document entitled " XXXX XXXX XXXX XXXX XXXX. '' 3. My current status is incorrect as it falsely claims that I am in school. See attached documents entitled " XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX '' and " XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. '' 4. My " payments will begin in '' date keeps changing. It has shown me XXXX XXXX, XXXX XXXX, and XX/XX/XXXX all within the same day. See attached documents entitled " XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, '' " XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, '' and " XX/XX/XXXX XXXX XXXX. '' 5. Repeated calls to be removed out of administrative forbearance have been ignored. I am currently ( as of XX/XX/XXXX ) in forbearance. I have waited over two hours per call for no resolution.
Product: Debt collection

There is a collection on my Transunion report from XXXX XXXX XXXX XXXX XXXX regarding a XXXX XXXX bill in the amount of {$430.00}. It says it is for an XXXX XXXX XXXX account. I already disputed this account with Transunion, and they told me that the account was verified as accurate. This is not my account. 

This account is a fraudulent account. I do not have a XXXX XXXX account that is in my name. I am a victim of identity theft. Please remove this account immediately from all 3 of credit bureau reports : XXXX, XXXX, and Transunion.
Product: Checking or savings account

I would like to file a complaint against M & T Bank for the harm I suffer because of negligence of lack of transparency distribute XX/XX/XXXX. XX/XX/XXXX I filed XXXX separate disputes XXXX because of a refund that I was supposed to get for my vendor and XXXX against a vendor that charge me for services not rendered. I was given a credit provision to a investigation on the transaction. So I still was able to use my debit card going forth and made multiple purchases all the way up to XX/XX/XXXX in which in the same day I made XXXX purchases with the same debit card. At around XXXX XXXX  I was attempting pay the bill for the food I rendered at establishment in XXXX Connecticut in my debit card repeatedly decline. So I called the bank customer service line in which I was informed that they shut my debit card down without warning because of the disputes filed on XX/XX/XXXX and the bank made the mistake by not taking this action immediately after me filing the dispute. Because they took this action without notifying me I was not able to pay for my food because without my debit card you can not even go to the ATM machine and the bank was closed so because I couldn't pay for my food I got security called on me and was banned from the establishment because I could not pay for the food I rendered and I was very embarrassed. To add M & T bank don't have no provision in which if they shut your debit card down because of fraudulent transaction can be offered a temporary XXXX so you can make debit and ATM transactions. You have to wait XXXX to XXXX business days for a new card and can only gain access to your money by actually going to the bank doing business hours in which restricts your access to your own money. In conclusion because of M & T bank actions I was harmed because I was kicked out of the establishment because I can not pay for a service that I rendered because I was not informed that my debit card was not active. In the screenshots I uploaded you can see I was using my debit card between XX/XX/XXXX all way up to the XXXX until in the afternoon when my debit card suddenly stopped working.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 seven 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have finance my vehicle with XXXX XXXX for over a year almost a year and a half and have had trouble getting it reported to equifax even though they say its being reported. I have called numerous times to XXXX AND EQUIFAX only to be told an investigation will be opened to correct the matter its been almost 2 years and its still not showing even though it reports to XXXX and XXXX. This is not helping my credit when I have a car loan that Im paying on time every month and have not gotten credit for it and it looks like I dont even have a car loan with equifax. I have offered to send my payment information my loan information and equifax refuses to take it from me stating it has to come from XXXX XXXX. When I reach out to them they say they have sent the information and up until now I have gotten nowhere. Please help me get my loan reported accurately on my equifax report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARD TO MY CREDIT REPORTS. I NEVER RECEIVED XXXX  NOTIFICATIONS IN REGARD TO THE INVESTIGATION RESULTS. I FILED A XXXX XXXX  DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE A RESPONSE.
Product: Debt collection

First federal credit ctl collection debt is paid in full..I spoke with a lady named XXXX crane and she sent me a receipt of the debt paid In full but she did not send the letter of deletion as she promised..Ive disputed wit XXXX XXXX and XXXX and asked to delete of credit file immediately because I paid debt in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter on XX/XX/XXXX to XXXX XXXX  re : account closed on XX/XX/XXXX. This was due to the last XXXX XXXX crash., Date of first delinquency by me was XX/XX/XXXX, which is over 6 years. In my XX/XX/XXXX letter, I asked them to remove their negative comments, They continue to report that my % of delinquencies are too high. This is my ONLY one. I have XXXX with them only for {$840.00} which is XXXX years. My request & removal of comments were denied. Their actions resulted in an Equifax score that is XXXX points below the other XXXX agencies.. 

I have held a XXXX with XXXX XXXX since XXXX. They claim my card is only XXXX XXXX XXXX. They continue to report that I have too high credit usage, my usage is currently 17 % of their card ( my only credit account ) .I have asked by phone repeatedly to correct since XXXX. The last date of my earliest delinquency is XX/XX/XXXX, m which is XXXX XXXX XXXX. They continue to report both of XXXX negative comments : Too high credit usage, which is now 17 % of my only card, XXXX XXXX. Also too many serious delinquencies, I have only XXXX ( XXXX ) which is now XXXX years old. 

Both of these actions have resulted in my denial of a reasonable car loan, based on the negative comments. I am asking that you remove these comments immediately from all XXXX credit agencies.
Product: Money transfer, virtual currency, or money service

Video consulting services were sold to an individual, who paid for the consultation via PayPal. After receiving the services, user reported to PayPal that he had purchased an XXXX spreadsheet, and that I provided an empty sheet. He fabricated a corresponding text file that wasn't even a spreadsheet to " evidence '' this somehow. He provided absolutely no evidence that a spreadsheet was the product that had been purchased ( it was not ). 

I provided screenshots of the agreement for consultation and of the log that the video call had occurred. I also provided evidence that this was the second time that user had attempted this scheme. The first time, the issue was resolved appropriately with the exception that PayPal permitted the user to continue perpetrating the scheme. This on its own makes PayPal an active participant in the fraud, as they should have known better and actively decided to enable the fraud to continue. 

PayPal disregarded prior behavior, disregarded my evidence, disregarded absence of user 's evidence, and sided with user. No explanation was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account that appeared on my credit as XXXX XXXX and I disputed it XX/XX/2019 and it was removed. It next appeared as XXXX XXXX same account disputed it and it was deleted in XXXX of 2019. Now its been sold to CBE group and theyre back on my credit. I will like to report this account that keeps being sold and negative on my credit as it has been deleted multiple times.
Product: Debt collection

I spoke with EOS collection company today regarding a collection for XXXX XXXX. I spoke with XXXX wireless multiple times prior to be sent to collections as well. When I cancelled our XXXX XXXX, they continued to charge for service, so when I got our final bill I spoke with them to have them correct it. They agreed to correct the amount because it was in fact incorrect. However, we were sent to collections prior to XXXX correcting the issue. They are trying to collect {$4800.00} when the bill is less than half of that.
Product: Credit reporting or other personal consumer reports

I am requesting an investigation of the following information that appears on my Credit report. I have NEVER opened or used the following account and I request that you investigate this inaccurate information as it is essential that my credit profile is accurate with correct information & not incomplete with information that does not belong to me!
Product: Debt collection

I received calls at XXXX XXXX on XX/XX/22, as well as calls on XX/XX/22, and XX/XX/22. Spoke briefly to a representative who said they were trying to collect a debt from XXXX XXXX XXXX, I told them only time I used XXXX was when my truck was rearended and that the persons insurance took care of it. I told them to stop contacting me. this was on XX/XX/22. They called again on XX/XX/22. I did not accept phone call thinking this may be a scam. I also checked with XXXX where I rented the car and my account with XXXX was paid in full. I am on DO NOT CALL LIST and want them looked into and to stop calling me. Company is XXXX XXXX and their phone # is XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my Transunion credit report. My credit score did not increase as a result of the collection account with XXXX XXXX XXXX being removed from my report.
Product: Mortgage

I'm XXXX XXXX XXXX and a XXXX  resident stationed in XXXX. My mortgage is financed through Freedom Mortgage and I have requested to apply XXXX  SCRA statute LA RS 29:312 which states that debts incurred prior and during XXXX XXXX service must be capped at 6 %. I have been denied 3 times, and the denial letters only reference the Federal SCRA law that has interest rate caps to debts incurred prior to XXXX XXXX.
Product: Credit card

Subject : Macys Credit Card Account number ending in XXXX Issue : Reporting dispute of Incorrect Interest Charge of {$880.00} + Compounded Interest of {$750.00} Dear Sir/Madam, Im writing to provide details about the dispute I filed with XXXX 's on more than XXXX different occasions via recorded phone calls on my Macys CC account ending in XXXX. Additionally, recently 2 times with XXXX, first time on XX/XX/XXXX at XXXX ( XXXX ) via phone call, and second time via mail on XX/XX/XXXX on my Macys CC account ending in XXXX. 

In XX/XX/XXXX, I purchased an interest free XXXX yr promotional item from XXXX store in the amount of {$2300.00}, which I paid off within the promotional period ( of 1 year ). My total payments from XX/XX/XXXX to XX/XX/XXXX amounted to a total of {$5800.00}, which by far exceeded the promotional balance I owed to pay in the promotional period. 

However, Macys still erroneously charged me {$880.00} ( not legitimate ) in deferred interest in XX/XX/XXXX, thinking that I did not pay the promotional item in XXXX yr interest free period followed by an additional {$750.00} in compounded interest through XX/XX/XXXX. XXXX 's still charging the compounded interest every month which is also ( not legitimate ). 

Despite the multiple efforts I made in the past on recorded phone calls with XXXX 's, including the latest one on XX/XX/XXXX, at XXXX ( XXXX ) with Macys XXXX XXXX XXXX Employee ID : XXXX ) and XXXX XXXX ( Employee ID : XXXX ), who admitted the error and erroneous charges on the recorded call, but the issue remains unresolved / un-corrected. My account still reflects an incorrect {$1600.00} ( {$880.00} + {$750.00} ) balance that I do not owe them anymore since XX/XX/XXXX. 

During my latest phone call with Macys, I mentioned them if the long overdue issue is not corrected promptly, I will then escalate the matter to the Credit Bureaus which is why I contacted XXXX recently. 

XXXX 's agreed with my dispute with XXXX but still not corrected the issue as of today ( XX/XX/XXXX ) which is why I am now contacting your company to please help/ assist. 

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

I entered into an auto loan agreement with XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/year>, with a fixed monthly payment of {$960.00} for XXXX months. However, XXXX has been incorrectly reporting my monthly payment as {$1000.00}, which is a clear violation of my contract. 

Additionally, XXXX falsely reported a late payment on my credit report, despite my account being in good standing. I have maintained continuous insurance coverage, meaning there is no valid reason for any increased charges or lender-placed insurance fees. 

Actions Taken : I disputed the incorrect information with XXXX, requesting correction. 
XXXX wrongfully verified the false payment amount and late payment instead of correcting the issue. 
I submitted a dispute with credit bureaus ( Experian, XXXX, XXXX ), but XXXX continued to verify the incorrect information. 
I sent a formal demand letter to XXXX requesting immediate correction, but no resolution was provided. 
Why This is a Violation : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 : Prohibits furnishing inaccurate information to credit bureaus. 
California Consumer Credit Reporting Agencies Act ( CCCRAA ) Cal. Civ. Code 1785.25 : Requires accurate and truthful credit reporting.

California Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) Cal. Civ. Code 1788 : Prohibits deceptive practices in loan servicing. 

I am requesting immediate investigation and correction. If not resolved, I will consider further legal action for damages caused by this incorrect reporting.
Product: Debt collection

i never approved of the company.to use my information and would like proof of signature. And would like this account to be closed and {$110.00} removed. From my credit. Report profile ASAP for it is damaging my credit. Report
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/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: Credit reporting or other personal consumer reports

I am filing a formally complaint against XXXX XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX : {$740.00}
Product: Mortgage

I had XXXX defaulted modifications, I was given assistance from the state to bring my mortgage current. During the defaulted modifications my interest rate went from 4.125 % to now 5.250 %. My issue is that even after I have reached out and disputed this with the servicer, they will not change my interest rate back. They have merged with another servicer during the time of this but I never finalized any modification nor signed any paperwork to finalize it. I have started one but never made the three trial payments on time due to not being affordable as each and every time the amounts had gone up and two I have never signed documents to accept and finalize a modification. Therefore my interest rate and payment should still be what it was prior to all this. Now my loan is current thanks to the help of XXXX XXXX the servicer still refuses to take my claim seriously and change my rate back to what it was for the sole fact that my payment would drop approximately {$300.00} a month and make it actually affordable for me. I could understand this if I singed, returned, and finalized any modification but did not so I still don't understand how or why my rate has changed.