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

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX / {$180.00} / XX/XX/XXXX XXXX / {$330.00} / XX/XX/XXXX XXXX  XXXX / {$0.00} / XX/XX/XXXX XXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX XXXX OF XXXX / {$0.00} / XX/XX/XXXX
Product: Debt collection

XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-second call XX/XX/XXXX @ XXXX called Capital Systems  XXXX no answer 54-second call XX/XX/XXXX @ XXXX called Capital Systems XXXX 1 minute 42-second call-representative informed me account # XXXX was sold and to call XXXX. No company name was given to me. 

XX/XX/20 @ XXXX called Capital Systems  XXXX no answer 47-seconds call-tried to call and get the name of the complaint that account was sold to. 

XX/XX/XXXX XXXX called XXXX to see why {$560.00} is being reported on my credit. The representative would not give me the company name and after asking 3 times she disconnected the call. 

XX/XX/XXXX @ XXXX called XXXX 1 minute 42-second call - this time I didn't ask for the company name I tried to talk to her about the original company that sold this account, its called XXXX. She kept wanting my full social security number. I only would furnish my name and date of birth. I stated to her several times that I have never had or even knew what that company was, I did inform her that they ( whatever business she was with ) falsely reported a debt of {$560.00} on my credit report. Also, they are falsely and knowingly reporting a monthly payment of {$560.00} on my credit report. I told the representative that her company is in violation of the fair and accurate credit reporting act and I needed this matter to be resolved ASAP od I will be reporting this to the consumer financial protection bureau. The representative hung up on me. 

So it's nowXX/XX/2020 and this is my formal complaint. PLEASE HELP ME TO GET RESOLUTION ON THIS MATTER CAUSE THIS IS CLEARLY TO ME THAT THIS INFORMATION IS NOT CORRECT AND ALL I KEEP GETTING IS SOME SHADY BUSINESS BEING REPORTED ON MY CREDIT AND NO HELP WITH AN EXPLANATION. THEY CAN NOT EXPLAIN ANY INFORMATION THAT I ASK FOR, ALL I HAVE GOTTEN WAS THEY WANT ME TO SETTLE WITH A LOW PMT FOR SOMETHING I HAVE NEVER HEARD OF.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX do not have a legal business license to collect anything from new york state
Product: Debt collection

This debt is not mine and I have no idea what it is for. A letter was sent with the incorrect name. I tried calling the collections agency and they refused to give any information to me without first validating the debt which I refuse to do. I have no past-due accounts with XXXX XXXX XXXX or XXXX. This debt is not mine.
Product: Checking or savings account

There a few companies involved in this issue. I've never felt so frustrated in my life with any company and I truly mean it. My friends and I decided we wanted to go to XXXX for a mini vacation. My friend found a good deal on XXXX. I was booking for my friend and I and the flight we chose was XXXX, unfortunately. When I went to finalize my trip, it did not go through because I supposedly did not have enough funds in my account. I couldn't understand why. I did have enough money on my account. I then check my BOA account and realize XXXX and XXXX were holding funds before I was able to even book, hence why it said I didn't have enough money. At this point I have tried to book about 5 times over the past 2 weeks and it has failed. That was the first issue. After countless hours on the phone trying to resolved this issue on the phone, which they couldn't help with because I didn't have a confirmation number or ticket number. I decided to give up on booking. As of XX/XX/2018, XXXX is STILL holding {$390.00}. They are holding funds for something that I don't have. I never booked, I don't have any record from their end, all I have is BOA holding funds from a merchant who is XXXX. I've called and even have cried on the phone because I'm so frustrated. This whole process seems super illegal to hold someone's funds without authorization. I have XXXX yr old daughter who needs groceries and I need to pay my bills and they have not been helpful AT ALL. NOT Bank of America, NOT XXXX and specially not XXXX. I feel so helpless and upset that no one cares. XXXX does not want to release my money and says that waiting is part of the process that is totally unacceptable. BOA is not willing to help either even though they are my bank and know the situation. No ones has gone over and beyond to help me. XXXX also has a " sketchy '' partnership with another agency because XXXX mentioned they tried calling and the automated system wasn't even English, it was a foreign company. PLEASE HELP ME! Obviously money is these companies only concern not their clients. Please help me teach them a lesson.
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 : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # 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 section 2 : It 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 or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting XXXX XXXX  XXXX Account Number : **** Please remove it from my credit report.
Product: Bank account or service

In mid-XX/XX/2016, I called PNC, after XXXX years of banking with them, to close my checking account ( I had moved across country and chose to bank closer to home ). I was told that I had to have XXXX transactions for XXXX days in order for the account to be closed. This seemed odd, as XXXX, where I also had a checking account, closed my account within five minutes. I have also not been able to find this XXXX policy in any PNC account agreement. Though I was careful to transfer over all my auto-payments, I requested that PNC reject any payments that might accidentally slip through. However, a direct-deposit that I was not aware of from an old job entered the PNC account, nulling the time of no transactions and re-starting the XXXX day period. During this second period of waiting XXXX days to close my account, XXXX, despite the fact that I had linked my XXXX account to my new bank account, accessed my PNC account for an XXXX payment ( I was told by a XXXX agent that even though I had switched my account with XXXX and that I was choosing to pay with XXXX, I had to redirect my payment directly with XXXX. I 'm still not sure about this policy ), thus nulling once more this XXXX period and generating an overdraft fee. Since I had already requested of PNC to reject all payments, I did not check my PNC account until weeks later, after which a couple XXXX dollars of overdraft fees had been generated. After hours of discussing this issue with PNC agents, one finally agreed to refund fees, but only half. PNC is holding me accountable for over a XXXX dollars of fees that were generated after they refused to close my account when I requested, and to reject payments after they agreed to do so. I have called two separate agents directly in the Retail Escalations department, and neither have returned my phone messages for two weeks. My account is due to be sent to collections, all because PNC would not close my account upon my request. I am not responsible for these fees, and I simply want the account closed. I had a great relationship with PNC for over a decade, all of which has been nulled from this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report ran from XXXX XXXX XXXX experian has loan incorrect on print out others have it correct. Tried to call and fix they said information is correct then why are print outs wrong? He didn't know asked for supervisor wait nearly 10mins said do call back. No call back. My reports should reflect my correct information. They were rude and not helpful and messing up my world because the facts are not correct.
Product: Credit reporting or other personal consumer reports

3.5 years ago my wallet was stolen and XXXX credit cards were used illegally. They are ; XXXX XXXX XXXX XXXX XXXXXXXX, Barclays Bank Delaware XXXX  XXXXXXXX XXXX XXXX XXXX XXXX. The XXXX other credit bureaus have expunged those XXXX accounts. Only XXXX continues to carry those XXXX bad charges. Causing a XXXX point disparity between those XXXX credit bureaus. Id like XXXX to also remove those delinquent accounts. It is adversely affecting my FICO score and causing me great XXXX XXXX despair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( Equifax, XXXX, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
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 tal timely and effective measures to prevent 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.
Product: Student loan

I applied for Direct Consolidation with a request to be put on the XXXX program as part of the application and chose to switch my loan from XXXX to MOHELA on XX/XX/XXXX. 

The consolidation went through on XX/XX/XXXX and the income based repayment plan somehow was not submitted as part of that application. I was put on a standard repayment plan which is not what I applied for and can not afford. I have since been accruing interest on my loan and should not be. 

I spoke with someone from MOHELA and was directed to submit another income based repayment plan application. I did so on XX/XX/XXXX. I was told that my account would be placed in administrative forbearance the following day XX/XX/XXXX. My account still says 'Awaiting Form Administrative Forbearance-Ends XX/XX/XXXX '. I was told that MOHELA recieved my new application by the represenative and I want to know why the form is not in my account yet and why it has not been processed. This timeline is unacceptable. There has been XXXX communication from MOHELA regarding my application. I have had to call them to get any information about my loan repayment application. Why am I having to call and get this information? That is the companies job.
Product: Debt collection

Aragon Collections was paid and agreed upon receipt of payment agreed upon cashing the money order to remove the debt from my credit files with the credit bureaus.
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of three mortgage defaults from my credit report. Per my XXXX divorce decree ( XXXX XXXX. XXXX XXXXXXXX ) filed and XX/XX/XXXX, page XXXX, XXXXXXXX XXXX  number XXXX, my ex-husband was responsible for refinancing and maintaining the property. He defaulted three times in XXXX, using my credit unlawfully from XXXX to XXXX, without my knowledge. This has unjustly impacted my credit history. I became aware when I went to purchase my current home. 

The property has been sold, and he was solely responsible for these defaults. Additionally, my ex-husband has a history of fraudulent actions. Another property mentioned in our divorce decree, a lake home referenced in line XXXX, was also sold using my credit until the date of its sale. His current wife, XXXX XXXX, fraudulently impersonated me and signed the papers to sell the property, acting as me. Despite my name being on the debt and mortgage until the date of sale, the sale documents were drafted in her name, not mine. I had to contact the title company to obtain the sale records to close on my current home and became of aware of this fraudulent action. I want no ties to this type of behavior nor the repercussions of other 's fraud.

I urge you to rectify this issue immediately by removing these defaults from my credit score. 


Sincerely, XXXX XXXX
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 ( 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, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting mi ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX account ( XXXX XXXX XXXX account number XXXX )
Product: Debt collection

Credit acceptance this account never belonged to me. Its been removed from XXXX  and XXXX however XXXX  refuses to take it off also its stating open. I have been dealing with identity theft since 2014.
Product: Credit card

This complaint is in response to Consumer Financial Protection Bureau Case No. : XXXX Discover Financial did not complete their obligation regarding my fraud case, issued last year. I have submitted an updated complaint, as Discover Financial did not fulfill the obligation that they promised. 

Update to XXXX 's complaint : Discover card services did not credit all of the fraudulent charges on my account. As stated by the Discover representative, the company needed " additional time '' to take care of this case. I have been disputing this issue with discover since the fall of 2016. How does a credit card company get away with taking over a half of a year to take care of fraud charges on an account? Discover omitted fraud charges that I sent to their fax machine - XXXX and physical mail address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX Discover credit card company created barriers for me to correspond about the fraudulent charges, so I had to great length to communicate the fraud to Discover Card company. I have sent countless amounts of documentation, pertaining to the fraudulent charges, to the Discover Card fraud department. Discover needs to credit the remaining charges that I submitted to them. Just because representatives of Discover credit card company correspond to the CFPB, does not mean the issue has been addressed and it goes away. I will confirm the issue has been rectified upon receipt of the check totaling the correct amount of money, for the charges that have not been credited back to me. Please note that I have received confirmation letters from Discover, acknowledging that they have received correspondence form me regarding the fraud on my account as recently as XXXX and early XXXX, on top of the other fraud confirmation letters sent previously and that they are working on the situation. Discover credit card services needs to complete this fraud case immediately and upon receipt of the check I am owed, I will sign off that this issue has been taken care of. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.
Product: Checking or savings account

Hello, Bank of America has recently started charging a {$12.00} " maintenance fee '' on my savings account without informing me of these changes. I have had an account with them for over 20 years. This is an obvious cash grab I do not understand how the banks can just start taking money out of our account. This is not banking, this is stealing. Can banks just decide at will to literally start stealing customers money at whatever amount they decide? How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Regarding Inaccuracies in Credit Reports Dear Sir/Madam, I am writing to dispute and bring to your attention significant inconsistencies and inaccuracies in my credit reports from the three major credit bureaus : XXXX, Equifax, and XXXX. The discrepancies pertain to the XXXX XXXX  XXXX account, and I request a thorough investigation to rectify these issues. 

Upon reviewing the credit reports, I have identified several discrepancies that require immediate attention. Firstly, in XX/XX/XXXX, when the XXXX XXXX  XXXX account was opened, Equifax reports a payment made on that specific month, while XXXX and XXXX do not reflect any payment activity. This discrepancy in payment reporting during the account 's inception raises concerns about the accuracy and consistency of the information provided. 

Furthermore, all three credit bureaus report three late payments on the XXXX XXXX  XXXX account in the months of XXXX, XXXX, and XXXX. However, there is a discrepancy in reporting regarding the subsequent months. XXXX and XXXX indicate a closed status on the account in XX/XX/XXXX, denoted by " XXXX, '' while Equifax shows payments made on the account until XX/XX/XXXX, suggesting an open status. These conflicting statuses require investigation and clarification to ensure accurate reporting. 

Additionally, I noticed variations in the balance update dates. XXXX reports a balance update on XX/XX/XXXX, while Equifax and XXXX report balance updates on XX/XX/XXXX, and XX/XX/XXXX, respectively. This inconsistency in balance reporting further adds to the confusion surrounding the account 's status and payment history. 

Considering the discrepancies outlined above, I kindly request a comprehensive investigation into the XXXXXXXX XXXX XXXXXXXX account across all three credit bureaus. Please review and reconcile the reported late payments, the missing payment in XX/XX/XXXX on XXXX and XXXX, and the conflicting payment history between the bureaus. Additionally, ensure consistent reporting of the account status, including the closure date, to provide accurate and reliable information to potential creditors. 

Once the investigation is complete, I request a detailed explanation of the findings and the corrective measures taken to address the inaccuracies. As a consumer, I have the right to accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), and I trust that you will handle this matter promptly and in accordance with the FCRA 's guidelines. 

Please acknowledge receipt of this dispute letter and provide written confirmation. I appreciate your immediate attention to this matter and your efforts to rectify these inconsistencies. I look forward to a prompt resolution and the issuance of updated and accurate credit reports. 

Thank you for your assistance. 

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$81.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$7100.00}.