23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I received three overdraft fees, {$34.00} each, amounting to {$100.00}. This was caused by three online payments of {$11.00}, {$11.00}, and {$23.00} going through. This caused the account to overdraft {$27.00}. <P/>I know I am supposed to get money in before XXXX to make sure my account is funded, but I was not able to do that until about XXXX when I deposited {$28.00} to cover. <P/>This morning I woke up to the three overdraft charges. I could understand one, or even two, but the way the bank submitted the payments, they charged as much as they possibly could, almost 4 times the amount of the overdraft. This is not right. <P/>I contacted the bank but although they say, '' your satisfaction continues to be our topmost priority '' they would not waive even one of the fees. <P/>I had this experience before and requested that they review their policy. I do n't believe they should be able to charge more than the amount of the overdraft. What they are doing is so wrong and really hurts people who do n't have a lot of money to spare. <P/>I contacted the CFPB previously about this and you forwarded my concern. I am hoping contacting you again will make them reconsider their policy.
Product: Money transfer, virtual currency, or money service

I'm filling a complaint against Cash app ( Block , Inc . ) Due to inadequate customer service and unfair practices, which violates the Consumer Financial Projection 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 seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX 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 XXXX 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 item from my file in accordance with paragraph ( XXXX ), 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 Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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

please remove all Fraudulent accounte as i have no knowledge of any of these accounts due to the XXXX data breachidentity theft. All is being investigated by the FTC. According to the FCRA 605B This information must be blocked IMMEDIATELY until the investigation is OVER.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Tax Lien that was filed with  XXXX   County Superior Court t hat is reporting inaccurately on my Equifax Credit Report. I complained about this a few weeks ago and  XXXX  and  XXXX   XXXX  both removed it from public record. However, for some reason Equifax is saying that they verified it through  XXXX   Consumer Center. I work  in  XXXX  and I know that  XXXX  just reports information ... not verify if it 's correct. How can  XXXX  credit reporting agencies remove  it but not the  XXXX  one???
Product: Mortgage

I entered into a Covid payment deferment plan with XXXX. I had two conversations with them to ensure my payments would be temporarily paused. My account was subsequently transferred to a shellpoint mortgage servicing company and reported as past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2022, i filed a dispute wit Equifax about the unverified collection reporting of XXXX XXXX XXXX account number XXXX. I alsoI requested validation of debt with XXXX XXXX XXXX account number XXXXXXXXI have sent 2 notifications, I have not heard from them in two months about this unverified account. So now I'm contacting the cfpb to step in and help me get this issue resolved. According to the Fair Credit Reporting Act, if a debt collector is not able to validate the debt that I owe, Then it must remove my report and I have not heard from them in over 2 months as of today. Thank you
Product: Debt collection

Having recently moved back to the United States, I decied to check my credit reports as I had been out of the country for almost 2 years. While it's in the 700 's, I do have 3 collection accounts which I am trying to resolve.

I called ERC to discuss what the account was for and why the dates on my report are wrong as I had not even been in the US for 2 years. After researching how to respond in writing for verification and

possible settlement, they did not respond in writing within the 15-30 days of me sending a certified letter. I did receive the returned receipt which was signed. Also, I learned that ERC has had 100 's of complaints about how they do not respond in writing, try to get bank account information over the phone, report an old or non-existant debt and then when settled or even paid in full, they do not take it off your credit report. I found out that even if you pay the original creditor in full that ERC will still try to collect and file negative reports to the credit bureau. This leaves me with no desire to pay them anything as it will have slim to no chance of improving my score. Honestly, with all the complaints that have been published, how they are not shut down is a complete mystery to me and many others??? They are obviously in violation of many rules that were created to protect the consumers from the situations I have described. It seems that we have no recourse even if we follow every step reccommended by the CFPB. Please advise if you have anything new to deal with these unfair and unlawful tactics. 

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

This account is reporting incorrectly. It is not past due and is current.Experian just changed my status to past due falsely claiming I have missed a payment and have a past due balance and that is inaccurate. It has caused my score to decrease drastically. Update account ASAP and remove the late payment. Ive only had XXXX late payment for them since XX/XX/2024. Every other payment has been current since
Product: Debt collection

A representative named XXXX XXXX stated that I owe XXXX to a company named LMS Solution. I tried to tell the representative that she had to wrong person but she insisted on stating she was going to take me to court.
Product: Credit reporting

Equifax still has an error listed on my report, I disputed and no one ever even contacted the creditor. I called XXXX and the payment was deferred the due date. This account was never past due and Equifax has it listed past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE AN ERROR AND WERE NOT AUTHORIZED : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have reached my limit on waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I am ready to file a complaint with the FTC and XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 plus days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the XXXX you cost me.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile and noticed there was inquiries that do not belong to me on it
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very distressed that you have included the below information in my credit profile. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. 
I 'm sure you 'll agree it needs to be removed as soon as possible. 
The following information needs to be deleted from my credit report as soon as possible : XXXX XXXX COLLECTIONS INAlert Date : XX/XX/2015Source : EQUIFAXCompany : XXXX XXXX XXXX INPayment Status : UNPAID ( UNPAID ) Status Date : XX/XX/2015Balance : $ XXXXBalance Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXXPlease delete the above information as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

MOVE THE FRAUD ALERT FROM MY EXPERIAN CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$46000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2024 XXXX XXXX XX/XX/202XXXX 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/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the credit bureau 's ( Experian, XXXX, and XXXX ) to update my personal information on my consumer file I was told that all my information was verified and correct. I am not sure as to who they have verified my information with but it was not me.
Product: Student loan

I am trying to buy a home. 
Navient has been reporting my Student Loans as in default, even though my account has been transferred over to XXXX for around a year now. This has tanked my credit score and possibly made it impossible for me to purchase a home OR rent. They have not responded to my complaints or requests to fix this issue. I will resume calling on Monday ( XX/XX/22 ) to see if this gets rectified. Hopefully we will not lose out on this home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this Company numerous of times about the unauthorized inquiry. I have a freeze on all 3 credit bureaus. I have called the Agency and the credit bureau and each time I keep getting told to call back the other. I am in the process of purchasing a home and this has become frustrating. I am advised of my rights as a consumer and i have yet to get a solution. 
The inquiry was placed XX/XX/2017 2017
Product: Debt collection

They are calling at work and continue to call even after I have told them not to. They ask for personnel information, before they will tell me who they are or what they want.
Product: Credit card or prepaid card

American Express Blue Cash Preferred Card provides misleading advertising and could put people into debt/financial distress for money they have thought they earned. 

Not providing verbal agreement wording : When requesting the wording in my verbal agreement to open and close the account, American Express would not supply this information. If I am entering a contract with them, how can they not provide me with a copy of the verbal agreements ' wording? 

When speaking with American Express, there is inconsistent naming practices. The Cash Back statement credit was referred to a number of different ways : welcome bonus, bonus, points, and awards. It is confusing and does their legalese really cover this agreement switching back and forth in wording and not being clear that the " cash back statement credit '' as referred to in the flyer will need to be paid back. 

Misleading information : American Express Blue Cash Preferred Card promotional flyer is quick to point out a " {$150.00} Cash Back '' but fails to equally bring attention to the fact that you need to keep your account open 12 months. After 12 months, American Express Blue Cash Preferred Card charges you an annual fee. If you do not keep the account open for the 12 months, they reverse the promotional credit and you will owe {$150.00} back to American Express. This is shady. Little did I know the {$150.00} bonus was a short-term loan to pay back and I assume I'm charged interest if I do not pay. 

The promotional flyer should state front and center " {$150.00} Cash Back with minimum 12 month Account ''. 

Unfair Business Practice : American Express provides the {$150.00} Cash Back after fulfilling ONLY some of the requirements : spending {$1000.00} in the first 6 months, but it doesn't not wait for the account to be open 12 months before providing the {$150.00} cash back statement credit. This is an unfair business practice and calculative in taking advantage of customers. 

In the end, it is an amount of money in the form of a statement credit that can be given prematurely having NOT fulfilled the requirements of earning it and then asked to be paid back. Sounds like a loan to me. 

The Blue Cash Preferred Card from American Express promotional flyer also has the fine print XXXX XXXX XXXX wording on the back : If you cancel or downgrade your account within the 12 months after acquiring it ... .we may not credit the statement credit to, we may freeze the statement credit credited to, or we may take away the statement credit from your account. Why is it not we will either? 

I have tried to resolve directly with American Express, but not only did they not provide me with wording of the opening and closing of the account that I verbally agreed to, they are requiring me to pay back the statement credit.
Product: Mortgage

We have been told that the Government has now initiated a new program for extending mortgages due to the Coronavirus situation. Supposedly the banks will extend mortgages for up to a year. We have a current mortgage with Bank of America for one of our rental units. We would like to extend this mortgage for at least 90 days because we do not want to be caught in a bind. It looks like more and more states are not allowing eviction for non-payment of rents. If this were to happen to us we would not be able to pay the mortgage on this property. 
We have called Bank of America on XX/XX/20, XX/XX/20 and XX/XX/20 and we were placed on hold for over 2 hours and the call just drops. This repeats no matter how many times we call.
Product: Credit reporting or other personal consumer reports

XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX accessed my XXXX consumer report without my knowledge or consent. 

XXXX XXXX XXXX XXXX did not have a permissible purpose to access this information and are in violation of the FCRA. 

XXXX. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Midland Credit Management XXXX accessed my XXXX consumer report on XXXX different occasions without my knowledge or consent. 

Midland Credit Management XXXX did not have a permissible purpose to access this information and are in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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/year>
Product: Credit card

I have recently cancelled the debt associated with JPMCB CARD Account Number XXXX. I have obtained letters of debt cancellation as supporting documentation. Given that the debt has been officially cancelled, I kindly request that you cease reporting this account on my credit report. I understand the importance of accurate reporting and wish to ensure that my credit report reflects the most up-to-date information. I have attached copies of the debt cancellation letters for your reference.
Product: Mortgage

I sent a notice of error to my mortgage company about my escrow account statement being incorrect. I have proof from the post office that it was received on XXXX XXXX it it's now XXXX XXXX and I have not receive a notice acknowledging my notice of error has been received. My mortgage company is stating I have a shortage on my escrow account when in reality I have a surplus. They are estimating my county taxes higher than what it is and I have provided the bill to prove it. I'm asking that they fix the error and refund me the surplus.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX  was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. 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 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 21 days before the payment due date. 


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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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 or other personal consumer reports

I'm a victim of identity theft whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquires and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in this matter.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and i noticed some things are both incomplete and inaccurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. these accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX it XXXX Opened XXXX on Experian it states Opened XXXX ) ( XXXX still says collection account still open. ) The opened dates are not reporting correctly, these accounts are not accurate. all 3 credit bureaus have diffferent reported information and dates.