23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received an email saying that I had a " Google Pay Balance Statement ''. I was not aware I had a Google Payments account, so this was an alarming revelation. 

I logged into the account and attempted to close it, but instead of closing the account, Google displays a message " We're currently unable to close your payments profile due to the Google subscription services that have been used with this payments profile. '' I contacted Google support and was told that I had an active XXXX XXXX cell phone plan. I advised that I have NEVER had XXXX XXXX service. I did click a " notify me when available '' option on a Google smart phone, several years ago, but I was never notified that the phone was available and instead use XXXX. Google support claims that this pre-order created a XXXX XXXX account. I advised Google that I did not want XXXX XXXX service and that the account should be closed. They advised they would escalate the issue. 

On XX/XX/XXXX I received an email from XXXX XXXX support advising that the account had been closed. I logged into the Google Payments profile but was still unable to close the account. I again contacted support and was told the issue would be escalated. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I again reached out to them. At first, Google support told me that they didn't believe that I couldn't close the account, myself. I advised I received error messages when I try to close the account and I provided screenshots of the error messages to Google support, via email. I was told that they would escalate the issue, again. 

On XX/XX/XXXX I had not heard any status updates from Google support, so I reached out to them, via email. I received a response on XX/XX/XXXX that Google is refusing to remove my payment card and that they do not allow customers to close Google Payment accounts -- despite that option being presented on the Settings page. There is also a google support article titled how to " Permanently close your Google payments profile '' that provides steps. Unfortunately, following these steps results in the error messages I mentioned, previously. 

It is unacceptable for Google to refuse to remove my payment information, even after I have advised them that I revoke authorization for them to retain it. 

It is unacceptable for Google to refuse to close my Google Payments profile, even after I have advised them that I do not accept their privacy policy or terms of service.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX  Account # : XXXX
Product: Credit reporting or other personal consumer reports

This is to follow up in despite numerous attempts and providing extensive documentation to have these inaccuracies be removed, these fraudulent items continue to appear on my credit report, severely impacting my financial standing and credibility. I demand immediate action to rectify this matter. I expect a thorough investigation into why these fraudulent items continue to persist on my credit report despite multiple requests for their removal. Additionally, I require a detailed explanation of the steps being taken to resolve this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the ongoing presence of these fraudulent items on my credit report. They have negatively affected my ability to obtain credit, secure loans, and pursue other financial opportunities crucial for my financial stability. The following items should be remove as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/year> our mortgage loan with XXXX XXXX XXXX XXXX  was transferred to Shellpoint Mortgage Servicing. I was not aware of the transfer until after it occurred. I had called XXXX on XXXX to change my auto draft date from the XXXX to the XXXX of each month. The rep I spoke to referred me to the Shellpoint Customer Service number and I called soon after. The Rep at Shellpoint asked me to go online and register our mortage loan with them as it was new in the system. I did that and then tried to set up auto draft for the XXXX of each month. The amount due was {$3800.00}. When I tried to set up the payment, I mistakenly sent it same day as a one time payment. I had expected to get a date to select and send during this process. I called Shellpoint again to cancel the payment but they responded saying it could not be canelled due to the online system. I then asked if the previous auto draft date with XXXX had transferred with the loan. They said it had and a payment was sheduled for the XXXX. This alarmed me as it appeared I would be making a second payment in the same month. On the day I made the payment error there were not funds to cover the paymet amount of {$3800.00}. Shellpoint did suspend the auto draft scheduled for the XXXX until I wanted to restart it in XXXX. On XXXX I called shellpoint again to make the payment over the phone. This was done and shellpoint confirmed the XXXX as the payment date. On XXXX I went online again to reset the auto draft date for the XXXX of each month. I was denied that option and informed it was due to two retruned mortgage payment checks in the same month. I did not see any returned checks but did see a pending withdrawal on XXXX for the {$3800.00} from my XXXX XXXX  account ending in XXXX. The payment actually posted on XXXX with no late fees or overdraft charges being assessed. There were suffiicent funds to clear the mortgage payment on the XXXX when it was made. I believe there were errors or misinformation provided by Shellpoint Mortgage Servcing that led to my failed attempts to set up auto draft and the returned checks I had sent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not my account and was opened fraudulently XX/XX/XXXX in the amount of {$5200.00}. Experian hasn't removed this account because the lender won't remove this account. I need this removed from my account as soon as possible. They did a lazy investigation and claimed I didn't report this sooner. I reported this XX/XX/XXXX that was ignored even though they said this account was opened in XXXX and the loan was taken out XX/XX/XXXX without my knowledge. As soon as I notice I explained this wasn't me and where is the proof? What bank account did these funds appear? I never received the funds and this is the only late payment account showing on my credit report which has hinder many opportunities for me. Costing me hundreds of thousands of dollars.
Product: Checking or savings account

They closed my account due to a fraud check thats somebody deposit on my account and they reopened and create a new account for me and now I have been charged for they claims that the fraud people did its an amount of XXXX and I cant pay thats because I dont have the money I didnt do those claims I didnt deposit those checks and they may get the address of the people that did this and send them a letter charging them that money not me and I have a pay check that is coming to pay rent and I cant pay rent if they are charging me something I didnt do and it was a fraud
Product: Debt collection

Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the XXXX since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some XXXX took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.
Product: Debt or credit management

XXXX and XXXX XXXX ( TD Bank ) are different companies that do not talk to each other. XXXX has agreed that my order was only to be treated as ONE ORDER. They have case # XXXX confirming this as it was clearly to be an exchange and needs to be fixed. One broken part was sent back and another was send to replace it. This shouldn't have been treated as two orders with separate plan terms. TD Bank refuses to contact XXXX or make the corrections. 

They have begun sending damaging credit actions over even though I have contacted them many times about this. See call log for details of all the activities, I have kept careful notes after starting to encounter TD 's poor practices towards consumers. 

TD Bank also started charging me a late fee even though they said they completed a payment ( Inquiry # XXXX ) for way over the minimum balance using their online system.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX T XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

I opened a savings account with Citi bank last month and my Account got locked and supposedly closed I sent XXXX everytime I call there costumer service they never help with the situation and always giving me another number to call I sent all my money there to last time I called I was told account would be closed and I would be sent a check now Im calling they say my account is just blocked I honestly just want my money so I can go back to my regular bank
Product: Debt collection

repeated calls from this company. There is no detail as to why they are calling or with whom they are calling for
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 Consumers 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 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: Credit card

I spoke with three agents regarding my financial situation. The first agent attempted to assist me and stated they could eliminate the interest rate on my account. The second agent also took my statement and mentioned the option to pause payments for a certain period. However, the third agent I spoke with did not attempt to assist and instead told me to call back when I was able to make a payment. When I reiterated my financial situation, this agent advised me to hang up and speak with another representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureau several times in regards to open accounts that do not belong to me. The following accounts do not belong to me : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These disputes were send out XX/XX/2023 and no response and causing me to not be able to purchase my home. I need this to be removed Immediately. Name is showing inaccurate which should only appear as XXXX XXXX and my only address is that should appear is XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX. If not removed further action will be taken. 

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

I requested for them to indicate actually amounts I paid to XXXX  XXXX on the credit reports as they indicate for other companies in the report. 
I requested updated information but they Sent me a report before my payment due date in XX/XX/2024 dated XX/XX/2024 how did they come up with {$2.00} debt and I paid {$120.00} as stated on XXXX  XXXX statement sent to me for XXXX payment. 
They had refused to dispute with XXXX  XXXX bank why the minimum amount they reported to credit bureas are not same minimum I get on my credit reports. 
Also the refused to dispute increase of interest on XXXX  XXXX 5 times in a year without XXXX  XXXX writing me any 45days advance notice according to Consumer financial protection burea. 
Also I had written their office of equifax thrice attached my utility bill, ssn card, driver 's license all bold and colored print copy but they kept asking for it before the will respond to me over the phone with my selfie and when I answer their so called computer generated questions that never changed over month their agent will say it's incorrect meanwhile I answered from the credit reports they mailed to me that means equifax Credit Bureau is reporting false information and I told them what they report to lenders are incorrect. 
They blocked me from uploading supporting evidences document on my disputes that will enable in their investigation and they put negative remark on my credit file while the have not completed investigation and the refused to remove it even with supporting documents they got in their office address
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX  ], [ XXXX ]. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There a are a few credit inquiries on my report I do not recognize
Product: Student loan

I applied to consolidate all of my student loans the month before I graduated from XXXX. I also made sure to apply for consolidation once my grace period ends which is an option when applying. Instead of listening to my wishes they went ahead and consolidated half of my student loans ( federal grad plus loans ) immediately, refused to cancel the consolidation, and are not trying to make me pay my loans back even though I just graduated from school In XX/XX/2016 and have 6 months of grace period on all of my federal loans to where I do not have to pay so I can find a job and save. I have fought with them over email and phone since XXXX and they refuse to cancel my consolidation or put my status back into grace period. The other half of my student loans are in grace period since I just graduated but they refuse to listen to me and are making me pay when I can not. My credit will takea hit because I can not pay my student loans. They are going against federal law stating that I do not have a 6 month grace period even though I just graduated.
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX and 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

On XX/XX/2022 XXXX placed Account # XXXX as a charge off on my credit reports; dropping substantially my Credit Score. 
On XX/XX/2022 I contacted XXXX regarding Account # XXXX and reached an agreement to delete this account from my credit file on the XXXX Credit Bureaus XXXX XXXX XXXX TRANSUNION & XXXX ) XXXX I am attaching a letter to support this claim. This letter states that the account # XXXX has a zero balance and no further payments are required. 
On XX/XX/2022, I sent Certified mail to each reporting agencies ( XXXX, TRANSUNION & XXXX ) with a copy of the letter provided by XXXX stating that the account was satisfied and requesting removal from my credit report. 

On XX/XX/2022 my Credit Report showed removal of the Account # XXXX from the XXXX credit Bureaus ( XXXX, TRANSUNION & XXXX ) On XX/XX/2022 my Credit Report, shows that account # XXXX from XXXX was placed back on my credit report, stating a balance of {$2700.00}. 

In accordance with the Fair Credit Reporting Act SUNTRUST/TRUIST acct # XXXX the credit bureaus violated my rights with reporting inaccurate information on my credit report accounts.
Product: Credit card or prepaid card

noticed an interest charged on my account with XXXX XXXX XXXX administered by comenity bank account XXXX they advised that i did not pay the account in full or on time. the charge looked strange, i disputed via the phone and was told by a manager that the interest would stand. i went into the store to find the transaction for XXXX purchase date XX/XX/2021, the store advised no charge on file, i called comenity bank to dispute and was told that due to their conversion they were unable to dispute it and the charge would remain. i have attached the statement, the charge of XXXX is invalid and i am asking XXXX XXXX to correct this, remove the interest, and refund me my money
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 

XXXX XXXX  Balance : {$0.00}