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

I spoke with a representative named XXXX with XXXX XXXX in regards to making a correction on my credit report to remove the following delinquencies : XXXX XXXX Account # XXXX XXXX days past due for XX/XX/2023, XX/XX/2023 and XXXX days past due. 

Representative promised to remove said delinquencies. Attached is also a letter received from XXXX XXXXXXXX dated XX/XX/2023, promising to remove said delinquencies. No action to remove the items has been taken or no corrections have been reflected on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate personal identifiers on my report and they refuse to rectify the issue. 

Transunion is reporting inaccurate late payments on my report and they refuse to rectify the issue. XXXX XXXXXXXX XXXX # XXXX ( showing as 30 days late ) XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 120 days late XX/XX/XXXX. I demand that you delete all late payments from the account. 

XXXX XXXX XXXX  # XXXX - ACCOUNT STATUS CLOSED This account is listed as being 120 days late XX/XX/XXXX. I demand that you delete all late payments from the account. 

XXXX XXXX XXXX # XXXX - ACCOUNT STATUS OPEN This account is listed as being 60 days late XX/XX/XXXX. Please verify that this account was indeed late as you report, or I demand that you delete all late payments from the account. 

Transunion is reporting two MEDICAL COLLECTIONS on my credit report that should not be there. XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/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
Product: Credit reporting or other personal consumer reports

I FOUND FRAUDULENT ACTIVITY ON MY CREDIT REPORT IT IS A COLLECTION DONT BELONGS TO ME I NEVER STAYED IN XXXX XXXX XXXX XX/XX/XXXX COMPANY NAME : XXXX XXXX  ACCOUNT # XXXX DATE : XX/XX/XXXX AND THE ADDRESS IS XXXX XXXX XXXX XXXX  XXXX XXXX NV XXXX AND I ALSO GOT XXXX HARD INQUIRES XXXX  XXXX XXXX  XXXX XXXX : XX/XX/XXXX & XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the numerous attempts I have made to correct a persistently late open account with your company. Despite my continuous efforts to address this matter, the issue remains unresolved, causing significant inconvenience and dissatisfaction.

I would like to bring to your attention the following instances where I have sought to rectify the late open account : Despite these repeated efforts on my part, the late open account issue persists, and I have yet to receive a satisfactory resolution. This situation has not only caused me considerable stress but has also adversely affected my perception of your company 's commitment to customer satisfaction.

I understand that mistakes can occur, and I am willing to work together to find a solution to this matter promptly. However, the lack of responsiveness and resolution is unacceptable. I kindly request that you investigate this matter thoroughly and provide a comprehensive response outlining the steps your company will take to rectify the late open account.

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including lodging a formal complaint with relevant consumer protection agencies and seeking legal advice. I am asking for your assistance to correct this late open account in my credit file : OFFICE OF THE ATTY GEN XXXX Balance : {$74000.00}.
Product: Checking or savings account

I filed a dispute with Citizens Bank on XX/XX/XXXX about 2 charges on my account about to items I didnt receive from the merchant. I contacted the merchant first and tried to get a resolution with them but since the shipping courier marked the item delivered they couldnt give me my money back. I told the company that I believe the courier stole my item and they took a picture of it and took it back. I told citizens I wanted to send documentation over to prove my case and they had denied it which is a violation because I should be able to submit documentation. I told the company I would chargeback. I told citizens back the company marked it off as delviered but it was never delivered to me so make the company prove they delivered to my exact address. They never took my advice and decided to run the investigation and my claim got denied and now Im trying to get my money back.
Product: Money transfer, virtual currency, or money service

There have been multiple counts where cash app has made unauthorized transactions on my account and when I try to get refunded I can never really speak to anyone. For example, recently i tried to dispute a transaction for a service that i didnt receive and in this case it was an uber ride. I spent {$20.00} on this ride but my ride was cancelled they charged me {$5.00} for cancellation fee when I never cancelled, then not only that when they cancelled they never refunded me the remainder of my money after the cancellation fee was applied. Ive sent in pictures and documents explaining my claim and reasons for wanting a refund and I still didnt get anywhere. The problem with this is that Im communicating with a robot and not a human to fully understand the problem. They also have held money for longer than expected and releases my money on there time. Like most employers have deadlines and time when they put time in and when it has to be submitted. For a whole year XXXX was getting paid from my job through cashapp and it always hit around the same time after XXXX XX/XX/XXXX. After a while XXXX started receiving my money later after XXXX which is very inconvenient being that I handle things during the day time not at night. Sometimes it would even come on Friday the regular day of payday instead of two days earlier like all other direct deposit.
Product: Credit reporting or other personal consumer reports

XXXX sold my debt to XXXX XXXX and I made all of the payments and paid this debt off completely on XX/XX/XXXX! XXXX is still reporting that I owe a balance of {$690.00} and is negatively impacting my credit! I am unable to buy a home because of this! XXXX reported this balance again this XX/XX/XXXX! The debt has been paid in full for over 4 months now and I am now going to rake legal action against XXXX if this balance isnt removed from my credit IMMEDIATELY! 

Experian has recipes numerous dispute letters as well as proof of debt being paid in full and still have not removed this inaccurate information from my credit report!
Product: Student loan

An agent approved me to use a credit card to pay off my students loan as long as it was paid off within 90 days. She stated the pay off amount would be honored for two weeks. I called one week later to give credit card info and the agent told me they were no longer accepting credit cards.
Product: Checking or savings account

I have called the bank Truist since XX/XX/XXXX. I made XXXX claims all denied and yet the merchant states that charged me its was a incorrect charge. The bank no matter what I do will not honor the refund. I sent in over XXXX letters and I call daily. I want my money back. The plane I was suppost to take canceled and the airlines issued me a refund back to my debit card I sent in all the paperwork to the bank disputing the charge. The bank says its a valid charge. I have the letter from the airlines showing where I was refunded avd the bank needs to located my funds and they cant seem to. Also they wont call the airlines and communicate with them to locate these lost funds.
Product: Credit reporting

I disputed XXXX negative items on my credit and XXXX of the items I only disputed the late payments on. Instead of investigating the late payments, TransUnion removed the entire account when that was NOT what I had asked for. In addition to that, when I asked for them to reinsert the accounts, my letters were ignored. This is my XXXX letter that i am sending them. Not only that but XXXX account was disputed in error on my end and they removed it. Once I let them know about the error, they did not reinsert the account and refused to respond to my correspondence or reinsert the item.
Product: Credit card or prepaid card

I have consistently made timely payments without any instances of being late.
Product: Checking or savings account

When I was about 14 years old, I made a poor decision. I misused checking account and it resulted in permanent closure of the checking account. I was unable to open a new account with Chase ever since. When I turned senior in high school, I started regretting about what I've done and I decided to pay back negative balance on my closed Chase checking account. They were still unable to open a new account so I decided to open new account with other banks. I've been responsibly taking good care of my bank accounts and credit ever since then. Now I'm XXXX now, almost XXXX years old, I want to do business with Chase again for my company and personal financial management and growth. So I decided to apply for new account and I got an error message saying I needed to visit Chase branch. So I went to branch next day and banker was unable to open a new account because system didn't allow him to. So he told me to call 1 800 number about this issue and so I did and customer service agent told me that branch manager was the only one that can override it. So I called the branch manager and she said she'd get back to me but she never did ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, TXXXX XXXX : # XXXX 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c Sections ( a ) ( 5 ) States that 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 USC 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

I found issues on my credit report that seem incorrect. I'm upset and believe your agency hasn't ensured the reported information is accurate as required
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have called and emailed XXXX requesting correct and fair credit reporting for my student loan. They have not done so for all 3 credit bureaus. This is preventing me from getting a mortgage.
Product: Money transfer, virtual currency, or money service

I am a pastor of the church, XXXX XXXX XXXX XXXX, a 501 ( c ) ( 3 ) nonprofit organization that receives donations through Cash App. Cash App aka Square Inc. has for the past two years reported income received from the church as if I received I personally. I recently received a notice that I personally owe over $ XXXX in taxes ( penalties to be assessed later ) on income I never received. I have tried for weeks to speak with someone at Cash App but they will only communicate via email. Bottom line is after begging to be routed to a supervisor who understands and read XXXX, writing to XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and providing documents proving that I did not receive this money from Cash App and uploading the same documents to a secure portal, and being told that a revised 1099 was uploaded to the Cash App portal ( it has not ), I have not received any resolution. I have been forced to file an extension with the IRS, hire an accountant and now I am searching for a tax attorney all because Cash App erroneously issued 1099s to me personally for income that was received by a tax exempt organization. All they have to do now is issued corrected 1099-Ks for XXXX and XXXX but they refuse to do it and because I am dealing with people who do not live in the US and have no idea what a 1099-K is, they won't address my issue. I have filed two previous CFPB complaints and Cash App claims they can not find my account, even though I provided detailed information and via email they have acknowledged they know exactly who I am. Here it is again : XXXX XXXX XXXX XXXX XXXX XXXX Cash App $ XXXX Address XXXX XXXX XXXX, XXXX, PA XXXX I have uploaded documentation proof to your secure portal as requested under CASE NUMBER XXXX and have received no response. I am now uploading those same documents here - this is irrefutable proof that the money was received by the tax exempt organization, not by me personally. Please provide a resolution and correct your tax reporting.
Product: Checking or savings account

I made an appointment to speak with a representative at Bank of American located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX TX XXXX at XXXX XXXX on XX/XX/year>. I was greeted by the branch manager XXXX XXXX last name unknown ) who directed me to XXXX XXXX XXXX. 
I was there to make changes to my beneficiaries to delete one name and add another. 
After verifying who I was with my Driver 's License and Debit card she proceeded to access my account. She took an exorbitant amount of time clicking through my account to the point where I had to interrupt her and ask what exactly she was doing in my account. She explained that she was authenticating who I was. I had given her all the documents she needed so I did not understand why the nosing around in my account was necessary. She then proceeded to pull up the screen that showed my beneficiaries, she turned the screen around for me to see when I noticed a name on my account I did not recognize. She then explained that it was a computer glitch in the system and assured me it would be taken off. I was not at all satisfied with that answer, so I ask to speak to the branch manager who came over and explain that indeed there is system glitch that's the reason this unknown person 's name appeared on my account. She also assured me once the forms are printed that unknown name will not be on the forms, nor will it appear on my account. I'm not at all happy with this excuse about the computer glitch and the name appearing on my account. I believe XXXX XXXX and the branch manage was trying to scam me. I would like a formal investigation as to the so-called computer glitch in the system and this foreign name appearing on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several months now, I have tried to dispute fraudulent items on my report directly with the bureaus and they continue to report fraudulent information on my report. Law states they have 4 days to block fraudulent accounts. I sent everything they asked for per phone call. I have proof of me sending correspondence to them because I sent them certified mail and I know they received them. They did not fix the errors on my report. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

US BANK HAS NEVER SENT ME STATEMENTS FOR AN CREDIT CARD ACCOUNT THAT I HAVE NEVER USED XXXX LIMIT THAT ONLY FEE WAS OWED WAS FOR REPLACEMENT CARD XXXX TO REPLACE THAT I NEVER RECEIVED WHEN I WAS APPROVED UPON FOR XXXX CREDIT LINE.. THEN THEY SEND ME AN BILL AFTER THE FACT I HAD PAID IT AND CHARING ME LATE FEES EVEN THOUGH PAID AND NEVER USED IT.. IN FACT I NEVER GOT ANY STATEMENTS SAID I WAS LATE WOULD CLEAR ISSUE BUT YET STILL ILLEGALLY PENALIZED ME BY LOWERING MY CREDIT LINE DOWN TO XXXX .. WAY ILLEGAL NEVER USED ACCOUNT TO WARRENT DROPPING MY CREDIT LINE..
Product: Money transfer, virtual currency, or money service

Transferred Etherium ( worth {$8000.00} ) ( cryptocurrency ) from one online exchange to coinbase on XX/XX/XXXX. Coinbase 's policy is to wait for 35 network confirmations for this transaction to complete. My transaction completed, and has been ready for 5 days, but coinbase has my funds as " pending '' and I can not access them to withdraw my savings. 

I have contacted " support '' dozens of times and only get canned automated responses and never can speak to a human. I don't think they have people actually working support. The emails are just the same text that are on the help section of their website. I can not speak to anyone over the phone because they don't have phone support for issues like mine.
Product: Student loan

Date Description Principal Interest Fees Total XXXX/XXXX/XXXX PAYMENT ( {$83.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX PAYMENT ( {$84.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX DISBURSEMENT {$1100.00} {$0.00} {$0.00} {$1100.00} XXXX/XXXX/XXXX PAYMENT ( {$78.00} ) ( {$140.00} ) {$0.00} ( {$220.00} ) XXXX/XXXX/XXXX PAYMENT ( {$28.00} ) ( {$71.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$18.00} ) ( {$81.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$38.00} ) ( {$190.00} ) {$0.00} ( {$230.00} ) XXXX/XXXX/XXXX PAYMENT {$0.00} ( {$71.00} ) {$0.00} ( {$71.00} ) XXXX/XXXX/XXXX CAPITALIZED INTEREST {$0.00} {$0.00} {$0.00} {$0.00} XXXX/XXXX/XXXX PAYMENT ( {$49.00} ) ( {$150.00} ) {$0.00} ( {$200.00} ) Total Current Balance : {$89000.00} Loan Current Balance Interest Rate Due Date XXXX DL Consolidated - Subsidized {$35000.00} 6.250 % XXXX/XXXX/XXXX XXXX DL Consolidated - Unsubsidized {$46000.00} 6.250 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$5100.00} 6.310 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$1100.00} 7.000 % XXXX/XXXX/XXXX
Product: Credit card or prepaid card

citi bank customer service supervisor XXXX very rude to me. I asked for she honor her promised me to match the offer XXXX bonus mileage back after XXXX spending on my Citi Busniess AAdvatange credit card. but she denied it to me.
Product: Credit reporting, credit repair services, 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 have 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 ) also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX, fl, XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/2024 ] Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Violation of Consumer Rights by Collection Agency Dear Sir/Madam, I am writing to formally lodge a complaint against a collection agency that I believe is in violation of my consumer rights under various federal regulations. 

I discovered that a collection account had been placed on my consumer report by Collection Agency. This agency has failed to provide valid information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this failure, they proceeded to report the collection account, causing significant harm to my credit report.

Furthermore, I have not been given a fair opportunity to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( l ). The collection agency 's actions have not only deprived me of my right to dispute the validity of the debt but also demonstrate their use of false, misleading, and deceptive practices in violation of consumer protection laws. 

It is my understanding that the collection agency had no authority to furnish any account to consumer reporting agencies without providing all disclosures required by law. Their actions are a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ). 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that the collection agency ceases its unlawful practices. Additionally, I seek the removal of the erroneous collection account from my consumer report and any other remedies that may be available under the law. 

Please find enclosed copies of my correspondence with the collection agency and any other relevant documentation supporting my complaint. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

I have been experiencing on going problems with Specialized loan Services since they took over my loan in XX/XX/XXXX they promptly over drew my account and withdrew payment at the same time that XXXX did. Specialized Loan Services then placed a block on me preventing me from making an electronic payment because my payment was returned. The payment was made to XXXX and Specialized Loan Services continued to call me harassing me for non payment and the payment was made. My XX/XX/XXXX payment was held and not credited to my account until XX/XX/XXXX even though it was received on time on XX/XX/XXXX they then reported a late payment to the credit bureau and charged me a late fee. I have called no less than 8 times trying to straighten this matter out and be able to pay my mortgage electronically and have been told that they can not correct the problem. I am tired of the poor customer service, harassing phone calls and late fees as well as damage to my credit report and they have only had my mortgage for 5 months. It is not a good indicator and the fact that they are allowed to operate in such a disturbing manner is alarming.