23daVinci/CFPB_Complaints huggingface dataset:
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 take timely and effective measures to prevent and address fraud on their app. leaving my account vulnerable ad 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 I seek appropriate redress for these violations.
Product: Credit card

When purchasing items through promotional deferred interest for 6 months and If I returned the item and received full refund/credit. The refund credit is applied as a general credit and does not cancel out the deferred interest balance plan, thus causing interest to be charged if the balance is not paid off in the specified period. 

Synchrony bank is charging interest on items that have been returned months later and not applying the refund back into the promotional balance thus not canceling the interest deferral
Product: Credit card or prepaid card

In XXXX I opened a XXXX XXXX card, there was a promotion at the time of opening the card and that was receive XXXX % off your first purchase. When I ordered the watch the rep charged me the full amount of the price of the XXXX. I have XXXX  over the last XXXX plus months to both XXXX XXXX and synchrony bank to have this resolved. Over the course of the time XXXX XXXX had said the credit had been issued but the bank keeps telling me they havent received anything from them to warrant the {$100.00} credit. I have a case number from XXXX XXXX that I have supplied to the bank and they are still refusing to issue the credit against my card. The case # XXXX. All the information is contained in that case number to justify issuing credit against my card. To date this still has not been fixed, it shouldnt take 5 months to resolve this issue and I need some help in getting this resolved please.
Product: Checking or savings account

My savings account was closed by BMO Alto. The bank has made it so hard for me to get back my savings. 
I have called the BMO Alto customer representatives to know the status of my funds, but they provide me with different information. 
I submitted proof of ownership of my XXXX XXXX  account ( the funding account to BMO Alto savings account ) numerous times including the last submission of my XXXX Statement on XXXX XXXX, XXXX, but BMO Alto has still refused to give me my funds back. 
BMO Alto wants me to make a claim with XXXX XXXX  in order to get my funds back yet, when I transferred the funds initially, it wasnt fraud since I was transferring money between my personal accounts. 
On the XXXX XXXX, XXXX, the representative told me that the account in question was closed on XXXX XX/XX/year> and that the funds were sent to me. I have only got {$24000.00} check and {$100.00} check from BMO Alto after submitting XXXX complaints on cfpb. 
The check of {$5900.00} has not been received ( As of XXXX XXXX, XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

on or about XX/XX/XXXX American express put on my credit report a charge off for {$4000.00} dollars i do not owe American express any money and i want this off my credit report and i had a XXXX credit score and this situation dropped my credit score down to XXXX so i am making this formal complaint of unfair business practice 's especially in theses difficult times i take pride in my credit and i feel there is malfeasant 's going on at AMERICAN EXPRESS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2020 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Credit Card Address : Number : XXXX Reason : This account is reporting inaccurate information on my credit report. There is different information reported to Transunion and XXXX. My XXXX Credit report list that XXXX XXXX was reported for XX/XX/XXXX however, my account is listed as 30 days late the following month. How was it verified that the account was 30 days late if the previous month reports XXXX XXXX reported? My XXXX report also reports that this account was charged off in XXXX of XXXX. It was reported to XXXX that I made a payment in XXXX of XXXX. There is also information being reported as 90 days late for XXXX months in a row which is not possible. This information is reported inaccurately and needs to be deleted off my credit report immediately. Once my request is completed, please send an updated copy of my credit report. Also, If late payments were in fact verified This law : I am writing to dispute the following information on my credit report. I recently reviewed my credit report and noticed inaccuracies and/or incomplete information and accounts that are inaccurate. According the Fair Credit Reporting Act Section 15 U.S Code 1681s-2 ( a ) ( 1 ) ( F ) - you are required to promptly report the credit obligation or account as current if the furnisher makes accommodation defined as an agreement to defer one or more payments or forbear any delinquent amounts. These reported late payments on the accounts listed above all fall in the covered period mentioned in FCRA 1681s-2 ( a ) ( 1 ) ( f ).

With that being said, I demand that all late payments reporting late on this account be updated to Paid as agreed, never late and the account be reported as current. If you neglect to update this information, I will promptly file a CFPB complaint
Product: Credit reporting

Trans Union refuses to properly report my former student loans from XXXX, which were discharged due to XXXX on XXXX XXXX 2016, as tpaid in full, closed, and XXXX balance. Trans Union previously reported by former XXXX loans correctly, only to revert them back twice. I want these former loans with Navient permanently reported as closed, PIF, and XXXX balance,
Product: Credit reporting or other personal consumer reports

Subject : Immediate Action Required : Unauthorized Credit Reporting Violation Dear CAPITAL ONE I am writing to address a serious issue regarding the unauthorized reporting of information to my credit report. This issue represents a clear violation of both federal and Texas state laws, specifically the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX, and Texas XXXX XXXX XXXX XXXX related to identity fraud. 

It has come to my attention that [ XXXX XXXX ] has reported information to my credit report without my explicit consent. Under the FCRA, specifically Sections 1681b ( a ) ( 2 ) and 1681c ( a ) ( 2 ), and Section 1681s-2 ( a ), it is unlawful for any entity to report information to a credit bureau without the consumer 's clear and informed consent.

Additionally, Texas state law mandates compliance with these regulations. The XXXX XXXX XXXX, Sections 392.301 and 392.305, requires that credit reporting be conducted only with the consumers consent and in accordance with fair reporting practices. Furthermore, XXXX  XXXX XXXX Section 32.51 criminalizes unauthorized access and misuse of personal information, highlighting the severity of this situation.

I have not authorized CAPITAL ONE to report any information to my credit report. The lack of consent is a direct violation of my rights and can adversely affect my credit profile and financial standing. 

I demand that CAPITAL ONE immediately cease any further reporting to my credit report without my explicit consent. This request is made under the FCRA and the XXXX XXXX XXXX, and I expect compliance within 30 days. Failure to comply will be considered willful noncompliance and could result in legal consequences under both federal and state laws, including identity fraud statutes. 

This is a formal demand for compliance with the legal requirements governing credit reporting. I expect prompt action to rectify this issue and to respect my rights under the applicable laws. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX free to adjust any specific details as needed!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence 1 provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

PMS is trying to collect I do not owe XXXXXXXX XXXX XXXX XXXX. my insurance needed to pay the bill and then the rest was paid by me as my deductible. I paid off the bill and do not owe anything to XXXX XXXX 's XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IA NOT A COPY AND PASTE I NEED MY CREDIT FIXED XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX TransUnion TransUnion Consumer Relations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding XXXX over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with XXXX XXXX. XXXX - Procedures in case of disputed accuracy, and XXXX XXXX. XXXX ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is XXXX  % correct and accurate.
Product: Mortgage

I have requested an adjustment on my escrow amount for property taxes. First, I asked the mortgage origination company representative XXXX XXXX to not escrow since I was making a substantial down payment. She told me it was too late in the process to change it but as soon as my mortgage got sold to a servicing company they would waive it. 

When I was notified that Roundpoint Mortage Servicing Corporation was now handling my mortgage, I contacted them and requested that escrow be waived. They told me I had to have one year of on-time payments before they would review it. I pointed out that my tax bill was {$520.00} and my current escrow amount is {$4300.00}. And, an additional {$330.00} would be added to my escrow balance each month with my payment. 

They said they didn't have the bill from the county. I emailed them a copy of it and contacted them again today. Now, they say they need eighteen months of on-time payments before they can review my escrow account. At that rate, they will have over ten times the amount of money in escrow that they need to pay my taxes. This is unethical to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX has report false, derogatory and defamatory information about me to the 3 credit Bureaus on accounts. fraudulently opened in my name by XXXX and XXXX, breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. XXXX Fraudulent account was deleted by XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I will also file a complaint with the XXXX and Attorney General Equifax and XXXX for not deleting these account. I will further pursue all of my legal remedy without further notice to Equifax and XXXX. I will further pursue all of my legal remedy without further notice to Equifax and XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Gramm Leach Bliley Act ( GLBA ) Privacy Act Violation. Notice. 15 USC 1692 K and 1640 Civil liability. Remove/delete from consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have old information XXXX XXXX XXXX, XXXX XXXX and 2 collections from XXXX XXXX XXXX and XXXX XXXX XXXX I never had these accounts ant XXXX XXXX I never heard of Im a XXXX XXXX XXXX. Im so busy busy and I cant keep account of my life. Please help me remove this old information and these negative accounts thats not mines XXXX XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX  XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXXXXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Real Estate Paid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Debt collection

I have reached out to the company XXXX XXXX XXXX several times i even sent certified mailed with my id proof of address and dispute letter along with ftc and police report that was received on XX/XX/XXXX according to when the slip was signed for acceptance I sent it by certified mail because first kept saying they didnt receive certain things basically giving me the run around but it was finally signed by XXXXXXXX XXXX XXXX XXXXXXXX XXXX I was told the collections would be removed due to identity theft however they didnt remove that was from the district they also are reporting two different balances one they are report for XXXX and each month adding interest then the other is XXXXwhich it should not be a balance that violates the and should be removed on those grounds according to The FCRA Protects You From Credit Report Errors Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. well I have submitted where I was staying during the time period multiple fta reports and police report and confirm my identity also XXXX XXXX has given me such a hard time for the past XXXX months and their website does not allow me to log on and dispute all the other credit bureaus have removed this item however XXXX is avoiding me and I spoke with ally XXXX XXXX from fraud special Handling and she was rude and hung up on me I would like the call monitored before doing so she also told me that the forms I sent by certified mail could not be combined with the forms from XXXX XXXX that I sent it by cfpb but they are the same company why cant you use the same documents.
Product: Mortgage

I 've been trying to work with Wells Fargo Bank on a loan modification on my primary residence located at XXXX XXXX XXXX in XXXX CA. I want to keep the home so I 've been trying to get this modification approved since XX/XX/XXXX ( please see attached letter from my attorney for the complete timeline ) and I have a had to start the process multiple times to have Wells asking for more, and more information. XX/XX/XXXX I started the process again, they keep doing the same thing ( see attached letters dated XX/XX/XXXX and XX/XX/XXXX ) asking for more information then telling me I was declined, then asking me to reapply again. During this time, Well Fargo 's been reporting me past due on my XXXX credit reports, which is their Home Preservation Specialists is who told me to stop paying my mortgage so they could look at processing a loan modification. 
This problem with Wells Fargo Bank over the past four years is now affecting my credit, which is causing problems with my business XXXX XXXX XXXX XXXX XXXX in getting the credit request it needs to stay in business. Please consider this issues as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent investigation requests to the credit bureaus ; asking them to correct errors on my credit report. THey were supposed to respond within 30 days, but have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/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

On my XXXX  report when applying for car insurance it has a history of an at fault accident when I was not the at fault party. I was the victim of a rear end hit and run. I called the police to the scene where they documented the issue. I noted the license plate number of the at fault party and provided the information to the police and my insurance company. This individual never responded to their inquiries. The accident being listed as my fault rather than a non-fault accident impacts the rates that I qualify for on vehicle insurance. It needs to be corrected and I have thus far had no luck in doing so.