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

On XX/XX/XXXX, Affirm was notified via email regarding circumstances beyond my control. From XX/XX/XXXX to XX/XX/XXXX, I was hospitalized due to XXXX XXXX XXXX XXXX that resulted in worsening medical conditions that began to harm my XXXX XXXX conditions. I was literally in XXXX multiple times fighting for my life. During this time, I did not have any access to my cellular phone nor did I have communication with anyone except immediate family. Affirms CEO, XXXX, was made aware of this, and instead of reading my email to understand the circumstances beyond my control, he forwarded the email to a customer service supervisor at his company, and denied the request for a good faith removal of a delinquent payment on my personal credit report. Per the wording of the message received on XX/XX/XXXX, We completely understand when circumstances are out of your control and you may be late on a payment. However, please understand that Affirm has a regulatory obligation to report accurate information to the credit bureau and can only change reporting when an inaccuracy is identified. If I wouldve XXXX in the hospital, I am curious as to how Affirm wouldve been able to collect the remaining funds for my account? The insensitivity is beyond disgusting, as it appears that they think someone is supposed to continue life as normal and pay bills while fighting for their life?? Is this what the world has come to now? Is their CEO that greedy that he cant even remove a delinquency due to circumstances beyond someones control? Ive literally been an on time paying customer FOR YEARS, and never had a PROBLEM PAYING LATE until I WAS HOSPITALIZED!!! All of the accounts were paid on the day of my release, yet I still received harassing phone calls from Affirm ; I had to advise the collections department to refresh their screen and review my account for accuracy. All I received was, Im sorry maam. but in my case, its not good enough. I am requesting a second review and REMOVAL of the delinquency payment since ALL accounts were made current on or before the 30th day or legal action WILL be pursued. 

Disclaimer : DUE TO PUBLIC INTERNET FORM, PRIVACY LAWS, & HIPPA, DOCUMENTATION WILL NOT BE SUBMITTED.
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 violates Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further more their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud Transfer Act ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alaska Commission on Postsecondary Education # XXXX, # XXXX, # XXXX, and # XXXX is reporting lates during the months I was on XXXX XXXX for the XXXX. I did not get back from XXXX XXXX until XX/XX/2019. According to the SSCRA ( Soldiers and Sailors Civil Release Act ) these accounts should have been deferred and I should have no lates on them.
Product: Vehicle loan or lease

I am writing about my account with Nissan Motor Account # XXXX. I attempted to reach out to Nissan to resolve this matter. I am requesting the original lease agreement which I signed. I would also like the full payment history for the duration on the lease since I believe some inaccuracies are reporting.
Product: Debt collection

Van ru is not telling you what they really are doing. I have been lied to about my agreements with them stating that if i pay certain amount i will have my debt taken out of default then when the time came i was told oh no you have to now pay a different amount in a another consecutive time period, etc ... please just investigate or you can even google van ru scam and read about peoples reviews and experience with the companies
Product: Consumer Loan

I called and emailed Wells Fargo Several times asking them to send me via mail or email a statement I started this in XXXX of 2015. Each time I called them I paid exactly what they asked me to pay and reiterated that I was NOT receiving a statement of the account. I went to use the card at XXXX XXXX in XXXX OH and was told that the account was locked. I called Wells FArgo, paid off the baLANCE AND CANCELED THE CARD. i DID NOTHING WRONG IN THIS SCENARIO
Product: Credit card or prepaid card

Hello CFPB, My name is XXXX XXXX. On XXXX XXXX I went to XXXX -- all products -- credit cards -- See if youre pre-approved before you apply. 

Please see the link for pre-approval Discover card. 

XXXX : XXXX? XXXX I was approved XXXX times with the following text : Congrats XXXX XXXX, you XXXX XXXX for these cards : XXXX XXXX Card and XXXX XXXX XXXX. I decided to go for XXXX XXXX which was 14 month XXXX apr. After I was done with my application I received the following text : " Call pre-approve now.You are almost done. Thank you for your application. We just need a few more minutes of your time. We can help you complete your application quickly. XXXX support is available ''. 
I called and they were super nice. I thought it was the proper way for verification not to go through a new applications. A representative today told me the pre-approval system was down on Thursday-weekend and told me to reapply using the pre-approval again and for the next XXXX times was the same text. A they keep telling me XXXX hours stating that Th Pre-Approval system has been down and they dont even see my completed application last rep I spoke with told me he will forward it to the supervisor and to wait XXXX more hours. after many days and several hard inquires i found that I was denied because a change in my credit report. Nothing changed in my repot, all my credit cards are reported that paid to " XXXX ''. 

I am asking CFPB that the inquires to be removed from my credit report given that it was done under the false pretense that I was " pre-approved ''. I would not, under any circumstances, have applied for this card had it not used text that led me to believe I was already approved. My request is that XXXX to remove any hard inquires that did on my credit reports between XXXX XXXX XXXX XXXX. 

I will NOT accept the hard inquiry being on my report when they gave me false hope that I would not be denied. 
Respectfully, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to equifax in regards to inquiries that are appearing on my report that I did not authorize. I received a letter in the mail that told me I needed to reach out to the companies directly. This bureau is illegally reporting inquiries that are not factual or authorized. With all of the breeches that have taken place within this bureau I dont think it is fair to tell everyone that they should reach out to companies. I want those inquiries removed.
Product: Money transfer, virtual currency, or money service

Fell victim to a scam through Bitcoin Depot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two serious complaints against Transunion. Both are about legal issues and possibly violate civil and criminal law and are not directly tied to a credit report. 
i was given a phone number by CS rep. to calll XXXX. No one ever answers and goes automatically to voice mail. I have left 3 messages for them to call me since Monday, but no calls were returned. 

These are serious issues that are not being able to be handled by CS reps. and they said to call. 
I don't want to expose Transunion to this complaint forum now, I just wish to talk to management - someone beyond doing just credit reports.
Product: Credit reporting or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account NumbeXXXX XXXX XXXX  Delete this account. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX  Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

i recently reviewe a copy of my credit report and notice i had fraudulent accounts on report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Mortgage

I had to file a Home Owners claim for Hail Damage, the Insurance company as issued a check in the amount of 25,000.00, which I brought to my Branch in XXXX Tx on Tuesday XX/XX/XXXX, the branch told me to bring the check in to be endorsed and deposited, when I arrived at the branch they then told me that I had to mail the check in, I followed all instructions as provided, I was told once check waqs received it would take 3 day to cleared, once erwork was received a portion of the money would be released, check was received on XX/XX/XXXX and cleared XX/XX/XXXX / XXXX ..I have called everyday about this portion of money and when it would be released, every time I call I get a different answer from the wells fargo representative I find this to be a Regulatory violation because the information I have been receiving has been incorrect and FALSE and as of Today XX/XX/XXXX the 1st portion of the Money has yet to be released. 
I have spoken to 3 representatives today ( on Wells Fargo Recorded lines ) alone XXXX XXXX XXXX / XXXX XXXX XXXX and XXXX @ XXXX then a supervisor which all had different info regarding my Money. 
I would like a straight answer why my money is being held up or I will be contacting a Lawyer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX  provided incomplete and improper information in their XXXX application which lead to to my account being put in default ( over a {$3.00} charge ) due to the fact that the application listed no balance on the account. 

What was not apparent ( and in no way visible using their XXXX application, which is the primary way I interacted with XXXX XXXX ) was that they were calculating interest AFTER the amount shown as the total amount due, but NEVER UPDATING the amount due on the app. 

So, the user would see a XXXX balance, even though they were calculating a small amount of interest ( XXXX XXXXXXXX {$3.00} ) and applying it to the account. 

How can you possibly pay an amount when you don't know what the amount is, and the amount due is shown as XXXX? 

This ( in my opinion borderline fraudulent ) practice, led my personal credit score to decrease by about XXXX points. 

Over {$2.00}!!! 

The bank was completely unapologetic regarding their application ( in fact their representative said during a presumably recorded phone call that the app does not provide the full information regarding the account status ) failure to provide complete information. 

I have since closed my accounts with XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; Account # XXXX has violated my rights. 
15 USC 1681 section 602a : States, I have rights to privacy.

15 USC 1681b : Also states a consumer reporting agency can not furnish an account without my written instructions.

This collections account is in direct violation of 15 USC 1692g, 15 USC 1692c, 15 USC 1692j, 15 USC 1681a ( 3 ), 15 USC 1681a ( 2 ) ( b ), 2021 IRS Publication 468, 15 USC 1681n, 15 USC 1681o, and 15 USC 1681e. Take this off my report immediately.
Product: Checking or savings account

I went to the ATM at the PNC branch on Monday XX/XX/2023. Around XXXX and pulled into the atm to cash my pay check like I normally do. My state cleaning job doesnt offer direct deposit! I wish! Im only paid once a month. Well the atm ATE MY CHECK! The screen froze and it spit my debit card out. I immediately went inside the branch which is PNC in XXXX, KY. I told the lady what happened after 30 minutes of her trying to get me some help I was told it could be TWO WEEKS OR LONGER before I could receive my funds!!! RIDICULOUS! I have bills due NOW! My electric will be shut off my internet my phone my kids need to eat!!! I told the lady the same and asked how will my kids eat and all she could say was she apologized and there was nothing else they could do! Ive called the XXXX number with lies saying my account could be credited within XXXX hours now today they tell me NOPE itll be TWO WEEKS or longer after they investigate!!! I mean Im ON CAMERA OBVIOUSLY DEPOSITING MY CHECK!! I need my funds NOW! I cant even drive to work without gas!!!!!!!!!!! They shouldve at least credited my account with some sort of advancement but NOPE! This is unfair treatment! And I will be switching after this! How dare they tell me I cant have my money when their machine failed to work correctly! I AM LIVID AND MY KIDS ARE HUNGRY! So what do I do? This must be why people do criminal things! I just want whats MINE! Please please please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of XXXX issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXX XXXX. XXXX XXXX XXXXXXXX XXXX *REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO AN OPEN ACCOUNT IMMEDIATELY!
Product: Checking or savings account

They locked my account after attempting to withdraw funds I deposited. Please help me get my account unlocked so I can deposit and withdraw funds again.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date Of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an Telecommunications/cellular at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) a bank account opened at XXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ) an XXXX account opened at XXXX ( XXXX XXXX XXXX ) under the account number XXXX XXXX ) and a account derogatory account last reported XX/XX/XXXX at XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX account number XXXX XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I will also list hard inquiries, addresses, and names in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 

Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

That account was already solved. I spoke to the main company that sent me to collections, i already settled it it was a unfair confusion that was stated during documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax to cease using my information
Product: Debt collection

Good evening, I had purchased an internet service from XXXX when I was living in XXXX, NV by monthly subscription. My subscription fee at the time was due on the XXXX day of every month. Before I moved out from XXXX, I went to a XXXX  location ( XXXX XXXX XXXX, XXXX NV ) on XX/XX/XXXX to cancel my service and returned their equipment. From XXXX and XXXX of this year, XXXX has continued to charged me for the monthly service fee even after I had canceled their internet service. I talked to their representative and she was adamant and demanded for me to pay the services that I didn't use/need. In XXXX of this year, I started receiving calls and texts from Sunrise debt collector on weekdays multiple times a day and on weekends and they also would text me non stop about the debt that I allegedly acrued from XXXX. Sunrise would contact me everyday using different numbers and everytime I answer, I could only here an automated response and prompts and the options would not let me speak to their representative. 

Sunrise Collection Agency numbers that they have used to harrass me daily : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Funded my Robinhood account on XX/XX/XXXX with a debit card transfer, and immediately purchased crypto with it. Robinhood places a restriction on my account the same night, requiring identity verification AND multiple bank statements related to my connected debit cards to the account. XXXX promised to finish reviewing by XX/XX/XXXX initially when I submitted required docs and now the actual review by date is pushed back a day every night. This is frustrating as the crypto market is extremely volatile, and I am losing my funds since I am not given the option to withdraw. 

I am fully confident that all my transactions are valid, and this review hurts the legitimacy of Robinhoods back end team. I will have to chargeback if my funds are not released soon.