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

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I took a taxi in XXXX, XXXX from XXXX de XXXX XXXX to my hotel, the XXXX XXXX XXXX. I paid with my Chase XXXX credit card. The charge on the receipt that was provided to me at the conclusion of the ride was in the amount of XXXXXXXX XXXX. The amount charged on the statement was XXXX XXXX. Believing this to be an error ( it seemed the merchant had erroneously added a digit to the charged amount ), I disputed the charge with Chase, and provided Chase with a copy of the receipt. The merchant ( the taxi service ) apparently provided Chase with a fraudulent receipt reflecting the fraudulent amount of XXXXXXXX XXXX. Note that the signature on the fraudulent receipt is not mine, and that I was not asked to sign a receipt. Chase denied the dispute, claiming that the fraudulent charge was valid. Of note, the same credit card was used to pay for the flight and the hotel. It is verifiable that it was impossible during that time to take a taxi ride long enough to incur a charge of XXXX XXXX The correct charge was XXXXXXXX XXXX and that is what is reflected on the receipt provided to me by the taxi, and that I provided to Chase.
Product: Credit reporting or other personal consumer reports

I have disputed the XXXX XXXX XXXX XXXX account against Equifax, they are falsely stating the date of the last payment, they are also not providing the date of the first delinquency. That report is not complete, they must investigate and not just repeat what the collection agency tells them. I ask that they be removed from my report until the information is clarified. If the collection agency does not send the information, I am not obligated to pay, precisely because the information is not correct.
Product: Credit card

On XX/XX/XXXX, I applied and received a Capital One credit card. When I applied I requested paperless statements. On my records the card had an 18-month no interest grace period. 
XX/XX/XXXX the card charged interest. Upon calling, it came to my attention that the company could not find the original terms and did not provide them to me. The company agreed to waive the interest for that month and find and send the terms. I just received the letter -- it has NO indication of the grace period and no mention of any terms. It looks like a regular account of their fees and other practices. 
I 'm at a loss as to how to proceed.
Product: Credit card or prepaid card

DISCRIMINATION AND HARASSMENT BY PNC CREDIT CARD SERVICES 1. I posted an on-time payment on XX/XX/XXXX per billing cycle date, of {$300.00} 2. The card was declined today around XXXX XXXX EST, for a {$110.00} charge, approx 3. I called PNC card services at XXXX XXXX   approx & was informed that the system showed a wrong bank account # was used to make the XX/XX/XXXX payment, with an account # ending in XXXX, whereas the account is stored in PNC 's pay by phone automated system, with no manual entry of a bank account being required or made, for the {$300.00} payment. 

4. PNC 's system reflects an on -time payment for the {$300.00} due, as made by me on XX/XX/XXXX. 
recording the on time payment of {$300.00}, PNC being unable to process the payment and charging me a late fee of {$27.00}, with the Customer Rep 5. XXXX XXXX - Retail Escalation Manager -  refused the reversal of the late fee of {$27.00}. 

6. Interest rate APR was also increased without prior notification. In XX/XX/XXXX the APR on purchases was 17.99 % & was increased in XXXX to 18.24 %, whereas Fed Prime rate has stayed the same at 5.5 % from XXXX XXXX XXXX, currently LOWERED to a rate of 5.25 %. 


SUMMARY : PNC Bank utilized intimidation, discrimination and Harassment to violate my Consumer Rights, in blocking my use of my PNC Visa Card AND Blocking Access to my Transaction Records, Online AND by phone. 

Remedy : - Reinstate FULL Account Access, Refund the Late fee of {$27.00}, and Reduce the APR to the 14.75 % that I originally had, when rates were HIGHER thank they are now. 

**** I have EVIDENCE of the statement above, with screen shots of the on time payment, late fee and blocked access to transaction records. 


I, XXXX XXXX, certify the above statement to be true and as occurred. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX Account XXXX ss XXXX XXXX   ATM dispute. 
At XXXX, on XX/XX/2020, I attempted to deposit {$730.00}, cash, into ATM number XXXX on XXXX  XXXX XXXX and XXXX XXXX XXXX 

The machine immediately started making a lot of noises prompting me to immediately push the button to return my cash. However, instead of my money, it spit out a reciept that stated " we are unable to process your request and can not return your items. '' I instantly contacted the number ( XXXX ) listed on the receipt and I was able to pull of the machine XXXX dollarsof my money now I stand falsely assured that my money would be credited to my account. 

I am horrified and dismayed that after more than 2 months, I am now being notified that I stand to lose {$400.00}, because of a machine error. The cameras should reflect that no money was ever returned to me. Furthermore, if this is a common occurrence, a notice should be posted " deposits made at your own risk. '' It is imperative that the {$400.00} be IMMEDIATELY credited to my account, as I need it to pay for my mother 's XXXX home and as of right now, the account is in the red because of the error. I have call the company many times and they stand on their decision. This money is needed to paid for my mother 's XXXX home. 

I expect a call as soon as possible to rectify this situation. 

Respectively, XXXX XXXX
Product: Checking or savings account

I had an account with netspend the account had a total of {$1000.00} they closed the account and I never received my money in that account they refuse to send a check to the correct address they never answer the phone when you ask for a boss and the phone hangs up and I am left in a repeating cycle.
Product: Debt collection

Today XX/XX/2018 I received a letter from XXXX XXXX XXXX demanding that I pay a fraudulent " balance due '' of {$310.00}. The letter references an acct No. XXXX and is addressed to me at my home address. I have never gotten any loan nor had any contact or dealings with XXXX XXXX XXXX or any other outfit for a loan of any kind. This is fraud. 
When I called the Customer Assistance dept and spoke to XXXX, the first thing he demanded of me was my SSA # and my Date of Birth : the very things a thief would use to make a fraudulent claim! He said that he " could not find me in the system '' under my name and the Account number above. He admitted that his company had generated the letter, but said he could not help me at all unless I gave him a bunch of personal financial information as noted. Then he transferred me to his Supervisor, XXXX XXXX, who repeated exactly the same thing.
Product: Credit reporting

I used the site - XXXX. After providing all the info, it stated that I already received my free credit report. However, I never have received one nor requested one.. **I got a letter from XXXX XXXX telling me the * Notice of Data Breach* so I was ordering my XXXX of XXXX free credit reports. ****Please check into this immediately. I did not order one before. Could this be connected to the fraud? ****thanks, **XXXX XXXX I tried calling the telephone line but no answer and i tried to submit the above problem and it would not accept my info - it stated that there is an error??????
Product: Credit reporting or other personal consumer reports

Attached is a police report and other documents for Chex Systems and XXXX XXXX XXXX to immediately review in regards to my consumer reports.
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  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : 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

To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX XXXX my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan. 
Thank you for your time. 

Below is an email from the loan officer at XXXX XXXX XXXX XXXX. 
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it. 

I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the  courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, DPT EDXXXX # XXXXXXXX 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

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX Balance Owed : {$470.00} XXXX XXXX Balance Owed : {$620.00} XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX  XXXX Balance Owed : {$600.00}
Product: Credit reporting or other personal consumer reports

I was looking at my report and notice there some things that was not correct.I sent a letter to experian on XX/XX/ here is the tracking number XXXX XXXX XXXX XXXX XXXX But it has been more than 35 days since since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) A ) Subject to to subsection ( f ) and expect as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 deleted the item from the file in accordance with paragraph ( 5 ), before the end of the of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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 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 Relation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 those account 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 XXXX 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

My name is XXXX XXXX ( XXXX ), and I have 4 loans with XXXX XXXX XXXX. XX/XX/year> loan payments were all made on XX/XX/XXXX XXXX then at the end of the month on XX/XX/XXXX Sunday I received a letter from this loan company infoming me that loan # XXXX ws past due. This letter was dated XX/XX/year>, and it took over 10 days to arrive and nobody called me nor emailed me before this letter. It was Sunday and I called XXXX next day on Monday and paid the full payment of {$1500.00} plus the late charge of {$77.00}. I didn't no why this particular payment did not go through, thought the info in the portal was not changed. I was assured that this would not negatively impact my credit score becaused it was paid within the same month of XXXX. 

My credit score was at around XXXX then, an today I noticed my credit score drop XXXX points to around XXXX due to " serious delinquent in payments ''. This was the only late payment incident and I would like to dispute such delinquent payments claim and get them removed from my credit report. 

thank you very much for your great help XXXX XXXX
Product: Checking or savings account

Two transactions were made on XX/XX/XXXX and XX/XX/XXXX in my chime account for {$1500.00} and {$520.00} at XXXX XXXX XXXX. I have filed a police report and hired a lawyer. I did not make these transactions and spoken with the store and chime my financial institution I chose. I never thought this would happen to me I keep all of my information protected. And I have no one to help me fight to get my money back please help.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX XXXX, and I am writing this statement on my behalf. Per 15 USC Code 1681-2 ( a ) ( 1 ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my credit reports as they violate my rights as a federally protected consumer. According to the federal codes listed above, they summarize that it is non-permissible for a creditor to report anything under any circumstances, without my written consent or instructions. No consent constitutes identity theft. As a federally protected consumer, I am exercising my rights, and I am demanding the deletion and removal of all the listed accounts Immediately
Product: Mortgage

I purchased a home on XX/XX/2020 through XXXX XXXX  XXXX. A couple weeks later I received a welcome letter from Loancare/XXXX  XXXX XXXX stating my loan was transferring to Loancare. I subsequently received a statement from Loancare for a XXXX payment ; attached. On XX/XX/2020 I paid Loancare {$2100.00} through XXXX XXXX  bill pay. I later received a statement from XXXX XXXX XXXX for XXXX and XXXX ; after making some calls to Loancare and XXXX XXXX XXXX I learned that XXXX XXXX XXXX never transferred my loan to Loancare. I contacted Loancare several times and no one was able to find any record of me, my account or payment even though I had received a statement from them. I was able to get an email where I could send my inquiry. I then emailed Loancare and provided the welcome letter, XXXX statement, bank statement and ACH trace #. Loancare responded that I needed to provide my full bank statement and a proof of payment confirmation letter, which according to XXXX XXXX  is not something that actually exists.They also immediately closed my ticket without waiting to get any kind of resolution to the issue. I called XXXX XXXX  and they were able to email some proof of payment to Loancare with a reference to my ticket number but wouldn't send it to me. I sent a separate email to Loancare to confirm they received the email from my bank and they responded that they couldn't find me in their system and closed my ticket again without waiting to actually get a resolution. I don't know how they were able to issue a statement and now cant find any record of me and are unwilling to assist in returning this money.