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

The customer experience for this company is beyond awful. 

I tried to make a XXXX purchase and received an error when doing so. I went to the limits page to check and I was nowhere near the limits. 

The customer support person ignored me when I said this and sent a giant wall of text telling me where the limits page was. 

I then sent a screenshot to prove I hadnt hit the limit but they provided zero help and just closed the complaint. This happened with multiple customer service agents. It was terrible beyond belief.
Product: Checking or savings account

Yes I had mad a deposit the day before I was working I made a big deposit for XXXX $ dollars on XX/XX/2023 and on my way to work I stopped for breakfast at XXXX and I spent {$10.00} on XXXX the XXXX XXXX my card was lost apparently when I contacted the bank I noticed all of my money was out of my account but I didnt notice until the next morning I tried to get breakfast again so while at work I contacted the bank ant let them now I lost my card and that there was a unauthorized charge made on my account while I was at work for {$5800.00} at a placed called XXXX XXXX XXXX XXXX I was work with bank to get this resolved they said I was gone XXXX a credit but ended up not getting a credit and no reason why Im just very frustrated that {$6000.00} dollars is just gone so yea im filing complaint be this is not right thats places when I called is like a hour and 15 min from where I stay
Product: Mortgage

I received a denied letter from Bank of America Home Loans stating they my gross income was less then what I gave them as proof of gross income. I sent a letter requesting a re-evaluation and my bank manager tells me I have to submit a who new request due to change in circumstances when I already submitted the proof of income increase while they were in the collection of documents stage to verify income. I was requested to send in bank statements, letters and other documents to prove income but never told I had to submit a new RMA for the increased income. Now after the denial, the bank is stating it's my fault for not putting the increased income but the bank never processed the request sent in XXXX and the increasing income was approved in XXXX to begin in 2019. All of this paperwork was submitted to the bank before it went to underwriter and I had filed several other complaints stating they keep requesting documents from me that have been submitted and now they are saying they never had this information and I need to submit a new form and they will not re-evaluate my loan modification request because it's not a bank error when it is. My bank case manager for my loan never asked me to fill out a new RMA form for the increased income but asked for proof of the increased income so why would I not think they would be using it in the evaluation? The bank doesn't deal fairly with people when requesting information and how they process the information sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of iden tity theft. In 2014 some  one used my information to open a phone account with   XXXX   XXXX  . I disputed the balance with one of the credit bureos and got it successfully over turned. I was unable to file a dispute on the other bureos regarding the fraudulant balance due to " online issues ''. The other problem is that there is an address tied to my  credit score  that is not mine. (  XXXX  tenessee ) i currently riside at  XXXX   XXXX   XXXX .  XXXX   or,   XXXX . The other address was fraudulently submitted and needs to be removed for fear of more info being stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Debt collection

Lendmark Financial Services has filed a suit against me and I have received a WRIT of Summons to appear in court on XX/XX/2023 XX/XX/2023. I have attempted to settle this matter personally with no luck. This company has violated a number of my Consumer Rights. Without the signatures of all parties involved and without proper disclosures of my XXXX XXXX XXXX in accordance with the Federal Truth in Lending Act the legally binding contract is null and void. Lendmark has also hired a XXXX XXXX XXXX XXXX XXXX, XXXX to assist in the collection efforts of this alleged debt. This law firm has contacted me via mail and phone calls attempting to collect on this alleged debt with out my consent which is a violation of my rights to privacy. I did not consent to a third party having my information. The FDCPA is clear about the lawful actions that can be taken by a debt collector and this company has blatantly disregarded those regulations. With XXXX different companies contacting me about the same alleged debt I am confused about who is the debt collector and who is the original creditor. Lendmark has also reported false negative information to the Credit Reporting agencies. Defaming my Character and Ruining my reputation. 

15 USC 1692e False and Misleading Representation states ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

15 USC 1692i Legal Actions by debt collectors states Authorization of actions ( b ) Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. 

15 USC 1692j Furnishing Certain Deceptive Forms states ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit card or prepaid card

This is an issue with XXXX XXXXXXXX XXXX XXXXXXXX Credit Card. 

I signed up for a promo that gave me one year to pay off purchases interest free. 

I use the online banking interface to manage my account. Nowhere in the online banking interface did they give me access to the exact dates and amounts that needed to be paid off. 

I've repeatedly asked them to send me a summary of how they applied my monthly payments, but they will not. 

I've accrued over {$1000.00} in interest charges this past month, even though I've paid enough to pay off the promo charges, but they won't provide the details of why they are charging me the interest. I've repeatedly spoken to managers/supervisors and they are rude and unhelpful. 

I am definitely going to cancel my card forever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed on my credit reports and even contacted the original creditor and I was informed it was done online but couldn't give me any information on a fraudulent online payday loan from speedy cash
Product: Credit reporting or other personal consumer reports

This Complaint is specifically with the Consumer Report Agency named Experian headquartered at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, United States. 

The 3 main problems are I am unable to get access to my Experian credit score or credit report, there is incorrect information on my credit report, I am unable to correct or dispute. Along with that and I unable to ensure if my credit information is being used improperly by this agency. This is causing a significant impact on my life being able to improve my credit report and ensure information being used or shared is correct in being used properly. 

My COMPLAINT, I can not access this information because I am unable to reset my Experian login to access my Experian account. I am unable to reset my password because I do not have access to the same phone number I used to create that account, and phone number is need to reset for Experian. I've called XXXX & XXXX from there website, they will not speak to an individual to help reset login information and the automated system advises to send a letter with copies of documents to prove identity to XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, TX XXXX which I have 2 times now and Experian has not responded either time. I am in the process of sending my 3rd certified letter requesting the reset and wanted to file this complaint 1st to send with the letter. This is unacceptable for a company to compile my credit information and share this information when inquired, that I can not access to ensure is correct and not to mention I never gave Experian the authority to do so on my behalf in the first place. 

This should not be such an issue to do something as simple as resetting login information, especially with the repercussion of incorrect credit information these days
Product: Credit card

In XX/XX/XXXX, I opened a XXXX Account. In XXXX XXXX, the balance left on this XXXX Account was included in a bankruptcy. I checked my credit today XXXX/XXXX/XXXX and found that XXXX or its credit reporting agency had adjusted the open date of the account from XX/XX/XXXX to XX/XX/XXXX so that the negative information could stay on my credit history. This information should have come off when the bankruptcy came off of my credit report in XXXX XXXX. 

The credit reporting agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several hard inquiries that I did not recognize or authorize. These false inquiries appeared on both TransUnion and XXXX reports and included entries from various banks, auto dealerships, and finance companies. It seems that these inquiries were either the result of clerical errors or potentially unauthorized attempts to access my credit information, possibly indicating identity theft. 

I did not apply for credit with these institutions, nor did I seek any new auto financing around the time these inquiries were made. To address this issue, I have contacted the creditors involved to verify the legitimacy of these inquiries. I am also in the process of disputing the unauthorized inquiries with the credit bureaus to have them removed from my report. Additionally, I have placed a fraud alert on my credit files to protect against any further unauthorized activity and am closely monitoring my credit reports for any other discrepancies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Timely payments have always been maintained on this account, and they have never been late. I am puzzled by the late payment remarks reported on my accounts. Per 15 USC 1666b, the billing error should be addressed.
Product: Debt collection

To Whom it May Concern i am tired of being harrassed by debt collectors I XXXX XXXX consumer, and natural person am aware of all the rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ) The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Section 602A States I have the right to privacy. The Fair Credit Reporting Act ( FCRA ), also known as Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). These agencies compile reports on individuals for various entities, including credit card companies, banks, employers, landlords, and others. The FCRA forms the foundation of consumer rights law in the United States, alongside the Fair Debt Collection Practices Act ( FDCPA ). It aims to protect consumers from the inclusion of erroneous data in their credit reports. Key provisions of the FCRA include regulations on collecting, disseminating, and using consumer information, particularly related to credit history. FCRA Section 623 ( a ) ( 1 ) ( C ) outlines the responsibilities of furnishers of information to consumer reporting agencies ( CRAs ). Let me break it down : 1. Duty of Furnishers of Information to Provide Accurate Information : Prohibition : 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. Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if : The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. The person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate. The information is, in fact, inaccurate. No address requirement : If a person clearly and conspicuously specifies an address for notices related to inaccuracies, they are not subject to the abovementioned prohibition. However, selecting such an address is not mandatory. 2. Prohibition : 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: Debt collection

I checked my credit report and for my surprise was 12 accounts with this company, never answer my notification, Never got any collections letters not even 1 letter, If they do please I need contact the company who sent the letter, is unfair if you dont have the option to dispute or paid before reach the 30 days mandatory.
Product: Credit reporting

I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. XXXX I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the XXXX check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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 information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete From My CREDIT REPORT 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Delete From My CREDIT REPORT 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681a2 I did not give written or verbal permission to have these accounts furnished on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received initial call on XX/XX/XXXX and a subsequent text message on XX/XX/XXXX. Not once did the company disclose that theyre a collection agency. Looked up information and found out it is an old personal loan from XXXX. Received several calls afterwards regarding the same account. On XX/XX/XXXX, I received a voicemail that stated it was a final call and based on my public record, I needed to take care of this matter. Knowing it was a debt that was no longer collectible in my state, I called the company and spoke with XXXX. I advised her that it is a debt that is over XXXX years old and therefore is not collectible. I also advised I would be contacting an attorney regarding this obvious violation. She then states if I can afford an attorney then I can pay the debt and hung up the phone. The company is Direct Recovery Services.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Provide Accurate Information Regarding Account Investigation Dear Experian Credit Union, I am writing to express my concern about an unresolved issue regarding briefly describe the account deleted on my credit report that was later reassigned a new account number. I have requested an investigation into this matter, but your office has failed to provide accurate and sufficient information to address my concerns. 

Here is the issue in detail : The account in question was previously deleted because it was reflecting the same account number twice. Then it was reinserted back with a different account number. After I was disputing it for about two years. The number of the Account got changed. 

I would like a clear explanation as to why this change occurred and what prompted this reassignment. The account number XXXX XXXX showing here in the past show XXXX balance I never owned anything on that account number. then a replica account appears with a different account number After I been disputing this for about 2 years which is this the new account that appear. XXXX Account XXXX I personally dont think thats a resolution to my request investigation. 
Despite my previous request for an investigation, I have not received any meaningful or accurate response to explain this situation. This lack of transparency is unacceptable and does not align with your obligation to provide clear and accurate information to consumers. 

I am requesting that you immediately : 1. Re-investigate this matter to determine why the account number was changed after deletion.

2. Provide a detailed and accurate explanation of the findings of your investigation. 

For your reference, I am attaching the following documents to support my request : Please acknowledge receipt of this letter and provide me with a response detailing the results of your investigation within [ reasonable timeframe, Should you fail to address this matter I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) or consider other appropriate actions. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Im confused and stressed  and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3  major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.