23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Money Network abruptly placed a hold on my account for a reason I'm not clear on and will not help me with getting it back up and going. I was told to show receipts for specific transactions made using the debit card, which I did, but this resulted in nothing. I have not been able to get help from the customer service representative for over a week but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Money Network quite frequently. This account is used to pay my bills so I need the hold removed immediately. My email linked to my Money Network account is XXXX.
Product: Vehicle loan or lease

I checked my account balance on XX/XX/19 and my total payoff amount was {$6500.00}. Then I checked it again today and the balance went up to {$6500.00}. This is infuriating. I feel this is criminal activity and I demand to know what is going on. By the way I also just made my payment today as well XX/XX/19. I emailed XXXX XXXX XXXX to find out what is going on and have not heard back. These people are crooks and they will do anything and everything to get your money. They have no problem partaking in illegal activity it seems. BUYER BEWARE ... ..DO NOT FINANCE THROUGH XXXX XXXX XXXX ... ..AKA ( WORLD OMNI FINANCIAL ). if there are any current class action lawsuits against Toyota for this type of thing I will certainly be taking part.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against American Express, XXXXXXXX XXXX, and XXXX XXXX  for multiple violations of federal credit reporting laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection statutes. These institutions have engaged in unlawful reporting practices, unauthorized credit inquiries, and failure to investigate legitimate disputes, causing significant financial harm and credit damage. 

1. Unauthorized & Fraudulent Credit Reporting American Express, XXXX XXXX, and XXXX XXXX  have continued to report unauthorized, fraudulent, or unverified accounts on my credit report. 
These entities have failed to provide proper validation of these debts as required under 15 U.S.C. 1681s-2 ( a ). 
These banks must not report debts that they can not validate or legally claim ownership of. 
Specifically : American Express is reporting fraudulent accounts ending in XXXX and XXXX despite the fact that these accounts are linked to identity theft and unauthorized transactions. 
XXXX XXXX  and XXXX XXXX  have reported unverifiable negative items that have not been properly validated under FCRA and FDCPA statutes. 
2. Failure to Conduct a Proper Reinvestigation Under 15 U.S.C. 1681i ( a ), credit furnishers must conduct a proper investigation when an account is disputed. 
Despite multiple disputes, these banks have failed to provide sufficient validation and continue reporting inaccurate and unverifiable data. 
This constitutes reckless and willful misreporting under 15 U.S.C. 1681n ( FCRA liability for willful noncompliance ). 
3. Unauthorized Hard Inquiries Without Permissible Purpose American Express, XXXX XXXX, and XXXX XXXX  have placed hard inquiries on my credit report without my written authorization. 
Under 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ), a creditor must obtain express consent before accessing a consumer credit report. 
These inquiries were conducted without my prior consent or a permissible purpose under the law. 
Unauthorized credit inquiries constitute a serious violation of consumer rights and result in unjustified credit score reductions. 
4. Violation of the Identity Theft & Assumption Deterrence Act ( 18 U.S.C. 1028 ) I have provided FTC identity theft reports, police reports, and multiple dispute notices to inform these entities of fraudulent activity. 
These banks continue to ignore clear evidence of fraud and fail to take corrective action in violation of 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ).
Product: Credit card or prepaid card

I recently applied for a credit card with Capital One on XX/XX/218 and was declined " Based on your credit report from XXXX, there have been too many recent inquiries '' I checked my credit report for accuracy and shows I only had 1 inquiry prior to application. I've been on the phone with Capital One for a few hours trying to get an answer and they are stating application can not be overturned. I was denied credit with no valid reason and made it known to them before submitting complaint. I understand there are various factors looked at when submitting a credit card application and met all the requirements before submitting ( XXXX fico ).
Product: Credit card

I was denied for both XXXX and XXXX credit cards, and according to my research you are not allowed to use anything but my criminal record and I dont have one. This was in XXXX of 2024 not only that AMEX has a Prospectus an a Indentured Trustee act as well as a XXXX SEC filing that states all applicants are eligible at time of application it also says in a round about way ALL applications are traded on the secondary market, Im starting my life over and cant get any help and I am evicted with kids because a company decided to tell me no but benefits due to my social security number and signature. I dont appreciate how AMEX has benefited while I suffered.
Product: Credit card or prepaid card

I was sent a credit card offer from Chase Bank for a XXXX XXXX credit card. The offer said that if I get the card and spent {$3000.00} in the first 3 months that I would get 50,000 bonus miles for XXXX XXXX. I applied for the card in XXXX of 2016 and I was approved. I called in to Chase Bank to see if I would qualify for the offer and they said I would get the offer. I spent more than the {$3000.00} limit to the get the offer. I canceled the card and chase told me that the miles would expire in 2 years. After my account was canceled my miles disappeared. I have been trying to work with Chase to get these miles back but they said that m account was purged. I did nothing wrong and now chase will not work with me to resolve this issue. The account number on this closed account was XXXX. I have also received a letter from Chase saying that I was supposed to receive the bonus. I will attach that as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX, my Bank of America HELOC account number XXXX was included in a Chapter XXXX bankruptcy filing. Once the Chapter XXXX is removed from my credit report, the associated derogatory reports are supposed to be removed also. On my current XXXX  report, those derogatory payment reports from XXXX remain. I disputed this situation with XXXX ( attached Dispute # XXXX ), but received a response saying that the Bank of America investigated and is reporting accurately. 

That is clearly not the case. For this report, I attached the same document evidence provided to XXXX, and I assume, then forwarded to Bank of America - an extract from my XX/XX/XXXX credit report showing the account was clearly included in the Chapter XXXX bankruptcy. Back in XXXX, once out of bankruptcy, I was allowed to negotiate with the bank to modify the loan to bring it current. So, now that the Chapter XXXX has aged off my credit report, I expected the derogatory payment reports associated with it to be removed also.
Product: Credit reporting or other personal consumer reports

I did a 1099 A form that was approved by the IRS on the XX/XX/2023. It was mailed to the company. They havent updated my account to paid in full!
Product: Credit reporting or other personal consumer reports

There is an address on my Experian profile that doesn't belong to me. There should be XXXX in XXXX and XXXX XXXX XXXX XXXX I cosigned on that property. The one for XXXX, MA is NOT my address nor have I ever lived there or own a property there.
Product: Debt collection

Starting XXXX of XXXX * I canceled service, returned their equipment, ( 3-4 routers ) thru the prepaid shipping service. 
* contacted XXXX customer service by phone several times, provided tracking information of returned equipment * XXXX, XXXX, XXXXca n't read tracking # ) up until recently to verify items received ( it was confirmed the label was used and items received ) but their system did not update as received. Thus the non returned equipment fee that is being reported by their collection agency- IC Systems . 
Spoke with several XXXX  agent that assured me they have updated their system and I could receive a final bill reflecting the {$210.00} credit. ( still waiting ). After reaching out regarding on XX/XX/XXXX and speaking with XXXX in the XXXX XXXX XXXX she transferred my call to the department that can help and then. ( transferred call to third party ) IC System Collections after threating not taking care of this today will negatively affect my credit rating. After connecting I spoke with XXXX at XXXX and was informed by him that I own the equipment that was returned and that if the pay off amount of {$210.00} can be settled for just {$110.00}. today or by sending them a letter from XXXX showing the {$0.00} balance of the debt they reported for returned items. 
* On XX/XX/XXXX I get notification regarding a XXXX decrease on my XXXXredit score and still no finial bill showing they received items where myself ( customer ) returned even though proof was provided to them.
Product: Student loan

I have been paying my student loan pretty regularly until recently when I had gotten behind one month but have since caught up. However, Navient calls both my dad ( co-signer ) and me SEVERAL TIMES A DAY BEGINNING AT OR CLOSE TO XXXX AND ENDING SOMETIMES AFTER XXXX I have communicated this to them but they refuse to quit calling.
Product: Checking or savings account

The problems started in XX/XX/2021 when a representative from the Navy Federal Credit Union caused errors on my account due to my checking account being hacked. From that time on I had problem after problem with that credit union. Then yesterday, I found out that they closed my checking account. I had previous disputes with them on a transaction concerning XXXX XXXXXXXX. I had submitted a 2nd request for review of the situation. Yet, I never received even an acknowledgement of the email. The next thing I knew noticed was my account being closed and I received a letter. I am absolutely disgusted and apalled by this Navy Federal Credit Union. I have serious health issues and I don't not need this unnecessary stress. Everyone at the Navy Federal Credit Union always had a different story to tell about any question someone has. They are very confused and do not what they are doing! I Tried to close my savings account with them this morning as was not able to do so because the female representative said she didn't know how to do it! This is the most disrespectful, inhuman, uncaring, unknowledgeable credit union I have ever been associated with! They should not be allowed to treat people that are ill any type of way. I am now having to wrongfully pay {$91.00} because of an issue that was not my fault. I do not want this to be place on my credit file so I have not other recourse at this time but to pay this. However, I do not agree with this false debt that they claim I owe!
Product: Credit card or prepaid card

Capital One Quick Silver Credit Card I was never notified that my 0 % promotional interest period ended early ( supposed to be on XX/XX/XXXX ) and was charged the interest fee. 
I paid my account in full and requested that the charge be reversed since Capital one did not notify me of this change, and after going back and forth with the first representative, she hung up in my face, I tried recording the phone call and when I mentioned I was recording the call, they would stop speaking and say they would not continue unless the call was not recorded. Although they are recording the call, so why is it a conspiracy to them when a customer is recording them! 
Date of the call to Capital one : XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputed in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely. they have to follow the FCRA LAWS!
Product: Checking or savings account

On XX/XX/XXXX I tried closing my account at PNC Bank. I withdrew my money and started an online chat with their customer service to close the account. Apparently the account was not closed and I was charged a {$25.00} fee the next day because the account went under the required balance. 

After realizing the situation I called PNC on XX/XX/XXXX and they refused to credit by account for the service charge and also refused to close out the account. They also said I would continue to be charged {$25.00} a month as the account can not be closed with a negative balance due to the fee I was charged by them not closing my account in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found in corrected information on my credit report, I do not know where these accounts came from, I have tried to contact the companies and they are not willing to help me. XXXX is all the details which is on my credit report. 

XXXX account number # XXXX opened at XX/XX/XXXX for {$370.00} XXXX XXXX A Account number # XXXX opened XX/XX/XXXX {$3600.00} XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXX balance {$0.00} XXXX XXXX account # XXXX opened XX/XX/XXXX balance {$0.00} XXXX XXXX XXXX # XXXX Open XX/XX/XXXX {$990.00}
Product: Debt collection

I highly suggest you have your attorney, read this complaint, and then the laws attached. Because it doesnt matter if I owe it or not, and I dont. You had no legal authority to place it on my credit because you never notified me ahead of time, I think with you, XXXX and yes, I said XXXX  Keep missing is that you have no legal authority to place it on my credit report because you failed to notify me ahead of time. I have proof that you did not notify me about this debt prior to placing it on my CBR. 
Whatever unaided, educated individual is responding to these might want to talk to the attorney. Im going to give you the proper laws again and remember I have proof that youve not notified me. Because the individual that lives at that address is willing to testify they have returned at least three letters and the last one they did by certified mail. 

Pay special attention to validation notices, and debt parking written notice required XXXX ( a ) ( 1 ). Section XXXX ( a ) ( 1 ) ( ii ) That section says if you receive a notice undeliverability you must NOT furnish information about the report to a consumer reporting agency until you satisfy XXXX ( a Thats actually pretty simple and very clear.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Has as 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. 

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 an accurate.
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 ( XXXX ). 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 ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. SYNCB/CC on XX/XX/XXXX XXXX Reported Identity Theft ) 2. SYNCB/CC on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

My account with 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 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, credit repair services, or other personal consumer reports

I had a collection on my report on XX/XX/2023. I call to verify but they could tell me anything even though it's suppose to be me. So apparently they have me mixed XXXX with someone else or someone is using my name for medical purposes. They also show I had made payments on my credit that's not me. I have my full name driver license to prove it's not me. Experience claims that it's correct. But I contact the debt collector spoke to a XXXX and he could give me any information.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the bankruptcy notation on my credit report that is reported for the XXXXXXXX XXXX XXXX, as it appears to be erroneous. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure accuracy in the information that appears on credit reports. I have reviewed my report carefully and noted that a bankruptcy filing is inaccurately listed. I have reached out the bankruptcy court and they advised they do not report to ANY credit reporting agency, so they did not supply the information being reported.
Product: Mortgage

I am recovering from hurricane Milton and all my homes had various recovery expenses and all four homes are in a FEMA declared disaster zone. I have the four mortgage loans with Freedom Mortgage and have requested all four loans to be under the deferral program which is where 3 months mortgage payments ( XXXX XXXX and XXXX payments ) are added to the end of the loan. Not only is Freedom Mortgage dragging their feet on an approved deferral request, they have increased the balances on my XXXX report for the few months and are trying to force a loan modification with a much higher interest rate, adding several years to the loan and requesting extensive paperwork like current tax returns ( which my accountant stated are not available till XX/XX/year> due to Hurricane Milton ), bank statements, a form from the IRS, etc... Basically excessive steps and they are forcing a loan modification vs a streamlined Deferral approval - along with increasing my mortgage balances the past few months ( see attached balance increases reported to XXXX ) and reporting my mortgage loans as delinquent which has tanked my credit score. The Freedom Mortgage account numbers and property address are listed here:1 ) XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX loan # XXXX XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX loan # XXXX XXXX ) XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX loan # XXXX XXXX ) XXXX XXXX XXXX XXXX, XXXX, FL XXXX loan # XXXX Please find attached a screenshot of Freedom Mortgage increasing the balances and after calling/speaking to their agents numerous times requesting a Deferral approval and sending messages to their company thru they're message center since beginning of XXXX I am still not getting the required deferral approval and an being negatively and i believe illegally impacted.