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

I am referring to the company, Cash App ( aka Block Inc. ) due to the lack of customer service support for issues around their product. They failed to provide their customers with the proper assistance when needed and go against CFPA rules. For the major inconvenience encountered for the actions of the company, I hope these issues can be addressed and actually resolved. As a current user of their platform, I might resort to other companies in the near future to ensure my financial/personal security is met.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a tax ID holder, and I do have credit established here in the US, 1. XXXX  : I am paying for credit monitoring and I have no problem accessing my information from my computer or mobile. When accessing the 3 credit bureaus from XXXX, ( which I am paying for ), I have no access to XXXX  or Equifax. I called in XXXX  and they said I have to actually call the companies themselves and file a case which I did, I opened cases two different times with both companies, XXXX  and Equifax about 2 months ago from the 1st complaint and about one month ago for the second complaint, and they promise a response to my email which never happened. 

2.XXXX  : I used to have my credit report online updated only once every year ( I was paying XXXX every month to have my credit available anytime I needed it ), I was upset with this and called them to refund my money, which they did, but they removed my access online to the Transunion credit report. I called in about a month ago to have it back, no response. 

3. Equifax : I have online access to the free report every month, called my Equifax, but I need it available 24/7 because I'm planning to fix my credit ( I need to know what my credit report is so I can actually go ahead and pay my debts ) ; I tried to upgrade my account to the paid service, but there was an error at the end of checkout, saying ( call us to number * ) which I did call, opened cases in two times, one two months ago, and another one month ago, no response whatsoever, this is why I am writing you. 

4. XXXX XXXX : They gave me a very bad rate considering was the only company will approve me because I am a Tax ID Holder even though my credit was very good at that time. I think this is discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion disputing the bankruptcies appearing on my credit reports. 

I never received a response from the bureaus from the disputes so I resent the disputes again 1XX/XX/XXXX. 

I then received response from the bureau stating that they have verified the information as accurate. 
XX/XX/XXXX I sent letters to XXXX, XXXX and Transunion regarding the bankruptcies appearing on my credit reports.

T

hese letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is not reporting the bankruptcies to the bureaus as it is not part of their practice. The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ).

XXXX deleted the bankruptices and Transunion deleted one of the bankruptcies. XXXX  did not delete the bankruptcies and stated that they had verified the information as accurate but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ). 

Transunion stated that they had verified the information as accurate for one of the bankruptcies but failed to provide me wit the " Source '' of the information as required by the FCRA, Section 609 a ( 2 ). 

XX/XX/XXXX I therefore sent FINAL letters to XXXX and Transunion regarding the bankruptcies appearing on my credit reports. 

Again, These letters explained that I went to the Bankruptcy Court and was told that the Bankruptcy Court is not reporting the bankruptcies to the bureaus as it is not part of their practice.

The letters I sent asked for the " Source '' that was providing this information to the bureaus since it was in fact NOT the court as they stated in my credit reports. My credit reports stated that the court was the data furnisher when it was in fact NOT the data furnisher since the court does not furnish information. 

This request was made in accordance with the FCRA, Section 609 a ( 2 ). 

I am at my wits end here because they are clearly violating the law and DONT CARE. 
If the Court is not reporting this information to the bureaus then WHO IS and how do they have a legal right to do so? 
It is CLEAR that the court is not reporting any information to the credit bureaus. 
Are the credit bureaus placing this information on the credit reports at their own discretion? 
It is my understanding that only " creditors '' or " credit grantors '' can report information to the credit bureaus. 
This is my final step before taking legal action so I hope the CFPB can take action with the seemingly illegal practices.
Product: Checking or savings account

I have had problems with the bank - CapitalOne360 for  several months, and their answer was this - Our records show that the decision to end our business relationship and close your accounts were made after our Security Team reviewed activity in your accounts and profile information. A restriction was placed on all your accounts while our Claims Team researched the disputes youve recently filed on transactions made with your debit card. 
Once all your claims have been closed, which can take up to 90 days from the date the claim was filed, the accounts will be closed, and a closeout check will be mailed to your address on file with the remaining funds. 

All my disputes were resolved a week ago or more, I contacted them but they did not care. They do not want to give back the money that was left on the account. Just use them. 
One time, I received an email that all my accounts can be closed and the money transferred to external account. So, do it. Who is responsible for this? 
Branch cant help and on the phone either, some kind of holy fraud department decides it that you cant even talk to it on the phone. Only telephone entry. I am in shock.
Product: Consumer Loan

My name is XXXX XXXX. A few years ago PayPal opened a credit account under my name without authorization, at some point a purchased was pushed to that account. At the time I was unaware of this until PayPal insisted I make a payment on the account or risk my credit report ranking. After some wrangling back and forth I paid the dept and PayPal assured me they would close the account and would ensure it would not happen again. A few weeks ago I got another demand letter from PayPal with regards to yet another " open case '' regarding my PayPal credit account, demanding payment and notifying me they have been reporting the delinquency to the credit agencies. I am refusing to make payments- this account was never authorized by me and I did not want a credit account. My credit is steller and I am virtually debt free- I dont need credit from PayPal and this cycle has to end. What can I do here? Seems nothing I do will stop them from opening unauthorized accounts and feel there is no way to punish PayPal for doing this other than to pay a lawyer out of my pocket to formally get them to stop- however dont believe the financial burden should be placed on a consumer who never authorized an account to be opened in the first place. Please advise ... I 'm sick of this company getting away with things like this.
Product: Payday loan, title loan, or personal loan

I paid off my personal loan with MoneyLion in XX/XX/2019. They held a part of the money I was to receive initially which they refer to as a " credit reserve '' similar to a secured loan. I was to receive my balance of {$200.00} deposited into my checking account upon successfully paying off my loan and I have not. It has been over 30 days. Their website states I was to receive it within 10-14 days. I have contacted MoneyLion for the past 2 weeks trying to get what is owed to me but they keep saying " they'll look into it '' or " the system has a glitch ''. Those are just excuses to not pay their customers their money that is owed to them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to Equifax disputing a late payment reported by XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Already Made Before Due Date : The payments were made before the due date. I have provided bank statements and payment confirmation receipts that clearly show my payments were processed well before the due date and should not have been marked as late. 
Clerical Error at XXXX XXXX End : There was a clerical mistake where XXXX incorrectly reported my account as late, despite confirming that my payment was received on time. I have attached communication with XXXX acknowledging that the late reporting was due to a system error, and that the payment was processed correctly. 
Incorrect Reporting Due to Closed Account : My account with XXXX was closed by the creditor, which further complicates the reporting of late payments after the closure. This account should not have reflected any late payments beyond the closure date, and I have attached the account closure confirmation from XXXX as evidence. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint.

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My Ex Boyfriend got a bunch of stuff in my name that I want to be taken off my report
Product: Debt collection

on XXXX XXXX, XXXX my loan balance at XXXX XXXX was XXXX on XXXX XXXX XXXX it was XXXX over 300.00 dollars in fees, i callled them to explain i was in XXXX XXXX XXXX they refused to take fees off they are discharging accounts in florida, this is scam that XXXX XXXX is doing..
Product: Credit card or prepaid card

I filed a dispute with Chime Bank XXXXXXXX XXXXXXXX XXXX for a charge by XXXX for a canceled purchase. Chime refuses to provide either a written record of the steps taken to investigate my dispute or any update for that matter. XXXX furnished an email proving that the refund was submitted but XXXX XXXX refuses to contact them to verify my complaint. Chime refuses to provide a provisional credit citing 23 F.C.R 1005.11 sub z.
Product: Credit card

I have credit scores of XXXX and have XXXX interest cards with companies as XXXX XXXX ( XXXX and XXXX bank ), but I applied with chase and XXXX XXXX and citibank they refuse to help or open an account regardless of my sucessful record of paying off bills. 
I think they have me XXXX  from the past. 

can you please open this up with them and I want them to research why. 

XXXX XXXX no form letters allowed to send me and i will take the attorney route
Product: Credit reporting or other personal consumer reports

It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter XXXX states the following ; ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$250.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE HELP! I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 62 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. PLEASE HELP!
Product: Mortgage

I had made my third trial payment with Wells Fargo Home Mortgage and called several times to find out if they would come up with a plan they said they would instead right after the 3rd trial payment I was sent a letter that my mortgage was assigned to XXXX XXXX and when I called XXXX XXXX although I had a trial payment plan they had no clue what was going on said I should continue with my trial payment plan And when ending of XXXX came so I can make my fourth payment the customer service at XXXX XXXX said my information wasnt in the system. I called several times but no help and they hardly pick up the phone with a live representative this company XXXX XXXX. When I finally threatened the agent about speaking to my lawyer, he called back with in 5 mins and stated he could take my payment when just 15 minutes before another customer service said my information wasnt on the computer system. Then after this person who is taking care of my case took my check number stated he couldnt give me a confirmation number that he didnt have that which I thought was super strange. After that I decided to check the reviews on XXXX XXXX and saw that they had XXXX complaints and not one good review I guess Wells Fargo knew exactly how to give me and my home into more issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off the full balance of my XXXX  XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
Product: Debt collection

This debt is not owed by me and I've tried multiple times to have them remove it.
Product: Debt collection

I received a call from ( XXXX ) XXXX saying they were calling from D2 Management, I spoke to XXXX and she was trying to get me to confirm my SSN, I let her know that I didn't feel comfortable giving them my SSN, i asked her twice were she was calling from and she said D2 Management, I asked her for their phone number and she said it was on my caller ID and she hung up. I called the ( XXXX ) XXXX - XXXX and a lady answered saying hello, I asked were I was calling to and she said D-2 Management, I asked her what it was about and she said they were collecting for XXXX  XXXX and that they were doing it before XXXX  XXXX would take further legal action against me. I asked the lady for an account number to mail a check and she said that they do not take check only debit cards, I asked her again for an account number and she said that she didn't know what I was talking about and she said that she was going to get her manager, i told her that they are supposed to have an account number for my collections account and that they are not following the FDCPA rules and she hung up on me. I never recived anything from XXXX XXXX  or D2 Management stating that I owe them.
Product: Credit card

On XX/XX/1923 I purchased a mattress from XXXX 's furniture using a Fortiva credit which at that time I bought it online, i received a call from the store basically making me buy a cover that was XXXX which I really didn't want but, I felt so pressured from the sales person i finally gave in I realized almost a year and a few months later this balance isn't going down I called the credit card company they said i signed terms but couldn't provide them if the amount wasn't paid for i would be charged another XXXX I have paid more then my monthly payment and now I'm still being charged a huge amount I feel deceived and i feel like this wasn't explained to me instead they wanted more money out of me in regards to the cover..
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 reporting, credit repair services, or other personal consumer reports

I have contacted Equifax, XXXX  and XXXX  to have items that has been paid off that was In collection to be removed out of collections. However they just updated the balance to just XXXX balance and the accounts are still in collection instead of being deleted. Also they have information that is reporting 30 days late that is not 30 days late like my XXXX  account. XXXX  put in a request to change the error on their behalf, but its yet to be changed on the reporting side. I also have a probleming with the scoring of my accounts. My scores will drop 30 to 50 points, I will pay the accounts out and they will only give me 10 points back. This is not right from what I have been read on fair debt information. Out of all the stuff I have taken care of, I should have had over 200 points back on my score, but it is not where it should be. My DTI is low and I should have been receiving more points than they have given me.
Product: Credit card or prepaid card

I submitted dispute letters to XXXX, XXXX, and Transunion on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about many accounts that I believed were reporting inaccurately and/or fraud. Each agency has failed to reply back.
Product: Credit card or prepaid card

I applied for a Walmart Credit Card and was approved. I called up and asked for a Credit Increase. The increase was denied and I decided to Not Accept the Credit Card. Credit rep told me no card would be opened or sent to my home. I checked my credit report yesterday and there is a New Account that was listed and closed within 1 day. This is incorrect as I declined the offer. My credit has gone down XXXX points because of this. I Called Walmart and spoke to one of the rudest representatives there who told me there was nothing she would do. Walmart lied to me about the account and it should be deleted. I never accepted the offer .The terms and my rights were not read to me when I declined the offer. I will be also filing a complaint with the NY State Attorney General
Product: Credit card

American Express send notice in the XXXX billing that they are changing their payment options in XXXX XXXX. In XXXX, an interest rate will be charged on any amounts that are not paid in full by the payment due date, which according to my XXXX XXXX bill, is 7 days from the date of when I received it ( yesterday, XXXX XXXX and my due date is XXXX XXXX. ) I have called American Express and they told me they would comply with all federal laws, but the way this notice reads, they are not. Your rules clearly say that they must give us 21 days each month to pay the bill. Currently, we are given a " please pay by '' date ( one week ) and a closing date which is approximately 14 more days after the " please pay by '' date ( and the correct, approximate 21 days that the law requires ). But the American Express notice states that the interest will be applied to any amounts that are not paid until the closing date. Please look into this and make American Express comply with federal law. Thank you.