23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for a credit card with a 0 % introduction APR. I encountered 3 problems with the card. 

1. There is no way to sign up for autopay. ( Thus I scheduled future payments in excess of my amount due into the future. ) I have attached the BOA payment screen which does not show any way to set up automatic payments. 

2. My monthly minimum payment due doubled even though my balance was declining each month. ( This was well prior to the interest rate increasing, so there was no reason for the increase. ) 3. BOA did not clearly indicate when the interest rate on my account would change. Because they don't list upcoming rate increases on statements, it is nearly impossible for a consumer to know what interest rate they are being charged at any given moment. 

I was charged a {$39.00} late fee and {$47.00} in interest. 

The late fee was charged even though I made a {$50.00} Payment. The interest was charged even though the most recent statement stated that my APR is 0 %. 

A customer service representative stated that they did not have the ability to wave the Late fee but requested that the charge be reviewed. I have not been contacted since then.
Product: Credit card

When charges first noticed XXXX statement immediately contacted company to report it was not I that made transaction the emails that were provided were not my emails there were XXXX different emails and the product was mailed to location in Texas. I do not live in Texas nor have lived in Texas There multiple transactions for same company and we never authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the presence of inaccurate information on my credit reports with your respective agencies. I have identified an account ( XXXXXXXX XXXX XXXX Account # XXXX ) that has been reported with inconsistent last activity dates ( TransUnion- XX/XX/XXXX, Equifax- XX/XX/XXXX ). This discrepancy is a clear violation of the Fair Credit Reporting Act ( FCRA ). I have previously contested this inaccuracy, however, it still appears on my report. This persistence of incorrect data further contravenes the stipulations of the FCRA, in particular, 15 USC 1681 ( e ) ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 

In addition, the failure to rectify this error after my previous dispute violates 15 USC 1681i ( a ) ( 1 ) ( A ). According to this provision, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Product: Checking or savings account

Dozens of debits totalling about {$54000.00} took place over the course of several months. I failed to notice as I was able to pay my bills
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Debt collection

I have received the second letter, dated XX/XX/XXXX, referring to a voluntary payment. After the previous letter was received, I both emailed and called Launch Serciving on XX/XX/XXXX to ask about the contents of the letter. Namely, I wanted to know what my new payment will be if I don't make the Voluyary payment. When I called, I was on the phone for 1 hour with no human interaction. Also, I emailed the provided email address and the reply was that the inbox wasn't monitored. Finally, I emailed the XXXX leaders asking specifically about this and haven't received a response.
Product: Mortgage

We first fell behind on our mortgage payments when my husband became XXXX and could not work anymore. We had a substantial loss of income in the household. I have applied for home retention options with Select Portfolio servicing several times and they would automatically deny us for loan modification after us submitting hardship letter and the new income. The only option they were willing to offer us was a repayment plan with an unreasonable monthly payment of {$6500.00} which our family can not afford and I have communicated this to them many times. SPS is now taking this to foreclosure court stating that they have tried to offer us a reasonable workout, which they have not. The LTV on the property is at about 40 % and they are not taking into consieration our hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was getting approved for an auto loan and then I got hit with a bunch of hard inquiries including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my XXXX XXXX.
Product: Debt collection

Alleged accounts where disputed belongs to my son who have the same first and last name.
Product: Credit card or prepaid card

I am resolving the issue because I am financially savvy and stay on top of my finances, but I think about the individuals who are not and it shocks me this is happening in 2021. I have a Raymour and Flanagan credit card with deffered interest through TD Bank with different dates that expire for different purchases. 

I have made a number of additional payments to avoid the deffered interest for the purchase that expires in XX/XX/XXXX and it is not applied to that balance but the one that expires in 3 years. You can not make a payment on their website directly to the deferred balance that expires in the near future, you have to call. 

The hoops to jump through are significant and done by design in my opinion.
Product: Credit card or prepaid card

Back on XX/XX/2021 I applied for a XXXX credit card to make a purchase from a private seller for an item. In two weeks time I never received the item. I tried to contact the merchant numerous with each time no response back whatsoever, so I disputed the claim. On XX/XX/2021, I received a letter saying the dispute was in my favor. I got charged again for the amount and filed another dispute and this has been going on for several months back and forth. Today XX/XX/2021 the XXXX credit card charged me again due to the Merchant not accepting refunds or cancellations. XXXX credit card will not help me whatsoever and wants me to pay for the amount for an item I have not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa violation sent police report taking more than 30 dats
Product: Credit card

On the XXXX of XX/XX/year> I reviewed my credit report and found XXXX inquiries dated for the XXXX of XX/XX/year> from Concora Credit. These XXXX inquiries are for a Milestone Mastercard and a destiny mastercard. I havent opened any new accounts in over 6 months. I also received XXXX emails from Concora Credit thanking me for registering those XXXX accounts. I attempted to contact their fraud department on the XXXX using XXXX. I was informed by the employee that the fraud department was closed. I waited till the XXXX to attempting contact. I was referred to the fraud department using this number XXXX. When I placed the call the robot on the other end immediately requested my full social security number and sounded different from any other robot voice I had heard previously. When I finally got into contact with a person, the employee had a ludicrous amount of background noises from laughter to what sounded like a tv playing in the background. Which they then requested my SSN. Which I wasnt comfortable with giving. I then proceeded to end the call.
Product: Debt collection

I received a letter from my Bank today XXXX/XXXX/15 that Johnson Mark LLC of XXXX Ut. is requesting my XXXX Bank records. I have never received any contact from them via ph/email or post. The letter from my bank states I need to obtain professional assistance to stop my Banking info being supplied on XXXX/XXXX/15 to this Johnson Mark LLC which I found out is a collection agency. As stated earlier I 've never received any notice or contact from these people before. 
I need to stop them from obtaining my Bank accts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains information to be excluded from my report based on the FCRA. 
15 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; CONSUMER : means an individual.

PERSON : means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transaction : Credit Limit Experience : Reporting of Monthly Payments, Utilization and Remarks. 

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

EQUIFAX, XXXX, AND XXXX my Social Security Card was used to grant extension of credit or money and according to the law my consumer report should contain any account, transactions or experiences where this card was used.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND A REPOSESSION THAT HAS AN AMOUNT OWING THAT IS WRONG AND ACCOUNTS THAT ARE NOT MINE AND NAMES AND ADDRESSES THAT ARE WRONG. A LETTER OF EXPLANATION IS ENCLOSED.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork to the credit agencies according to the FCRA. My disputes are not being filed correctly and my paperwork is not being attached to the disputes. And I am not getting copies of the verification process
Product: Credit card

Opened Credit card with Citi Bank in XXXX of XXXX and last time I had access to the account was XX/XX/XXXX which at that time my credit limit was {$2700.00} dollars and only had used {$700.00} dollars of it. I have not had any access to this account since XXXX of XXXX. Found out in XXXX of XXXX that my identity was stolen and someone had used all my credit cards and got loans in my name without my knowledge or permission. Citi is saying that I owe over {$5000.00} dollars which is inaccurate cause my credit limit was only {$2700.00} dollars. According to documents I have received from Citi of statement history I pointed out to them that I never asked for a balance increase nor did I ever do a balance transfer. I have disputed this with the company and credit bureau multiple times to get this resolved but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, have been disputing inquiries that are fraudulent on my Equifax and XXXX credit report that they fail to open investigations on and notify me of the dispute status and the results. This is my last CFPB follow up before I attempt to litigate these accounts and sue in Federal Court for the wrongdoings of these credit bureaus they believe that they are above the law! and can have no regard for my consumer rights! These inquiries must be removed from my Equifax credit report 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. These inquiries must be removed from my XXXX credit report 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 XXXXXX/XX/XXXX. They have failed to answer how they verified the accuracy of these inquiries as I never had any dealings with these companies regarding credit transactions. So this is my last dispute with the CFPB before I have to escalate matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter will serve as the second formal complaint that you are reporting inaccurate and incomplete credit information on my credit report. In which both companies have responded with the same incomplete result from the original issue I reported On XX/XX/2019. Upon receiving a letter from Capital One dating XX/XX/2019 stating that they are currently reporting correctly to all three bureaus. Also a letter from XXXX reporting a date of XX/XX/2019 and an XXXX report number of ( XXXX ). In which, the XXXX  report does not show my current Capital One Credit card reporting. There is still a major disconnect between XXXX and Capital One. Furthermore, the issue has NOT been resolved! I have attached in this document the original complaint also the new complaint. I would like this issue resolved immediately. The initial complaint was filed through the CFPB. This second round complaint will be mailed certified and filed through the CFPB as well. I am looking to get an IMMEDATE resolution to this issue. I have spoken with Capital One and XXXX both several times and both companies are saying that I need to contact the other company. Due to the fact they are not responsible for this issue. This leaves me in the dark without a satisfactory resolution. This issue has been occurring for over 30days! An  immediate resolution is required at this point.
Product: Debt collection

To Whom it May Concern : I first received a letter from " The Law Offices of Robert J. Colclough , III on XX/XX/XXXX stating that a judgement has been entered against me in regards to XXXX XXXX for the amount of {$18000.00}. I wrote to them to send me verification of this debt as I don't owe this or know anything about it. I sent them a current copy of my XXXX credit report dated XX/XX/XXXX. I received another notice on XX/XX/XXXX demanding payment in 5 days or they would initiate the EXECUTION PROCESS. I then filed a complaint with THE XXXX -XXXX XXXX XXXX ON XX/XX/XXXX. They tried to get a response from them to no avail so my case was closed. 
TODAY- XX/XX/XXXX I received a NEW LETTER FROM THE LAW OFFICES OF ROBERT J. COLOCLOGH , III FOR THE EXACT SAME THING, ONLY NOW, ITS FOR {$19000.00} and it is a different account # than the first letter and a different contact person!!
Product: Money transfer, virtual currency, or money service

I have a few XXXX orders and subscriptions taken off my card Randomly food orders money moved out my account to unknown place
Product: Credit reporting or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am Per your request. Please remove these inquiries from my report As pursuant to 15 U.S.C. 1681b section 604 ( C ) ( 3 ) of the fair credit reporting act.

15 U.S.C 1681 section 602 A. states i have the right to privacy Clarity Services A Part of Experian.. on behalf of XXXX XXXX XXXX  Inquiry date- XX/XX/year> Clarity Services a part of Experian ; on behalf of XXXX XXXX XXXX ; inquiry date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 at XXXX XXXX. I sent two faxes to XXXX XXXX XXXX  fax number XXXX today XX/XX/XXXX, I received a letter from them claiming that they received my request but they need me to send in exactly what I faxed them again. The paperwork i faxed contained my social security number and a copy of my passport id. 
I contacted them twice. the second time after being told they had no record of the faxes. I spoke to XXXX ID number XXXX she refused to answer any of my questions directly. she put me on hold twice and told me that she had no record of it and that I had to resend it. 
I had my passport ID and my social security number and I faxed it to their National fax number. yet they're vague about where it is and claiming that they never got it. The phone calls should be recorded but I am uncomfortable resending personal information ti people who are that vile and disgusting. I think this should be investigated thoroughly by the law. I do not trust them and I will not be resubmitting it if they already received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm reported my account 30 days pass due XXXX XXXX. When the money has came out of my account. I have prof of funds from my bank statement this loan was payed in full before it was even reported.
Product: Student loan

Since XX/XX/XXXX I have been in frequent contact with multiple MOHELA, XXXX, and XXXX  representatives trying to resolve a very pressing issue. 

On or around XXXX of XXXX my school loans were transferred to MOHELA. Prior to that my loans were serviced via XXXX. I applied for the PSLF program and unbeknownst to me out of necessity to remain enrolled in the PSLF my loans were transferred to MOHELA. Both MOHELA and XXXX failed to tell me that my loan was transferred from one loan servicer to another. So my employer sponsored XXXX XXXX monthly contributions via XXXX  were not rerouted accordingly due to MOHELA and XXXX 's negligence in informing me of the need to transfer the payments because again, no one told me that my loans were being transferred. See attachment below. 

Truth be told everyone knows MOHELA has a bad reputation. 

Fast forward to present day, XXXX and XXXX payments remain unaccounted for according to a MOHELA representative last week. XXXX adamantly state that the {$400.00} in {$200.00} increments was transferred to MOHELA ON XX/XX/XXXX and XX/XX/XXXX but your MOHELA representatives say otherwise and deny seeing the payments for XXXX and XX/XX/XXXX. I have no idea what money they have received. No receipts of payment history has been mailed to my home. I have yet to receive a single invoice or receipt they could be pocketing my money for all I know and that is very unsettling. I requested receipts for payment history for all monies received dating back to XX/XX/XXXX via XXXX and XXXX  alike. 

This mistake on the ( current ) MOHELA and ( prior ) XXXX XXXX servicers gave no other choice but to put my loans ( which would have been paid with ease by the XXXX  Employer sponsored monthly contribution of {$200.00} ) into forbearance or deferment. 

I reached out to the MOHELA OMBUDSMAN who has been playing games with me. They ask me what is a good time to talk I say XXXX on Wednesday they say great and never call. I have no direct line or means of contact to the higher echelon departments within the company. Customer service is completely unwilling to speak to or help me! 

Thank you, XXXX XXXX