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

I have submitted multiple requests to XXXX about a collection account on my credit report. 

I wrote a letter dated XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking XXXX to investigate an account. XXXX 's latest response was on XX/XX/2022 which was their latest update that the account was verified and updated on Report Number XXXX. I originally asked for a description of your procedures on XX/XX/2022 and XXXX failed to respond with the information that I have originally requested. 

At this point, I am so upset and I feel so abused by their company that I have decided to file complaints. XXXX has ignored me, treated me like an uneducated consumer, and caused my family and me great distress. Leaving bad information on my file has prevented me from obtaining credit to get a loan that is needed for consolidating debt and this is not fair to me or my family. 

I have also expressed to XXXX that the Americollect account is not valid and is in violation of my XXXX rights. I never signed and authorized a XXXX release form for them to have my personal medical information and yet they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRADULENT, FALSE, UNAUTHOIRZED CREDIT INQUIRIES AS FOLLOWS EQUIFAX : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

so as of XX/XX/XXXX me and my spouse moved out and finished making our payments as of XX/XX/XXXX. we were not notified that we were being charged for cleaning services they provided. we recently received something in our mail ( sunday, XX/XX/XXXX ) claiming we owe them {$920.00}. we also called a few days prior to our last payment to make sure all we had to pay was the remaining balance of XXXX, and someone by the name of XXXX told us that that was the remaining balance we owed and that everything is going to be settled after that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX has violated my rights everything must be 100 % accurate. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active inaccurate and date last reported is not accurate. This is ground for removal they also violated my rights under 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. Also the credit bureaus took more then 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked on my credit report and noticed that some accounts were opened that I did not authorize and have no knowledge of the person who opened them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccuracy/Violation # 1- The date of last activity does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The date of last activity determines the date of delinquency which also determines how long a collections can be on your credit. A collection account can only be on your credit report for 7 years and if this number is inaccurate that time can not accurately be determined. This also affects how long a consumer can be sued by a debt collector. The statute of limitations in Texas is 4 years and this needs to be completely accurate. 

Inaccuracy/Violation # XXXX The open date does not match across the credit bureaus. XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These dates must all match and be the same to adhere with the FCRA. 

Inaccuracy/Violation # XXXX The " Report date '' is being updated every month this the current month and making the collection look new. My most recent credit report shows that XXXX is reporting XX/XX/XXXX, Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Every month these dates are being updated to the most current which is against the FCRA. 

Inaccuracy/Violation # XXXX The last payment dates do not match across the credit bureaus. XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. The last payment date is also important in determining the date of delinquency. 

Inaccuracy/Violation # XXXX This account is reporting as past due amount of {$510.00} and collection accounts are not to be reporting a past XXXX balance. This is also a violation. 

Other inaccuracies and violations include missing information. There is only one close date being reported which is with XXXX and that is on XX/XX/XXXX. The format is not matching any other date on the credit report and Experian and XXXX is missing the close date. It is also reported that the term of this was 27 months, but the last payment date reported for XXXX, Experian, and XXXX are all after 27 months. 

According to the FCRA section 623 ( a ) ( 2 ), if a furnisher, furnishes information to one or more credit reporting agencies that is incomplete or inaccurate, that furnisher must promptly provide the correct the information or remove the incomplete or inaccurate information.
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 for these violations.
Product: Checking or savings account

Went to ATM and attempted to withdraw {$220.00} and the ATM was broken from bottom and didn't dispensed any of the cash Date XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX Sequence # XXXX Card Number Terminal XXXX withdrawal {$220.00} Dispensed {$0.00} XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a police report in to XXXX and XXXX quickly contacted them and received it and began updating my credit file and removed fraudulent information. When I tried to get Equifax to do the same, they blocked my online privileges to do so online and made it impossible for me to upload supporting documents by disabling site privileges on my end. The sites code would be disabled whenever I logged on via my equifax account. I asked them to update my information and they refused to even after mailing evidence in from homeland security, FTC, and asking them to contact the other agencies for a police report. I kept asking them to dispute the fraud and errors on my report and was ignored. Instead they added a false account this week to my credit file trying to prevent me from accessing higher education loans a week before enrollment. While there is no payment history for the fraudulent account they have ignored my requests to remove it even after providing evidence of apparent fraud. The other 2 agencies removed it and I kept asking them to update their credit file accordingly and I was ignored. I asked for a copy of my credit report to be sent three times and never received one. Please assist me in this matter as I am being provided poor customer service.
Product: Student loan

Navient services my student loans. I have tried repeatedly to enter into the income based repayment plan. I have gone through forbearance several times as my income was low and wasn't given another option. I found out about Income Driven plans and asked to be enrolled. My first application was in XX/XX/XXXX. I submitted all information as required. On XX/XX/XXXX, I was advised documentation was missing. I submitted that immediately and nothing happened. I called and was told the application was not processed and I had to do it again. I submitted the second time on XX/XX/XXXX. Again I sent in all information required and again nothing happened. I even received a confirmation email that all was received. I called in twice to check the status and was told to allow 10 additional business days. Nothing happened. When I called the third time I was given another option to consolidate the 2 loans and in the process apply for an income driven repayment plan. I did so on XX/XX/XXXX. The consolidation was processed immediately. The repayment plan still hasn't been approved.

I am upset that for so long when I didn't really have income I wasn't given the option of applying for an income driven plan, but instead continued to be put on forbearance. And now that I have applied 3 times, nothing has been processed or approved. I started this almost 8 months ago and all the while continue to build up interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was accepted into XXXX XXXX XXXX by XXXX  college, they do background checks before admission I informed of previous charges. Was told I was good to go, gave XXXX for registration fee and started classXX/XX/XXXX. Went through whole course and completed even given class completion certificate. ( Still have ) Well they had a couple of us double check backgrounds before extern and of course the same system used during admissions pulls up my background they said " I was good to go '' on. Well the " XXXX '' charges ( because thats the main thing you cant have on your background when going to XXXX   school ). Walked into a house my friend was waiting at, didnt know older brother in that house sold XXXX  to a undercover officer earlier that week. And me and my friend walked right into a XXXX   bust, everyone in the home was charged with the same thing since the actual criminal wouldnt admit. Date of offense was XX/XX/XXXX didnt get it expunged till XX/XX/XXXX. So the school would have seen record during admissions and background check. XXXX   from front desk at XXXX college XX/XX/XXXX did state over phone their background checks are accurate, if ever anything missed it wouldve came back with the first couple days after 1st Bckgrnd check. I have spoken with Director of Student affairs who has yet to find background check and stated withdrawal papers states i left do to transportation not realizing I COMPLETED CLASS COURSES, transportation had nothing to do with why i couldnt go to extern. I have filed and contacted Borrowers Defense and student loan comp etc. I was told best thing i did was keep Documents which will prove School Error and not Student error and that I qualify for removal. I have {$12000.00} in debt on acct that all 3 credit Bureaus are still reporting and I couldnt even get certified or use credits. It has my debt to ratio high and preventing me from getting Qualified for loans. I so desperately want to move my family in our first home but I am told I am a Couple thousands to high.
Product: Credit card

I applied for a care credit card in XXXX. 

The application asked a question if I wanted to opt-in for a debt protection plan. 

I did not opt in for this service. 

They were charging my account for the last 6 months for a total of {$350.00} When I call to get this disputed, they tell me that I can not. Instead they gave me a different phone number to call to cancel. 

Im still in the process of trying to get this money back.
Product: Credit card or prepaid card

I submitted a dispute for services not rendered as described ( false advertising ). Another credit card company investigated the same claim in my favor, and even though I did receive services, they were subpar. I provided emails, text messages, and photos supporting my claim. I also submitted complaints to the FTC, attorney general ( due to the false advertising / fraud ), and the XXXX. Citi bank wrongfully found in favor of my merchant and will not allow me to appeal.
Product: Student loan

I called AidVantage to see about why my load was still getting paid for. I had set up automatic payments and they never stoped during the pandemic. When I called them the lady on the phone said that she had not heard of XXXX XXXX which was the reference line of the payment. She advised me make a complaint and to call my bank.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX - XXXX - {$4900.00} XXXX XXXX  - XXXX - {$4200.00} XXXX XXXX  - XXXX - {$6000.00} XXXXXXXX XXXX XXXX XXXXXXXX - {$2900.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Current XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

I was sent a letter XXXX 2015 shortly after roundpoint started servicing my new mortgage. They were saying that I did n't have proper insurance for my condo so I sent the a copy of my XXXX policy and the associations master policy. I was assured by my mortgage originator that the coverage passed underwriting and was within XXXX guidelines. When calling to follow up with roundpoint I was told that the fax went to a central location and it would be days before it was fixed. I never heard anything back until moths later getting another letter stating that they were forcing me to use their insurance company since I did n't provide proof of insurance. At that point I got my mortgage originator involved and we sent the proof to the fax number provided from HIS office and got confirmation of delivery. Then about a month and a half later on XX/XX/XXXX I was notified that I was charged {$1900.00} for insurance which is an unbelievable number since my insurance is slightly over {$30.00} per month and the dwelling ( condo ) is covered by the HOA with a XXXX dollar policy. Now unfortunately I am stuck due to the servicing violation at the hands of roundpoint mortgage servicing because my impound account is in the rears. After multiple attempts between XX/XX/XXXX and now I have tried to contact them by phone and get the run around. They can never give me a manager on the phone and keep telling me that there is nothing that can be done. I have multiple emails showing that I scanned and emailed them and faxed the proof of insurance and it has now cost me tens of thousands of dollars.. That sounds like a stretch as my damages might seem like they should be {$1900.00} for their forced insurance that was n't needed or legal so let me explain. A few weeks ago mortgage interest rates had dropped to the lowest point of the year. Unfortunately I could n't take advantage of a refinance because the balance on my impound account is now at a NEGATIVE {$1500.00} so in addition to the closing costs I would have to pay the negative that was caused by their fraudulent insurance and enough money to establish a new impound account which should have already been in mine and carried over. The difference between my current rate and the rate I could have received when they dipped when amortized would have been tens of thousands on top of the fact that they will be raising my payment on a FIXED loan to cover their insurance. I have gone through all of the standard protocol up to this point and have no other option to ask for your help in this matter. It seems that if I am having these issues with this company others must be too and they should be audited and forced to pay ACTUAL damages plus penalty for almost on purpose overcharging and abusing consumers.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

When I initially received the service, I was making payment regularly. I have a remaining balance of {$900.00}. Out of nowhere, my balance had increased and the company stated because I have exceeded the promotional period. I told them I was not informed of a promotional period and can I receive a copy of the terms and conditions of the contract. They stated they would not provide it and that it is my responsibility to locate it. They are erroroneously increasing the balance on my account without providing documentation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, 2017, I mmade the following transaction : +XXXX LTC @ {$250.00} per LTC Reference code XXXX Payment Method XXXX - Interest Checking XXXX Fee {$4.00} Subtotal {$330.00} Total {$330.00} It was for the pruchase of Litecoins at a total price of {$330.00}. My XXXX checking account was charged {$330.00} two times. I am attaching a copy of my statement for your convenience. I filed a dispute with my bank. Upon resoltuion of the dispute, Coinbase, disbale my ability to trade in my account. I started a case # XXXX and have made 4 phone calls with zero resolution. Furthermore, Coinbase FROZE my account in a highly volatile market. They have restricted my ability to Buy/sell/withdraw my current assets which include XXXX Litcoins and XXXX ethereoms. It is unconscionable to freeze an account and restrict a customer 's right to sell his assets. XXXX firms who work with XXXX face simlar circumatances all the time. They will restrict buys, but NEVER sells. This was a bank error caused by coinbase. As of the time of this writing, the value of my coins is down approximately {$1500.00} due to this account freezing. I attempted to sell the coins yesterday at a profit of about {$1000.00}.
Product: Debt collection

I had a property management collection account on my credit report, I was a co-signer on the contract and I paid half of the collection balance because the debt collector I spoke to promised me they would delete the tradeline or collection account from my credit report. 

Its been long time since I paid this and now that I need to get into a new apartment I can't because the account still on my credit report, I called them and now they said I am not longer liable for the debt but if I want to have the account delete from my credit I should contact the second person on the contract to have them paying the remaining of the debt or I can pay it. 

This actions from the debt collector are illegal 's, first of all this account is over 7 years old and shouldn't be on my report since XX/XX/2021. Then they lied and promised a credit report deletion as long I paid my part of the contract but now they blackmail on me to help them either paying more money or talk to the other person in the contract to pay its part.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : 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 or other personal consumer reports

Based on, 15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file consumer that the consumer identifies as information that resulted from identity theft, not later than 4 businesses days after the date of receipt.

Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 Section 602 A states I have the rights to privacy.

Pursuant to 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting that provide the purchase agreement to show full ownership of such accounts and also other documents so I may review to see if this actually an account that belongs to me. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Credit card or prepaid card

I applied for a XXXX XXXX via XXXX XXXX over one month ago. I have called spoke with XXXX XXXX, she would not tell me what the extra {$300.00} fee was, then I went to the store on Saturday because I wanted to know what the charges were for and the customer service told me they could not help me that I needed to call XXXX, so its like a XXXX nobody would help me ( I knew of my balance because when you call the XXXX number above, they tell you the balance up front, but after that nothing ). so weeks went by and I never got my credit card, never received a statement. Yet sometime in the near future I have a bill that is due, so after continuing to call they admitted they sent my card to the wrong address ( weird because they delivered the bed to my house )! finally today I was able to make sure they fixed my address but NOT I HAVE TO WAIT 7 TO 14 DAYS FOR A STATEMENT!!! My credit will be affected because I have no idea what is due nor when it is due. I still don't ' know what the additional charges are, literally the bed I bought was only {$990.00} but I owe apparently {$1300.00}. I did order a table and headboards, but the back order was so bad, they I finally got annoyed and cancelled those two items. I only have 30 days to return stuff or you get charged allot for restock fees, so I feel like NOW I AM TOO LATE TO RETURN THE BED AND NEVER HAD A CHANCE TO REVIEW WHAT THE CHARGES ARE ON MY CREIDT CARD!!! 1 1/2 months later I still have no idea what is going on with my account or why they charged me extra. Its unfair and I want this resolved