23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Congress created the Fair Credit Reporting Act so as to protect customers and with that in mind I would like to exercise my rights under section 15 USC6802. The law clearly states this and I quote : ''15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. '' End of quote. 
According to this law, I have the right to opt out of having my financial information reported to any third parties, even credit bureaus. I am now exercising that right and asking you kindly to cease the reporting of my financial information to any third parties, including credit bureaus. I wish to exercise my right to opt out of such reporting with immediate effect. 
All I ask of you is to obey the law of the land. Failure to do so will result in me taking legal action so as to have the matter addressed.
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 Consuner 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX has sent debts to transunion reporting I owe over XXXX in debts for some bank in another country in XXXX called XXXX Bank. These debts are not even in the United States and they continue to harass me via phone and email. 

XXXX business services XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Product: Debt collection

Correspondence to myself and husband, for the same account, can go up to XXXX calls and or emails a day starting promptly at XXXX am ending at XXXX Same company from multiple different phone numbers. 
XXXX calls. XXXX calls ... XXXX particular rep named XXXX calls once every day leaves a message. If she cant leave a message she will call back XXXX more times. Then there are XXXX other employees that call from different numbers. To each of our phones. And then they email as well.All from the same company. We have mentioned it to the company several times. They begin collection calls day of bill due until paid in full.
Product: Mortgage

Mortgage serviced reporting both incorrect and/or no payment information at all. XXXX was transferred to present servicer in XX/XX/XXXX and I started making payments to them that same month. The servicer only started reporting my account on XX/XX/XXXX, its being reported like its a new loan and not a transfer, it showing only XXXX payment made on XXXX and no payments made on XXXX, its showing the wrong payment amount, but shows my loan was opened on XX/XX/XXXX. I contacted XXXX XXXX XXXX directly to ask them to fix this and tried to file a complaint, but Ive been getting the run around for almost XXXX weeks. This issue has caused a more than XXXX point drop to my XXXX XXXX and is causing great financial harm to me and my family with each day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

The homeowner is facing foreclosure and received an offer on the property which requires short sale approval from Fay Servicing. 

The complete application for the short sale was submitted to Fay Servicing on XX/XX/21. To date the representative assigned to the file, XXXX XXXX has never responded to a single phone message or email. 

I was able to get the Assistant Vice President 's information and have been able to speak with hew, XXXX XXXX, a few times. 

On XX/XX/21 XXXX called to say the investor that owns the loan was countering the buyer 's offer, above what we had been told that their current opinion of value of the property was. None the less the buyer accepted that counter and the updated contract documents were submitted to Fay Servicing on XX/XX/21. 

It is now XX/XX/21 and despite numerous calls and emails we have had XXXX response once again from Fay Servicing.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute inaccuracies related to my XXXX XXXX XXXX account ending in XXXX, as reported by XXXX, Experian, and XXXX. Despite initiating a dispute on XX/XX/year>, I have not received the required investigation results or requested documentation from either XXXX XXXX XXXX or the credit reporting agencies. The account is currently listed as " charged off as bad debt, '' with a past due balance of {$7300.00}, yet no IRS 1099-C form has been issued to me as required by law for any canceled or forgiven debt. Additionally, there are inconsistencies in the reporting across the three bureaus, including varying " last reported '' and " last active '' dates. These discrepancies raise questions about the accuracy and completeness of the information. I respectfully request that the CFPB take immediate action to enforce the investigation and provide all relevant documentation, or remove the inaccurate reporting from my credit file entirely.
Product: Payday loan, title loan, or personal loan

I signed up for an affirm loan via XXXX. I agreed to have a specific amount of money removed on a specific date monthly for XXXX months. Within the first month affirm had removed not only the agreed amount but they removed money on XXXX separate occasions throughout that month without my approval. That money does not show up as being removed from the loan therefore when you call customer service they refuse to deal with you and tell you that it is a problem on your bank 's end. This company is a scam please beware
Product: Checking or savings account

Subject : Complaint against Sofi bank for holding funds and restricting access Dear CFPB, I am writing to file a complaint against Sofi bank regarding the holding of my funds and the restriction of access to my account. I received an income tax refund of {$36000.00}, which was deposited into my Sofi bank account. 
{$21000.00} has been held and restricted from my access. 

I intended to invest these funds with Sofi bank ; however, upon reviewing the associated risks, I decided to withdraw the funds. Despite my attempts to withdraw the funds, I discovered that Sofi bank only allows withdrawals of {$1000.00} per day. In an effort to access my funds, I began making purchases using my Sofi bank card at various locations, including XXXX and XXXX. 

However, my card was subsequently blocked, and I was instructed to contact the IRS. I fail to understand why this action was necessary, as the IRS had already released the funds to my Sofi bank account. I have attached proof of my income tax release, as well as documentation of my attempts to withdraw the funds and my purchases made using the Sofi bank card. 

I kindly request that the CFPB investigate this matter and take appropriate action to ensure that I am able to access my funds without further delay. 

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

In XXXX I had a Best Buy ( CBNA ) credit card, all payments were made on time with the exception of 4 months. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Now being 5 years later this is still showing as a serious delinquency on my account. This has made me not be approved for very important things IE. my fathers funeral loan, getting a house for me and my pregnant fianc, and multiple other attempts to receive a loan for important family things. Best Buy said they can not take a good Will letter and there is nothing they can do. I was XXXX in XXXX now being XXXX Ive been working on my credit portfolio for years, and this is the only thing holding me back. I was unable to make these payments at the time because my mother was diagnosed with XXXX XXXX, I had to leave my job to help her, my father was arrested and served 2 years in jail and they were very hard times. I even talked with the collections agency about this and they were nothing short of rude and unsympathetic. I am really hoping to get this taken off my report after almost 6 years, so I can apply again for my first home to raise my child in and better myself
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband and I filed for Chapter XXXX Bankruptcy. In regards to this particular account, Wells Fargo Home Mortgage, we filed a Chapter XXXX Individual Debtor 's Statement of Intention onXX/XX/XXXX. We stated that the property would be retained in the bankruptcy and the debt was to be reaffirmed. We claimed the property as exempt. We had never been late or delinquent on this account. Neither us nor our lawyer received any documents from Wells Fargo after this submission. In XX/XX/XXXX we visited out mortgage broker to start the process of qualifying for another home loan, as we are ready to purchase another home and sell this current home we are in. It was discovered on our credit reports that Wells Fargo reported to the major credit bureaus that our mortgage account had been " Included in or Discharged through bankruptcy ''. Wells Fargo quit reporting on this account inXX/XX/XXXX. In each phone call to Wells Fargo we have been told different information. In one call the customer service representative told us that they do not send out reaffirmation letters. In another one told us they sent us one, that the letter would have gone to our attorney 's office. When I asked for proof that this had been sent they told me they only send them regular mail via the US Post Office and could not provide that information. Which I found odd since any letter that they ever sent us was also available online to view. I then contacted my attorney 's office who filed bankruptcy for us. Their office told me that EVERY reaffirmation letter they receive from ANY creditor is sent either XXXX or XXXX or USPS with delivery confirmation/signature required so proof of delivery is available. I have filed multiple disputes with XXXX  and XXXX with no changes made. I have sent them all the supporting documents including proof of all payments made, Statement of Intent, a letter from our attorney 's office, and proof that we are current on our payment to Wells Fargo. How can this account be being reported as closed when we are clearly making payments to them? Today, XX/XX/XXXX, I was told by XXXX   that the documentation I provided was not enough for them to make any changes. When I asked what was needed the agent told me they don't have a specific list of what documentation would change the status because Wells Fargo is their client and they have to go off of what they are reporting. I feel the last 2 months of trying to dispute this have been a waste. What good are these credit reporting bureaus if they work for the companies that are reporting to them? Where is the consumer protection in this when there are disputes. This error on Wells Fargo part is severely impacting our ability to get another mortgage. OnXX/XX/XXXX I submitted all the same documentation to Wells Fargo and was suppose to have an answer from them by now about how to resolve this incorrect reporting/not reporting to the credit bureaus. I am including all documentation sent to Wells Fargo and the credit bureaus as well as documentation of all payments made to Wells Fargo.
Product: Checking or savings account

Ally Bank advertises that it offers XXXX payment services but does not instantly transfer the funds. On XX/XX/31, I needed to move funds from my Ally savings account to my own account at another bank. To avoid the delay of a regular bank-to-bank transfer, I made a XXXX payment to myself XXXX which according to XXXX terms and Ally 's website would appear instantaneously in my other account. XXXX did not seem to be working on Ally 's online banking site, so I had to call in to Ally 's customer service to effectuate the XXXX payment. The customer service representative recognized that I was making the payment to myself. Ally withdrew the funds instantly from my savings account, but delayed sending the funds for two days. Hence my supposed XXXX payment was no faster than a regular transfer. Ally benefited from instantly removing the funds from my savings account, because Ally could then earn interest on the funds and avoid paying ME interest on the funds. I lost interest on the funds altogether, in both accounts. Ally is deceiving consumers by offering XXXX but unfairly failing to carry out payments properly.
Product: Credit card or prepaid card

I had a secured master card with 5th 3rd bank. Every time I call requesting that all my accounts be closed I get a different excuse as to why it cant happen. I have been asking since XX/XX/23, yet they keep taking on fees. This bank is flat out stealing from the customers
Product: Debt collection

There is a collection that just showed up on my credit file which I do not owe any medical debt, this is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) maXXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023, I got a response from Capital One that my credit limit increase request was denied due to legal action pending against me.There were no other further details that explained that meant. Ive a XXXX capital one cards for over a year and got a {$100.00} increase last year. 
I called Capital One customer service on XX/XX/2023 and talked to XXXX different people who couldnt help me. The last person I spoke with said no one at the company has that information and cant access it because they arent the ones who decide the reasons for any payment increase requests.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$820.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Amount : {$1600.00} Action : I was XXXX for XXXX years. From XX/XX/XXXX - XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXXXXXX XXXX Date opened : XXXX XXXX Amount : {$350.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXXXXXX XXXX  XXXX Date opened : XXXX XXXX Amount : {$1300.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX  XXXX opened : XXXX XXXX Amount : {$720.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$5000.00} Action : I was XXXX for XXXX years. From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and XXXX heard anything back from this company. 

XXXX XXXX XXXX XXXX Date opened : XXXX, XXXX Amount : {$1100.00} Action : I was XXXX for XXXX  years. From XXXX XXXXI have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXXXXXX Date opened : XXXX XXXX Amount : {$1600.00} Action : I was XXXX for XXXX years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$570.00} Action : I was XXXX  for XXXX  years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX Date opened : XXXX XXXX Amount : {$960.00} Action : I was XXXXXXXX  for XXXX  years. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am not an unauthorized third-party credit repair company. I am the actual person filing this complaint. PenFed is reporting multiple late payments on both of my accounts. I was on numerous COVID-19 hardship plans with PenFed. Once the CARES hardship programs ended, my ACH auto-draft was canceled by PenFed without my knowledge. PenFed told me that due to the CARES Act, no late payments or negative ratings would be reported to the credit bureaus. I also sent an email to PenFed 's CEO XXXX. Also, my account records show payments made for every month they are reporting late payments. I have sent numerous letters to XXXX, XXXX, and XXXX, disputing my credit report 's inaccurate late payments and inquiries. And I am asking for the late payments to be updated to never late. Each bureau is reporting different months of late payments for months that I was never late. My Letters dated XX/XX/2021 asked for verification and a reinvestigation, and over 60 days later, I have not received any response or correction from XXXX, XXXX, or XXXX. I want these late payments and inquires removed because XXXX, XXXX, and XXXX have failed to respond to my request in my XX/XX/2021 dispute letter.
Product: Mortgage

We had a balloon mortgage with Shellpoint Mortgage Services. The balloon expired and they did not notify us or give us an opportunity to refinance. They put our house in foreclosure. They did not notify us of that either. The only way we were informed is when we were contacted by an attorney to help with the foreclosure. Because they put us in foreclosure, our credit report reflects that and now we can not get a loan. Shellpoint is putting our house up for auction. We fortunately have a lot of equity in the house and were told by many lawyers and real estate agents that some mortgage companies do this to get the equity.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 have provided these companies with the documentation required to have accounts listed in the attached documentation, yet some accounts still remain. Ill, again, attach the documents designated to have the accounts reference removed in hopes they would this time follow the law and have it removed.