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

On   XXXX   XXXX   XXXX     I initiated a bill payment at a  XXXX  I have been to before several times for the same service.  XXXX  is not the problem here. But they have a bill payment service that runs through  CheckFreePay, w hich is a payment system used by other stores like  XXXX . My issue is with CheckFreePay losing my money and delaying payment.     As a customer using the  CheckFreePay  service at such large department stores that offer it, you can pay a small fee  ( {$1.00} ) t o send a bill and pay it with debit, which I did. I used a prepaid  XXXX  debit card ending in  XXXX  which was charged {$500.00} ( I can see its transaction history online ) and I paid a bill to my equity line in the amount of {$490.00} ( $  XXXX  $  XXXX  {$500.00} ). The payee is  XXXX   XXXX , which is in the store 's bill payment system, and the  XXXX   XXXX  clerk was familiar with this transaction as I had done it several times before this year. I was given a receipt after the clerk was successful in entering all information, including my  XXXX  account number, which ends in  XXXX , from my supplied bill.     The payment never reached  XXXX  and I had to pay them another way to be on time for the statement ending in mid  XXXX . I called  XXXX  and they told me to try callin g CheckFreePay  at  XXXX   XXXX   XXXX . On   XXXX   XXXX  , the CS rep acknowledged that at the end of  XXXX , the company experienced a serious system failure and could not be sure when payments would be sent or the problem fixed.     I waited and on   XXXX   XXXX   I called  XXXX  to find the payment still had not been sent and so I called CheckFreePay again. I went through menus telling of the issues for   XXXX   and got through to a rep each time I called, but once I told them what I was trying to get fixed, they said they had to put me through to another department. As though there were some sort of planned scam going on, once I was transferred, all calls suddenly got routed to totally different companies! It was as if each rep was sending me away. For the first three times I tried calling in about my issue, I was put through to  XXXX , the software company, which is completely unrelated to CheckFreePay, and a rep there was even telling me how this was happening all day!     Finally I did get someone at  CheckFreePay  that was willing and able to keep me on hold while dialing a supervisor. That person eventually came on to tell me that the payment was in fact sent   XXXX   XXXX  . These payments usually go through electronically and I can see them on the receiving end in a matter of days.  XXXX  said they did not have the funds. So where is it? Even if they mailed a paper check it should have been received by now. The supervisor I spoke to gave me ID #  XXXX . I have no idea where my money is and am asking for {$490.00} to make it to my  XXXX  account right away. If this is not done quickly there will be interest penalties or late charges.     I have the supplied  XXXX  receipt with  Reference  #  XXXX .
Product: Credit card

XX/XX/XXXX, I spoke with a representative from the 5/3 credit card division in the dispute department and spent XXXXXXXX minutes explaining what the dispute was about and answering all question. The dispute simply was stagnant and now I just received a letter asking the same identical questions that the previous dispute resolution specialist had asked. The person named XXXX, supervisor, could not explain to me why I was told on XX/XX/XXXX that 5/3 had all of the information needed and would immediately notify the hotel of the dispute. This did not happen. 
The letter sent to me did not ask anything different from the XXXX minutes phone call to the dispute department on XX/XX/XXXX. 
I was mislead ; the information was not properly documented ; the representative\ caused me to believe that all was find, nothing else needed, and the vendor would be notified. This is a way to avoid attempting to bring resolution. Nor have I been given temporary credit. I simply wasted 5/3 card services time as well as my own. 

Also I have this concern : Advertising and marketing, including promotional offers ( confusing or misleading advertising, didn't received advertised interest rate ) Initially on the phone when I did a balance transfer last year, XXXX, I was advised several different times that this XXXX APR would be applied to my purchases as well. 
It does not. 
I have been an excellent customer but the services has not reciprocated. 

I am now speaking with XXXX overseas and I am finding out that the letter was useless. The questions XXXX asked me XXXX did not and the letter did not. 

XXXX is now telling me to disregard this letter because other questions should have been asked. 

This is the same way I was given wrong information about the XXXX APR on purchases as well the balance transfer. 

Some representatives like XXXX appears to be untrained and will tell the consumer anything to get them off of the phone.
Product: Credit card or prepaid card

I paid off the majority of my credit card : Freedom from Chase. I have never had a late payment with them. As soon as the pandemic for Cornavirus hit, Chase decided to reduce my credit limit drastically. I have not used my credit card, but this has damaged my debt to credit ratio drastically. According to Chase they reduced my credit limit from a credit report that was pulled on XXXX XXXX, before the pandemic. They decided to reduce my limit until I paid it off and the pandemic hit.
Product: Credit card or prepaid card

I paid the full amount of this account off which was in the amount of {$2700.00} On XXXX/XXXX/2014
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I signed up for XXXX XXXX ( Agreement ) with XXXX, such agreement was never reported on my credit report until this year. XXXX was acquired by XXXX. However, this agreement now reflects a " loan ''. No where on my agreement with XXXX agreement states that this agreement was a " loan '' nor was there a " Truth in Lending '' statement. Such action is a violation of the Fair Credit Reporting Act and Truth in Lending Act.

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

I am submitting this complaint because Equifax is committing violations to my rights as a consumer. I am demanding REMOVAL OF THE FOLLOWING FILE from my Equifax report : Bankruptcy filed. Reference # XXXX. Date filed : XX/XX/2015. 

THE BANKRUPTCY FILE HAS BEEN REMOVED FROM XXXX XXXX   and can no longer be reported by the bureaus. Equifax MUST delete it from my report. I want my financial freedom back and it is my right to have your assistance. 

I expect this file to be off my report in the next 30 days. 

Please see attached XXXX XXXX deletion letter ( Page 5 ). 

Thank you.
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 violates 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, I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I advised the credit agencies that my personal information should be reviewed & corrected. 

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fl XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting fair collections & Out has violated my rights. 15USC 1681 Section 602 states i have right to privacy 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX D.O.B : XX/XX/year> SSN : XXXX TO Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To whom it may concern, I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. Given 15 U.S. Code 1681. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are is proof of fraudulent activity.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a c
onsumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report, and I am like to invoking my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards. 

You will see proof attached that my data was breached on XX/XX/XXXX, a XXXX XXXX by the name of XXXX posted a database entitled National Public Data on a dark web forum, claiming to have the personal data of XXXX XXXX people, according to the complaint filed Thursday in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Florida, which said the group put the database up for sale for {$3.00} XXXX. This type of reporting by the credit agency is not factual, full or missing information, and NOT constitutional. Please see to it that these three agencies remove all negative reporting from my credit report as I have stated below and on all three letters to XXXX, Equifax, & XXXX.
Product: Payday loan, title loan, or personal loan

XXXX 2019. {$600.00}, {$100.00}, {$61.00}, {$33.00}. Advance Financal over charges to use the money everyday. Charge 2791/2 high interest rate. Going to stop electronic payments by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX
Product: Debt collection

I looked over my consumer credit report with XXXX, XXXX, and XXXX. they all have this Capital One Bank USA N account on my consumer credit report however each bureau is reporting on my consumer credit report differently with each credit bureau I disputed the information with XXXX and XXXX they are reporting false illegal and inaccurate information I would like this account removed, delete, and blocked off my consumer credit report immediately
Product: Credit card or prepaid card

My daughter had XXXX XXXX XXXX. This is considered XXXX XXXX not covered by normal health care policies. At the doctors office we used Care Credit and secured a loan of {$10000.00}. 5 years term at 14.9 %. we made monthly payment for 25 months with no issues. Suddenly Synchrony Bank expired the original loan agreement and now changed the rate to 26.99 % Synchrony Bank was not the visible lender at the doctor 's office. We contacted the Florida Office of Financial Regulation, Division of Financial Institutions chartered to regulate banking in Florida. But they are helpless. Synchrony Bank is a Utah chartered operating in Florida and under supervision of Consumer Financial Protection Bureau. This makes no sense to me, meaning Florida can not regulate its own banks operating in Florida.. Synchrony Bank XXXX XXXX XXXX XXXX, XXXX Florida. XXXX ( XXXX XXXX XXXX ) They have no legal right to expire an original loan agreement. <P/>The Florida Attorney General 's Office is now aware of this bank fraud. They are contacting Synchrony Bank but have also advised me to file complain with CFPB. You should follow up as soon as possible.
Product: Checking or savings account

On XX/XX/year> I received a promo ( XXXX ) from XXXX XXXXXXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX  offering {$600.00} if I opened an account with specific conditions. The reward consisted 2 parts. Get {$300.00} if I opened an account with XXXX and .make a qualifying direct deposit ( s ) totaling {$2500.00} within the first XXXX days.you qualifying direct deposits must be electronic-type deposit, including but not limited to, a paycheck or pension from your employer, government benefits ( such as Social Security ) , or other affiliated depositors. Another {$300.00} is rewarded if I produce XXXX debit transactions. 
I have received similar promotion in the past from XXXX XXXX XXXX XXXX XXXX and in each case I checked to clarify with banks what transactions qualify as direct deposits. With XXXX I actually checked twice because the amount of deposit I had to come up with was pretty high ( {$2500.00} ). I called XXXX and stopped by the closest office ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Both phone and in office person told that wire transfers are direct deposits. 
On XXXX XXXXXXXX XXXX I opened a checking account XXXX On XXXXXXXX XXXX XXXXXXXX I wired {$2300.00} from my company XXXX XXXX XXXX XXXXXXXX XXXX ) business account. I do not have a payroll because I do not have employees. I am self-employed, one man firm specializing in travel, and when it is slow I also do handyman work. The wire was a payment distribution. In addition I had XXXX payroll payments for handy work for {$180.00} ( XXXX XXXXXXXX XXXX from XXXX XXXX ) and {$200.00} ( XX/XX/year> from XXXX XXXX XXXX ). The total amount of direct e-deposits is {$2600.00}. I have met bank condition for {$300.00} reward for deposits. 

The XXXX did paid {$300.00} reward on XX/XX/year> for fulfilling XXXX debit transactions condition. But there was no reward for making {$2500.00} direct deposits? 

On XX/XX/year> I sent a note to XXXX asking where is the other {$300.00} reward. I also called. I got an e-response back saying that I need to wait till XX/XX/year>. 

On XX/XX/year> I received a phone call from XXXX. I spoke with XXXX XXXX. She said that my wire transfer is not a direct deposit and for that reason I am denied a reward. 

I am requesting assistance to get XXXX XXXXXXXX XXXX  attention and fulfill their advertised promotion. Having same bank XXXX person saying one thing, and another denying is horrible practice. How can you trust the bank after that?
Product: Mortgage

As of today, we have been through XXXX loan servicing companies : XXXX. XXXX XXXX XXXX XXXX XXXX, then changed to XXXX. XXXX XXXX XXXX XXXX, account sold to XXXX. SN Corporation SN Servicing Corporation Account Representative XXXX XXXX XXXX XXXX, CA XXXX Office : ( XXXX ) XXXX ext. XXXX Direct Line : ( XXXX ) XXXX Email : XXXX We paid the balance of the loan ; however, loan servicing companies changed their names-from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, and subsequently sold our information to another company, SN Servicing Corporation. They all kept harassing us, demanding to pay them the alleged debt which we do not owe them. We have sent them evidences which include XXXX ) Payoff Statement/Final Balance ; XXXX XXXX Cashier 's Check. They hired lawyers to collect the alleged debt and we provided them with the same documents ; they stopped. Our house was damaged by the snowstorm in mi XXXX of 2021, Insurance company sent them a payment on XX/XX/2021, they keep the money and refused to forward the payment to us. We filed a complaint with the Texas XXXX  XXXX XXXX, they investigated but then closed the case without any result.
Product: Debt collection

XX/XX/XXXX - Enter into a lease agreement for a family home for {$900.00} per month from XX/XX/XXXX to XX/XX/XXXX with XXXX. XXXX XXXX. Paid a {$900.00} deposit. ( XXXX, the home owner is XXXX. ) XX/XX/XXXX - XXXX XXXX XXXX and XXXX takes over the lease ( XXXX  has died ). 

XX/XX/XXXX - I respond to XXXX  claim about damaged sprinkler system ( there is no sprinkler system ; I have to drag hose ). I also advised them that I had also reseeded the lawn. 

XX/XX/XXXX - I question XXXX about renewing the lease and was told that owner was planning to sell the home. The lease was not renewed. I was my family might have to vacate on 30 days notice. 

XX/XX/XXXX - First advised XXXX that I and family would vacate at end on XXXX. Followed up with emails. This was acknowledged by XXXX. 

XX/XX/XXXX - Advised XXXX  that I would apply deposit to XXXX rent. They claimed I would owe a {$450.00} releasing fee. I had to remind them that I had been out of contract for over a year. They then acknowledge this, claiming they had misread the year. 

XX/XX/XXXX - Family moves out and leaves keys. 

XX/XX/XXXX - XXXX  claims {$900.00} deposit for cleaning and repairs. ( Bill had told me could use the deposit for last months rent. ) XX/XX/XXXX - I received a bill from XXXX for rent, late fees, cleaning and repairs in the amount of {$2700.00}. 

XX/XX/XXXX - I immediately respond to this claim with pictures and a written dispute to damages and cleaning : I had hauled truck loads of trash from back yard, had to repair plumbing with my own labor and parts I had purchased ( as landlord never responded ), holes in walls were preexisting ( I had put no holes in walls ), the sewer leaked when we moved in and I had done nothing to carpets. I also said I would provide additional photos upon request. 

XX/XX/XXXX - Hunter Warfield, a company hired by XXXX makes a collection claim against me for {$3100.00}. 

XX/XX/XXXX - Hunter Warfield sends another collection letter threatening my credit report ( and they file a negative claim ; against my credit that I have been trying hard to repair on my own ). 

XX/XX/XXXX - I sent a letter to Hunter Warfield ( copy to Ameritrue ) disputing the claim and demanding that they remove the negative credit complaint. 

Summary : I abided by the lease and a 30-day notice once the lease had been expired for more than a year. I cleaned up the property after moving in and did needed repairs, as XXXX  was unable to. The damage now claimed was pre-existing. I believing using the deposit for the last months rent was appropriate ( as the original landlord let believe I could do so. I thought I had finally resolved this with the substitute landlord until, about a year later, they send collection agency against me. Under the circumstances a negative credit report is wholly inappropriate, especially since the underlying claim has never been resolved.... 

Most of the referenced documents are in the possession of XXXX.
Product: Credit card

For years, I have been making payments from my XXXX XXXX XXXXXXXX account, which were posted instantly. However, after switching to XXXXXXXX XXXX, I have consistently experienced delays of over 7 days. My most recent payment, made on XX/XX/year>, is taking 17 days to post, causing significant inconvenience and financial strain. 

According to the information provided by Apple Card, " payments can be put on hold if youve paid using a new payment method or by check, or if youve previously made payments that were returned. In the future, payments made with XXXX XXXX are usually available immediately. '' None of these conditions apply to my situation. I have been using the same payment method ( XXXXXXXX XXXX ) for several months now, and there have been no issues with returned payments. Nevertheless, payments were not available immediately. 
These delays have affected my ability to fulfill financial commitments, as funds remain unavailable for an extended period. I have contacted customer service multiple times, but they have been unable to resolve the issue due to a lack of authority. 
The current situation is untenable, and I can not afford further delays.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 re
porting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.