23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Sezzle is a company that has an app that lets you make charges and pay them back in four payments. Each one is spread out by two weeks. You can post pone them as well for a few. 

Sezzle has been great for a year or so. Suddenly they show up on my credit report as if they gave me a one time loan of {$2000.00} and I have been making XXXX XXXX monthly payments to them for it. This is not accurate at all and is not how they operate. No other pay in four company ( XXXX, XXXX, XXXX, etc ) shows up like this either. There is not a set amount they gave me at once and no one time monthly payments I make back to them. 

For example if you buy something for {$20.00}, you pay {$5.00} up front and pay them back {$5.00} in three payments over six weeks, theres no set in stone lump sum as they have reported to the credit bureau. 

I had multiple payments set up but not for this amount. 

My issue is on top of this, out of nowhere they reported I missed one of these imaginary payments that dont exist and ruined my credit. I immediately repaid everything I owed them and closed my account. This was over two months ago now. 

I reached out to Sezzle and got an email apologizing and saying it can take three weeks to update on my credit report and it would be ok. 

Now like another slap to the face they have reported a second late repayment for these nonexistent amounts, after I paid them back, and cant sign in to prove it Im stuck now and really need help, since apparently they can continuously do this to me each month and I cant defend myself. 

I have attached some receipts to show examples of how they are paid back, as you can see there is no once a month {$200.00} payment I owe to them as reported on my report by them. Its cut into sections with no set in stone date. 

Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and and XXXX I withdrew {$220.00} and {$500.00} from My grain credit wallet I have made numerous payments since then.On XX/XX/XXXX Grain sent me a statement showing that after interest and payments made that I owe {$680.00} and my next payment was due on the XXXX of XXXX but they reported to credit bureaus that I owe XXXX and am using 178 % of my credit limit with them when I am only using closer to 91 % the app to make payments has also been down and they have tried to make updates but it keeps me in a loop so I cant even add my bank account to make payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two moneylion credit plus loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.
Product: Credit reporting or other personal consumer reports

I filed a dispute on Account # XXXX XXXX XXXX. And Account # XXXX XXXX XXXX XXXX  XXXX And Account # XXXX XXXX XXXX XXXX XXXXXXXX. And Account XXXXXXXX XXXX XXXX XXXX due to Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Experian ). They alleged the company of accepting unreliable information. failure to notify consumer dispute results.This aligns well with my situation! Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting house Experian violates my rights as a consumer, as well as feder laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cosigner on a student loan for my daughter. I have tried to stay current on this loan even though I was laid off due to covaid19. My daughter XXXX XXXX called the company to put her loans in forbearance which was granted on her loans, just not this loan which she was unaware of. If you`re calling for forbearance why wouldn't you do all your loans? She made payments on loans without being aware of where they were going to apply them. This whole process was confusing as to what was owed and when. I was told all taken care of by her. The company is saying I was past due in an XX/XX/XXXX electronic letter which I didn't see till XXXX for XXXX. My credit report shows a late payment for XXXX for XXXX. Yet the company sent a response saying no payment posted til XX/XX/XXXX and then they sent the letter out. Why doesn't the credit report show XXXX late if they received no payments? I didn't receive any non electronic mail on the problem until XX/XX/XXXX when I immediately made payment. She attempted to get an explanation from the company as to why only one loan was in forbearance and not the other. She tried to get an explanation as to why the money paid went to certain loans and not others. I am attempting to point out that the whole process is confusing and not being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan Management Services is discriminating against us as XXXX XXXX XXXX  and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX  during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from Rushmore Loan Management Services who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. Rushmore chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX XXXX  and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by Rushmore Loan Management Services. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by Rushmore Loan Management Services who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

Rushmore is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was hospitalized for 35 days including XXXX  for a XXXX XXXX  condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX XXXX who experienced an extenuating family medical and financial emergency, as opposed to other XXXX   XXXX. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.
Product: Bank account or service

I had an insured money director account in XXXX Bank of New York. 
I used it to pay some bills. In XXXX XXXX i sent a check to XXXX XXXX that was returned in XXXX XXXX with a legend : Return reason-e : unable to locate acct. 
Since then i have trying to get in contact with them but had no response.
Product: Checking or savings account

This morning I checked my checking account and found that there were funds taken from my account twice - once from the previous month, and this month - services I already paid for, and that were deducted from my account on the days they were reported. My account, on the days in question had about a thousand dollars in it, enough to cover XXXX bills and payments. These are not accounts that have my account information, XXXX XXXXXXXX, XXXX XXXX, or XXXX XXXX. I went into a US bank branch to stop them from allowing XXXX to take money out of my account, as I'm unable to reach anyone from XXXX, to have them fix the issue. Here 's the crux of my complaint. A bank can not charge your account twice for services it's already allowed to be taken from your account. I want my money back, and If this persist, I will file a civil suit against USBank corp.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law FCRA section 609 Fraudulent accounts include : XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX  opened XX/XX/XXXX balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX $ Fraudulent address never lived that : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiri

es 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 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.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the accounts listed have errors in reporting, amounts, and dates.
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 ). Specially, 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: Debt collection

I had a collection account that was paid off through an offset to my federal taxes. The account was not removed from my credit report, so on XX/XX/XXXX, I called Harvard Collections and they requested that I send an email to them with an attachment showing that the debt was paid. I did this on XX/XX/XXXX as well. I also filed a dispute with all 3 credit bureaus. Harvard responded to my email saying the account was submitted for deletion on XX/XX/XXXX. The account did come off of both XXXX and XXXX initially, but now it is back on there. As for XXXX, the debt never deleted and is now listed as being verified on XX/XX/XXXX. This is the same date they claim they submitted the request for deletion, and well after the debt was paid. As they are the company reporting the negative information, they have a duty to verify the accuracy of the information they report, which they are apparently failing to do.
Product: Credit card or prepaid card

While vacationing in Florida with my son, we were approached at XXXX XXXX but a representative of American Express named XXXX. He was trying to sign people up for Amex Blue Cash cards. I told him I used to have one and that I already had a Delta Gold Amex card. He said I was still eligible for all the offers that day, including Free Fast Pass, 0 % introductory APR and {$100.00} welcome bonus upon spending {$1000.00}. They even printed the card right then and there to use. They also printed the terms and conditions. Because I was walking into the theme park they even offered to shred the terms and conditions because it had my info on it. When I messaged Amex to find out when the credit was to be applied they told me I wasn't eligible. After waiting 9 wks for an " investigation '' I was told I should have read the terms AFTER getting my card and that there was nothing they could do. I am owed the {$100.00} statement credit. Their employee misrepresented the offer, most likely in an effort to receive his commission. Amex fraudulently represented themselves in order to obtain my business
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX ... .Last due dates reported incorrect. And different dates ... .in all 3 Berous. XXXX, TRANSUNION & XXXX. ...
Product: Debt collection

Several accounts were opened with XXXX XXXX using my information and ID. Even though I have submitted documentation that these accounts ( XXXX XXXXXXXX, XXXX XXXX, XXXX Visa ) are fraudulent, XXXX XXXX   continues to contact me for payment. On a half dozen times each, theyve contacted my parents ( both at work and on their mobile numbers ), two of my brothers and they have contacted me at work five times even though I have told them to stop because I can not receive calls at work. They called twice today, XX/XX/XXXX. The first time I spoke to them, I told them never fi call me at work again. They said if I didnt, theyd garnish my wages even though that requires a court order. XXXX has been involved in countless lawsuits over this behavior, yet it continues. The second call of the day was a voicemail. And these accounts arent even mine!!
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. 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 those account 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.

( CREDITOR NAME ) 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

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, US DEPT. OF EDUCATIONXXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy.15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I had requested an official verification of debt under the FDCPA and Hawaii FDCPA from a collection agency, named Argon Agency located XXXX, XXXX Hawaii. The legal definition of " verification '' means to affirm by oath or affidavit. Unfortunately, the alleged debt collector failed to do this even though I had requested it in writing several times. 

They have consistently defamed me to the consumer reporting agencies fraudulently without verification or acknowledge my dispute as a disputed debt, blatantly misrepresenting the debt. 

These acts have caused great injury and irreparable damages in blocking me from credit worthiness that has negatively affected my housing and financial situation.
Product: Credit card or prepaid card

I opened the American Express XXXX and XXXX card in XXXX after entering XXXX XXXX. Despite AMEX stating on their website that Military Lending Act protections are applied automatically, I was charged the annual fee for both cards. 

XX/XX/XXXX - Platinum Membership Fee appeared on my statement - {$690.00} XX/XX/XXXX - Gold Membership Fee appeared on my statement - {$250.00} I called American Express shortly after, expressing my concerning. The representative said that the protections would be applied and I would be reimbursed. I was not. 

This year, I was again charged the annual fees. 
XX/XX/XXXX - Platinum Fee - {$690.00} XX/XX/XXXX - Gold Fee - {$250.00} Totaling {$1800.00} in fees that I should not have been charged per the XXXX. 

Since being charged the fees this year ( XXXX ), I have reached out to American Express multiple times. 

XX/XX/XXXX : A customer service representative on the online chat stated I was ineligible for XXXX because XXXX debt incurred after XXXX XXXX. '' This is a blatant misrepresentation of XXXX protections and is incorrect information. 

XX/XX/XXXX : I called AMEX directly who stated I would receive information within the month. I did not. 

XX/XX/XXXX : I called AMEX directly. The representative looked over my information and stated that they saw my requests in there from last year. He stated he would submit the information again and I would hear back within the month. I did not. 

XX/XX/XXXX : A customer service rep on the online chat stated that they would submit an XXXX application for me and ignored my attempts at telling them that I had already tried this multiple times. He stated I would receive information in XXXX weeks. I have not. 

XX/XX/XXXX : A customer service rep on the online chat stated that the eligibility is still being processed and recommended I " may be instead eligible for the XXXX benefit. '' Again, this is a blatant misrepresentation of what I want and they refuse to acknowledge that they owe my the annual fees. She then directed me to a representative that would cancel my cards- which is not what I want. 

Upon request I can provide : - Credit card statements reflecting all XXXX charges - My military orders showing my XXXX XXXX time began prior to opening both cards - A statement from the XXXX XXXX XXXX XXXX reflecting my XXXX XXXX status
Product: Money transfer, virtual currency, or money service

RE : Chase Bank ATM, To whom it may concern, I want to file a complaint with the Consumer Protection Bureau. On XX/XX/2019. I use the Chase Bank ATM, that is located at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX to withdrawal {$300.00} dollars using my XXXX XXXX XXXX debit card ending : XXXX. Once the Chase Bank ATM Approved the withdrawal for {$300.00} dollars, the machine didnt give me the funds or any receipt, but it shows the money being debited from my XXXX XXXX checking account for {$300.00} dollars plus the ATM fee. Ill immediately filed a complaint with XXXX XXXX  and they gave me a claim number which is claim # XXXX. So, they told me to call back within 2 weeks to check the status on the claim. 2 weeks later I call again, and they told me that Chase Bank hasnt respond to their investigation, so they told me to follow-up by the XX/XX/2019, thats the final day for the investigation which the other bank institution ( Chase Bank ) should already respond to their investigation. Today is already XX/XX/2019. Ill have checked my bank account and the funds it still not available in my XXXX checking account. I will like the Consumer Protection Bureau help me follow up with this complaint, so I can get my {$300.00} dollars back. Respectfully, XXXX XXXX XXXX.