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

Subject : Complaint Regarding Charge-Off on Loan for XXXX XXXX XXXX To Whom It May Concern : I am writing to formally request the CFPBs assistance regarding a charge-off reported on my account for a XXXX XXXX XXXXXXXX. The charge-off, reported on has negatively impacted my credit report and financial well-being. Despite attempts to resolve this matter with the lender, I believe this charge-off may not be accurately reported or may not reflect my efforts to make good faith payments.

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate or misleading information on my credit report. Additionally, if a third-party debt collector is involved, I am entitled to fair treatment under the Fair Debt Collection Practices Act ( FDCPA ). I am concerned that the lenders handling of this charge-off may not be in compliance with these regulations and may reflect inaccuracies that harm my financial reputation.

Therefore, I respectfully request that the CFPB review this matter and, if appropriate, seek the deletion of the charge-off from my credit report to reflect a more accurate credit history. Alternatively, I ask for any corrective action necessary to ensure that the lenders reporting practices align with FCRA guidelines.

Please feel free to contact me for any additional information or documentation needed to proceed with this complaint. Thank you very much for your attention to this matter and for your attention and for helping consumers like myself recieve fair and accurate credit reporting. 

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

Within 30 days these credit bureaus have not responded to my attached letters on items that are not supposed to be listed on my accounts. Please remove listed items. This is impacting my ability to buy a home for my sons.
Product: Prepaid card

I have received numerous American Express gift cards from my employers over the past few years. I could use them almost anywhere - XXXX, XXXX, other online vendors, grocery stores, sports stadiums. Sometime between XXXX, all stores stopped accepting my digital cards. 

The cards would be declined by American Express, even though I had sufficient balances on the cards. When I called in to ask about it, American Express representatives assured me that this was to prevent fraud. They explained that they were no longer allowing most online payments for my type of virtual gift card. They assured me I would be able to add the cards to my XXXX XXXX and use it at brick-and-mortar stores. Contrary to those assurances, the cards were also declined at those stores. 

I can not use these cards anywhere - I have been trying for months. 

I called American Express and asked to have my balances transferred to physical cards. I was told the type of gift card I was given can not be transferred. 

In my discussions with several American Express representatives, they told me that these prepaid gift cards can not be charged too close to their current balance, nor can they be used for partial payments. This policy appears to be designed to skim money from every single gift card. 

I currently have a balance of {$150.00} across four gift cards that I can not use. This was money given to me by my employers. At the time of purchase, these cards were usable - I have used each of them for at least one transaction. Sometime after their purchase, American Express stopped allowing me to use these cards. 

My employers ( the purchasers of these cards ) have been similarly unable to get American Express to release my money. 

American Express Prepaid Card Management Corporation is holding my money hostage and refuses to offer me any viable solutions to release my funds. I have spent hours on the phone talking to multiple company representatives and all they can tell me is that I should try again at another store. They tell me they are working on a resolution but it's been nearly a year with no change. 

Moreover, American Express continues to advertise their gift cards as " Widely Accepted. Use this Gift Card at merchants that accept American Express Cards in the U.S. '' And : " You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . '' This is no longer the case and the company knows this. 

I have found numerous accounts complaining about this issue. Physical cards are more likely to be accepted but digital cards are increasingly hard to use. I am finding it impossible. 

I have also filed a complaint with my state 's AG about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I am currently late every month in an account that they write off in 2019 as bad debt. They issued me a 1099-C that I had to include on my taxes and I am not currently late for any payments because the account is closed and should be reporting a XXXX balance. According to the law once a company has issued a 1099c for the debt. The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. Both experian and XXXX are reporting this account incorrectly despite several dispute requests.
Product: Mortgage

I was sick in the hospital and miss forbearance payment was told I could make the payment then I was told I default in the plan I was has to put the application back in to ask for help was deniel with no income asked for please see the attached documents
Product: Money transfer, virtual currency, or money service

WELLS FARGO This was an item I was selling on XXXX  my buyer wanted additional pictures which I obliged she was unable to place order she said she would get assistance from XXXX  support and second person entered chat with an badge with a picture saying they were from XXXX  support to help so after that and 2 days of being told that I had to add credit to my account since I have never sold with them before but I would get the money back once the transaction was completed so I was told to send {$150.00}, then, {$200.00}, then {$500.00}, {$500.00} again and at XXXX I advised that I was not sending another penny and would be notifying my bank first thing in the morning which I did. I filed a fraud claim with Wells Fargo first thing this next morning especially since I was told that they collaborated the CIA, FBI, AND HOMELAND SECURITY and said they had all my information address, phone number and they threatened that they were going to be sending them to my house so I just said I was see them when they got here. Now Wells Fargo was called and emailed all of the text messages and the email advising XXXX  of the scam Wells Fargo did a provisional credit to my account and told me that after XXXX weeks if there was no dispute from the persons committing the fraud leaving it uncontested the claim was going to be closed and the money will remain in my account I again emailed everything corespondent wise to the WF claim department havent heard anything until yesterday when they took the money right back out of my account I was not told it was just done I called and was told something along the lines of they were not going to be able to recoup the funds so they were taking it back out of my account I had to call XXXX and then I was transferred to XXXXXXXX XXXX XXXX  and was told there was nothing they could do I needed to file a police report I left a voicemail with a detective today with the XXXX XXXX XXXX XXXX requesting a call back. This complaint is to address Wells Fargo for taking {$1300.00} out of my account after advising that after a certain amount of time all is right with the world Ive banked with for over 20 years and have never had anything like this happen before Ive always been under the assumption that the money is a bank is insured for issues just like this I have all texts and emails if you require them but what they have done to me is detrimental to my health and finances I am going to be unable to pay my bills and I have XXXX medical procedures coming up
Product: Payday loan, title loan, personal loan, or advance loan

On XXXXXXXX XXXX, I was desperate to obtain a loan that would enable me to meet my bank overdraft and cost of living. I was immediately contacted by Spotloan and offered {$800.00} which I accepted and e-signed for and gave them my banking information. Then I received online their massive terms requiring me payback loan XXXX over a XXXX month period with 600 % interest. They are headquarter on XXXX ReXXXX I immediate called them back, told them I could not accept the loan, refused to sign the agreement but they said they were going to send it anyway to my XXXX Bank Account the next day XXXX XXXX. I asked my bank to not accept loan but because I was overdrawn they claimed they had to accept loan anyway. I do not want this predatory loan but dont know how to stop them from taking {$3200.00} over a 9 month period for a {$800.00} loan. 

Spotloan XXXX XXXX XXXX XXXX ND XXXX ( XXXX ) XXXX
Product: Credit card

I am writing formal a complaint against Total Visa XX/XX/XXXX XXXX regarding an ongoing issue with their handling of increasing the available credit on my account. 

Despite multiple attempts to request an increase in my credit limit via phone calls and emails over the past several months, Total VisaXX/XX/XXXXXXXX has failed to make any adjustments to my available credit. These requests were made in good faith and followed all the procedures outlined by the company. Unfortunately, my efforts to address this matter directly with them have been met with unresponsiveness and inadequate customer service. 

The lack of responsiveness has caused considerable inconvenience and frustration. As a result, I am seeking your assistance to address this issue and ensure that Total Visa Credit Card XXXX adheres to appropriate customer service standards and fulfills their obligations regarding available credit adjustments. 

For your reference, I have attached copies of my communication with the company, emails requesting the available credit increase. 

Despite multiple assurances from their supervisors and adherence to their payment posting matrix, my credit limit has not been adjusted as promised. 

On several occasions, I was informed by supervisors at Total Visa that my available credit would be increased immediately upon sending verification of payment via email. I complied with this request and have attached the email verification and relevant documentation to this complaint. XXXX XXXX at Total Visa confirmed receipt of this email. However, despite this confirmation and adherence to the payment options matrix provided by Total Visa ( also attached ), my credit limit remains unchanged. 

Additionally, I spoke with a supervisor on Wednesday, XX/XX/XXXX, who assured me that I would receive a callback from a XXXX within XXXX hours. To date, I have not received any such callback. This lack of follow-through and communication, coupled with what I perceive as deceptive business practices, has led me to seek your intervention. 

I kindly request that the CFPB assist in addressing this matter to ensure that Total Visa fulfills their commitments regarding available credit adjustments and to bring awareness to their business practices for the benefit of other consumers. 

I would greatly appreciate your intervention in this matter to facilitate a resolution. Please let me know if you require any additional information or documentation to process this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Mortgage

My FHA original mortgage balance ( and based on my amortization schedule ) reached below the 78 % LTV over 5 months ago ( XX/XX/2017 ). Although I have met all requirements under HPA and FHA guidelines, my mortgage service company ( HomeBridge Financial Services ) has continued to collect PMI. In XX/XX/2017 I also received a letter stating the PMI would be cancelled due to the requirements being met. Having attempted to contact them on several coactions, beginning the end of XXXX, I was informed that it was my responsibility to inform them of this fact along with a requirement for me to email their PMI department at XXXX. I informed them of their lender responsibilities to automatically remove the PMI payment once the principle balance had reached 78 % of the original loan amount and demanded they cease billing of the PMI on future bills/payments along with a refund of the PMI payments paid plus interest on those funds. Since the initial telephone call and conversation, I have attempted to resolve this issue four more times without success. At this point I am having extreme difficulty gaining assistance and am continuing to be billed for the PMI payments. Any assistance would be greatly appreciated.
Product: Checking or savings account

Navy federal lawsuit I want to enter the lawsuit for overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, the following accounts has violated my rights : -XXXX XXXXXXXX : account number XXXX -XXXX XXXXXXXX : account number XXXX -XXXX XXXXXXXX : account number XXXX XXXX XXXX XXXX account number XXXX -XXXX XXXX XXXX XXXX : XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S. Code 1681 section 602 ( a ) states that I have to privacy. 15 U.S. Code 1681 section 604 ( a ) section 2 states a consumer reporting agency can not furnish your account without written instructions,
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Money transfer, virtual currency, or money service

I have been using World Remit regularly since at least 2017 to send funds to my friend in XXXX. I know this XXXX  man personally, and he runs a non-profit that helps vulnerable children, youth, and women. I send funds regularly to help with rent, educational expenses, medical expenses or food. I often send my own funds several times a month or funds on behalf of friends who are not tech savvy. I went to send funds again last Friday, and my account has been disabled. When I inquired with the company, they asked for some basic information including my last transaction number. The only response I got was that my account didn't meet their " approval criteria. '' I went back and looked at their rules and don't see anything I did wrong. They have refused to answer any further inquiries including on their feedback. Not only am I unable to use them to send funds, but my disabled account means I can't go back in and look up my history of transactions. In addition, I was needing to send funds over the weekend for a medical need and was unable to do so due to this arbitrary disabling of my account. This is wrong and dangerous. They have the right to decide I can not send through them, but I would like to understand what has prompted this arbitrary action. I would also like to see my history of transactions. I am currently finding alternative options, but it is disappointing that a company who made money on me for the past several years ( a company that I had recommended to others ) has behaved in this fashion. Please help.
Product: Credit card or prepaid card

A {$3900.00} purchase was made online on XX/XX/XXXX XXXX from my apple credit card. The package was broken when I received the product so I returned All the merchandise back to the seller on XX/XX/XXXX at XXXX : XXXX and received a receipt that showing the merchandises have been returned and a refund $ {$3900.00} was issued back to my apple credit card. 


In XXXX, the credit card billing statement still charged {$3900.00}. I contacted with apple credit card customer service stating that the merchandise was returned to the seller and I have the receipt for the refund sent back to the apple credit card. Then I sent pictures of the receipt which shows the products was returned and refund was issued back to the card to the customer service specialist though email on XX/XX/XXXX and online chat on XX/XX/XXXX. I have contacted the business where the purchase was made from many times and they state that they have issued the refund back to the card. 

After that, the apple credit card continue to charge me for that {$3900.00} merchandise which has been returned. I have contacted apple credit card many times to dispute that charge but every time they close the dispute and send me the bill to ask me pay {$3900.00} for the Merchandise which I don't have. Today I called the customer service of apple card again and they hang up the phone.
Product: Credit reporting or other personal consumer reports

I have reached out multiple times trying to figure out what is going on with my Equifax. It hasnt been updated since 2022. It doesnt have any of my recent credit cards, auto loans, mortgage, anything. The only accounts I see on my credit report are a total of 4. Nothing I do has been working. Ive reached out to customer service, send in information and nothing has worked. When I login to Equifax, it says my account has a technical error and the code is XXXX. Ive stated this to the reps with no success as they dont seem to know about this error. I just wanted my credit updated.
Product: Money transfer, virtual currency, or money service

I have a cash app account. Cash app has a rewards program for referring people to cash app. I send a referral to a family or friend, they sign up with my code and after meeting requirements I get {$15.00} and they get {$5.00}. I will attach a list of requirements from the terms and conditions. When we sign up for cash app we have to agree to the terms and conditions. This outlines everything from Limits, to disputes, rewards. Once I hit accept. It becomes legally binding. If I were to violate any term or conditions they could enforce it. This is outlined in XXXX XXXX. The requirements to receive a welcome bonus are to sign up for, link a debit or bank account or activate a cash card for people under 18 and send {$5.00}. Sponsor to sponsored accounts are not eligible. I sent a referral and met the requirements outlined under the terms and conditions I agreed to. The referral bonus was denied for both accounts. I reached out to customer service and they wont provide an exact reason but they outlined requirements that have a lot more stipulations than what is laid out in their T & C. This information is not readily accessible for an account holder to view. I take this to be fraudulent and a deceptive practice they use in an attempt to get more people to open cash app accounts. Theres no accountability with them, you get nowhere talking to them as when they feel backed into a wall they say they have provided all the information they can and abruptly end the chat. If new conditions are added to the requirements they need to update their terms and conditions and have everyone agree to it. Its fraud and deception and the CFPB should investigate.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to negligent noncompliance with the Fair Credit Reporting Act ( FCRA ) by both Experian and Equifax regarding inaccurate late payments and collection accounts on my credit report. 

On XX/XX/year>, I submitted formal disputes to both credit bureaus requesting a reinvestigation of inaccurate, unverifiable, and outdated negative items under 15 U.S.C. 1681i ( a ). Despite providing supporting documentation and requesting proper validation, both companies failed to conduct a reasonable reinvestigation as required by law.

The inaccurate items remained on my report without proper verification or correction, and I was not provided with any valid proof that the disputed accounts were accurately reported.

I have taken multiple actions, including : Submitting disputes in writing with supporting documentation Following up with both XXXX and Equifax for a status update Requesting a clear explanation of their verification process Asking for proof of accuracy, which was not provided Despite my efforts, the credit bureaus have continued reporting inaccurate late payments and collections, which have negatively impacted my credit score and financial opportunities. Their failure to ensure accuracy ( 15 U.S.C. 1681e ( b ) ) and failure to properly reinvestigate my disputes ( 15 U.S.C. 1681i ( a ) ) constitute negligent violations of the FCRA under 15 U.S.C. 1681o.

Resolution Sought I request that the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX and Equifaxs noncompliance and require them to : 1. Immediately delete or correct all inaccurate, unverifiable, and outdated late payments and collection accounts 2. Provide documented proof that these accounts were properly investigated and verified 3. Ensure future compliance with FCRA regulations to prevent continued harm If XXXX and Equifax fail to comply, I am prepared to escalate this matter further through legal action for damages under 15 U.S.C. 1681n and 1681o.