23daVinci/CFPB_Complaints huggingface dataset:
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. The XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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: Debt collection

In XXXX 2013 I entered into an agreement to make monthly payments to P & B Capital for a debt from XXXX credit card that had been charged off on XXXX/XXXX/2013 in the amount of {$1600.00}. I was told by the collector that XXXX XXXX had purchased the charge off and sent the account to P & B Capital. My first payment began XXXX XXXX, 2013 in the amount of {$67.00}. My payment were monthly till XXXX of this year. I tried to contact the number I had written down when I entered the agreement in 2013, but was not able to reach anyone after I calculated I only had XXXX payment remaining. I received my first phone message to call the collection agency XXXX XXXX to discuss the missed payment. I called the collector on XXXX XXXX in the morning and was told that since I failed to make the final payment the agreement was now void and I owed {$600.00}. I was told by the collector that my payment had been returned. I told them I had not been notified by my bank there was a problem with the payment. I also communicated that no one contacted me to try to resolve the issue until now. After work on XXXX, I contacted my bank and was told that there was no attempt by P & B Capital to collect the final payment in XXXX. I feel that this is a " bait and switch '' tactic to collect more money from me. I called P & B and spoke with a floor manager after I called the bank and was told it was not returned by my bank, but by their system. I asked why they did not rerun the ACH since it was an error on their end. Was told company policy does not allow them to rerun if it was returned. Their policy is in place when there are insufficient funds as are majority of companies that run ACH transactions. This was not the issue, and I wondering if the transaction even was run at all since they knew it would be in default if the payment was missed. I asked them to work with the creditor who placed the debt to settle for the final last payment of the agreement, and I am waiting for a reply. However, I am under the impression that they will not agree after this mornings conversation they would only settle for half of the new debt amount. 
All I want resolved is my final payment to be taken in the amount of {$67.00} and for the debt to marked as paid. I refuse to pay more money to an agency who does not send out letters to collect and does not call. If they did call when I was at work they did not leave a message for me to call, so I have no idea if they did call or not.
Product: Credit card or prepaid card

Capita One credit card. I was not using the credit card. Unfortunately there was an recurrent charge that applied to the card that I was not aware of. Later I called for waiver and make the payment. Agent told me he placed an case to review the request on XX/XX/XXXX. later I didn't receive any update on the request. I also see agent did not make the payment that was due on XX/XX/XXXX. Again imposed another late fee.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item listed below for me to ensure accuracy. XXXX XXXX ACCT # : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX saying my identity theft may have been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company just appears on my credit report. From the report it says it was open XX/XX/ 2021. I never received a letter with any details on this. I have attempted several disputes. If this is my account show me I opened this account and that it's not 7 plus years old. I'm not even aware of the company. The balance says {$310.00}. The credit company place this on my.account out of no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 an 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

To whom it may concern, an update to my Consumer Report was made as of XXXX XXXX XXXX  This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XXXX XXXX XXXX  when I made my first complaint to the CFPB about this account Complaint ID XXXX XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking for a debt consolidation loan and have received at least 4 emails from agencies with various names stating that I'm pre-approved and telling me to sign in to verify. When I do this, I then get several emails from XXXX XXXX XXXX, XXXX XXXX, etc telling me I've been denied while also getting an alert from credit monitoring agency that I have a new hard inquiry on my credit. this has happened several times.

I've emailed the company ( XXXX XXXX ) without response. I've also filed requestes with transunion/XXXX for investigation. I'm working hard to rebuild my credit so this makes it very hard.
Product: Credit card

THIS ACCOUNT DOESN'T BELONG TO ME!!!! 



Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Terminated Terminated Account Status : Open Open Monthly Payment : {$0.00} {$230.00} Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$11000.00} {$11000.00} Credit Limit : {$25000.00} {$25000.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XXXX XXXX Comments : - - Date Last Active : XX/XX/XXXXXXXX XXXXXX/XX/XXXX Date of Last Payment : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communication regarding the fraudulent items that persist on my account. Despite my initial attempt to address this matter, the fraudulent charges remain unresolved. This letter serves as my second attempt to request the immediate removal of these fraudulent items. 

I am deeply concerned about the lack of progress in addressing this matter. The presence of fraudulent items on my account not only jeopardizes my financial security but also undermines my confidence in your company 's ability to safeguard customer accounts. 

I urge you to take immediate action to rectify this situation. I request that the fraudulent charges be promptly removed from my account, and any associated fees or penalties resulting from this oversight be waived without delay. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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

The credit bureau notified me of a 30 day late payment to my student loan. However, I was unaware of this discrepancy, and assumed my XXXX XXXX XXXX was notified of my XXXX status as of XX/XX/year>. I submitted documents, on XX/XX/year> after being notified that they were NOT aware I was in XXXX part-time. I submitted the XXXX XXXX XXXX XXXX for XXXX XXXX XXXX, and it was approved. I am in XXXX XXXX XXXX as of XX/XX/year>. I completed the paper work. I was NEVER notified via electronic delivery of a past due balance. I would like this to be reviewed please.
Product: Mortgage

In XXXX of XXXX I was approved for a trial period modification. The XXXX trial payments were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of XXXX. I was approved for the modification effective XX/XX/XXXX. I have made every payment on time since the start. 

On XX/XX/XXXX I received a letter from US bank informing me that I potentially would qualify for the " pay for performance '' incentive. That being up to {$5000.00} reduction in principal if I stayed in good standing during the term of the loan. The letter also said that I could qualify for an additional {$5000.00} principal reduction after year XXXX ( which should be XX/XX/XXXX ) - again if I stayed in good standing. 

I've called US Bank several times to inquire why I haven't received any of the potential {$10000.00} in principal reduction. They have acknowledged that they sent the letter - however they continue to tell me that they don't know why I haven't received the incentive. 

So my question is simple- why have I not received the " pay for performance '' incentive. And, what do I have to do to receive it? 

If for some reason I don't qualify - please tell me why. 

Thank You
Product: Credit card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX  and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit bureau has violated the FCRA AND CONSUMER LAWS by never deleting inaccurate ; multiple wrong last active dates, wrong amounts, wrong status, wrong opening date wrong date of last payment, and EVEN UPDATED CHARGE OFF STATUS ACTIVELY EVERY MONTH! LAST ACTIVE DATES ARE GROSSLY INCORRECT AND EVEN ACCOUNT TYPE. 
I have corresponded and begged for 4 months and they continue to ignore all of the proof I have attached here. 
XXXX has continued to report these false items as true on my credit report instead of deleting these numerous accounts as the laws state. 
XXXX XXXX accounts Capital One accounts and XXXX XXXX  WHICH HAS BEEN PAID TO XXXX ON XX/XX/23 This continues to destroy my interest rates, ability to have a vehicle, or buy a house on my fixed income of SSI I need the credit to be correct and its only right to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. XXXX, XXXX, Equifax has violated my federal protected consumer rights to privacy and confidentiality, under 15 U.S.C,1681. XXXX  account XXXX XXXX XXXX XXXX has violated my rights Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have not been able to access loancare 's website for close to two weeks now. Their phone lines are also down. I'm unable to access my account or make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, CXXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  XXXX Reference NY # XXXX has violated my rights.

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 According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

XXXX   XXXX   Account #  XXXX  I borrowed {$3500.00} in  XXXX  I started paying in   XXXX   I have paid a total of {$5600.00} according to their records as of XX/XX/XXXX  I still owe Total Current Balance : {$2400.00}. Something is not adding up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX TransUnion, and XXXX   regarding inaccuracies in reported accounts contained on my credit files on XX/XX/ 2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..
Product: Money transfer, virtual currency, or money service

CFPB Complaint Draft** **Date : ** XX/XX/XXXX **Company : ** Cash App ( Block, Inc. ) **Issue : ** Account Closure/Ban Unresolved After Two Years **Complaint : ** Ive been trying to resolve an unjustified Cash App account ban for over two years with no resolution. I used the app solely for legitimate purposes : receiving direct deposit paychecks and sending $ 300 monthly to my father for rent. Around sometime in the summer of XXXX, Cash App flagged my account for suspicious activity despite no unusual behavior. For a month, I couldnt make payments, and support only said they were investigating. A month later, my account was permanently banned without explanation. 

Since then, Ive contacted Cash App support multiple times ( via app and XXXX ), receiving new case numbers each time but no progress. Theyve repeatedly stated the team is investigating and will get back to me, but after two years, Ive gotten no resolution, justification, or access to my account. This ban disrupted my ability to pay rent and manage finances, and their refusal to address it has caused significant frustration. 

Given the XX/XX/XXXX CFPB settlement against Block , Inc. for failing to investigate disputes properly, I believe this reflects their ongoing poor customer service and negligence. My use was straightforwarddirect deposits and rent paymentsyet theyve stonewalled me for over 24 months. I request the CFPBs assistance to compel Cash App to explain the ban, resolve my case, and reinstate my account, as their delays violate reasonable dispute resolution standards. 

**Desired Resolution : ** - Clear explanation of why my account was flagged and banned.

- Immediate reinstatement of my account.

- Compensation for the inconvenience of a two-year unresolved dispute, if applicable.
Product: Checking or savings account

Hello, I submitted a complaint about Bank of America ( BOA ) charging a " monthly maintenance fee '' on my savings account of {$12.00} a month without informing me in advance or alerting to coming changes. I submitted this complaint to CFPB ( XXXX ) and I have been trying to get in touch with somebody from BOA. I have contacted them and been told they would get back to me ( they never have ). Now I realized they have also recently started charging a " monthly maintenance fee '' of {$25.00} a month on my BOA checking account as well! Also without any alert or prior notification, in leu of me informing them that I was NOT notified about similar charges on my savings account being made without notification to me. This is not even discussing the legality of the withdrawals, and whether if they are allowed to take any money from my account as they see fit without notice? This is theft plain and simple. 

The fact that they have started doing this recently on my checking account, knowing I objected to them doing this on my savings account without notice ( and charging even more ), after I informed them ( BOA ) about the complaint ( and BOA ignoring my attempts to communicate and not contacting me back as they said they would ) gives the impression that they are not worried or threatened by CFPB and any actions that you might take. I hope I am wrong but I am fast losing my confidence as nothing has been done and I feel I may need to take this up with my political representatives and attempt to shame by social media. I hope it does not come down to this and that the regulatory presence of CFPB is respected. I am an American citizen living abroad, and I still have an banking account in the US, so it is not so easy for me to change banks and I would need to wait until XXXX time, meanwhile BOA is free to charge my account whatever fee they see fit without informing me. 

It is not much money in grand scheme of things ( but it could be for many people ), it is the principal of the theft that is disturbing. What is stopping BOA in the future from taking say 5, 10, 20 % of earnings from any costumers bank account without any notice to the customer? Where does this end?
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account number : XXXX and XXXX  Account number : XXXX were properly investigated and being verified as accurate but how is that possible when Ive already stated and showed proof these accounts have been taking to court with the judge ruling in my favor. It was brought to my attention that this debt was open in the state of Georgia in XXXX. I do not live in the state of Georgia. I do not have no knowledge of this debt that does not belong to me. I will be providing proof and I will also have, the documents attached with the judge signature stating that this case was dismissed in my favor. All the information on this account which is inaccurate and a violation According to XXXX XXXX Transunion XXXX, XXXX, XXXX, and TRANSUNION are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency XXXX XXXX and Equifax block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email Email : XXXX XXXX
Product: Checking or savings account

Good evening, To start I had deposited a verified check into my checking account and BOA stated that it would be available Tuesday the XXXX of this month, I also had two fraud claims one for XXXX, and the other one for XXXX that I was being provided with provisional credit available on the XXXX as well. When I went to check my account that morning I was locked out of my account I immediately called the bank and they stated that it was A branch decision to close down my account they couldnt give me any information. I tried to talk to supervisors, managers, and different employees all for some type of answer but was getting the run around. Im in a low income apartment that I just got approved for last Friday and have to pay rent on the XXXX of this month, I can not afford to miss a payment this will be detrimental To the program that I am in. I was about to purchase a vehicle the same day my money was deposited into my account and had to put that on hold because of me not having access to my money. Its just me that I depend on so me not having access to my money has been hard on me these pass 2 days. I can not afford to feed myself, im barley making it to Work with the little gas I have and I can not even afford to pay my phone bill this month and im at my limit with extensions. I cant call on no one to borrow any money so this has gotten me very depressed that I can not access my money. They have an option for me to withdrawal my funds from a branch but keep giving me the run around and says that most likely I cant do that because of open claims. Also, to contact me please dont call because I dont know how long my phone is going to be on with my bill past due please send me an email to : XXXX. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question for their response.