23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt that accidentally went to collections in the amount of {$50.00}. The dispute was listed on my credit and that's the first I was notified, so I paid it with the healthcare provider immediately. Unknowingly, this did not get reported to the debt collection agency, Plus Four Inc. Upon finding this out, I reached out to them directly and they attempted to collect my " debt '' again in the amount of {$50.00}. So now I have paid the debt twice, when I called to remove the second charge with proof I paid it the first time, the employees at plus four refused to work with me. They began hanging up the phone, ignoring my phone calls, leaving me on hold for hours with no intention of answering the phone, refusing to allow me to speak to a supervisor claiming there were none there and REFUSING to admit payment had been made despite correspondence multiple times over multiple days from XXXX XXXX XXXX. I reached out to XXXX XXXX numerous times until I reached a supervisor and she called directly for me. Still, plus four is refusing to remove the debt and it keeps escalating each month as if it has been unpaid, despite being paid twice. They refuse to simply reach out to XXXX XXXX to show that the amount has been paid and will only accept payment proof in person and/or standard mail. I have been treated like I am a criminal over {$50.00} I was unaware of, paid immediately and then paid immediately again to resolve the issue. This company does not want people to resolve their debt and they will seemingly do ANYTHING to not allow people to resolve their issues with them. Ignoring phone calls and hanging up on people is a violation of the Fair Debt Collection Agencies Act, as I have the right to speak to them when necessary and they are preventing me from resolving my issue ... Literally. It is also a violation to force or coerce people into paying a debt, whereas they knowingly took payment for a debt that was already collected all whilst refusing that they received notification of payment, which they have three times now. They should be shut down or thouroghly investigated for their practices and the way that they have taken it upon themselves to treat people who are good citizens TRYING to do the right thing.
Product: Debt collection

They have been calling for a different person with the same last name over and over and over. They do it about every 6 months or so for weeks at a time. I have asked them to stop multiple times. I have also told them if they actually had a caller instead of an auto dial they would hear the voicemail say who lives here and nobody by that name lives here. They called my cell phone a few times but luckily they stopped that. I get calls around XXXX, including weekends, which woke me up.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices which violate the 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, and I seek appropriate redress for these violations.
Product: Credit card

I opened a Target REDcard managed by TD Bank in XX/XX/XXXX. This week ( the week of XX/XX/XXXX ) they closed my account due to 18 months of inactivity. I called, and they refused to re-instate the account. However, I reviewed my Account Agreement, and there is no language regarding inactivity in the Agreement. TD Bank should be required to re-instate my account because of the language in the contract that they themselves wrote.
Product: Credit reporting or other personal consumer reports

The inquires below are not mines and are ID Theft. Please review and delete. I have added a ID theft alert to report. 

7 inquiries These lenders have accessed your credit file : XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THE US Department of Education and XXXX FINANCIAL violated " Privacy Act of 1974 '', and " Family Educational Rights and Privacy Act '' rights according laws and statutes in regards to the PRIVACY of my student education records.

Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).

20 U.S.C. 1232g As a consumer I was never given noticed or authorized the transmission of personal identifiable information -- -- - In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 


That means an original contract or similar proof, not just a printout of the payments that were made. Provide all DOCUMENTARY EVIDENCE from the public and private side according to GAAP that this is a valid and verifiable debt you are reporting and claiming the accused debtor, myself, XXXX.
Product: Credit reporting or other personal consumer reports

I have the right to privacy as a federally protected consumer. I have the right to privacy as a federally protected consumer. I have the right to privacy as a federally protected consumer. ******* I do not consent to XXXX verification ******* ******* 15 US Code 6805 - enforcement ( a ) In general I ( XXXX XXXX ) HAVE THE RIGHT TO OPT OUT OF ANYTHING ON MY REPORT AT ANYTIME AND THAT GM Financial MUST COMPLY AS SOON AS POSSIBLE AFTER I SENT THEM NOTICE! 

As you can see you are sharing my information to third party sources such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Any information GM financial shares has to be in accordance with the U.S.

Consumer Privacy Notice. 15 USC 1681. If GM wanted to publish my information for credit purposes they MUST NOTIFY ME WHEN AN ADVERSE ACTION IS TAKEN. They never notified me in writing. 

15 U.S code 1681n- Civil liability for willful noncompliance ( a ) In general Any person who " WILLFULLY '' fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of - ( a ) any actual damages sustained by the consumer as a result of the failure or damages of not less that {$100.00} and not more that {$1000.00} or ( b ) in the case of liability of a natural person for obtaining a consumer report under the false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} per VIOLATION PLUS ANY OTHER DAMAGES YOU HAVE SUSTAINED AS A RESULT OF THEIR FAILURE TO FOLLOW THE LAW. IF YOU HAVE TO FILE MORE THAN 1 COMPLAINT, WILFUL NONCOMPLIANCE CAN EASILY BE PROVEN AS THEY HAD A FULL UNDERSTANDING OF THE VIOLATIONS AFTER YOU COMPLAINED THE 1ST TIME. EVERY COMPANY IN THIER AGREEMENTS WITH CONSUMERS SAID THEY WOULD FOLLOW THE LAW AND AGREED TO DO SO. THEY ARE AWARE THAT THEY ARE BRAKING THE LAW. 

Please update " paid as agreed '' on all of my credit reports or pay {$1000.00} per violation and {$10000.00} for emotional pain and suffering. 






GM financial has my information on a XXXX XXXX XXXX lease.
Product: Credit card

I Applied for a Chase United Explorer Credit Card and my application was denied based upon Number of recently opened accounts on credit report My credit score is XXXX so obviously I am creditworthy. 

Chase would not specify what they mean with recently opened nor would they specify what number of accounts is excessive. Is a second account which was opened 5 years ago excessive? I applied for the same card several months ago and havent applied for any other card. I feel being discriminated by Chase since there was no valid reason to deny my credit application.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the unresolved inaccurate items on my account. Despite multiple attempts to rectify this issue, the fraudulent charges remain, causing ongoing distress and financial inconvenience. This lack of resolution is unacceptable and has severely impacted my financial stability and trust in your institution. It is critical that this issue be escalated immediately within your organization. The persistent presence of erroneous transactions on my account is not only a misrepresentation of my financial history but also a potential security risk. I demand immediate and decisive action to resolve this matter. I require the following actions to be taken such as Immediate Removal of these accounts. If this issue won't be solve, l would have no choice but to escalate the matter further, including seeking assistance from regulatory authorities to ensure compliance and protection of my consumer rights. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im on a joint auto loan with my girlfriend and when she decided to refinance with XXXX, they ran her credit ( of course ) but my credit as well without my consent. 

Now, I have a double entry on my XXXX  report from Pentagon FCUa company I never even heard of. 

Anyway, I was never asked for my credentials or for verbal authorization to run my credit. How does this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX XXXX BANK IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN XX/XX/2002AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed an unrecognized account from World Finance. After several attempts to speak with them, I found out that this loan was taken out using my information in XX/XX/XXXX for an address in Illinois. I have lived in Michigan since XX/XX/XXXX. I did not obtain this loan and have tried several times to have this information removed. World Finance has subsequently changed the information after I called them to my current address and contact phone number and will deny my disputes with the credit bureau because they have my current address. I have attempted several times to have them send me the information on the account with no such luck. They always take down my phone number but have YET to attempt to call me back. After doing more investigation, I found out that the branch where this loan was taken out had several employees commit fraud using other people information without their knowledge. I also found out that World Finance knew of this issue, but they still refuse to correct the credit of those affected. This is causing me a severe hardship and needs to be corrected IMMEDIATELY!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a legally sufficient identity fraud complaint with Experian under FCRA Section 605B. Under that Section, Experian is required to block the fraudulent information within four days of receiving the complaint. Four days came and went after Experian received the complaint. Experian refused to block the information and provided no lawful excuse for their refusal. Instead, Experian sent me a report more than 30 days after receiving my dispute. Their response simply states the vendor or creditor met the FCRA requirements even though with my dispute I submitted an identity theft and/or police report. Experian has chosen to ignore the law to block the information resulted in the identity theft within four days.
Product: Credit card

Hello, I am writing to formally address the recent closure of my Comenity Bank credit account associated with XXXX, which I was made aware of through a notification on XX/XX/XXXX. The notification, received via email from my credit union and XXXX XXXX, indicated that my accountopened on XX/XX/XXXX, and my oldest line of credithad been closed due to " no activity. '' I was neither notified nor given an opportunity to take action before the closure. As a paperless customer, I did not receive any communication via phone or email regarding the impending account closure. Had I been informed, I would have promptly made a purchase to maintain account activity. This closure has negatively impacted my credit score, despite my continuous efforts to build and maintain good credit standing. 

Upon contacting customer service, I was transferred multiple times before reaching a representative who informed me that my account was officially closed on XX/XX/XXXX. Additionally, she mentioned an app called " Bread, '' which I was previously unaware of. I have always managed my payments through the XXXX  app, which connects directly to Comenity Bank, and because I do not carry a balance, I had not received any alerts regarding inactivity. 

I believe I should have been given prior notice before my account was closed, as this has significantly impacted my credit history and financial standing. Given these circumstances, I respectfully request the reinstatement of my original account along with the restoration of my credit history. I value my relationship with Comenity Bank and would like to continue utilizing my account as an active customer. 

Please advise on the necessary steps to resolve this matter. I appreciate your prompt attention and look forward to your response. 



Sincerely,
Product: Credit reporting or other personal consumer reports

Ive disputed this account XXXX XXXX XXXX XXXX XXXX XXXX numerous of times. But all XXXX credit bureaus XXXX, XXXX XXXX Experian keeps saying the account is verified or was updated ( noted : Completed investigation of FCRA dispute - consumer disagrees ). Then the bureaus XXXX, XXXX XXXX Experian tell me to reach out to the creditor directly, which I have but the creditor XXXX said they could not locate the account. Im in the process of trying to obtain a mortgage loan but this account is hindering my home buying process. Please remove delete the account XXXX XXXX XXXX XXXX XXXX XXXX from all XXXX credit bureaus XXXX, XXXX XXXX Experian.
Product: Checking or savings account

I went into the back on XX/XX/XXXX and deposited a check that was a donation from my employer in the amount of {$500.00} on that day the bank automatically closed my account and sent back the funds to the check issuer. It has been almost a month and the bank can not find the funds and the funds have not been returned to me or my employer. It has now caused me to lose work and time to try to find out where these funds are.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was the victim of a XXXX phishing scam via Wells Fargo Bank. Wells Fargo has denied my claim and closed the investigation. 

On afternoon of XX/XX/XXXX I received a text message indicating possible fraudulent activity on my account. I did not respond to the text but within a couple of minutes I received a call from a number in XXXX, Texas ( I live in XXXX, TX, a suburb of XXXX ) with someone telling me they were detecting fraudulent activity within our account. After doing a reverse phone number look-up, the number the caller was using appeared to be a Wells Fargo branch in Texas. 

They proceeded to tell me that the fraudulent activity was a XXXX transfer ( to the payee XXXX XXXX ) for {$3500.00} and was scheduled to go through tomorrow morning. Since I said I was not the person initiating the transfer they instructed me to hold on the line and soon a new call came though but this time the number was the XXXX Wells Fargo number. 

The person on the phone then informed me that since XXXX is a third party application that Wells Fargo could do nothing to stop the transfer and the only recourse was to pay myself the money to offset the impending XXXX transfer. 

I followed through and after the transaction was complete, I asked for a reference number for the case and they hung up. The XXXX transfer still shows in my account with myself as the payee. 

Immediately after that I knew that it had been fraudulent. I called Wells Fargo immediately and after several hours and speaking to three different people we filed a claim. I've attached all communication we have received from Wells Fargo regarding this. We do believe that we should be protected under XXXX XXXX and communicated that to Wells Fargo. We have gotten mixed messages from everyone we have spoken to, which at this point is 12+. I'm not sure what else I can do to dispute this claim and get my money back. I know this is a prevalent scam currently and am writing to file a complaint with the CFPB. If further details or additional information is needed, please contact me. I'm hopeful the people responsible for this will be help accountable and that no one else has to become a victim of this scam.
Product: Money transfer, virtual currency, or money service

I accidentally put in an incorrect reference number when i was making an international payment to coinbase for my account, and I have contacted my bank XXXX who have not been able to tell what has happened, only that they are not able to trace the money as coinbase now have it in their system. Coinbase have absolutely no customer service and it is disgraceful, they should not be allowed to operate as the no1 cryptocurrency investment site. I have tried to message their support team on the website providing all my details, I had my bank amend the transaction so the correct reference number was added to the payment but I have heard nothing from coinbase, and I have not been told there has been any interaction between coinbase and XXXX. How can a site as big as coinbase is now not have a telephone service running which I can call? It is shocking and have never experienced anything like this. I simply want my money to be placed into my account and to have some interaction with coinbase as they are leaving others like me in the dark as I am not the only one to have issues with their customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. it is the result of identity theft. i have contacted credit bureaus XXXX, EQUIFAX, AND XXXX regarding this matter. with all three reporting agencies stated that the accounts are being verified by creditors as accuarate. I have also reached out to the creditors XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX  ACCT # XXXX and DEPARTMENT OF TREASURY ACCT # XXXX XXXX XXXX XXXX replied saying accounts are correct and I am responsible. These accounts were opened by someone other than me for extreme financial gain and they are affecting only me while trying to accomplish life goals.
Product: Credit card or prepaid card

I opened a recent credit card dispute that was not found in my favor. During this dispute period, I called USAA multiple times and was verbally told the following statements : " I would expect an investigation to be honored '' " we will do whatever we can to help and/or fix this '' " not all disputes that are similar will have the same outcome '' " I suggest leaning into the human aspect when re-asserting our findings '' " bring up your 12 years of membership '' I believe I have been discriminated against during the dispute process and not treated equally. I believe this because the comments above suggest differing outcomes based on factors outside of my control and also suggest that USAA has discretion to favorably resolve and/or make right my initial dispute but has chosen not to, despite telling me that would do " whatever they can. '' I request all recent phones calls from XX/XX/XXXX, XXXX XX/XX/2022 to be pulled and audited to confirm discriminatory statements and misleading advise that USAA will help in this matter. Being told USAA will do " whatever they can '' is an incredibly powerful statement to which I expected an amicable resolution in this matter, ultimately reducing down to a {$6000.00} account adjustment resolving this matter entirely, which I asked for in writing and verbally. Since such a request falls into the possibilities of what USAA is capable of doing, I hold them liable to do so.