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

I spoke with several departments of Experian on XX/XX/2024 regarding two accounts on my credit report that were reporting. This is my second or third complaint with Experian, as they still have not fixed certain things already reported to them and to CFPB ; such as un-mailable addresses asked to be removed and were not, names, etc. 

This complaint is due to certain accounts that are currently in litigation for false reporting and attempts to collect an alleged debt with the companies. I do no recognize one of the two companies who are reporting information that I have requested under the law to be kept private, due to the fact we are in litigation.

The two accounts are XXXX and XXXX. AS a reminder, within the law under Title 15 1681- ( a ) Congress makes the following findings ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the CONSUMER 'S RIGHT TO PRIVACY. These finding fall under the FAIR CREDIT REPORTING ACT.

It continues to state under Title 15 1681 ( a ) ( 2 ) EXCLUSIONS EXCEPT AS PROVIDED IN ( 3 ) DOES NOT INCLUDE : ( a ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; These companies DID NOT have my written nor oral consent, nor DO THEY have my consent now, to report these transaction histories as they are not my debts. These companies have alleged to be my debts, which is why we are in ongoing litigation.

Under Title 15 1681 ( c ) ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Therefore, any adverse information other than convictions of crimes can be reported. AS stated, Experian has a duty as a third party consumer reporting agency to adhere to these laws especially if it's related to identity theft which- means fraud committed or attempted using the identifying information of another person WITHOUT authority! Neither company has my permission or consent to maintain this on my report.

Title 5 USC 552a- the term " record '' mean ANY ITEM, COLLECTION, OR GROUPING OF INFORMATION ABOUT AN INDIVIDUAL THAT IS MAINTAINED BY AN AGENCY... INCLUDING HIS FINANCIAL TRANSACTIONS. 

Again, Experian does NOT have my consent!
Product: Payday loan, title loan, or personal loan

In XXXX XXXX, I bought appliances at a store named XXXX 's Appliance in northern New Jersey. The appliances cost a couple thousand dollars, so the store said it could issue me credit, with no-interest for the first year. Sounded great, so I took them up on it. 

Turns out, I was applying for credit with Wells Fargo. 

We needed to wait for a renovation to be done before we could accept delivery on the items, which was n't until about XXXX XXXX. We were told we were n't going to be billed until the delivery was made. 

After the delivery, we kept waiting for bills to show up. Finally, we realized something with a return address of " XXXX XXXX XXXX '' is actually the Wells Fargo bill for our appliances from XXXX 's Appliance. 

So, my first payment for my new appliances was late. When I called to explain the issue and ask if I could set up automatic payments, the customer service rep was clueless and told me to talk to my bank where I have my checking account ( XXXX  XXXX XXXX ). 

By then, I 'd run out of patience and was aggravated at realizing the time I spent dealing with this XXXX XXXX 's Appliance crap was time I 'd never get back. The next bill came in, I caught it and it was paid. 

But then XXXX rolled around, and the bill got lost in the shuffle when my husband did n't recognize XXXX XXXX as an actual bill. So now, the payment is 5 days late. And a $ 60 monthly payment was hit with a {$38.00} Late Fee. 

I called the customer service number on the bill to figure out how to set up monthly payments, since the Wells Fargo website is so confusing. The first rep could n't help me, so he transferred me to a second rep. She proceeded to speed-talk over me and denied my accusation that using mail with a return address from " XXXX XXXX XXXX '' is an attempt to evade consumers and then hit them with late fees. She then said she was going to " transfer me to another department '' -- at which point I asked for her customer service ID number. But she just " transferred me '' and I was disconnected. 

By the way, I have an excellent credit rating -- 782, to be exact. I 'm not a slouch when it comes to paying my bills. But this? This is another attempt by a national bank to XXXX the little guy. When is Wells Fargo going to stop acting like the local loan shark when it comes to service for customers? I 'm disgusted that I even signed up for this " loan, '' because I could have just charged the whole thing to my XXXX XXXX and managed my payments easily and effectively. 

So, I want to report the Wells Fargo practice of using third party " marketing '' groups to handle billing, especially when it is NOT clear that the mailing is, in fact, a bill. Also, I want to file a complaint regarding the service rep 's assertion that Wells Fargo did n't issue the mailing, when on the bill itself, it says " XXXX XXXX XXXX, Issued by Wells Fargo XXXX XXXX XXXX. '' And all the contact information is for Wells Fargo : www.Wellsfargo.com/cardholders ; customer service - XXXX. 

It 's time Wells Fargo is held accountable for its sleazy, underhanded operating practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a veteran who was being treated at the XXXX XXXX XXXX XXXX in XXXX, Massachusetts ; the VA found it necessary to transfer me to a private hospital. The VA called XXXX XXXX XXXX , XXXX. to transport me to XXXX XXXX in XXXX, less than 4 miles away I will add, and apparently XXXX charged {$4300.00} for that ride ( I ought to challenge the outrageous bill as well, as no medical services were rendered, merely a 3.7 mile ride ). The VA covered my hospital stay, and should have covered my ambulance ride. XXXX XXXX XXXX ought to have billed the Dept. of Veterans Affairs ; notwithstanding, the VA is responsible for this bill, not me. 
Meanwhile, it has gone into Collections via XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX, MA XXXX USA for {$4300.00}.
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 practises, 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: Debt collection

I am working directly with the billing Departments and I being harassed by a make shift local debt collector. 

These from Gulf Coast Debt Collections calls can be characterized as harassment. They are increasingly frequent and invasive.
Product: Credit card or prepaid card

Wells Fargo issued a secure card in XXXX and took {$1000.00} deposit - After good management they made the acct unsecure and issued refund of the {$1000.00} ( see attached noted ) stating refund would be deposited into CHECKING ACCT " within 30 days '' - it never happened- the next month an unquiry was made and I was told it was send as a check. 
- 6 weeks later after an inquiry... they cancelled the check ( lost? ) - they gain claimed they issued " another direct deposit into my checking '' ( no record of pending deposits whatsoever for ANY deposits were found ) ) - stated 3 weeks later " That deposit was rejected stating " acct 'closed ' " ( it never was I use it every day ) XXXX checking wells fargo - They said a new check was issued but cant confirm it - They again claim the check was cancelled. Some say it was never issued Some say " its on the way '' - after 6 weeks, no check came - Now I have to hire a notary and 2 witnesses to say i never got the ( cancelled ) check - some say they tried direct deposit, some say no, i need to go through a lengthy investigation - case # XXXX was third inquiry with not resolve whatsoever - Every inquiry ends with a completely different explanation... there has been no clear status for months last call XX/XX/XXXX XXXX Department advocacy `` an affidavit must be filed to cancel the check '' " any other way i can get my money? '' " no '' she transferred me to mortgage department call before that was complete opposite facts call before that was complete opposite facts its been about 6 months with no resolve after 3 cases and no callback my accts have all been pristine with no overdrafts, late payments or problems whatsoever im bedridden with XXXX XXXX  XXXX XXXX and can not hire care without my money this issue has now become medically urgent i cant cancell accts or go to bank .... im completely XXXX and home alone
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently turned XXXX and I just got a hold of my credit report and I see a lot of items that I do not recognize. I do not know what this stuff is XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Violation of the FDCPA : Failure to Validate Debt I am filing this complaint against Spring Oaks Capital for their failure to validate an alleged debt account as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

On [ insert date ], I received communication from Spring Oaks Capital regarding an alleged debt they claim I owe. In response, I promptly sent a written request for validation of the debt on [ insert date of your letter ], which was delivered via [ certified mail, tracking number ] on [ insert delivery date ]. 

Under the FDCPA, debt collectors are legally required to : Provide sufficient validation of the debt, including the original creditor 's name, a detailed breakdown of the debt amount, and evidence of their authority to collect the debt. 
Suspend all collection activities, including reporting the debt to credit bureaus, until they provide proper validation. 
Spring Oaks Capital has failed to meet these obligations. They have neither provided the requested validation nor ceased their collection efforts. Furthermore, they have reported this unverified debt to the credit bureaus, causing harm to my credit profile and financial well-being. 

Desired Resolution : To resolve this issue, I request the following actions : Immediate Validation of Debt : Require Spring Oaks Capital to provide detailed documentation proving the validity of the alleged debt. This should include : A copy of the original agreement with the creditor. 
An accurate breakdown of the debt amount. 
Proof that Spring Oaks Capital is legally authorized to collect the debt. 
Immediate Cease of Collection Efforts : Ensure that Spring Oaks Capital halts all collection activities, including communication with me and reporting to credit bureaus, until proper validation is provided. 
Immediate Removal from Credit Bureaus : Direct Spring Oaks Capital to immediately remove any references to this unvalidated debt from my credit reports with XXXX, XXXX, and XXXX unless the debt is validated in full compliance with the FDCPA. 
Investigation of Compliance Practices : Investigate whether Spring Oaks Capital routinely engages in practices that violate the FDCPA. 
Impose penalties or corrective actions if a pattern of non-compliance is identified. 
Consumer Protection Assurance : Provide me with written confirmation that this account will not be pursued further unless it is properly validated under federal law. 
By addressing these issues, I aim to ensure Spring Oaks Capital complies with the FDCPA and that I am no longer subjected to unwarranted collection activities or harm to my credit profile. 
I seek prompt resolution to restore my credit profile, protect my rights under the FDCPA, and ensure compliance with federal credit and debt collection laws. 

Thank you for your attention to this matter.
Product: Credit card

My credit card application was denied by Chase because I was an existing Southwest Chase credit card holder. However, I had cancelled my existing Southwest Chase credit card prior to the application. I was told by multiple Chase representatives that their internal policy requires that a card be closed at least 30 days prior to reapplying. This is not disclosed in their application terms. Their application terms only say that an applicant can not apply if they are an existing card holder. 

I was applying for the new card as part of a point promotion being offered by Southwest Airlines, which would allow me to get XXXX points and a Companion Pass for up to two years. These items together are valued at over {$10000.00}. Had Chase disclosed that a card needed to be cancelled for 30 days prior to reapplying, I would have cancelled my card earlier. Their lack of disclosure resulted in a financial loss for me. 

Since this was not disclosed in the application terms, Chase is providing false reasons for credit denial to consumers. My denial reason was that I was an existing card holder ; however, Chase 's representatives also acknowledge that I cancelled my card prior to my application. Therefore, their denial reason is false and Chase is denying credit to Consumers ( I am sure there are many others like me ) based on false pretenses. They are not properly disclosing eligibility requirements within their application terms. 

Because of their inadequate application disclosures and false denial reasons, I am significantly financially impacted. I would ask that Chase be required to reimburse me and others that have been impacted by their negligence.
Product: Credit reporting

Fraudulent charges were made on my account for services that were never rendered. My credit report was corrected after investigation by XXXX and XXXX, but I had tried unfruitfully to communicate with Equifax and it 's being impossible. Last thing they told me before the phone call was cut, was that my actual physical address, where I 've being living for 6 years now is not in their records and now I recently found they just removed it from my credit records after that ( they had it ) while the other agencies still have it.It 's being very frustrating. First I tried online, then, I tried to send them an email that they never respond, and finally I called then by phone. When I was in that process the representative just hung on. I 've being trying to file a dispute with them and they are refusing to do so implying, apparently, that I am stealing my own identity.Last thing I did was to send the filled dispute form by mail ( I include a copy in the attachments ) to their address. It was ten days ago, and the only reaction I had from them is that they removed my current address from their report ( The other XXXX Agencies still have it, like I said before ) .I am contacting you becuase I do n't have anybody else to help me with this problem. thanks in advance!
Product: Credit reporting or other personal consumer reports

Attempts have been made to clear my credit report from third party reporting agencies that I have not, nor had any prior business with. The report keeps coming back as verified and no solutions to my complaints. My fair consumer rights have been impacted because of false information, non privy information and outdated information. XXXX has neglected to correct my personal information and report true information. I have never had an at fault accident which I am being told is impacting the cost of coverage of unaffordable insurance.
Product: Credit card

On XX/XX/XXXX I contacted wellsfargo after reviewing my account and seeing a number fraudulent charges on my account totaling {$610.00} they said they would do an investigation and replaced my debit card for me. I also tried to contact each muchant and see if they would revese the chrges but Because I didn't have an online account and didn't make these purchases with the merchants in question.They said that they could not help that.I needed contact my bank and file a fraud claim so I waited.I got a notice on my phone through the wells fargo app that my claim had been denied and closed on XX/XX/XXXX I called wellsfargo to see if I could get a copy of the investagation documents and appeal the denial because this is not acceptable and I need my money back. The claims rep. just stated that the claim was denied closed and said there was nothing else that could be done and hung up on me. I called back yet again and got an even more rude incompetent rep who couldnt even find my fraud claim. Why should I even put my money in the bank at all if they are just going to let it be stolen and not do anything
Product: Mortgage

XX/XX/2020 Returned check reversal - long form {$2400.00} Mortgage Company Error that took our payments messed up our payment schedules Check was returned for no good reason. 
This took our account out of balance, Since then we were charged with XXXX additional late fees because we thought we were ahead of schedule. 

Contacted bank several times spent hours trying to get through in which we were disconnected several times after asking to speak to a supervisor because they would only waive one fee that still hasn't been waived after they agreed to waving it. 

Asked them for the amount need to remove the PMI from our mortgage but they could not answer that question. We finally got a letter stating that I am not eligible to have the PMI waived. Says we were over 30 - 60 days late on payments which was not true. This was all stemming from the account error returned check back in XXXX less than 1 month after I closed on my new home.
Product: Money transfer, virtual currency, or money service

Blockfi is holding all of my cryptocurrency in my online wallet and will not let me withdraw or transfer any. A message to the help desk has gone unanswered other than a post saying there working on the issue. At this time the are holding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company multiple times over the last 30 days I have not remove this from my credits. This is a direct violation of my consumer, rights. Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b, company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. This is harassment and I will pursue legal charges. I have a right to accurate credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( I NEVER HAD LATE PAYMENTS ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I NEVER HAD LATE PAYMENTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) incorrectly reporting a debt on my credit report that i have filed a fraud report on. The FCRA section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting.

i've had an police report generated and this is the date and location i've made my report XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL i sent out multiple dispute letters to have this issue resolved and have gotten nowhere. 

the amount reposted from this fraudulent action is {$9600.00} reported on Date Reported XX/XX/XXXX but open on XX/XX/XXXX and reporting on all major bureaus.
Product: Checking or savings account

On XX/XX/XXXX Chase posted a withdrawal of {$81.00} from my checking account with description " NON-CHASE ATM WITHDRAW XXXX XXXX XXXX  ". Since I didn't recognize this transaction, I messaged Chase customer service to ask where and when this withdrawal was made. The first written response from Chase stated that " we are unable to provide you with the location of the ATM where the withdrawal was made. If you did not authorized this and wish to dispute the transaction in order to assist you better please call our Customer Claims Department at XXXX ''. I then proceeded to call Customer Claims Department and they said they would start an investigation and gave me a temporary credit of {$81.00}. On XX/XX/XXXX Chase denied the claim with a new letter ( attached ). I called Claims Department again and asked an explanation. They advised that the withdrawal was made at XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX at XXXX and that the PIN code was right at the first attempt, which to them is sufficient proof of this being a legitimate transaction. However this means that my debit card was cloned since I could not have possibly made that transaction as I was at home with guests that night and have never been in that part of town, moreover there is no ATM or any business at that address. I explained the above to the Chase Claims Department representative and escalated to a supervisor, but Chase still refuses to accept the claim. Besides the fact that my guests can testify that I was at home that night, most importantly there is no ATM at the address that Chase provides, which proves the fraud nature of this transaction.
Product: Payday loan, title loan, or personal loan

Im a resident of NYS. Per NYS laws, personal loan institutions are not allowed to charge more than 16 % interest per annum. On or about XX/XX/19, I was having financial problems and applied for a loan through XXXX XXXX. Avant offered me a loan of {$10000.00} ( ID # XXXX ) payable in 24 installments automatically deducted from my bank account for {$570.00}. Approximately {$500.00} was kept by Avant and I received around {$10000.00} of the {$10000.00} loan. After making a few payments, I noticed that my principle wasnt going down. On Thursday, XX/XX/XXXX, I called Avant and asked for my interest rate and my daily percentage rate. I was told that my interest rate is 32.95 % and my DPR is .07569863. Neither of those rates include the approx. {$500.00} kept by Avant. When applying for the loan, I wasnt told there would be a DPR or that the {$500.00} they kept wasnt included in the interest rate. I also wasnt aware that NYS limits the amount of interest that can be charged and possible criminal usury laws. It may have been in the fine print but the loan contract was so long and small print and difficult to read and I can not find a copy of the original contract on my online account. I believe in addition to violating NYS laws, Avant is also using predatory lending practices and targeting individuals who are in financial distress. As a XXXX XXXX woman, I am also a minority. I havent missed a single payment. I believe Ive made 8 payments and most of those payments have gone towards interest, not principle.