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

I have been having an ongoing problem with   XXXX   for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least five times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back, Equifax and   XXXX   just follows  XXXX  and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.
Product: Credit reporting or other personal consumer reports

I've sent documents numerous times to each credit reporting agencies regarding XXXX XXXX XXXX reporting late information on my account which shows inaccuracies of days late payments. They are reporting different days late to each credit reporting agency. If this information is being reported incorrectly than it should be removed from my credit report. XXXX, Transunion and XXXX have ignored my documents showing inaccuracies and have not removed reporting information from my report from XXXX XXXX XXXX.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX I created a payment XXXX while logged into my Chase Business Complete Checking account. The product is described on Chase Business Website as " Chase Quick Accept '' the further requirements are that you " Must Be A Chase Business Customer ''. I signed up for the account, created secure payment gateway and sent it to my client. The total paid on that day by my client via XXXX credit card was {$5100.00} XXXX XXXX. He text me that they payment was completed and I received a conformation email from Chase. 

I waited a few days as my account was running low, and in anticipation of that money I went on with business as usual taking care of other things. I called Chase on XX/XX/2023 and they could not find the account. 

Once the weekend came, XX/XX/2023 I went into the nearest my home. It was then I spoke to the manager and he explained to me that he did not have a merchant account for me. I let him know that I created the account, showed proof, detailing an email received with the chase letterhead once the payment was processed ( I can share this with you all as well ) He called a special internal customer line and found that Chase Quick Accept was actually done through a third party owned by their parent company JP Morgan. That third party is XXXX and they have been a night mare to deal with. Once I spoke with bank manager at chase, he let me know that my account had been closed and that XXXX  would be holding my money because of suspected fraud. 

Upon returning home on XXXX XX/XX/2023 I was instructed to send an email to XXXX  merchant appeals and I did just that. The email included personal business documents, snapshots of email exchanged with clients, and text messages between my client and I detailing that the payment was made. After giving XXXX what they wanted to prove that I have a legitimate business. They declined to send me my money and indicated that it would be held for 180 days. 

Their decision further impacted how able to conduct business, Chase who is advertising this product continued to collect overdraft fees when my account went into the negative balance. I'm now left without this additional means of income, which will allow me to provide services, pay employees and grow my business. I've read mutiple cases where this is a common business practice for wepay.com They have had over XXXX complaints in the past 12 months.
Product: Consumer Loan

After paying all my XXXX lease payments on time to Infiniti Financial Services I returned the car to the dealer. Later, I received a final bill of {$3300.00}. I do not dispute the final bill and just before its due date I mailed them {$1100.00}. I called their XXXX number to inform them that I was going to pay this bill in XXXX equal payment. No body answered the phone. So I wrote a note and included that with my payment. They sent me another bill for the balance. Again I tried to call them but no one answered the phone. Shortly after that I received phone call from a company named " XXXX XXXX XXXX '' claiming they have my account for collection. I explained to them that the account is current and Infiniti had a responsibility to inform me if they wanted me to pay someone else for the balance due. I told them that I do not know who they are and refuse to send them any money because this may simply be another scam. I asked them to inform Infiniti that they must inform me in writing new payment address and company. So far I have not heard anything from Infiniti but the collection company, XXXX, keeps calling me with intimidating messages. I do not know who they are and why a current account was referred to a collection agency.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX is falsely reporting XXXX XXXX XXXX- {$2800.00} on my credit profile. 

This account does not belong to me. This is not an attempt to repair credit.
Product: Checking or savings account

On XX/XX/XXXX I authorized a charge with XXXX shoe store. Shortly after I received a confirmation email I noticed the email was from a bogus company claiming to be XXXX. In addition, the company charged me more for the order than I originally authorized. Immediately I contacted Citi to advise of the issue and cancel my card and requested a replacement. Citi sent me documents I was to fill out and return to them which I did. I contacted Citi numerous times requesting status update on the dispute case which representatives advised they received my correspondence and were investigating. Mid XXXX I received a letter from Citi claiming they did not receive my documents. By this point I was irate after my many conversations that led nowhere and much wasted time. Today is XX/XX/XXXX and I have spoken to Citi too many times. I spoke to a very nice representative today who instructed me to write Citi and request an appeal as he was able to confirm I indeed sent ALL information requested and the dispute team overlooked it. I also wrote to the XXXX  which I have yet to hear back from after someone from the executive office called me and told me they work in the credit card section and would forward my concern to the banking side. I am truly beginning to lose all faith and confidence in Citi. This is the first time I raise a dispute and I am extremely disappointed as the company was bogus and while I authorized the charge I shall add I never received any goods or services from this company. Not only was the company bogus which I understand Citi should not take the loss as again I authorized the charge ( mistakenly ) BUT I never received good from the company therefore Citi should dispute this accordingly. I am looking for resolution of the funds being refunded to my account as this fake company does not deserve to keep my money and Citi has dropped the ball all around on this matter.
Product: Mortgage

This is a follow up to complaint XXXX. The short story is we had our house burn down on property related to loan XXXX ( XXXX XXXX XXXX XXXX ) and received a full dwelling payment of around $ XXXX. The check was in UWM name and myself and my wifes so we sent it to UWM in XX/XX/2020. By XX/XX/XXXX the loan showed as paid off, which means they cashed the check. The loan was for around $ XXXX, and therefore we are due the equity of the difference which is $ XXXX. They've had multiple processing issues, incorrect address, stop payments etc. Long story short is it's 3 months after I sent the check and we have not seen our equity check of $ XXXX. Every time we call or email we are told " it's in the mail '' or " it will be overnighted this week '' or whatever the lie is that day by whichever incompetent employee happens to answer the phone. 

The company responded to our previous complaint and sent a {$25.00} gift card, which funny enough got to us before our $ XXXX. A true slap in the face. I emailed a lawyer tonight. The most recent correspondence from a manager named XXXX via email said it was in the mail on XX/XX/XXXX. However it's now 8 business days past that, I've never seen mail take that long. I have reason to believe they are lying, as they fail to show any proof that the check is in the mail. 

We NEED our money. We have severe emotional and financial stress from teh delay of this company. And all you need to know is on their XXXX page. Endless reviews of incompetence and horrible customer service. STAY AWAY FROM UWM at all costs!! I'd rather pay a % higher than deal with these scam artists.
Product: Debt collection

TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AND INTENT TO SUE DELETE IMMEDIATELY NOTICE XX/XX/XXXX PLAINTIFF : XXXX XXXX XXXX XXXX DEFENDANT : NATIONAL CREDIT ADJUSTERS XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX HIGHEST BIDDER SUBPOENA XXXXXXXX XXXX XXXX JUDICIAL DISTRICT COURT RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$740.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : NATIONAL CREDIT ADJUSTERS : DEBT COLLECTOR BOND/BONDS THEFT STOP VIOLATING THE FDCPA USC 1692D EXHIBIT XXXX XXXX XXXX : EXHIBIT XXXX : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATUR

E STATING THAT IVE RECEIVED IT. ACCORDANCE TO 15 USC 1681s-2 ( a
) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING MAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT : XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW.

EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS CONSUMER REPORT. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE- LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT XXXX AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. 
ABRUPTLY, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Living Woman Far from being DEAD UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF acct : XXXX XXXX XXXX NOT THE TRUSTEE
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against CASHAPP ( block , inc ) due to inadequate service and unfair practices. Their dispute resolution was unfair, I was forced to upload sensitive documents on many occasions with no communication. I was told my account was fraudulent after I reported the activity someone sent another card in my name to my home. The untimely response caused significant inconvenience and financial loss. I seek to redress there violations.
Product: Credit card or prepaid card

I purchased this card on XX/XX/XXXX. When I opened up a fraudulent bar code was actually activated. Please have this deactivated and a new card sent to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Credit Report Dispute Incorrect Payment History Dear Experian, I am writing to request a goodwill adjustment for a late payment that is on my account. Upon reviewing my report, I noticed discrepancies regarding my payment history for the following accounts : [ XXXX XXXX Account Ending in XXXX The payment history indicates a missed payment for XXXX, XXXX, XXXX which is incorrect. I always make my payments on time and make efforts to fulfill my financial responsibilities. I understand that according to federal law 15 U.S. code 1681a ( 2 ) ( Ai ), a consumer does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on an account as late of any purpose. 

I am asking that these late payments be updated to current. Thank you.
Product: Vehicle loan or lease

XXXX bought my loan from Car Finance. Car Finance still reports my account open with a balance, after numerous disputes both with the credit bureau and with the company. Both companies report my account as open, overstating my debt about and duplicating my derogatory payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a dispute letter to all three credit bureaus. I received a response from all three credit bureaus. On XX/XX/XXXX, I sent a demand of action letter to all three credit bureaus demanding the removal of all duplicate NELNET accounts. XXXX has not removed these duplicate accounts. XXXX and XXXX have. Two accounts with account # XXXX and two accounts with account # XXXX ( for a total amount of {$4300.00} ) are showing closed in the same frame and showing POSITIVE with XXXX. On XX/XX/XXXXI submitted an in-school deferment request to NELNET. As of XX/XX/XXXX, they noted the account, " No adjustment needed, '' because the accounts are closed. They can not confirm my deferment because the accounts were closed. Also, on XX/XX/XXXX, I sent a correction to the credit report to remove XXXX XXXX which was paid in full on XX/XX/XXXX. They have failed to remove that as well.
Product: Credit reporting

During the XXXX financial meltdown I had XXXX properties, XXXX primary residence and XXXX rental and all mortgages where with XXXX. I filed for bankruptcy in XXXX. The primary residence was sold via a Short Sale and I was able to SUSTAIN by curing the mortgage deficiencies on the rental property, which is an ACTIVE MORTGAGE with XXXX and has been in place since XXXX I have been informed by XXXX that INNOVIS DATA SOLUTIONS has an IN-HOUSE POLICY to delete ALL Mortgage History on a Mortgage that has a bankruptcy tied to it, thus in effect VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS AS WELL AS VIOLATING THE FEDERAL CREDIT & REPORTING ACT. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY FLIES IN THE FACE OF PUBLIC POLICY. IT IS DAMAGING MY FULL CREDIT MARKETABILITY. XXXX has informed me that XXXX as well violated my 5th and 14th Amendment Rights by NOT reporting my ACTIVE MONTHLY MORTGAGE PAYMENTS during the time of bankruptcy filing and bankruptcy dismissal and did not RESUME my ACTIVE MONTHLY MORTGAGE PAYMENTS TO XXXX UNTIL XXXX, WHICH MEANS ALL OF MY MORTGAGE HISTORY HAS BEEN WIPED OUT AND DID NOT RESUME UNTIL XXXX. 
INNOVIS DATA SOLUTIONS IN-HOUSE POLICY HAS FAR REACHING RAMIFICATION AGAINST ALL CONSUMERS WHO MAY HAVE FILED BANKRUPTCY AND WERE ABLE TO HOLD ON TO THEIR PROPERTIES, THEIR MORTGAGE HISTORY SHOULD NOT BE WIPED OUT COMPLETELY AND INNOVIS DATA SOLUTIONS SHOULD STOP VIOLATING ALL CONSUMERS 5TH AND 14TH AMENDMENT RIGHTS! AS WELL AS STOP DAMAGING MY CREDIT WORTHINESS!
Product: Mortgage

Was looking into refinancing our home and the mortgage lender is showing that we have a Forberance on our Home Loan that is with BSI which was purchased from XXXX XXXX. BSI purchased the loan from XXXX in XX/XX/XXXX. BSI is showing that we have a approved Forberance on XX/XX/XXXX. Which we have never signed any paperwork or even asked for this to be done. And we have been paying our monthly payment of {$720.00} since they have taken over the loan from XXXX. Also, found out today on XX/XX/XXXX, that they also show a Reconstruction on our loan of 514 months when we should only have 18 years left on the loan. Why would the payment not have decrease in the amount per month, if the loan was extended out to this length of time. Also, no paper was signed or agreed on to this either with XXXX or XXXX XXXX. We also found out that there is a complaint against BSI thru CFBP on XX/XX/XXXX for the same reasons as listed above Falseified papers.
Product: Credit card or prepaid card

on XX/XX/XXXX I was contacted by Bank of America asking if I was at XXXX XXXX trying to charge > $ XXXX on my account and I responded NO and to please close the card and send me a new one. I never received a new card and later found that someone had stolen my phone number from XXXX. This enabled them to access my phone and get into my bank accounts. Working with XXXX, my bank, the thief attempted to process a {$9000.00} online payment to Bank of America. Later I got a letter from BofA and said they had detected suspicious activity on this card and the account was locked. I told him that I did not intend to do future business with BofA and the card was supposed to be closed/cancelled XX/XX/XXXX. My bank was able to cancel the online payment for $ XXXX. Yesterday, XX/XX/XXXX, I recd a letter from BofA instructing me to go online and pay my bill for $ XXXX. I am not responsible for any charges after XX/XX/XXXX.
Product: Credit card or prepaid card

I have ordered tires on the XXXX of XXXX for {$1100.00}. 

On the XXXX of XXXX the merchant ( XXXX XXXX AZ ) charged me {$1000.00} and received an email invoice saying that XXXX card was charged {$1100.00}, however the total amount states {$1000.00}. 

On the XXXX of XXXX I noticed that I was charged again for XXXX by XXXX XXXX XXXX  XXXX XXXX AZ. 

The merchant names are different on the statement, but they include the same phone number. 

I called the merchant, they confirmed that they are having issues with their billing system and asked me to try to get the money back through my bank as that's the easiest way. 

I have filed dispute twice charges, but they were rejected. 

I have only authorized {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Equifax XXXX XXXX XXXX XXXX These are my complaint numbers from CFPB All 3 credit bureaus wanted a police report and identity theft report. Copy on my drivers license. 
For there investigation on XXXX XXXX. 

I am a victim of identity theft. I never opened an account or loan from this company. There is no inquiry from this company on any of my credit reports. All three credit bureaus have a fraud alert on file. No one from XXXX XXXX contacted me to ask is it was me for this loan. My phone number is on the fraud alert. I call their customer service number. It goes straight to voice mail. This maybe a scam.
Product: Credit reporting

Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX 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

XXXX5 US Code 1681 ( c ) The term consumer means an individual. 5 U.S. Code 552a - Records maintained on individuals ( a ) defines, for purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. According to 15 US Code 1681e - ( b ) Accuracy of report, 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. *****COMPLAINT****** Reporting agencies reflecting inaccurate information on consumer record. XXXX XXXX XXXX, is reporting as an original creditor to TRANSUNION and XXXX. The consumer never entered into an agreement to a loan with this company. The reporting agencies continuing to reflect the collection account on the consumers record will constitute willful non-compliance and under 1681n, section discuses that 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 ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Consumer is requesting this inaccurate tradeline be removed immediately or pay {$1000.00} for each month each agency continues to report the tradeline.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX-took {$250.00} title loan on XXXX XXXX XXXX XXXX. XX/XX/XXXX made {$120.00} payment. On XX/XX/XXXX. Took another {$250.00} additional. Balance {$370.00}. XX/XX/XXXX. Made {$100.00} payment. XX/XX/XXXX extradited to Colorado on old warrant. Unable to make payment. XX/XX/XXXX husband went to XXXX XXXX XXXX. Attempted to make a {$200.00} payment for me. They did not accept it. Said I was the only one that could make a payment. XX/XX/XXXX. Harrassment begins. The tow driver assaulted my husband. While trying to repo my vehicle. The tow driver then began to contact my family my husband 's family and all of our friends. Stating they were the XXXX police and that I was wanted for felony Grand theft. And that I assaulted the 6'5 '' 290-320lb tow driver. I 'm 100 pounds soaking wet. I ca n't get thru to anyone to clear the matter up. Now when I check my account balance. It 's reads no debt owed. Yet I have no title to my vehicle.
Product: Debt collection

Recently received a letter from Midland Credit Management , Inc, in regards to a debt that is not mine and never known to me. Send company a Validation letter on XX/XX/2020. Please help.
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 Customer 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 Regualtion E. These actions have caused significant disruption inconvenience and financial loss and I seek appropriate redress for these violations.