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

This is not a duplicate complaint. this is a totally different one. American First Finance failed to complete my request. Did not pay invoice and did not remove tradeline from all consumer reporting agencies, even tho the account is reporting inaccurately. One account has been removed i attached as proof. please see attached
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX reported my payment late in XXXX  0f 2023. I ask them to show proof i was late and they didnt respond. Dates of last payment are inaccurate.
Product: Credit card or prepaid card

Someone else had access to my new credit card and made almost XXXX in charges, then made a fraudulent check of almost XXXX towards this account, I contacted Capital One Fraud Department several times account manager and nothing was ever resolved. I received a letter from Capital One that this issue had been resolved, yet that was for their own protection, it never was. 

I have file a consumer affidavit with the FTC along with a police report and since then I have closed my Capital One account, since they made the mistake of reporting this to the credit bureau stating that I had utilized {$30000.00} in credit card charges.
Product: Debt collection

Is claiming to be collecting a debt on a pager from over twenty years ago. 
Sent falsified Court documents to XXXX and are garnishing my wages.
Product: Checking or savings account

I received a letter from Wells Fargo on XX/XX/2022 regarding Wells Fargo case # XXXX in which Wells Fargo acknowledged " unauthorized transactions of {$34.00}, XXXX '' they claim " they can not reimburse me because too much time has past since I contacted them ''. 

Since this was regarding savings account XXXX, A FAKE ACCOUNT ACKNOWLEDGED BY THE MEDIATION DEPARTMENT, ( please read mediation letter settlement which identifies remunerable accounts ), I had no knowledge of this until this year. The crime occured in California which has a fraud Law that says there is a three ( 3 ) year statue of limitations from TIME OF DISCOVERY
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis violated this consumers rights for privacy 15USC1681 ( a ) ( 4 ). Permissible purpose violation because personal information was provided without this consumers written instruction 15USC1681b ( a ) ( 2 ). I exercise my right to privacy and opt out of personal information being shared without written instruction. I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). LexisNexis assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated. 

LexisNexis did not exercise its grave responsibility, you were unfair, and you were partial. 

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed LexisNexis to furnish any reports and I never consented to reports being provided.
Product: Credit card

US Bank decided to significantly change the benefits of their XXXX XXXX card while I was out of the country. At the same time my annual fee was due and autopayed. I called in and was told by a customer service representative that because of the benefits change I could cancel my card and get a refund for the annual fee that was paid. I waited a few months but I never received a refund. I then called back and spoke to them again and they said they would look into it, but they denied my request. 

I was also told by the customer service representative that they would be eliminating the anniversary bonus of XXXX bonus points as well. It turns out that was a lie and they were not eliminating the anniversary bonus, so I did n't even get the bonus points for paying the fee because I was lied to.
Product: Money transfer, virtual currency, or money service

Discover Bank flagged my XXXX account for fraud on XX/XX/year>, together with thousands of other law abiding customers. 

This has been an ongoing issue with no resolution in sight. 

We are not able to use XXXX at Discover, or even other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked this company Bank of America to cease all communications. They agreed to do so, but Bank of America is still reporting to XXXX XXXX report, which is a form of communication.
Product: Mortgage

XX/XX/29 spent 1.5 hours on phone with loan service company trying to resolve. This company has put me on a restricted payment status with no missed monthly payments. All that I requested is to be able to pay online and to have no restricted payment demands imposed on me. While on hold with company I spoke to three representatives and was transferred multiple times having to explain the situation each time. When transferred to supervisor I was given a voicemail inbox. If the company successfully imposes certified check demands on me the cost of certified checks is {$8.00} each which effectively makes my loan {$2800.00} more expensive over the life of the loan. I am also on XXXX XXXX and was never given warning of restricted payment status where I can only pay by certified check. This company is literally making my life so difficult all while on XXXX XXXX in an already stressful environment. Because of this companys inability to resolve this problem I will be submitting CFPB complaints daily until this company is responsive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification about my credit score for Experian. The score has declined XXXX points this year and I have been paying my bills on time. Additionally the wrong information has been given regarding my name, address and employment status on my credit report has changed drastically since last month. I tried to make contact with Experian twice regarding the matter. The second time I did reach a representative but was told that the disputes department would have to handle the matter and that they were restricted by the disputes department from assisting in getting the issues resolved. More important I was informed that the disputes department placed a restriction to prevent my ability to file a dispute and that the disputes department would have to answer the questions that I had regarding my credit report. I was transferred to the disputes department and requested to speak with a supervisor regarding my concerns. The agent in the disputes department that accepted my asked for my social security number and stated that she MUST have it and be told the reason for my request for a supervisor in order to transfer. I gave a very brief explanation then heard her type a lot of information. The agent then stated " I will transfer you to a supervisor '' and disconnected the call. I tried the XXXX number I had been given by the previous department and it reached the automated system again.
Product: Checking or savings account

XX/XX/XXXX I was charged a total of four overdraft fees of XXXX each totaling XXXX On XX/XX/XXXX I was charged an additional charge of XXXX totaling XXXX Capital one 360 bank charged me a total of XXXX $ charges on my account when I would consistently check my app before placing a charge, I escalated this issue several times and the company has denied taking off some of these fees because they are highly excessive. The app would be deceitful and show a available balance and than the next day show a negative balance. I had to pay a total of XXXX XXXX I need some assistance and someone to investigate into this case. 

I escalated this to every department available at Capital One 360 and they would not help.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account number : XXXX Balance : {$3200.00} XXXX  XXXX Account number : XXXX Balance : {$780.00} XXXX XXXX XXXX Account number : XXXX Balance : {$1100.00} XXXX XXXX XXXX Account number XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$780.00} XXXX XXXX XXXX Account number : XXXX Balance : {$440.00}
Product: Credit card or prepaid card

I have multiple cards with capital one. Their automatic payments was taking out amounts I did not approve. I asked my due date to be changes several times, I was told it would be successful but never way. I don't know of any other credit card that has a due date at the end of the month.
Product: Money transfer, virtual currency, or money service

I am filling 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 errors 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: Checking or savings account

On XX/XX/XXXX I was charged an amount of {$880.00} by XXXX XXXX XXXX ( merchant ), a whopping {$700.00} more than what I should have paid for the service. I contacted the merchant ( XXXX XXXX XXXX - a subsidiary of XXXX XXXX ) on XX/XX/XXXX, trying to resolve this issue and was met with hostile customer service practice. No refund was issued. The merchant simply sent me the same receipt that I am in dispute with. The merchant has recorded record of my call with them on XX/XX/XXXX, and know that I have no control of the vehicle since XX/XX/XXXX. 

I also immediately filed a dispute with Bank of America for the same amount of {$700.00}. On XX/XX/XXXX, I received a letter denying my claim citing merchant has proof of receipt. I called to Bank of America on XX/XX/XXXX expressing that I disagreed with the result, asking the bank institution to at least try to hold this fund while my complaint is being filed with the Attorney General 's office in Washington DC. In this case, the bank did not do enough to stand by its customer 's side to fight with amount that was wrongfully charged. By the tone of the service representative of the Claim Department, it sounded like something that they would not spend an effort to fight for, asking me to send proof of receipt, when my dispute was with the receipt that I have received from the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure who furnished incorrect information to these companies I see on my consumer report!! I never willingly entered into a consumer credit transaction with any of these companies!! I Know this is A direct VIOLATION OF MY CONSUMER RIGHTS. These companies are using false, deceptive practices as well as illegal collection activities pursuant to FCRA. 

This is in FACT AGGRAVATED IDENTITY THEFT PURSUANT TO 18 USC 1028A. ANY AND ALL INFORMATION FURNISHED TO THE CREDIT REPORTING AGENCIES RESULTING FROM IDENTITY THEFT MUST BE BLOCKED & DELETED FROM MY CONSUMER REPORT PURSUANT TO 15 USC 1681 C-2.

IDENTITY THEFT REPORT WAS FILED AND ATTACHED AS WELL!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME I DID NOT GIVE XXXX, XXXX, EQUIFAX WRITTEN PERMISSION TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT PURSUANT TO 15 USC 1681 ( B ) IT STATES THAT I HAVE TO GIVE WRITTEN CONSENT
Product: Credit card

I placed an order with XXXX XXXX  on XX/XX/year>. The driver complained he couldn't find his way there and the order was NOT delivered. I contacted XXXX XXXX  to resolve the situation and they immediately offered to refund me in full. I checked in my account to verify the refund was being processed and saw that instead of refunding my card, they issued an XXXX XXXX  credit on my account which I did NOT want. 

I contacted them again and was chatting with someone speaking XXXX XXXX English  that I had to explain the situation to at least 5 or 6 times, they were supposed to issue a refund to my original form of payment, my Apple Card with Goldman Sachs. Instead this person RE-SUBMITTED a duplicate delivery order that I DID NOT ASK FOR and when I received a notification, I immediately contacted them yet again and told them I did not ask for this order to be re-sent out and the person asked, so should we cancel it? I said yes, I never asked for this order to be resent, it was supposed to be refunded to my card in full. Then I see that they have charged THE FULL ORDER AMOUNT as a " cancelation fee '' for an order that was supposed to be refunded and NOT re-submitted for delivery therefore wiping the credit incorrectly applied to my account and refusing to take responsibility for their errors. 

I have disputed this charge with Goldman Sachs continuously since XX/XX/year>. They have refused to honor this dispute and keep trying to say I was refunded already without looking at all of the facts and what transpired. I did NOT received ANY goods from this order. I am not going to pay for something I didn't receive, for an order that XXXX XXXX  already agreed to refund. They made 2 back to back errors resolving the situation as clearly indicated above. I want this case resolved, the credit of {$50.00} made permanent on my account and for this matter to be resolved once and for all. It is absolutely absurd I have had to continuously deal with this for a year and a half now! It's outrageous! My credit card company is supposed to protect me, and in this case they have been protecting the merchant that is liable for the errors in handling my order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here is proof that Equifax is lying to me and the CFPB. I have been sending letters and complaints about fraudulent inquiries on my Equifax credit report and Equifax is responding here and also in letters saying that those fraudulent inquiries are been deleted it. I also sent them an identity theft report and nothing. Here I'm including a letter they send me and also a complaint they responded to say that the inquiries have been deleted, I'm also including a credit report from today 's date XX/XX/2023 from their own website that shows that all those inquiries are not been deleted like they say and still on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On this month, I reach out to XXXX XXXX  XXXX about why I am not received any statement in the mail throughout this last past three year. I have been getting my account current due to failure of XXXX working with me to make sure that I can have my account is caught up. They promise me that they wouldn't put any negative remarks on my credit report if I agree to pay them to have my account current. Still until this day my account is showing negative on my credit report and needs to be correct with removing all negative payment history for failure of send me a bill every month and also not helping me making any payment plans to keep my car loan current.
Product: Credit reporting, credit repair services, or other personal consumer reports

signed up and it was supposed to cost XXXX a month but company took an lump sum of XXXX out of my account ive emailed and called the company many times to get refund but phone rings and goes to automated system and beeps
Product: Mortgage

It is very difficult to get in touch with this company. 

1. When you call them on the telephone, you go through a menu and then they send you through a 3 minute long XXXX  information about something or the other. 

I don't speak XXXX, and that is not helpful. 

2. Then, by the time you get a guest service representative on the phone beimg disconnected or having a connection so bad that there is no intelligible conversation is the norm. 

3. if your mortgage payment is late, they automatically block you from accessing your information on the website. And, that is where you can set up a payment. 

So, if your mortgage payment is late then you have to call in and POSSIBLY get a connection and then pay the representative charge. 

4. I sent them all of the documents that they requested by registered mail, and I signed all of those documents and now they insist that the documents have not been signed. 

XXXX! 

and the only way that I found out about the loan modification documents is because I called in over the space of about an hour trying to get in touch with the representative. 

5. I got a call from the company that said that I was a candidate for interest rate modification down to the market rate at no cost. 

when I called the company back, they had no idea what I was talking about and the person who made the call did not even send out the paperwork. 

and that is bad, because I'm working against the deadline and delays like this make it such that I might not be able to get the modification.
Product: Checking or savings account

OptumFinancial manages my Health Savings Account ( HSA ) account.

OptumFinancial refuses to accept the routing number from an XXXX XXXX Checking or Savings account for direct deposit, even though XXXX XXXX is a member of FDIC. 

Therefore, I am forced to wait for reimbursement checks to arrive by mail.
Product: Bank account or service

Both my parents passed away leaving me as the executor of their estates. While going through my Dad 's computer, I came across an email indicating his Well 's Fargo account would be closed due to fraudulent activity. Apparently someone had tried to access the account multiple times from various computers. I called Well 's Fargo, they told me the email was not from them and was probably a phishing incident. I told them I was not aware my father even had a Well 's Fargo account, but they said if someone tried to compromise it, an account probably did exist. I asked how I could get access to it and they told me to go to the local WF office with the death certificate, etc. They told me the closest office was over XXXX miles away. They indicated I could mail the information including the account number. When I reiterated that I did n't have the account number, they said sorry, we ca n't help you!
Product: Debt collection

Called me at work telling me that i would be served at my place of employment with court papers. That they had sent me prior information via US mail, which i never received and told me I had 1 hour to contact them back or it was too late
Product: Debt collection

Since XX/XX/2023 I have been receiving multiple harassing calls and when I answer no one is on the other line and the line disconnects. After calling back and speaking with several people to identify why I am receiving these calls I was informed of three different balances that I allegedly owe and to date, no one has identified what amount is the true balance. I was also told I would have to call back to identify where this balance has come from. I also have not received any written documentation regarding this matter and was told several notices were sent out to the incorrect address since XX/XX/2023. I also want to include that my credit has now been impacted with negative and derogatory comments, this is an unfair and deceptive business practice as I have held multiple accounts with Hyundai and have never had this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was compromised by the Equifax security breach and I was not timely notified in a timely manner to take the necessary precautions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Having an issue with Vystar credit union, I had went into the bank and had my account setup to send money to my savings with an external automatic transfer every month so that my savings account would pay my credit card bill automatically and in the process my account which has always paid my balance in full was hit with my card having a XXXX dollar balance which for having every payment on time for the last few years of the account had dropped my credit score from a XXXX to a XXXX after putting a late payment on my record. This is my first late payment and the problem was with the automatic billing but I do take responsibility for the problem as I didn't check in on the account until it was too late. I was looking for forgiveness on my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for its repeated failure to conduct a reasonable reinvestigation into inaccuracies on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). On XX/XX/, I submitted a dispute letter to Equifax via fax, challenging the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and Bankruptcy Reference Number : XXXXXXXX  Additionally, I disputed incorrect names and addresses listed on my credit report. To aid in verifying my identity, I included a copy of my photo ID, social security card, and a recent bill. Despite diligently following the FCRA 's dispute process, I received no response from Equifax. In an attempt to rectify the situation, I sent follow-up disputes on XX/XX/ and XX/XX/XXXX Unfortunately, Equifax failed to acknowledge or respond to any of these dispute attempts. This consistent denial of a reasonable investigation is a clear violation of my consumer rights. The FCRA explicitly requires credit bureaus to conduct a thorough reinvestigation when the accuracy or completeness of any item in a consumer 's file is disputed. Enclosed, please find copies of my dispute letters, as evidence of my repeated attempts to correct inaccuracies on my credit report.