23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

paypal for the last two months hasn't been withdrawing for my checking account like it is set to and chagrining things to my paypal credit card, even though the settings is checking account first, and in their own words if it wasn't set up it would do balance first, then bank, then paypal credit card and so on, they aren't not doing that., they replied back on the same complaint XXXX, on my their web site these payments to XXXX  XXXX XXXX XXXX and dollar shave is set to my checking account, the photos shows that and the old photos showed that also, and the still doing it.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681a- Definitions ; rules of construction- Exclusions.-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT XX/XX/XXXX, AND XX/XX/XXXX ] Instruction : [ Please Verify and update this account payment history to current ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS FURNISHING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
ACCOUNTS : 1. Creditor : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ THIS ACCOUNT IS SHOWING 30 DAY LATE PAYMENT ON XX/XX/XXXX ] Instruction : [ PLEASE VERIFY AND UPDATE THIS ACCOUNT PAYMENT HISTORY TO CURRENT ]. 
Furthermore, I am requesting that you provide me with, in writing. the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character. Please Assist thank you.
Product: Credit card or prepaid card

I have made payment on credit card. I have proof of check being reconciled by CitiBank. I have called several times and they are stating payment was not received and the check is not showing on their end. Date reconciled XX/XX/2023 amount of {$970.00}
Product: Credit reporting

Equifax reinserted previously deleted information on my credit report. The following accounts was previously deleted from my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, MN Child Support Enforcement.
Product: Debt collection

I am in very bad financial shape stemming from a very bad employment situation I suffered, and am still suffering at the hands of my ex- employer XXXX that left me in financial ruin, and now I have Midland Credit Management trying to further ruin me with there aggressive collection tactics and complete disregard for the physical, emotional, and psychological toll I am enduring. 

The nature of my complaint involved a very aggressive debt collector named " midland credit management '' whom bought two accounts, for the purpose of this compliant it will be specifically about my XXXX XXXX account. However a second complaint will be filed with regards to my other account with them. 

In 2017 I started working with a local automotive parts manufacture here in town called XXXX while I was enrolled in college full time. This job really left me in financial ruin, as slowly my wages were not being paid to me. Sadly, the fact that I was left without wages and the owner would string me along and promise to pay me " next week, next month '' etc, I continued to work without pay expecting to eventually receive my wages. 

Because I was not getting paid, my credit cards and other bills went into default. One of those is this debt Midland Funding bought from XXXX. I have been engaged in a 2 year legal battle with XXXX and it's owners. I have a case with the XXXX Department of Labor and have had multiple hearings and a trial where I was awarded by the court my past due wages. I have attached the court declarations and the complaint against XXXX, so you can read first hand the nightmare I've been through. I even lost my dear Dog because I was unable to pay his continued veterinary treatment. 

However this judgement awarding me my past due wages has been impossible to collect, and even though I have a court order for XXXX to pay me, I have not received any monies and the situation looks extremely unlikely I will see a penny out of this due to the company being now investigated by the Local District Attorney 's office, and they have an F rating on the XXXX so they have zero chance of actually getting new clients. I am attaching the proof of the D.A investigation and a copy of the XXXX  profile so you can see. 

I have implored midland to really help me with this, but instead they just transfer me to there " legal department '' like i'm supposed to be some kind of criminal. I hope once they see the proof of my terrible situation they will be more willing to work with me. I do not appreciate them making legal threats against me, when I'm simply just trying to resolve my account. they are impossible to negotiate with and I just hope these facts helps them help me pay this off at a reduced amount, and stop threatening me with legal action when I am not refusing to pay.
Product: Checking or savings account

In XXXX of XXXX I went into Wells Fargo to close my father 's business account as he had passed away in XXXX of the same year. I only had his will and was told that was not sufficient and it needed to be cleared in probate first. Reasonable. In XX/XX/XXXX, was informed by probate attorney that it had been closed and executed giving his business right to me and my sister. As stated in his will. In XX/XX/XXXX was notified that we needed to take care of his business truck and account. Went back in and was informed we needed a " resolution '' to close it. Asked for documentation on exactly what was needed and was given a print-out by the business banker. Went back in with completed document and was again told no. They would only issue a check to the specific business name and not to my sister and me. We have no way to cash a check in that name. Were told we would have to open up a new business account with the exact same name of my dad 's account in order to close it. Please help! I have spent several hours trying to clear this up and am being treated horribly at every turn.
Product: Vehicle loan or lease

I was behind on my payments, then they called and we arranged to make XXXX payments which would catch my account back up. Both payments were deducted from my bank account but were not applied to my loan as agreed and it still shows i am behind. I have called and spoke with customer service, who confirmed the payments were not applied correctly and they would forward for correction, but it has been a week and has not been corrected. This contines to reflect as overdue on my credit report, although I have paid as agreed, and I am tired of having to continue calling to try to get anything done since nobody can seem to help me. Please help me get my payments applied as agreed so my account is caught up. I have done my part. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Validation of the Debt ( the actual accounting ) ; 2. Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( XXXX ) ; Uniform Commercial Codes ; Federal Fair Credit Reporting Act ; and California State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold.

5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Money Laundering Regulations XXXX and what actions s/he has taken in relation to this account. 
I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud, or mischief. Your said failure to provide the aforementioned documentation within ten ( 10 ) days from the above date, to validate the debt, will constitute your agreement to the following terms : -That the debt did not exist in the first place ; or -It has already been paid in full, AND -That any damages suffered, you will be held culpable ; -That any negative remarks made to a credit reference agency will be removed ; -You will no longer pursue this matter any further.

-You agree to pay all fee schedules.

Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute 'harassment ' and I may take action under Section 1 of the Protection from Harassment Act XXXX and the Administration of Justice Act XXXX XXXX, which makes it a Criminal Offense for a creditor or a creditor 's agent to make demands ( for money ), which are aimed at causing XXXX XXXX XXXX XXXX ; because of their frequency or manner. 
Best Regards, by : XXXX XXXX XXXX, grantee, beneficiary All Rights Reserved
Product: Debt collection

the company NCC Business Services, called me because my old apartment complex said that I owe them XXXX dollars one month after moving out. This is a false debt because I paid everything I did owe them. they did n't give me the opportunity to confront them. They just wanted me to pay. I could n't pay unless the information was verified. 
they did n't want to verify and said that they will report in my credit if I could n't pay. All they did care about was money. this means that anybody can put anything on your report without proper verification, and I cant accept that. 
They accused me of damages without prooffalse amount of electric bill without statement from the electric company. 
wrong balance at move out went I did n't owe anything. 
They forced me pay everything before the end of my last term over there. I have my bank statement to prove what I 'm saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Collection Account XXXX XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written consent. I have disputed multiple times and account has not been removed
Product: Credit card

Made a purchase on my Best Buy credit card ( Citibank ) a little over 2 years ago that was approx. {$1000.00}. Have made regular on-time payments to date. I am a regular Best Buy customer so I periodically make small purchases for office needs and put on same card. The {$1000.00} ( 2-years ago ) purchase should have been paid off long ago. However, I was just notified I am being charged $ 700+ ( 29.9 % ) interest on that particular purchase because it had not been paid off. When I inquired where had all my payments been going for the past 2 years, I discovered they had been applying them to my ongoing purchases instead of the large purchase from 2 years ago. I now have a {$700.00} interest penalty on a {$1000.00} purchase. 
I thought the new credit laws were enacted to protect the consumer? This is not only completely unethical, but discourages customers to continue doing business with a retailer after a promotional purchase. 
I want my payments to apply to my promotional purchases first, or oldest purchase, not to ones with highest interest rate, such as current purchases.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> according to the USPS. Equifax received : Proof of my address, my bank statement, & proof of my identity. 
The same information was provided to XXXX XXXX XXXX. I am having a hard time understanding why Equifax refused to remove the inaccurate inquires within my credit file when XXXX XXXX XXXX remove each inquiry without Error. 
Kindly provide how this is possible? I will however provide the EXACT information as well. I have CCd the Consumer Financial Protection Bureau as well as they are responsible for protecting consumers. 
It is honorable to abide by the provisions of the Fair Credit Reporting Act. This notice will serve as proof upon request if required at a later date / time. 
I would appreciate Equifax removing the inaccurate inquires immediately as the inquires attached are not a result of a firm offer of credit, insurance, employment, or court order. A permissible purpose was not granted.
Product: Credit reporting or other personal consumer reports

XXXX assumed mortgage from XXXX effective XXXX. We immediately made our payment through our XXXX bill pay. XXXX sent the payment to the XXXX headquarters, in XXXX, N.C. We heard nothing until a month had passed. Then the payment was returned because the address was incorrect. Payments were to be sent to XXXX XXXX XXXX office. We immediately sent the payment to XXXX, and also sent the XXXX payment to XXXX. 
We have continued to make our payment, on time, but XXXX continues to deny receipt of the XXXX payment. We have spent countless hour in phone calls, sent emails and a letter to the President. All with no result, after 3 months.
Product: Student loan

As of XX/XX/XXXX my federal loans have been consolidated with fedloan servicing. At that point I made the transition solely for the Public Service Loan Forgiveness ( PSLF ) program. I made this clear with the representative and was told that was what I was signed up for. In between XX/XX/XXXX and XX/XX/XXXX I followed up on this multiple time throughout the years and came to find out in XX/XX/XXXX that they needed more forms to include the PSLF form and employment certification. Since then till this date I have honored their request to submit forms and proof of my XXXX XXXX employment with the XXXX XXXX XXXX XXXX, which I have been enlisted full time with from XXXX XXXX -  presently. The multiple representatives I have spoken with stated I have been on track and had a case number XXXX after I got PSLF denial and submitted TEPSLF as I was told would be what forgives my loan. Today, I spoke with XXXX, employee number XXXX who stated without me knowing my account was in forbearance from XX/XX/XXXX -XX/XX/XXXX.  During this time no one made me aware of this or sent me information concerning this. My frustration is this whole time, I've done what they have asked and believed after 10 years in the programs the loan would be forgiven. At any point if I was told during the conversations in which I asked continuously if there is anything else I need to do on my part and gotten consistent " no 's '' that this loan being forgiven would happen this year from what the representative told me on XX/XX/XXXX, at XXXX CST. It just appears to me their was every very little intention on forgiving my loan. Instead I'm left with the impression that this was a scam to receive interest funds from loans.
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 XXXX, which falls under XXXX  according to XXXX-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 XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On 2 separate dates (XX/XX/XXXX and XX/XX/XXXX ) I filed disputes with Eqauifax in regards to in accurate Bankruptcy ( XXXX ) being report on my credit report.On both disputes Equifax is listing the source/data furnisher as XXXX XXXX. On XX/XX/XXXX I received notification that the dispute filed onXX/XX/XXXX was complete and the bankruptcy had been reported as " accurate ''. On XX/XX/XXXX I called XXXX XXXX ( XXXX ) and spoke to XXXX. I asked him if XXXX XXXX had provided or verified any type of information from my XXXX XXXX Consumer Report with Equifax. XXXX advised me that there had been no release of my information to anyone as I have a freeze and suppression on my consumer report due to identity theft. XXXX also advised me that the only way information would be released is if I personally requested to have my information shared by providing XXXX XXXX with the PIN # for my freeze. I advised them that Equifax listed them as the source of verification for a Bankruptcy on my credit report. XXXX advised me that there would be no way physically possible for Equifax to obtain verification since the same Bankruptcy was also being disputed on my XXXX XXXX report and that XXXX XXXX would not and could not verify anything that is currently in a dispute status with XXXX XXXX. On XX/XX/XXXX I  submitted another dispute with Equifax for the Bankruptcy and on XX/XX/XXXX I received notification that the dispute was complete and that the bankruptcy had again been verified thru XXXX XXXX. Equifax has failed to do a thorough investigation and because of this my rights under the FCRA have been violated. Per FCRA any information that can not be verified or is inaccurate must be deleted from a consumer 's credit file
Product: Credit reporting or other personal consumer reports

A debt collector illegally reported my debt without properly verifying my debt and sending the information I requested via mail, which was debt verification, proof of ownership, any contract I signed with them, and all information about the collection agency. This was reported to my credit score 1 year ago, and the information I requested was never sent to me. I have tried to get that debt collection that was reported on my credit illegally to be removed. But Experian has failed to do so and I can not get in contact with them. The debt reported is for {$570.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XX/XX/2020 my mortgage bank, Investors Bank, offered me a forbearance for 3 months due to Covid-19 pandemic issues.

The bank said I won't be penalized by this forbearance, but I was, indirectly. 

My monthly payment was around {$4200.00}. And after the forbearance began they added that unpaid amount that included principal, interest, and tax escrow to my total loan balance. 

In XXXX they extended my forbearance until XXXX, so by the time my forbearance ended my loan balance as reported to the credit bureaus has increased by almost {$25000.00}. On several occasions, my 3 credit reports blamed this increase in the lowering of my credit score. 
I began making my mortgage payments again in XXXX when our financial situation improved, and Investors Bank said they would report the correct loan balance to the credit reporting companies in XXXX. 
As of today, my loan balance is {$320000.00}, but both XXXX  and XXXX are still reporting it as {$340000.00}. XXXX is reporting one month behind at {$320000.00}. 
I have notified Investors Bank several times, but it doesnt seem to help. I began a dispute with XXXX  two months ago, but nothing has changed. I can not get through to XXXX  to file a dispute, and I have tried numerous times.

So, I have two issues, first, the forbearance was not supposed to hurt my credit, but the way Investors added {$25000.00} to my loan balance did affect my credit score.

Second, I feel Investors is not doing enough to correct the reporting on my credit reports. 
I have attached documents showing the increase in loan amount on the credit reports and the lowering of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

the way the fraud alert reads is basically having creditor deny me credit
Product: Checking or savings account

On Friday, XX/XX/2020, I deposited a check at the Bank of America, with a teller, for {$1000.00} from XXXX XXXX, a national company, into my checking account. Hours later, the bank sent me an email and stated they were holding the funds until XX/XX/2020. I asked the bank to release the hold and they are stating they are unable to verify funds. 

I called the bank, XXXX, who is the bank that XXXX XXXX wrote the check from. They verified the funds and that the check has cleared. They said there was NO reason for Bank of America to hold the funds. Therefore, it is proof that Bank of America never even tried to help me. 

This is wrong and unfair for many reasons. The main reason is that Bank of America accepted my deposit did not mention a hold. If Bank of America would have told me there would be a hold, I could have cancelled the deposit and cashed the check at XXXX, the bank the check was written off of. 

To clarify, Bank of America took my deposit. 
They did NOT tell me of any hold. 
Hours later, I get an email that the check is on hold until XX/XX/XXXX. 
The exec office said they will keep it on hold. 

This is wrong in so many ways and I hope you can assist. They are doing people so wrong and causing severe financial hardships. The executive management can't possibly realize how bad they are hurting their customers and if they don't know, I hope they fix it. The customer should be given an option of a hold at the time of the deposit so the customer can make a decision whether to keep it on hold or cancel the deposit and go cash it at the other bank.
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 particles, which violate the Consumer Financial Protection Act ( CFPA ). Cashapp failed to take timely and effective measures to prevent and address fraud on their platform. My account was left vulnerable and unprotected. Their dispute and 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 my account to lose finances, and a lot of scams that go on that app. I seek appropriate redress for these violations.