23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX I started refinance process with Caliber Home Loans. They quoted 30-45 day time frame from start to close. Today is day XXXX. They have strung me along requesting more and more documents that could have been asked for from the beginning. I have promptly provided documentation each time. At this point I am curious if I have any legal leverage against them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block inc. ) due to inadequate customer services and unfair practices would violate the consumer financial protection act ( CFPA ) Specifically cash app and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected Furthermore, there 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 a significant inconvenient and financial loss and I think appropriate red dress for these violations
Product: Debt collection

I have an account with Comenity Bank for a credit card at a chain store. I am a little past due with my payment and today I have received XXXX calls from them so far today. First call at XXXX second call at XXXX third call at XXXX fourth call at XXXX fifth call at XXXX. This is sheer harassment. I have answered their call and told them this was not a good time for me and I am being bombarded with phone calls.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I went to a XX/XX/XXXX atm machine which I was referred to by Cash App to withdraw {$100.00}. I selected my money in the transaction and the machine was starting to dispense my money when the screen went black and said server shutdown.I did not receive the cash but the {$100.00} was deducted from my cash app. 
I immediately tried contacting customer service at Cash App ( which is impossible ) while I waited for 45 min in the XX/XX/XXXX to see if the machine would come on and I could get my cash. It came on but when I tried to withdraw the funds it said I didnt have funds available cash app already deducted the {$100.00}. I filed a claim over the phone, and in the app. The representative said he'd be able to override the system once I did a claim, I said I already had. He then said he couldn't override the system to put my money back in.I asked to speak to a supervisor I was stranded 30 mi from home XXXX XXXX XXXX XXXX, my battery went out in my car so I came to get the cash to pay for the battery. I was on hold 30 min where the rep said he's waiting for a mgr to walk over to him. After another 15 min on hold I was told there's no supervisor that can speak to me I'll have to wait for a call. I said no I'll hold until one is, then the rep said there's no supervisor to talk to you and I'm closing your claim and HUNG UP on me. 
He did close my claim because I wanted a mgr. I opened another right away and went from person to person the only way you get a mgr is to request one they email you but you're not speaking to anyone you get a generic answer the same as in the support section of the app not even addressing the claim. 
I called the atm co ftc and was provided the transaction receipt showing, date, time amount, the receipt says : Error management hardware detection, monitor lights red and error the application is out of service. I was told by atm co cash app needs to file a regulation E complaint and contact them so I can be refunded. 
I emailed, called, text in the app the only answer I ever get is there's no new information on your claim it can take up to 45 days. I was told by cash app and the atm co that cash claims are priority and are usually handled right away within 10 days. 
I have been emailing and texting in the app every day asking for a mg or update, all I get is the computer mess about taking up to 45 days. I received a credit of {$2.00} the fee for using the atm cash app charges, on XX/XX/XXXX but not my {$100.00}. I emailed a mgr asking why I didn't receive the rest clearly they were working on my claim and AGAIN was told it could take up to 45 days. I don't understand how this huge co does not have a live mgr you can speak to only people working from home that have no clue about claims, or any other information about cash app,
Product: Mortgage

FCI lender services is accessing my loan with continued illegal attorney fees and breaking California collections practices and foreclosure laws. I have attempted to resolved this matter when {$600.00} worth of illegal attorney fees were accessed on my mortgage and I was told it was because I was 60 days late. This was proven to be untrue and the fees had to be removed, only after I threaten legal action. But recently the lender has placed {$1500.00} in attorney fees and placed my loan in pre-foreclosure on XXXX XXXX, XXXX, I was only due for the month of XXXX 's payment. I received the attorney letter dated XX/XX/XXXX from XXXX, XXXX XXXX XXXX, my loan was due for XX/XX/XXXX payment, this lender hired this attorney to produce a letter for my loan which was not even 30 days late at this time. On my previous complaint case # XXXX, the representative for the lender ( XXXX XXXX XXXX, XXXX stated fees should not be access unless the loan is 60 days late and the investor was advised of the inadvertent error and the XXXX fees were removed, but they have chosen to continue doing it and have now accessed {$1500.00}. FCI lender services is still practicing in a unlawful manner for this private lender.
Product: Credit card or prepaid card

I have tried to correct the following problem by making over 6 phone calls and writing letters to the bank : For the past month, every time I attempt to use the card, it is declined and then my credit card account is blocked. I contact the bank and they take me through a re-verification process that involves using a land line, a mobile phone and an XXXX. Several times the representative was unable to make the re-verification process work and a manager had to override the process and un-block it by pushing a button. Today I called for the 7th time, was on the phone for over 45 minutes and the manager could not get the re-verification process to work. I then asked him to simply unblock the account since I answered all security questions and identified myself to him. He refused to unblock the account. I have numerous other bank cards, but have never experienced anything like this. Can you get the bank to honor its contract and allow the card to by used? I have had NO fraudulent attempts of anyone ever trying to use my card or my account. This bank has very poor customer support and staff does not even know how to correct the problem.
Product: Credit card or prepaid card

I was discriminated against and forced to close my credit card because I didn't want to give an email address.I never had a problem until I tried to check my online account and couldn't get to the page for account details. I called customer service on XX/XX/20 and was told I had to enter an email address or I couldn't check my account. The service rep told me to clear my browser and all kinds of stuff I never had to do before then told me that I couldn't check my information if I didn't give the email address. THIS IS DISCRIMINATION! I was never told I had to have an email address to open the account. I want to files any and all charges possible for this injustice. Do not want to give email address to you people either. I have a phone number you can call and leave a message.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I asked to change the account type to Basic Banking Package at around XX/XX/2018, and staff told me that my account will be changed in 24 hours. However, my account type is not changed, and there was {$25.00} each month, {$50.00} in total was charged to my account. Once I found out, I asked to change again at XX/XX/2018. Again, the staff told me the account will be changed in 24 hours, and refund me the $ XXXX month fee. Yet it turns out, the account remains the same, and the month fee continued. For the third time I asked, the staff told me that my initial request was denied ( I don't know which " initial request '' was referred ) but I did not receive any notice of denial. The month fee charged will be gone.
Product: Payday loan, title loan, or personal loan

Do to multiple situational challenges it was requested to consolidate certain loans to move out of the situation. US Bank XXXX XXXX XXXX XXXX XXXX WA described the denial due to underwriting choosing one of their contracted credit reporting agencies which had the lowest score. In other words discrimination specifically by choices they choose for who reports your credit. Not all three only one of the three. The bank Manager XXXX confirmed this as well as the loan intake individual XXXX XXXX. Dates initial intake of which I have no idea what was put into the application as I was not given a copy of the application even though I was in person XX/XX/2019. Denial XX/XX/XXXX, but informed am of XX/XX/2019. First conversation was with XXXX on XX/XX/2019 and second conversation was with XXXX on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried several times unsuccessfully to have some inquiries removed from my credit report as they are reporting inaccurately. I finally spoke with an agent who looked over my credit report and stated that these items would be removed due to them being reported inaccurately. I was told that my credit report would be updated in 24 hours with these inquiries removed. On today XXXX/XXXX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C ,1681 I, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Account one : XXXX XXXX First 4 digits of accounts in question : XXXX
Product: Checking or savings account

My original complaint based on your prompts does not apply. Complaint # XXXX The bank charged me for a low amount in account. My issue is I never " changed '' my account to the type of account that would incur a charge. 
And they tell me it has always had this fee since XX/XX/1982! I've requested all statements since XXXX.
Product: Credit card

Concora Credit dba Destiny Mastercard, has a deceptive practice in which setting up auto pay for the full balance will not take the balance due in the same cycle, resulting in a balance due being reported to credit agencies. This is deceptive, credit damaging and predatory. They charge an annual fee of {$170.00}, which goes up to {$200.00} in the next year. I have only had this card 2 months, and I would like to pay the balance in full and close the account and receive a prorated refund of the annual fee, but was told that is not possible. Customer service agents are not aware that this policy works this way, and will mislead you to believe that auto pay for full balance will result in a XXXX balance being reported to credit reporting agencies which is not true. When they research, they see that they have been giving false information.
Product: Credit reporting or other personal consumer reports

I request the immediate removal of the unauthorized accounts from my credit report. These accounts were not initiated or approved by me, and I do not know their origins. Pursuant to USC 1681g, I ask that they be removed within 15 days. Enclosed are the necessary documents for your review.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX have some type of block on my reports that is preventing me from accessing my report which is illegal. Remove any security freeze you have. Remove any block that you have placed on my file illegally. Update my personal information my name is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There should be no phone numbers listed on my report. Any number listed does not belong to me. Delete it immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report.
Product: Credit card or prepaid card

I used my Capital One card to secure a car rental. I rented the car for a few weeks. At the end of every week I was charged a rental fee for extending the contract. However when the rental car was returned the rental car company XXXX charged me for the full amount of the month rental although I was making weekly payments. I provided Captial One with the signed agreements they returned the fees and then recharged me thus my card that has a {$1000.00} limit currently has a balance of {$2100.00}. This has ruined my credit score. I have never been over the limit and or not paid my bill. Capital One refuses to adjust my account. I am not clear why the XXXX they would even allow a charge that is more sufficient than the limit to be authorized. I want this matter clear and my account adjusted properly.
Product: Credit card

On XXXX XXXX XXXX XXXX EST, I received two emails, one from XXXX and XXXX from XXXX. The Kohl 's email thanked me for joining Kohl 's rewards, something which I did not do, and it had a hyperlink to verify my email and create my online rewards account. I did not click the link. The email also addressed me by a name that's not mine. The Capital One email said that one or more of my phone numbers in my Capital One profile had been updated. That same day, I logged into my Capital One account and saw that my phone number was unchanged. I then called Capital One customer service and they told me that they could not see that I had changed anything with my account. On XX/XX/XXXX, XXXXXXXX XXXX  EST, I receive an email from XXXX telling me that my Kohl 's Rewards Visa card is on the way, and that I should expect the card to arrive in my mailbox by XX/XX/XXXX. I never applied for this card and that email also addressed me by that same, incorrect, name. Moreover, I find three emails sent to me by XXXX with information about my new rewards, XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX, as well as XXXX email from XXXX sent on XX/XX/XXXX with similar information. I call Capital One customer service to explain the situation, and they route me to Kohl 's customer service. Kohl 's customer service can not find any account that's opened under my name, even after searching me up by my phone number and SSN. I get routed back to Capital One customer service, and I ask them if they can find any accounts besides the two I had opened in the past, and they can not find any either. I look in the Capital One phone app and I do not see that new account listed. Then, I downloaded and reviewed my credit reports from all three bureaus, but nothing shows up about a new credit card opening under my name. I then proceed to issue a XXXX fraud alert and change my passwords for my Capital One account and email account. Finally, the last part of this CFPB report asks me what the billing address of the credit card is. I marked it as my mailing address because it would not let me submit this report otherwise. I do not know the actual billing address of that card.
Product: Debt collection

I have been repeatedly contacted by this company about a medical debt I'm aware of. 

They called me on XX/XX/2024 and again on XX/XX/2024 after being communicated with via phone and mail that they are to ceist and desist further phone calls. 

This company repeatedly has violated the FDCPA and I have every intention of filing a suit.
Product: Vehicle loan or lease

I had a payment with American Honda Finance scheduled on XX/XX/2020 The payment never went through and I was never notified by the company. Now, I am unable to qualify for a mortgage because of the late payment reporting on all three bureaus ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

The company Capital One Auto Finance XXXX as they have been sued for fraudulently reporting consumers information. They have reported that I owe a debt for income they have received on an auto loan and also I am aware that the incorrect reporting breach from XXXX  and XXXX has negatively affected my reports. 
I have asked for the 1099 C showing they have received the income for this " debt '' and have not been provided the correct information.

According to FTC income should not be reported on my credit report. I am writing you to see to it that the proper measures be taken in order to remove this inaccurate information from my report.

I am filing this complaint against Capital One Auto Finance for improperly reporting income from a charge-off on my credit report, which may violate federal law, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and Internal Revenue Code ( IRC ) provisions regarding debt cancellation.

III. Nature of the Issue Capital One Auto Finance has reported a charge-off on my credit report. However, they have also improperly reported this charge-off as income, which inaccurately inflates my taxable earnings and negatively impacts my creditworthiness.

Under 15 U.S.C. 1681s-2 ( a ), furnishers of credit information have a duty to report accurate information to consumer reporting agencies. By mischaracterizing a charge-off as income, the creditor has provided false and misleading data.

A charge-off is an accounting designation for a delinquent debt but does not constitute taxable income unless the debt is legally forgiven and a Form 1099-C is issued under 26 U.S.C. 6050P. I have not received a valid cancellation of debt notification, meaning this reporting is both incorrect and damaging.

This misreporting has caused harm, including potential IRS implications and an unjust impact on my credit score.

Additionally, the Consumer Financial Protection Bureau ( CFPB ) has previously taken enforcement action against Capital One for similar practices, holding that such misreporting is a violation of consumer protection laws. This case sets a precedent that creditors can not unlawfully report charge-offs as income to mislead credit reporting agencies.
Product: Credit card or prepaid card

Currently have a BJ 's credit card through Comenity Bank. Been trying to log in online since XX/XX/22 and the website has been " unavailable due to a system upgrade. '' My bill is due on XX/XX/22 and I was trying to pay it since XX/XX/22. On XX/XX/22 reached out to Comenity via XXXX due to the fact that the website and now phone lines are all " unavailable. '' Received generic response that " they are working hard to correct the issue etc ... '' Stated I would " not be charged a late fee as long as I pay my bill before the next statement is generated which is XX/XX/22 '' However the company can not give a time frame to when the website will be up and running. When you call customer service it gives a generic auto response then disconnects you.There are thousands of people on social media complaining about this issue with Comenity Bank as they hold several large store credit cards. I was expecting 3 refunds on my credit card around XXXX and I can not log in to see if those were able to be posted. One refund from XXXX XXXX was for {$1300.00}, one refund was from the XXXX XXXX XXXX for {$220.00}, the third refund was also from the XXXX XXXX XXXX for {$70.00}. This " system upgrade '' has caused a major inconvenience to consumers for 6 days now. I can't use my credit card or pay my bill. I have never been late paying my bill. A " bank '' this large should not be experiencing these issues. Rumor has it they were bought by Bread Financial. I did not receive any correspondence whatsoever about my current credit card being bought out or taken over by another financial institution.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX credit bureaus must verify these accounts. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX