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

My student loans were transferred to XXXX XXXX by XXXX XXXX. Whilst and after completing school, my loans were always in deferment or forbearance status until I could get to the point were I could manage repayment. I started repayment of these loans a few months back and noticed my account had reported late payments for XXXX and XX/XX/XXXX. I spoke to an advisor and he tells me had contact with XXXX in XX/XX/XXXX and was put on a forbearance that lasted a month later XX/XX/XXXX. Which does not sound like the correct way my account was to be handled when I spoke to them I was offered the income driven plan which I have always declined and asked for my account to be put on the forbearance. The advisors I spoke to never did what they had to do on their part and instead noted my account as if I was interested in the income driven plan. I specifically explained I have never been interested in that service or plan. This employees mistake has now caused me issues with my credit because since fedloan logs separate reporting for each individual loan those 2 months that were reported late have become 12 late payments since I had 6 separate loans. This is also unfair because if the loans are separate then they should be reported once just one late payment turns into 6. This needs to change it is very unfair for customers and people who might not be in good economic conditions. They have poorly trained and lazy advisors that end up giving people the wrong information, and incorrectly note accounts. I need this issue to be corrected as soon as possible or I will pursue legal action.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was invited to submit a payment in a cashapp money flip, whereby I was to submit {$100.00} that would be flipped for a higher amount within 10 to 15 minutes. I submitted the {$100.00} payment and received a response stating that a payment, in the amount of {$2500.00}, is pending an IRS fee of {$250.00}. I submitted the " fee '', but nothing came through. After reaching out to cashapp support I was advised that they could not or would not act to assist me in resolving the issue. I have maintained copies of all of the online conversations between me and " XXXX XXXX '', the phone numbers used in the telephone conversations, the cashapp " XXXX '' and name of the party payments were submitted to as well as those parts of the online conversation where the company associate, XXXX XXXX, implies association directly with cashapp and the IRS. It is my sincere belief that an employee or employees at Cashapp are facilitators or co-conspirators to and of the scam. Documents have been maintained to prove that I acted in good faith with a legitimate expectation of receiving the services payed for. No service has been provided to date and Cashapp has suspended my ability to seek refund from the recipient XXXX XXXX, XXXX XXXX ( the recipient I was directed to send money to, as part of the business, by XXXX XXXX, XXXX, XXXX, and an unknown male actor, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have never been late on a payment in my life. due to the recent virus a bank of america card was paid a lil later. this was not my doing, i ask for forgiveness due to the pandemic and i will do anything to clear my name.
Product: Debt collection

Homeowner received letter of collection from XXXX XXXX XXXX. The letter advised unless there is dispute the validity of the debt or any portion, there was thirty days to respond which HOMEOWNER requested validation of debt with cease / desist response. XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. Wells Fargo Bank informed XXXX XXXX informed HOMEOWNER, he needed to call XXXX XXXX XXXX. 
The XXXX Georgia Community Organization OCCUPY OUR HOMES XXXX reported XXXX XXXX, XXXX Wells Fargo Bank Mortgage/Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX contact : XXXX XXXX has been instrumental in assisting banks in their effort to steal wealth from hard working Georgia residents. XXXX XXXX has excelled at putting people out of their homes and into the street. 
XXXX XXXX for going the extra mile to swiftly remove people from their homes so that banks can claim massive inventories of vacant homes, collect insurance, and then sell homes to private equity firms at record rates.XXXX also played a key role in the robo-signing scandal. In fact many fraudulent robo-signed signatures were signed by XXXX XXXX personnel. Robo signing may not have been possible without the tenacity of XXXX XXXX. XXXX XXXX has, and they certainly have profited greatly. HOMEOWNER asked XXXX XXXX XXXX Assistant Attorney ( XXXX XXXX ) about verification and XXXX stated what Wells Fargo tell them is good enough for them. 
HOMEOWNER never did receive any verification from cease and desist letter submitted to XXXX XXXX XXXX attorney firm. 
On XXXX XXXX, 2013, Wells Fargo Home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX REPORTED XXXX WAS HOLDER OF DEED AND PROMISSORY NOTE ON LISTED PROPERTY. WELLS FARGO HOME MORTGAGE WAS SERVICER FOR XXXX XXXX XXXX. When HOMEOWNER reported that XXXX XXXX XXXX had reported not to be lender of deed. XXXX XXXX XXXX RESPONDED WE JUST GO BY WHATC WELLS FARGO Bank tells us. which IS FORECLOSURING ON FOLKS ON HERESAY AND NOT INVESTIGATING FOR LEAGALITY .... 
XXXX XXXX XXXX ( XXXX XXXX ) statedXXXX XXXX XXXX does n't have to respond and will not respond. Then XXXX XXXX stated the information was sent to Wells Fargo Bank, you can ask them for the papers. 
Wells Fargo Bank XXXX XXXX home preservation specialist stated Wells Fargo Bank had not received any information from attorney XXXX XXXX XXXX. XXXX XXXX informed XXXX XXXX XXXX, he needed to call XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When Ire investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  XXXX Balance : {$24000.00}, CAF XXXX Balance : {$22000.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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

XXXX XXXX is reporting this account on my credit report Account # : XXXX ... ..I have no idea what this account is even from ... i have asked for them to investigate it as well as all 3 credit bureaus and it comes back as verified everytime ... .I know they are not conducting a proper investigation into this as i see inaccurate reporting in the reporting ... ..the account is reporting as an open account and also a charge off ... it common sense tells me that it can not be both ... .i have attached a copy of the reporting for your viewing pleasure ....
Product: Credit reporting or other personal consumer reports

I am filing complaint as I found inaccurate information AMERICAN EXPRESS accounts. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Product: Credit reporting or other personal consumer reports

Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 my cash app account was locked AFTER I deposited {$300.00}! I am not able to use my cash, speak with a human or use my account. I have contacted the company almost every since then and have not heard back.
Product: Debt collection

In XXXX of 2020, after contacting XX/XX/XXXX andXX/XX/XXXX from XX/XX/2020 through XX/XX/2020 ; I Contacted the collection agency to verify the debt and balance, date open etc. are accurate. The company first they investigated my dispute with the original creditor ( In which I will provide proof of all correspondence. This company is still reporting a balance when the account was said to be charged off and reporting negatively on my credit report XXXXXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX. i would like to have matter investigated and removed from my credit report. the company also informed me that they had sent the debt back the original creditor but yet they are still reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXXXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXXXXXX XXXX XXXXXXXX BANK Account # XXXX, XXXX XXXX BANK Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and i was going through my credit about 2 accounts attached here that continues to show on my credit report, but however, it's my understanding that XXXX XXXX was involved in litigation in the way that they writing loans to their consumer. It was my understanding that there were alot of fraud going on, but also, this account is not verifiable because there are multiple inaccuracies reporting. Such as 3 different dates of last open, dates of last active, dates of last payment, dates of last reported, dates of 1st delinquency, inconsistent with the payment status and payment history. It's my understanding that once an account is charge off, sent to collection and closed, there shouldn't be any more payment history reported after. Also, the 1099c balance is questionable with the balance reporting. Please investigate and delete as it's not verifiable and too many violations reporting.
Product: Credit card or prepaid card

I have an Amazon Prime Visa card ( financed by Chase Bank ), and they have a feature where they break down what your " interest saving balance '' is each month. The statement explains : " Pay the Interest Saving Balance every month by your due date to avoid interest on new purchases and avoid prematurely paying off your flexible financing offer balances. This amount includes your current statement new balance, minus your total balance for flexible financing offers, plus your monthly payment due for all flexible financing offers. '' And also " By paying your Interest Saving Balance each billing period by your due date, you will avoid interest on purchases appearing on your next statement. '' On my statement issued on XX/XX/22, the Interest Saving Balance listed was {$1000.00}. I also redeemed some credit card rewards for a statement credit worth {$6.00} on XX/XX/22. Subsequently, on the payment page for this credit card, I was then shown an Interest Saving Balance of {$1000.00} ( which is {$1000.00} minus the {$6.00} statement credit ). So I paid the remaining amount of {$1000.00} on XX/XX/22, which was one day prior to my payment due date of XX/XX/22. On my next statement issued on XX/XX/22, I was charged {$16.00} in interest. 

I contacted Chase to get an explanation and was told by the first person that I didn't pay the {$1000.00} by the due date. I replied and explained that I had redeemed a statement credit and in fact did have credits and payments totaling {$1000.00} that were credited to my account prior to the due date, but the next 2 customer service representatives who responded did not address this discrepancy, and instead told me I had to " pay the full statement balance '' to avoid paying interest. 

I feel like this is deceptive and I would gladly have paid the extra {$6.00} with my payment vs redeeming a statement credit if I had known I would just be charged {$16.00} in interest. On this next statement cycle, I verified that this is occurring after redeeming another statement credit - my Interest Saving Balance shown to me on the payment page was decreased by exactly the amount I redeemed for a credit to my account. Chase does NOT indicate in any of the fine print that statement credits do not count towards payment of this Interest Savings Balance, and nobody with their customer service has attempted to address this issue. I plan to pay off my card completely and not use Chase for any credit card needs in the future, but I hope others are not needlessly paying interest due to their deceptive and false descriptions of this " feature '' with this credit card. 

I do not have any copies or screen shots from this initial incident that I am reporting, but I do have screen shots that I will include of my current statement ( Interest Saving Balance listed as {$270.00} ) and the change in the Interest Saving Balance displayed on the payment page ( reduced to {$260.00} ) after redeeming {$12.00} in rewards as a statement credit.
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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section XXXX XXXX XXXX XXXX, It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX, JJ Marshall, XXXX XXXX, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a states, a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b states, a creditor may not treat a credit card account under an open end consumer credit plan as late for purpose. I request that you remove this information from my credit report or investigate the accuracy of it. Please verify the information with the creditor and provide me with documented evidence of the verification process.

As outlined in 15 U.S. Code 1681e, you are required to comply with reasonable procedures to assure the maximum possible accuracy of the information contained in my credit report. If, upon investigation, you find that the disputed information is inaccurate or incomplete, you must promptly delete, modify, or correct such information or block the reporting of the disputed information, and inform the creditor of the same. 

I expect a response from you within 30 days of receiving this letter, as per the Fair Credit Reporting Act 's requirements. Failure to do so may result in legal actions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : JPMCB AUTO FINANCE Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to my credit report.
Product: Checking or savings account

I have been a customer of Citibank for 15 years. The last few weeks have been a nightmare which has been affecting me and bringing up high stress level. On XXXX/XXXX/XXXX, My checking account was taken {$320.00} from my account without my consent by Citibank. I have been dealing with this matter since XXXX XXXX. Since, I ended up closing my account due to their inability to make stop payments from a company who i do not deal with anymore. Due to closing one account and opening a new checking account. According to Citibank, i was giving a credit by mistake which was my money from the beginning. I do not enjoy switching financial branches. Therefore, I ask you to help me with this matter.
Product: Debt collection

XXXX   XXXX  failed to record a tool rental return. They have now billed me an amount, far in excess of the tool in question, and handed that debt to a collection agency without contacting me and despite my repeated calls and emails to  XXXX   XXXX .   I am now being harassed in writing by  Vengroff Williams Inc .     I should be removed from this list and not contacted again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XX/XX/XXXX after my mother 's XXXX on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXX and continued to the present Equifax security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, Equifax and XXXX. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi I was trying to add my credit card to XXXX XXXX  and I also have higher interest charges on my credit card statement and Im struggling to make ends meet and finally I having trouble adding my credit card on XXXX eats and the credit card company told me I need to contact XXXX and XXXX support to fix the problem in which I did and I dont feel comfortable giving out my credit card information to XXXX and XXXX over the phone ... and TD bank reps were rude to me and hanging up on me and transfer me to different departments and all I wanted is too add XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these purported creditors have violated my rights. 
Under 15 USC 1681, section 602 my right to privacy is insured. Also, Under 15 USC 1681, Section 604A, subsection 2 it is also stated that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B, a creditor may NOT treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

I demand that these unauthorized recording be removed from my credit record immediately.
Product: Checking or savings account

my IRA CD matured on XX/XX/XXXX I had 10 days grace period, I did not wish to renew.Fax was sent XX/XX/XXXX to requested a distribution request, the fax was ignored and CD was renewed til XXXXBefore that I called on XX/XX/XXXX 3 times and any day thereafter to make them aware not to renew, customer service agents kept transferring me around and had not much knowledge about CD procedures, I have all call logs and fax confirmation.I like action being taken and feel my consumer rights have been violated.