23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was charged late payment on a card I never used. When I called the credit card company I was told Im being charged an annual fee. I express that I knew nothing about an annual fee. It was just a scan and they said I was approved. At that time when speaking with costumer service I requested they close the account. They apologized again and said they owe me {$20.00}. Now Im just recently finding out they slap a late payment on my account back in XXXX. Which is highly affecting my credit report. I called to ask what was this and was told they will do a good will act and remove this charge.
Product: Debt collection

Contact was made by D and A Services on XX/XX/2018 @ XXXX eastern time stating personal information such as address, date of birth and SSN the women proceeded to state this information was needed to be verified by me before they could sue on the behalf of another collection agency, neither agency has validated with a contractual agreement of my owing any money to them, so my response was to go ahead and sue, documentation is required in court. On XX/XX/2018 I received a collection letter not a subpoena. Unless this debt that has been validated ( with a contract ) not just verifying by general information or copies of documents without a signature, I owe nothing. According to the FTC, FDCA 1692 ( c ), ( d ), ( e ), and ( g ) threats to collect is an illegal practice, another illegal practice was contacting me by use of my cellular phone under the Telephone Consumer Protection Act 47 USC sec 227 ) without my written consent.

A letter of validation of a contractual agreement has been mailed to D & A services, I am waiting on the returned receipt, upon receipt I will be able to provide the information. I have returned receipt of documents mailed to the other agencies, it can be provided by fax or mail.
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 proces. 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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau Transunion, XXXX  and XXXX. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates LLC is attempting to collect a debt that was discharged in Chapter XXXX bankruptcy XXXX XXXX XXXX. I called their office on XX/XX/2020 to alert them of the error. I also sent a certified mail on XXXX/XXXX/2020. As of today the information is still being reported on my credit report.
Product: Debt collection

XXXX XXXX XXXX , XXXX out of XXXX, XXXX is attempting to collect on a debt that exceeds the statute of limitations of 7 years. This debt was part of a divorce decree filed in XXXX XXXX, XXXX in 2003. As of today 's date, that makes the debt more or less 13 years old, thereby exceeding their jurisdiction. In addition this debt has been sold three times to different creditors and I do not believe the statute of limitations resets itself in order to satisfy a debt. It also states on their letter that if the amount exceeds XXXX dollars they " may '' report it to the IRS which is predatory collection practices.
Product: Checking or savings account

On XX/XX/2021 I submitted a request to withdraw my funds from my rollover IRA ( money saved while working in the US ) and close my account at Citibank Banking, I now live and work in the XXXX. I called a month later and was told the process should have taken 2 weeks, so the customer service representative escalated my request. I received no email, call or letter for another 2 months, and since my calls were being disconnect while being on hold every time I was trying to call, I gave up and wrote by post, highlighting my urgent need for these funds. 
On XX/XX/XXXX, I received a letter acting to resubmit one of the form, I did so the same day. I called on XX/XX/XXXX, and was told the form had been acknowledged as received on XX/XX/XXXX. I called 3 weeks later, as I had still not had the funds transfer. As no movement or information on file, the customer rep, escalated again. Each time I reconfirmed my phone and email address to help with communication, but I still did not receive information. On XX/XX/XXXX, I called again, spoke with a manager said this was in the hand of the tax group which I can contact directly, and he would not transfer. I clearly stated I was complaining and would escalated if not informed in a timely fashion. As of XX/XX/XXXX, I have : - Not received my funds - Not being asked for information - Not being informed of the status of my request or when I could expect my funds - Not been provided with a complaint number. 

As no longer have an current account with them, ATM or credit card, I can not use the online portal, and feel they are treating like garbage. When they wanted information from me for other purposes, funnily enough they remember to email me using their usual secure email, but to answer my questions they can't. 
Please help me. I'm just trying to get my money back I trusted them with and work very hard to put aside. After the 100s of millions of dollars they overpaid to a corporate client, I feel cheated for a few {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My autopay was turned off for my Capital One credit cards without my authorization. This caused my credit score to drop XXXX points. My XXXX score was XXXX and I always ensure I pay my cards off diligently and have auto pay set up. The payment was only for {$36.00}, including the late fees. I was never notified by email by Capital One that my payments were late or that automatic payments were turned off. I have paid Capital One the account balance as well as the late fees that I should not have received, and have re-set up autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 30 plus days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXXXXXX Balance : {$230.00} XXXX  XXXX Balance : {$270.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful that you took the effort to discard some of the data in my credit report, but there are still items that require deleting. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected and removed from my file immediately. 
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: Debt collection

This complaint is in regards to Weltman, Weinberg, and Reis, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX who are representing XXXX XXXX  as a debt collector. In a hearing held on XX/XX/XXXX, Weltman, Weinberg, and Reis agreed to settle the debt for {$2600.00} with {$1100.00} paid from a XXXX XXXX  transfer leaving a total of {$1500.00}. We were then advised to make monthly payments of XXXX dollars per month that increased to XXXX dollars per month beginning XX/XX/XXXX. We have been sending money monthly and while not always able to pay the XXXX per month we have diligently sent in a payment of at least {$50.00} every month. Since this judgment, I have paid a total of XXXX, which should leave a balance of {$500.00} at this time. I received a letter from Weltman, Weinberg, and Reis dated XX/XX/XXXX that outlined the judgement, the amount owed, the amount payed, and the remaining balance of XXXX. In this letter there is no mention whatsoever of additional interest and fees. After missing a payment in XXXX of XXXX due to loss of employment from the Corona Virus, we received a letter from Weltman, Weinberg and Reis dated XXXX, XXXX with a noted balance due of XXXX. Seeing this balance, which is more than the agreed upon settlement, led me to call Weltman, Weinberg, and Reis. I spoke with a representative on Monday XX/XX/XXXX who informed me that we were being charged interest and there were also court fees in the amount of XXXX applied to our balance. The representative was not able to provide me with a balance as a start number from in XXXX of XXXX. I was led to believe that number was the agreed upon settlement balance of XXXX. 

Not only did Weltman, Weinberg, and Reis not act in good faith but they deliberately set us up for failure of repaying this debt. While we have been making payments each month the total has been increasing unbeknownst to us. The total is now almost double what we originally owed, and while we thought we were close to paying off our debt we are now even further in debt. We have never received any type of statement from Weltman, Weinberg, and Reis demonstrating our payments, informing us of the interest applied to the amount, and that the balance has continuously gone up due to the interest or whatever other fees have been applied without our knowledge. We feel we are owed at least an adjustment to our balance accordingly due to Weltman, Weinberg, and Reis not acting in good faith and being deliberately obscure with and withholding the details of our repayment. 

Thank you for your time and consideration of this matter. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. My personal information was compromised in a recent data breach, and as a result, unauthorized accounts and inquiries have been placed on my credit report without my consent. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that you block and delete all fraudulent accounts and related information from my credit file.

The account and inquiries that I believe to be fraudulent are as follows : Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report an account listed in my consumer report incorrectly. The account is XXXX Account # XXXX the account has several late payments listed that is incorrect. Transunion has late payments listed as XX/XX/year> XXXX XXXX  and XX/XX/year>. XXXX XX/XX/year>, XXXX 2024, XX/XX/year>, and XX/XX/year>. XXXX XX/XX/year>, XX/XX/year>, and XXXX XXXX. These late payments are not accurately reporting and they do not match up. These payments should be updated as paid as agreed. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Checking or savings account

Usaa has reported me to XXXX XXXX XXXX for an account I didnt opened I lost the dispute with the bank and they sent debt and made it to where I cant get a bank account for the next 5 years I didnt do this and want it removed
Product: Mortgage

I am currently in loss mitigation, set to begin the deed-in-lieu process with Shellpoint Mortgage Servicing at the end of this month, however, I have received both a Notice of XXXX, and a courtesy letter with a Sheriff 's sale date XXXX XX/XX/XXXX on behalf of Shellpoint and the attorney XXXX record, XXXX & XXXX. 
I was told on XX/XX/XXXX by XXXX XXXX that a foreclosure sale of my home was put on hold, and that the deed-in-lieu process would begin in XXXX. However, when I spoke to an attorney at XXXX XXXX XXXX, I was told that Shellpoint has not communicated with them to cancel the sale. 
It seems to me that Shellpoint is making false promises to cancel the foreclosure of my home because I am still receiving XXXX notices with sale dates from my XXXX XXXX XXXX, AFTER Shellpoint has told me they cancelled the foreclosure with the appropriate authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint on XXXX against Experian for fraudulent accounts that were not mine. I requested for fraudulent accounts to be blocked from my credit. They responded on XXXX/XXXX/XXXX stating that accounts and inquiries have been blocked as requested. I received an updated report showing they were deleted but then the next day XXXX/XXXX/XXXX when I checked my reports creditchecktotal.com the fraudulent accounts were readded without notice. I called Experian XXXX and was told they had proof the accounts were valid. I requested proof and still to this day have n't received anything showing that the fraudulent accounts and inquiries belong to me. I would like to file a claim for damages as a result of the pain and suffering that I have been under due to my personal credit report having fraudulent information being reported. I have attached my police report, request to block and the proof of accounts and inquries deleted to soon be readded without proper notification and proof of claim. The Fair Credit Reporting Act requires that the credit bureau inform you BEFORE they re-report a previously deleted listing.
Product: Credit card or prepaid card

Cash app is holding my money and locked my account. Ive been sending e-mails for 4 days now and no response. From what Ive heard from other people is that they lock the account and keep the money. I cant even pay my bills or buy food!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX ) sent my account to collections without notifying me there was anything due. Once the collections company, CBE Group, got the file they immediately reported it to the credit bureaus. This was a {$59.00} charge that never should have gone on my report. I was unaware of it and after speaking with the collections company it is showing as satisfied rather than removed. To summarize, this was a cable box I did not know I had to return. I was never notified I needed to return it until it went on my credit report.
Product: Mortgage

XXXX has received our authorization multiple times. Today, XX/XX/18, XXXX  is refusing to speak to us, claiming there is litigation on the file. There is NO litigation on the file. There is an executor, and the executor wants to do a short sale. 


THIS IS NOT ACCEPTABLE. 

CC : XXXX XXXX, California Attorney General
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible and that tracking these transactions were unfeasible. The CFPB 's findings indicate that Zelle has not only been neglected to protect consumers, but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 

Unfortunately Zelle transactions only go back XXXX months. However, I lost funds due to offenders being able to exploit the system when trying to pay for goods and services. The amounts varied throughout the years. Please let me know what you need for reimbursement.
Product: Credit reporting or other personal consumer reports

Sun loan company is stating on my credit that Ive applied for them but when I go look for a account with my name there is nothing there when I call them they say it does not show that Ive applied for any loan from them so I dont understand why would it be on my credit.
Product: Debt collection

I was constructively eviction from the XXXX XXXX XXXX XXXX  managed by XXXX XXXX XXXX, where I had been a resident for sometime, when the management company hired a new manager, XXXX XXXX. This new manager started harassing me by filtering noise, and vibrations through my apartment. I complained to the management office and was told that I had no proof, so nothing was going to be done. I reported it to the police, but the police told me that the manager had to be caught in the act. So there was nothing that the police department could do.The harassment continued and started affecting my health ( increased XXXX XXXX and XXXX  from the noise ). I had to move out. The last interview I had with a different manager, I was told that I was released, everything was cleared. After moving out, months later I noticed that my credit XXXX Score had been dinged by a collector on behalf of XXXX XXXX for failure to pay an amount in which I had not received any notice of. This ding on my credit score was a continuation of the harassment I had been receiving when I lived at the apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX 6. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

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.