23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is a follow-up complaint continued from the original complaint ID XXXX. 

Unfortunately, I find this case should be re-opened. I received the company 's response ( XX/XX/XXXX ) and confirmed that they issued the correct amount of mileage in the statement ( XX/XX/XXXX ). For many years, the mileage included in the statement was transferred to the XXXX program within 1-2 business days. However, this time, it has not been done until today ( XX/XX/XXXX ). Because this was out of the usual processing period, I called US Bank and talked to the rep. The rep also stated that it should have been transferred to the XXXX account last week and put me on hold to speak to the supervisor. After 15 minutes on hold, listening to the background music, the rep returned and said that her supervisor needed more time with the research and asked for another holding. I waited for another 10-15 minutes. Then, suddenly, the background music changed. I thought it was strange, but I kept waiting. Finally, someone came back. But, she was not the same rep, but another rep. This new rep asked me why I called. What?!?!??! So, while on hold, my call was transferred to another person in another department. This new person had no idea why I was waiting on the phone and asked me my previous concern. I did not think it was fair to repeat the whole thing again after spending 30 minutes, so I told her that I would continue this with CFPB.

I've had previous experiences with some reps saying I would be transferred to someone else in another department or I would get a return call later time. But, something I had today was a new experience. They should have been honest if they couldn't find the solution and get my phone number or email information so they could contact me later instead of transferring a customer without notification. 

Basically, this issue still needs to be resolved. The bank pretended to fulfill its responsibility of issuing the promised mileage. However, it failed to transfer the mileage to the linked mileage program properly. Furthermore, it shook off the customer who inquired about this matter by silently transferring the call to another random rep to repeat the never-ending cycle. Typical.
Product: Credit reporting or other personal consumer reports

I sent a Request for Method of Verification Procedures request letter to Experian. Experian responded that my request is fraudulent without even contacting me for verification.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently received a copy of my credit report and I noticed some late payments posted on my credit report ; XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES ; A In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App ( Block , Inc. ) because it provides inadequate customer service and engages in unfair practices that 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 for these violations.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX was filed XX/XX/year> and was granted on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX was included in the XXXX  XXXX, and they have been continuing to report since the final judgement. I would like all the late payments and negative remarks from XXXX during the two year period they were reporting to my credit company removed expeditiously, due to fraudulent and inaccurate reporting and its continuous damage to my XXXX credit report.
Product: Credit reporting or other personal consumer reports

Experian has allowed rocket mortgage and capital one make a hard inquiry. Rocket mortgage agreed to remove the inquiry. Experian will not remove it. XXXX XXXX didn't have authorization to Inquire about credit.
Product: Credit reporting

My FICO score had been rising steadily over the last two years due to my being quite responsible with the utilization of credit and immediately paying my credit card balance in full every month. A few months ago, my credit card company increased my credit limit. They did this WITHOUT asking me or getting my permission. Now because the ratio of my credit usage vs available credit has changed, the bureaus tanked my FICO by XXXX points! In other words, I 'm NOT in debt. I pay my balance in full and on time, but because my monthly charges are now 5 % usage ( vs 7 % ) against available credit, I get punished with a drop in my FICO? This is proof that the credit bureaus need to be investigated and sued. What they are doing is damaging to people NOT in debt. It 's almost as if they rather we accumulate massive debt, which makes no sense. PLEASE do something about this. Obviously their algorithm is broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus are reporting erroneous information on my credit file and i keep disputing the errors.
Product: Credit reporting or other personal consumer reports

My information was leaked and exposed in the data breach, leaving hard inquiries on my credit report from agencies that i have not receive service from. Companies like Ally financial 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX are all companies that have I been a victim of and I became aware of it on XX/XX/XXXX. I have taken immediate steps to address this situation, including contacting companies, freezing accounts, and filing reports with other agencies, but I am requesting that the CFPB intervene to investigate the breach and ensure that any necessary actions are taken to safegaurd my personal information. Under the Fair Credit Reporting Act and under section 605 b, I understand that I am entitled to request assistance in disputing any unauthorized disclosures of my personal information.
Product: Payday loan, title loan, personal loan, or advance loan

I was looking into a pay day loan and this company got my information and deposited {$500.00} into my account. I admit to looking into these types of loans, but did not take one out, or sign for this. This is a scam and others have reported it online as well. The interest is 770 % and they have taken over {$900.00} out of my account that I did not give them and the payoff is {$600.00}. This is a fraudulent company and they do not return correspondence regarding this.
Product: Vehicle loan or lease

I have paid XXXX towards this loan and they have stated that XXXX went towards interest alone making only XXXX go towards the actual principle. i know this is erroneous. They have also stated that i have extended the loan over 13 times. I am now way upside down on the loan and now cant get out the loan or trade the vehicle in as the negative equity is too high.
Product: Debt collection

Receiving several calls a day from this company. I asked to verified the which they have ignored with no response. If they can verify the debt I'll be more than happy to pay the amount owed to them otherwise they need to spot calling me and delete their information from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XX/XX/2023 DEAR TRANSUNION XXXX : XXXX RE : XXXX RE : XXXX XXXX XXXXXXXX I AM NOT SURE WHY YOUR INQUIRIES DATED XXXX IS APPEARING ON MY TRANSUNION CREDIT REPORT. ACCORDING TO THE FAIR CREDIT REPORTING ACT, YYOU MUST ABIDE BY THE PERMISSIBLE PURPOSE PROVISION.

EITHER REMOVE THIS INQUIRY OR PROVIDE ME PROOF THAT THIS INQUIRY COMPLIES WITH THE FEDERAL LAW. 
THANK YOU FOR YOUR TIME, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Ally Financial to change my due date on my loan because I started a new job, and will not be paid until XX/XX/XXXX and my due date is the XXXX. While they do give a 10 day grace period, I was just wanting to change it to the middle of the month so I could still be in that 10 day grace period and not have late fees every month on my car payment. They told me that I was not allowed to change my due date because I asked for an extension in XXXX of XXXX and they gave me an extension date of XX/XX/XXXX. I asked for an extension because I was laid off suddenly and did it as a precaution but was able to make my car payment on time the month of XXXX. They told me that I am only allowed to change my payment date once, so I asked for the entire term that I financed my car I am not aloud to change my due date and they told me that I could not. I asked them to send me the policy on this in which they told me that they have no policy in writing that they could send me that it is an " Ally courtesy '' so I asked them if they could send me the information on that and they said they could not. I also asked for them to send me my contract an they told me they could not do that. I understand that you can't just constantly change your due date for your payment but I am pretty sure all lenders give consumers an option to change the due date once every year. I spoke to XXXX different people including a supervisor and the supervisor is the XXXX who advised that they could not send me any policies. Also, XXXX of the representatives suggested that I just don't pay my late fees and only pay my car payment.. because that makes sense right? They did nothing to try to resolve my request.
Product: Debt collection

SEQUIUM AT XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of XXXX, the collection has been reported as past due. I do not know this company. I have never done any business with this company. this company does not have a contract with my signature.
Product: Money transfer, virtual currency, or money service

Opened a Venmo account on XXXX, XXXX XXXX. Later that same day I had received an email from Venmo that my account has been suspended for " unusual activity linked to your Venmo account which may be in violation of our user agreement '' I requested for what reason, as I had just opened the account and did nothing else. So I do not know why I'm being affected as I did completely nothing besides opening my account. 

Venmo inquired to receive a valid picture ID, which I sent them and the request was denied and the account is still restricted.
Product: Credit card

In XXXX of XXXX  I suffered a XXXX  injury and has XXXX XX/XX/XXXX. The XXXX had some issues and I can not effectively use my XXXX XXXX. I have been out of work since XXXXI begged for a forbearance but they refused. I have been dipping into my retirement fund which is almost depleted just to pay rent and utilities etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/XXXX ( twice ) I made sure to set myself up into an income base payment plan over the phone, because I knew I would be losing my Job in XX/XX/XXXX. They were able to defer my loan and I would be all set. Come XX/XX/XXXX I noticed my credit report showed that I was 90 days ( and some 120 days ) late. This was all supposed to consolidated into one loan, and deferred. I have disputed this several times with both the credit bureaus and with Fed Loan Servicing ( who manages the loan for Dept. of Education ) but they will not comply or admit fault and remove the negative remarks from my credit report. I issued a summons in small claims court, but they had their lawyers move it to Federal court -- -which I can not afford an attorney to handle in Federal ( they knew what they were doing ). All I want is for them to do the right thing and remove the negative remarks off my credit. I have a job now, and intend on paying my loans back, but because of my job loss, I had to eat away at my savings, and dipped into my credit cards. I 'm stuck and struggling to get by now.
Product: Money transfer, virtual currency, or money service

I am filling against cash app ( block , Inc ) Due to adequate and unfair practices which violates the customer protection act ( CFPA ) Cash App failed to take timely and effective measures to prevent fraud on their platform leaving my account, unprotective and vulnerable 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 regulations E. These actions have caused inconvenience and financial loss, amd I seek appropriate redress for these violations.
Product: Debt collection

Receivables Management Systems keeps reporting a collection of debt that I have disputed since they started reporting it to XXXX. They are stating that the original amount of the debt is {$69.00} from a XX/XX/XXXX visit to XXXX XXXX. When receiving care from XXXX XXXX, one can not receive care without first paying for the service. Any further billing beyond the visit would be the responsibility of the insurance company to pay -- which at the time was XXXX XXXX. Any services rendered at a visit to XXXX XXXX would have been fully paid to receive the service. 

Receivables Management Systems has been completely incompetent since I finally reached out to them by telephone in XX/XX/XXXX. Each follow-up call I make they have indicated that the account is being " researched '' since it it being disputed, and I get put through to a voicemail for a person named XXXX XXXX. This was their response again today, XX/XX/XXXX as well as a refusal to put me through to any actual person who could help me. As they have continued to drag their feet looking into it for the last 6 months they have continued to report it to XXXX. The amount of this debt also continues to grow with interest being tacked on and now sits at {$160.00}. 

I am reaching out because I seem to be getting nowhere with resolving this issue which continues to denigrate my credit score and continues to get worse.
Product: Credit reporting

The MIB member insurance bureau is subject to the FCRA under a credit-reporting auspice. They are a collective informational personal health collection agency used by the insurance companies to pool information. They have incorrect data about me, that used to be correct ( XXXX, for instance ) but they are unwilling to correct this despite my doctor 's notes and tests submitted. They wish to retain this patently incorrect information for 7 years. Their reevaluation process is laughable -- they contact the insurers and say " did you say what you said ''? And if the old information is confirmed to 'have happened ' that constitutes a reinvestigation in their minds.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft caused by the Equifax data breach. I have inaccurate fraudulent accounts, names, address list on my report FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block Upon receiving proof of identity theft, you are required by law to block fraudulent information within four business days.
Product: Bank account or service

I went into the Bank of America branch in XXXX, CA to inquire if my direct deposit was added to my account and if it would make sense to change it to a different type of account, before I knew it the account was changed. I was not eligible for a direct deposit account nor did I authorize the change, I was merely inquiring about the different type of accounts they offered. The criteria for the direct deposit account was either {$250.00} as a single deposit or a {$1500.00} daily balance, neither of these fit me and I was not informed of this prior to the change. The bank then told me my eBanking could not be reinstated. I contacted the branch manager the following day in person and also contacted XXXX XXXX at the Customer Service line in XXXX County, CA to correct this error, to no avail. The new changed account now has a monthly {$12.00} fee to maintain the account, so there was no prior notification of this and now I must close my account immediately in order to not have to pay this monthly fee. I want to emphasize that I never gave authorization to change my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS PERSONAL INFORMATION ON MY EXPERIAN REPORT IN INACCURATE AND FRAUDULENT THE ADDRESS XXXX XXXX XXXX XXXX XXXX FL, XXXX IS NOT MINE AND DOES NOT BELONG TO ME I HAVE ATTACHED MY IDENTITY THEFT AFFIDAVIT
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.
Product: Credit reporting or other personal consumer reports

LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
Product: Money transfer, virtual currency, or money service

I can no longer link my PNC bank account debit card with the XXXX investing program. I have been using XXXX  with PNC for a year and having my purchases through PNC rounded up to the next dollar and that difference invested in my XXXX  account. At the beginning of 2020 this card link was terminated. I have tried numerous times to re-establish this link but PNC will not allow the link. I have communicated eith PNC and have not been provided with a reasonable explanation..
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit card

I received a call from citibank regarding a past due balance. I advised them that I had not used the card. I entered the call with the dispute resolution specialist authenticated. When I spoke with her she seemed to be telling me that the only way she could dispute the transaction is if I would give her my full social security number and other personal information as well as verify whether the purchase was made near my home. When I asked about what was purchase, where, and how much she would not give me the information. I checked my credit and there was an alert that a previously inactive card had been used in XXXX for XXXX. Since the company would not process my dispute of the transaction, I disputed it on the credit reporting website. The company continues to call trying to collect payment several times a day. When I call them I just go directly into their payment menu. I don't have the card to get the number from. Now, when I answer their call I just go directly into the automated payment menu.
Product: Debt collection

I do not know this company that is collecting this debt and I do not own this debt and this is so unfair. Please help me get this removed.
Product: Vehicle loan or lease

Account # XXXX I have called the creditor ; GM Financial at ( XXXX ) XXXX and sent a " good faith letter '' asking if they could please remove this account from all 3 credit bureaus because : 1. I sent a letter explaining the late payments 2. The account is closed 4. The car was totaled and I no longer own or have After XX/XX/2022. Please remove from credit reports. I spoke with XXXX the supervisor. He stated that if he did it for me, then he would have to do it for everyone else. So, it was made clear, that GM could delete the account, but they just don't want to.
Product: Bank account or service

First Merit Bank is harassing me now because I previously filed a complaint against it with the CFPB. Earlier this year I closed my account with First Merit Bank. I also filed a complaint with the CFPB because the Bank erroneously and fraudulently kept part of my balance. Because of my complaint, the Bank gave me the monies due me. Now, on a letter dated XX/XX/2015, the Bank writes that my CLOSED account was overdrawn on XX/XX/XXXX. Because the malicious and fraudulent action by the Bank to make my CLOSED account overdrawn LONG AFTER it was closed, it is reasonable to conclude that the Bank is RETALIATING against me. The Bank, by its malicious actions, is now ruining my credit history, which was perfect without any overdrawings while the account was open.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB - AUTO FINANCE This item is outdated and keeps appearing on my credit score. I've disputed this item many times. I need this item removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a debt for something i paid a consultation fee in the past already ; then the doctor sent me a consultation bill way over charged for something i was never made aware of. they tried to run-a scam for an astronomical bill that i was never made aware that i would be charged for. This is ruining my credit. I would like to see proof for this debt. I contacted both and never received a response.