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

I am filing a complaint in cashapp due to inadequate service and u fair practices. Which violate the customer protection act. 
Speciafically cash app failed to take timely measures to prevent and address fraud on their platform leaving my account unprotected. 
Their dispute resolution process was unfair as they did not comply with error resolution requirements, under the electronic fund transfer act ( EFTA ) And regulation E. 
This had 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 contacted all 3 credit reporting agencies regarding a XXXX XXXX account financed through XXXX XXXX. This is not a duplicate! I have contacted XXXX XXXX on numerous occasions and have constantly been redirected by their customer service center. Below is a description of my complaint. The times purchased were from years ago and I resolved this matter with XXXX XXXX, please see notes below. I am standing on the fact that I bought used furniture and the store refused to take the furniture back. I asked the 3 credit reporting agencies to conduct an investigation into this matter as the store has not been able to assist me. 

I did receive a letter from XXXX stating this information is not reporting on my credit file, however, when I looked at my credit file again XXXX XXXX is still listed. 

In 2013, I purchased a sofa and chair from your XXXX XXXX, IL location financed through XXXX XXXX. This letter is to bring to your kind notice the inferior quality of the furniture supplied by your reputed showroom to my apartment. 
Unfortunately, the furniture I purchased was of such poor quality I eventually had to discard. The mentioned pieces of furniture started losing their shine and quality in no time. Further, the sofa collapsed a month after purchasing. I contacted the store not long after and the manager said he would settle the account and take off an additional 40 % on what was owed as he could not take the furniture back. I believe at the time it was a little over {$300.00}. However, when pulling my credit report I noticed that this account was listed as me owing over {$900.00}. I am very distressed that the information below was included in my credit profile due to its damaging effects on my good credit standing. I am asking that you please investigate this matter as soon as possible.To my knowledge this account had been paid off many years ago. 
Conditions of Furniture : -The furniture appeared to have been lived in. I found food, headbands, and other personal items in the inside. -Not in the condition guaranteed by the store -Furniture badly damaged when transported from showroom to apartment. 

I was extremely disappointed in the furniture I purchased and now this outstanding debt. I believe XXXX XXXX is selling pre-owned furniture. there is no way the pieces I bought were only in their showroom and this badly damaged.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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
Product: Debt collection

I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Product: Prepaid card

I made a transaction with Paypal that was to be paid using my Paypal balance first, with the remaining balance charged to my credit card. However, when the transaction was processed, Paypal charged the balance to my bank account instead of my credit card. 

Prior to completing the transaction, I verified this configuration several times on the Merchant 's website as well as Paypal 's. I 'm not sure what went wrong, and frankly, I do n't care. I just needed Paypal to fix it. 

When I contacted Paypal, they assumed I was at fault and were unwilling to change the funding source for the transaction or offer any solution to correct the problem.
Product: Mortgage

I entered into a loan modification because I was not able to go back to my pre-COVID job The job I have now pays 50 % less than the one I had for almost 30 years. In fact, I am in a totally different field since I am unable to do the work I did previously I was not in foreclosure when I requested the modification I received notification that my payments would be on a 4 month trial and if I complete the trial, I would be on a modification which was worse than I had previously but I was told by the company to take the modification or refinance. I could not refinance so I took the modification, I paid the first two payments by rapid pay through their phone system. They then reported me to the bureau for being late. After that fiasco, I overnighted the payments which were worse, they received it by the deadline but refused to credit it timely. They were received by the due date but never credited on time so they reported me again and my wife. This company Dovenmuehle does this to me all the time with a previous loan, I'm so sad XXXX ( I never had this happen with XXXX ) sold to XXXX XXXX who uses this servicer. I tried to resolve the matter by sending the servicer a notice of error See attachments They fixed the error once but then again trashed my credit Im still waiting on accounting for the lump sum payment they received in XX/XX/2021. I think this is retaliation for a previous reporting to this agency for their tactics This is all a violation of the FRCA. The account was supposed to be frozen during this period and now I checked my credit to see that they are saying I owe them over {$7000.00} after paying the four reduced payments. How is this allowed?
Product: Credit reporting, credit repair services, or other personal consumer reports

1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( EXPERIAN and XXXX ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN and XXXXwith an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN and XXXX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX  XXXX XXXX. XXXX
Product: Debt collection

Portfolio Recovery is attempting to collect a supposed debt from me while refusing to provide me with proper verification of said debt. All the while damaging the credit score that I 've been working so hard to repair.
Product: Credit card or prepaid card

I opened an American express platinum card due to fees being exempt for military. After I applied, I was charged XXXX like everyone else and they said I was not in the XXXX system. I have spent multiple hours on the phone, send documents to prove I have been on XXXX XXXX for a long time. They wouldn't take the fee off. A supervisor told me that they see I am XXXX XXXX but will not waive the fee. Card was opened in XXXX and they have waived every year except the initial. I am at my witts end trying to resolve this. Please help. I'm still on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get this issue corrected for 3 years now. XXXX XXXX and Equifax has been reporting incorrect information on my report. The account details are not matching, the monthly payment is incorrect, the date the credit card was opened is incorrect, the balance is incorrect it should be {$0.00} because its been charged off and written off by the creditors on their taxes so its no longer my debt, high credit limit isn't matching and also incorrect, past due amount is incorrect, and the comments from all XXXX bureaus don't match either.
Product: Payday loan, title loan, or personal loan

I was told repeatly that there was not any origination or up front fees with this loan when I spoke numerous times with account representative on the phone. 

When loan dispersed I was charged a origination fee of {$480.00} on the {$8000.00} loan. 

I called numerous times to Lending Club XXXX only to be put on hold and then hung up on, told they would look into it and get back to me, and refused to let me speak with a supervisor. 

I then sent them a letter and email regarding my issues they then debited my checking account 4 days early for the monthly payment which caused issues with my checking account overdraft. 

I called again about both of these issues and was again told someone would address my problems but they never called or emailed me. 

I proceeded to close my checking account so they could no longer debit it. 

They violated the terms of our agreement/contract on origination fee and early debiting my checking prior to the agreed due date of a payment. 

Lending Club never addressed my issues and sent the account to a collection agency. I have been receiving harrasing phone calls from 4 different agencies/legal that claim to have the account, and my credit reports shows chargoff and collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been reporting inaccurate information, unverifiable, no proof of evidence including the dates and amounts.
Product: Credit card

am writing to formally file a complaint against Apple Card, issued by Goldman Sachs, regarding their deceptive and unethical handling of a dispute on my account. 

After initially notifying me that my dispute was unsuccessful, Apple Card/Goldman Sachs rebilled the amount to my account. However, instead of returning the funds to the merchant, XXXX, as required, they retained the moneyengaging in what appears to be a fraudulent scheme involving double-charging and misappropriation of funds. 

Furthermore, upon noticing this unethical practice, I contacted Apple Card/Goldman Sachs and explicitly requested that they return the rebilled amount to the merchant. Instead of honoring my request, they unjustifiably reopened the dispute, despite my clear instruction not to do so. This blatant disregard for customer instructions and ethical financial practices highlights severe misconduct and potential corruption within their operations. 

Their actionsfailing to return funds to the merchant while simultaneously rebilling meconstitute financial fraud and exploitation. I urge the relevant authorities to thoroughly investigate Apple Card and Goldman Sachs for their deceptive practices and impose appropriate penalties to prevent further consumer harm. 

I request an immediate review of this matter and demand that my rebilled funds be returned to the merchant as initially intended. I also call for stronger oversight and regulatory actions against these predatory financial practices. 

Please let me know the next steps I should take to escalate this complaint. I appreciate your time and assistance. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some negative items in my credit report and dont belong to me XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX MACYS Account Number : XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Mortgage

I changed my monthly mortgage payment from monthly to semi monthly and they withdrew both the monthly and semi monthly payments from my checking account and then said if I can prove they did that, it would take 7-10 business days to fix it. They also said they would not contact me that I would have to keep calling them. Meanwhile I got a message from them totally unrelated saying they won't change my payment date to the first of the month. I didn't even ask for that. 
This is a horrible company to work with and I wish I had a choice who manages my mortgage, because I certainly would not pick this company!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} XXXX XXXX  ( Original creditor : XXXX XXXX  XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX AV XXXX XXXX, FL XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXXXXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXX FIRST : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX  XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

The Bureaus : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX :  This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

NEVER HAD A ACCOUNT WITH THIS BANK IT SHOWED UP ON MY CREDIT REPORT ITS NOT MY ACCOUNT
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX {$0.00} CREDIT XXXX {$1400.00} XXXX {$270.00} XXXX {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX  , XXXX XXXX XXXX XXXX XXXX   violated my 609 rights by reporting information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 
My personal information on my credit report is inaccurate as well. I have requested to have addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Product: Credit card

Hi there! 
this complaint is against capital one, who has repeatedly keep misusing my personal information, my address.everytime when i login to capital one my account my address always been reported wrong XXXX, NY XXXX, Which is wrong, i contacted capitalone XXXX to resolve the issue.After changing my password so many time, i am still experiencing the same problem. My address is XXXX, NYXXXXXXXX, That 's the only address i would like to have on file. The address XXXX, ny XXXX never been my address and never been a physical address. This address could be a result of identity theft.I have tried to resolve the issue with capitalone unfortunately they could n't help me. I never missed a payment. Should be a fair treatment to all of us, equal opportunity. 
my first name is XXXX, my last name is XXXX I am XXXX years old i reside at XXXX, NY XXXX .My email address is XXXX. My cell number is XXXX, this complaint was filed by my husband XXXX, on my request. For future correspondence feel free to contact my husband at XXXX and email XXXX .we both lived at the same address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I log into XXXX XXXX its not showing me an updated score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.