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

On XX/XX/2023, it has come to my attention that XXXX XXXX  AFNI, INC., AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that XXXX XXXX  has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
Product: Money transfer, virtual currency, or money service

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 for violations.

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

XX/XX/2019, I requested verification under section 609 ( a ) ( 1 ) ( A ) to XXXX, XXXX, and Equifax. Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is ground for removal since they also violated my rights under 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 an account without my written instructions. Also, the Credit bureaus took more than 30 days to complete my investigation. 

Here is my certified mail tracking : XXXX, XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint regarding the fraudulent items on my credit report. I have made several attempts to resolve this matter through your customer service department without success. 
I first noticed these unauthorized charges and since then, I have contacted your customer service department and have spoken with various representatives. However, despite my efforts, the fraudulent charges have not been removed from my account. 

I have attached copies of the following documents to support my complaint : Copies of my statements highlighting the fraudulent charges. 
Any correspondence I have had with your customer service department, including reference numbers or case IDs. 
Any other relevant documentation, such as police reports or dispute forms, if applicable. 
I understand that resolving cases of fraud can be a complex process, but I request that you take immediate action to investigate and rectify these unauthorized charges. I insist on a prompt and thorough investigation into this matter, and I expect the fraudulent items to be removed from my account as soon as possible. 

Additionally, I kindly request that you provide me with a written confirmation of the resolution and the actions taken to address this issue. Please assist me to remove the following fraudulent items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Product: Debt collection

Went to county court on Thursday XX/XX/2019 and satisfied the debt owed to XXXX. through attorney 's representing XXXX ( XXXX , XXXX XXXX XXXX, XXXX ) located in XXXX, CO. according to court documentation XXXX owes me {$350.00} in overpayments plus interest, which was taken from check dated XX/XX/2019. I have yet to receive. Attorneys claim not having my current address, which is, my current address : XXXX XXXX, XXXX XXXX XXXX, XXXX, CO XXXX.
Product: Mortgage

I had paid RE taxes from my account on XX/XX/year>. 
On XXXX, I reached out to Shellpoint Mortgage to let them know about it so they don't pay taxes from the escrow account. Shellpoint told me that they will ( a ) open up a research and ( b ) run an escrow analysis. Based on the analysis, if there is an overage I will get a refund. All this will take 5-7 business days and if I opt in I will be informed on my cell phone, which I did. I heard back nothing. 

On XX/XX/year>, I called again and agent told me research was concluded but escrow analysis has not been done. I was told this will take 7 days and I will be informed once the analysis was concluded. I checked online that new analysis was done on XX/XX/year>. Upon my review they made a mistake in the analysis. The analysis shows that they made tax payment from escrow account and post analysis conclusion was increase in my mortgage amount from {$1600.00} to {$1600.00}. Diff of {$30.00} On XX/XX/year> - I called again and asked to be routed to a supervisor. I spoke with XXXX XXXX After her review she agreed that research shows that I paid the taxes. She agreed Shellpoint made a mistake in escrow analysis and she will work on fixing it. She told me this will be fixed in a day and she will call me once its fixed. She also told me that for the refund she will call me and get my deposit account details so I can get the funds immediately. None of that happended. 

On XX/XX/year> - I called to check on the status and I was informed that they are running the escrow analysis and it will be mid XXXX to finish it. I was also tols that there was no mistake in the previous analysis as they will disburse tax payment from the escrow account. 

In short, all the agents I have talked to seem to be lying and have no knowledge about the process. 

I had a similar situation with XXXX XXXX  and XXXX XXXX XXXX. in both cases I was able to get a refund with 10 days. 

Can you please help look into the matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no affiliation with these creditors and I did not make this inquiry.
Product: Credit reporting or other personal consumer reports

Heres a revised version of your message with a more formal and structured tone : To Whom It May Concern, I am writing to express my concerns about the fluctuations in my credit score despite maintaining a consistent credit history. Recently, I observed that my credit score decreased by XXXX points, even after I paid off my XXXX XXXX card, which had a balance of over {$1700.00}. This payment was made in full, yet there has been no positive reflection of this effort in my credit score. 

Additionally, I conducted a single credit inquiry, and this action caused my score to drop significantly. It seems inconsistent and unfair that my hard work to keep my credit in good standing with all my creditors is not being accurately reflected. These fluctuations negatively impact how creditors, including loan officers, perceive my creditworthiness. 

I would like clarification on how such scoring practices are legal and why my efforts to improve my financial standing do not result in appropriate updates to my credit score. Please provide detailed information on how these changes occur and the steps I can take to ensure my credit score accurately reflects my credit behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

One Main Financial for the second time has promised to not run my credit report for a loan that I applied for. It says clearly on the your credit report will not be affected. Now it shows a hard inquiry on my report and I would like it taken off immediately. This is the second time this has happened and I would like credit for both times. This is complete fraud and I have a snapshot to prove what I've stated. Please contact me asap.
Product: Debt collection

On XX/XX/XXXX, at XXXX, I received a phone call from First Federal Credit Control , a XXXX XXXX , for a medical debt owed in the amount of {$540.00} from an unpaid bill in XX/XX/XXXX-XX/XX/XXXX. I requested a settlement of the matter. XXXX XXXX refused and yelled at me that I needed to pay it in full or she did n't care if it stayed on my credit report. She continued to be aggressive in her tone and inappropriately threatened that she will not remove this debt off of my report until I paid it. I calmly explained, XXXX I am trying to settle this with you and I am not refusing to pay, but I would like to settle it. She continued to yell " your only option is to pay it in full or make payments and I do not care if this stays on your credit report, pshh '' She continued to huff and puff at me while I was very calm with her. She yelled " ya know what XXXX, you are not going to settle this obviously '' and she hung up on me. I called her back at XXXX XXXX and XXXX XXXX answered the call. I said, " XXXX, this is XXXX and I do n't understand why you hung up on me '' she yelled XXXX, I am the supervisor here and nobody is going to tell you any different, now do not call back!! '' At that point, I took the initiative and contact the original creditor and explained to XXXX XXXX XXXX XXXX that I want to pay the debt, but the credit agency refuses. XXXX, with XXXX XXXX accepted my {$300.00} payment towards the balance and stated she would report the behavior of the agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 I sent letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Student loan

According to Navient, servicer of my U.S. Department of Education student loan, " You can instruct us to allocate payments differently. Clearly write your instructions on a separate piece of paper included with your check. '' I typed and included with my payment a concise letter instructing Navient to first apply a recent payment to XXXX of XXXX particular loans in order to pay it off and then apply any remaining funds from the payment as normal. Instead, Navient split the entire payment as they normally would amongst the XXXX separate loans. They cited " automated system reasons '' for the error when called. I cite they are lying in their own important disclosures that come with each loan statement. The payment has been reapplied at inconvenience to myself with added worry and confusion of what my student loan statement might look like next month.
Product: Debt collection

After my car was repossessed by Triust, I had called explaining the reason for delay in payment was because my previous employer persistently delayed the start date despite the contract saying I would start XX/XX/XXXX of last year. In addition, it has prevented me from trying to get a replacement vehicle and ruined my financial and personal reputations with my landlord.
Product: Mortgage

on XXXX XXXX at XXXX oclock i called ocwen because i received a letter saying to pay XXXX.I was told by Relationship manager XXXX XXXX that XXXX XXXX i was accessed a fee of XXXX dollars for a bankruptcy expense in XX/XX/XXXX and that i owed a total of XXXX cents and if i dont pay i will lose my house.she was rude and very loud and did not want to give me a reason why and said she would give send me a breakdown by mail and said i need to pay i think XXXX now.Never received a breakdown.I got off the phone and called again and got a different relationship manager named XXXX XXXX and she told me that i owed XXXX to a property valuation expense and for me to pay XXXX looked on my mortgage transcripts and ocwen XXXX did XXXX in 7 years and it was for XXXX dollars.I was told that this had nothing to do with my payment and to pay XXXX $ and it will be added to your mortgage.Icalled the Ocwen ombudsman XXXX XXXX and was told that this property valuation expense can be done twice a year and i was in default.He told me my payment was in default and it was not 30 days.they did it in 27 days.All this is happening and i dont have nothing in writing.Ireceive a call from supposedly appointed Relationship manager and asked me did i have any questions.i told him the same thing i am telling you and yes i owe XXXX dollars then said did i have anything else and said goodbye.Received a monthly statement for may bill today XXXX XXXX saying i owe XXXX $ saying it is due XXXX/XXXX/XXXX and it came by regular mail but on the activity statement it says certified at {$2.00} and a property inspection fee of $ XXXX.ICall again and get amirsh XXXX Relationship manager and he tells me do i want to pay XXXX now and doesnt give me any options to pay except that it is not apart of your regular payment and i should still XXXX a month but on the statement it says XXXX and that wont change.i still owe XXXX dollars late fees.I am on a fixed income.
Product: Checking or savings account

I initiated a request to close my XXXX account on XX/XX/XXXX. Upon reviewing my statement on XX/XX/XXXX, I noticed that neither the referral bonus nor the XXXX bonus had been applied to my account. My statement only reflected the standard XXXX  % APY interest rate ( not XXXX % APY account for all the bonuses ). I promptly reported this issue through online chat support. The agent confirmed that both bonuses were active and initiated an interest paid review. Despite multiple follow-ups, I have been consistently informed that the request is still under review and will complete by XX/XX/XXXX. I find it concerning that a financial institution of XXXX ' standing would overlook accurate interest payments to customers. Furthermore, I believe I should be compensated for any interest accrued during this extended review period, as my funds remain in the bank 's possession. 

On XX/XX/XXXX, received the call but nobody is talking over the call. Called back in the afternoon, said need to reopen the account in order to receive back the interest. Agreed to to so but still not getting anything XX/XX/XXXX. Also asked to open a new account to get credit for a {$25.00} dollar goodwill credit. 

Called again today ( XX/XX/XXXX ), the agent now saying it is still under review. Shouldn't this already get reviewed by XX/XX/XXXX? XXXX is having a millions of reason not paying back people interest. It has been almost half a month and should be paid at the end of XXXX when I closed my account.
Product: Debt collection

Receive multiple text messages from a fraudulent debt collected called XXXX. I do know have any debts owed that I am unaware of. Below is the exact XXXX message script Ive revised from multiple numbers including XXXX. 

A message from XXXX, a debt collector. Self service online at https : XXXX Phone XXXX. Reply HELP for info or STOP to end. 

Helping STOP or HELP only leads to suspicious links.
Product: Credit reporting, credit repair services, or other personal consumer reports

Anytime I apply for credit. It comes back denied because excessive delinquent payments. Since my bankruptcy discharged Ive only had XXXX account that was delinquent for XXXX day late payment. 
Should not be any other issues.
Product: Credit reporting or other personal consumer reports

I called transunion, Experian & Equifax today XXXX at XXXX XXXX. I spoke to a representative well she barely let me speak. I told her I disputed this account multiple times ( credit acceptance ) and nothing is being done. She kept saying the same thing over and over have to wait until XXXX, so the creditor can respond. The creditor keeps sending incorrect information because the account is closed is paid in full and they keep reporting it open and late. Ive provided more than enough evidence that shows its been paid off. This been so frustrating, the next step will probably be legal action since they are NOT going by the credit regulations. They can not send to me what investigation theyve conducted, their findings. They are completely relying on the Creditor which is reporting incorrect information. I want this removed completely from my account. The representative also refused to transfer me to a supervisor
Product: Checking or savings account

my citibank debit bank card ( linked to my checking account at that bank ) was stolen while i was on vacation in XXXX, when i realized my card was missing i went online to check my account, there was {$4800.00} in unauthorized charges debited from my account, the charges were as follows ... at XXXX, 1 transaction the amount of 4,000.00. 2 atm withdrawals 1 for {$300.00} the other for {$280.00} and one more transaction for {$200.00} done at some place called cgn. i immediately called my bank to report the unauthorized charges. next i went to the police station and filed a police report for the stolen card and unauthorized charges. the charges all took place in XXXX XXXX california, but my card was stolen while i was in XXXX which is only 30 miles from the XXXX XXXX XXXX border. the bank because the transactions took place in the united states the XXXX police could only include the actual theft of the card in the report because the card was stolen while i was in XXXX. citibank denied my claim stating their reaso as being that the charges were consistent with my normal banking habits. not true as i had just recently opened the account where i deposited {$5000.00} cash, and paid a phone bill via online billpay. there were no other transactions done by me with this account. in citibanks denial letter they state that they dont use video from atm machines or other places to conduct their investigations. thats like a homicide detective saying they dont use DNA while investigating homicides!. so i appealed that decision. only to be denied again. their reason was the same as before. they also froze my account right after i appealed the first decision.
Product: Debt collection

Many calls just XXXX after my payment was due. I erased those calls and my phone bill isn't in yet so i cant tell you those times. I swear its 12x a day!! They start at XXXX and call every hour if not XXXX minutes. When I learned that this was harassing and illegal and after I had already made arrangements for repayment and told that person by email to also stop the calling. They stopped for rest of day but started again. I just got another call and this time they are quiet not saying a word. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ... this one they stayed silent after I said hello.
Product: Credit reporting, credit repair services, 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

About my Bankruptcy how did they receive my information because bankruptcy do not give that information to the credit bureau
Product: Bank account or service

I got a flyer form Popular Community Bank of XXXX, XXXX XXXX saying if I open a savings account and deposit {$1000.00} I will get {$100.00} bunus if I keep the account open for XXXX month. ( I have the flyer ) I opened an account with Popular Community Bank ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX on XXXX XXXX, 2014 as required in the flyer. I deposited a total of {$1100.00} in form of XXXX deposits XXXX for {$1000.00} and another for {$100.00} at the same time. I have the deposit receipts. After XXXX months they failed to credit my account for {$100.00} bonus. I visited the branch of XXXX since they have taken over all branches from Popular, they refused to honor the bonus. I called Popular and they said to contact XXXX. I am being stonewalled by both the banks. I am filing this complaint to see if they have done the same thing to other people. I am more interested in seeing that this kind of unethical behavior is exposed and corrected. XXXXEmail : XXXXXXXXXXXX
Product: Checking or savings account

I am a joint account holder with my XXXX  year mother on a checking and savings account at PNC Bank and when I tried to access funds using an ATM, the kiosk stated that the request for withdrawl exceeded my limit. I also need to pay for my mother 's assisted living and rehabilitation care and the accounts are frozen