23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX reporting incorrect payment history I would like for this account to be remove from my credit report from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX I will like for to be remove from my credits report inaccurate payment status and inaccurate amount old. XXXX XXXX  to be removed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

A past due collection amount showed up on my credit report for {$290.00} from Radius Global Solutions. I have never heard of this company and have never been contacted about any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am demanding that all innaccurate and unwanted personal information be removed. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXX. Please repair and update ASAP.
Product: Checking or savings account

I notified chime when there was unauthorized activity on my card from XXXX XXXX. I filed the dispute on XX/XX/2023, and was told it would take until XX/XX/2023 to investigate it. I supplied all the needed documents, contacted the merchant and verified that a charge back was done and supplied chime with all screen shots of this. The date to complete the investigation came and went with no final decision. I contacted chime and was told it was being escalated and to keep waiting. The merchant has not refuted my claim and I still haven't gotten my money back. There were XXXX transactions totaling {$450.00}. They gave me a credit of {$150.00} but have not done anything about the other {$300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received inquiry from a Lender call XXXX regarding credit, I was notified by email from a service I use. I contacted Equifax to start a dispute. During the phone conversation, it was made clear that even if the inquiry was incorrect and the XXXX says it was correct that the inquiry would remain on the credit report until the customer can prove that the inquiry was incorrect. These investigation are fraudulent, " receiving a service under false pretenses ''. Credit reporting Agencies use Fraudulent Investigative tactics that automatically find in favor of any Creditor despite evidence to the contrary. When asked about this, the operators are being trained not to answer the question directly, but to divert it to with another topic to sound like they are on your side. This consumer is attempting to clean up their credit for a home purchase, and getting nothing but resistance from All Three XXXX XXXX XXXX with the same goal. " To favor the credit during an investigation ''. I have looked into this, and I am not the only XXXX to experience this type of XXXX. 

XXXX offers you a way to boost your credit in many ways as long as you pay for this service, I was under the impression that the Credit Score is earned, not paid for through XXXX 's membership You no longer have access to XXXX XXXX Because you ended your XXXX benefits, you no longer have the ability to boost your XXXX Score. As a result, weve stopped updating the bill payment info in your self-reported accounts. 

If you'd like to take advantage of this feature again, you can reactivate your account. 

Looking for assistance. 

XXXX XXXX
Product: Bank account or service

On XX/XX/2016 I made a deposit of {$900.00} via ATM. My account was overdrawn for the first time. I have deposited many checks from the same issuer in the past and have never had a hold placed on one until now. I called Wells Fargo and they advised me they could not remove the hold because the funds were not verifiable. I explained to them I have deposited many of these checks in the past and this is the first time they have placed a hold on one. They told me to call the issuer and verify funds are there. I did just that. I called XXXX and sent email ( see attached ) and funds are present to cash the check. I called Wells Fargo back and they said they still ca n't remove the hold from the account. I told them I felt as if they are doing this now because I have a negative balance and they just want to collect more fees from me. I have been with Wells for 20 years and have never had this issue. I sent email to XXXX and advised them the bank was saying the funds are still not verifiable. I then went into a branch office. The supervisor there told me she called XXXX and they banker would not verify funds available. She told me she would waive XXXX in fees. I then asked why they are placing a hold of nine days or more on this one check. She repeated that they could not verifiy funds. I advised the accounting folks at XXXX and again they are advising me the check shows as cashed on their end and cleared the account. Whom am I to believe at this point? The company who stands to gain from my misfortune in overdraft fees or the company who issued the check? I am still getting fees from Wells Fargo and plan to close all six accounts with them. I need to know why they can hold my money after the issuer confirms it has cleared their account? They are only doing this as policy to collect additional charges. A customer service specialist I spoke to stopped just short of agreeing they are doing this to just collect more in fees. See emails and copy of check attached.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no consent neither did I authorize them
Product: Debt collection

Receivables Performance Management ( RPM ) has reported a collection on my credit report erroneously ; the account actually belongs to my son who shares the same name and once lived at the same address as I do. 

RPM was informed of the error on this past Tuesday, XX/XX/2021, when my mortgage lender was alerted of the the derogatory account. ( We were scheduled to close on our new home that Friday, XX/XX/2021. ) I immediately disputed the account and contacted the original creditor ( XXXX ) who confirmed that the delinquent account indeed belongs to my son ; a store manager even added in the account notes that she confirmed our identities by checking our IDs. 

My son and I both then called RPM and informed them of XXXX XXXX verification, but the RPM collector wouldn't accept our word ( understandably ) and said that they couldn't even accept a verification from XXXX over the phone ; it must be in writing and done electronically, which I find to be ridiculous and curious since the collector ( XXXX ) had stated during our phone call on XX/XX/2021 that RPM and XXXX work in tandem. Therefore, it shouldn't have been a problem for him or someone in management to straighten out this mess with XXXX. 

RPM refused to contact XXXX to request the verification or even to confirm they have the wrong social security number attached to the account, even when they had been informed of the absolute urgency to fix this simple error. I made calls back and forth for days on end, trying to remedy this matter before our closing day ; meanwhile, RPM remained steadfast in refusing to contact XXXX and refused to let me speak to someone in Escalations or even one supervisor 's manager, whom XXXX, a " supervisor, '' claimed " does not take phone calls and doesn't have an email address. '' This whole ordeal is not only an inconvenience, but it has been costly!! It's costing me and my family over {$100.00} a day in temporary housing because we can not close on our home due to this ONE error that RPM has made. ( Not to mention, this has tanked my credit score 100 POINTS, which means if our mortgage lender reruns my credit with the collection, our loan will be denied, and we'd lose our deposit AND our house. )
Product: Bank account or service

I opened a savings account with Discover Bank under a promotion they offered promising a {$100.00} bonus after meeting certain requirements. I met the requirements, confirmed with Discover customer service that the requirements were met, and never received the bonus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT NUMBER XXXX I was never late on the paid off account listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account, if not please delete this alleged late payment from my credit report.
Product: Credit card or prepaid card

I recently purchased one nights stay at the XXXX XXXX in XXXX VA. I made the purchase through my XXXX XXXX rewards member portal with my Capital One credit card. The amount that I paid was the rewards member rate which came to {$94.00} night and {$100.00} after taxes and fees. When we checked in I was told to run my card for the original amount of {$100.00} and a separate charge of {$200.00} for incidentals. We were told that checkout was at XXXX, nothing more. The next morning at XXXX the manager is at my door stating that we will be charged for half a days stay because we are in the room past XXXX. My husband tells the manager that im not feeling well and was just finishing up in restroom. We vacate the room at XXXX, after taking a few moments of video of the room to avoid any further fees.We were told at the front the desk that they would be applying a half day charge but never given an amount, or a final receipt of the charges. I had no idea about the policy, so I called XXXX customer service immediately from the parking lot. I was told they would " submit a ticket '', but each location is independently owned and they would have to contact me. I was not contacted.I only became aware of the amount of this " fee '' after it was deducted from my incidental hold. The total came to {$120.00} for the half day fee. My credit card company will not honor my dispute stating that I do not have enough evidence to support a chargeback.This is my first charge dispute after having this card for 5+ years.In response to my chargeback, it was stated that I was charged for a half day stay for a " last minute stay '' for a " fully booked hotel. '' After the charge was reapplied to my credit card, I contacted the XXXX XXXX XXXX. When contacted by the XXXX, there was no response.
Product: Student loan

I am requesting that complaint XXXX be reopened. 

Firstmark lied in their response. They refunded the payment retroactive to XXXX then removed it in XXXX from my account and have consistently lied about when to expect my refund. I am attaching the emails I received from them as well as a screen shot of my account. 

I spoke with them today and they said I will receive a check sometime in XXXX. They refused to issue it with a tracking number. 

As they lied in their response to the CFPB I am requesting an investigation into fraud.
Product: Money transfer, virtual currency, or money service

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

I purchased a a car with written promise to service and repair things on vehicle as agreed. Warranty does not service issues as promised and will not offer help due to hard ship with car breaking down 3 days after it was purchased and days before it was due promised service of car on following Monday after purchase in XXXX Thursday XXXX. Filed complaints with state and still nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has been an address listed for me that I have never lived at. It belongs to my parents who moved there less than a year ago. Prior to that they kept sending mail to their previous address which I did live at years ago. I have been asking AMEX to remove the previous address and now my parents current address for years with no luck. I have filled out their forms, chatted with their agents online, and have called several times. This isnt just a mailing issue though. I am a mortgage loan originator and it showed up during my application process to several states and held things up. This has not drastically impacted me in a negative way, but so long as AMEX continues to inaccurately report an address for me, I am at risk of financial information being mailed to the wrong address as my parents are moving again in XXXX. I am having trouble getting anything done directly with them. Please help.
Product: Bank account or service

According to the Cardholder agreement with Bank of America, I am only obligated to pay the monthly minimum. In this case, my monthly minimal payment due was not the balance thereof, but a nominal fee of approximately {$25.00} to {$50.00}, more or less. 
On XX/XX/XXXX, I paid, albeit by clerical mistake/typo, a payment via mobile banking transfer of from my checking account to my credit card account with Bank of America for $ {$2400.00}. I intended to, at that time, to make a nominal payment of {$24.00}. Therefore, I respectfully asked for the difference from what the Bank has partially refunded me already -- of {$500.00}, to what I originally paid plus fees ( factoring any interest charges ), which would total approximately $ 2k either way. 
Moreover, according to the XX/XX/XXXX law -- -Credit Card Accountability Responsibility and Disclosure Act, the Bank acted contrary to this Law by changing the terms and conditions and/or my credit card account info via slashing my credit line by 80 % from $ XXXX to {$500.00} without providing appropriate advanced notice ; considering this lack of due diligence and lack of transparency I respectfully ask for the CFPB to secure me the funds for $ XXXX at this time and/or restore my credit line back to $ XXXX with Bank of America XXXX The Bank refuses to issue me a complete refund because my total credit line is only {$500.00} and it would be over my credit line ; moreover, they 've refused to raise my credit line back to the original amount. 

Thanks for your help and consideration! 
XXXX XXXX
Product: Debt collection

I had a baby on XX/XX/year> at XXXX XXXX XXXX without insurance and called the company responsible ( In XXXX, of XXXX ) for billing. I was charged an inordinate amount for the birth and follow up care. I have XXXX separate bills totaling $ XXXX after discounts. I could not get a hold of someone from the hospital collection agency who could change my bill if needed. They actually dont have phone numbers. The person I talked with ( XXXX ) found many errors in my bill and told me she would call me back and get them addressed. She has not in the last XXXX months and no one has attempted to contact me except for billing. There are thousands of dollars in discrepancy in XXXX bill ( my sons ) and discrepancies in my personal bills from the same hospital for the same event.
Product: Checking or savings account

I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ XXXX XXXX in New York. I advised them I 've never had an account with XXXX and filed a complaint with XXXX directly today XXXX XXXX, 2017. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
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. 

XXXX XXXX XXXX  # XXXX has violated My rights XXXX XXXX XXXXXXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXX has violated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated My XXXX XXXX XXXX XXXX XXXX has violated My rights XXXX XXXX # XXXX has violated My rights XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Exquifax has violated My rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 usc 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or is reasonable cause to believe that information is inaccurate.
Product: Debt collection

Portfolio Recovery Associates , LLC. is suing me for a debt that they havent verified. The paperwork that was sent to me says that, Portfolio Recovery Associates , LLC. was assigned this account I want proof of this. Proof via 1. A Purchase agreement 2. Forward Flow agreement 3. Assignment purchase agreement.

Portfolio isnt not threatening to sue me.. THEY ARE SUING ME. For an account that they havent verified.
Product: Checking or savings account

On Friday, XX/XX/XXXX a routine scheduled payroll deposit from my job was scheduled to be deposited in my account. This deposit was never made. Capital one claimed that they were faced with a technical issue but that the issue would be resolved by Friday morning. This never happened and capital one has failed to provide any additional information. As of Saturday, XX/XX/XXXX at XXXX CT, there still has been no communication and my deposited funds remain unavailable to me despite my job confirmed it has been sent.
Product: Credit card or prepaid card

I applied and was approved for a Chase Disney Credit Card in XX/XX/2019. Three weeks ago I received a letter from Chase Credit Card Services informing me that my card was cancelled with no reason or explanation as to the cancellations. I carried no balance on the credit card at the time of the letter an promptly paid off all charges when due. My credit score is above 850 and I have numerous cards from other banks and credit card issuing companies. I sent a letter to Chase Credit Card offices in XXXX Ohio asking for a written explanation for the cancellation. Last week, I received a call from Chase offering no real explanation as to why the card was cancelled. When I pressed for an explanation, the agent abruptly hung up on me. I still have no explanation or reason, but this could harm my excellent credit rating. Credit card companies should be forced to tell you why your card was cancelled and not be so evasive and underhanded. I would like the government to look into this matter. Thank you.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX $ through Coinbase Apps.
Product: Mortgage

I know I was behind on my mortgage payments. XXXX XXXX time XXXX tried to contact my place of employment pretending to be XXXX payroll department, trying to get me to return there call. Now i have tried to pay XXXX payments and was blocked on web site from doing so, then called company to pay and they are trying to tell me they won't accept my XXXX payments and then hung up on me. Then every time I called back they kept hanging up on me. Left message with Manager and no return call. They don't want to take payments, then they are not taking my house. I had trouble with them taking payments before and fixing credit as well as correct date paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year ( XXXX ), I discovered that I had been a victim of identity theft. Despite the numerous amount of times that I had been in contact with the bureaus, they would ocasssionally remove the accounts from my report and re-add them back at a later time, which is a violation of the Consumer Fair Credit Reporting Act. Therefore, I considered filing a lawsuit, which I have yet to execute due to the fact that I now have additional evidence and a couple of incidents that were reported to XXXX XXXX Police Dept. and the FBI. 

I would like to get this this information cleared out of my report immediately because it has drasticallly set me back this entire year, which is now coming to an end. 

Thank you and Happy New Year!