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

Within the last 30 days, XXXX XXXXSynchrony Bank reduced my credit limit from $ XXXX to $ XXXX without any outreach or notification. My account balance has been XXXX for the last couple of years but caring for three mature pets it is reassuring to have a higher rather than lower credit limit in case we need veterinary services. 
Additionally, I have not failed to make a timely payment and continue to increase my salary.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer services and unfair practices which violate The Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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.These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these financial violations.
Product: Mortgage

Additional complaint against Bank of America Loan went into forebeafance and then deferment due to covid-19. 

Bank of America called and mailed correspondence specifically stating that payment would resume at same amount post deferment and interest & Escrow would remain in a separate interest free account until Loan is satisfied or home is sold. 

This was reiterated verbally as recently as XX/XX/2020 and prior to that in mail and over the phone. 

Then in XXXX monthly payment was increased {$26.00} a month to re-pay escrow deferment and I was told foreclose and loan delinquencies would occur if extra {$26.00} was not paid for remainder of loan!
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute of Inaccurate Late Payment Reporting for XXXX  XXXX Account Dear CFPB, I am writing to formally dispute an error in the reporting of my XXXX  XXXX account ( # XXXX ) on my credit report. Specifically, your records indicate a 30-day late payment for XX/XX/year>, which is inaccurate. I have reviewed my payment history, and my records confirm that all payments for this account were made on time, including the payment in question. 
Reason for Dispute : The reported late payment is inconsistent with my financial records, which show that I made my payment for XX/XX/year> well within the due date. This error is damaging to my creditworthiness and must be corrected immediately. 
Supporting Documentation : To aid your investigation, I have included : A highlighted copy of my credit report identifying the disputed entry. 
A copy of my government-issued ID for identity verification. 
A copy of my Social Security number card to ensure accurate identification. 
Legal Framework and Request for Action : Under the Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i ( a ) ( 1 ) ( A ) : You are required to investigate disputes and ensure all information reported is accurate.

15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : You are required to provide a detailed description of the procedures used during your investigation.

15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) : A consumer report must not contain information that is inaccurate or unverifiable.

I hereby request the following : Correction of the inaccurate late payment. Update the account to reflect the correct status of " Paid As Agreed Never Late. '' A detailed explanation of your investigation process, including how the reported late payment was verified.

Documented evidence supporting the claim of a late payment, including the date, amount, and any related communication.

In the absence of verifiable proof of a late payment, I demand that you promptly update this account to reflect its accurate payment history. Failure to address this issue within the 30-day timeframe mandated by the FCRA will result in further action, including escalation to the Consumer Financial Protection Bureau ( CFPB ). 
Summary of My Expectation : Account Status : Paid As Agreed Never Late Updated Payment History : Accurate reflection of my on-time payment history Investigation Report : Explanation of procedures followed and evidence reviewed Thank you for your immediate attention to this matter. I look forward to your response and resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is the debt that is in collections that won't get off my score. also my XXXX XXXX XXXX says a score of XXXX and XXXX XXXX and show fluctuations but my XXXX score hasn't changed at all?? So assuming I needed to contact you guys for help with those 2 problems
Product: Credit reporting or other personal consumer reports

Im filing a complaint because TransUnion has reinserted a previously deleted account on my credit report without properly notifying me, which is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). The account in question is XXXX XXXX Account # XXXX, which was deleted but has now suddenly reappeared. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if a deleted account is reinserted, the credit bureau must notify me in writing within five business days. TransUnion completely failed to do this. Additionally, this reinsertion violates 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy. Reinserting a previously disputed and removed account without proper verification is reckless and unacceptable. I am extremely frustrated because I went through the dispute process and had this account removed, and now, without warning, it's back, damaging my credit again. This should never have happened. I demand that TransUnion immediately delete this account, provide an explanation for this violation, and ensure it will not be reinserted again. If they fail to do so, I will escalate this matter further.
Product: Debt collection

Conns applince company calls my phone up to 10 times a day or more. I have spoken to them and explianed my employment status do to being let go of my job. Explained that I will make a payment as soon as I can but they still call me at times up to 3 times in less then a minute. I am late on my bill no more then 5 days but they call me like crazy. I understand XXXX or XXXX calls a day but XXXX or more calls a day is way to much.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I am the owner of XXXX and XXXX XXXX XXXX in XXXX, WA. As part of our provided services, we offer massage treatments with CBD oils and pain creams. We follow all state laws and regulations with these services ( i.e. 0 % THC ). I have used Square as our payment processor since opening the business in XXXX, XXXX. Square recently introduced a program, which approves business owners to sell CBD products through them as the credit card processer. Because we offer treatments with CBD and also sell a CBD skincare line in our boutique, I applied for this program. This would allow us to also sell our products through our website ( online store ). I completed the application in early XXXX, XXXX. Since applying for this program, they have asked me for additional information several times. I have provided all the information requested every time. They continue to email me requesting more info. I have called, emailed, and chatted with their customer service agents more than 10 times. Each time, they say they will send my issue to other customer service agents who can help me. I have received NOTHING in response to my issues. 

Meanwhile, they have suspended all my funds processed by square for the past six weeks ( more at this point ). I have almost {$3000.00} suspended, which is really hurting my business and being able to pay for my business expenses ( including employee wages ). I have nothing more to give them. 

I have requested to exit the CBD program over and over, and they continue to email me saying that I can not exit the program until I provide more information. They also have a check box that you must agree to not sell CBD products through any other credit card processor if the application is not approved. I have never been approved for the program, and they also won't let me exit the program. They are also dictating what my business can sell even if I don't use them as a processor. They are threatening to deactivate my account and keep all of my funds if I continue to sell CBD products. This is ridiculous! I would think I can sell whatever I want as long as it complies with laws in my state. I will use another processor if Square will not allow me. But they are saying that they will completely deactivate my account ( losing all of my data and over $ 17K in gift card purchases over the past 18 months that still must be redeemed!!! ). This will bankrupt me. 

This is not right. This is hurting me and my business. It's taking time from my family and work life. I have spent hours dealing with this issue and no one is helping me. No one responds. They refuse to provide any contact info for the supposed customer service agents that they keep transferring me to. I need help.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and was alarmed to find an inquiry from your company that I never authorized. This unauthorized inquiry is negatively impacting my credit score and causing me unnecessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 unauthorized inquiries in my credit report. 
1- Island Finance LLC XXXX hard inquiry someone applies for a loan over the phone XXXX XXXX  XXXX hard inquiry someone trying to get a credit card XXXX XXXX someone trying to finance online XXXX XXXX someone trying to apply for a credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife has a credit card at XXXX 's XXXX. While she listed me as an authorized user, I have no financial responsibility to this account. None of my personal information including Social Security number was attached to this account. XXXX 's failed to mail statements for a month, a {$26.00} purchase became a {$110.00} payment with late fees, and upon being informed of this balance, my wife immediately paid the account. XXXX 's reported this as a late payment on my credit report despite the fact that I have no legal obligation under the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXl : Account # XXXX XXXX XXXX  : Account # XXXXXXXXXXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all XXXX credit bureau 's via mail trying to resolve this debilitating issue for the past XXXX XXXX to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of XXXX XXXX XXXX XXXX ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. 

Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

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

I am writing to file this complaint because Equifax & XXXX have failed to respond to my request to remove multiple inquires from my credit file that were not authorized. There are numerous inquiries showing on my credit report that I did not Authorize! I have disputed them over 4 times as well as made numerous phone calls regarding this matter and I get the same response few days later. This further lets me know they have not verified these inquires and continue to send me the same generic response. I have asked for signed consent from myself to any of the companies listed verifying I have giving authority to have my credit pulled which I have yet to receive. I am submitting this complaint with you today in hopes that you can help me! 

I understand that the FCRA states that the only permissible reasons for pulling someones credit is for : Firm offers of credit, Insurance, EmploymenXXXX and court order, none of the listed permissible reason apply to me. As I have NOT authorized anyone written, implied or verbally to pull my credit. I also am aware that Credit Bureaus are not allowed to put an entry on my file unless I have authorized it. I
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding the student loan XXXX   XXXX. After sending dispute letters to Equifax, it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
Product: Credit reporting or other personal consumer reports

They need to change my due date from the XXXX of the month to the last of the month. They are refusing.
Product: Credit reporting or other personal consumer reports

I didn't authorized XXXX XXXX to handle my student loan private information. They didn't provided me with a signed document from me authorized me to handle my account
Product: Mortgage

I have an FHA 203 ( k ) loan for a major home renovation. My original bank sold the servicing of the loan to LoanCare. We have submitted a draw request which was subsequently approved so a check was mailed. Unfortunately the check bounced. It has now been 4 days since I notified the bank and there is still no resolution. My Contractor has written checks to pay the subs that have done work on the house and now those checks are bouncing. Not only does this affect my Contractor, but now he is losing credibility with the subs and impacts their desire to want to continue to work on my project which will delay my project causing me to have to pay more months of mortgage than necessary. Please help.
Product: Student loan

See case XXXX Today it will be 4 months of complaints against Mohela My loan payments should be {$50.00} a month They continue to be unresponsive or truthful with your agency or me Recently they claimed I was in school ( not true ) I am attaching the current bill in excess of {$600.00} a month
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Transunion reported a 20 point decrease in my credit score for MY AUTO LOAN AMOUNT BEING DECREASED?!?
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Progressive Mgmt services called attempting to collect on the debt of XX/XX/2020 that was paid and closed see the previous progressive mgmt systems case you have on file they are attempting to collect the debt again after their org showed me paid in full that was the resolution
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I formally challenged the validity of an alleged bankruptcy listed on my credit report under my Social Security number. I also disputed this account with Transunion and they indicated that the information was " verified '' through XXXX records. I requested that XXXX provide me with all documentation and information used to verify this alleged bankruptcy, including but not limited to the original documents containing my signature and the signature of the XXXX XXXX XXXX XXXX. 
If they could not produce these documents to substantiate the claim, I requested that they immediately remove the bankruptcy entry from my credit report. This inaccurate entry is adversely affecting my credit standing and defaming my character.

Additionally, I express to them there may be violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 ( a ) ( 4 ), which emphasizes the need for accurate credit reporting to ensure fair treatment of consumers, and 15 U.S.C. 1681b ( a ), which outlines the permissible purposes for accessing a consumers credit information. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2, I was entitled to have this fraudulent information removed from my credit report expeditiously. I insisted that they do not use automated verification methods such as e-Oscar to investigate my claim, as these methods are insufficient for verifying the accuracy of such serious allegations. I also included I was maintaining detailed records of all correspondence and actions related to this matter. Including that there failure to respond within my entitled to have this fraudulent information removed from my credit report expeditiously. Under the FCRA, I may seek up to {$1000.00} per violation for defamation and negligent enablement of fraud.