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

This complaint is really about an internet online company called XXXXThis company actually takes advantage of the credit card and the consumer of that credit card.On XX/XX/2022 I placed an online purchase with XXXX in the amount of XXXX dollars, the company took the money from the credit card.On XX/XX/2022 I received an email from XXXX that the account with the order number XXXX has been posted as being paid/success.Ten days later I attempted to get a tracking number and an email confirmation of sale, along with an possible delivery date.This webpage had the TRUSTWORTHY EMBLEM ON THE CHECKOUT PAGE green in color upon giving the credit card information.This made myself think this was a credible and honest webpage site to do business.Informed my bank credit card company and I started a dispute.The bank advised that an investigation of the transaction and XXXX would be started, and that I would be reimbursed upon finding.The credit card bank stated that the XXXX dollars went to another source called XXXXI contacted the company via email XXXX  and they stated no record of transaction with myself XXXX no order number XXXX was on record.I have to this day beingXXXX to get in contact with this company.It appears if this company XXXX has gone to a ghost upon receiving online internet credit card money.I ordered a pair of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXThis company XXXX is all over the internet scamming, stealing, misleading and getting away with this.The company will probaly change the site picture on the internet for online purchases and go to another name source.This XXXX fraudulent internet practice needs to be held accountable for its practice of unfair business practices, the company is now all over the internet when buying this line of sneaker.This is much bigger than the XXXX dollars it took from my credit card.This is an overt cyber attack on the credit monetary system in america.Something of this nature commands the attention of elected officials before the wolf is in the oval office.Online scamming is a multi billion dollar business coming out of america.I would like to have my shoes, however we need brand new legislation to kill these online internet companies that are attacking the populus of the american folk.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ; Account # XXXX has violated my rights as a consumer. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that as a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incident happened from first time, 26 years ago when Equifax credit report agency start reporting false information on my account. Late payments on credit report are illegal. All consumer reports agencies, including Equifax, Are in violation of 15 u.s.c section 1692e for false or misleading representation and 15 u.s.c. section 1611 criminal Liability for willfully and knowingly violation on my credit report. 15 U.S. Code 1681a ( 2 ) ( i ). Exclusion : report containing information solely as to transaction or experiences between the " consumer '' and the " person '' making the report. Meaning everytime Equifax report a late or negative payment on consumer is a violation of {$1000.00} under 15 u.s.c section 1681n.
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 violation.
Product: Money transfer, virtual currency, or money service

I am filling 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 in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX, ga XXXX XXXX XXXX Dear XXXX, XXXX, Experian : This is a Self-Attestation that I am a victim of XXXX.. The information listed below, which appears on my credit report, is the result of that trafficking. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX on XXXX XXXX, XXXX under the account number ( XXXX  XXXX ). An personal loan opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXXXXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX Account Name : XXXXDOFED Account Number : XXXX
Product: Payday loan, title loan, or personal loan

I applied for this loan under the impression that it would have reasonable terms but have found that they illegally gave me too much by kansas law and the term date was too long for a payday loan, over a year. And even if it was not a payday loan they are charging too much interest ( 300 % apr ). 
On their website it makes it so hard to specify what type of loan it is and when i call they dont give straight answers and are unprofessional/disrespectful.
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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I've consistently made timely payments on this account and never allowed them to be overdue. I don't understand why there are reports of late payment remarks on my account. According to 15 USC 1666b, billing errors should be corrected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is illegally trying to collect on a debt that is not mine. To no avail, I have requested the following information by mail to verify accuracy of the debt : 1. The Name and contact information of the original Creditor. 2. The amount of the debt you say I owe. 3. What the amount of debt you say I owe is specifically for. 4. Explain and show me how you calculated the debt you say I owe. 5. Copies of any documents that shows I agreed to pay the debt you say I owe. 6. Documentation showing that I am legally obligated to pay the debt you say I owe. 7. A verification or copy of any judgement ; if applicable. 8. Proof that you are licensed and authorized to collect the debt you say I owe. 9. Provide me with your license number and Registered Agent. I have neither been notified of a debt nor have I authorized through written instructions any such account to be placed on my credit report. Furthermore, no verification of its accuracy has been provided to me. As a XXXX % XXXXXXXX XXXX  classified as " XXXX XXXX XXXX  '' I receive medical care exclusively through military installations, XXXX XXXX, and the Veteran Affairs. I have never incurred or authorized any medical debt. According to XXXX XXXX XXXX, " XXXX XXXX XXXXXXXX '' lacks any State Licenses/Registrations in the state of Florida, where I reside, to collect on a debt. This contravenes the FCCPA ( Florida Consumer Collection Practices Act ), which mandates all debt collectors, regardless of location, to be licensed and/or registered in Florida.
Product: Vehicle loan or lease

I had lost my job in XXXX XXXX. I was on unemployment until my claim ended in XXXX XXXX. I was behind 2 car payments due to lack of income. I borrowed money from a relative to make a payment in XXXX XXXX and XXXX. I started working as a XXXX XXXX the end of XXXX. I explained to Ally I only work 30 hours per week and make less money than my previous job. I tried to explain to them that I do n't get for holidays or missing work. I was scheduled for a XXXX XXXX in XXXX causing me to miss a day. The beginning of XXXX I offered to pay $ 100+ a week until I was caught up. I would receive additional hours in XXXX, allowing me to pay more. One representative I spoke to told me that was ok. Then a few days later I received a call from collections representative named XXXX. She was insisting I pay 2 payments this month or my account will go into further collections. I advised her to see all of my previous notes stating my reason for delinquency and I was not able to borrow money from any more friends or family. She found my plan of sending $ 100+ a  week unacceptable. I advised it was temporary until we started getting more hours the next month. I spoke to XXXX again just last week and she wanted me to have a payment in by XXXX and another in 2 weeks. I told her I can try, but I ca n't guarantee it because I do n't always get paid on the same day ever week. I also received a nasty letter saying if I am late again, they 'll exercise their rights without informing me. 

I feel Ally is being borderline harrassing with their calls to me and my father who 's listed on the loan for credit purposes. I believe I am trying to make a fair attempt in paying my car loan. Ally seems to think they are the only bill I have to pay. I have fallen behind in all of my accounts in order to keep my vehicle. I would like them to have a bit more compassion with my issue. I understand I need to pay my loan and I am trying to do so to the best of my ability. Please assist me further with this matter. Thank you for you time and consideration.
Product: Consumer Loan

I opted to use PayPal 's BillMeLater XXXX XXXX months interest free XXXX to purchase a refrigerator. PayPal subsequently provided a bill showing no payment due. However, on the XXXX bill showing a payment due, they had already rolled the entire XXXX months of interest into the balance due. Immediately upon receipt of the bill showing a payment, I contacted them to clarify that I could pay the balance in full without interest charges. They said I was a few days outside of that window. I asked to speak to a supervisor who told me that he understood my confusion and XXXX. ) asked me to pay the original balance and XXXX. ) asked me to fax a letter requesting the interest charges be removed. I made the payment with him and have faxed the letter XXXX now and although I get an acknowledgment email saying that I should see any adjustment within XXXX days, the interest remains on the account.
Product: Checking or savings account

I received a deposit for a XXXX XXXX loan the funds are being held until I produce documents for a different type of loan that I do not have I talk to my lender and they stated they should not be holding my funds I provided documents related to the loan I have on XX/XX/2020
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I am filing this compliant this because Equifax has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts, Being that they have gone past the 30 day mark and can not verify these accounts. under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

The total balance of the loan was {$870.00} Loan ID : XXXX XXXX XXXX XXXX  has inaccurate information reporting and was never given permission to report any information. The account is stating that I was 30-59 Days Late : XX/XX/XXXX, XX/XX/XXXX, XXXX Days Late : XX/XX/XXXXXXXX 


The accounting balance Histories provided to experian by Affirm via XXXXXXXX XXXX  is inaccurate from whats provided within my payment history on the account. There are several extra payments via my portal and these payments should have been allocated as regualr monthly payments. 

This account was last disputed on XX/XX/XXXX to XXXX. Previously Affirm was contacted via phone in XX/XX/XXXX regarding the inaccurate informatin. 

The loan verfication document never mentions late payment history.
Product: Mortgage

This is my second CFPB complaint for this same issue and after multiple complaints with the bank. For the second month in a row, after they had advised you all and me that the issue was resolved and I could pay money towards my principal, this has not been the case. My last two principal payments were applied against future interest payments. This then causes me to be on the phone with the bank for a long amount of time trying to get the payment reversed back to principal. Last month I lost money as they did not backdate the payment date so they kept some of the interest they charged me. This month, the representative advised that they would backdate the payment so I would receive the full benefit of my payment.
Product: Money transfer, virtual currency, or money service

Ally bank failed to deliver payment on a wire which was scheduled on XX/XX/XXXX to be paid on XX/XX/XXXX. 
Evidence attached showing the date of request using their website, and authenticating using their methods. Upon completion I received email confirmation of the request and it was 100 % accurate. The confirmation stated the wire would be sent by XX/XX/XXXX at XXXX. 

Ally did not send the wire xfer until XX/XX/XXXX Recipient : XXXX Amount : $ XXXX, XXXX Request Date : XX/XX/XXXX Request # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XXXX XXXX XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

My XXXX  and equifax credit report show that they are using a 3rd party XXXX  XXXX to verify a bankruptcy on my credit report. This is a violation of the fair Credit report act. There are errors in this report. I have contacted the courts ( letter attached ). They have not verified any of this information with XXXX or Equifax. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies.
Product: Credit reporting

The below complaint/request was attempted to be sent to Experian through website and was rejected. It is impossible to get an Experian human being on line. Ihave tried twice without success. On the second occasion I used two prompts suggested by a CFPB telephone representative. A second rep indicated that this failure could be the subject of a complaint. Here is that comlaint. 
1.In a letter dated XXXX/XXXX/15 from XXXX Bank XXXX it was stated that a credit card for XXXX was denied based upon information provided by Experian. The fact is that I did not apply for the card. I have been the victim of Identity Fraud. According to both XXXX and XXXX you have been alerted to my situation and are monitoring my credit. In the letter it is stated that you wrote that your records have me listed as having " Deceased ''. Do your records reflect that I am deceased? Did you provide XXXX Bank a statement in connection with the XXXX application or to anyone else a statement that I am deceased? Do your records reflect that I am deceased? 
I ask for answers to these questions. 
I ask for a copy of my credit report on your files. 
Are you aware that you are to have a Fraud Alert on my file? 
Of the XXXX main credit services notified at the request of XXXX you stand alone in not advising me that you have undertaken that assignment. Why is that? 
Why is it impossible to reach a live person in your employ?
Product: Student loan

I can not get them to tell me the correct number of payments I've made toward Public Service Loan Forgiveness. I have two " loan sequences '' that should reflect an equal number of payments, but one sequence is one payment off from the other. A couple years ago they were 7 payments off from each other, and their " review '' resulted in that narrowing to a one payment discrepancy. At that time I had tried to get them to resolve it for over a year and they failed to do so. I filed a XXXX   XXXX  XXXX  complaint and they finally addressed it but instead of a 7 payment discrepancy, there was one. I have been trying to get them to correct this one payment  discrepancy since XX/XX/XXXX, so 13 months now. These are notes of my attempts to get an answer, including employee name and number : XX/XX/XXXX : XXXX XXXX, She said she will send back to processing for review and it will take 3-6 months. XX/XX/XXXX : XXXX - XXXX - no turn around time, up to one year to complete review, no guarantee about timeframe ; are backed up. XX/XX/XXXX : received letter that showed 86   qualifying payments on one sequence ( other sequence from last count said 85, so problem still not resolved ) XX/XX/XXXX : I called and spoke with XXXX XXXX - said something about overpaying by penny throwing off the count. He said he would have someone review it and get back to me through another letter. XX/XX/XXXX : XXXX XXXX - Matter is under review for an indefinite period of time and I will be getting " a detailed letter and phone call '' with the results of this new review. XX/XX/XXXX, XXXX - XXXX XXXX XXXX : One payment discrepancy still under review. Continue to submit employment certifications. XX/XX/XXXX, XXXX : I emailed asking them to provide an update on my request to have my number of payments discrepancy sorted out so I know how many qualifying payments I have made. XX/XX/XXXX, XXXX : I received a reply email stating, " We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' As of XX/XX/XXXX monthly billing statement, the discrepancy lingers, showing 98 qualifying payments on one sequence and 97 on the other ( see attached statement ). A couple days ago I filed another XXXX complaint, and today received a response from the XXXX that they can not assist, and directed me to the CFPB.