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

On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus XXXX and Experian. On XX/XX/2022, XXXX personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). Experian has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX and several social media outlets.
Product: Debt collection

On XXXX of 2015, I moved fromXXXX XXXX, XXXX XXXX ca XXXX to XXXX XXXX, XXXX XXXX, ca XXXX, my cable co now and then was XXXX XXXX, per thier instruction I left the cable 's equipments on the old home and paid my balance in full, few todays ago I tried to refinance my new home for better rate, I notice I had unpaid debt from XXXX that reported to Credit Controll, so I called XXXX and spoke to XXXX XXXX XXXX, after 10 minutes of researched he did locate the equipment at old resident and noted the account and reported to XXXX XXXX but due to error in reporting me to credit bureaus without notifying and now it costing me almost few hundred dollors amount, XXXX and credit Control must emmedaietly remove this costly reporting error to credit bureaus and FCPB make them to pay penatly for destroying my credit report.
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 violates 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 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, credit repair services, or other personal consumer reports

I am writing to bring to your attention several potential violations of the Fair Credit Reporting Act ( FCRA ) and the Texas Finance Code related to my credit card account with Capital One Bank. It has come to my attention that Capital One Bank has reported inaccurate and conflicting information to multiple consumer reporting agencies ( CRAs ), which has had a detrimental impact on my creditworthiness. I kindly request your assistance in addressing these issues and seeking a resolution. 

Firstly, I believe Capital One Bank has violated the Texas Finance Code Section 392.304 by reporting inconsistent information to different CRAs. Specifically, the dates of account opened, credit limits, and dates of last activity reported by Capital One Bank differ among the various CRAs. This inconsistent reporting not only violates Texas law but also misrepresents my credit history and financial behavior, potentially causing harm to my creditworthiness and future financial opportunities. 

Furthermore, it has come to my attention that Capital One Bank has reported a monthly payment of {$0.00} to all consumer reporting agencies. This erroneous reporting not only misrepresents my payment history but may also contribute to a misunderstanding of my financial responsibility and ability to meet credit obligations. This violation of the Fair Credit Reporting Act undermines the accuracy and integrity of my credit report. 

As per Section 17.505 ( a ) of the Texas Business and Commerce Code, I am obligated to provide you with written notice of my specific complaint and the damages incurred before pursuing legal action. Therefore, I hereby provide written notice of these potential violations and the economic damages, damages for mental anguish, and expenses, including attorneys ' fees, reasonably incurred by me in asserting this claim. However, I am open to resolving this matter amicably and would prefer to avoid legal action if possible. 

In accordance with my rights under the FCRA, I request a written inspection of the loan documents and related records pertaining to my credit card account. This includes but is not limited to any agreement, promissory note, billing statements, payment history, and any data or information given to CRAs that are relevant to my claim against Capital One Bank. I kindly ask that you arrange for this inspection within 10 days of receiving this notice. 

I would like to stress the importance of prompt attention to this matter. Should Capital One Bank fail to address and resolve these potential violations within the 60-day notice period, I reserve my right to pursue legal action seeking damages under Section 17.50 of the Texas Business and Commerce Code . I have attached an affidavit in support of my claims for your reference.

I kindly request your immediate intervention and assistance in investigating this matter and ensuring the accuracy and integrity of my credit report. Please keep me informed of your progress and any actions taken to address this issue.
Product: Credit card

I recently went to my local Wells Fargo bank to open a checking account ( I was a previous customer a few years back ) and a credit card with them. They informed me at that time that I already had a credit card with them. This was news to me. Up until this time, I have never desired, requested, applied for, or received a credit card from Wells Fargo. I have never received a credit card statement from Wells Fargo. 
I recently decided I wanted a credit card due to the attractive incentives they were offering, but was told I wasnt eligible as I already had a card. 
I know this is somewhat petty, but it is the principle of the thing, as this was fraudulently opened in my name. 
I think this was probably done back when I opened the old checking account with them about the time they got busted for opening fraudulent accounts.
Product: Debt collection

I want to file a complaint with Synchrony bank for unethical and deceptive practices towards their customers. On XXXX I signed a payment contract at XXXX XXXX for XXXX XXXX dollars a month until the full amount of XXXX was paid off. Ashley furniture stores finance company Synchrony bank took my account. I set up my account for auto payment. On XXXX XXXX the full balance amount of XXXX us dollars was charged to my bank account. I called them and they said it was a glitch in their system. The problem was fixed and I was reassured it would not happen again. On XXXX XXXX the full amount was charged again. I called them and they said they couldn't fix their glitch this time around. Leaving me penniless and over drafted bank accounts. This caused me a lot of financial scrutiny and stress. I did some research on this company Synchrony and they have over 600 complaints about this practice they use for their customers. I believe it is fraudulent and unethical.
Product: Mortgage

Made scheduled payments according to agreement but now Bank saying I missed payments last year. I have Bank statements but the say I need cancelled checks. I tried to explain I have a checkless checking account so there are no cancelled checks. They accepted a  XXXX  payment in  XXXX  and the I sent  XXXX  in  XXXX  that they refused. I have had this problem several times before and always look for a way to come to a settlement in which I end up paying thousands of dollars upfront and large payments following months. Then once I 've satisfied my agreement they come up with something new. I can provide more indepth detail about events over the last few years if needed. I feel the Bank is doing this to me intentionally and I feel it 's based on discrimination and wonder how many other  XXXX  Americans are having/have had the same problem. If I had missed payments the way was the  XXXX  not applied to that rather than to the current month s (   XXXX ,  XXXX , &  XXXX   ). I  forgot to mention that they refused payments back i n (   XXXX ,  XXXX , &  XXXX  ) of    2016. Th ey refuse all these payments and then require me to pay them all in a lump sum upfront payment. I 'm not a wealthy person and a single parent who basically lives paycheck to paycheck. I need to know if I ha ve a legal avenue to file a  class action suit or what can I do to stop this type of recurrent action. Why did they accept my  XXXX  payment in  XXXX  and then move to foreclose on my home? Why did n't they say something then?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX XXXX, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. The following accounts needs to be corrected immediately : XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed : {$7400.00}.
Product: Prepaid card

I received an American Express Gift Card as a gift. The amount is {$500.00}. I am able to login to the card 's website and check the balance. I am unable to use the card anywhere! I have tried online stores, and brick and mortar stores, and NO ONE will accept it. The card does not allow you to register an address, and hence when the transaction is placed, the merchant 's system is unable to verify the card against an address. 


I called their customer support and asked for a list of merchants that accept the card. They said they don't have a list, and they are unable to help any further. On the back of the card it states, " Use at U.S. merchants that accept American Express Cards. '' This is clearly untrue because all the locations mentioned here accepted American Express credit cards. 

This is a HUGE problem. This product should not be sold to anyone. In an age of credit card chips, this type of gift card does not have enough security built in, and no merchant is going to accept it.
Product: Vehicle loan or lease

paid off loan ( saved receipt and screenshots and video of XXXX $ balance in branch ) Called XXXX XXXX to verify and inquire abt reducing late fees and was told the remaining late fees were non-negotiable and had to be paid BUT were treated as " completely separate '' from Principal and Interest and that to avoid collections i should pay at least once before 120 days elapsed and that would " reset the 120 day clock '' each month AND that it would NOT report to CRA 's as well. NOW after seeing that the system/they ADDED XXXX XXXXXXXX XXXX $ to my previously XXXX account/loan i called to complain and they said the system puts this on to " keep the account open '' so the remainder late fees can be paid- BUT said they don't know if it will then AUTO-REPORT to CRA 's as being {$1.00} and 30days or whatever amount of days 'late ' which would be both illegal and inaccurate. ( As i don't actually owe the underlying 'phantom ' dollar ) Just the late fees, which per their policy don't get reported.
Product: Debt collection

This is for equipment that is obsolete for XXXX that was stolen while in the box put out for XXXX and was so far back it should not even be on the collections anymore not to mention I never entered into any contract with XXXX. XXXX. It was removed from my credit reports but XXXX continues to allow it to stay for some reason.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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  - XX/XX/year> Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several errors in billing. The late payments mentioned are not reflective of my payment history. Please make the necessary corrections and update my account.
Product: Mortgage

Refinanced my mortgage with the same company ( Freedom Mortgage ). When I was closing XX/XX/2020 ; I noticed that the mortgage amount was awfully low. I then discovered that my escrow was incorrect, I mentioned this to the individual who I was closing with. I was told to contact the loan officer and ask for an escrow analysis. I sent the loan officer and email on or about  XX/XX/2020 to inform him about the account. I made several calls to the customer service department to get an escrow analysis. I was told I would have it in a week and it took over 4 weeks with me calling and requesting. I was very displeased with the way things had happened that I requested to speak with the person in charge of customer service. A supervisor had informed me that she sent my request via email to the person in charge of customer service and that she would respond to me. This went on for about 3 weeks  and no reply. I then asked to speak with the president of the company and no reply. 

I submitted a complaint to the local XXXX XXXX XXXX and finally someone contacted me. I had expressed my displeasure with the company and how my account was handle. She listen but when I had asked to speak with someone of authority I was told that the refinance department would contact me. I called her back to inform her that no one has contacted me. 

I find it very disheartening that a customer who has an issue can not speak with someone with authority to inform him/her how things were handled. I originally refinanced to lower my payments not to increase them because of their negligence. I would be more sympathetic if my loan was coming from another financial institution, but being refinanced from the same company, is something else. They had all of my records and knew what my escrow was.
Product: Credit card or prepaid card

i was billed on my visa card for items i never ordered and i did not receive the items, when i called credit card company they refused to take the charges off my account
Product: Credit reporting or other personal consumer reports

On the date of XX/XX/XXXX, complainant submitted a complaint with CFPB regarding inaccurate information on consumers credit report and requested for credit reporting agencies., XXXX XXXX Equifax XXXX and XXXX to open a reinvestigation to discontinue reporting and then delete inaccurate information damaging consumers credit worthiness. 
Following the 30 days reinvestigation neither XXXX, Equifax, XXXX, nor the original debtor could provide me with any documents to verify that i owe any debt connected to the following accounts : XXXX ( formerly XXXX ) Acct # XXXX - Date XXXX XXXX, XXXX and XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX - Date XXXX XXXX, XXXX. Furthermore, there is a myriad of inaccurate and inconsistent account information ( e.g. inaccurate account type, Date opened, Payment status info, No. of months term, Last reported, Date last active, Date of last payment, and reporting of payment history. These accounts are obviously inaccurate and shall be deleted given their derogatory impact and should have never been modified to closed accounts. In addition to these inaccurate accounts complainant also disputes unauthorized and unverified hard inquires ; XXXX ( XXXX ), Equifax ( XXXX ), and XXXX ( XXXX ). Please review all attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled, no longer in collections and I have disputed this with Trans Union. I also have a doc. showing this. account number XXXX... XXXX XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent two dispute letters to Equifax in the months of XXXX and XXXX, but on both occasions, they either told me that they can't complete the investigation process because I either have a security freeze on my credit report or that I'm not detailing what I'm disputing correctly. I feel this is bogus because XXXX  and XXXX  have already deleted the same accounts that I have on my Equifax report.
Product: Student loan

In 2010, my student loans were being transferred to another lender. 
During the transition time, apparently the previous lender reported me late because I was making payments to the new lender and not Ed Financial. 

I have tried to correct this several times on my credit to no success. They keep reporting me as a " paid collection '' and a derogatory status on all XXXX credit bureaus. This information is incorrect. The loan was transferred to XXXX XXXX and has and continues to be paid on time. This is ruining my perfect credit score and is harming me. 
I ask that Ed Financial report this as Paid in Good Standing and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is now close to 6 months and XXXX XXXX XXXX is still incorrectly reporting an account. The account was at a XXXX balance since XXXX. Yet until this past week it was reporting a small balance. In addition and more important, the misreported 2 late payments ( 1 is NOT even valid ). There was a legitimate late payment in XX/XX/XXXX and an incorrect one reported in XX/XX/XXXX. When Experian showed an updated report this am, it now show a XXXX balance late payments in XX/XX/XXXX and XX/XX/XXXX. This is IMPOSSIBLE!! Please finally correct my report. The only late payment should be XX/XX/XXXX. NOT XXXX!! Thank you
Product: Mortgage

XXXX we requested a loan modification from Well Fargo and finalize the process XX/XX/XXXX. No need to cover all the details as they are covered in other filings with CFPB. 

When we requested the loan modification our mortgage payment was {$1200.00} with a income of {$3100.00} and a mortgage of {$120.00}, and a 20 year payoff, after the loan modification our mortgage payment was {$1100.00} with a monthly income of {$3100.00} and a 40 year payoff, something does not add up.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 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 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the XXXX. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or XXXX are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has been reporting this account as 120 days late for many months, while Experian and XXXX report it as a collection/charge off. XXXX and Experian are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each XXXX  as well as from one month to the next.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

In accordance with the fair credit reporting Act " Capital One '', " XXXX XXXX '' has violated my rights. 

Under 15USC1681 section 602 states I have the right to Privacy 15USC1681 section 604a section II states a consumer reporting agency can not furnish an account with my written instructions Under 15USC1666B states A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose