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

XXXXXXXX XXXX XXXX XXXX and Discover all lied to me and reported late payments on my credit report when they promised not to as I paid off the balances in full. I have the conversations recorded where they said they would not report the payments as late because I was sick qith XXXX  XXXX. All of them then immediately turned around and put a late payment on my credit. Which caused other accounts to do hard pulls on my credit report without my permission or any notice which then further damaged my credit score. 
All of this resulted in Discover card and XXXX XXXX closed my accounts due to my current credit situation, citing a reason that was not a part of the approval process when they approved the credit lines. This did further damage to my credit report. A VERY SIGNIFICANT AMOUNT OF DAMAGE. I own my own buisness and am struggling to to keep it open. Because of all of this no one will lend me a dime and I will be out of buisness before the end of the summer 2022. This completely skewed policy or loophole that allows a lender to close your account because suddenly they are unhappy with my credit score allows them to, subsequently, do a bunch more damage to your score should not be legal. Why is there no one on the side of the consumer? No pathway for recourse? I've tried calling the creditors numerous times to get them to take it off, I've disputed this with all of the mentioned creditors with the big three agencies numerous times. This has single handedly ruined my life and my future. Getting XXXX  for 2 months was not supposed to be met With financial ruin yet here I am before you, the ruined man about to be XXXX, XXXX XXXX XXXX, lose the reputation I've built around my service, and the immense amount of credit building I've been doing the last three years has been all for nothing. Thanks to all the banks and corporations who own our government. Who run our country. Who ruin our country. In the name of their greedy shareholders bottom lines. I am XXXX. Please help me.
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 electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2022 I had a CT scan done at XXXX XXXX XXXX XXXX in XXXX, Alabama. My insurance is XXXX XXXX XXXX XXXX. That means that I have full Medicare and full Medicaid. When a provider bills United Healthcare they pay what is covered by Medicare. They then instruct the provider to bill Medicaid for any remaining balance. That is not what happened in this case. I have contacted XXXX XXXX 's billing office repeatedly. I have also contacted XXXX XXXX at least 8-10 times. The representatives have contacted XXXX XXXX 's with me on the phone. They have been given the Medicaid number numerous times. A representative and myself have been on a call together and contacted Alabama Medicaid. We were informed that no request for payment has ever been submitted by XXXX XXXX 's for the remaining balance of {$110.00}. Instead they chose to turn it over to a collection agency that continuously call daily, shortly after XXXX XXXX. I have told them to bill Medicaid because I do not owe. XXXX XXXX 's has told XXXX XXXX repeatedly that they will pull the file back from collections and bill Medicaid, yet they tell me that I don't meet their criteria. I have health problems and a husband that is currently hospitalized. I want them to stop harassing me. I can not bill Medicaid for them. They told me to request a XXXX, which I did, yet they still continue to harass me and not do their job which is bill Medicaid. If I did not have the insurance coverage it would be understandable. But I do have the coverage. Frost-Arnett needs to stop their harassment. I have asked them to stop calling me, yet they continue to do so daily.
Product: Credit reporting or other personal consumer reports

I am disputing two credit card accountsXXXX Bank ( {$5600.00} ) and XXXX  ( {$4100.00} ) that have been inaccurately reported on my credit report. Despite multiple disputes, the balances remain incorrect. I have received 1099-C forms for both accounts, indicating the debts were forgiven, and I have uploaded copies of these forms in previous disputes. The credit bureaus have failed to review the provided documentation and have solely relied on the creditors information, neglecting their duty to properly investigate. I request that these accounts be deleted from my credit report immediately due to this ongoing inaccurate reporting and failure to investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really don't have dates or individuals involved but I submitted several contact forms in order to figure out why my credit report can not be pulled.
Product: Checking or savings account

I'm currently Banking with Chime & for some how some way. Someone enter into account & was able to change my information & used my Checking Account. Im still in shocked as how to they bypass a Banking Institution security. I've contacted the Bank immediately. Still no reply for their support team. All my funds are gone. I can't use my card no more. I can't login into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called XXXX XXXX XXXX XXXX, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted XXXX XXXX XXXX XXXX and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from XXXX XXXX XXXX XXXX saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that XXXX XXXX XXXX, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I transferred {$500.00} from my external account to my cash app mobile checking account. CashApp is a subsidiary of Square Inc. For some reason still unknown, cash app lock my account. For some reason also still unknown my account remains locked. Despite several attempts to contact them, the following day and every three to four days since my account was locked I've received little to no support to resolve the situation and verify my identity which they said was necessary for me to regain access. On XX/XX/2020 again I attempted to contact Cash app for a status update on my case. Shortly after the same day I received a reply stating that my case had been closed due to non communication on my part. That was completely false, I have more than enough data to prove that was false. They have no dedicated phone lines to communicate with customer support, they only communicate via email. When reaching out to customer support they state that they will respond within 48 hours. That also was not done on their part. I also attempted to communicate with customer support via XXXX. After a lengthy discussion, they said nothing can be done until the investigation is complete. Since then they have avoided all my attempts to communicate with them. My funds of {$500.00} remain lock in the account. As you can imagine during these times under these circumstances, I am in dire need of that money and they have done very little, almost nothing to make those funds accessible to me. 

Also irrelevant to my case but I would like to state that several persons known to me have experience similar issues.
Product: Mortgage

I 've been having some issues with OCWENLoan Servicing, because I believe they are not being truthful in trying to help consumers. Ocwen claimed they refinanced my mortgage, yet they added an additional {$30000.00} plus on to my principal. I 've been paying my mortgage for the past few years successfully and on time, yet I received a letter from OCWEN stating they have to increase my mortgage payment because I did n't pay enough toward my escrow account. Whenever I call them concerning an issue in regards to my mortgage, the person at the other end of the phone can hardly XXXX, much understand what I am saying. I have to constantly repeat myself. This company needs to be investigated in regards to their practices.
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES MADE IN ERROR OR PLACED ON MY CREDIT MORE THAN ONCE AS IT ONLY SHOULD BE ONE TIME OR NOT AT ALL AS SOME I DIDNT APPLY FOR IT AT ALL. PLEASE DELETE.


XXXX :ON XXXX XXXX XXXX XXXX XXXX KY XXXX

NEVER APPLIED WITH THIS BANK OR COMPANY. PLESE DELETE

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX

THIS IS A DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE

XXXX XXXX XXXX: ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX  
THIS IS DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE


THEIR IS MORE THAN ONCE ON MY CREDIT SAME COMPANY EITHER DIDNT APPLY AT ALL OR APPLIED ONLY DID IT ONCE ON MY CREDIT IT HAS BEEN PLACE MORE THAN ONCE TWO OR THREE TIMES NOT ACCURATE PLEASE DELETE AS I MADE SURE TO PUT DATES OF THEM ALL. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, are not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

I made a payment on XX/XX/XXXX of this year to westlake financial, and they subtracted the same amount on the XXXX of the same month as there was a scheduled payment when I do not have a self-payment or scheduled payments with them, I have called them since that day to return the money and it was not like that, I even told them they will take it as payment for the month of XXXX and they have not done it and they are charging me daily default interest for course delay, they do not want to solve this situation and that brought me consequences with rent payment.
Product: Credit card or prepaid card

I am a long time customer with US Bank. I recently went to add my son ( who also has checking/savings account with them ) as an authorized user to help build his credit history. I was told the credit card account was inactive even though my card is not expired and I have not been sent a new card. I have a XXXX balance on the card and I was told if it is not active for 12 months they close the account. 

Closing an account with long good standing of on-time payments would have a negative impact on my credit score. Furthermore, if they have already reported my card as inactive in their internal system without notifying me, before my existing card is expired, and even before they issued my a new card is deceptive because I have no idea what date they reported this and therefore have no idea when they started the 12 month inactivity rule. 

They are punishing customers for paying down their card to a XXXX balance and furthermore, forcing card holders to use the card to keep it active. I try to use cards responsibly and for emergencies it is wrong what they are doing even though they say it's in the agreement I signed. You not be punished for using credit cards responsibly. Is it legal for them to close an account because they're not making enough money off of you?
Product: Debt collection

I sent Afni Inc 2 letters and tracked both. They both were received by Afni, however they have never responded. 

First letter was sent in XXXX XXXX and the 2nd was sent in XXXX XXXX. I have the tracking information and copies of both letters. 


Afni Inc XXXX XXXX XXXX XXXX, IL XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2019 I decided to apply for a personal from the lending club. After carful review of my credit score 737 and a stable job of 8 plus years with an annual income of {$120000.00} should be enough to qualify for a {$20000.00} loan. Not the case at Lending Club. I was told that I didnt qualify for a loan because my loan to income ratio was to high, my total debt {$8000.00}. I was confused because it made no sense.i asked how they determined this I wanted to know what credit model and credit score range was used. Lending club explained XXXX supplied the information and credit questions should be  discussed with them. After speaking with a XXXX rep they do not deal with income ratios. Moreover, XXXX wanted to know what credit score model the lending club was using, having a high CS they were confused as well. I called the Lending Club back spoke to XXXX the floor supervisor said apply again online using a different email address and to call him back after I applied again. This time around I would qualify for a loan with a co-signer. I asked him over and over again to explain to me what in my credit history doesnt qualify me for a loan. He made no sense kept saying I need a co-signer and hung up the phone. Its my understanding of a lender denied a loan they should explain in detail the issue preventing me of approval so I can change or fix the problem. Keep in mind this is the short version of the incident.
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. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Account name : Department of educationXXXX 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 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: Mortgage

My husband and I closed on our VA Mortgage with Eagle Home Mortgage on XXXX XXXX, 2017. We have a close agreement to provide pay stubs from my husbands job at XXXX for the week ending XX/XX/XXXX and XX/XX/XXXX. During the loan process prior to closing the first pay stub submitted for evidence was in PDF format because my husband had a paper check that week. The following weeks we sent a screen shot from his computer at work instead of a PDF copy. I asked the loan processor if it was acceptable and she said yes. All pay stubs after were sent as a screen shot from his work computer and sent on time per the agreement. 
My husband is in training in his job. He does not have his own computer. The computer he does use does not have the ability to print, or convert to PDF, or email. After closing, Eagle Home Mortgage has been telling us we are not meeting our agreement by not providing PDF copies. In the signed agreement it does not state the format has to be PDF and I asked several times for them to point me to the regulatory requirement that says the statement has to be printed in PDF.  My husband also suffers from a XXXX XXXX XXXX from XXXX and while Eagle Home Mortgage may think they are providing simple instructions, it does not work that way with his XXXX. Also, if Eagle Home Mortgage required the paystubs in a specific format, that should have been clearly stated in their agreement and not left open for interpretation. When working with people with XXXX XXXX you have to be very specific on the ask or the individual reading it does not understand. I believe they also may be in violation of the Americans with XXXX  Act by not providing an agreement in clear,  usable format for his XXXX. 
Eagle Home Mortgage is going down the process of saying we are not meeting the agreement and will take action to force us to default on our mortgage loan by requiring the balance to be paid for in full immediately. What seems to be happening at Eagle Home Mortgage is my file was selected for a quality control review. The loan processor failed to follow their internal policies with the format of paystubs and rather than taking the hit on not meeting their own requirements, they are penalizing my husband and I for their mistake.
Product: Credit card or prepaid card

I went to XXXX XXXX of XXXX to have car repairs done. They told me that they were partnered with a new companycalled SUNBIT. Sunbit offers installment loans and credit cards to XXXX XXXXXXXX customers to help with car repairs. I applied for the sunbit financing and was approved, i had 3 installment loans and 1 credit card with Sunbit XXXX XXXX XXXX XXXX XXXX Ca XXXX. 
All the loans and credit cards were setup on auto pay from day one. Sunbit requires this in order to get the financing. Bank routing number debit card number all were there on the account for auto pay. Sunbit was withdrawing the payments from the account successfully up until XX/XX/2022 ( but in XXXX XXXX XXXX they stopped with drawing the payment for the credit card ). I received my first notification in XXXX XXXX letting me know that the credit card account was 90 days delinquent and i owe XXXX. I contacted customer service agent to find out why they stopped auto pay for the credit card. All my loans and credit cards are on 1 account all payment should have been made. The agent told me that they only auto payment for a credit card account a few months and the customer has to call in and give us permission to continue. I told the agent that policy is ridiculous! Auto pay means that you continue to withdraw payments until the balance is paid in full. I dont have time to call in each month and beg you people to take a payment. Also why did you wait almost 90 dyas before sending out a notice? Theres no way i can catch this up now. I am a senior citizen i receive social security XXXX payments. I cant pay XXXX a month on this cad without becoming homeless. Sunbit has really created a financial hardship for me and you are damaging my credit each month reporting the card payment as late. I think this is negligence on XXXX part for not withdrawing the payments and not notifying me immediately. I asked if we could set up a plyment plan to get the account back on track and Sunbit told me " NO ''. we dont offer any payment plans. I signed up with a consumer credit counseling agency who contacted Sunbit with a payment plan offer and sunbit rejected that ofer to.
Product: Checking or savings account

On XX/XX/ a complaint was filed with the Comptroller of the Currency. I was directed to file a Complaint with the CFPB. This Complaint deals with fees that were posted to my Citibank account. The complaint states that Citibank was aware that Scammers had Deposited a Mobile Check to my account. Citibank Closed the account. They opened a new account after review by their fraud department. That later charged my account- {$800.00} for the fraudulent XXXX ( fees ). I told the Comptroller of the Currency I should not be held liable for these fees. Thank you.
Product: Student loan

For over a year now Navient has locked me out of their website so I could not see how my payments were being allocated. I have been making bi-weekly payments to Navient for sometime with the understanding that doing so would lessen the impact of daily accrued interest and thus reduce the principal because payments would be allocated accordingly. Back in XXXX I sent a letter to Navient asking how payments were allocated and true to form they are maximizing fees. Rather than applying my payments to the loan group they resposnded by saying they have the ability to apply accross multiple groups. So in my case on loan has an interest rate of 5.75 % XXXX V ) and the other 9.75 % XXXX V ). I have been paying more on the 9.75 % ( V ) loan but to my amazement when I logged in to view my account after it being unlocked you can see that essentially all the funds I 've sent to Navient have gone to interest only and basically none to principal. This now explains why my loan has been amoritizing negatively and the balance continues to GROW! Navient is of no help in getting payments re-allocated nor do they have any incentive to help those of us who are actively paying on our accounts. Those in my situtation have no outlet and are at the mercy of this horrific treatment and servicing.
Product: Debt collection

The company name listed on my credit report is : The Bureaus Inc. the amount of the debt is {$2500.00}. I have no knowledge of this account nor have I received any notifications from The Bureaus Inc. regarding this alleged debt. My credit score is being negatively impacted due to this as I was denied credit today. I would like this matter investigated and resolved immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. and 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agency , block all information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personals credit cards and loan accounts opened at XXXX  XXXX under the account XXXX, XXXX under the account XXXX, XXXX XXXX  under the account XXXX, XXXX XXXX under the account XXXX, XXXX under the account XXXX, XXXX under the account XXXX and XXXX XXXX under the account XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.