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

Late last year in XXXX I heard about a company named Grain, an App that could assist you with increasing your credit score. At the time I was looking for products to do just that, I debated for a bit because this particular company requires a down payment. Eventually I went ahead and moved forward I signed up and gave a security deposit of {$150.00}, the idea is you are borrowing against your own money and they report it as a trade line to the bureaus to assist with your credit. Everything was okay at first until one day my bank account which must be synced was disconnected. Grain has essentially poor communication with their customers, I found this out when the issues raised. Due to the lack of real communication and explanation of why my account would disconnect or why I wouldnt be able to log in at times payments would have issues because the only way to make payment would be via autopay with synced account, or through the app to my knowledge. Grain started to report me to the bureaus for late payments in the midst of me emailing them for assistance to get access to my account to make payments. They have virtually no response to emails outside of copy paste, their number doesnt give live agent access. If you dispute them with the bureaus you get no response from this creditor they just respond to the bureaus again with inaccuracies, The bureaus keep allowing them to report inaccurate information even when I provided proof. I even reported them to XXXX  and they were dishonest about following up with me repeatedly. Fast forward to this month they took {$120.00} from my bank after reporting my account as a charge off and still not responding to my correspondences. No explanation, my account is now paid in full and they refuse to update the bureaus with accurate information that the account is paid in full they refuse to delete the accounts from the bureaus and they refuse to return the security deposit. I dispute this with the bureaus and provided proof that they are indeed not reporting correctly and the bureaus still wont correct the information and are allowing inaccurate information to be reported! After doing research I should have done from the beginning I realized I am not the first customer to experience this with this company or the bureaus in relation to this company! They have ruined my credit history, essentially stole my money and at this time seem illegitimate. So I am reporting them in hopes that they stop this poor practice of false reporting and not communicating, or validation of the information they send. The bureaus are investigation must be more thorough to determine what is legitimate and what is not this is unacceptable.
Product: Prepaid card

I was given XXXX American Express gift cards, each valued at {$100.00} for XXXX, and am unable to use them on XXXX in any capacity. This is unusual because I have previously been able to use them on the site in years past. Every time I try to place an order, I am given the message " Payment revision needed '' and the prepaid cards have outstanding/pending {$.00} cent charges that are not being resolved on either XXXX or AMEX 's end to verify that the card exists and is not fraudulent. 

I did a bit of research online and this does not seem to be an isolated incident and appears to stem from the fact that AMEX does not allow the regestration of billing addresses for prepaid cards and due to a policy change at XXXX, and other online retailers, that the payment method is outright declined, even though there are a number of XXXX based stores listed on the AMEX site that should accept the form of payment, linked below. 

https : //www.americanexpress.com/en-us/maps/online? key=amazon
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get the credit report from Equifax. I used the web site provided to try to get all three credit reports. 
The Equifax page gave an error message and a phone number to call. I did and had a horrible experience. The phone menu is useless and tries to send you to the web page, which just kicked me out. They kept going in several loops until I opted to file some form so that I could get to an agent. 
The agent asked several questions to try to verify my identity. He said the system couldn't verify me and couldn't say why so he asked for my cell number so that I could take a picture of my drivers license, my SS card and myself to send back to them. When I complained he gave me an address to request by mail. 

I have been able to get my credit report over the years without any problem. My impression is that Equifax does not want to provide the information for free and would like to steer people to a paid site.
Product: Debt collection

roughly 8 years ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The company I worked for at the time, XXXX XXXX XXXX XXXX, sent me to XXXX XXXX in XXXX, Rhode Island, and never paid the bill. I have been contacted by the hospital and several different collection agencies over the years and told them it as a work injury and the bill is not mine, to no avail. 4 months ago Commonwealth Financial Systems took over the collections and sent it to my credit report. My score went from XXXX to XXXX in 4 months over a debt that isn't mine. I want this to stop NOW and i want the negative credit marks repaired immediately. I also want to know if there is civil actions I can take because I am starting a small business and cant get a loan, or credit, directly because of this and I'm already over XXXX into the business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reported as late, payment is up to date. Address was never changed for statement. Did not receive bill.
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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  XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan pay off balance is not updated accurately on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with  XXXX . I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This debt has already been removed by  XXXX  and TransUnion because it was deemed fraudulent. I never attended said " school ''. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.
Product: Credit card or prepaid card

I have been trying to link this account to several different money service apps I have. But have yet to be able to get any of them to connect up correctly. I need to go to the bank personally and see if I can get an account with checks. Ive been told that is what I have to do.
Product: Credit reporting

I had a Chapter XXXX Bankruptsy filed on XX/XX/XXXX and XXXX on XX/XX/XXXX. Transunion does not report the XXXX date, so I disputed this item and sent a copy of the Discharge to Transunion. Transunion did an investigation ( Confirmation # XXXX ) and upon completion still does not list the Discharge date and also now is reporting " Date Unpaid as XX/XX/XXXX '', which is NOT correct, there is no " date unpaid '' with a Chapter XXXX Bankruptcy. I disputed this XXXX times without resolution.
Product: Debt collection

XXXX XXXX XXXX, XXXX and Crown Asset Management threaten to sue me for a fraudulent debt and threaten to take everything i own if i do not pay them for the alleged debt. 
I contacted each compant and law firm asking them to do a proper investigation and they REFUSED. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers bearing my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. 
This is not my debt this is a fraudulent account and it is not my account. 

After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge. 

If you can not produce such proof and continue to violate me after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my court 's venue. You will have to travel to defend yourself in that scenario. 

Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required and NOT a computer printout. 

Since this is my final request, I will also be sending a copy of this letter to the Attorney Generals Office, Federal Trade Commission, XXXX XXXX XXXX, and The Federal Deposit Insurance Corporation ( FDIC ) notifying them that I have signed receipts for letters sent to you and you have ignored and not complied with my request.

Please understand as well that under the FCRA any " furnisher of information '' must put the account rating on hold while the debt, is being investigated and remove all negative remarks added to my credit report. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you by me.
Product: Bank account or service

RE : JP Morgan Chase Account ending in XXXXI think {$830.00} in overdraft fees and interest on fees is rather usurious. 
I have been advised by a consumer protection attorney that there is a very strong case here for a class action, but really I 'd rather not tie up the court system and would rather have an uneventful resolution to this matter. 

I have been advised by council to try to seek a resolution through the CFPB.
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was surprised to see incorrect accounts listed, and I dont understand why. I regularly monitor my credit report, but this time, I encountered unexplained discrepancies. I even tried refreshing the page to see if it was just a display issue, but nothing changed. Due to this problem, I am requesting a careful review of the documents I submitted so that I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit account through XXXX XXXX Bank on XX/XX/19. They received a credit report from a company called Sagestream , LLC stating that my credit score was XXXX which was communicated to me in a letter that I received XX/XX/19. This is grossly inaccurate as a quick check of XXXX shows XXXX, XXXX shows XXXX, and XXXX shows XXXX. XXXX  was also at XXXX before the hard inquiry that resulted from applying for this credit line. A quick search on XXXX XXXX shows that I am absolutely not the first to have this exact issue with Sagestream , LLC and users who have tried to contact this company were prompted to send over sensitive information such as social security numbers which is against all recommendations from the financial advisors I have visited. This company should not be allowed to continuously report wrong scores to credit companies as it has resulted in I and many others having been denied after taking a hit from the hard inquiry.
Product: Debt or credit management

ATM in supermarket debit my account XXXX  for {$22.00} only received XXXX transaction they told me manager that my bank should refund the money back to my account on. XX/XX/XXXX Nav federal credit union
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit reporting or other personal consumer reports

This XXXXXXXX XXXX XXXXXXXX account that has been charged off with XXXXXXXX XXXX and settled with the debt collector, XXXX XXXX, still appears on my credit report as a negative account with late payments. This is hindering me from obtaining housing and new lines of credit. Please see attached for documentation from both companies.
Product: Student loan

I took out a loan for {$7700.00} with XXXX XXXX, I then received a refund from the school of {$3600.00} from XXXX XXXX - that was in XXXX. 

My balance should have been {$4100.00}. I have made payments of at least {$6100.00}, and my balance is still showing {$3600.00}. That means I 've only paid down the principal of {$470.00}. This is unethical business practices on the part of Navient. And I need help. 

I have more than paid for this loan and I am going through some tough times. I truly need this loan to be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to each Transunion, XXXX, XXXX regarding XXXX Card services..to update the payment history of late on my XXXX account. 

The account should be updated to paid and never late and should not be reporting the incorrect information ...
Product: Credit reporting or other personal consumer reports

There are too many inquires on my consumer report that is there without my permission. XXXX has XXXX inquiries, Equifax has XXXX and XXXX has XXXX. I have asked constantly that they take these off because they are there without my permission and they refuse to do so consistently. Please have them do so immediately because I have sent them letters with written instruction on what needs to be deleted from my consumer report for months of XXXX and XXXX and they are not complying. They Violate my rights often as they can. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unverified accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require this account to be validated ( A ). I will take legal action against you if you do not validate this account. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX Balance : {$0.00}
Product: Debt collection

This debt was settled through XXXX XXXX and I disputed the debt with the company. They were also sent the proof of settlement. They are still holding the account open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters disputing this collection showing up on my credit. I have contacted the collection company and requested debt validation/dispute and they did not verify the account and they still reported on my credit file anyway violating my rights. I contacted the credit reporting agency and provided copies of the letters that they did not validate the this debt and to remove immediately. The credit bureau is violating my rights under the Fair credit reporting act. Equifax did not verify the account and did not ask to see a signed contract all they did was verify my name and address and said it was updated.That is illegal and violating my rights that is not way to update a collection account furthermore they did not ask to see any contracts with my signature on it and took their word against mine. Additionally, that is bias, unethical and violating my rights under the FDCPA. I demand that they remove this collection account immediately off my credit file. The credit bureau is allowing this injustice to occur and allowing companies to report inaccurate unverifiable collection on my credit file and not protecting the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. is reporting accurately unverifiable collection on my credit file and Equifax is allowing this to occur.
Product: Vehicle loan or lease

My interest rate is 19.25 percent. Yet when I have tried to refinance with other banks they deny my request. In short so far I've paid about $ XXXX in interest. Which sums up to approximately {$200.00} per month of the $ XXXX monthly payment counting towards the principal.
Product: Debt collection

Williams & Fudge repeatedly calls me after I've asked them to stop calling with different numbers in an attempt to contact me. They deny my request by continuously calling every day multiple times a day.
Product: Checking or savings account

The monthly interest payment ( on an account balance of approximately {$410000.00} ) on my business ( money market ) XXXX account held at Capital One Bank dropped to {$920.00} in XX/XX/XXXX from {$1400.00} in XX/XX/XXXX with no withdrawals from the account balance during that time period. The account statement prior to XX/XX/XXXX stated that the interest rate on account was 4.37 % APY and the XX/XX/XXXX statement stated that the interest rate on account was 3.85 % APY. I contacted Capital One Bank in early XX/XX/XXXX asking why the interest posted to my account appeared to be under-credited by approximately {$500.00} in XXXX and to review the situation for resolution. Capital One indicated that I should receive a reply back within XXXX weeks. After not receiving any responses back, I called XXXX early XXXX, early XXXX, XX/XX/XXXX, and again on XX/XX/XXXX each time speaking with business team supervisors. In these calls, I was finally told that the money market interest rate was reduced from 4.37 % to 0.01 % for XXXX weeks in XXXX before being changed back up to 3.85 %. No notification of any kind ( neither by email, regular mail, or notification message to the online account ) was ever provided by Capital One for the interest rate change. Capital One then stated on XX/XX/XXXX that interest rates can change at any time on money market accounts, so they were denying my appeal for the XXXX interest correction. While it was expected to see some adjustment in the money market interest rate paid to the account given the XXXX XXXX basis point reduction in Fed rates XX/XX/XXXX, it seemed completely inappropriate to reduce the account rate by over 4 %. Moreso, to make such a change WITHOUT ANY NOTIFICATION to the customer and then to essentially " hide '' the XXXX week change to the 0.01 % rate level from all account statements ( and be only apparent to customers who manually calculated their own monthly interest payment ) is XXXX irresponsible and unethical from a banking institution at best and perhaps ( more accurately? ) fraudulent at worst. Other customers should stay aware of Capital One 's apparent business practice of changing interest rates without notification and during the middle of posting periods that could be costing them expected interest income.
Product: Credit reporting or other personal consumer reports

I paid off XXXX loan that had a significant amount of debt at the end of last 2023 in XXXX. My credit score did not increase in fact in went down. it happened again when i paid off XXXX loan i had a month ago. my credit score went down XXXX points. I am confused. I work hard to pay off debts and pay on time and my score decreases. This is not how it supposed to be. I NEED AN EXPLANATION OF WHY THIS IS HAPPENING TO ME. Ive been paying off debt a long time and my score ALWAYS INCREASED NOT DECREASE. PLEASE HELP
Product: Money transfer, virtual currency, or money service

CashApp is horrible in their security and support. I have had this issue of fraudulent attempts on my account for MONTHS now. 


The answer? 


BUY ANOTHER CARD even though the attempts on my account ARE NOT ON MY CURRENT CARD... THEY ARE ON AN OLD CARD THAT I HAVE NOT USED IN YEARS!!! 

Their level of support is horrendous, and the ONLY REASON I haven't been charged is because I always have my card locked because I know how horrible CashApp is ( and their support online ). 


I have screenshots upon screenshots of attempts to take XXXX here, XXXX cents there ... and even {$5.00} and change at one point. THIS IS THE SAME COMPANY THAT WANTED ME TO USE THEM FOR DIRECT DEPOSIT?!?! WHY?!?!? So I can have my money unsecured???? 


CHANGING MY CARD WOULD NOT FIX THIS ... AND WHY WOULD I HAVE TO PAY TO CHANGE MY CARD ANYWAY???? 


THEIR COMPANY IS XXXX XXXX XXXX  use it as a XXXX XXXX.. that is it and that is all. 


They have no REAL support... just humans acting as robots giving a script that has NOTHING to do with fixing my issue. 


CASHAPP IS ALLOWING FRAUD TO RUN RAMPANT WITH NO SOLUTION. When I 1st notified them, I wanted them to be aware of it and bring it up to a security team or upper management... the rep said " since no cash has been taken out, there is nothing to do '' ... 2 to 3 months later and I am still having attempts on my account ( not card because it is a different card number ) and they still refuse to look into the matter. They just keep sending the same scripts about locking my card or BUYING another card to replace this one ( even though once again it isn't even the card number they are using to get to my account ). 

I have spoken to MULTIPLE representatives and they all spew out the same script ... the preset responses they have which are the same verbage but yet has no solution to what I was telling them my issue was ... which was to bring this up to the security/fraud department and upper management.