23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

To Whom it May Concern, Im trying to report my credit card for unethical treatment re ; my last monthly bill. I recently charged a vacation for my wife and I on the card so it was somewhat larger than normal. I paid the sent statement in full, always have for life of card, and the credited a much smaller amount. As it turns out the extra interest was charged and I made a total of 5 calls to try to resolve.

The manager, XXXX< finally said a research dept will look into and get back to me on the XX/XX/XXXX of this month. In the meantime I asked for them to provide a copy of the check or documentation and was denied.

In this day of instant communication I find extremely poor customer satisfaction and dont know where to turn. My thoughts are if I have this poor experience other must have too.

They have admitted they read it wrong and research will be in touch. Can you help tell me how to fast track this issue??

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Ma XXXX Cell ; XXXX XXXX XXXX Hme : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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Product: Money transfer, virtual currency, or money service

hello 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 on their platform, leaving my account venerable and unprotected. furthermore, their dispute 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, credit repair services, or other personal consumer reports

Equifax credit report shows the comment customer disputes after resolution fixed rate. I never filed a dispute related to this account with the credit bureau nor with the Department of Education. I would like this comment removed immediately.
Product: Credit reporting or other personal consumer reports

Upon my latest credit report review, I was alarmed to find unauthorized inquiries. These anomalies were absent in previous checks. A browser refresh didn't resolve the issue. I insist on an immediate and detailed examination of my submitted documents to alleviate this ongoing worry.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Complaint Regarding Inaccurate Late Payments Reported by Experian Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by your bureau. These late payments are erroneous and do not accurately reflect my payment history.

Nature of the Complaint : Inaccurate Reporting : The late payment listed on my credit report for XXXX XXXX is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : The reporting practices violate the TILA, which mandates accurate reporting of credit information. 
The Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681i and 15 USC 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Information : Account Name : XXXX Account Number : XXXX Reported Late Payment : XXXX XXXX High Balance : {$160.00} Balance Owed : {$0.00} Account Status : Closed, Paid Evidence of Errors : Discrepancy in Reporting : Experian incorrectly reports a 30-day late payment in XXXX XXXX

Documentation Attached : I have included my credit report, government-issued ID, Social Security card , and proof of address to support my identity and request.

Requested Resolution : I request that Experian conduct a thorough investigation and remove the inaccurate late payment for XXXX XXXX  from my credit report. I expect written confirmation of the correction within 30 days of this complaint. Failure to resolve this matter may result in further action to protect my rights as a consumer under the FCRA. 
Attachments : Copy of my credit report Copy of my government-issued ID Copy of my Social Security card Proof of address Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Student loan

I have been trying to change my loan repayment plan from the standard plan to the graduated plan with Mohela for the past three to four months. I initially tried to change it with them XX/XX/XXXX, but they said it would take time to process the change. 
I called back in XXXX asking for an update, because I hadn't received any correspondence from them regarding the issue. They claimed that it would take longer to process ( up to 45 business days ), so they put in a request for the account to have a forbearance until the process was complete ( this should process in 7 business days ). 
I again hadn't received any correspondence about the approval or denial of forbearance, and I had to access my Mohela account to determine that it was approved ( until XX/XX/XXXX ). 
Today, XX/XX/XXXX, I still haven't received confirmation about the loan repayment plan change, and the account doesn't show a change. It just shows payment due XX/XX/XXXX on the standard payment plan. I called again today, and after waiting for five hours for a call-back, they claimed they couldn't do anything for me in that department and I had to be transferred. I understand there are different departments in call centers and customer service, however, after transferring, it said there was an additional five hour wait time ( without a call-back ) and then the call dropped after an hour of waiting.

Throughout these four months, there has been no correspondence from Mohela about any status updates or approvals/denials, and I have needed to call several times on different occasions to be able to speak to someone about these issues. It takes several calls and/or several hours [ of waiting ] to be able to speak to someone, and the account doesn't show any correspondence that I have sent to them in the respective section nor any evidence they've tried to send me correspondence.
Product: Checking or savings account

I am filing a complaint against USAA regarding a chargeback dispute ( XXXX XXXX. XXXX ) that I initiated on XX/XX/2024, for services not provided by the merchant, XXXX XXXX XXXX XXXX. The original transaction date was XX/XX/2024, and the invitation date was XX/XX/2024. 

USAA initially credited my account with the {$5000.00} in dispute. However, this amount was subsequently debited from my account without any explanation or communication from USAA. Despite multiple checks in the USAA app and several calls to customer service, I received no satisfactory updates or information regarding the status of my dispute. 

According to XXXX guidelines and the Fair Credit Billing Act ( FCBA ), a merchant typically has 30 days to respond to a chargeback. Since XXXX XXXX XXXX XXXX  did not respond within this timeframe, the dispute should have been resolved in my favor. The FCBA ( 15 U.S.C. 1666 ) requires credit issuers to resolve disputes within XXXX billing cycles ( not more than 90 days ) and to side with the consumer if the merchant fails to respond timely. Additionally, under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, consumers have the right to be kept informed about the status of their disputes. USAAs failure to provide updates and its unexplained reversal of the provisional credit violate my rights under these federal statutes. 

Given the merchants lack of response and USAAs failure to provide adequate updates or explanations, I believe that the chargeback should be resolved in my favor immediately. I request the CFPBs intervention to ensure that my rights are upheld under both the FCBA and the EFTA. 

Thank you for your attention to this matter.
Product: Credit reporting

am not aware about this inquiries I send a letter to the XXXX credit bureau, I try to call the company and no answer ( some of them do not pick up the phone ) : Tansunion XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting

For the last 2 years, I have requested my free annual credit report from Equifax and XXXX electronically and both times I was denied getting my credit report online and had to submit a paper form. I believe the " verifying your identity information '' is incorrect, as it has my current/previous employer as " XXXX XXXX '' instead of its proper name ( XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is constantly harassing and oppressing me after I told them to not contact me and is violating my rights under the HIPPA law because I didn't consent my information to be shared, also violating the FDCPA constantly harassing me through phone and emails and the FCRA this is a lawsuit and I will pursue for harassing me.They are using abusive, unfair and deceptive practices and also will report to the Federeal Trade Commission
Product: Debt or credit management

I purchased a membership with TomoBoost Credit on XX/XX/year>. It advertised itself as a credit card and credit booster. What it doesn't tell you is that they no longer give credit cards out and lie to the credit bureaus about your credit limit and payments. They are refusing to give me a refund. They lied about giving me a credit card they lied about the credit limit. My bank can't be hooked up to the website because it's not supported they also don't state that not all banks are accepted. The website is a scam and very dishonest. They offer no support and only respond with bots
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX hard inquiries on my TransUnion credit report that are a function.of identification thief and according to the fair credit act I want them removed. I will be filing a police report also. I have been informed that my information was contained in a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial checked my XXXX XXXX more than once. They recorded XXXX hard inquiries when they shouldnt have.
Product: Credit reporting or other personal consumer reports

FCRA violations : not my account XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$5100.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type XXXX  account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I noticed my credit score drop over 100 points on XXXX and XXXX. I saw A new account with a balance over  XXXX from XXXX  XXXX. I have never applied for anything with this company. I have been getting calls from an unknown number. They would leave messages saying its XXXX  but I thought this was spam and never returned any calls. I do not have any accounts with XXXX   and have not applied for anything
Product: Mortgage

I applied for a mortgage loan with Navy Federal Credit Union on XX/XX/2020. I submitted all of my income information, bank statements, W2s, tax transcripts. 

I was given an email address and phone number for the loan processor XXXX XXXX XXXX ID # XXXX Phone number ( XXXX ) XXXX x XXXX Email address XXXX I waited for 2 days on XX/XX/2020 I called XXXX in the morning for an Update. XXXX did not pick up so I left her a message. I called again 4 hours later, again no pick up and call back. On day 3 on XX/XX/2020, I called first thing in the morning around XXXX XXXX  thinking there may be a time difference, again left a message and no call-back. 

Day 4 on XX/XX/2020 I get an email with a document uploaded to my Navy Federal dashboard with my credit denial letter. 

I check my credit score my Navy Federal dashboard it is XXXX. They sent me a denial with a XXXX score. This enraged me since I had more than adequate income and availability of down payment for approval. I was not given a counter offer either and no one called me back. I feel they discriminated me as a minority and offer their no down payment programs to only their favored races. 

So I called them that even an FHA loan requires XXXX FICO, and my XXXX is XXXX then they said someone will call me back since I said I may file a complaint. I get a call this morning the lady says I need to call XXXX  because my credit score was under XXXX their guidelines. 

When I got denied credit, I applied at another mortgage company which pulled my credit again, which must have dropped my score from XXXX to XXXX, but that is still over their guidelines of XXXX. The mortgage company sent me a pre-approval and said I can start looking for homes. I even qualify for higher amount of loan. So I feel somewhere discrimination happened, either in processing or underwriting.
Product: Credit reporting or other personal consumer reports

Had identity theft, along with proof of ID theft and proper filed government filings no charge offs were removed from all 3 credit bureau. Experian XXXX and XXXX!!! There are 3 chare-off accounts that were considered fraud, 2 XXXX credit card accounts and 1 XXXX  XXXX account. Those 3 accounts were charged off. My identity theft reports were not recognized and honored by these credit bureaus
Product: Debt collection

My credit report showed I owed Certegy {$200.00} from a check written on XXXX/XXXX/XXXX to XXXX. I contacted them and they said my bank did n't pay due to NSF. I contacted my bank and they said to dispute it because I had money at the time and overdraft protection. When I disputed, they ( Certegy ) figured out someone had keyed in the wrong bank account. I agreed to pay the check but they could not tell me who to pay it to. They said they sent the check to XXXX XXXX. XXXX XXXX said they returned it on XXXX/XXXX/XXXX because they did n't send an image of the check. I submitted an inquiry and they returned a letter saying that Complete Payment Recovery Services had the claim now. I contacted CPRS and they said they sent it to XXXX XXXX. I contacted XXXX XXXX again and they said they sent it back to Certegy. When I contacted Certegy again to see who I needed to pay they said they would mail me information. I never received it so I called back on XXXX/XXXX/XXXX and they told me to call CPRS. CPRS told me to call XXXX XXXX, XXXX XXXX told me to call XXXX. XXXX checked in all XXXX of their data bases and there was no references to this claim and call XXXX back. I spoke with XXXX at XXXX XXXX and then XXXX who said she sent it back to Certegy and would send it again today. I waited a couple of hours and called Certegy back and they said I needed to call CPRS. I explained I had called them already and had been sent to XXXX XXXX and now back to them. They ( : XXXX ) stated she did n't see any notes that I had talked to CPRS and I would need to contact them again. I did and spoke with another lady and she said she would send an email to XXXX XXXX. I called XXXX back and they said they do n't have my claim. It has almost been XXXX months and I 'm in the process of trying to buy a house and this is holding up the final paperwork. Nobody can tell me who to pay and keeps telling me that another company has it. Customer service from Certegy has not been helpful and keeps putting it off on other companys.
Product: Vehicle loan or lease

It's ridiculous that they will put anybody in a car, without proper verification!!! These interest rates are crazy. They have ruined so many people lives
Product: Debt collection

They have filed the same case 4 time in three different counties and are willing to take my payment plan. I called and the rep told me that they would get more when they take my wages vs the XXXX a mth payment plan and it was over XXXX. Also lawyer XXXX XXXX XXXX works for both collection companies offices and I feed that they shared my information without tell me the customer. 

Case XXXX ( FILED XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o After two years and another open case in XXXX County XXXX o No documents sent court for payment plan from lawyers office XXXX ( Filed XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o No documents sent court for payment plan from lawyers office XXXX ( Field XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account ( by XXXX XXXX XXXX lawyer also works for Roosen Varchetti Olivier Attn : XXXX XXXX XXXX ) o Notice was provided by ad for lawyers o Sent a letter to XXXX County about the update and they closed case XXXX due to no moment from the lawyers office in two years, yet refiled the case in another county. 
o Sent a payment plan request to both XXXX County Court and Roosen Varchetti Olivier to no avil o XX/XX/XXXX : sent another response letter to move the court date to XX/XX/XXXX to seek a lawyer or a payment plan and I also sent my bank info for a {$50.00} by weekly payment plan with {$100.00} down.
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXXXXXX XXXX XXXX Inquiry : XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union credit agencies have all failed to take a fraudulently opened credit line off my report and adjust my credit. There was a XXXX XXXX XXXX XXXX that opened in XX/XX/2022 that was opened without my knowledge. I called XXXX and they said they would close the account due to fraud and would contact the credit agencies as well. I dont believe they did that but I did open cases with each of the credit agencies. They all came back and said that they found the account to be open legitimately. I dont know what they check because if someone stole my identity, it would look legitimate wouldnt it? But the XXXX credit account was used to purchase merchandise in the state of CT but I live in NJ. The merchandise was never picked up at the store and the company has a policy that auto returns the goods after 5 days if they have not been picked up. Obviously purchasing pick up items in another state is clearly a sign this is fraud. I placed freezes and locks with all the credit agencies but they all still wont fix my credit and delete that account from my profile. Its not my account, it was identity theft and nobody has sent me anything in the mail for me to report this to the police. I want this XXXX account off my credit profile and the inquiries that were made to be reversed. There was also an attempt at XXXX XXXX XXXX to take out a credit card but the card was declined.
Product: Checking or savings account

On XX/XX/2022 I received a notice from CapitalOne Bank to inform that I was declined a checking application. I immediately called CapitalOne Bank and reported a identity theft and fraud. I have never applied for a checking account with CapitalOne Bank.
Product: Debt collection

In XX/XX/XXXX I pulled all 3 credit reports. I noticed XXXX XXXX XXXX on my report as a collection account. I disputed with all 3 credit bureaus in XX/XX/XXXX. In XX/XX/XXXX it came back as verified. I sent a certified letter to XXXX XXXX XXXX demanding validation on XX/XX/XXXX. No response. Prior to my letter, I did not receive a dunning notice. I was also not notified within 30 days of placing negative information into my credit file. Delete any and all claims.
Product: Credit card

On XX/XX/year> I applied for an American Express credit card with a limit of XXXX upon recent discovery I am exercising my right to initiate a consumer credit transaction with American Express. I am an investor as stated in XXXX XXXX XXXX Treatment of financial assets transferred in connection with a securitization or participation. As a result, the application became collateral for your extension of credit to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXXXXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX