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

Bill pay kept paying after I took back the authority they once had because I XXXX bill pay t6he credit union as told not to pay any more bills for paid bills knowing the fund had be directed to another bank and being told not but they charged more fees and paid no bills just collected more fees from my account. They was paying bills and not telling me but charge me fees the as if they paid bills. my credit is really messed up and they did nothing to assist me to correct it all though in their manual they were responsible for not getting the payment out on time the only thing they did was denied me credit for late payments that was on the report caused by them they denied me credit for what they did and or cause. Now they are expecting me to pay for bill pay intentional act call me every week and I tell the same thing get from bill pay. Charge me fees for returned checks they wrote knowing the fund was not there they just wanted to collet fees, I had to get out of their bill it was miss using my funds I have to get my credit fixed I can do anything including getting a jog I had a business because of the late payment canceled my money order sell and cut the machine off. They have done nothing to help me fix the problem they refused to give me a copy of letter the claim they sent credit reporting agency 's
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit card or prepaid card

I am in the process of trying to pay my promotional balances for XXXX XXXX XXXXr and I am being told that I have to pay my minimum payment before they can allow my payments to be applied towards the promotional plans, which is due before my minimum payment. On XXXX, I spoke with an agent by the name of XXXX who assured me that my payment for the month of XXXX would be applied to my promotional balance, but when I called today, I was told that I have to pay my minimum payment before they can apply anything to my promotional balance. Given the discrepancy in information provided, I am forced to believe that they are trying to make sure that I accrue interest, which I am no position to pay. This fraudulent practice must be called into question as consumers should not have pay their minimum balance before the due date.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam, I am writing to dispute the following information on my credit report. I have circled the items I dispute on the attached copy of the report I received. 
The item ( XXXX ) I dispute is/are : Account Name : XXXX  Reason for Dispute : This account was paid in full in XXXX of XXXX. There should be a XXXX balance. 
I am requesting that the item ( XXXX ) be removed ( or corrected ) to reflect accurate information, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Under the FCRA, you are required to investigate the disputed information within 30 days of receiving this letter and to notify me of the results of your investigation. 
consumer.ftc.gov Please provide me with a copy of the updated credit report once the dispute has been resolved. 
Thank you for your prompt attention to this matter.
Product: Checking or savings account

DATES : XX/XX/2020 AMOUNT : {$40.00}, {$78.00} the company charged me incorrectly by writing external bank refund charges
Product: Mortgage

BB & T Home Mortgage transferred the servicing of my mortgage to SunTrust, both " now Trust '', probably as part of some balance sheet shuffling to keep their books looking good. I no longer have easy access to my mortgage via an online channel where I have a bank account, and so making my payment has become complicated.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item keeps appearing on my credit report. I dispute and receive a letter that it will be removed then it is placed back on my report by a different company and re-aged as a new debt. I have contacted the collection agency and was told that the account will never go away and that every time I dispute it with them, they will re-age the account. The amount is for {$450.00}. The account is showing as a new debt on my credit report as of XX/XX/XXXX. Per the collection agency, the debt is from XXXX. 

This is a FCRA violation : Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

An account from XXXX did not just become delinquent in XXXX after being passed from several collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes over the last 2 years with XXXX, XXXX and XXXX requesting verification and the removal of the AMERASSIST AR SOLUTION, XXXX XXXX, XXXX XXXX and XXXX XXXX accounts. I have asked for the proof and method of verification from each credit bureau and they have not provided anything. On XX/XX/2022 I sent a debt validation letter directly to AMERASSIST AR SOLUTION and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX Now and they did not respond. 
On XX/XX/2022 I sent a debt validation letter directly to XXXX XXXX and they did not respond. 
In XXXX with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. These accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

My credit was compromised and multiple inquiries were made on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Complaint : Posted check to closed account # XXXX and does not return check ( 3 + month past due ) Using automatic bill pay I sent two checks on XX/XX/18 and XX/XX/18 to Chase Auto Finance in the amount of {$2600.00} each, this payment was sent by mistake and was not intended for Chase Auto Finance. 
Realizing my mistake I called Chase Auto finance on second week of XX/XX/XXXX and I was assured that checks will not be cashed and will be sent back within 10 business day since my auto loan ( loan # XXXX ) at Chase Auto Finance was closed several years back. While I was following up on weekly basis Chase deposits check on XX/XX/18 and XX/XX/18. So either the customer service representative was lying to me or the account department was lying to customer representative that they are reversing the posting and sending back the check. 
As of today XX/XX/2018 it's been more than 3 months, several follow up, fax message and faxing bank statement proof has not yielded any result. Every phone call they keep assuring that there is work order ( case # XXXX ( not sure if this is valid or a made up number by customer rep. ) ) and I will receive my check in 10 business day but Chase is not returning my check. How can chase post a check to closed account and hold it as their revenue isn't it against the accounting rule?
Product: Debt collection

XXXX XXXX XXXX XXXX and Alpine Credit have put a collection account onto my credit report. I called my insurance company to find out why I was being billed for this. They told me it was a duplicate charge and that I did not owe it. Ive disputed the charge several times and it comes back as a valid debt.
Product: Credit reporting or other personal consumer reports

They have no right to the debt because XXXX XXXX  is still claim ownership of this debt on my credit I can show proof they will need to send me a debt validation claim 15 usc 1692G full detailed list of the payment history on this account I wan na to see the original signature that I agreed to on the contract for this creditor Has there been any insurance claim found on this debt I also want to see the chain of title that you have to collect on this debt
Product: Checking or savings account

Dear CFPB, I hope this message finds you well, though I am writing under extremely distressing circumstances. I made a crucial deposit into my account, which represents the very XXXX  I rely on to buy and sell XXXX  XXXX  that has supported me and my child. Yet, despite my desperate need, the bank has failed to provide me with any response. 

As a single father, I have no other source of income. The money I am waiting for is everything I have to continue working and supporting my child. Every day that passes without this deposit is a day I am unable to work, a day that my childs needs go unmet. I rely on the profits from buying and selling cars to pay for my child 's bills, food, and necessities. Without this money, my entire family is at risk. 

To make matters worse, I lost my fanny pack on XXXX, which contained my passport, my card, and an agenda with vital personal information. I am devastated by this loss, which has only compounded the financial strain I am already under. I can provide proof that I was at XXXX XXXX  on the XXXX  of the XXXX at XXXX XXXXXXXX  and that my lost device was returned to me on the XXXX after it was found along with my bag. 

This situation has left me in an incredibly vulnerable position, and I am begging for your urgent intervention. I have attached all the necessary information to support my case, and I plead with you to resolve this matter as soon as possible. I can not afford any more delays. 

Thank you so much for your attention to this pressing issue. I truly appreciate your prompt response during this incredibly difficult time. 
The dispute numbers the bank has given me are XXXX, XXXX, XXXX, and XXXX. My account number is XXXX. 

This is an absolute nightmare for me. Every moment that passes without resolution feels like another blow to my already fragile situation. I am struggling, desperate for help, and I need these issues to be resolved immediately. My entire livelihood depends on it. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cashapp ( Block Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Cashapp allowed fraud to happen on my account a numerous amount of times and when asked for clarification, there is no communication. In regards to Cashapp miss handling my information, this has a caused frequent financial issues. Unknown credit problems and unknown debt. Cashapp also failed to follow Regulation E under the Electric Fund Transfer Act.
Product: Credit reporting or other personal consumer reports

Subject : Notification of Data Breach Involving Personal Information Hello, I am writing to inform you that my personal information was recently exposed in a data breach. This incident has raised significant concerns regarding the security of my sensitive data, including my name, email address, and potentially other identifying details. 

I would appreciate any guidance on the next steps I should take to mitigate potential risks associated with this breach, including recommendations for monitoring my accounts and protecting my information moving forward. 

Thank you for your attention to this serious matter. 

Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CARD - incorrectly reporting as : Payment after charge off/collection Purchased by another lender. This was paid in full in XXXX of 2021, and I have made multiple written requests for evidence of the charge off/pay history for which there has been no response for more than 60 days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

^^^^^^Dear governor, my name is **XXXX XXXX**. I have been trying to complaint about some error that exist in my credit report over the last year but none of my afford has worked. There are some of employment information and addresses that are not belong to me or our association. These error can cause bad effect in our credit report which really shouldn't happen in this harvest time. Our family barely suffer throughout the XXXX dynamic. Here are the employment information and addresses that need to be removed off my credit report : ************ ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ *EMPLOYMENT INFO XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX MICHIGAN XXXX XXXX XXXX, IL XXXX
Product: Credit card or prepaid card

The Company closed my account due to " inactivity ''. 
Permission and/or consent to close the account ; to make a report to the XXXX. 's about my consumer transaction account history was never granted by me. In turn, they are testifying false and misleading formation. I seek all damages and remedies applicable to this isssue.
Product: Credit card

I asked for a return on a mistaken payment. I called customer service every day the following week ( Tuesday - Friday, also Sunday and the following Monday ) to Bank of America to inquire about the said return. I got different answers about when to expect the return. Some reps told me 2-5 business days 1 rep told me 7-10 business days. XXXX wanted to help me, other than tell me to wait and call back if it still has not been returned. After the given period of 2-5 business days I called and the rep said she would escalate it, trace where the money is and credit me XXXX . When i checked 2 days later, i was told there was no credit of XXXX $ and a rep did not have the authority to do so. Also there was nothing else done besides a " small investigation '' into where my money was. Which another rep told me was just to notify me when the money ends up in my checking account. So basically after calling for 7 straight business days noone did anything to help me. I still do n't have my return. And I am told to continue to wait and if it 's still not in my account after 10 business days then call back. Who knows what they will tell me then, but I am relying on the word of customer service reps who have continually lied to me after 7 days of calls. Seems like noone there is willing to 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 was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek redress for these actions.
Product: Credit reporting or other personal consumer reports

THOSE ACCOUNTS ARE NOT MINE ; I AM A VICTIM OF IDENTITY THEFT Fraudulent Company or Organization : XXXX XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$640.00} Company or Organization : XXXX XXXX XXXX Date fraud beganXXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$650.00}
Product: Credit reporting or other personal consumer reports

Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Auto Financing Companies XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company clearly show that they purchased information from another company and made it seem as if I recently was in default of payment. Company insists that these are accurate information. There is no signature or verbal contract with these third party companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE MY CREDIT REPORT AND I SEE SO MANY FRAUDULENT ACCOUNTS. I HAVE NO IDEA HOW THIS STFF GOT ON MY CREDIT REPORT, BUT ITS HOLDING MY CREDIT DOWN. I NEED THESE ACCOUNTS INVESTIAGTED AND REMOVED FROM MY CREDIT PROFILE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account with Mercedes Benz Financial as a chargeoff/current debt when my debt balance is now XXXX with XXXX owed. The balance is approximately {$6000.00}. XXXX is refusing to manually check the records of Mercedes Benz to confirm that the debt is at a XXXX balance. Mercedes Benz is lying about me having a debt owed with them and their internal records needs to be checked.
Product: Credit card or prepaid card

CFPB I am writing again do to Elain Financial Services none compliance with the Fair Credit Reporting Act and violation of the FCRA after I have provided them with as requested supporting documentation multiple times for a error with my XXXX payment. Elain Financial Services has fail to remove inaccurate information on my account for the XXXX due to and error in the system not caused by me. I am not sure how this error happened or occurred. Its not right or fair that I continue to be penalized for this error that has occurred on my account. I have provided as requested by Elain Financial Services proof of my Citizens Bank Checking account statements clearly showing payments made and received on time to Elain Financial Services for XXXX, 2020. Elain Financial Services stated in their response to me that my payment was returned from Citizens Bank CFPB I have provided supporting Citizens Bank statements clearly showing payment made and received on time to Elain Financial Services for XXXX. CFPB please note that my Citizens Bank statements clearly dont show any returned payments to Elain Financial Services for XXXX. For this dispute I have provided additional to Elain Financial Services from the same Citizens Bank account for XXXX, 2020 to show that their was not returned payment to Elain Financial Services for XXXX. CFPB please also note the balance for XXXX in my Citizens Bank checking account for XXXX, 2020 which I have highlighted and circle {$12000.00} and a balance of {$14000.00} for the month of XXXX. As you can see there was more than sufficient funds in my Citizens Bank to cover my payments to ensure no payments returned to Elain Financial Services for XXXX. Again this was and error in the system and should be corrected immediately. 

CFPB this not right or fair that I continue to be penalize for and error that I dont cause, its also not right that Elain Financial Services continue to not correct this error. I have been a happy customer with Elain Financial Services for over seven years and have never missed a payment with this account.
Product: Vehicle loan or lease

I bought a new XXXX XXXX in XX/XX/2016, the apr was very high at 17 % financed by XXXX XXXX XXXX. I received a flyer on the mail from ilendingdirect with a refinancing offer and I called them. On the phone, I talked with some representative like 2 weeks ago, and he offered me very attractive numbers, like an APR of 6 %, a reduced payoff balance from XXXX to around 11k, a new monthly payment of {$310.00} ( compared with {$390.00} i was paying ) and the same remaining period that is from 36 to 39 months. I verbally agreed with these offers from ilendingdirect. Immediately after that, this man sent me electronic documents to sign and, without give time to read, he made sign and write down my initials on the parts he pointed me to do so. I was told that my new financial institution would be XXXX. 
After a few days I called XXXX And asked about my loan refinance status. 
They identified my loan, but they told me a totally different numbers. the new payoff balance raised up from XXXX to more than 14k, the new period of time from 36 to 54 months, the only true thing he said was the monthly payment ( {$310.00} ). 
I called ilendingdirect direct to complain, and the same man told me that I dont understand mathematics and even told me that i dont understand English. After these insults, i asked him to please cancel all this operation because I never agreed with something like that, and he said No because it has already been processed. 
I dont really make too much money in my job, and I was looking for some reduction help from 17 % APR to something better, I never thought i would ended up paying more money. I better stay the way my loan was before. 
They told me lies on the phone and made sign a different thing. 
I fell scammed and Im looking for help.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX, I obtained a line of credit in the amount of {$2900.00} from Credit Fresh through their website. My husband had passed away 10 days prior, and I did not understand the this company would make a draw on each and every payday ( I get paid every other Thursday ). 
To date, I have paid {$1400.00}, and my balance is still {$2800.00}. In other words, my balance has only decreased by {$170.00}, despite the amount I have paid ( {$1400.00} ). 
Payments : XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$140.00} TOTAL {$1400.00} I feel that the " billing cycle charge, '' charged every other week as opposed to monthly, is exorbitant and predatory. The charges will never allow me to get this account paid off. The amounts reflected that have been paid versus what has actually been credited to lower my balance are unconscionable. Please investigate so that other consumers are not put in a similar position. 
Thank you.