23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I made a single person is using the credit card for {$400.00}. I immediately made a payment of {$400.00} and when I noticed that I was {$4.00} short I sent a secondary payment of {$4.00}. The company refused to accept and post the payment of {$4.00} and for the past 12 months have continued to add interest charges. I have contacted this company many times and requested them to process my payment of {$4.00} and investigate where my check for {$4.00} is at because it was never returned back to me so that means the company has the check The check was never processed through my bank. However, it was mailed by me to the same address that I mailed the {$400.00} payment which was received and processed through my bank. On several occasions over the past year I have reached out to your car and made them aware of this and as opposed to them corresponding to me, I only would receive a bill in the mail and not have them address my specific concerns the last person that I spoke to was agent ID XXXX and his name is XXXX. He advised that he would email me on XX/XX/2023 and process the payment of {$4.00} and remove all interest charges. Agent XXXX never emailed me and my attempts to resolve this matter and pay the {$4.00} a second time has falling on deaf ears yard card is acting on unfair business practices as opposed to them addressing my concern and processing my {$4.00} payment. They are continuing to delay by not responding directly to me regarding my request so that interest charges can continue to accrue each month I have made 18 attempts to resolve this issue in a years time and instead of them responding back to me they are continuing to mail me a new statement with increasing interest charges monthly. I advise the yard card on XX/XX/2023 that if they did not respond back to me by email as they had promised and process the payment for {$4.00}. I will be contacting the CFPB. I spoke with XXXX on a recorded line and advised him that I would request the CFPB and his superiors to pull that phone call and listen in totality to our communications, he has yet to follow up with me by email as promised or by mail as of this date XX/XX/2023.
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 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: Money transfer, virtual currency, or money service

They said they were holding my money for 180 days which is illegal as PayPay is currently being sued for this criminal behavior I asked for the money to be returned they failed to give me the reaming balance of {$24.00} They have frozen my funds and told me I can no longer use there services and I have no problem with that however you have no authority to hold my funds. Transfer my money or I will need to contact the Attorney General 's Office and log a complaint and I will go further if you decline to give me my money. 

Thanks XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2. IT ALSO STATES THAT CONSUMER REPORT AGIENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15 USC 1666 B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE. 

CREDITOR XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I first contacted Plusfour Inc Collection agency to dispute errors on my credit report I did so in writing I was advise to send these letters by certified mail as proof of receipt. To my surprise the letter was returned stamped ( refused ). I then sent a second letter XX/XX/XXXX it was also refused. Both letters for two different amounts {$340.00} and {$230.00} Were returned. I sent additional letters to the P.O. Box and or the physical address provided on the credit report they were returned. I finally sent a letter to them by regular mail letting them know they were now in violation of the FDCPA law. { 807 } and { 15USC 1962a } and that I will now be taking them to small claims court. They were also made aware of their failure to add the clause ( in dispute by customer ) within 30 days. In the proof file of documents you can see this was not recorded until XX/XX/XXXX on just one debt but nothing on the other {$340.00}. Plusfour did respond after more then 40 days of trying to contact them and again only sent information for the one debt but no verification just a print out of a bill and nothing for the other debt in question. This has been very frustrating I have also been denied credit because of their lack of communication which has effected my livelihood.
Product: Mortgage

Huntington Bank understated the amount that would be credited to my account as a finance charge during the closing process. I was required to pay {$470.00} more than was agreed upon. They have refused to treat this as an overpayment, applying it to the principal at the time of payment, but instead have sent a check with a small amount of interest for the error on their part. 

I contacted them to correct this error, they refused to fix it. 
I asked for mediation, they refused this. 
I tried to mediate the issue through the XXXX XXXX XXXX, they refused. 
I tried to file in small claims court over the amount and they have now removed the case to general civil court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. I filed a identity theft report theft.gov with the following account and XXXX is not removing it from my credit file. Ive been fighting many times with XXXX and its causing me to want to take legal action. 15 USC 1681 section 602A states I have the right to privacy 15USC STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT Without my written instructions. I did not open a XXXX account under my name and this causing me a lot of bad credit remarks for a new home. Please help me and remove this from my credit report
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX XXXX, someone remotely created a check for my business account at US Bank. I discovered the check the last week of XXXX, with the amount of {$4900.00}. I called the bank, and they said to come in the office to make a claim. I went to the bank office to make a report, in the XXXX week of XXXX, and they opened a claim. After many calls to the fraud department and many visits to the local office, they said the case was denied because I have only XXXX days to fill out the complaint. This is unfair because they never said this in the beginning, and never sent documentation of the official status of the case. Each time that I contacted the US Bank personnel, they gave me different information, directions, and requests with each call. I was even told by bank personnel that the money will be deposited back into the account. Then I did not see the deposit, so I called again and was told I need to send more paperwork to continue the investigation and close the compromised account. I have the original check in my hands, and you can easily notice the difference between the fake and the original. I do not know how US Bank could pay without any issues. They denied the case almost XXXX months after I started the fraud complaint process. I don't know how to recover the money, it was totally unfair the way the bank handled the situation, and time that I have spent talking with the personnel, and trips to the local office. I would not refer any small business to work with US Bank with these types of policies, and unfair practices.
Product: Credit card

I received a XXXX form from Chase and they will not update my balance to zero. I have attached a copy of the form with this complaint. I received a reply from XXXX, and they wo n't correct.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : 1st XXXX XXXX ( account number XXXX ).
Product: Money transfer, virtual currency, or money service

I have been creating support tickets for more than one month and have sent countless emails, My robinhood account has been restricted for while as I have been temporarily out of the country but i had moved back and attached the proofs that i have sent them countless mails. Because of this i am not able to buy new securities which potentially lost me a lot of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. INQUIRIES l MADE ARE UNAUTHORIZED AND DEMAND TO BE DELETED OFF FILE AND HISTORY AS MY PERSONAL INFORMATION HAS BEEN LEAKED FROM MULTIPLE DATA BREACH INCIDENTS .I HAVE ATTACHED A CLAIM REPORTED TO FEDERAL ENFORCEMENT ON BEHALF OF MY PERSONAL CHECKING ACCOUNT FOR STOLEN IDENTITY ,FRAUD DUE TO THE DATA BREACHES I HAVE BEEN VICTIM TO
Product: Money transfer, virtual currency, or money service

I was working with a private contractor for some home renovations. I received an email from the contractor asking for the down payment to be sent via Venmo. I opened the Venmo account and sent a total of {$4900.00} to the account requested. The first payment of {$2500.00} was sent on XX/XX/21 and {$2400.00} was sent on XX/XX/21. On XX/XX/21 I found out via a phone call from my contractor that his email had been hacked and I was receiving messages from the hacker and not from him. I contacted Venmo and they suggested that I reach out via the account and request the money back. Of course this did not work. They also recommended that I file a report with my local police department and have them contact Venmo and that they would cooperate with a police investigation. On XX/XX/21 I filed the report of theft with the PD. To date neither the police department or me have had any cooperation from Venmo. There has to be a way that Venmo has information on this fraudulent account and who holds it. They should at least be cooperating with the police on this matter.
Product: Credit card or prepaid card

XX/XX/XXXX-18 Attempted on-line purchase of a dietary supplement ; vendor response : order not completed, try later. Subsequent confirmation ( {$89.00} ) to which I responded " Do not send. '' Product received. I initiated a dispute with PayPal, requesting the {$11.00} shipping be refunded in addition to the product refund. XXXX18 acknowledgment of receipt of case XXXX. I responded with submitting a UPS receipt superimposed on XXXX XXXX dated XXXX-18 that was rejected ; case decided against me. I requested the case re-opened, received confirmation of initiating a dispute XX/XX/XXXX-18. I submitted the XXXX confirmation of receipt, vendor order, and PP confirmation to what I learned is a separate non-communicating entity of PP that reimburses shipping on XX/XX/XXXX-18. Shipping reimbursement confirmation received XX/XX/XXXX-18.  The case was not re-opened, and PP is demanding I pay {$78.00} or the " debt '' will be sent to collections. Clearly, if I am reimbursed for return shipment, I sent the product back. The resolutions agent I spoke with suggested I go to XXXX where the charge had been placed originally ; the XXXX charge, however, was cancelled. It is PayPal I must deal with. I can not even re-send my receipts to them. Impossible, non communicating, arbitrary company.
Product: Student loan

I have historically paid my bill late, due to not having the money to pay by the XXXX of the month. However, I have always paid my bill, each month. On their website in the statement section, it lists " due now '' in bright green, also it lists late fees separate from the due now amount for some reason, which is very confusing. But regardless, I have always paid, both the due now and fees amount. I would have followed my statements, but stopped trusting that the information was accurate when I received a statement in XX/XX/XXXX indicating that my account was 540 days past due, then another in XX/XX/XXXX indicating my account was 1470 days past due, which is obviously impossible. However, in XX/XX/XXXX, I paid my bill on XX/XX/XXXX, which was indeed 30 days late. They reported me as being sent to collections on XX/XX/XXXX as being 55 days past due. I received notices that I was past due of course, I knew I was, but nothing saying that I was being sent to collections for being 26 days past due. When I spoke to them on the phone, they told me that if you do n't pay on the due date, additional interest accrues, however, this is not indicated online in anyway. If I knew this was the case, I would have paid the amount. Additionally, when exchanging email correspondence, with XXXX XXXX, I called the number included in her email. The number turned out to direct me towards a scam which was trying to extract credit card information from me. I have spoken to multiple people on the phone and via email and no one can seem to give me a clear answer about how or why I was sent to collections, considering I was paying my bill every month.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding two inaccurate items on my credit report that continues to negatively impact my credit. Despite my many efforts to resolve this directly with the reporting agency, it remains unresolved. I have disputed both accounts several times ( XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> ) with Experian leaving the inaccurate and incomplete files on my credit report. 

In my most recent dispute ( XX/XX/year> ) I sent a physical correspondence begging the bureau to please reinvestigate because the accounts are still reporting with several inaccuracies which is a violation of the FCRA : less then 48 hours, Experian alerted me that both accounts would remain on my credit report ( no investigation methods and no results posted! ). The exact verbiage was : This INCORRECT account with XXXX has not been changed and will remain on your credit report. 

I called the dispute department immediately after, on XX/XX/XXXX at XXXX pm and I spoke to a representative named XXXX for fifty-nine minutes ( RECORDED CALL ) : the representative was unable to find any results for the current dispute and or why the account remained. The representative then told me that I should just contact the creditor as they are the ones who keep sending in this incorrect information I followed up with an ending question : " ... so it is your job as the CRA to report complete and accurate information and you are WILLINGLY reporting these accounts inaccurately? ". 

Experian ensured me that they would reach out to the furnisher and verify all information but they have failed me as a company and violated my consumer rights. Their negligence has cost me many opportunities. The furnisher clearly is not reliable and they have yet to conduct a thorough and complete investigation. 

I have attached several photos of the same response/result that I have consistently received after every dispute as well as a timeline and certified mail receipts. I also attached both accounts reporting status currently with several inaccuracies circled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my report that I do not recognize
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2022, but I never received a response. under Section XXXX ( a ) ( XXXX ) ( A ) Disclosures to consumers [ XXXX U.S.C. XXXX ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXX XXXX ( a ) ( XXXX ) ( XXXX ) Procedure in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the following Items removed now! 

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

Mailed in documentation to have Hard inquires unrelated to open accounts removed from report, Student loans are in violation of Discharged and to have the XXXX XXXX XXXX account blocked/delete from my credit report. 
In violation of State and Federal law. 

Mailing receipt : XXXX XXXX
Product: Credit reporting or other personal consumer reports

i wrote to the creditor kickoff lending aside from contacting them via telephone andaccording to the Fair Credit Reporting Act 15 USC 1681 section 602 a states is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Mortgage

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Checking or savings account

On Friday XX/XX/XXXX I received a direct deposit from my employer into my Marcus by Goldman Sachs savings account. On Monday 12/23 I submitted a transfer request to move cash from the Marcus savings account to my XXXX savings account. My transfer request was originally accepted, but then Marcus froze my account and reversed the transfer. I called Marcus customer service number on Monday to unfreeze my account but Marcus refused to explain why my account was frozen or provide me a timeline for when it would be unfrozen. All Marcus said is that they would call me back. 4 days later, my account is still frozen and I had not received a call back from Marcus. I called customer service again today and got the same useless responses and refusal to answer questions or unfreeze my account. This is insane! I cant access my money that I need to pay my bills. It seems like Marcus is just mad that I wanted to transfer the funds to a competitor bank ( XXXX ). I asked to talk to the supervisor at Marcus and I was told that no one that is customer facing could share information regarding when my account will be unfrozen. I will never trust Marcus or Goldman Sachs with my money again!
Product: Student loan

Received loans to attend XXXX XXXX. The school is part of the Sweet v Cardona settlement, however because my loans were consolidated and moved to fell loans, I'm no longer eligible for refund. These loans were determined to be predatory loans, but because they weren't federal direct loans, I'm not eligible for refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote a letter certified mail # to Equifax   ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.