23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/22 at XXXX I received a text message to my phone from this number ( XXXX ) XXXX. The text message read, " BANK OF AMERICA FRAUD EARLY WARNING : Did you attempt {$200.00} ( declined ). at XXXX, XXXX, FL if valid reply YES, if fraud NO. To Opt Out, STOP. '' I replied NO to the text. Immediately after I received multiple phone calls from the number ( XXXX ) XXXX. I declined two times, because it seemed suspicious and then they called again and was worried I was missing an important call from Bank of America. I answered the third time and a man on the line claimed he worked for BOA XXXX XXXX. He gave his name, BOA ID number and the location where he was calling from. I should mention the week prior I had fraudulent charges to XXXX made from my debit card. This all happened the day the I got my new debit card in the mail so I was very nervous that my card information or account information was leaked which is also why I felt the need to answer the call and get this taken care of. The man who called me claiming to be from BOA spoke to me about the XXXX charge and told me it was declined, he then asked if I was recently trying to make XXXX transfer to someone named XXXX XXXX for {$2200.00} I said absolutely not. He told me that the XXXX transaction was already in process and approved, but that he could get the transaction reversed for me. I said of course and assumed he was helping me. He told me he was in communication with the XXXX fraud line at the same time he was helping me out. He asked me to read off the codes that were sent to my phone from BOA and that's how I assume he was able to log into my account. The codes were sent from the number : XXXX. At the end of the conversation he told me he filed a claim with the XXXX XXXX department and to change my BOA account password. He also told me the money would come out of my checking account balance, but not to worry as it would be sent back as soon as the claim was approved by XXXX. I changed my account password and user ID. I then logged in the next day and saw the money was out of the account. Under my recent transactions was a XXXX money transfer to a man named, XXXX XXXX. It included his E-mail which is XXXX and it also included a confirmation number : XXXX. I decided to the call the BOA number on the back of my debit card to check on the claim status and that's when I was told by an actual BOA employee that a file was never claimed and the phone call was a scam. I then filed a real fraud XXXX claim with BOA. I was told it could take up to 45 days to reach a decision about whether I will receive the funds back into my account. I am extremely upset by this as this was done right before XXXX and I am currently 8 months pregnant and about to start maternity leave. I was saving that money for when I am out of work. The man never asked me to XXXX himself or any company so it didn't seem like a scam to me and I was already nervous because of the fraudulent activity that happened with my debit card a week prior. I assumed he was getting the money back that I thought I already lost.
Product: Credit reporting or other personal consumer reports

EQUIFAX HAS FAILED TO REMOVE THE 60 DAY LATE FROM MY CREDIT REPORT. 
XXXX HAS FAILED TO REMOVE THE 60 DAY LATE FROM MY EQUIFAX REPORT. 
EQUIFAX AND XXXX HAS CAUSED ME SERVERE DAMAGE TO MY REPORT BY REPORTING LATE PAYMENTS DUE TO UNAUTHORIZED CHARGES. XXXX AKA XXXX XXXX IS AWARE THAT I DID NOT MAKE CHARGES TO MY CREDIT CARD HENCE WHY I NEVER MADE A PAYMENT. XXXX CONTINUED TO REPORT THE LATE PAYMENT EVEN WITH DOCUMENTATION TO EQUIFAX AND MULTIPLE PHONE CALLS TO XXXX EXEC. OFFICE EXPRESSING MY CONCERN. EQUIFAX HAS ONE 60 DAY LATE PAYMENT ON MY CREDIT REPORT. EQUIFAX IS THE ONLY BUREAU REPROTING THIS INACCURATE INFORMATION DESPITE DISPUTING WITH THIS BURESU NUMEROUS TIMES. I WILL SEAK LEGAL ACTION DUE TO THE DISSTRESS OF THE INACCURATE INFORMATION. EQUIFAX HAS EXPOSED MY INFORMATION IN A DATA BREACH. THIS HAS LEAD TO UNARTHOIZED CHARGES ON MY CREDIT CARD,
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

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 tal timely and effective measures to prevent al address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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: Credit reporting or other personal consumer reports

I worked with XXXX XXXX XXXX ( XXXX XXXX ) to settle a XXXX debt. They where helpful and allowed for me to settle the debt with a payment plan. I completed the payment plan and settled the debt in full by XXXX XXXX XXXX 

The collections account no longer shows on XXXX or XXXX. However, it still remains on XXXX. 

I disputed the account twice as it was still showing as XXXX and XXXX. This is causing red flags with my bank as I am trying to purchase a home. 

After disputing this account and attaching information such as a letter directly from the collections agency showing that the debt is settled in full, the results still came back as Accurate and No Change Needed. 

I worked with CONRAD this week to see if there is anything else they can do for me. They offered to go on a conference call with XXXX and shared an XXXX number. 

I called XXXX again to inquire about the options and let them know that CONRAD Collections XXXX. They where able to send another update to XXXX in hope that it would help, but it had not. CONRAD is just as confused as to where the glitch may be that is still causing this misrepresentation of my account. 

I called XXXX and they said the only thing that I can do now is file a complaint with CFPB. 

I am looking for assistance as I am in the process of purchasing a home, please. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX/XXXX
Product: Money transfer, virtual currency, or money service

I held Bitcoin at Gemini. Gemini credited me with the Bitcoin ABC from the fork, but never credited me with the Bitcoin SV. The founders feel that Bitcoin SV is not a very good coin, therefore I should not be able to redeem my {$400.00} in Bitcoin SV. I do not think their ideology matters - if a stock splits into two different companies and my broker doesn't like one of them, what right do they to decide that I only get one of the stocks? Gemini 's actions are clearly fraudulent and unless they are willing to credit me with my money the only reasonable result is a class action lawsuit for all of the users that have lost money because of the founders ' ideologies. 

I previously complained to the company and regulators. As a result, on XX/XX/2019 I received an email notifying me that they were closing my account. 

Gemini stole from me and many of their users. I spoke up and they banned me.
Product: Credit card or prepaid card

A merchant, XXXX issued a credit of {$34.00} to my Discover card XXXX on XX/XX/21. I received an email confirmation from XXXX of this transaction on XX/XX/21. XXXX XXXX is a closed account, so Discover has to transfer the credit to my current account, but is unwilling to do it. 
I made two formal complaints with CFPB XX/XX/21 and XX/XX/21 regarding this issue. Discover 's response to the first complaint was that they didn't have a record of my having card XXXX, so they couldn't return my money. Discover 's response to the second complaint is that they do have a record of card XXXX, but there is no credit of {$34.00}. 
I have confirmed with XXXX on two different occasions, XX/XX/21 and XX/XX/21 that the credit was issued to Discover card XXXX since XX/XX/21, so it does not make sense that Discover does not have the credit. 
Discover 's policy is that they transfer credit from closed accounts to current account within 72 hours. This has not been my experience with Discover. They have never transferred credit from a closed account to a new account within 72 hours. I have always had to call in to initiate the transfer process after waiting for a month without any action from them. If I didn't call, I would not have received the credit. 
Discover continues with this deceptive practice to avoid crediting consumer 's account. 
My credit has been with Discover for two months and it still has not been transferred. I called the merchant twice regarding this matter, each time they confirmed the credit was issued to card XXXX on XX/XX/21. This leads me to question Discover 's conclusion that they don't have the credit in their system. In addition, I wonder if Discover ever called XXXX during their investigation.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Today, I noticed that my credit report contained incorrect accounts, and I have no explanation for how they appeared. I review my report regularly, but this time, there were unexplained discrepancies. I attempted to refresh my browser, assuming it could be a glitch, but nothing changed. Because of this, I am asking for a detailed review of the documents I have submitted so I can put this issue to rest.
Product: Vehicle loan or lease

I obtained a used car loan from TD Bank with and they had my address incorrect for the first 3 months of my loan period. I called numerous times, tried to set up auto pay and I paid {$1200.00} last month. My payment of only {$590.00} and somehow I was charged another {$57.00} in late charges? I am only on my 6th payment and I am fairly certain I have been charged the same fee EVERY TIME. I called on a Saturday ( my day off ) and begged! to speak with a Supervisor because I have a 100 % on time payment history and work with everyone I have debt with to pay on time so this is no different except they will not take responsibility for dropping the ball. I'm looking at my statement and none of it makes sense. The statement date is XX/XX/XXXX but my payment is due XX/XX/XXXX. The statement doesn't tell me my interest rate, why or when the fee was charged or what the billing cycle even is. How have statements evolved to provide NO IMPORTANT information. The statement date is the XX/XX/XXXX but I got it today, XX/XX/XXXX which gives me 12 days to make a payment or get charged 10 % as a late fee?? I demand all of the fees be credited to my loan because I asked for a supervisor to call MONTHS ago and no call. I have no way of resolving this if the person I am talking to has no authority and nobody follows up with you forcing you to CALL AGAIN. I told her there is no difference to me to pay on XXXX or any other day of the month so why would I take a late fee. I am barely scraping by because I have made no money this year so why would I pay 10 % fees on loan I was told I can't refinance even though the rate on this loan is 7 %! They say they are about customer service but I have gotten no help, empathy or support while I try to resolve this. Again, I pad {$1200.00} on XX/XX/XXXX and the current amount due dated XX/XX/XXXX should a assessed late charge. I've basically paid {$360.00} EXTRA in fees. They don't even tell you how much you pay in interest.
Product: Credit reporting or other personal consumer reports

This account has been investigated numerous of times through direct dispute with XXXX and TRANSUNION as well as CFPB Complaints ( XXXX, XXXX, and XXXX ) but inaccurate information remains on the account despite the fact that consumer is entitled to a fair and thorough investigation to provide accurate information as required under FCRA. Since this has not happened and has violated consumer 's right to privacy and accurate credit report, consumer demands that the account be deleted from credit report. The inaccurate information is coming from one company, XXXX. Payment history reported by XXXX is inaccurate and payment history is totally omitted from Transunion. Moreover, activity dates also conflict between XXXX and Transunion and XXXX which is being reported from one company furthermore highlights the inaccuracy issue which violates consumer rights. 

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

*self financial lead bank* In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written authorization. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Product: Credit card or prepaid card

I purchased a rifle scope online in XX/XX/XXXX. The merchant shipped me the wrong scope. The scope I received was worth much less than the {$1600.00} scope that I ordered. The merchant denied responsibility. 

I disputed the charge with my credit card provider, Citibank. During the dispute process they provided incorrect information that caused the dispute to run past timeframe. A Citibank Customerservice representative provided this incorrect information to me via customer service chat box. There is a record of this but Citibank refuses to release the chat log without a subpoena. A representative advised me not to obtain a third party opinion letter on XX/XX/XXXX. A week later I was advised to provide the letter. I promptly obtained the letter and sent it in to Citibank electronically on XX/XX/XXXX.

Citibank would not continue with the dispute in XX/XX/XXXX because the deadline for dispute supposedly passed on XX/XX/XXXX. I believe my dispute rights were violated because Citibank could have continued the dispute past the timeframe with a reasonable chance of success. I called in numerous times asking them to pursue the case, and they ultimately closed my account and stopped accepting my calls. 

I had my full credit card account balance paid for other than the {$1600.00} charge. I was able to get a credit of {$400.00} from Citibank as a courtesy. The remaining balance of {$1200.00} ultimately reached {$1500.00} as missed payments and late fees kept rolling in during the months I spent trying to get Citibank to remove the charge. Citibank has also harassed me with collection attempts via phone and mail. They ultimately charged off my account as bad debt. The account has recently been sent into collections. I believe their actions are illegal and have damaged my credit severely for the past 2 years.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed that two payments were made on my Amazon synchrony bank card. I called synchrony bank and asked if I could be refunded one of the payments I made. I was told from synchrony bank that its a credit on my account and it would take over 30 days for me to receive a check, I told the rep that I would make a report with my bank that it was not a authorized transaction. I went to my bank and made a report but I was told because it was an ACH transfer, I will have to go back to synchrony bank. the next day I called synchrony bank and requested a check. I was told by the rep that it will take 7 to 14 days not 30 days to receive a check. I verified my address with the rep, to ensure i will receive my check. that following Monday XXXX XXXX sent me a email saying they were able to get one of the payments I made back from synchrony bank. I then tried calling synchrony bank two times I was told on the phone by the rep that they were unable to hear me. I than used their online chat option. I was told by the rep that he will resolve getting my check not issued. I noticed the next following week that I got a letter from synchrony bank saying that my transaction was reversed. When I looked at my account I noticed it was {$230.00} the check that I requested for them to stop they decided to still send so now I called the rep and ask for a stop payment on the check and for my payment to be applied back to my account I was told from the rep that they were unable to do that. I was able to get a hold of a manager and was told by the manager that she put a stop payment on the check and I would be refunded in seven days I notice that on XX/XX/XXXX that I had received the check from synchrony bank. I called the rep and ask for my payment to be applied back to my account, but I was told by the rep that my payment would not be able to be applied to my account because she could not stop the check i told the rep the Check was already stopped from a manager and I was left on hold when she came back she told me she put a stop payment on the check and that it would take 30 to 60 days for me to get my refund. I told the rep again a stop payment was already put on the check from the manager and that it would take up to a week for me to receive my money. I ask the rep to transfer me to a manager. I was transferred to a manager and was told that stop payment was put on the check and that it would take 14 days for me to receive my refund. Ive talked to five reps and two managers and each one is telling me a different story I would like my payment to be applied back to my account because the check is destroyed and stop payment is placed on the check Im getting different responses, and I am left unsatisfied
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Current regarding a disputed charge on my Credit Builder Card account. I was overcharged on my card, and despite filing a dispute, Current declined it without conducting a proper investigation.

Now, Current is reporting the unresolved charge on my credit report, stating that my account balance is late, which has resulted in incorrect late payments being reflected on my credit report.

I am requesting the Consumer Complaint Protection Service ( CCPS ) to intervene and assist in reopening this dispute with Current and ensuring the erroneous late payments are removed from my credit report. 

Thank you for your assistance.