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

On XXXX XXXX/XXXX/XXXX at XXXX a.m. I and my XXXX yr old mother tried to deposit a XXXX XXXX XXXX check for XXXX} to Chase Bank. She at the time had over XXXX in the checking account and we wanted to get some cash but were told the check was no good and they stamped on the back of this check " XXXX XXXX '' JPMorgan Chase Bank. This branch is in XXXX at XXXX XXXX XXXX XXXX. We had made a special trip to the bank which made this very frustrating. Thanks.
Product: Debt collection

These student loan debts are very old debts. Was notified of these debts until I had been in the XXXX  for almost five years. Affecting my XXXX XXXX
Product: Credit card or prepaid card

I contacted Synchrony Bank regarding the absurd interest rate of 29.99 % currently being billed to my account. I have had this account for a few years now and this rate is insanely high. Their response to my request was that the rate was " non-negotiable '' based on their " system ''. I requested to speak to their underwriting department as this seems very out of place that an APR reduction can not be considered at all, especially given the current circumstances related to COVID-19. 

I feel this to be unfair treatment and borderline abusive that this is non-negotiable, as the account manager could not inform me as to what specifically is driving the system to deem this non-negotiable. 

This was an extremely negative experience and an interest rate of this amount is usury.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Debt collection

I've asked them to work with the total they said I owed. Which was way incorrect because I returned the cellular devices they are saying I owe for. My bill was current until I decided to port my numbers out and change over to a new cellular carrier.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Complaint about the negligence of the 3 Credit Bureaus and I alleged that they have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of accounts resulting in significant harm to my financial standing and reputation. I demand that they rectify this violations and provide me with accurate and updated credit report immediately. This is the inaccurate accounts that I want them to correct : XXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$33000.00} ; XXXX XXXX XXXX Balance Owed : {$33000.00}.
Product: Money transfer, virtual currency, or money service

I tried to withdraw XXXX USDT from my XXXX XXXX, on XX/XX/XXXX. I have never received that money since. XXXX base and crypto is a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached files. Dear CFPB. I have tried unsuccessfully with Equifax to get to report accounts that should be on my credit report. Their website, www.myequifax.com, is only reporting one account of which I was added as an authorized user ( XXXX XXXX ). All of my primary accounts are not reporting to this site. A couple of weeks ago I called them to have the address on my file updated to my current address as I have since moved from the address they initially had on file. I was advised to submit a dispute. I did so. They updated my address but in doing so they removed all of the accounts that were reporting to my credit report with the exception of one. Ive called them a few times since then and still these accounts are missing from my credit file. There are 6 accounts not reporting. I want these accounts added to my credit profile immediately.
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. Specially Cash App failed to timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

According to my PSLF and TEPSLF information that Mohela has, I was a Deputy District Attorney in XXXX XXXX, California from XX/XX/XXXX to XX/XX/XXXX. All monthly payments were made. Mohela is only counting back to XX/XX/XXXX and refuses to apply the previous decade of service. I have called them approximately 10 times over the past year. Ive been told its a system error, that they are still counting, and that I dont qualify with ZERO explanation. I have tried to write in a complaint to them but the webpage then directs you to call them. I have received form emails that explain nothing. I have recovered form emails saying that my problem is unique and I should call them. All emails to them result in form emails back. No one is helping. 

They list payments as qualifying only back to XX/XX/XXXX and do not apply the first decade of my service. There are no listed ineligible payments and they claim ALL eligible payments have been applied. They have my forms where the County signed off that I was, in fact, in public service for roughly 17 years. 

I have tried everything and they will not help. I appreciate you reading this and doing what you can. This should be a no-brainer as I am WAY over the 10 year requirement.
Product: Payday loan, title loan, or personal loan

Hello, I made the finally payment on my account and the company sent me the title for my vehicle. I check my credit report and it still states I owe the company {$160.00} and was last reported on XX/XX/2019. I paid my account to a XXXX balance. I contacted the company to try to resolve this issue and they stated they couldn't help me out.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed multiple billing errors on my credit report, showing late payments that don't match my usual history. Please fix these inaccuracies and update my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage performed a background check on me on XX/XX/2021 for employment screening purposes. A Felony & Misdemeanor Record Search produced a Petty Misdemeanor result for me, however, I've never been charged with any type of crime let alone this specific crime. I believe this petty misdemeanor was someone else with my exact name and date of birth. 

This misinformation has not held me back from employment, but I would prefer this not be tied to my name any longer. I have a common name so a more thorough search should be performed.
Product: Credit reporting, credit repair services, or other personal consumer reports

MISLEADING FALSE REPORTING
Product: Credit reporting, credit repair services, or other personal consumer reports

Both accounts are over the 7 year mark. They should not be reporting at all. I have written proof last payment was made over 7 years ago and these accounts are passed the 7 year mark and need to be removed. Please stop reporting old accounts and please remove asap. Thank you BOTH Accounts Below. 

account XXXX account XXXX
Product: Debt collection

I have requested XX/XX/18, and XX/XX/XXXX to get copies of documents to confirm to verify account. After speaking with XXXX on both days I was informed will get the file pulled. As of today XX/XX/18 I have spoken to Manager XXXX and again they will pull the file and give us a call. This account I was told was sold it was original Regional in the amount of {$610.00}. XXXX XXXX shows an amount of {$580.00}. Please assist with getting the required documents to confirm the account.
Product: Credit card or prepaid card

I have NEVER been so DISAPPOINTED with ANY COMPANY as I currently am with Barclays. 

On or around XX/XX/XXXX I requested a cash advance offer from Barclays for {$10000.00} with a ( 3 % ) {$300.00} service fee. On or around XX/XX/XXXX I then received a request from Barclays to call in about suspected fraud on my account and that all my cards were locked until I called in... all to be put through the very painful process of verifying via the phone tree and then in person, my identity and to confirm I had indeed requested the {$10000.00} advance Barclay 's offered me " for my protection '' which btw was/is a load of XXXX, its was for the bank 's protection, not at all for my protection. 

Now, here 's where it gets better ... Barclays then screws up the {$10000.00} advance and instead hits me with {$30000.00} in advances on my credit and {$900.00} in fees because I have ( 2 ) additional authorized users on my account. Mind you all the while Barclays only ever deposited {$10000.00} into my checking account. 

This then overdrew my available credit and forced me to close down ( thankfully ) another open Barclays card with a {$12000.00} credit limit, and I had and to shift that available credit limit over to BARELY cover BARCLAYS MISTAKE!!! 

On Mon XX/XX/XXXX I was told by Barclays " this will take 1-2 week to remedy ''. 

Then my credit cycle refreshed on XX/XX/XXXX, and my credit score has now taken a 45+ point nosedive because of BARCLAYS MISTAKE. 

Today ( 15 days later after being told XXXX weeks ) Tuesday XX/XX/XXXX when I called in to discuss why BARCLAYS MISTAKE hasn't been rectified I am now being told it will now take 1-2 BILLING CYCLES to fix. 

Lastly, XXXX currently has a promotion to obtain Base Points towards MOSAIC status, something I am about to lose, by spending {$15000.00} on my card from XX/XX/XXXX to XX/XX/XXXX... XXXXbut of course now, I can't do that, because BARCLAYS MISTAKE has not only crashed my credit rating, but additionally artificially hamstrung my available credit limit until close to XXXX. 

And I haven't had 1 person BARCLAYS who could make me feel comfortable that ANYTHING will be done to rectify BARCLAYS MISTAKE or make any minimal accommodations for what is just been an ABSOLUTELY AWFUL, WOEFUL, PITIFUL customer experience.
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate with my personal name and address on XXXX, transunion, & XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing inaccuracies for almost 12 months now and the credit reporting agency has been in violation of removing this inaccurate and incomplete information that has been giving me stress. This reporting must be removed via FCRA and I do feel like this is a form of racism and discrimination from the credit reporting agency.
Product: Checking or savings account

The  Wells Fargo Bank re peatedly place s 7 to 15  day hold when checks are deposited in the savings account by me or others. I believe in this day and age such lengthy hold only serve the purpose of the bank and are not warranted at all times.
Product: Student loan

I filed for a loan discharge due to school misconduct after filing a complaint with Navient before against The XXXX XXXX in which Navient provided me with a school misconduct application in connection with documentation provided following the The XXXX XXXX XXXX XXXX XXXX Department ) found that The XXXX XXXX and its parent company, XXXX XXXX XXXX ( XXXX ), made pervasive and substantial misrepresentations to prospective students about post graduation employment rates, salaries, and career services during that time. That application was submitted XX/XX/XXXX with all information regarding the case for the school misconduct was included in my application. On XX/XX/XXXX I received that my application was denied with no detailed explanation. I sent an email requesting an explanation for why my application was denied on XX/XX/XXXX and have heard nothing back in a week.
Product: Debt collection

My son had a XXXX that was covered under XXXX in Virginia ( XXXX ). There are two doctor visits on XX/XX/XXXX and XX/XX/XXXX that should have been covered under our policy. The doctor, accountant, and XXXX all confirmed it would be covered. Then the bills started coming. When I phoned and wrote letters with the full information - the bill was sent to a collection agency.
Product: Credit card or prepaid card

On XX/XX/XXXX, an unknown person applied for a credit card online. I was notified by XXXX and hopefully terminated the application. I was contacted by Target and they said the person had my info. They directed me this website.
Product: Credit card or prepaid card

I sent a dispute to Discover XX/XX/XXXX, with dispute number XXXX about services from a merchant. I had 30 days to submit documents, however, Discover closed the dispute case without even considering my documents. I called them on XX/XX/XXXX to reopen the dispute and they said they will not as this is a direct line of communication between them and merchant. They only considered the merchant 's response in completing investigation and refused to reopen investigation. Furthermore, XXXX, the supervisor I was speaking with stated she can not continue investigation because while I was not satisfied with the service and service was not as advertised on merchant 's website, I can't dispute that and they will take merchants side. However, on discover 's how to dispute credit card, it says directly that " Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasn't as advertised when you charged your card to pay for it? While you'll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I gave evidence to Discover that services are not as advertised and they said that they could not open the dispute because I can't dispute a charge if I wasn't satisfied with quality. However, on their dispute process, it clearly states that is one of the reasons to have a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... 
There 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. 
* 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

Account Name : XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : Transunion Account Name : XXXX Account # : XXXX Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account Name : XXXX Account # : Account type : Educational Balance : {$180000.00} Balance : {$40000.00} Balance : {$29000.00} Reporting Agency : XXXX Account XXXX : XXXX Account # : XXXX Account Type : Installment Balance : {$25000.00} Balance : {$13000.00} Status : Collection/Chargeoff Reporting Agency XXXX Transunion XXXX XXXX XXXX XXXX XXXX Agency XXXX Transunion and XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX : XXXX Bankruptcy XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Account Name : XXXX  Account type : Educational Balances : {$9300.00} Balances : {$10000.00} Balances : {$22000.00} Balances : {$50000.00} Balances : {$24000.00} Balances : {$12000.00} Balances : {$28000.00} Account Name : XXXX  Account Type : Real Estate Balance : {$350000.00} Reporting : 180 days late Reporting Agency : XXXX Name and Address are inaccurate : Also Known As : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
Product: Credit reporting or other personal consumer reports

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX in collections
Product: Money transfer, virtual currency, or money service

There claim going on XXXX now it XXXX and now have never received my fund yet and bank allowing people fraud my account
Product: Debt collection

I paid in full XXXX XXXX XXXX through agreement with XXXX XXXX, settled amount of {$1800.00} last payment made XX/XX/year>, began to receive mailing from Portfolio Recovery Associates , LLC shortly thereafter for payment amount {$2300.00}. I contacted them via phone to dispute, I was directed to file online and provided all payments made, including the letter from XXXX XXXX XXXX settled agreement amount {$1800.00} with proof of all payments made. I have continued to be harassed and have notified all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nexis Lexis has violated my rights under 15 usc 1681 ( a ) by going out and fishing for negative information about you is an infringement upon a consumers Right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ). 

Now here is the second one- 15 usc 1681b ( a ) ( 2 ) LexisNexis did not have a Permissible purpose nor did they have my written instruction.
Product: Credit card

XX/XX/year> -- Someone called me, claiming to be from CFPB, allegedly with regard to case # XXXX. This individual had far more knowledge of my social security number and credit card numbers than I am comfortable with an outsider knowing. Is this a legtimate call from your agency or some kind of scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

Had  XXXX  in  XXXX   XXXX .  Forgot to pay the bill for part of it. Never got called or anything. It went into Collections with Secured Resolutions LLC at some point. Never received a letter from them. Kept getting frequent calls from them i n  XXXX  and  XXXX  of  XXXX . When they finally left a message, I called back and was informed what the calls were about. They sent me an email rather than a physical letter. Once I reviewed my statements and confirmed I had not paid that bill, I went to Secured Resolutio ns LLC 's  website and paid the amount in full on  XXXX   XXXX ,  XXXX . This account is still showing as open on my credit report. I disputed it with   XXXX   and the company still insists it is open. I would like it show closed on my credit report as I have paid this in full.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received an email from PAYPAL informing me that my account I have with them is being " Limited ''. PayPal uses the term " limited '' to mean that sanctions are being placed on my account restricting me from withdrawing or transferring or paying with any funds from my account. In my case that amount is {$5200.00}. They asked me to provide them with my Drivers License and to explain the nature of approximately a dozen transactions -- Which I did immediately. On XX/XX/2020 PayPal emailed my that they are placing an indefinite hold on my money. They gave me absolutely no reason for seizing my money. My account is approximately 2 years old. In my name with ALL correct information including an attached checking account. I have NEVER had a dispute or had a customer complaint. This money was to be used to pay my bills and feed my family. PayPal has committed an act of theft and fraud and I need this agencies help in securing what is rightfully and legally and lawfully mine.