23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I contacted XXXXXXXX XXXX  multiple times regarding incorrect information on my consumer report and they are refusing to update the information to accurate. I have attached an explanation of what has happened along with their responses to me. XXXXXXXX XXXX has admitted that they are reporting accurate information when I have proven that they are not. I demand the CRA 's delete this information immediately and for XXXXXXXX XXXX  to stop reporting this account to the CRA 's this is the account ending in XXXX.
Product: Payday loan, title loan, or personal loan

I have a loan with Cash1 I have been making payments to them got laid off for the virus and sent the a email told them to take out of the XXXX and XXXX so I can still be able to pay the account In XXXX my balance was XXXX now it is XXXX and shows no payment made to them. I have asked for a statement no reply so since the they have received 2 payment of XXXX XXXX time a month and nothing taken off but only added on. 
Do I not have a right to see a statement of my account I do not really know what I owe and I thought when I made a payment I should be able to see the charges and what the do with the payment
Product: Mortgage

My mortgage loan was transferred from XXXX to LoanCare ( XXXX XXXX XXXX, XXXX  XXXX, VA XXXX ). Per my bank statements ( emailed to LoanCare ), there was a {$2500.00} payment on XX/XX/19, {$2500.00} payment on XX/XX/19, and a {$2500.00} payment on XX/XX/19. 

I received a late fee notice in early XXXX from LoanCare. That's when I realized LoanCare has not recorded my prior 3 payments of {$2500.00} even though the money was cashed by LoanCare. These {$2500.00} payments were cashed by LoanCare on XX/XX/19, XX/XX/19, and XX/XX/19. 

Per customer service recommendation, I emailed their support along with all bank statements that showed the three {$2500.00} payments. I received an email back stating that LoanCare did not see any issues and that my case my closed. 

I called LoanCare back ( XX/XX/19 ) and explained again my scenario. Support ( XXXX ) stated that they are now seeing the three {$2500.00} payments, but it was applied to an old loan number. 

I told XXXX at support that I wanted to a pay off amount today. However, he said he could not give me a payoff amount until these 3 missing payments were resolved and it would probably take 14 days to resolve. 

I originally asked for a pay off amount when I first called LoanCare on XX/XX/19 because of the late fee notice. I am now expected to wait another 15+ days until they resolve the issue. LoanCare will be charging me interest on my loan for the next 15+ days. LoanCare should not be charging me an extra 15+ days of interest if they made a mistake on their end. 

LoanCare has damage mine and my wife 's credit score because they reported our mortgage as late. 

It seems like thousands of others have reported the same things : https : XXXXXXXX XXXX After my experience and reading all the similar reviews online, I believe LoanCare is deliberately conducting immoral and illegal business practices to scam others to pay more fees and interest on their loans. 

-- -- -- -- -- -- -- This is one example of my many phone calls to LoanCare : Called support line and asked to speak to a supervisor. She said ok and right after I heard her say " I'm going to hang up on this XXXX XXXX '' and then she hung up. This occurred XX/XX/19 approx. XXXX Confirmation # XXXX. Her name was XXXX.
Product: Money transfer, virtual currency, or money service

I have been a long time user of Paypal, but around XXXX, i received my first account permanent limitation after sending a request to verify my identity. I had contacted via messages, calls to the Customer services but didn't receive any explanation or help, i also tried emailing, talking the recommended office but to no avail. Finally, i decided to file a complaint through XXXX and they actually replied and informed me that my account limitation did not relate to Paypal User Policy and my limitation was lifted. 
Unfortunately, not long after that, another permanent ban was placed upon me just like the first time. Sadly, all the office i contacted quickly shut my request for another review down and i had to make another XXXX complaint, which lead to a reply stated that i have contacted the wrong department but they promised they will send my complaint to the relevant office but i did not hear any further reply from them after that. 
After days of reading through forums and talking to many other individuals that are also having the same situation, i made another complaint stating all the details and proofs that my account did not violate any regulations listed in Paypal 's Policy. My complaint was shut down the next day.

The department i filed the complaint to was Paypal Headquarters and i had no other choice because all the relevant office refuses the look into my case again and just quickly shut me down without any further questions. 
Without having access to Paypal, my funds are frozed and my business is being affected negatively, all because of a limitation that i have no idea what resulted it.
Product: Credit card or prepaid card

Wells Fargo Visa. I have on repeated occasions, at least four, over the last several weeks attempted to get copies of my monthly statements for XX/XX/XXXX through XX/XX/XXXX. These statements are not available online. 

Wells Fargo has promised me they will mail the statements and fax them to me but they never arrive. Each time they say to give them 3 days to arrive via fax but they don't arrive. We even tried working through our local Wells Fargo branch and they called on our behalf and even provided their fax number to their credit card department but also to no avail. 

Thank you for any help you can provide. We have run out of options to try to work with them to get us the information we have requested.
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 proce 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
Product: Debt collection

This alleged debt is fraudulent as I am the natural person, consumer in fact, and entered into a consumer credit transaction. Pursuant to 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I in fact extended you credit as the Creditor/Natural person and you gave me a loan which isnt defined under Truth in Lending or FDCPA, which created an alleged debt. That is deceptive behavior, fraud, and punishable under federal law. I am not participating in the collection of any alleged debt. Pursuant to 18 U.S. Code 8 as defined by congress, The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THERE SHOULD BE NO ALLEGED DEBT IN ANY CONSUMER CREDIT TRANSACTION. Natural person defined 15 U.S.C. 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt., so be it, and ; '' PHEAA HAS VIOLATED SEVERAL FEDERAL LAWS THAT PROTECT CONSUMERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX bankruptcy should be removed according to federal law from all credit reporting agencies XXXX XXXX XXXX XXXX, and transunion. Also per federal as they should be removed after 7 years. You can file for bankruptcy twice in within a year and also reported this lexis nexus XXXX XXXX and Transunion. I would like them removed or i will take legal action.
Product: Prepaid card

Subject : Immediate Intervention Required : Missing {$4000.00} in Unemployment Benefits Potential Fraud and Systemic Failure Dear CFPB, I urgently request your immediate intervention in a critical issue involving the Money Network, a subsidiary of Fiserv, which manages Unemployment Insurance benefits. Since XXXX, transactions totaling over {$4000.00} have been marked as completed, yet these funds remain missing from my XXXX  XXXX XXXX account. The last successful transfer was on XX/XX/XXXX, with subsequent transfers on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all showing as completed but never received. 

Despite multiple attempts to contact Money Network and Fiserv, I have encountered systemic failures in communication and support. This significant financial impact threatens my ability to pay rent, and the lack of accountability from these entities raises escalating concerns of potential fraud and negligence. 

I have already contacted XXXX XXXX and XXXX, and Congresswoman XXXX. If this issue is not resolved urgently, I will be forced to escalate through legal action and public exposure via media outlets. 

Please address this matter with the highest priority and respond promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX  XXXX US SM BUS ADMIN ODA XX/XX/2021
Product: Debt collection

Subject : Cease and Desist Notice Improper Collection of a Sold Debt Dear Santander USA, This letter serves as formal notice that you must immediately cease and desist all collection efforts related to the alleged debt associated with an account. 

I have reason to believe this debt has been sold or otherwise transferred, and you no longer have the legal authority to collect it. Your continued attempts to collect this debt are unwarranted and may be in violation of federal and state laws, including but not limited to the Fair Debt Collection Practices Act ( FDCPA ).

I hereby request : 1. Immediate cessation of all communication and collection efforts regarding this debt, including but not limited to phone calls, letters, or electronic messages.

2. Validation of the debt : If you believe this request is in error, provide written documentation proving your legal right to collect this debt, including evidence of ownership and an account history detailing its transfer or sale.

3. Acknowledgment of compliance : Written confirmation that you will cease all collection efforts, as required under law. 

Failure to comply with this notice will leave me no choice but to pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), my state attorney generals office, and other relevant regulatory agencies. I also reserve the right to initiate legal action against your company for harassment, misrepresentation, or any other violations of applicable laws. 

I request your written response within 15 days from the date of this letter. All future communication regarding this matter must be sent to me in writing following this complaint. 

Thank you!
Product: Debt collection

The representatives of XXXX XXXX XXXX have been calling me repeatedly about debt that belongs to my brother and my father. 

I am not associated with the debt nor do I have any student loan debt but this is the second attempt to talk to compliance at XXXX and now FAMS where they continue to call me. 

It's causing me an unreasonable amount of anxiety because I am getting repeated calls on my personal cell phone number while I am at work. 

The real issue is that they are breaking state and federal laws re practices they are allowed to use to collect debt. I also know they have tried to call other family trying to recover the debt that none of these family members are responsible for. 

I actually have XXXX dollars in student debt which makes this situation even worse. 

XXXX XXXX XXXX is at XXXX, and I spoke to XXXX XXXX at XXXX. 

I'm interested in how to stop this agregious practice period for me and all my family unassociated with this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are numerous inquiries on my XXXX credit report which i NEVER authorized or have seen before XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Product: Debt collection

While reviewing my credit report, I came across multiple accounts that I suspect are fraudulent. Kindly remove these accounts immediately.
Product: Checking or savings account

I opened an account with chase bank. When I opened my account I tries depositing checks into the account and the checks had came out of the persons account that they drafted out of. Chase has received the funds and is refusing to credit my account for the amount of the four checks which is XXXX. They have hung up on me after calling them to discuss the account after being placed on hold I was hung up on and never received a call back. I really don't understand how chase can just straight up steal my money from me. The checks cleared and where taken out of the person account they had been written from and this is beyond ridiculous and crazy that this can actually be happening I just dont understand or get it. Chase needs to resolve this issue immediately as to me this is theft and they have no right to just take my money when there has been nothing wrong done on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ( XX/XX/XXXX ) had two positive changes to my XXXX acct ; 1 ) XXXX increased my credit limit by {$6200.00} -- improving my utilization ratio 2 ) FULLY paid bal on XXXX to {$0.00} bal. These changes were noted on my Equifax report ( via XXXX XXXX XXXX on XX/XX/2019 It would seem that these positive changes would have potentially increased my score. However, the reported changes caused my Equifax score to go DOWN 11 pts to XXXX ( as the new score )! On the other hand, my XXXX XXXX score INCREASED 6 pts to XXXX ( after the same changes were applied ). I called XXXX XXXX and they told me I had to contact Equifax, as the score is determined by the credit reporting company. Due to systemic technical issues, I was unable to submit a written investigation request directly to Equifax. I then called Equifax and was informed that they " understand my concern '' but, I will need to contact XXXX XXXX!! I have submitted two written requests to XXXX XXXX to investigate and correct. On XX/XX/XXXX, I finally got a written response to one request in which XXXX states again that they " understand my concern '' and list the factors contributing to the new lower score, all of which I am aware of, BUT DON'T APPLY IN MY CASE, NAMELY : 1 ) My utilization did NOT increase ( it actually improved! ) 2 ) I have 100 % timely payment history on ALL  accounts 3 ) NO derogatory mark has been added to my report 4 ) No old account was closed 5 ) No new account opened that has not already been accounted for. 

I am requesting that Equifax review the score and adjust accordingly. I can not understand how two positive changes, could bring my Equifax score DOWN 11 pts, to XXXX ; while those same two changes INCREASED my XXXX XXXX report by 6 pts to XXXX. 

PLEASE help me correct this as I am getting the runaround by both the credit agency and XXXX XXXX. I have been diligent in monitoring my reports, and have worked very hard to come from Bankruptcy to this point in my credit history! Thank you so much for your help. XXXX
Product: Credit reporting or other personal consumer reports

There is information that is obtained on my consumer report that is a result of identity theft. I did not at any time provide written permission or instruction for the identified transactions to be reported on my consumer report. I'm requesting the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made based on a material misrepresentation of fact by me relevant to the request to block. The identified transactions are not information related to my transactions as a consumer. 

SEE ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report, that any finance and other charges related to the fraudulent amount be blocked and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked to be provided a proper investigation into accounts listed on my credit report, I specifically asked the bureaus to validate the accounts they are reporting. It has been over 60 days now and I am concerned. I haven't been notified of any results or an investigation into this matter. Hopefully I can get a response, Thank you so much.
Product: Checking or savings account

XX/XX/XXXX : Initiated the application process for payment solutions and established contact with a representative from XXXX to strategize the optimal approach for payment processing, with a particular emphasis on getting the {$1000.00} merchant services bonus. 

XX/XX/XXXX : Received confirmation of application approval and subsequently placed an order for a mobile card reader in order to commence the acceptance of payments. 

XX/XX/XXXX : Successfully fulfilled the stipulated bonus requirements, which entailed processing a total of {$2000.00} across a minimum of five transactions. 

XX/XX/XXXX : Initiated contact via phone to inquire about the status of the bonus. During this interaction, the customer service representative suggested reaching out to the designated XXXX representative for further details regarding the bonus. Subsequently, an email was sent to the XXXX representative to seek clarification on inquiries related to the bonus.
Product: Checking or savings account

I received an offer for an incentive of {$600.00} to open a new checking account. To receive the {$400.00} portion, I had to Direct Deposit {$2500.00} within 90 days after account opening and remain in good standing. To receive the additional {$200.00}, I had to process 15 debit card transactions from the account within 90 days and remain in good standing. I opened the account and entered the promo code during the promotion period, prior to XX/XX/XXXX. I performed all the required activities and did not receive the {$600.00} within 15 days after 90 days following account opening. I reached out to a representative and she said I was not eligible to receive the promotion because I was not in the intended " market ''. This is unfair since I DID receive the promotion. The bank received all the benefit of me putting money at their institution and processing my debit card transactions with their processor, but they aren't going to follow through on paying out my incentive! Why weren't there stops in place at account opening to prevent me from using the promo code online if I wasn't in the designated market? It's so convenient that the promotion entices many people to sign up but only a few of those who sign up actually qualify. That is deceptive advertising, and so frustrating that I had to keep track of all of this, with nothing to show for it after nearly 4 months!
Product: Credit card or prepaid card

When Chase rolled out the Freedom Flex credit card, I called in customer care and asked for the difference between the XXXX cards as Freedom information is no longer published on the website. The representative told me nothing but a simple XXXX to XXXX XXXX transition. With this information I started using my Chase Freedom for restaurant purchase as Freedom Flex offered XXXX reward for that category. I checked my XX/XX/2022 statement and noticed I was not getting the bonus rewards. I called in customer care multiple times and was told Freedom does not qualify for the XXXX reward. I asked for a supervisor and the line got disconnected multiple times. I was misled by Chase as they remove Freedom card information online despite it being an active card and was told by their own people that terms are the same as Freedom Flex shows that Chase is misleading consumers.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc, ) due to inadequate due to unfair service and practices, which violates the Consumers Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redness for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX TX XXXX. My address before that one was XXXX XXXX XXXX XXXX. XXXX GA XXXX. Experian was once reporting this correctly, but now they have removed my current address and replaced it with another address I have not lived at. These two addresses I just listed are the only addresses that should be reporting. Due to Experian doing this it has caused me to not be able to access my credit file in order to monitor my credit report. This is illegal and I have contacted Experian to fix this with no results just none stop phone transfers. I have provided my drivers license and light bill for my current home. 
THIS IS NOT A DUPLICATE DO NOT CLOSE THIS REQUEST. EXPERIAN HAS RECENTLY REMOVED MY PERSONAL ADDRESS AND HAS LOCKED ME OUT OF VIEWING MY REPORT.