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

In XX/XX/year> I got hit with a late fee. The reason for this is because I never got the bill and it kept going to my spam folder. I had called zales about this matter and they said if I made the payment and paid the account off in full they would remove this late fee as good faith since i've NEVER been late. For some reason they did not remove the late fee on my credit report which is the current situation. I have tried to call them a few times about this manner and they seem to not know what there doing and giving me the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 

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 an account without my written instructions.

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.

To add personal statements : I've never made a payment to this company, yet they continue to report inaccurate information on my credit report regarding " current payments. '' I have not agreed to any terms with XXXX XXXX. 
I never opened an " XXXX '' account after the year of 2013. 
The company has yet to reply in writing to my Debt Validation letter sent on XX/XX/XXXX.
Product: Checking or savings account

Since early XX/XX/year> and again in XX/XX/year>, letters mailed to accomplish the settlement of an estate. They have been provided with all the necessary documents. I have made repeated telephone calls to XXXX XXXX, Branch Manager at TD Bank located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Telephone number XXXX. 
You can reference my letters, especially the one dated XX/XX/year> since that letter was sent with all necessary documents and required action on their part. I definitely need some results soon as the XXXX XXXX XXXX XXXX XXXX is waiting on the next steps for court review.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

I received a wire transfer from a friend, which was successfully cleared. After spending a portion of the funds and making a withdrawal, Citibank unexpectedly initiated a verification process for the funds. Despite my friend 's bank confirming the legitimacy of the transfer, Citibank proceeded to randomly close my account, retaining the remaining balance, even after the verification was completed.
Product: Money transfer, virtual currency, or money service

I am speaking for myself and on behalf of several friends who engage with this cryptocurrency exchange Poloniex operating in the US, and elsewhere, under the parent company Circle. 

Poloniex has developed the practice of delisting coins and after a certain amount of time has lapsed, they remove the ability of the user to access the money, ever again. They list and delist coins frequently, creating confusion, and while they send out emails to users, marketing emails from them are frequent and thus all communication is easy to ignore due to being misconstrued as spam. 

The exchange profits enormously from this process by the fact that money that once belonged to its customers, overnight - like magic - suddenly belongs to the exchange itself. 

I've attempted to follow up with support and without even a discussion, they said that there was nothing they could do and my money was lost. 

Strongly suggest nobody sign up to this exchange, as shockingly, even without a hack, you might lose all of your funds. 

Imagine any other custodian of funds doing this.
Product: Credit card or prepaid card

XXXX XXXX missing from account from dates thru XX/XX/XXXX til present chase sent replacement card and basically I 've been denied a right too activate it because of fraudulent identity theft questions that I simply could n't answer because they were '' *this close '' *yet off n a sense on each one therefore the scrutiny was the " Baitnswitch '' fraudulent reasons I was denied! Activation on telephone by XXXX, from 3world country that 's soliciting my social # .this bank when I established this POA account lied n just thru all my $ $ cash n my mothers account, n then began to go to work on my cash n ways n delegation I never drafted consent to, plus allowed transactions n nonmatching '' names in cyberspace ushering '' me to visit the branches filled with racism n by yelling n intimidating me by phone and by refusing to answer to my complaint n writing ' to the cfpb is also revealing they hiding something .plus my proof such as receipts already given to cfpb depicts I may be on to something as proof that " chases '' bank records r altered compromised erroneous, deceptive n basically subversive too good faith '' money management that it purports to give but really do n't at all .some ATM receipts reflecting highly dishonest misleading amounts during these per than what really was inside account causing other dissaray, +/or its chase sending money or allowing transaction to go thru right away and Still later come in get paid twice virtually later is like theft by electrical transfer.XX/XX/XXXX # -XX/XX/XXXX I did n't take XXXX, out.return my XXXX $!!
Product: Money transfer, virtual currency, or money service

During 2018 many unauthorized transactions occurred through Square XXXX amounting in the theft from my checking account of many thousands of dollars. I have contacted Square XXXX 7 times over the past month and they do not respond properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Plaintiffs, XXXX XXXX, files the following action against Respondent ( s ) XXXX XXXX XXXX, XXXX, XXXX and Experian XXXXnformation Solutions , Inc. et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. 

FACTUAL BASIS 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. 


At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). 

All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. 

In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XXXX XXXX XXXX  ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. 

Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. 

WHERFORE, plaintiff requests that the Consumer Financial protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. 

Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit..
Product: Credit reporting, credit repair services, or other personal consumer reports

FedLoan has 2 loans listed on my credit report that are held by XXXX now. They refuse to remove even after submitting a dispute through XXXX XXXX to have them removed due to them being duplicates. I have attempted to call FedLoan directly but there customer service number just disconnects.
Product: Debt collection

On Tuesday, XX/XX/2024 at XXXXXXXX XXXX, I received a random phone call from a company D & A Services with the telephone number of ( XXXX ) XXXX with the location of XXXX, Illinois. I have never heard of or from this company before in my life and I have never received any mail correspondence from this company informing me of any debt that I may allegedly owe. I answered my phone and there was a woman on the other end. She asked to speak to me and I asked her who she was and where and what she was calling about. She would not disclose unless I verified that I was XXXX XXXX. I told her I am the individual that she is attempting to get in contact with. She then stated that this was a call to collect a debt and she wanted me to verify some information such as my date of birth and social. I informed her that I am not verifying any information over the phone until she tells me what she is calling in reference to or what alleged debt that I owe. I also informed her that I never received any mail correspondence from this alleged company as well. She checked her system and verified that no mail has been sent to me from them informing me of this alleged debt. I then again informed her that I am not verifying any information via phone until she provide me information of this alleged debt because this call can very well be a scam call. She then became very upset and hostile with me yelling " ma'am this is not a scam call and don't worry you will soon see. '' then she hung up the phone.
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX XXXX. Account number:XXXX, however since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding the misleading and unjustified interest charges applied by Bank of America ( BOA ) on a promotional interest rate credit card. Below is a detailed account of the issue I am experiencing. 
I applied for a 0 % promotional interest rate credit card from BOA, with the promotional period set to expire on XX/XX/year>. As part of their monthly credit card statements, BOA includes payment terms that state that if the statement balance for XXXX is paid in full by the due date, no interest will be charged. Based on this understanding, I ensured that my XXXX statement balance was paid in full by the statement due date. 
Despite following these instructions, BOA charged me interest on the promotional balance. I reached out to BOA to explain that their statement terms were misleading. The statement should explicitly mention that interest payments would still apply to the promotional balance even if the statement balance is paid in full by the due date. Their failure to clearly outline these terms has resulted in unexpected charges and significant confusion. 
This experience has caused me financial distress and raises serious concerns about the clarity and transparency of BOAs communications. I believe this is an unfair practice that misleads customers, and I respectfully request your assistance in addressing this matter. 
I am seeking a resolution that includes : 1. A refund of the unjustified interest charges applied to my account.

2. A correction to BOAs statement terms to ensure transparency for all customers. 
Thank you for your attention to this matter. Please feel free to contact me if additional information is needed. 

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

I found my credit report with Experian has been frozen. I have tried online to unfreeze at least 5 times, I have also sent in writing three times to a XXXX XXXX XXXX Texas three forms  of sensitive identification i.e SS number, passport, bill with address. 
I can not reach ANYONE at the company and there is no email to find out if my information has been received. 
My account is still frozen and I am VERY CONCERNED that my personal information could be in anyones hands. 
The worst part is there is literally no way to reach them. 
Before I have an identity problem can you please help me and unfreeze my credit but more importantly assure me my personal identification is safe. 
Please contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX ACCOUNT # XXXX 30 days late in XXXX XXXX 60 days in XX/XX/2022. 

XXXX. XXXX ACCOUNT # XXXX
Product: Student loan

I have been trying to manage my loans through public service loan forgiveness ( PSLF ). I was transferred to MOHELA after consolidating my loans under the limited waiver. I submitted all paperwork on time and have since been waiting for my counts to be updated. 

With the waiver rules, I should be nearing or past the 120 required payments. However, I have been struggling with the " employment certification forms '' ( ecf ) required to update my payment counts. The first form I submitted ( on time ) took the full 90 business days to process only to marked " duplicate '' when it was not a duplicate form - It had new certified dates. I tried to contact MOHELA about this, but each time I was on hold so long that the call timed out and automatically disconnected me. 

I have since sent in a new form to try and get my counts up, and am hoping it will not just be marked duplicate as well. I am still within the 90 day wait on that form, but again, have not been able to get through to MOHELA through chat or phone.
Product: Credit card or prepaid card

On this card, I've had a pay over time offer until XX/XX/XXXX where the only terms are to pay the minimum payment by the due date ( to remain " in good standing '' ), which I have ( screenshot attached ). On XX/XX/XXXX, due to a change in deposit banks, my checking account # and routing # for this payment changed. I informed American Express on XX/XX/XXXX to cancel a payment scheduled that day ( which they claim can be canceled by XXXX am but the button to cancel wasn't on the screen ) but they refused. I was told I could ask for a returned payment fee refund afterward so I made a parallel payment from a different account. On XX/XX/XXXX, I found out despite complying with this requirement to make parallel payments on time, my general APR and my pay over time APR had been changed to the penalty APR because somehow my card was not " in good standing '' despite complying with the terms of the program and making on time payments and I was charged {$690.00}. It was already a nightmare getting the returned fee refunded and now I'm finding American Express is engaging in this deceptive and illegal practice against the terms of the program. They still state on another webpage that I have 0 % APR until XX/XX/XXXX. Despite paying a hefty {$690.00} annual fee, I encountered a customer service who was too incompetent to understand nor cared. I will cancel all my cards after 17 years of membership. They are horrible and will engage in illegal practices out of greed. They need to resolve this or this is a clear case for arbitration I will pursue.
Product: Credit reporting or other personal consumer reports

I reached out to the credit bureaus regarding inaccuracies on my credit report. There are numerous issues with the reporting and I notified them and sent the the proper documentation and information to correct it and delete the incorrect information. They failed to do either and continues to report misinformation on my reports. I contacted the furnishers and they have not responded and those that did either had no record or has different records than the credit bureaus. I am very frustrated dealing with this and am considering legal action at this point because they continue to willfully violate the reporting laws. I just want my report fixed so that things are reported accurately.
Product: Credit card or prepaid card

This is regarding the new XXXX credit card offered through Synchrony Bank. I have received numerous mailers regarding applying for this card and how it offers {$10.00} off/eligible line when used to pay your XXXX XXXX bill. So I applied and got accepted to take advantage of this perk. I applied on XX/XX/XXXX, was approved, and received the card on XX/XX/XXXX. I promptly added it to my account and had it set up for auto pay. The bill deducted on XXXX with no discounted amount when using the card. I contacted XXXX, and the customer service rep apologized for the confusion, but admitted that it actually false advertising. The card doesn't offer you a discount over what you would receive just by using auto pay like I already do. I was lead to believe that by getting the card I would be receiving an additional $ XXXX/off per line as told by a rep at a store and the mailers, as well as, app advertising. This is false advertising. I would never have signed up for another credit card when it lacks this basic benefit. XXXX XXXX should not be misleading customers, and the ads should advertise that this is not a discount if you have auto pay. They should also not be informing reps to mislead customers.
Product: Checking or savings account

I XXXX XXXX XXXX in XXXX, Utah. We mailed in our rent checks to the landlord. Someone stole the mail from the landlord or had access and they cashed my business checks for rent at a third party bank, XXXX XXXX We had to pay our rent on top of losing almost {$10000.00}. Wells Fargo has ignored us for over 2 years and never tried to rectify the situation. they never credited our account. They never returned phone calls. They never verified the transaction or the checks when the fraud was committed. they allowed a third party to cash the checks against a personal account and not in his name. Wells Fargo never reached out to us regarding the checks and they allowed them to be cashed. 

For XXXX years, we have been chasing Wells Fargo for answers and our money back. We are constantly ignored. We never received our money or a credit. We had to pay our rent on top of losing the money. Due to XXXX related problems and no XXXX loan, we shut the business down. We are still our {$9800.00} from Wells Fargo cashing our checks to a personal account that is clearly fraudulent. As of now, we demanded help again and they assigned a NEW person to work on our issue and we still have no answers or cooperation. Wells Fargo will not share the information with XXXXXXXX XXXX for us to follow up on. They will not provide any information in writing as of now. Wells Fargo never returns our calls and have been very difficult to work with. They asked us to get notarized affidavits, make personal statements and more. We have done everything they requested only to have them ignore us and not retrieve our funds. I am very concerned that I will not get my money back willingly. Wells Fargo is making no attempt to fix the situation over XXXX years. I am going to have to find an attorney to sue them for my money back that they allowed to be given away to an individual at a third party bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I XXXX out to XXXX XXXX XXXX XXXX to inform them that I am a victim of identity theft and that the account they have reporting on my credit file is not mine. They still have not removed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX. I am bringing this complaint to your company as a living man. You are reporting an account with an abbreviated name XXXX XXXX which is incomplete. EXPERIAN is reporting a date last active of XX/XX/22, XXXX XX/XX/22, and XXXX XX/XX/22. I was never late on this account. Update the payment history to ok for all months or delete this account due to inaccuracy.
Product: Prepaid card

Received 2 reward cards. 1 had {$200.00} and the other XXXX. I was told I had to wait for {$0.00} authorizations to fall of pending before I could use the card this past conversation. Since XX/XX/XXXX to XX/XX/XXXX I have not been able to use the {$200.00} card and only been able to use the {$100.00} card for approximately {$44.00}. I have spent countless hours trying to resolve with customer service only to be fed misinformation, excuses, and be hung up on. I am now on another call waiting on hold for over XXXX minutes after being hung up on after XXXX and a half hours. Worst customer service Ive ever experienced.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. I have had money come taking out of my account from companys I never bought from. I have contacted customer service thru Cash App and on all the occasions could never receive my money back. I could not speak to anyone on the phone to handle any of the disputes! 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 redres for these violations.