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

On Friday, XX/XX/XXXX, a clerical error caused the tuition for my son to be paid in full rather than in monthly installments. The transaction was listed as pending at the time and my wife called to put a stop payment on the unauthorized ACH transaction of {$5300.00}. That morning, by XXXX she had filed a claim over the phone and been into a physical location to speak with banker and ensure that she had done everything that she could to get the process started. She was told to stay by her phone because somebody would contact her regarding the expedited request sometime that day on Friday, XX/XX/XXXX. <P/>At midnight on Friday, XX/XX/XXXX, the transaction was processed and we had yet to hear from the bank. We had to borrow money because the transaction had not only depleted our checking account, but also our Way 2 Save account and still left us with a balance of roughly - {$700.00}. <P/>On Monday, XX/XX/XXXX, we called Wells Fargo back to inquire about our expedited claim. We were told that the claim had not been expedited and that it would take 7-10 days to fix. At that time we elevated the call and were told that the claim would be expedited but that somebody would call us and the claim would take 2 days to complete. With the upcoming XX/XX/XXXX holiday, this means that the claim would not be reviewed and completed until Thursday, XX/XX/XXXX. I stated that the claim should have been expedited on Friday XX/XX/XXXX and that it should have been reviewed and completed by close of business Monday, XX/XX/XXXX. I also stated that since we were not called after we were told to stay by the phone on Friday, XX/XX/XXXX that I would like to stay on the line until I spoke to somebody who could help me. <P/>I was transferred again to a different supervisor who told me that there was nobody there that could help me and that I would need to contact the XXXX number for their executive office. I told him that I would wait on hold so he could call that number and connect me once he somebody that could help me on the line. He advised me that he was unable to transfer any calls from that number, despite working in a call center, and that he would just have to disconnect the call. I stated again that I did not want him to disconnect the call and that I just wanted to speak to somebody that could help me. He then hung up on me. I felt like I had no other option at that time but to seek help through a third party. <P/>I feel like to the payment should have been stopped while it was still in a " Pending '' status. Especially considering we were able to alert them and issue the dispute almost immediately after being notified of the overdraft. The problem was compounded when we were told several things on Friday, XX/XX/XXXX that turned out to be untrue. Additionally, when we spoke to other customer service representatives on Monday, XX/XX/XXXX, they were not only unhelpful, but they hung up on me.
Product: Mortgage

Seterus claims they paid my property taxes but they DID NOT. They keep saying they have fixed the problem and now I have a negative escrow balance that I do not owe. So unless I send extra money they will not accept my payment. I have been forced to pay them and extra {$180.00} so last months payment could get credited. They said it would be fixed within 7 days and now I 'm forced to pay an additional {$90.00} per month until the {$3300.00} negative escrow balance is paid. I have contacted the XXXX and Seterus has never paid any property taxes. I have documentation showing that I paid them I do n't have an escrow acct. I have forwarded this info to Seterus and they said it was handled and now I find out that they still think they paid property taxes in XXXX of 2015 but they did not. They can not produce any proof of payment either. I feel they are scamming me so I looked online and saw over XXXX complaints of similar nature. They are running a scam where they are adding escrow accts and using the money and will never give a straight answer. I have spent several hours on the phone only to be restarted back ant square XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to get a copy of my credit report. XXXX and Experian both replied, " no credit report. '' I am trying to get a secured or non-secured credit card to build my history for a VA loan. I need something in hand to take to a bank or lending institution.
Product: Credit card

The rewards program of my Capital One Venture credit cards allows some merchants such as XXXX, to transfer points from my account without my authorization or knowledge. 
This happened today when someone unknown to me charged a {$200.00} gift card to my account. 

The credit card company has started an investigation. But, when I asked that they prevent merchants from initiating such transactions in the future they refused. 

Credit card purchases seem to e pretty well protected, my " rewards '' points, worth thousands of dollars seem to have little or no safeguards.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. I have contacted these companies several times as well as the bureaus to have them removed. These accounts do not belong to me 1 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$27000.00} 2 ) XXXX XXXX XXXX XX/XX/XXXX {$19000.00} 3 ) XXXX XXXX XXXX XXXX XXXX {$66000.00} 4 ) Credit Inquiry on XX/XX/XXXX XXXX  XXXX ( REMOVE because someone applied for credit in my name )
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 violates the Consumer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appreciate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated on XX/XX/2022, CFPB Complaint ID XXXX Equifax Information XXXX XXXX stated XXXXXXXX XXXXXXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. And now on this XXXX Day of XX/XX/2022, I, XXXX XXXX, Federally Protected Consumer, is now demanding Equifax Information Services to provide documentary evidence of how EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. pursuant to Federal Law title 15 U.S. Code 1681e ( b ) Equifax Information Services LLC are required to follow reasonable procedures to assure maximum possible accuracy of the information. 
If Equifax Information Services LLC willfully and knowingly fails to comply with and provide such information in accordance to 15 U.S. Code 1681e ( b ), Equifax Information Services LLC will be fined {$1000.00} ( PER DAY of furnishing XXXX XXXX XXXX  ) for damages as a result of such failure according to 15 U.S. Code 1681o ( a ) ( 1 ) Equifax Information Services LLC will be held accountable for DEFAMATION OF CHARACTER as it is evident XXXX XXXX XXXX  is causing substantial harm to I, XXXX XXXX, financial reputation and Equifax Information Services LLC will be sued for any failure and damages with prejudice.
Product: Bank account or service

My wife and I had an overdraft yesterday ( Thursday XX/XX/XXXX ) on a {$30.00} charge which reduced our checking account at Bank of America to - {$10.00}. Money is tight, and because we knew that our paychecks were going in today ( Friday ) my wife deposited {$11.00} to bring the balance ( just barely ) above XXXX. Apparently, after her deposit yesterday afternoon, Bank of America put a check we had written for {$84.00} through and then charged us for XXXX overdrafts ( {$35.00} each ) but claiming on the iPhone app this morning that the {$84.00} check went through first so they could charge us for both ( versus sending the {$84.00} after we had made the deposit bringing the balance over XXXX ). The {$84.00} check had not been processed at the time my wife made the deposit, otherwise {$11.00} could not have raised the balance above XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in Payment Agreement with XXXX XXXX XXXX a who purchased debt originally owned by XXXX/XXXX Since XX/XX/XXXX. I have made onetime monthly payments to them for outstanding amount reported on my XXXX   Credit report. However two conditions are not being meet under FCRA, # 1 the payments being applied are not being reflected in my credit file therefore changing the status as " current '' AND # 2 The amount due as reported online is not going down based upon timely payments.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters to this creditor to get this inaccurate account removed from my credit report. It has been more than XXXX  days and still no change which is a defamation of my character with false and misleading items that are not verified on my report. I wish to have this removed immediately. I do not owe XXXX XXXX in the amount of {$190.00}
Product: Credit reporting or other personal consumer reports

Hello, I am writing this to dispute this inquiry that is fraudulent. This has caused me so much stress recently as I am getting denied from a home mortgage and my score crashed. I have already contacted Experian to freeze my file and dispute these. I also filed an FTC report for fraud. This inquiry is fraud and needs to be immediately removed. I have attempted to contact this company but I can't reach anybody! Please get this removed as soon as possible or I will seek legal action. Again, this were not made or authorized by me. Thank you. 

XXXXXXXX XXXX XXXXXXXX - XX/XX/2024
Product: Debt collection

Convergent Outsourcing, Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX sent me a bill for {$610.00} ( {$270.00} account balance + {$340.00} equipment cost ) from an unspecified company. This bill was unknown to me, so I called Convergent, and they offered to send me a fraud packet, which they did. the fraud packet requires a notarized affidavit, a copy of my driver 's license, a police report and a utility bill, and the form ( " Identity Theft Victim 's Complaint and Affidavit '' ) requires a lot of PII, including my driver 's license # and SS #. I XXXX  Convergent and read that they're a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I checked my credit reports ( equifax, and XXXX ) and saw a XXXXXXXX XXXX XXXX account past due in the amount of {$720.00} that I did not authorize opening or adding in my name. I contacted the XXXX multiple times in writing, letting them know that I was the victim of identity theft and I did not request this account and to remove this account, but they refused to even investigate the matter, stating, " My letters sounded like it was coming from a credit repair company. ''
Product: Mortgage

Hello, I have a mortgage with Amerihome. They are charging me {$20000.00} and refuse to do a loan modification. as many Americans during the COVID-19 pandemic, I was given a forbearance. I was then given and approved a partial claim - they did not send me paper work until late and then denied my claim because they said I didnt return documents on time. I returned them after I received them. Then then reversed the denial after a multitude of calls and emails and faxes from me. Now, its been 5 months and I have called and faxed and emailed and always get different information. I frequent to speak to a supervisor and they always escalate my call and promise Ill get a call back and NEVER call me back. Ive been dealing with this since XXXX and they are charging me late fees and negative credit reporting, however, no one is working on my loan modification as Im entitled to by the government. I desperately need help.
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 make timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Further, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit card or prepaid card

I have a small business account with American Express. When I tried to apply for an additional card for my new employee AMEX said that our company has reached its limit for additional cards ( 99 ). That didn't sound right to me, so I checked online and noticed that we only had 64 open cards with American Express. When I spoke to a supervisor, I was informed that they were also counting cards that had been previously closed/cancelled even though the employees were no longer with our company. Additionally, AMEX informed me that until those cards expired, we would not be able to open an additional card. I asked them to mail me information about those accounts so that I could document the expiration dates and confirm that no fraudulent activity was taking place. They refused to honor my request. I am now concerned that these " cancelled '' cards are being used without my consent and that it will effect my business and personal credit. What next steps should I take? 

Thank you
Product: Credit reporting or other personal consumer reports

My account with CB INDIGO 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. 

CB INDIGO 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: Credit reporting or other personal consumer reports

Ive had this account in charge off status for over 7 years and XXXX removed it with no problem but Equifax and XXXX wont remove it. It seems when they get in contact with XXXX XXXX XXXX XXXX they keep telling them this is accurate information, but its been over 7 years. If XXXX can remove it willingly, I dont see the hold up. Originally Equifax removed it and then it was added right back, which doesnt make sense!
Product: Mortgage

I am writing in regard to {$430.00} assessed by the loan servicer Fay Servicing. In their response they state " After conducting a reasonable review, the {$430.00} in was incurred during the XXXX foreclosure process and are recoverable corporate advance expenses carried over from the previous servicer. '' I dispute this amount based on the terms of mortgage modification agreement with the previous loan servicer ( XXXX XXXX XXXX ) that agreed to waive all charges and penalties if I completed the terms of the mortgage modification. This was confirmed with phone calls to XXXX and my attorneys. This charge never showed up until the loan was transferred from XXXX to Fay. I am including all documents supporting this including correspondence from XXXX and my attorneys.
Product: Debt collection

I subscribe to a monthly credit monitoring and was alerted to the addition of a collection account. I found Credence Resource Management has placed a collection account on my credit reports for {$510.00}. I know nothing of this account, nor have I had any debts in for amount. Credence Resource Management provided ZERO opportunity to dispute the alleged debt and has violated the Fair Debt Collection Practices Act in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney nor am I a 3rd third party. Please see my attached ID and SS card.

I was recently released from prison and it was brought to my attention that my credit profile had been compromised. I discovered that there have been several addresses and accounts for businesses opened up in my name. The first issue I found was a seen wrong SS numbers on my credit report. The following SS are not mine XXXX, XXXX. My full name is XXXX XXXX XXXX my DOB is XXXX my SS XXXX. I am in the process of filing a compliant with the FTC and the local aurthorities. The following addresses do not belong to me : XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX OHXXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX OH,XXXX I have to do some more reseach on my credit file to see if there are in fact more items that are inaccurate. the following accounts are fraudulent : 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 XXXXXXXX. 
I was locked up in prison when these account were opened.
Product: Credit reporting or other personal consumer reports

I am filing this Complaint because I sent the following letter to ALL Credit Reporting Agencies... On XX/XX/XXXX " As a Federally protected Consumer I am now exercising my right to opt out of all authorization, I, the Consumer, may have given you ; written, unwritten, verbal, and non-verbal. 
You are in violation of my Privacy Rights for sharing my personal information i.e. credit reporting with non-affiliates per 15 USC 6508 i.e. obligations in respect to the disclosure of personal information and 16 CFR 313 Privacy of financial consumer information.

You are in violation of my Rights pursuant to 15 USC 1681 ( b ) needs written permission from consumer to disclose personal information i.e. credit reporting.15 USC 6802 ( b ) Non affiliate third party cant disclose information to.

Per the Privacy Act of 1974 and 15 USC 6802 I request that ALL Charge-offs be removed now because they are certificates of indebtedness, which means it is considered income and must be removed. 

Regarding these violations, I am requesting that you update ALL accounts to Paid as agreed in accordance with the Fair Credit Reporting Act & 15 USC 1681 all reporting across credit bureaus have to match I may be entitled to under 15 USC 6508, 15 USC 1681 ( b ), 16 CFR 313.7 ( f ) Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly ; who verified these accounts? 

I request that you provide the method of verification you used. Your response should provide : The name of the original creditor The address and phone number of the original creditor The name of the person at XXXX who verified the dispute with the original creditor. 
Remove any Student Loans reporting in violation of Family Educational and Privacy Act of 1974 '' I would like to note for the Record that on XX/XX/XXXX I discovered that my identity had been stolen by receiving a XXXX report that had my social security number but the wrong drivers license for an inquiry dated XXXX inquirer : Transunion/ on behalf of XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

creditor : XXXX XXXX XXXX XXXX Balance:XXXX account : XXXX creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance:XXXX ACCOUNT : XXXX creditor : XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX Balance:XXXX account:XXXX creditor : XXXX XXXX XXXX XXXX XXXX Balance:XXXX   account:XXXX THESE ARE MY SONS ACCOUNTS AND THEY PUT THEM ON MY CREDIT! PLEASE REMOVE THESE ITEMS!
Product: Credit reporting

Disputing the fact that Experian investigated properly, they claim they verified the reports, well great, I sent a demand letter wanting the proof of all verification supported with proof of documentation sporting my signature on each verified account. XXXX is a medical collection, they at no time ever got my consent in writing to share or obtain my medical records. accounts were not marked disputed, and Experian actually sent me a letter stating they had no intention of re-investigating my dispute, they also failed to remove old addresses in accordance to my written letter to them.