23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with OneMain Financial.I make 2 payments a month on my pay periods to equal the total monthly payment due. I made payment on the account on XX/XX/XXXX and still had a payment due before the end of the month. I intended to make the second payment on the XXXX which was my next pay period which would have been late per the due date but NOT 30 DAYS LATE! Then I would have made the next payment on the XXXX of XXXX which would have been 8 days past the due date, but again NOT 30 DAYS late. 

OneMain contacted me and because I was accruing late fees with each payment. They stated that if I made an additional payment on the XXXX ( meaning nearly XXXX instead of the XXXX ) then resumed normal payments, i would not longer have late fees. I stated I could not afford to make an additional payment then. So they offered me an alternative, that if agreed to a deferment, and instead of making the payment that in intended to make on the XXXX on the XXXX instead, that I would only have 1 payment in XXXX and I would be effectively caught up. 

I SPECIFICALLY asked, " Okay, but if I do it that way, will it show as a late payment on my credit report? '' She said " No! Because you have the deferment which prevents that, so it will report on time ''. 

Based on that " reassurance '' I agreed to the deferment to give myself a little more breathing room. 

I got an alert on the XXXX of XXXX that my credit score had dropped by XXXX points. When I checked, I saw that they had added a late payment to my credit. 

I called the local branch here in XXXX, FL ( furious ) and was literally ( not hyperbole ) laughed at by XXXX because I said " If you guys don't fix this, I'm gon na call an attorney ''. 

I then called the national customer service number. And was assured that the late payment would be correct the following reporting period. This clearly did not happen. There is still a 30 day late payment that was only late because THAT'S THE WAY THEY TOLD ME TO PAY IT. Now they WILL NOT take responsibility for it and keep telling me, " Well, XXXX, the payment was late. '' And no matter how much I try to get them to see their error, they just laugh it off and tell me an investigation was done and it's my fault. Next time make my payments on time. 

This is also not the first time they have done this to me. I just didn't realize they had reported me late several times last year for similar circumstances.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to insufficient customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take efficient and effective measures to prevent fraud on their platform, leaving my information vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and misleading, as they did not follow 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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: Money transfer, virtual currency, or money service

Google facilitated fraud with advertisements for and by facilitating payments to XXXX XXXX XXXX and subsidiary hardware manufactures and fraud companies impersonating hardware manufactures. The product never worked, I bought it twice, and the first purchase was literally to a non-existent pure fraud company that was impersonating a helium miner that bought google ads and appeared first on the web search. Additionally Google has been illegally censoring my speech when I speak against politicians ( for example, banned on XXXX for " harassment '' by writing a comment " XXXX obama '' which is constitutionally protected free speech ) and they have been censoring my search results and bard results when I seek legal advice. This is under CFPB jurisdiction because 1. Google took money from a fraud company impersonating another company that was offering financial services, which also turned out to be fraudulent, and promoted it on page one. 2. Google facilitated payment to the fraud company. 3. The relationship Google has with the XXXX and the funds the XXXX received from XXXX, which were stolen funds from creditors like me. The fraud company also received venture funding from XXXX, meaning that the google ad money that paid for the fraudulent advertisements commingled customer money that is subject to clawbacks. 4. The nature of the product at the heart of this transaction is a financial pyramid scheme that is part of the XXXX fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX & XXXX : XXXX, XXXX  XXXX XXXX : XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Opened a Best Buy credit card by Citibank here in XXXX XXXX early XXXX and purchased a laptop and an air cooler worth around {$1500.00}. By mid XXXX I paid off the said amount with interest. By late XXXX, I was shocked to find out that I still have around {$8000.00} balance in my account with them since I never use the card after the first purchase .I called them and talked to collection department sometimes on XX/XX/XXXX. I was told that, an extension card was issued to my strange son, whom I have not seen in years. I argued that I have not applied for an extension card nor sign for anybody. I spent the whole XXXX getting in touch with them to settle the issue but they insist that I am responsible for that credit card. My credit score was badly affected by that account and the balance keep getting higher and higher. 

I am a XXXX years old XXXX veteran who is suffering from XXXX   XXXX, XXXX XXXX, XXXX  XXXX and XXXX XXXX and this problem with the said credit card is giving me the agony that is too much to handle. 

I need your help very badly. Thank you very much.
Product: Student loan

The original lender of this loan was Citibank Student Loans. I had taken out 3 loans in total with Citibank. Two were sold to XXXX XXXX XXXX, and one was sold to and serviced by XXXX XXXX ( XX/XX/XXXX ). 

There was original discrepancy when my account was transferred to XXXX from Citibank. Fast forward, I had not received an additional deduction off the prime rate of 0.50 %, a benefit that occurs after the first 48th payment. There had been a technical glitch where I submitted my forbearance application and payment, which I should not have been penalized for. 

Fast forward to XX/XX/XXXX, where Citibank ( via XXXX ) agreed to give me this benefit, and backdate the adjustment to XX/XX/XXXX. XXXX XXXX, XXXX ( XXXX ), sent me a letter which is attached to this complaint. I was suppose to {$1000.00}, which is what XXXX XXXX XXXX stated on XX/XX/XXXX. She said the credit went into affect on XX/XX/XXXX, therefore I asked her for proof since, I did not see a significant change in balance, other than the additional payments I have made. She mailed me paperwork, which I received early this month. Again, I did the calculations, and checked my bank statements, and did not see the {$1000.00}. I emailed and called her several times, to which I have not received any updated paperwork. Prior to XX/XX/XXXX, I called her almost every week regarding this credit, and there was no information. 

In comparison, XXXX XXXX XXXX, which bought two of my Citibank loans, immediately calculated and credit my account within days of notice and evidence of paperwork ( last XX/XX/XXXX ). 

I have been frustrated with this transaction with XXXX, and never received email responses back from XXXX XXXX, and had to call multiple times just to get in touch with XXXX XXXX. I would like to have the {$1000.00} credited to my account, so I can make significant payments to paying this loan off. I had called in XXXX - XXXX for status updates because of the impending rate hike. I have also carefully tracked this balance and my payments, and logged calls with XXXX staff. I would like for Citibank to issue the credit since XXXX does not have the capacity to fulfill Citibank 's request. 

I am attaching the original letter from Citibank, as well as the itemized documents that XXXX sent me with my notes, and multiple emails to XXXX XXXX, careful tracking balance of each payment ( my notes ),  and call log to numerous reps from XXXX. If you notice on the last two pages, there are pencil notes showing who made the payments, and where I should be seeing the {$1000.00}, but don't see. XXXX XXXX claims that it is a back-end technology issue, and was going to send me paperwork. However, I never received any paperwork past XX/XX/XXXX and it has been 2 weeks past the last time we spoke, XX/XX/XXXX. There are more documents that I can send, but given the limit of 10mb,  I can either mail and send them to you. I am only uploading what is relevant.
Product: Credit reporting or other personal consumer reports

Capital One Account XXXX sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. Capital One violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter every 30 days. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given Capital One written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of Capital One reporting on " card utilization '' to 3rd party/non-affiliate credit agencies.
Product: Credit reporting

XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2019 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

Ive requested that my credit report be updated all bureaus of correct balance and positive payments.
Product: Credit card

American Express advertised its relationship with XXXX as a feature of the XXXX XXXX The feature gives consumers up to {$100.00} for using XXXX to purchase airport lounge tickets through their website. I obtained this card in part because of this added feature. However, when attempting to use XXXX, the app does not allow purchases for all airport lounges. In visiting XXXX XXXX XXXX XXXX XXXX does not allow purchase to any, with over 10 lounges available at the airport. Instead, for the lounges I was interested in, the application simply told me to just walk into the lounge and buy a ticket. 

In reviewing the conditions and terms of this benefit, American Express is requesting that consumers purchase tickets through XXXX to receive the credit. However, the limited availability of the third party does not allow consumers to comply with American Express 's requirements. In addition, terms and conditions presented by American Express do not detail the limited availability of the third party, which, if disclosed, could assist consumers in making informed decisions about the card, as this card also comes with an annual fee. It is a tactic of American Express to market the card benefits as an attraction and that " the card pays for itself. '' Unfortunately, due to this relationship, this card does not. 

This appears to be a violation of the Federal Trade Commission Act, Section 5. Truth-in-Lending requires disclosures to be clear and conspicuous. Disclosures from American Express failed to detail that the third party does not permit purchases of all lounges, which would give consumers accurate information to make a credit decision. The bank has also failed to monitor and audit its third party, as the terms and conditions posed by American Express do not align with the offerings of the third party, presenting consumer harm. The marketing of this benefit by American Express is deceptive. 

I have already purchased two lounge passes with airlines that XXXX does not offer a sale for and I am requesting that American Express honor their agreement and provide me the {$100.00} statement credit come year-end.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX I XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$75.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX Balance : {$3700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX {$1500.00} ; XXXX XXXX XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$790.00} ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I have tired many times to find out why my account is being closed I have called them I have chatted with them and no one can tell me why I have a ticket number witch is XXXX and I talked to a supervisor and she said that she don't know why my account is closing when it's in good standing I have been trying to find out but get the run around the chat people tell me that they have limited access and keep giving me the policy website or another website or tell me that XXXX from the protection department emailed me mean while I never received it the only email I got was the account will close on XX/XX/XXXX no reason why or anything
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I opened a XXXX credit card back in XX/XX/XXXX, in XX/XX/XXXX, after losing my job, I became delinquent in my account causing it to charge off. Once I became employed, I tried to make my wrongs, rights by paying off my debts. In XX/XX/XXXX, I made contact to the collection department of comenity bank. I was offered by the representative if I paid the settlement amount, he verbally agreed to remove from my credit report. So I gave him the payment information and he said that my report would be updated 30-45 from that date. Instead my account updated to paid in full. I 'm very grateful for that HOWEVER I was lied to just to get my money and because it was a verbal agreement, it 's Comenity Bank word against mine. I was told it was a recorded line but out of the numerous of times thru out the years I 've call, I get different answers, they refuse to pull the phone call stating they do n't keep phone records that far back or not every call is recorded. I 've heard it all. On top of that, they will not give me the agents name or who I spoke to. I agreed to pay which I did and they agreed to delete which they did n't. Many consumers that I 've spoke with has had the same problem dealing with this bank, they do n't stand behind what they say and as someone that is trying to build a future, it 's hard to have this disappointing credit line on your credit report.
Product: Mortgage

According to a letter I received by Bank of America dated XX/XX/2014 it states : " we may not have provided you with the level of service you deserve, and are providing you this check. There is nothing you need to do other than cash the check '' I received XXXX checks in the sum of {$6100.00}. 

My curiosity wondered what 's this money for? and why is the letter vague with no calculations?, just a simple " There is nothing you need to do other than cash the check '' So where did this money come from?, what tax and accounting implications have been created by Bank of America are involved?
Product: Debt collection

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card

A Discover card was activated after having it for 2 years I called the day before I left for vacation to activate the account everyth6was fine advised discorer we would be traveling and the dates. The card was used for gas from XXXX to XXXX no problems it was also used at a hotel and retailstore still all was fine. 2 days into the trip we went to purchase has an item and it was declined. I called and spent 20 minutes on the phone and could not get any answers as to why. I finally dander a a supervisor because a t the point now my family and I are stuck until we can get ahold of our bank to be able to use them out of state and Discover shut the he card down. The phone rep stated it was on XX/XX/XXXX when this happened yet we were able to use the card until XX/XX/XXXX. So they allowed for us to leave and use this card thinking all was fine yet the card had been shut down for days and not even any kind of notification and they let us charge on it and left us stranded and let us charge on a card that was shut down.
Product: Credit reporting or other personal consumer reports

Please provide the method of verification for the disputed account listed on my credit report with these XXXX XXXX accounts listed, Account Numbers in question are : [ XXXX, XXXX and XXXX ]. I want these ( XXXX ) negative accounts Deleted from my Credit Report. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 7 ), you are required to provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. Please provide detailed documentation showing the steps taken to verify the accuracy of this account. XXXX v. XXXX XXXX, '' No. XXXX ( XXXX Cir. XXXX  ) reinforced that credit reporting agencies must conduct meaningful investigations into disputes and provide clear verification processes to consumers. 

Your repeated stall tactics and failure to conduct a thorough and reasonable investigation into these disputes demonstrate willful non-compliance with federal law. This lack of action is unacceptable and has caused me substantial financial and emotional harm. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XXXX/XXXX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments