23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX GRAIN TECHNOLOGY XXXX XXXX XXXX XXXX XXXX XXXX CA, NOTICE TO CEASE AND DESIST To Whom it May Concern ; I XXXX XXXX, consumer, and natural person, am aware of ALL rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ).

Pursuant to 1681a ( f ) Congress defines Consumer Report Agency : The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.

Which Grain Technology regularly engages in whole or in part in the practice of assembling or evaluating Consumer credit information for the purpose of furnishing consumer reports to third parties.

15 USC 1681a ( 1 ) States the banking system is dependent upon fair and and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

15 USC 1681 ( 4 ) States there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Grain Technology is reporting false and inaccurate information on my consumer report.Thats damaging my reputation, which is leading to XXXX, XXXX, and a host of medical and financial issues. This blatant privacy violation of furnishing false and inaccurate late payments without my knowledge is causing hardship and grief in my life. I demand you CEAST AND DESIST reporting late payments from my consumer report that your furnishing to all the consumer reporting agencies. 

Pursuant to 15 USC 1681n - Any person who fails to comply with any requirements imposed under this sub chapter with respects to and consumer is liable to that consumer.

Im giving you notice to CEASE AND DESIST furnishing the false and inaccurate late payments of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to all consumer reporting agencies immediately. 
Failure to comply will result in Civil Penalties. 


XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX got a loan for {$2500.00} from XXXX XXXX out of XXXX XXXX, CA via a mailing offering a loan up to {$2500.00}. 
After making several payments ( XXXX - XX/XX/XXXX ) at a rate of {$190.00} per month for 36 months. I was sent an e-mail because the company did an audit of my account and was told that the APR on my loan was higher than the maximum rate in the mailer. The company at the time told me in the e-mail ( dated XX/XX/XXXX ) that they were " taking the opportunity to honor the lower rate stated in my offer '' and that " any payments that I had already made above the amount required ( based on the reduced APR ) would be reapplied to the loan and have reduced the total amount I owed. '' In the mean time while this was happening with my loan. My mother had passed away in XX/XX/XXXX and I was in the process of getting pay off figures of several accounts including this one and on XX/XX/XXXX I was finally able to speak to a customer service representative because the initial phone number ( XXXX ) XXXX that is on the end of e-mail was never answered by anyone and I made note of this. I then tried a second phone number ( XXXX ) XXXX that is also listed in a different spot in the e-mail. When I did talk to a CSR about what I needed to do she ( XXXX ) told me that I needed to e-sign new loan docs that would reflect the new APR and a new account total of {$2200.00} for which I had also asked what the new pay off amount would be at the time which she told me was the above mentioned amount and no new charges would be added. I then told her that I would be sending a check on Monday, XX/XX/XXXX via Priority Mail ( they received it on XX/XX/XXXX ) in that amount and that my loan would then be paid in full. According to their website my payment was recorded on XX/XX/XXXX which is within the " 3 business days for payments to appear in your account ''. 
Now on XX/XX/XXXX I have received a letter in the mail from XXXX XXXX stating a lot of false information like " Past Due Since XX/XX/XXXX '', " Past due Amount {$36.00} '', " Unpaid Fees {$45.00} '' and " Total amount Due {$81.00} ''. There is also a totally different phone number now listed on this letter from XXXX XXXX ( XXXX ) XXXX. 
As far as I am concerned I will never do business with this company ever again nor will I ever refer a friend, colleague or family member to do business with this company. I also think that the FTC should do an investigation into their business practices and should take off the negative reports to the credit bureaus that they have submitted to my credit reports because they have made false reports to my credit.
Product: Debt collection

About : RPM - Receivables Performance Management LLC XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, WA XXXX T : ( XXXX ) XXXX On XX/XX/XXXX, I received a telephone call from the above referenced company. During that conversation, I informed them that I do not owe {$2400.00} to anyone. As I was trying to get clarifications and proof from them, all they kept repeating throughout the conversation was that I pay all my debts in time, and that my credit history is very good. I stopped the conversation by asking them to mail proving documentation to me, and also to stop all other communication with me, with my address, and to record that I dispute having any obligation for that debt. They kept calling repeatedly for months on end, and never provided any of the documentation that I had asked for during that telephone conversation. They started sending me invoices to settle the debt in lower amounts. Then to my surprise, on XX/XX/XXXX, I received a notification from a credit bureau that this company had made the debt of {$2400.00} public. On XX/XX/XXXX, I sent them a letter which copy I am providing here.
Product: Debt collection

To whom it may concern : I did not incur the debt which is indicated. The ATM machine ate my {$500.00} in cash. XXXX XXXX XXXX as well as the security guard at the PNC Bank witnessed the machine eating my cash. The bank credited my account. However, they have since rescinded the credit and applied late fees without providing any documentation. I was assured by the bank manager XXXX XXXX XXXX. That the machine would not be properly reconciled on XX/XX/13 and that I would not have a problem. However, since then they have billed me for {$500.00} which they owed me and tacked on late fees. I have not, nor has any attorney who represents me received : The video footage from the ATM indicating that it stole my money. 
Documentation that illustrates that the ATM machine was not reconciled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$110.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$160.00}, XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX Balance {$17000.00}, and XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Mortgage

I have never requested any information from or applied with this company ( imperium mortgage ). They first contacted me XXXX, I was contacted five times within the span of an hour on XXXX after requesting several times to be removed from their calling list. The last agent hung-up when I advised that they had called that many times and advised that their system did not have a record of calls being placed. Regardless of if someone is documenting if a call took place or not, the company is still responsible for harassing calls being placed to a consumer.
Product: Credit card

I made a reservation with XXXX on XXXX XXXX to rent a room at XXXX XXXX. I held the XXXX deposit on my Cashapp card. Its a XXXX balance owed. Cashapp is holding my deposit still, despite it being 14 days. I sent them the email holiday inn sent me, and still they refuse to release my XXXX dollars. All they give me is a generic message. I stayed at the same hotel XXXX XXXX XXXX, and placed the deposit on my bank card. I received my funds 2 days after checkout. I have no balance yet they keep responding with cash it, and not returning my funds. Im a single mom and I need my funds.
Product: Checking or savings account

My account was suspended XX/XX/2023 and they have asked me for pictures of my ID front and back and to provide documents of where I live I have messaged them and told them I do not have an ID that I live in a XXXX home and they refuse to work with me on how to solve this issue they keep sending me the same thing and I have almost {$7000.00} tied up in this account that I'm just trying to get out
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX  ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Credit card or prepaid card

I have the Goldman Sachs Apple Credit Card and have contacted them 2x about the problem that they froze my card for no reason
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The following accounts are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation of my rights to be penalized with double jeopardy. Because of this, BOTH accounts need to be removed from my credit report immediately due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested above deletions are made, please mail me an updated copy of my credit report : Account : XXXX XXXX ( XXXX XXXX  ) Account # XXXX Account : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX
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 violate the consumer financial protection ( 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 error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress for these violations.
Product: Debt collection

I have contacted the credit cards company about negotiating interest. I was told the company dose not negotiat at any point and will not. 

I am being charged interest while in collections with chase Bank credit card division. 

The hole point of collection is not be charged interest and pay back what you owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a single mother raising a XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this my XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts and inquiries from my credit report due to my victimization in a recent data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting these fraudulent items to be removed, as they were opened without my knowledge or consent. 
Account to be Blocked and Deleted : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$9000.00} Inquiries to be Blocked and Deleted : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I submitted an ACH payment of {$2300.00} from my SoFi checking account to pay XXXX XXXX XXXX XXXX  for a security deposit on a rental home. The money was debited from my account the following Monday morning, XX/XX/XXXX. 

On XX/XX/XXXX, I was informed by XXXX XXXX XXXX XXXX that I did not qualify for the rental home and that I would be getting my {$2300.00} back but that it would take up to 30 days. 

After explaining to XXXX XXXX XXXX XXXX that waiting 30 days for my money back was unacceptable, because I needed the money to use towards another rental home before the end of XXXX when my current lease ends, they said they would try to get me the funds sooner than 30 days out. 

On Tuesday, XX/XX/XXXX, XXXX XXXX XXXX XXXX stated that the funds were finally showing as pending in their bank account and that the following day the funds should be available so I could come pick up a refund check. 

I received a call from Place To Be Properties on Wednesday  XX/XX/XXXX stating that the funds disappeared from their account and are not available. I immediately reached out to SoFi regarding this issue and they were adamant that the funds had been drafted from my account and were at the merchants account. 

I have filed disputes and have been provided with a trace # that has given me ZERO information. The merchants bank is XXXX XXXX and I gave them the trace # of my payment, they state they get absolutely no results with the number provided. 

My money is sitting in limbo somewhere and no one will give me any answers. I have talked to XXXX or XXXX different representatives from SoFi and they have all told me the only thing I can do is file a dispute and it would take XXXX business days for a response, but I have gotten a response from them within hours of each dispute and they give me the same answerthe trace # and then they close out the email conversation so I cant even respond asking for the documentation they state they have. I just want the money to either be returned to my account or sent to the merchants account so they can refund me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus : XXXX, XXXX  & Equifax and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes.
Product: Credit reporting

I noticed that Equifax has removed my XXXX Credit Card off of my report without my permission and has dropped by credit score and credit rating. I did not authorize removal of my credit card.
Product: Checking or savings account

On XX/XX/XXXX my phonesnd wallet was stolen on XX/XX/XXXX I called cashapp they informed me my information had been changed and i had no access to my account but they locked my account with a {$55.00} balance but unlocked it the same day still no access to my account on XXXX first my new phone was received and finally gained access to account but no money they refunded the XXXX cheap transactions but the more expensive ones they ssy I authorized and I did not the total is around {$600.00}
Product: Credit reporting or other personal consumer reports

You are in violation for reporting the wrong balance for the account XXXX XXXX XXXXXXXX. Furthermore, the alleged debt is uncollectible since the statute of limitations is 4 years in the state of Texas. Please see the company 's response showing that the true balance was {$94.00}. You are reporting an additional {$100.00} on this account, and I can sue your company for negligence and false reporting. This account is to be removed within 7 business days. XXXX has already deleted this inaccurate account.
Product: Checking or savings account

On XX/XX/year> I went to PNC Bank in XXXX on XXXX XXXX XXXX and went to the drive up ATM which I do every month to deposit cash for my mortgage payment. At the ATM, I deposited {$3400.00} cash in XXXX XXXX and XXXX dollar bills only, however the ATM only accepted {$700.00} of that and spit out XXXX or XXXX XXXX and did not acknowledge the rest of the cash I put in. I tried to recheck the cash insert to see where the money went, maybe it was stuck or sticking out but nothing was there. I immediately went into the bank and explained what happened and initiated an investigation and asked for the XXXX to get someone to open up and check the ATM. They said they couldnt do anything to help and it would be XXXX days until they investigate. I said I was going to put in a police report since the ATM stole my money and then all of a sudden they were able to issue me the money the ATM took but didnt recognize ( {$2600.00} ) the next day. Fast forward to today, I get a letter from PNC stating that the investigation is resolved and that there was no error on the ATMs part and they are going to reverse the credit that they issued me. I have months of deposits showing me depositing cash at the ATM for my mortgage around the same amount so why would XXXX be any different? I have to fill out an appeal with PNC but the ATM is the picky option to deposit cash at this bank, they removed the tellers so I cant even have a human count my money let alone when an ATM malfunctions like it did this day, theres no one able to open it up and check so I had to wait days for help and come to find out it didnt matter anyway and its my word against theirs that I had that amount in my deposit. You should be able to see in the camera footage at the ATM I had a lot more than just {$700.00} in cash going into the machine, now what am I supposed to do?
Product: Debt collection

Numerous repeated calls every day. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX Ally Financial. Pre-recorded message each time, Very quick talking and not understandable at all. I believe I can understand they are looking for someone with same last name, who we don't know. 

Attempted to contact Number and asking for account number, which we don't have because we don't have an account
Product: Consumer Loan

On and about   XXXX   XXXX   XXXX  , I called my financial lender for an extension for my car payment before the note was due ( which is the  XXXX  of every month ). I was advised that it will cost me approximately {$95.00} to put the payment on the back end of the note and no interest would be charged for doing so. The representative advised, " We can do  two  notes if I would like, most of their customers choose this option to give them a little breathing room to get caught up with things. '' I agreed to have  two p ayments placed on the back end instead of  one. T he process took them around 45 days to complete and in the meantime I continued to receive calls regarding my payment due to the automated service.   The payment extension cost me {$2000.00} instead of the {$95.00} I was originally quoted. My interest is supposed to be a fixed rate of 10.93 % for a {$26000.00} car. They ended up charging me {$9800.00} in interest, the  two  car payments that was supposed to be on the back-end and plus the  two  car payment we requested to be put on back end of the note. If we had know that the interest rate was going to change and I was going to be charged an additional {$9800.00}, we would not have requested the notes be added to the back end.   In the beginning my notes was split between the principal and the interest and since this situation most of my note goes toward the interest with little to no money being applied to the principal in some cases none of it. My payment from   XXXX   XXXX   is missing which I clearly made. They also informed me that I did not owe a car payment for   XXXX   due to the extension and when I called to confirm I was continuously advised of this fact. I received no calls all month long which was suppose to happen according to them due to their automated service. At the end of the month, I received a phone call asking for the payment for the month of   XXXX  .   I have tried to resolve this with my lender and spoke to  seven or eight  different representatives a day and supervisors with the promise of a resolution. The lender would never return my phone calls. I have requested them to listen to the recordings of my call when I was provided this information and they have refused.   My interest on my car change every month along with the amount being applied to the principal. They advised me it is due to the number of days in the month and that their bank does not withdraw the payment on the   XXXX   when the payment is due and my automatic draft is setup to do cause my interest to change depending on when they decide to take it out.     Please review this information and help me with this matter. I am now  upside  down on my vehicle and stuck paying an outrageous price for this car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquire on my credit that I didn't allow to be on my credit. XXXX XXXX XXXX XXXX