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

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXInquired on XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX Inquired on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its mu understanding that you will in investigate these items to ensure maximum accuracy, here are the item I am asking you to verify as accurate. 

The Variance in reported balances across different credit bureaus highlights non-compliance with 15 USC 1681e ( b ) TransUnion report : XXXX  - Account # XXXX, High Balance {$3300.00}, Date Opened XX/XX/XXXX, Balance Owed : {$290.00}, Closed Date : XX/XX/XXXX, Payment Status : Collection/Charge-off, Past Due Amount : {$290.00}, Last XXXX, Payment Amount : {$0.00} XXXX report : XXXX - Account # XXXX, High Balance {$0.00}, Date Opened XX/XX/XXXX, Balance Owed : {$290.00}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$290.00}, Last Payment : {$88.00} as of XX/XX/XXXX XXXX report : XXXX XXXX Account # XXXX, High Balance {$290.00}, Date Opened XX/XX/XXXX, Balance Owed : {$290.00}, Closed Date : Not Available?, Payment Status : Collection/Charge-off, Past Due Amount : {$290.00}, Last XXXX, Payment Amount : {$0.00}
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 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.

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 47 financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

Made a payment to UAC on my account which got behide. I tried to log into the account and could n't. Called and they said it was charged off which I was never notified of. They had my email which I never g ot one or  any mail to let me know this. The person I spoke to just gave excuses.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent a wire transfer for XXXX $ from my Bank, XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX ) XXXX sent the transfer over to PNC Bank ( XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX ) on XX/XX/XXXX. The receiver has not received the money, so we have asked PNC to do a trace. That was requested for the first time on XXXX XXXX. XXXX has contacted PNC several times since, without a response from PNC. PNC will not talk with me because I do not have an account there. All I am asking for is a trace to see what the the hold-up is. Is it a compliance issue? Isit on someones desk at XXXXbank? I haveno information. From PNC the wire was supposed to go to XXXX XXXX XXXXXXXX in XXXX and then to XXXXXXXX XXXX In XXXX. I can not move forward on this problem without a trace. I do not know if it is still at PNC, or at the second intermediary XXXX XXXX XXXX.All my information is at PNC and XXXX, but if you would like documentation please contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. 
XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Also, their leadership, who were well aware of the hack, dumped their stocks prior to making the information public. This is entirely unethical and a poor handling of invaluable data.
Product: Student loan

I co-signed for my grandsons loan and now he is having problems making the payments. The company calls me 4 to 5 times a day and asks me when am I going to start making payments. I'm retired and can not afford to make the payments. My grandson currently lives with me and I'm trying to help him make his payments, but the only jobs he has been abe to get are landscaping which dose n't pay enough for him to afford to live on his own
Product: Money transfer, virtual currency, or money service

I am filing a complain 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 make 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 electronic fund transfer act ( EFTA ). Amd regulation E these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Checking or savings account

On XX/XX/2023, I went into a local PNC bank branch to discuss my CD with over {$13000.00} dollars in it. I had received a letter stating that the XXXX was maturing on XX/XX/2023. I was initially going to reinvest in another XXXX with a higher interest rate. The funds were visible on my PNC app and in my account from the bankers view. When the banker attempted to move the funds, she received an error message. I then said to forget the new CD, I wanted a cashiers check and I would take my money to a competitor. 
I had already had several issues with PNC in the past including difficulty with communication and CD with an automatic rollover being send to esheatment without my knowledge. It took several weeks to get my funds reinstated, and when it was reinstated, I did not have the option to remove my money, as it was just put into another XXXX with a very low interest rate. I have been receiving monthly statements for this current CD from PNC, with no indication there was an issue. 

On XXXX, The banker stated that she was not allowed to withdraw the funds due to an error message on the computer. She called a helpline and spoke to several people. After about XXXX minutes, she stated there would not be a quick resolution and took my phone number saying she would call me back. I did not receive a call back, so I called the branch the next day and spoke to the assistant regional XXXX. She stated that my situation has been escalated to IT support and they will be reaching out to me. 
Later that day, got a voicemail from PNC retail support stating that there was a glitch in the system. After attempting to call the retail support employee back multiple times, she finally answered, and explained The CD department is saying the funds are not eligible for release and to contact the esheetment department. The esheetment department was saying the funds have been released from their side and should be available. She would call me back when she heard something. I insisted on an update either way the next day. 
I had not heard an update as of XXXX the next day, so I called the retail support employee and she stated that she heard from both departments, but they were both stating the same, going back and forth saying the issue lies with the other department. 
PNC bank continues to refuse to allow me to withdraw my money, and close my CD despite the fact that the money is clearly visible and the XXXX has matured. Both the branch employees and the retail support agent clearly acknowledged multiple times that I have ownership on the entire amount listed in the XXXX, and am entitled to withdraw it.
Product: Consumer Loan

my statement says total amt, due XXXX..my monthly payment is XXXX..plus late charges XXXX. ( .i was told there was no interest on late charges .... ) you can check your quality assurence recordings for this ... so XXXX -XXXX= XXXX XXXX-XXXX= XXXX left what is this XXXX for and am i paying interest on it ( if so what is the % ) ..and if so, how much interest has " accrued '' ..and how much charged on a daily basis? is this reflected in my '' estimated " payoff balance?. or are you going to tack this with interest on to end of loan like I 've seen so many people complain about? your numbers are shady and I 'm going to keep disputing them every month if need be
Product: Credit card

I opened a charge card XX/XX/2024 mainly to accrue and use rewards feature. I made large furniture purchases and immediately paid off the balance as intended. The company would report any time I charged a balance no matter the day of month not only when statement closed causing my credit utilization to increase thus deducting points from my credit score and then company would fail to report when payment was made and balance reset to XXXX  so I continued to have points deducted from my credit score and not replenished. Company then closed my account without my knowledge or permission and claimed that I called in to request this. After multiple calls with supervisors I was told there was nothing that could be done and that if wanted the account re opened I would have to apply again for new credit and thus having more points deducted from my credit score for opening a new line of credit. I originally lost XXXX point opening the account, XXXX points within the few months of using the account and then account was abruptly closed. I suspect that since I wasnt a customer who ever carried a balance intentionally and built up a great amount of rewards in turn, that they didnt see value in supporting a client like myself thus finding a way to end the business relationship.
Product: Debt collection

Three times I have received a call from Recovery Management Solution about a debt that I have, I have explained why at the moment I cant pay, and that I am working on solving the issue but they continue to say they are going to freeze my bank account, that I will be seen as a XXXX  if they file a civil case, that I will have to way to support my kids because I will be a XXXX.
Product: Checking or savings account

On the evening of XXXX XXXX, 2017 my account went into a negative {$880000.00} because of a hold of {$880000.00}. I was not able to access my account and both of my cards have been deemed invalid. When calling customer service they could not help me. I called risk management and they could not give me any information other than Bank of America has decided to close the accounts. Both my personal and business account. This hold was from the bank itself not someone stealing my identity.
Product: Debt collection

Most recent XX/X/17 but has been occurring for months XXXX XXXX XXXX ( XXXX XXXX ) claims they are a process server to serve me papers filed with the county. They have attempted to serve me several times and will try one more time. 
They state they will be stopping by my where abouts. 
Nothing is filed in county. XXXX is public record When I called I told them they were in violation of the FDCPA and I would be filing a report they hung up on me stated I cursed, which I never did. I got yelled at saying quit playing the victim, you should n't have married a deadbeat, you just took a XXXX XXXX XXXX XXXX. 
I again stated this is past the statute of limitations ( 5 yr Oklahoma ) but proceed how you need to I will be filing a complaint he said you do n't have my permission. I stated the his permission was not needed. 

I have called them several times to try to resolve the matter and stated this is past the statue of limitations but continue to call, threaten, and harass me and my current spouse who had nothing to do nor ever did with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i sent in a dispute letter to XXXX, Equifax, and XXXX about some accounts that i saw on my credit report. That was over 120 days ago, i also have been sending in more letters every month to try and get these accounts removed or updated. The most recent letter was sent on XX/XX/XXXX. They have been ignoring me. The accounts are not accurate, and they haven't even verified them with me properly. They have failed to maintain proper documentation and accuracy with me. How can they just violate my rights with no explanation for well over 120 days? I always though that the Fair Credit and Reporting Act was supposed to guarantee that they report only accurate information. This is all really confusing because each reporting agency is showing different information. Some late payments are complexly wrong and unverified yet they wont remove them. Other accounts are closed yet still showing they are open and missed payments on a closed account, it is a complete mess. I just want all of the incorrect information on my account removed because this is stressing me out like crazy. I haven't filed an FTC report because i want to go to you all first and hopefully they will just remove all the inaccurate information now. But they are in violation of my consumer rights i need some help.
Product: Debt collection

I was contacted by Aldous & Associates in regards to a blink fitness debt that I do not recall acquiring after speaking with them on the phone they said the original dent was {$20.00} but they are looking to collect {$140.00}. After repeated phones to the company to get clarification they couldnt provide me with any information and sent the following email 6 times : Unfortunately, we still havent received your payment of {$140.00} owed to XXXX XXXX. This has been past due since XX/XX/2022. If there is a reason for this delay, please let us know. We have contacted you hoping we can resolve this quickly. Please pay the outstanding amount as soon as possible. You can pay {$140.00} conveniently online at the link below The representative threaten to report to my credit and show as delinquent after numerous. Once I let them know I would report to FTC they hung up the call and any time I mention the FTC any representative I spoke with would hang up the call.
Product: Credit reporting or other personal consumer reports

I was exposed to Identity fraud in XXXX so I created a profile with Experian, gathered contact information on the six fraudulent applications from four lenders as well as froze my credit. I recently received an alert through XXXX protection. When I went in to check my Experian profile, I couldn't access due to " incorrect password ''. I called Experian & explained I couldn't access & they stated the account had a different email/phone listed & they would have someone call me back to rectify. I never received a call back. Two days ago I tried to get through their automated service and the prompt stated they see I need to change my password & that an email would be sent to my email on file. I never received the email as it went to the fraud email address. I called over five times today trying to get to a live agent & once the automation allowed access to a real person, I'd explain the issue & they would tell me I need another department just to be put back into the automated system. When Experian allowed a fraudster to gain control of my profile, locking me out, they put my credit at risk as the fraudster can unfreeze & reek havoc.with my credit. Experian even opened credit to the fraudster in my name. I explained this to several of the five employees today to no avail. PLEASE HELP
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 Hard Inquires was pulled from my Credit Report from XXXX XXXX, XXXX XXXX XXXX without my consent. I sent letters XXXX  months ago to the consumers asking for verification & have not got any response.
Product: Vehicle loan or lease

It's been 7 months and I've yet to receive resolution with Santander Consumer. After speaking to a cus. rep 7months ago regarding being incorrectly reported to the credit bureaus. Based on the recommendation the rep expressing tge amout to pay to avoid late fees and being reported to credit bureaus. My account has been reported late in a discrepancy amount of {$120.00} base on the recommendations of this rep. In speaking with two individuals from Santander Executive Escalations department NOTHING has been resolved. All Escalations has done but make promises to callback after going through the SAME..asking many questions, deflecting the fact that the original rep, mis-spoke regarding payment. However I will not be penalized for the rep 's mistake. I've asked for the call to be pulled, which happend, however more deflection comes from Executive Escalations.

This issue has caused me not to be able to refinance. Of which I was very very clear about NOT being reported to Credit Bureaus on the " initial call ''. The first Escalations Rep stated the protocol Santander would have to submit to have this late payment reversed!! .. alluding to it was to much of a hassel on their end to reverse. The second Escalations rep, stated he listed to the call, but when asked if the rep stated the payment would not be reported as late, he began to deflict and ask " which month are you speaking of ''?. ARE YOU SERIOUS THERE'S ONLY ONE!!!!! payment reported incorrectly!! I'm willing to have phone call subpoena if need be, as yhis is on-going with NO RESOLUTION ...

This is not the way to conduct business and reporting to " every '' entity to get a resolution is what my intentions would be. 

Remove this item from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unverified item listed below appears on my credit report in violation of Federal Law. EXPERIAN is 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. As required under Section 611 ( a ) ( 7 ). EXPERIAN was advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. On XX/XX/2018, a formal written request for investigation/notice of dispute was submitted to EXPERIAN. They failed to provide verification for the  following account : Account Name : XXXX XXXX XXXX Collection Account Account Balance : {$4000.00} A second written request was ignored. I received a standard response indicating that they will not provide verification or reinvestigate, though they continue to fail to provide any name, contact information, or details on the initial investigation they allege to have completed. This unverified account remains on my credit report despite contacting EXPERIAN and being unable to establish contact with the alleged CREDITOR.
Product: Credit card or prepaid card

Hello, I have spent over {$30000.00} on the XXXX XXXX card in the last 6 months and currently have a {$0.00} balance according to their app. I made payments of {$1700.00} and {$290.00} on XXXX & XXXX and those payments have cleared my bank account. The bank is holding my money and not releasing it ( making interest at consumers expense ). They released my last payment of {$1200.00} on XXXX. I am a great customer and they are not releasing credit back to the card - keeping my payments XXXX. It is unethical and at the expense of it's customers. I should be commended for being a great customer and yet I get this poor service. 

I would reconsider using this card if you value service. 

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

At the beginning ofXX/XX/XXXX, Coinbase closed my account with their service and their exchange GDAX. I had been a customer of theirs since early XXXX. My account closure has caused me significant financial stress when dealing with digital currency. I have reached out to Coinbase support many different times asking for any explanation for my account closure. I have recieved nothing from them offering any sort of explanation or help to resolve this issue. The customer service has been nothing short of awful to someone who has been a customer of theirs for nearly 4 years. I still have get a resolution, just non-existing support.
Product: Prepaid card

I ordered a new card and it arrived. I activated the card and used the card on-line to pay my rent via XXXX. My labtop has been acting weried so I took it to the repair shop and the computer repair shop founr a remote access XXXX  virus on my laptop. 
This explains why and how is the same charges that are not my charges continues to show up on my card. 

Bank of america XXXX  prepaid card said because i already had a claim within the last XXXX  days that i was not able to dispute these charges. 

i should not be required to pay for something i did not use. i dont understand why bank of americas fraud detection system did not freeze the card untill i verfied. the following are back to back charges that would be inconsistant with any true card owners transactions.

multipule XXXX XXXX back to back transactions for small amounts DATE TRANSACTIONS AMOUNT XX/XX/2023 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 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 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 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