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

The loan with XXXX XXXX  entered into a covid-19 forbearance. At the end of the forbearance, the payments were made by the state of Texas to keep the account current and up-to-date. XXXX spent over 12 months denying my request to move from forbearance to repayment plans stating that the entire balance of the forbearance must be paid in full to make any payment whatsoever. All or nothing. In XX/XX/year> the account entered into an agreement to begin repayments in the form of three trial payments to begin XXXX through XXXX, each payment was made on time and successfully completed as agreed, however on the final month of the payment plan, XX/XX/scrub>XXXX XXXX XXXX   in bad faith and in violation of the FCRA falsely reported the account as 120 days late. The account was fully listed as current, and went from " no data '' to " 120 days late ''. This massive hit on my credit has lowered my score over XXXX points, and means that I am unable to refinance, obtain better employment, it has jeopardized my XXXX XXXX XXXX, and it's based under a false pretense. All payments were made on time, as agreed, as dictacted by our contract, but XXXX through sheer malice and ill-intent falsely reported it as late to deny me my rights under the FCRA. Efforts to remedy this with XXXX have been met with extreme hostility and a denial of wrongdoing as well as a false representation of the payment history. The representation to the credit bureaus says that I made XXXX payments on time, while XXXX was pocketing my money. They received money, and while recieving it, reported negative blatantly lying information. This is criminal conduct that I attribute personal malice towards and should be met with reprimand by CFPB.
Product: Credit card or prepaid card

I have promotional balances coming due. The regular monthly payments do not get applied to promotional balances. They only apply payments to regular fixed payment reduced APR. You can call and make an extra payment only after you initial minimum payment is applied. When you tell them you want the extra payment to go towards a particular promotional balance, they say no problem, then continue to do a payment allocation. They even give you a confirmation number. After having to wait 72 hours, I check my account and the extra payment is treated as a regular payment for the next month, and only applied between fixed pay accounts. They have no interest in having you pay off the 12 mo no interest amount so they can hit you with an extremely large interest fee. This has happened in XXXX and now XXXX. When I call to complain, they tell you they will correct it and wait 72 hours again to see it appear on your account. By this time, you are already into the next billing cycle. And the problem stars all over again.
Product: Credit reporting

EQUIFAX and Dispute Process Equifax Confirmation # XXXX, I have recently pulled my credit report and identified an unauthorized request to pull my credit which is considered hard hits to my credit report. Needless to say, these hits have reduced my credit score. XXXX XXXX XXXX XXXX XXXX within a six month period pulled my credit report XXXX times without my authorization and then the credit union was sold to XXXX XXXX XXXX XXXX who also pulled my credit report without my permission. I disputed these items with Equifax, and they have stated the records are factual and will not be removed. I inquired as to how they are factual because I did not authorize the pulling of my credit report for either agency. They stated because they have my credit information they can pull my credit report at any time. I questioned this because that means they are saying anyone who has my information can pull my credit and become a hard hit without my authorization and it counts against me. The statement made no sense. I then asked in their re-investigation did they ask the credit union to provide authorization by me to pull my credit report and provide proof from the consumer of this request, should n't I have been notified. Equifax response is they have no control on what is reported, so I asked then what are your investigation if " I '' the consumer is saying it 's authorized and fraudulent. The action seems to be an improper business practice by the credit union and lack of investigation into that accuracy of data from the credit reporting agency Equifax. I have seen marketing soft pulls for my credit which do not affect my credit score, but these multiple requests of my credit report from this agency seem fraudulent and is an attempt to draw to my score even further. I wish to have these unauthorized request removed from my credit report, and the reporting agency revises their investigation practices and further train their employees. Simply stating they have my information causes enough to pull my credit is not a reason to pull it without my signature or authorization or notification to the consumer of such a request.
Product: Credit card

On XX/XX/year> I was notified by XXXX that a new account had been opened in my name. The account was for a Jet Blue credit card through Barclays Bank Delaware. 
I immediately notified Barclays Bank that I did not open the card. I also requested that the bank send me the application that was used to obtain the card. 
On XX/XX/year> I received the application and a statement from Barclays Bank that said there was a balance on the credit card account in the amount of {$3300.00}. 
On XX/XX/year> Barclays sent a letter stating that the investigated the fraud and determined that " the account is valid, because it was determined that you opened and authorized the application for credit. The fraud status has been removed and monthly statements will resume. '' On XX/XX/year> I picked up my mail and immediatedly called Barclays. After multiple hang ups from their customer service department, I was able to speak to a XXXX XXXX. I told her that I did not open the card and the application had an extremely old email address that I did not use as well as an old address. She determined that the card had never been activated, but could not explain how someone could have made the transactions without the card. 
On XX/XX/year> Barclays sent another letter. This letter stated the same thing that the " transactions you identified are not fraudulent. '' I did not open the account and I did not authorize it. I should not be liable for the charges, AND it should not be reflected on my credit report. 
No one from the Fraud Investigation Department ever contacted me to ask any questions and the customer service at Barclays is the worst that I have ever encountered.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cashapp ( block inc ) due to inadequate customer service and unfair practices which violated the consumer financial protection act ( CFPA ). Specially cashapp failed to take timely and effective measures to prevent or address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unavailable. They had no live customer service and rarly answered any security or account issues that accorded to my account multiple times. They also randomly closed or frooze my account without explanation and took my funds that was on the application. They repeatedly caused me financial loss and never addressed it because they had no customer service. They also never addressed when fraud accord in my cashapp account. I was forced to close my bank account multiple times and change my debit card multiple times.
Product: Credit reporting 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 Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

The Set Up In late XX/XX/XXXX, I was selling my car. A buyer online offered to buy it for {$4000.00}. He agreed to send me a certified check from a bank in the purchase amount plus an amount to pay the transport person. The buyer sent the check for {$5900.00}. I was to keep the {$4000.00} and send by XXXX the {$1900.00} to the transporter. I thought this was strange, purchasing a car without seeing it and then having me give the money to the person to move it. But, I knew I would do nothing until my bank ( U.S. Bank ) told me the check cleared. I deposited the check remotely using my U.S. Bank app. On XX/XX/XXXX, within XXXX hours, U.S. Bank notified me the funds were fully available/check had cleared the clearing house. I then made the transfer of the {$1900.00} based on my bank telling me the funds were available. 

The XXXX Sting U.S. Bank told me the money was available. I would not have sent the {$1900.00} by XXXX had U.S. Bank not done that. They blew the whole clearinghouse system process and caused my reliance. 

The XXXX Sting The BuyeXXXX contacted me on XX/XX/XXXX, that a family tragedy had happened. They needed the remaining money back, minus {$500.00} for my troubles. I became suspicious and refused saying I would not XXXX any more money. I needed to consider what was going on. I thought I was being used in a money laundering scheme. I began to investigate the bank on which the check was written and it no longer existed. It was purchased by another bank around XXXX. The defunct bank was called " XXXX Bank XXXX XXXX XXXX. '' I called U.S. Bank as soon as they were open next to report the fraud. They said it was likely a fraudulent check. I replied " not so '' because U.S. Bank had already noted it available for use/the check cleared. The bank conducted an investigation based on my complaint about the fraud and the banks negligent behavior. The bank determined on XX/XX/XXXX that the check was fraudulent, docked my account, and sent me a returned deposit notice. On XX/XX/XXXX, more than XXXX days after beginning the investigation, I received the notice that U.S. Bank would not take responsibility for their error. I had been told by their fraud department that if they took more than XXXX days they would give the money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern ; I have tried numerous times to get this inaccurate account deleted off my consumer report and I have exercised all possible methods. I have disputed this account with all ( XXXX ) consumer reporting agencies ( XXXX, Experian and XXXX ) and with the account holder ( XXXX XXXX XXXX ), As well as requested verification of this debt. It is my understanding that not only is it the consumer reporting agencies duty to report accurate information on consumers and furnishers should also verify the information before reporting it. 

I requested undeniable proof as well as any binding documentation with my signature and only received a copy of a ( 1 ) bill statement that did not have my name and listed an address, I have never lived at. This was sent to me by XXXX XXXX XXXX. 

I am listing all the violations under the FCRA that apply to my specific situation. 


Violations under FCRA 15 U.S. Code 1681S-2 Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.Code 1681s-2 ( a ) ( 1 ) ( B ) After a dispute, the information can not be furnished if the information is in fact inaccurate.

15 U.S. Code 1681S-2 ( 1 ) ( A ) Reporting information with actual knowledge of errors 15 U.S. Code 1681b ( c ) ( 2 ) - In accordance with the written instructions of the consumer to whom it relates Here are the violations- I am not the owner of this debt. Therefore, this account should have been properly verified for credibility of the account before reporting it on to my consumer report. 
- I have 10 inaccuracies reported on my consumer report. 
- Defamation of character - Loss of opportunity due to inaccuracies. Because of poor verification practices. 

Debt Collector Address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Debt Collector : XXXX XXXX XXXX - XXXX XXXX XXXX Account # : XXXX Amount : {$750.00} This inconvenience has cost me to lose the possibility of acquiring a {$30000.00}. credit card, For which I am seeking damages of {$1000.00}. per violation under the Fair Credit Reporting Act ( FCRA ).
Product: Credit card or prepaid card

Company closed account and marked restricted I have had ZERO issues with capital one of any other credit card in my life. 

My bank account attached was compromised of which they were advised and I informed I prefer debit Pmt but it was not enabled so they would typically take through phone or certified. 

My account info May have been attached to old phone otherwise no issues at all they advised they were reopening for weeks then they said they couldnt reopen but they were removing restriction mind and still not done Mind you Ive been laying like clockwork all along since this time Ive paid in full the other not much further to go This is absurd one supervisor says oh youre blacklisted but thats weird you have good history otherwise this shouldnt be the case let me get you to fraud i get to fraud we have no idea why you were transferred to us there are no issues and we dont do blacklists? Well a 2 sec XXXX search and multiple supervisors say otherwise. 

I read horror stories of people ripping them off and simply filing bankruptcy and getting approved for thousands thereafter but my under {$900.00} account that is pays timely is restricted and I am blacklisted mind you I have an auto through you never an issue either and substantially more per month
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no XXXX XXXX XXXX may make any XXXX XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any XXXX XXXX XXXX  if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My name is XXXX XXXX, I was a Wells Fargo customer for many years. In 2021, around Covid, I was receiving what I thought to be incorrect atm withdrawal overdrafts. I was not using atm 's at the time. Wells Fargo put a hold on my account, froze my credit and made it impossible for me to even open another account. A few weeks ago, I got a letter from them saying that I was right and the overdrafts were their fault and they wanted to make it right by issuing my a check for {$100.00}. I refused this amount because I am unsure if the amount is correct since I no longer have access to my account. Furthermore, my credit has been ruined for the last two years, causing me to be unable to sign a lease, get a bank account, has hindered me from getting a better job, ect. I am a XXXX XXXX living out of a motel room at the moment and I work at a XXXX XXXX XXXX. Employers look at credit reports, and mine still says I am negative to a major bank. I told Wells Fargo that I deserved compensation for the trials I have endured to which they replied, no. They have already admitted guilt of theft on a federal level because they are FDIC funded. A simple apology and giving a moderate check in an obscure amount is not enough... .my life is still in turmoil because of this ... .please help me bring them to justice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I was late on a payment on a couch that I financed through XXXX XXXX. My balanced increased on the couch {$41.00} and it caused my score to drop 129 points. I believe that is completely unfair. I have tried to dispute this with no success. 

I was so upset about the missed payment because I was overpaying on the couch that I paid {$1000.00} on the couch a week later and it only moved it back up 57 points. 

I dont care what algorithm, scale, or formula they use, no {$41.00} dollar balance increase on a {$4000.00} couch should cause your score to drop that much.
Product: Debt collection

We are being contacted by the company XXXX XXXX. They do not disclose that they are trying to collect a debt when they speak to us but are threatening to serve us with a summons. This debt was paid last XXXX and we have the paperwork saying it was settled. They do not have a website or XXXX street address and I can not find the XXXX. XXXX address they provide online either. They know our social security numbers. They do not disclose whether or not the call is being recorded. A " courier '' called from a blocked number and asked for our address to serve papers too.
Product: Mortgage

PNC ( acct. # XXXX ) is my first mortgage and XXXX XXXX XXXX XXXX XXXXXXXX ( acct. # XXXX ) is my second mortgage. 

I am in significant hardship due to Covid-19. I'm trying to sell the house because I can no longer pay both mortgages. I have repeatedly filed hardship letters to both companies and they continue to misplace my request for a short sale. They are continuously losing my personal documents and then closing my cases. 

I filed everything by fax ( XX/XX/XXXX ) from a PNC branch for a hardship/short sale. It was over 100 pages with my loan number on every page. I was then told more documents were needed. So on XX/XX/XXXX, I emailed additional documents to PNC XXXX XXXX and now I'm told my request for a short sale has been closed? WHY? 

I have had the 2nd loan since 2007. And just learn that a XXXX loan will not be paid off until XXXX at 11.5 %. INn the past I tried to refinance and was told I couldn't. To date I have paid {$54000.00} on a {$31000.00} loan. And have been stuck with it. The investor on that loan is XXXX XXXXXXXX XXXX XXXXXXXX. That loan has been sold many times as well. 

I have a buyer who has patiently been waiting. PNC and XXXX XXXX has copies of the settlement HUD. 

I have called PNC and XXXX XXXX several times..and each time I spoke with a different representative and was told different scenarios. 


I was told things were missing from the XX/XX/XXXX fax... but was recovered when I complained. 

I am in dire default of my loan because of Covid-19. And facing significant hardship. 

I am trying to sell the house and PNC snd XXXX XXXX representatives are very misleading in my case. 

As to PNC : I need someone to explain why I'm {$51000.00} in behind payments? My principal amount prior to default was approximately {$210000.00}. My payments were approximately XXXX which was interest and principal. So being in default ... shouldn't interest be the only thing ongoing? I now owe approximately {$260000.00}? Please explain how in 25 months of default im getting hit with my principal on top of interest. 

In any case, I need this all clarified and resolved ... as I am trying to sell it. I need a recalculation of what is owed and a short sale. As the settlement is XX/XX/XXXX and IRS had liens on the house too. They are releasing the liens for only 30 days. XX/XX/XXXX to XX/XX/XXXX. 

Again, I applied for both short sales on XXXX
Product: Credit reporting or other personal consumer reports

I want these inquiries deleted because I did not authorize these companies to run my credit. 

I have two inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

The company is GoodLeap my opinion a fraudulent company. My payments were not being credited and when I got a payoff figure they failed to post it to my account. This has been going on now since the beginning of XXXX. I called yesterday and asked for a statement showing the account paid in full and they refused. I have contacted my own Attorney to let them know that his company GoodLeap steals consumers money. I have also contacted their local ( city or town ) Attorney General to report the misuse of funds. 

Regard