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

On XX/XX/XXXX I paid XXXX XXXX {$1100.00}. This payment changed my account balance to XXXX. I have disputed the account balance information with all three credit bureaus multiple times. The last dispute was submitted on XXXX  and the results show that the account balance is correct-meaning that I still owe XXXX dollars. I contacted XXXX XXXX today XX/XX/XXXX to ask why my credit reports have not yet been updated I was told by the representative that my information was sent to the credit bureaus on XX/XX/XXXX and shows that I have a XXXX balance. 

After calling XXXX XXXX I contacted XXXX by phone to see why the account is still showing a balance. I was told by the XXXX representative that XXXX XXXX sent them an update on XX/XX/XXXX showing that I still owe XXXX dollars. 

I have made several disputes online, and several phone calls with XXXX XXXX as well as all three credit bureaus. None of them are updating my credit reports to show that this debt has been paid in full. I was denied for a business loan because this information is incorrect.
Product: Checking or savings account

On XX/XX/year> I received a " boost '' of {$5.00} which I tried to utilize but it was declined. My checking account was negative {$4.00} and if the boost went to clearing that it would've been fine. It wasn't, yet the {$5.00} was deducted from leaving XXXX XXXX  left. 

I contacted support through the app and was advised to call them. I did so and was told that it would be escalated and I'd receive an email. I had spoken with them several times only to be told to send a screenshot of the transaction that was declined which doesn't show on my side. I advised them of this and stated they ought to see why the {$5.00} was reduced to XXXX on their side. They advised me to call support again which would only put me in a loop. 

Chime took {$3.00} of the funds I was supposed to have and has been unable to justify why. I have filed a complaint with the attorney general, XXXX XXXX XXXX and now here for their theft of my funds.
Product: Checking or savings account

On XX/XX/23 at approximately XXXX I attempted to withdraw {$3000.00} from a bank ATM inside Chases XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The ATM did not disburse my funds. The funds were however removed from my account. 

I spoke with several branch employees and with the claims department with no success. I've asked repeatedly for them to count the funds and review security footage to corroborate my claims and they refused. They have stated I would need a subpoena.
Product: Debt collection

On XX/XX/XXXX, I was informed by letter that I had a XXXX XXXX period to respond to a final notice of debt collection before legal action was taken. Before that XXXX XXXX  period was over, my case was remanded to a legal team. In response, I reached out to the company, in an attempt to verify my debt. They declined to do so and reported my account to collections.
Product: Student loan

Hello I am making a complaint about NAVIENT AND DEPT OF EDU/ NAVIENT. 
I HAVE SENT OUT 4 LETTERS WITH NO RESPONSE ABOUT WHY AND HOW ON EARTH DO I OWE {$93000.00} IN DEBT AND THERES 14 ACCOUNTS ON EACH BUREA WITH THERE NAME REPORTING ON ALL MY 3 BUREAS, THEY ARE DAMAGING MY CREDIT AND CREDIT REPORT AND CANT EVEN RESPOND WHY SOMETHING ISNT RIGHT WITH THIS AGENCY PLEASE HELP AND ACCORDING TO FCRA IF THERE'S NO RESPONSE AND IT HAS BEEN ON 30 TO 45 DAYS ITS MUST BE DELETED UNDER THE STATUE OF LIMITATIONS THANK YOU SO MUCH CFPB FOR HELPING AND YOUR WORK YOU DO IT IS HIGHLY APPRECIATED.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX asking for validation on XX/XX/2020 and XX/XX/2020 and never received a response. XXXX has since removed this account from my XXXX  report. 
I sent a letter to ERC regarding validating this XXXX account on XX/XX/2020 and XX/XX/2020. I did not receive a timely response. A response was received after I mailed the XX/XX/2020 letter. ERC submitted documentation claiming to validate the account. All I received were billing statements not addressed in my full legal name. 

I sent a request to XXXX and XXXX on XX/XX/2020 and have not received a response.
Product: Mortgage

I applied for a refinance back in XX/XX/2021. I waited a reasonable period of time to receive a Loan Estimate and conditional loan approval. However, neither were ever provided so I escalated the issue on several occasions and TD Bank never responded. 

I continued to reach out to TD Bank and as of this date they have not responded.
Product: Credit card or prepaid card

The entire banking system is majorly flawed in it's design and how it uses credit scores. 
I have a low credit score with XXXX marks on my credit besides credit utilization. 
I am trying to pay off my credit card debt which accumulated when I was out of a job. I've already paid close to my total bill just in interest and there's no way out as the overwhelming majority of your payment goes to the interest. I tried to get XXXXapr balance transfer promotional credit cards so I can actually pay down the debt but a high credit utilization makes your credit score go down and no bank will approve with such a low credit score. 
In short banks will give you as much money as you want as long as you can prove you absolutely don't need it. The system of just looking at credit scores is broken. If they'd look at my history they'd see I've never missed a payment in my life although I'm starting to think maybe I should. 

Attached is yet another declined XXXXapr credit card application ( this one from capital one ) that says we'll send you a letter that will come in 10 days and say the same vague statement that at this time we can't approve you blah blah blah blah blah blah blah blah blah blah blah. 
Then when you call them you get the same answer that they can just enter into the system and basically they can't do anything either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each year I have to reapply for Income Driven Payment plan for my student loans. My payment for XX/XX/XXXX was {$170.00}. I received an email on XX/XX/XXXX advising that my payment will increase to {$420.00} on XX/XX/XXXX if I do not reapply by XX/XX/XXXX. I submitted a new application with new financial information ( pay stubs ) on XX/XX/XXXX and received a confirmation email that it was received. Then I received an email stating that my application was approved on XX/XX/XXXX but on XX/XX/XXXX I received an email stating my payment still had increased to {$420.00}. I called into XXXX  because I had provided all the information and got my application prior to the deadline and received the approval notice. The representative advised me that for some reason my information never got processed but could n't give me a clear reason as to why. My new and largely increased payment was coming up and I had to provide more income information since it had been past 30 days of the original pay stubs I sent in. Because I would not be able to make the new payment of {$420.00} by the due date and I did not know how the it would take to process AGAIN I had to opt for one month of forbearance while they were AGAIN processing the information I had to resend in. I received another email stating my application was approved on XX/XX/XXXX. But because of the forbearance my credit score dropped 48-58 points between XX/XX/XXXX and Equifax on XX/XX/XXXX. I called a XXXX representative and they did not provide any help. I am extremely upset because this was not my fault that I had to do a forbearance because they did n't properly process the information the first time. Along, with I was not late on a payment. My credit score should not be affected for the errors that XXXX made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to all three ( TransUnion, XXXX, XXXX  ) credit bureaus containing to fraudulent inquiries on my credit report. Ive sent them all documents theyve asked for in the last four months and still nothing has been done to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB Officer, I am writing to dispute several unauthorized hard inquiries on my credit report that I do not recognize. The following inquiries should be removed from my report : XXXX XXXX ( miscellaneous ) on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/2022 XXXX  XXXX on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) sections 611, 609, 605B, and 616, I have the right to dispute inaccurate, incomplete, or outdated information on my credit report. However, I have experienced significant difficulties in attempting to resolve this matter with the credit bureaus. I have been unable to get a timely response to my letters or phone calls, and have even been hung up on due to a difference in dialect. 

I request that these inquiries be promptly removed from my credit report, and that the credit bureaus provide me with a written report of their investigation. Additionally, I request that the credit bureaus take immediate steps to address their customer service practices and ensure that they are able to communicate effectively with all consumers, regardless of their accent or dialect. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : Credit Reporting/ Cares Act/ FCRA, remove/ delete COVID-19 late payment request ATTN : Experian/ Report Number : XXXX, Dispute on XX/XX/2020 The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis.

The CARES Act requirement to report accommodated accounts as current effected by the pandemic. The amendment defines " covered period '' as the period starting XX/XX/2020, until the later of 120 days after enactment of the CARES Act or 120 days after the end of the national state of emergency declaration. 

I notified my creditor that I was affected by Covid-19. And the reason my payments were delinquent was due to COVID-19 financial hardship. I requested a deferment/ forbearance. I have never been late before the COVID-19 Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on auto-pay a very long time with XXXX. In XXXX of 2022 and XXXX of 2022 I contacted customer service to put me back on autopay. Both times they confirmed auto-pay was in place. 
On XXXX I paid XXXX in full for {$130.00} On XXXX XXXX reported me {$130.00} delinquent dropping my credit score 69 points. I have tried many ways to request they remove it from all credit bureaus. 
They have refused to do so. 
I have been denied credit because of this at least 6 times for new credit cards or debt consolidation or personal loans.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to address a recent inquiry made on my credit bureau report XXXX XXXX, which appears to be related to Capital One. Upon reviewing my credit report, I discovered a hard inquiry that I did not authorize or initiate. This inquiry is associated with my personal name, and I wish to clarify that I did not apply for any loans or credit with Capital One. 
As such, I kindly request clarification regarding the reason why this inquiry was pulled on my credit report. I believe there may have been a misunderstanding or error, as I have not engaged in any financial transactions with Capital One. 
Furthermore, I would appreciate it if you could provide written confirmation that there are no accounts or credit facilities associated with my name at Capital One banks. This confirmation is necessary for me to rectify this discrepancy with the credit bureau and have the unauthorized inquiry removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect information on my credit report. It has been over 30 days and I haven't received a response.
Product: Debt collection

Before XX/XX/2023, Midland Credit Management send via XXXX a letter pertaining to a debt they purchased and offered to accept {$50.00} biweekly payments to pay of this debt. The letter states that the offer must be responded to within 15 days of the dated letter. This letter is dated XX/XX/2023. It however was received on XX/XX/2023. This would require a response within 3 days of receipt in order to be able to comply. This tactic is abusive to the consumer and does not provide sufficient time for the consumer to weigh the options and to properly budget for this payment into their routine. To demand a response within 15 days of the date of the letter, but to withhold it from immediately being sent to the consumer appears to be a common issue I personally have experienced as other letter which do not have direct tracking, have been received nearly an entire month after the date of the letter. These can however be verified with USPS informed delivery as daily emails are received with images of what is expected to be delivered that day. Several communications from Midland Credit can be proven to have been received by more than 21 days after the date of the letter, and after the stipulated " respond by '' date stated in the letter. This violates the rules and regulations set by federal lawmakers on the practices of debt collection and is a tactic that should be addressed immediately.
Product: Mortgage

I settled with Citi in XX/XX/XXXX on a HELOC. They provided me a settled letter ( attached ) as of XX/XX/XXXX. They continue to report 120-day lates XX/XX/XXXX-XX/XX/XXXX on  XXXX which is causing that score to be 100 points less than the other two bureaus and the reporting of lates is hindering me from a new home loan. The status is also 120 days late instead of settled for less than the full amount. SEE ATTACHED DOCS
Product: Debt collection

In or about XX/XX/XXXX I started getting mail and phone calls from Portfolio Recovery and Associates ( PRA ) about 3 separate accounts originally belonging to XXXX XXXX. I believe that the dates and amounts are grossly misrepresented and conveyed the same to the collector requesting validation for the alleged debts and failed to receive anything except for a demand letter. This occurred about 2 months after receiving the initial letters and calls. In XX/XX/XXXX I  moved and had not heard from them after I had demanded validation. In the Fall of XXXX, I noticed that these 3 accounts were on each one of my credit reports with the 3 major credit reporting agencies ( CRA ) : XXXX, XXXX, and XXXX. At this point, I disputed and re disputed these accounts with the CRAs with the same incorrect information being updated and further damaging my credit standing. Additionally, earlier this year in XXXX, PRA started reporting and did so SIX times an incorrect address in Arkansas on my credit bureaus causing a couple of creditors to flag my account. I have never lived or even been to Arkansas. Finally, I sent a demand for deletion to PRA and have not had any response and the accounts have not been deleted.
Product: Checking or savings account

Bank of America is taking {$10.00} a transfer from savings. They have taken almost {$300.00} from my savings account.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Incomplete shock, I found errors on my credit report today and have no explanation for how they ended up there. I always check my report to ensure accuracy, but now, for some reason, incorrect accounts have appeared. I even refreshed my browser multiple times, thinking it might fix the issue, but the inaccuracies remained. Im pleading for my documents to be reviewed with care so I can finally stop stressing over this situation.
Product: Credit reporting or other personal consumer reports

I am submitting another complaint as a follow up still regarding several unresolved issues that demand immediate attention. According to FCRA section 605, it is imperative to remove any items listed on FTC REPORT # XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report # XXXX. I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that you have a four-business-day window to remove the reporting of any fraudulent items from my credit file. I do not consent to XXXX or any form of automated verification. Your swift attention to this matter and a response within four business days would be highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Date XXXX Balance : {$29.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I contacted Total Visa to report numerous fraud charges on my account I requested the ability to upload supporting documents and was not granted access to it. I had to call back repeatedly, and the situation has not been remedied. This has adversely affected my Credit Score as a result.
Product: Credit card

On XX/XX/XXXX I placed an order on XXXX for outdoor dining table. Order # XXXX The order was delivered on XX/XX/XXXX. Upon receiving the package and assembling the table I noticed damages to multiple parts on the table. I immediately called XXXX  customer support reporting item arrived damaged and Im looking for an exchange. Unfortunately wayfair was unable to process an exchange reporting item was delivered. I immediately filed a transaction dispute on XX/XX/XXXX with Apple Card -Goldman Sachs Bank USA . Dispute case number : XXXX. Ive sent pictures of the damages numerous times and the dispute keeps on getting denying and the amount of {$2400.00} keeps on getting reversed. Ive opened the dispute numerous times already providing the same information and the case keeps getting denied. XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX XX/XX/XXXX - Dispute case number : XXXX Dispute # XXXX XX/XX/XXXX - dispute # XXXX Multiple disputes have been made for this transaction. Merchant and Credit card company are refusing to refund the full amount. 
Item arrived damaged merchant refused to replace damaged furniture. Proof of damages have been sent to merchant and credit card company numerous times with no resolution to this case. Desperately seeking help in this matter.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on improving my credit. I had 1 delinquent account left. So I contacted Design Receivables Solutions to get some information about the account. The balance began at XXXX. I noticed the balance had risen to XXXX, so on XX/XX/XXXX I called the collection agency to see what can be done. I was interested in making payments but before I could even ask. I was immediately offered a deal by the gentleman from the agency. He told me if I was willing to pay my debt in full they would be willing to remove it from my credit report. I was very surprised by the offer because I didn't know they did that sort of thing. It wasn't really a good time for me to pay the XXXX in full because money was tight. I took into consideration that I probably wouldn't get the same offer had I just made payments. I asked if they could send me a letter guaranteeing this account would be removed. I was told they didn't do that sort of thing but that they would mail me a letter after my payment was processed. So I agreed and paid the balance in full. I waited and continued to check my XXXX XXXX account for a update on my debt. I noticed the agency had reported it paid in full & account closed. This was not what we had agreed to. So to filed a dispute with XXXX  and as it turns out the agency denied that it was to be removed and it was to remain on my credit as a closed account. This is so wrong and I find it unacceptable that someone could get away with lying to me. I paid in full as agreed. I held up my end like I said I would. My question, " Why are they allowed to get away with not holding up theirs? '' I could've set up payments instead of being broke for that week and got the same results. I'm raising my nieces XXXX daughters without any financial help and my budget is tight ... .at any rate it was a stressful tight week. I'm very upset I know this is my responsibility but I don't appreciate being lied to.
Product: Credit card

On XXXX XX/XX/2023, there was a new credit card application submitted to Chase with my personal information. 
I immediately contacted Chase, verified that it was not me, & they closed/cancelled the application.