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

Didnt authorize any inquiries Factual Data reports XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received multiple calls from company stating I had an outstanding balance after card on file no longer processed payments monthly. Initially I rceieved no letter informing me the company had taken over my medical debt or given me an option to dispute within first 5 days. After sending a letter of validation they failed to respond back within the 30 day time period. I have both letters and reciepts showing time stamps of the 30 day response window.
Product: Debt collection

There was an agreement to remove the debt completely off my report upon me submitting a payment and I did that. 
The status states paid on my report/ but its not removed as said.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App for their alleged unlawful practices, which I believe constitute a violation of federal and state consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 ).

Specifically, my complaint involves : 1. Failure to Investigate Unauthorized Transactions : Despite reporting unauthorized charges on my account, Cash App failed to conduct a timely or thorough investigation, as required under the EFTA. Additionally, they did not provide a resolution within the mandated timeframe, leaving me without access to the disputed funds.

2. Unjust Withholding of Funds : Cash App wrongfully froze my account and withheld access to my balance without proper notice or explanation. This action caused significant financial harm, as I was unable to access my own money for essential needs.

3. Lack of Adequate Customer Support : Attempts to resolve the issue were met with inadequate responses, lack of accountability, and no clear avenue to escalate the matter, in violation of fair business practices. 



These actions have caused significant financial and emotional distress. I am seeking accountability from Cash App for their failure to comply with federal and state laws, restitution of the funds withheld or lost, and appropriate damages for the harm caused. 

I request that this matter be taken seriously and resolved promptly.
Product: Debt or credit management

I have an account with bank of america XXXX  a credit card but my account was scam I reported even that they close my account but the credit card was still open I use it 2 times they declined it on my hands so when i called them they told me to visit the bank I did they told me it's ok and I have XXXX for them on XXXX but as they flag my social I can't open a new account so I try to pay this bill 3 times and I go to the bank they told me I need an account on my name to pay this bills without my permission I received a letters they closed my credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a checking account and a savings account with XXXX XXXX XXXX I do not have -- and never have had -- any credit accounts with XXXX XXXX and do not now owe them money or have ever owed them money. 

Nonetheless, illegally and without the permissible purpose as required by federal law, XXXX XXXX continues to access my Equifax credit reports placing an " Account Review '' inquiry. The latest account review inquiry was placed by XXXX XXXX on XX/XX/2019. They have also done this two times previously. Again, XXXX XXXX has absolutely no permissible purpose whatsoever and Equifax also negligently gives XXXX XXXX completely unauthorized access to my credit reports. 

I have phoned XXXX XXXX on several occasions and spoken with representatives in several departments including the Recovery Department and also the Credit Bureau Department and nobody can find any information on these events. They suggest I speak with Equifax. 

Today I spoke with Equifax. They said there is nothing they can or will do. The problem, they claim, can only be solved by XXXX XXXX. 

Since account review inquiries are what are known as " soft '' inquiries and are not visible to others, I don't care about having it removed or not. I want to know ( 1 ) precisely who has accessed my credit reports, ( 2 ) why they accessed my credit reports and ( 3 ) why  Equifax was negligent in allowing this to happen. If no satisfactory results are given, I may use the courts to seek statutory damages per the FCRA.
Product: Mortgage

New Res - Shellpoint Mortgage services falsely reported delinquent payments to all 3 credit bureaus on XX/XX/2021. This is a recurring problem with this company. There accounting practices are flawed and none of their customer service agents have the ability to fix errors but just document the problem and the problem never gets fixed. Received letter dated XX/XX/2021 on XX/XX/2021 stating that I was passed due 17 days in the amount of {$19.00} when the check for the entire amount of the mortgage is shown as being cashed on XX/XX/2021. Online records show that my account is current. Phone records say last payment was received XX/XX/2021. Called into customer service and representative claimed my account was in good standing but would not provide information in writing nor would address issue with the report to the 3 credit agencies.
Product: Credit reporting or other personal consumer reports

I am submitting to file a complaint regarding fraudulent activity on my credit report. After researching how to address this issue, I learned that I need to visit the Federal Trade Commission ( FTC ) or their website at XXXX : XXXX to file an identity theft report. According to FCRA XXXX XXXX, credit reporting agencies are required to remove any items listed in an identity theft report, reference number XXXX. Please find the attached documents to help with the removal of the accounts, inquiries and erroneous personal information on my reports. The following items were opened without my authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$330.00} XXXXXXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$330.00} ======TRANSUNION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$330.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXX/XX/2023. Under FCRA Section 605B ( a ), credit reporting agencies must remove any items resulting from alleged identity theft within 4 business days of receiving the complaint.
Product: Debt collection

I have been contacted by this collection agency at least three ( 3 ) times this year in which the agency told me contradictory information and then made excuses for it, was berated by staff, was prey to attempted coercion for collection of personal information an attempted intimidation. The credit card is a military issued credit card that was explained to me be the agency to have different rules then regular credit cards so the actions they were taking were legal according to them. The amount quoted to me as owed to them for collection was not clearly explained even after questions were asked. The amount owed also varied up and down between times of contact and differed from paper bills always. One of the agents I spoke with attempted to berate me for not understanding responsibility and tried to explain how the government works. This agent also quoted me a very low payoff amount which later changed. Another agent on a different day made excuses for the previous agent stating they were new at their job which is in no way pertinent information. The most recent agent harassed me for at least thirty ( 30 ) minutes trying to coerce me into giving personal information pertaining to my finances that was not directly related to the debt. They also used strong language to express their dissatisfaction with my handling of their tactics. Eventually the agent was so frustrated they hung up on me. I have been actively attempting to settle or erase this debt these past few times speaking with the collection agency however they purposely seem to be making that proposition difficult.
Product: Credit card

Citi Bank Visa fail to cancel my card and issue a new one once i reported the fraud charges. The fraud team could not speak XXXX clearly. I ask for another person. The person wasnt much better. I got a new card 3 months later. They use a script to answer my question. Could not have a regular conversation. I had refuse to pay and they hurt my credit rating. I also did not activate the new card. This happen XXXX if 2023. They harass me on the phone and ask the to stop calling me. I would recieved letters stating they wanted me to call. I called before their deadline. Then they gave me a letter stating i did not call and decline to investgate after several months of contact.
Product: Student loan

Mohela Improperly Changed the Renewal Date of my Income Based Repayment Plan Despite previous complaints to my Senator, the CFPB, FSAID, and correspondence from Mohela acknowledging the correct renewal date of my Income Based Repayment plan, Mohela is still incorrectly and illegally changing my Income Based Repayment plan renewal date to XX/XX/XXXX See figure 1. 

The correct recertification date is XX/XX/, as acknowledged by Mohela in Mohelas response to my first CFPB complaint against Mohela ( CFPB Complaint XXXX XXXX  ). See the attached file titled Mohela - CFPB Response XXXX XXXX which contains correspondence from Mohela indicating the correct date of XXXX 

I have also attached the Memo referenced in my original complaint CFPB Complaint XXXX XXXXXXXX. The memo provides proof of the correct renewal deadlines in the form of official correspondence from the prior servicer ; information that Mohela should have and should be in their systems.
Product: Debt collection

I received notification from XXXX, XXXX and XXXX that I had incurred a debt from Source Receivables management for a debt recently owned by XXXX XXXX. The debt amount is for {$290.00} and opened on XX/XX/2022. I have submitted paperwork on several occasions explaining to this collection agency that the debt is not mines and I have no knowledge of the account. They company has supposedly verified that the debt is accurate and has produced no proof of the debt belonging to me. According to the FCRA if you dont produce accurate proof of the debt being mines, it must be removed. They have not given proof of signature or any documents harboring my signature to support their claim of verifying its accuracy.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft especially when I had been held against my will XXXX and XXXX XXXX XXXX XXXX
Product: Credit card

I made a payment to my credit card to pay off the full balance. For some reason it flagged my account for fraud. So capital one restricted use of my credit card account until I could prove that I paid from an account that I own. I sent documents from my bank account verifying that I was the owner and i sent a copy of my bank statement. Capital one did not want to accept these documents because the bank statement didn't reflect my full account number. I pointed out that the letter from my bank stating I was the owner of the account reflected the full account number. But then because the letter didn't have an " official stamp or signature '' they won't accept it as proof of ownership. I've tried to send anything else but they won't accept it. I now received a letter by mail stating they will close my account if I don't send them the documentation they want. My hands are tied, my bank account doesn't generate statements reflecting the full account number and they can't generate a letter of account ownership with a stamp.

I paid off this account in an effort towards improving my credit score and now they will tarnish my credit score by closing this account. I've provided plenty of information proving I'm the owner of my bank account and capital one is deliberately making it a painful and impossible process to try and fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/2018 I wrote to Equifax requesting that they investigate a fraudulent bankruptcy that is reporting on my credit report. Although, Ive provided sufficient information proving that this is not my bankruptcy, Equifax has failed to remove it per Section 605B of the FCRA. They replied stating that they verified the account with XXXX a data reporting agency. I opted out of having my information shared and even still this fraudulent account is still reporting on my credit file. I would like to make one last final attempt before pursuing legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX who is in XXXX  in XXXX XXXX was caught with my personal information and a bunch of accounts he opened in my name.. he was convicted if this.. I've disputed this 3x and even included his charges and disposition of the case but experian keeps updating my disputes as " verified '' and lowers my credit score every time they " verify '' it. They refuse to remove these identity theft accounts from my credit report and even though I provided them with his conviction the now want a police report.. I didn't know identity theft happened until he was arrested and therefore there is no police report.. I have the same adverse accounts now as I did when I started this action because Experian keep updating as " valid '' yet they have lowered my credit score XXXX points even though nothing has changed. I want the fraudulent accounts removed, they have the court paperwork.. I want my credit score brought up to where it should be before this fraud happened to me.. when I complained they sent me a copy of my credit report and said to send a police report. I already gave the court documents there is no police report. Thats XXXX
Product: Debt collection

For the past year and a half I have been unable to write a check because of the bad references a company called Certegy has been giving retailers such as XXXX and XXXX here in XXXX, Texas. The information involves NSF checks that were paid off and also covered under my bankruptcy filed after the NSF checks were paid in full but remain on negative reports used to deny me the ability to write checks to this day. Certegy has been notified of my bankruptcy and continues to disregard the protections afforded me by the bankruptcy and the law that protects consumers after bankruptcy has been filed, such as reporting of debts incurred before the filing.
Product: Mortgage

got put into Foreclosure without notice and tried to work with mortgage company but keep getting the run around. The lender keeps delaying the process and providing excuses. This appears so that the lender can get a higher interest rate from me. 

The lender keeps messing up and reviewing paperwork. I have had to redo paperwork due to their mess ups. 

The lender also kept saying to not pay the mortgage payment then comes back to say i am in default. Was placed on a forbearance but was not allowed to make payments and not provided any means to resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2021 I went on the mobile app for CitiBank. I needed to increase my credit limit by {$5000.00} at least. I clicked on " increase my credit limit '' and went through the process. The app never asked me how big an increase I wanted nor informed me how large the increase would be. It provided a {$3000.00} increase. I need at least a {$4000.00} increase. When I called in to change the increase amount I was told that because I already asked for a credit increase I need to wait 6 months to ask for another, essentially stonewalling me. I asked for a supervisor and his line was really bad and I couldn't tell what he was saying. I got as far as getting the same explanation. I said I wanted to cancel that morning 's request and put in a new request for a higher increase. He said he couldn't do that. I asked to escalate and I couldn't understand his response. I asked him if he could contact me by email and he said no. He said a few more things that I couldn't understand. At that point I gave up since he was not able to communicate. I do not trust Citibank to handle this issue with good faith.
Product: Money transfer, virtual currency, or money service

There were times when I would send money a few years back thru Zelle but it never gave me a verification of who I was sending the money too, and I was unable at times to receive my money back.They would basically throw their hands up and say there's nothing they could do.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with th necessary proof of investigation.
Product: Credit card

Lowes consumer credit card by Synchrony Bank has not been compliant to 12 CFR Part 1026.53 Allocation of payments. I noticed in XX/XX/XXXX that when I make a payment that covers the minimum payment plus the regular revolving balance, Synchrony Bank does not apply my payment to the entire highest interest rate amount and instead applies some or most of it to the highest deferred interest balance. This makes it so they charge me interest every time I make a payment to pay off my regular purchases made over the past month. When I called to have them fix my account, I was told repeatedly that if to want to choose how my payment is allocated I have to call them. I was continuing to have issues so spoke to a XXXX today XX/XX/XXXX to again fix my account and ask her why they are not complying with credit card laws and that I have XXXX other store cards with deferred interest and have never had any issues paying both the revolving and promotional plans with their payment options and that they usually have a value to pay to avoid interest making it that much easier to make sure you pay the appropriate amount. The XXXX I was speaking to said she didnt know anything about the credit card laws and that there is a way to change my payment method so that it pays the highest interest first. Unfortunately, I was unable to locate this option both in the Lowes app and on the Synchrony website. I informed her I could not locate it and she said she updated it for me. This remains to be seen as I can not find that option to verify it is truly an option. Even if it is an option that an operator is able to make, this process of payments is out of compliance with 12 CFR Part 1026.53 and they should be forced to change their system to align with all of the other store credit card companies who are compliant to ensure consumer know when they will be charged interest. I have plenty of statements to corroborate my statement and would be happy to share any information needed for this complaint.
Product: Credit card or prepaid card

I am unfairly being charged past due fees because the credit card company for one reason or another has not enrolled me in the Auto Pay which I had enrolled previously. I was not provided a reason why I was taken out of Auto Pay and because of this unfair treatment I have been charged Past Due fees for the following dates. 
XXXX XXXX & XX/XX/XXXX for card ending in XXXX. XXXX XXXX & XXXX XXXX for card ending in XXXX. XXXX XXXX for card ending in XXXX. 

I believe I have been unfairly treated here without any notice given or explanation why I was taken out of Auto Pay and now the card company refuses to return the fees they have charged. The total they unfairly charged me is {$190.00} This is the reason why I had enrolled in Auto Pay precisely to avoid charges like these. 

I sincerely request cfpb 's help. You may contact me anytime.
Product: Credit reporting or other personal consumer reports

XXXX  - XXXX - 15 USC 1681 B Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or OK XXXX  XXXX XXXX - 15 USC 1681 B Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or OK XXXX  - XXXX - 15 USC 1681 B Permissible Purpose Of Consumer Reports- Please change payment status to Paid As Agreed or OK
Product: Checking or savings account

I called on Saturday XXXX to close my accounts. This was a savings and checking account as I didnt want to receive any fees on either. This bank has put a hold on funds till the XXXX of XXXX for a {$100.00} deposit. This is ludicrous business practices as Ive been a customer for over XXXX yrs. I had also tried to deposit a payroll check and was told it would be held a week as well. ( Been direct depositing this companys checks for a year ) .Due to all my deposits being placed on hold I was told by a boa customer service rep I would have to call back on Monday to close the checking account due to the {$100.00} deposit being on hold till the XXXX! They refused to close the checking account and want me to call back Monday where I will be on hold for an hour or longer. I do not have the time to chase these people for an account closure! Close this account and refund my {$100.00} deposit when they get enough interest off of it on the XXXX! It should not be this difficult to close an account. Will never do business with them again.