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

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 accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. DEPTEDXXXX  Account Number : XXXX XXXX. DEPTEDXXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. DEPTEDXXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXXXXXX XXXX  Account Number : XXXX
Product: Debt collection

Credence Resource Management reported a collection on my credit report in XX/XX/2021. Credence never reached out to me about this. I found out my checking my credit report. This debt is not mine so I disputed it on XXXX as soon as I found out, in XX/XX/2021. In XX/XX/2021, Credence changed the debt collection date from XX/XX/2021 to XX/XX/2021 and XX/XX/2021. On XX/XX/2021, I mailed Credence a debt verification letter, to verify information about said collection. It has been over 30 days with no response from Credence. So now, XX/XX/2021, I am requiring this false collection to be removed from my credit report.
Product: Student loan

My monthly payment is due XX/XX/year> but my account is owned by MOHELA who is doing an account transfer from XXXX payment servicer to another. During this transfer I can not make a payment and at earliest it will be completed XX/XX/year>. I have tried to login into my account on MOHELA, create a new account on their new website for the new servicer and even tried calling them but nothing has allowed me to make a payment. The agent I spoke to said they can't even take a payment because it doesn't allow them on their side. I will be late on this payment thus negatively affecting my XXXX XXXX even though I want to pay it on time. I don't understand how they can essentially change move up the due date for XXXX month even though the terms and agreements have been accepted by both parties.
Product: Debt collection

For the following dates, these medical dates are all the same amount. That is impossible! There is no way to have XXXX hospital debt collections on different dates all for the same amount. I want this fixed and they should be reprimanded or investigated.
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 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 financial loss, and 1 seek appropriate redressfor these violations.
Product: Student loan

My loan is serviced by the Texas Higher Education Coordinating Board. I have reset my password online multiple times and none of the passwords I have chosen have worked. My account now says that I am locked out. I have tried both customer service numbers, and utilizing the options provided, have been hung up on three times today ( XX/XX/17 ) alone. The option for technical issues does not work at all and refers you to the number which you have already dialed. This issue has persisted for weeks and this is not the first time I have tried to reach the company. I can not access my account at all to make a payment, even though I have tried countless times to reach this company.
Product: Credit card or prepaid card

In XXXX of XXXX I paid my account balance in full that was late. At that time I was told my account was closed and in good standing. In XXXX of XXXX I ran a credit report and see Im 90 days late and owe them XXXX XXXX I called and was told the new balance is XXXX XXXX I was told my account had been closed since XXXX but these are the account fees for each month plus late fees. I call back XX/XX/XXXX and was told now that the fees are from monthly XXXX $ Open account payments plus late fees plus return fees from a auto draft I never set up. The card was closed in XXXX with a full payment and still being charged. I have asked to speak with a supervisor on XX/XX/XXXX and no one answered after over a hour on hold. Before being transferred my only option was to pay XXXX $ on a card that had a XXXX $ balance in XXXX of XXXX and closed at that time.
Product: Vehicle loan or lease

My wife entered into a lease in XXXX with Ally Financial. I was a co-obligor although at one point I did not think that I was.

When my wife turned in the vehicle she was billed {$970.00} for damage. Ally never attempted to collect the debt from me. They did however place negative marks on my credit which resulted in me borrowing at a much higher rate than I have been accustomed. I estimate that their erroneous mark has cost me in excess of {$4000.00} in higher interest costs. They had an obligation to make demands of me or negotiate with me prior to entering a negative mark on my credit. 

Separately, on the merits, I reviewed the documentation that they provided when they attempted to charge my wife for damages. That documentation did NOT sustain the damage levels that Ally suggested. Furthermore, they were nonresponsive to letters mailed to their attention which attempted to clarify the liability. As a result of their non-responsiveness, I assumed that the matter was closed.
Product: Credit card

I have several card with synchrony Rooms to go account ending XXXX, synchrony select acc ending XXXX and floor and decor account ending in XXXX. I maintained a decent credit with no late payment. Synchrony kept messing with my credit score by constantly cutting down my credit limit and eventually closing two of my cards for unjust reasons. I feel like they disregard me as a customer and did what ever they please because of all those information in their fine prints. Synchrony has randomly add {$500.00} interest on one of my cards and reported in accurate information. I am there trying to get all their accounts out of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I dont know what more information you need I mean you do have the report in front of you correct? In the comment section the consumer dispute meets FCRA requirements is missing. Experian refer to FCRA 623A ) b this information is required 30 days of a completed investigation. You know you this and I do too. Not sure why you are playing and FDCPA 806 explains it as well Explain to me whats your take of those statues
Product: Money transfer, virtual currency, or money service

Company named Square, inc/Block , inc running a payment processing website for small business named XXXX few days ago, they deactivated my account and suspended XXXX of my transactions ( XXXX held and XXXX went through earlier ) those XXXX which had been held by them with the amount XXXX $ as they refuse to release them for the coming XXXX days under so called potential chargebacks or disputes. 

they offered a full refund option to my customers, but my customers refused to get refunded because their banks will charge them additional fees for the refunding transactions as the currency exchange rate by their banks changed to higher rates causing them to lose around XXXX XXXX of their money value if not more. 

I contacted XXXX XXXX support dozens of times through their live chat, calls and through other platforms for complaints like BBB as they replied with same answer " We keep them as a reserve for potential disputes or chargebacks ''. 

As for those XXXX transactions which went through, they indicated that they will charge any disputes or chargebacks to my bank account as I asked that the XXXX suspended transactions to be released to my bank account as if there was any disputes or chargebacks for the XXXX of them to be charged to my account but they totally ignored my request saying that the decision is final. 

Now, my customers are going to file complaints against me in person and my business and possible court lawsuits for not getting what they paid for " Package forwarding Service '' as I can't pay them out of my pocket which I also informed XXXX about with no action done by them to solve this issue.
Product: Credit card or prepaid card

I paid off my account on XX/XX/2022 and had a credit balance. I closed the account on XX/XX/2022, this was confirmed by Comenity in a secure message. I received a statement on XX/XX/2022 stating I owed XXXX in interest charge. I was upset but I was going to pay the {$14.00}. I attempted throughout the next month to pay the {$14.00} but there system and phones were down due to a merge with Bread Financial. I was not able to see the account until I got a phone call saying I now owed {$66.00} due to late fees and interest, although the website stated that all late charges would be waived. I paid the {$14.00} over the phone and advised that I would not be paying anymore because my account was closed, according to them on XX/XX/2022 and I was unable to access any contact with anyone to pay the illegal interest of XXXX. I have copies of all of the messages and account balance. 

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

I have tried to contact them several times. They keep telling me that to cancel my loan application I will need personal information which I will not give them. I never contacted or applied in the first place. I keep receiving your payment is due emails but they are deceitful as they want me to complete the loan app online to receive the loan so that I can make a payment. 

" Just in case you needed a little reminder, XXXX. 
Your next loan payment of XXXX is due on XX/XX/2019. 

To avoid any additional fees, please make sure the funds are available in your account. 

If you have any questions, please contact Customer Service. 

View Payment Schedule ''
Product: Credit card or prepaid card

I am writing to file a complaint about my credit card account, which has been closed without proper notice or for an invalid reason. 

I received an alert from a different creditor that there has been an account closed. I was shocked to receive this notice, as I had been making all of my required payments on time and had not exceeded my credit limit. 

Upon further investigation, I discovered that the credit card issuer had closed my account without providing the required advance notice, as stated in the credit card agreement. I have contacted the creditor, and they claim nothing could be done after an account has been closed. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to address the credit card issuer 's failure to follow the terms of the credit card agreement and provide proper notice. I also request that the Bureau consider my claim that the reason for the account closure was never provided. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX I believe it was reporting in error.
Product: Mortgage

On XXXX XXXX 2017 my mother XXXX XXXX. On XXXX XXXX, my sister and I went to court to become administrators of her estate. We faxed these documents in to Loancare. We spoke to them on the phone and they told us what we needed to fax in. We faxed in the court documents and the XXXX XXXX. They had my sisters phone number on file. Days went by and we had n't heard anything from them. So my sister called them and they said that they had been trying to call my XXXX mothers cell phone. They did not try to call my sister, and they did not send a letter. These people are lazy. When we did talk to them they said that they did n't have the documents that they needed. I have a read receipt from the fax that proves that the documents were sent and that it did go through. On XXXX XXXX, 2017 I sent the documents again through email. On XXXX XXXX we sent them a check to pay off my mothers house loan. On XXXX XXXX we received an email saying that they received our request and gave us a ticket number. On XX/XX/2017 My sister spoke with them again. They said that they could n't talk to us because they did n't have the correct documents. After nearly an hour on the phone they finally found the documents but said they could not talk to us because they have not processed them! This is their fault for not doing their job.They refused to let my sister speak to a supervisor but she demanded and they finally said that they would have one call her back. These people have made our lives so much harder than what it already has been. They are awful. We have went through enough losing our XXXX year old mother and us only being XXXX and XXXX having to deal with this loss. No one has been compassionate. No one has even been nice. No one has tried to help us at all. Every single person that we have talked to has given us the run around. Please fix this. I do not want anyone else to have to go through the absolute torture that we have had to go through with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. The items I'm disputing are erroneous and fraudulent. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here are the aforementioned items : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX XXXX XXXX AV, XXXX, CA, XXXX XXXX XXXX XXXX Balance XXXX {$930.00} XXXX XXXX XXXX Balance XXXX {$900.00} XXXX XXXXXXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXXXX balance : - XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}
Product: Checking or savings account

bank of america-XXXX tried to help told me to call back another number XXXX that number was the wealth department who said i had a consumer account not a wealth account! transfers go on and on five more departments till no one wanted to play ring around the teller with me any longer! Thr " I.R.S. '' told me on XX/XX/XXXX THAT BANK OF AMERICA REPORTED A XXXX  UNDER MY SSN my question to the bank, has, and will still be.Who is reporting income on my behalf? it is a tiny {$45.00} dollar amount but it this money let alone this account is unknown to me id like to know more. you report income using my social security number, my address my name my zip code you even use my city.its frustrating being told they no longer can access that system because its been 10 years or 7 years,,,,, news flash its only been four days since i found out about this account, i went to the irs because i had a feeling this wouldn't go away because this has been going on since XX/XX/XXXX.please help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  account number XXXX, XXXX account partial account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX. XXXX partial  account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX account number XXXX, have all violated my rights.

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

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish an account without my written consent or instruction.
Product: Checking or savings account

My name is XXXX XXXX on XX/XX/XXXX my card was used at a atm to withdraw XXXX dollars twice I didnt notice because I had my card on me I just used at the store so I knew it couldnt be me. Then a couple weeks later someone used it on XXXX XXXX thats when I noticed one of my phones was missing out my car that had my accounts on it. So on Tuesday XX/XX/XXXX I open a dispute at XXXX and by XXXX Wednesday XX/XX/XXXX my dispute was closed with chime saying I made the charges so I called to try to reopen dispute but they said I have to wait 10 days to reopen dispute but I havent received the email yet and still havent received my money back from the charges werent mine.
Product: Debt collection

CONTINUING TO CALL ME AFTER HAVING BEEN SERVED A CEASE AND DESIST LETTER PURSUANT WITH THE FDCPA.
Product: Credit card or prepaid card

Called XXXX XXXX on XXXX/XXXX/XXXX concerning return of an over payment of XXXX, customer service representative took down my routing and account number from my checking account and mentioned that I would have the money credited back to my checking account within XXXX business days. As of today XXXX/XXXX/XXXX the money has not been returned to my checking account. 

XXXX/XXXX/XXXX I spoke to a second rep from XXXX XXXX XXXX XXXX XXXX who informed that an investigation would be started and that this process could take another XXXX to XXXX business days to investigate. This form of business is unfair to the customer especially if the situation was turned around and I had owed the money.
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
Please remove the following items from my credit report, immediately. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of last activity reporting on this account is inaccurate. It's reporting that the date of last activity os XX/XX/XXXX ( Experian ) and XX/XX/XXXX ( XXXX ). From my understanding the date of last activity is a date which the account last updated. Why is there a gap of 5 years between XXXX and Experian. From my understanding I have a right to fair, complete, and 100 % accurate reporting which can not be the case if one account has been updated as of recent and the other account has not. I also made the credit bureau 's aware of this previous to this new update and nothing happened. The account information remained verified despite the fact that I used information that came directly from my credit report.
Product: Credit reporting or other personal consumer reports

I have a credit card with AVANT. It has a limit of {$300.00}. I max the credit card out in XX/XX/XXXX then I paid it off in XXXX of XXXX. In XXXX of XXXX I have almost max it out again. On XX/XX/XXXX I logged into my app to pay off credit card in full and my card was locked. I called AVANT directly to resolve the issue and the told me a power of attorney was put on my account and I can't use the card anymore. I asked for contact info for the company that sent it over and they said they didn't have contac info but the name was XXXX XXXX. I have never missed a payment and I have never been late. I have had the card for a few months and this happened. This is an unfair practice and I want this fixed ASAP. This company is jeprodizing my credit because they made a mistake abs refuse to resolve it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, XXXX, Equifax and XXXX. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.
Product: Credit card

Introductory offer False advertisement, Citi ThankYou Preferred Card - Earn XXXX bonus ThankYou Points after you spend {$0.00} in purchases within 3 months. It 's been almost 2 months since and I do n't see the points on my banking.
Product: Debt collection

I did not receive a notice of right to dispute from Total Visa for Account # XXXX. According to the FDCPA, " RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. ''
Product: Debt collection

This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$650.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Student loan

I attended XXXX XXXX Online College ( XXXX ) from XX/XX/XXXX-XX/XX/XXXX. Upon enrolling, I was told by my financial advisor that the school was 100 % accredited only to find out 5 years later it wasn't. A few months before graduating, I received a letter stating the school was closing. I tried to enroll into another school to further my education, but was informed the majority of my credits would not be accepted. I have acquired nearly {$30000.00} in student loan debt and I cant further my education because the school was not fully accredited. I have not been able to obtain a job in the field I studied nor have I been able to afford {$300.00} per month for repayment. My student loans have had a tremendous negative impact on my life giving that I was promised job placement and it never occured. I would gladly appreciate any information that you can give me on if I am eligible for a student discharge. I look forward to hearing from you soon.