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

These are fraudulent inquiries on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 I seek appropriate address ( 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 I seek appropriate redress + for these violations. XXXX
Product: Prepaid card

The prepaid {$500.00} Amex gift card I have does not work where I try to use it. It keeps declining and I'm unable to use the funds. I tried to spend under {$50.00} at Features and it was declined every time. I tried at another website, XXXX, for {$54.00}, and it declined again. I called Amex gift card customer service and they did not provide a solution and said to try at another store.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting the necessary documentation and a letter from an advocacy group assisting me due to XXXX  XXXXXXXX XXXX XXXX, which qualifies as XXXX  under the XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX and XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  and XXXX XXXX, and I request that all listed accounts be blocked and deleted. Please delete the following accounts from TransUnion : XXXX XXXX, XXXX. 
XXXX # : XXXX Balance : XXXX XXXX XXXX XXXX # : XXXX Balance : {$9200.00}
Product: Credit card or prepaid card

Hello - This complaint is against JPMorgan Chase. Thousands of dollars of fraud occurred on my credit. Chase did not catch the transactions. It was only after over 20 occurrences over a week did they finally reach out. I requested ( i had to ask ) for a full investigation to be done on the account and for a manager to contact me about the situation. Neither occured. I called back three weeks later and spent 2 hours on the phone with various people with no idea of how to deal with the situation. I learned that an investigation had not even occured yet.

This situation was so improperly handled. A fraudulent incident of this magnitude should not be dismissed like Chase. As a consumer, I have no idea what is being done and how to protect myself from further credit breaches.
Product: Credit reporting or other personal consumer reports

I have been submitting multiple dispute letters to request to correct the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting error on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account that should have be corrected : XXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Vehicle loan or lease

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on US BANK. Also, I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

o Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding an issue I have encountered with the XXXX  XXXX XXXX XXXX I believe that the XXXX  XXXX XXXX has failed to report my recent payments accurately and has incorrectly charged me interest, which is adversely affecting my credit history and my account balance. 

The details of my complaint are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Account XXXX : XXXX XXXX. Payment Dates and Amounts : - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$200.00} - Payment Date : XX/XX/2023 Amount Paid on XX/XX/2023 : {$100.00} I made these payments to the XXXX XXXX XXXXXXXX on the specified dates and in the respective amounts, as documented by my bank statements and confirmations from my payment method. However, to my concern, these payments have not been reported to any of the major credit reporting agencies, including [ List the Credit Reporting Agencies, e.g., XXXX, XXXX, TransUnion ]. 

Furthermore, I have noticed that the XXXX  XXXX XXXX has incorrectly charged me interest on my account balance. At the time of payment, my outstanding balance should have been {$1000.00}, and I should have had no interest due. However, the department erroneously calculated my balance at {$1300.00}, including an incorrect interest charge. 

This failure to report my payments accurately and the incorrect interest charge are negatively impacting my credit score, financial standing, and the accuracy of my account balance. I have attempted to contact the XXXX XXXX XXXX multiple times to resolve these issues but have not received a satisfactory response or resolution. 

I believe that the XXXX XXXX XXXXXXXX has violated consumer protection laws and regulations by not reporting my payments accurately, and by incorrectly charging interest. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that the XXXX  XXXX XXXX XXXX XXXX its reporting obligations and corrects the interest charge. 

I am attaching copies of all relevant documentation, including proof of these payments, my account statements, and any correspondence with the XXXX  XXXX XXXX XXXX XXXX support my complaint. 

I appreciate your prompt attention to this matter and request that you keep me informed of the progress and resolution of my complaint.
Product: Credit card or prepaid card

i called XXXX mastercard ( XXXX XXXX ) today saturday, XX/XX/2018. my account due date is usually on the first of every month. i paid my account on XX/XX/2018 and i paid {$4500.00} 8 days prior to my due date. and XXXX mastercard is charging me a penalty for early payment. i think that is totally wrong, but they tried not to keep me as a customer and would rather lose me as one then to fix the problem. i have many accounts with XXXX XXXX and all the other ones i have never had an issue. so i began to close my account for the XXXX master card. and they care not to keep me as customer. and just gave me a lame excuse for their penalty for early payment. thank you XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX, florida XXXX
Product: Student loan

I was a student of XXXX last XX/XX/XXXX. my XXXX shut its doors to us out of nowhere. I have a {$15000.00} private student loan with American Student Financial Group. My college was not to have used those funds until I started my XXXX term of school. The school was to exhaust my federal student loans first before touching my private loans. My school tuition totaled {$30000.00}. XXXX initially told me that my student loans were {$15000.00} and that in need another {$15000.00} to cover the cost through ASFG. That being said my private loan should have not be in use until the first week of my XXXX term. Unfortunately my school surprising shut down 1 week prior to taking our XXXX term finals. As of XX/XX/XXXX, I contacted ASFG and they told me that they are unable to discharge my loans. That they will off a discount on my principle loam. Which is absurd! Why am I going to pay {$15000.00} + 12/13 % interest on a loan I have not used.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$940.00} XXXXXXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX  XXXX explained that all the bankruptcies needed to be removed and provided me details of the deletion I need TransUnion to delete their inaurate accounts
Product: Mortgage

My mortgage was sold to OCWEN by GMAC. With GMAC, I had the ability to prepay principal ( as my note allows ) anytime I wanted via ACH through the GMAC website. OCWEN has no such functionality. So I have to call them monthly to prepay principal. Here 's the issues1 ) They do n't let me prepay principal if it 's between the XXXX & XXXX of the month as they consider my mortgage " late ''? That is not what the note says. So I 'm forced to wait until they clear my monthly mortgage check ( which has NEVER BEEN LATE ) to make a principal payment. 
2 ) XXXX out of XXXX times they apply this principal payment to an upcoming mortgage payment even after I have directed it to be applied to principal. When questioned, they say it 's their system limitation Well now I notice that they actually apply the principal payment when I finally call them to have it fixed!! Not when they received it. So my amortization schedule is incorrect. 

They are horrible!!! I 'm considering paying off my mortgage to avoid having to deal with them!! They should be banned from mortgage processing due to their gross incompetence!
Product: Payday loan, title loan, or personal loan

This is regarding client of this company XXXX XXXXXXXX XXXX XXXX. 

The plumbing manager was trying to force me to take a tank water heater when I paid for tankless. I feel like my rights as a homeowner were being trampled on. Is he paying for the job or am I? He has no right to force me to take something. For two to three hours, I had no idea what was going on. At one point I asked for my existing tank to be put back and just cancel the job to the worker and plumbing manager. But my old tank AFTER removal did not work was what I was told. For two to three hours, I had no idea what was going on and did not have peace of mind. I was trying to reach my advisor and called the general number, but could not speak with anyone. You can not put a price on having peace of mind. After some time I was told they would run the gas line the next day. I was out of the heat for one day on XX/XX/XXXX, I was told that everything would be up and running on day 1. Due to a gas line being added the job is taking 2 days. This job is not yet completed and they have taken the money from the lender. My HOA has contacted me regarding the outside and asked when they are coming back to finish everything. I can not give them that day because they have not told me the day. They need to fix/replace the door, the outside lawn area needs work and it needs to pass inspection. They are not in a rush to line this up since they have been paid against my permission, I would have gladly paid them after they have completed all the work. It passed inspection 2 weeks ago, they said they would come back to fix/replace my closet door. After about 2 weeks of trying to speak to someone, I spoke to XXXX and he stated because I " choose the system '' they will not attempt to fix my door. They wanted to put a bigger tank than a tankless water heater. Also they need to clean the yard there are still flags and markings on the ground. This is over a month and the company was paid after a week, they should not have been paid. In addition, the water tank makes strange noises sometimes. 

Also, XXXX XXXX XXXX XXXX says they are XXXX XXXX XXXX accredited and they are not. If I had known this, I would not have chosen this company. This company needs to fix my doors.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax data breached has caused more violation and could be more to my credit history XXXX XXXX XXXX in the XXXX XXXX known at this time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX- XXXX XXXX XXXX was repossessed. 
XXXX XXXX - XXXX XXXX XXXX was sold at auction. 
XXXX XXXX XXXX failed to provide the following documentation to the consumer according to Ohio repossession laws : 1. Notice of Repossession 2. Written notice of loan default 3. Notice of Sale 4. Written notification to the purchaser of subsequent responsibility for any deficiency remaining after the sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I just graduated XXXX XXXX, I just enrolled in college and Im XXXX yrs old I just had a Birthday XX/XX/XXXX. I never even known my own Social Security Number until now. when my XXXX XXXX counselor Told it to me. when she help me apply for colleges. and loans for school. we notices someone had open up multiple credit and credit cards under my name and social security. but the Birth day is incorrect on my credit file. it shows XX/XX/XXXX? I was not even born yet .... SMH  I was Born XX/XX/XXXX. I have been a victim of childhood fraud. Not a soul in my family knows how this happen. some accounts they said was open for 4 years or more? How I was a child. Please correct this and remove this off my recorded. Because I cant get my loans for college. Im worried about next semester. How could this happen?, how could someone be so bad to do this. please remove this.
Product: Mortgage

I applied for a loan and got approved with down payment assistance. Then the day before closing the lender states I cant get down payment assistance and I needed to pay XXXX to close. I already paid the appraisal fee, inspection fee, and XXXX earnest money. You cant take people that far in to the loan process just to change things. So I want to be reimbursed for the money I put into the process. I have emailed, called, and left voicemails with that company and no one will respond to me. You cant give someone an approval letter with down payment assistance then the day before closing tell me I cant do down payment assistance after paying all those costs.
Product: Student loan

XXXX XXXX is trying not to give me credit for PSLF payments I made to XXXX XXXX XXXX XXXX XXXX. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XXXX XXXX to repay my student loans. XXXX XXXX asserts that I had no bills due during the above-mentioned periods. However, I received emails from XXXX XXXX advising me that my bill was due for those periods. I was set up for automatic payments and so my bills for these periods were paid automatically from my checking account. I've attached the emails sent to me by XXXX XXXX showing my billing statement was available and that the payments would be automatically withdrawn from my account. I've also attached a payment printout from XXXX XXXX that shows that payments were made on the above-mentioned dates. If no payments were due, then XXXX XXXX should not have sent me billing statements and withdrawn money from my bank account.
Product: Credit reporting or other personal consumer reports

XXXX/COMENITY/ARHAUS Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Open. {$1200.00} past due as of XX/XX/XXXX. 
XXXX/COMENITY/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Open. {$150.00} past due as of XX/XX/XXXX. 
XXXX/COMENITY/VICTORIA Potentially negative Date opened XX/XX/XXXX Balance {$760.00} Status Open. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$920.00} Status Account charged off. {$940.00} written off. {$920.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$470.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$3600.00} Status Account charged off. {$3600.00} written off. {$3600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$40.00} Status Account charged off. {$40.00} written off. {$40.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$630.00} Status Collection account. {$630.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Collection account. {$9300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$650.00} Status Collection account. {$650.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$640.00} Status Collection account. {$640.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Specifically : Section 602 grants me the right to privacy, and my personal information should be handled in accordance with my expressed consent. Section 604a prohibits the furnishing of an account to the credit reporting agencies without my written instructions or authorization. Section 15 USCS 1666b clearly states that a creditor may not treat a payment as late for any purpose if it is not reported in compliance with the law.

This late payments is not accurate, and I assert that no payment was made late, nor should any such report have been made to the credit bureaus. I kindly request that you remove the late payments on my credit report. 1. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XXXX of XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just seen on XX/XX/XXXX the jvoennys is reporting that I opened a new credit card. I DID NOT
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my credit report for a mortgage refinance on XXXX XXXX, XXXX from XXXX, Equifax and XXXX I saw that my credit score, which used to be in the high 700s, was reduced to XXXX. The reason for this was listed as an issue on my XXXX XXXX. Line of credit account from XXXX XXXX which was charged-off in XX/XX/XXXX. I disputed this with all three credit rating agencies, and requested statements for the time period from XXXX. I have attached the result of my dispute with Equifax XXXX Confirmation # XXXX XXXX. As can be seen, the amount of the charge-off is listed as {$0.00}, and when I spoke with them by phone on XXXX XXXX, XXXX regarding the result I was told that the amount of the charge-off did not matter. 

From my XXXX statements I have found that this issue is related to the {$0.00} interest levied on a {$100.00} overdraft loan on XXXX XXXX, XXXX. I paid off the overdraft on the very next day, XXXX XXXX, XXXX, unaware that interest of {$0.00} would be applied on XXXX XXXX, XXXX ( as seen in the attached section of the statement from XXXX   XXXX ). This is the only amount that still shows up on each statement until XXXX   XXXX XXXX attached statement ). The statement for XXXX XXXXXXXX shows no activity in this line of credit account. I was not aware of this {$0.00} charge, XXXX never contacted me to pay it off, nor notified me that it would be charged-off, probably since the amount was too small to be worth their time. During this entire period I had more than enough money to cover {$0.00}, but XXXX did not charge this amount to any of my other linked accounts the way they typically charge their fees. Additionally, XXXX continues to offer me the same line of credit ( {$3500.00} ), so the charge-off of {$0.00} has apparently not affected my credit with the bank.
Product: Mortgage

Re : Attached SunTrust Mortgage Inc. 
Loan Modification Agreement # XXXX XXXX # XXXX Property Address : XXXX XXXX XXXX XXXX, FL XXXX PLEASE ADVISE THE STATUS OF THE ATTACHED LOAN MODIFICATION AGREEMENT. 


Thank you, XXXX XXXX XXXX
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.