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

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think the credit bureaus have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/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  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX 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 Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/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 Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/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  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/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 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 XXXX 
financial loss, and I seek appropriate redress for these violations
Product: Checking or savings account

On XX/XX/2021, I personally deposited the amount of {$66000.00} consisting of 8 checks and cash ( payments for work ) in the amount of {$25000.00} at the Bank of America location on XXXX in XXXX. This amount is shown in the month of XXXX statement provided to me by Bank of America ( attached ). The same day, however, the bank readjusted the amount and deducted {$25000.00}. When I inquired ( again in person ) I was told that the deposit had not included any cash but only checks. This is false. I filed an official complaint with Bank of America number XXXX to the XXXX XXXX XXXX but there has not been a satisfactory resolution. The bank is refusing to provide the video. I was given about ten images to see but this is inconclusive. I am confident I deposited the cash and checks. A bank does not make a mistake of this magnitude when recording a deposit. Yet, without explanation or investigation, they are refusing my money. I own a XXXX XXXX XXXX and this money is the result of this labor. I am an XXXX  and don't speak XXXX and I believe the bank is not taking my claim seriously as a result.
Product: Checking or savings account

On XX/XX/XXXX, I went to a local Chase branch and deposited two cheques that are endorsed to me by my parents. On XX/XX/XXXX, chase closed my checking account and they told me I cant get the cheques back and they cant issue the amount to me as well. They told me to contact IRS to reissue the cheques. On XX/XX/XXXX, we got the response from IRS saying that the check has been paid to the bank and denied the claim of check reissue. Today XX/XX/XXXX, chase said they cant help me further. The moneys still with chase and they wouldnt release the funds to me. The only way is to talk to IRS and tell them to recall the cheques and get them reissued. I have been going back and forth between IRS and chase branch to get my money back, but they both denied my claim.
Product: Credit reporting or other personal consumer reports

I asked XXXX to remove the item from my credit report, because the account was charged off and no longer a debt with Chase ( JPMCB CARD ). They have sold the debt to another company and is no longer their account to report on.
Product: Checking or savings account

I am writing to complaint about a series of account holds/restrictions which HSBC is imposing on my accounts. On XXXX/XXXX/2020, I have made a check deposit for the amount {$1700.00}. On XXXX/XXXX/2020, an HSBC representative stated that the system had picked off the {$1700.00} deposit and therefore all of my online access has been suspended until this restriction is lifted. This is not the first time that all of my accounts have been on a complete " lockdown ''. Just recently, on XXXX/XXXX/2020, a hold was placed on my checking account for a check deposit of {$100000.00} for the same reason as stated by the representative -- the system had picked off that check. 

Similarly, on my HSBC credit card there were a total of 5 blocks placed for making payments. On XX/XX/2020 a block was applied ; on XX/XX/2020 due to the account status a restriction was applied on the account ; on XX/XX/XXXX a block was applied again due to " consecutive payments '' made. Attached is HSBC 's response regarding the blocks on my credit card account.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app fail to take timely and effective measures to prevent 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 and compensation for these violations.
Product: Credit card or prepaid card

I applied for American Express Everyday Credit Card on their online website and was eventually approved for it on or about XXXX XX/XX/XXXX. Part of their promotion was 10,000 points upon successful completion of purchase of $2,000.00 or more. Even after i completed all the requirements, American Express refused in XX/XX/XXXX XX/XX/XXXX for the following reasons:
1)  American Express says that i had the same credit card before, therefore i do not qualify for bonus for the Amex Everyday Credit Card. (I never had this credit card in my lifetime)
2) I have too many revolving accounts/high credit utilization so Amex refuses to give me the promotional points. (These were never advertised nor written in any agreements between Amex and I).

I believe every conversation i had with American Express was recorded and i would be happy to provide additional information should such opportunity arise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information is incorrect, because a deferment was filed to cover months. And no payments were due. So the negative reporting should be positive You 've paid off 100 % of your student loan amount.

Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 4 mos ) Term 120 months Payment History Youve made 44 % of payments for this account on time.

XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late 0/2/12 Closed XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I submitted a complaint to the Consumer Financial Protection Bureau case # XXXX detailing how XXXX XXXX XXXX XXXX XXXX XXXX XXXX my XXXX XXXX credit limit from {$14000.00} to {$2800.00} a day after I made a {$10000.00} payment. After contacting XXXX numerous times and being told there was nothing I could do about it, I closed my account and stopped payment of the {$10000.00} payment I made the day before. I stated to CFPB as well as to XXXX that I had never been late with my account and it was customary for me to make several large payments every month as I used that credit card heavily because of its rewards feature and that it was a poor business practice to cut someone's credit limit 80 % without any form of contact to the customer. They never called, texted, or emailed me informing me of the reason for their actions. After complaining to a high-level supervisor at XXXX they finally mailed me a letter saying my credit score had gone down. I have NO LATES with any of my current or past credit cards ( currently I still have almost {$120000.00} in credit limits with my current credit cards ) but it's their credit card and they can do what they want so I accepted their decision. My problem with XXXX currently is that their idea of " fixing '' my issue is to show a closed account with a credit limit of {$12000.00} instead of {$2800.00}. The problem I have with that is that it still shows me with a history of being over the limit and subsequently lowers my credit score. In addition, XXXX showed me 30 days late in XX/XX/2023 when their app showed me a minimum payment due of almost {$10000.00} due to the credit limit being lowered. When I spoke to the person at corporate, he said he would get both the credit limit on the closed card and the late payment resolved and he would get back to me in a few weeks with the resolution. Fast forward XXXX MONTHS and still nothing has been resolved. XXXX 's actions have severely impacted my credit score as well as my reputation as a reliable and responsible credit credit-worthy individual.
Product: Debt collection

It is evident to all concerned that this debt is not my obligation and, at no point in time, has it been. Despite this, Spring oaks Capital has refused to remove the incorrect information after warned numerous times.

I have repeatedly contacted Spring oaks Capital, pleading for resolution. Additionally, I have requested essential documents such as personal agreements or contracts that would substantiate their claim. However, they have failed to provide any such documentation and this is against the law. 

Given the repeated refusals to address my concerns and provide the necessary information, I am seeking your assistance in resolving this matter. Your help in removing the erroneous information from my credit file would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

Company ignored the fact that I am a victim of identity theft of XXXX data breach XXXX I've been trying for years to correct my credit report. I now know why things are popping up on my credit report. These accounts are not mine.
Product: Credit card or prepaid card

Capital One opened a credit card fraudulently in my name. After unsuccessful attempts to work with Capital One I filed a CFPB complaint. That resulted in Capital One admitting the action was fraudulent and removed card from my CR. I then asked for all documentation used to open the card and was told there was none because it was opened by telephone but regardless they required a subpoena to provide the information. I knew that was not true so I filed a second complaint. That complaint resulted in a letter from XXXX XXXX that I was correct but had to supply them with a signed letter request and two forms of ID. On XX/XX/XXXX I faxed the requested information to the number provided in their response letter. To date I have had no response so I called on XX/XX/XXXX using the XXXX number and the specified 6-digit pin to inquire on the Capital One Case #  XXXX. I was never offered an opportunity to enter the 7-digit extension specified in their letter. When I reached the CSR I was told there was no such Case # in their system. At that point I called the CFPB to determine why the CFPB case was closed and after discussing the status it was suggested I either mail all the documents I originally faxed or open a new complaint. I decided on the latter because XXXX XXXX would likely claim no such case existed and I would be nowhere in resolving this issue.I am uploading the fax cover sheet, the signed request letter, the response letter from XXXX XXXX dated XXXX XXXX, XXXX, the two forms of ID, and the fax tx verification report that I faxed to XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX..
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following items require rectification : 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 XXXXPlease remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past XXXX months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

The issue I've been having is with XXXX XXXX, the provider of the XXXX XXXX service in Florida. I was a customer of XXXX until the end of XXXX, terminating my service on XX/XX/XXXX. My account was set to auto-bill to my credit card ; therefore the month of XXXX was paid up in advance and there were no issues. Subsequently, I received a bill for services provided in XX/XX/XXXX, with an auto-bill to my credit card for the full amount. I disputed the transaction for XXXX services with my credit card company and successfully had it resolved. 

XXXX then sends me a bill for XXXX services ( 2 full months after I've ended my service with them ). I call their customer service, and they tell me it is normal - it sometimes takes 1-2 months for the billing to clear up, and I should just ignore it. Then I get a past-due notice from XXXX towards the end of XXXX, with same results. Call customer service, they apologize and ask me to ignore it. Now, I get an official debt collection notice from a collection agency being used by XXXX threatening to put a negative item on my credit report ... and I have literally NEVER been late with a payment in my entire life on my credit report. 

XXXX 's practices of continuing to charge customers ( or at least attempting to ) months after the end of service and going as far as sending " unpaid '' bills to debt collection are outrageous and need to be stopped. I'm attaching documentation that shows the same ( if the opportunity is provided later ).
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account XXXX XXXX XXXX  Reported to Equifax with an account number of XXXX and also reporting to XXXX as a charge off with payment history and through XXXX with no two year payment history reported at all. These accounts are incomplet and inaccurate.

I mailed out a letter to each of the previously mentioned companies on XX/XX/year>. Its been over 35 days with no response and according to 15USC 1681 i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a sonsumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through the reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They also violated these laws And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer or any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

XXXX, Transunion and XXXX are violating my rights in numerus ways reporting inaccurate information on my reports month after month and I want this corrected. Here is the list of their violations that they fail to correct : - Reporting as a charge off month after month, purposely re aging the account which is a direct violation of the Fair Credit Reporting Act. Accounts can report this the first time only, as each time they re-report it starts the reaging process, which is a violation - Reporting a balance on a charge off they do NOT own, which is a violation of the Fair Credit Reporting act. 
- Reporting a credit line on a charge off, which is false, as the account was sold. 
- Each company I have disputed is not reporting or indicating when and if this account was sold, purposely misrepresenting the status. 
- Balance calculations are not being validated properly
Product: Credit card or prepaid card

I purchased a rug from Macys.com on XX/XX/XXXX using my Macys credit card. In XX/XX/XXXX I received my first statement and the minimum payment was {$27.00}. I paid the {$27.00} over the phone using the Macys automated payment system on XX/XX/XXXX. I received a confirmation number. My XX/XX/XXXX statement arrived and it stated, XX/XX/XXXX PAYMENT THANK YOU with a {$27.00} credit. I missed the payment date of XX/XX/XXXX. I received my XX/XX/XXXX statement and it had additional late charges and a minimum payment amount of {$99.00}. I assumed that this was because I was late in XX/XX/XXXX. I paid the {$99.00} on XX/XX/XXXX. Around this time I attempted to refinance my home and learned that Macys had reported a late payment. I re-examined my XX/XX/XXXX statement and discovered that I was two months past due. It said that my payment from XX/XX/XXXX, the pay-by-phone check, had been returned on XX/XX/XXXX, and this did not appear anywhere on my XX/XX/XXXX statement. I contacted Macys customer service to see what had happened. They told me that my XX/XX/XXXX payment had been returned. They said they would remove the late charges as a courtesy. I thanked them but stated I wanted the late payment removed from my credit report. I was connected to the credit department where they informed me I had entered my account number incorrectly in XX/XX/XXXX and that it took until XX/XX/XXXX to report to me that the payment had been rejected. But in the meantime my account had become delinquent and was reported and there was nothing they could do. I called Macys executive customer service and spoke to XXXX XXXX. I stated my case again and she told me that Macys was not in error and that there was nothing she could do. I had entered my account number incorrectly. I explained to her that the automated system only reads back the last four digits of the account number for verification ( and those four digits were correct ). I stated this was a flaw in their system and she said that it was for privacy purposes and that it was still my responsibility to make sure it is accurate and that Macys was not in error. I made a good faith attempt to pay Macys in a timely manner in XX/XX/XXXX using their phone payment system. I received a confirmation number ; an XX/XX/XXXX statement verifying my payment had been received, yet on XX/XX/XXXX I was reported to the credit bureaus as being 30 days late. They were aware on XX/XX/XXXX that my payment was not accepted and I should have been notified on my XX/XX/XXXX statement. After examining the facts I think Macys is clearly in error. I  simply request that this derogatory mark be removed from my credit report. I ask for any assistance you maybe able to provide in resolving this matter.
Product: Debt collection

I have contacted These companies to try and dispute these charges. That were done falsely in my name. And through these actions. My accounts were reported through debt collectors, despite Me. Going through the proper channels and explaining. Explaining that this was identity theft.