23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XX/XX/XXXX, traded old car in for another with same lender. Dealership sent payoff check and instead of applying the funds for the payoff, as stated specifically on the check, instead it was posted as a payment towards my new loan amount. After almost a month of fighting with them about it having to be me only that could send documents, being a copy of the check the Dealership sent them, it was finally applied to the payoff of the old loan and closed. Before they fixed the error, expecting to need an attorney to fix the issue, I was informed this kind of situation falls under bank fraud for having cashed the check specified for other use Only for another purpose period. Their representatives response to this first negligible act, " it was an Honest Mistake. '' Prior to that issue being rectified, I paid the normal monthly amount owed, which was applied for XXXX. No statement or heads up were given as to what would happen when the funds were finalized correctly that I would owe in lieu for XXXX for their XXXX up. As well as having set up for auto draft having been less than 7 days from the due date of my account that it wouldn't take affect for that month which would had been for XXXX. Therefore causing me to miss XXXX 's payment. 
Mail comes stating the vehicle is due for repossession within 2 weeks of receiving in XXXX. When I called about this issue to them, I was in the end offered a few days extension for payment for the last 2 months of nonpayment. 
Upon calling to pay the amount after that call 4-5 days later, i asked exactly the amount of interest that would be taken from the large payment i was about to make. After being on hold for a good 5 mins, i was informed from the representative it would only be {$150.00} taken out. I made sure to ask again if he was sure that was the amount and he Assured me that it was and if not, only a couple dollars difference if more was to be taken. I checked my account today to see that my payment made was {$1000.00} and only {$36.00} and some change was applied on the principal and over 1k on interest! My credit score now also shows the day after I made this large payment I am in collections and past due by 30 days. The statement I pull up states I am only 9 days past due, but then tells me the amount shown ooooh includes next months amount in bill that is due in full by XX/XX/XXXX when the date on the statement 's date is from this month, XX/XX/XXXX. ILLEGAL acts all around and your company states when you call that ALL calls ARE RECORDED. Which will be great for my attorney should I still need him after this attempt to rectify the ignorance yet again.
Product: Mortgage

Due to financial hardship, I fell behind on my mortgage payments. I discussed my situation with my lender XXXX Bank of America XXXX in XXXX of 2015. I submitted the XXXX for Mortgage Assistance in XXXX, including all requested documentation only to be asked to submit the same paperwork over and over again. During the phone conversations, Bank of America, appeared to give me the run around and they informed me that the service on my loan was being sold on XXXX XXXX, 2015. I was also told that all paperwork would be sent with the loan documentation. I did not receive anything in writing about who will be servicing the loan. According to a letter I received on XXXX XXXX, 2015, from my understanding the service company assigned to my account is XXXX which is an agent of XXXX XXXX. I informed XXXX XXXX XXXX that I had completed paperwork for Mortgage Assistance, but they told me that there was no paperwork of that nature on file. Bank of America did not process the paperwork as they led me to believe. I requested the forms for Mortgage Assistance from XXXX XXXX XXXX, but I am yet to receive the paperwork. In short, the agent for my loan as well as Bank of America have not provided proper support for my repeated requests.
Product: Credit reporting or other personal consumer reports

XXXX failed to Take off a Fraudulent Address, stating that the Company Affirm Inc . Verified this address, there fore it was valid. Affirm XXXX authorized a Fraudulent charge to my Name and has no authority to keep this address that I have NEVER lived at nor have any association with on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type account status payment status last payment term length the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy. 

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Hi There, I did an XXXX XXXX flight on XX/XX/XXXX and received a flyer with an offer to apply for a XXXX XXXX XXXX managed by Barclays offering {$0.00} annual fee for the first year plus XXXX miles. 

I did the application online on XX/XX/XXXX and used the code stated in the flyer ( XXXX ). 

They approved me but I noted few days later that I was charged an annual fee of {$99.00}. 

I called their customer service many times asking why did they make that. They said that the promo was valid only if I had done the application in flight and that as I have done it online, the code was not applied. 

I reinforced that the flyer does say on the back cover that I could be doing the application online ( Apply in flight today or visit XXXX ) and sent it by email ( XX/XX/XXXX ) so they could see and validate it. Over a month later they said that they would not revise it, that the promo was not valid online. 

I'm sad to learn that Barclay 's does not honor their advertisement and wish you could make them honor it. 

Tks in advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to access my Equifax report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last XXXX digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX. I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with Equifax I have my reports that date back to XXXX to the present day, And XXXX report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and XXXX  has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.
Product: Debt collection

** I had to select the " debt is not mine '' option because an option is required although none of the available options truly define this situation I took my infant to the XXXX XXXX in the middle of the night on XXXX XXXX for an XXXX. I have medical insurance which covers all but {$150.00} copay. I provided my medical insurance and did pay my copay. The hospital and physicians bill separately. The hospital billed my insurance and was paid accordingly ( EOB verifying attached ). The physicians did not bill the insurance and billed me directly ( bill attached ). I assumed the bill was because it had not yet processed through insurance. When I received another bill in XXXX of XXXX I called and inquired and they stated that they did not have the insurance information. I provided all of the insurance information again and they assured me it would be taken care of. I never received another bill so assumed all was taken care of. 

A few weeks ago, in pulling my credit report, I noticed a collections company on the report. I called and inquired and found out it was this bill that was under collections. I never received any call or notice that this was going to collections nor that the debt was still outstanding. Immediately upon finding out about it I called the collections company who told me they could n't even provide me a copy of the bill and there was nothing they could do unless I wanted to pay the amount due. They advised it was past timely filing for insurance so they could not submit it. I called the provider office who told me the account was " sold '' to the collections company and they dont even have access to anything anymore. I was eventually able to retrieve a copy of the bill but she told me that she could no longer assist me with settling the account through insurance. 

I spoke with my insurance administrator and they contacted my health insurance company. I was told that the provider violated the insurance contract by not submitting to insurance timely and that I was not responsible for the debt. My companies insurance rep " XXXX '' called both the provider and the collections company but they have not been receptive and they will not even send the claim to insurance. 

The collections company has not been cooperative in the least and I have been blackmailed with my credit report for payment. I have never had collections or anything like this on my credit report. It is not my fault that the company did not submit to insurance when they obviously had the insurance information. When you visit the ER you only provide the information to one person which I did evidenced by the fact that the hospital filed a claim timely. In addition, I also called and provided the information a second time.
Product: Prepaid card

On XXXX, I received a {$250.00} Visa virtual prepaid gift card via giftcards.com that will not work for any online purchases with any merchant. The company has not issued a refund or done anything to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$14000.00} on XXXX XXXX partial account number XXXXXXXX. ( Please see page attached from my credit report. ) This vehicle was stolen and I was covered by insurance with XXXX. I have attached a copy of my insurance and I have also attached a copy of the Incident Report ; Case Number XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting

A collection account ( XXXX ) was removed from my credit report after disputing it with Equifax. The account was deleted between XX/XX/XXXX and XX/XX/XXXX and then readded back to my report a week or 2 later. I called Equifax and they are refusing to remove the account. I re disputed the acct again by mail on XX/XX/XXXX along with another account ( XXXX ) and they again notified XXXX the accounts were removed off of my report but when I checked it is still showing. I was not given a 5 day notice telling me that a reinsertion was taking place which is required by law
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX for the XXXX payment. They did not apply to my monthly mortgage payment but instead of applying the payment towards escrow. I have contacted them to correct it but they refused. 

I also closed XXXX XXXX XXXX  and XXXX XXXX but Equifax still shows on my credit report.
Product: Money transfer, virtual currency, or money service

I am 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 failed to take timely and effective measures to prevent and address fraud on the platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error solutions requirements the the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redness for these violations.
Product: Debt collection

Never received correspondence per FDCPA nor right to dispute I had no idea this was a debt Late pay reporting ruining my Credit
Product: Credit card

Already made complaint and will attach documentation for reference. Recd an email to see if i need help paying the bill that was fraud and was told it was being removed from my credit and inquiry removed etc.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX Dear sir/madam, I am writing to bring to your attention a serious matter related to my consumer rights, which, i believe, your company has breached. The particular rights in question pertain to the validation and reporting of debt, as governed by the fair debt collection practices act ( FDCPA ) and the fair credit reporting act ( FCRA ). 

In this context, I had previously asked for a verification of a debt that is purportedly owed by me. I attach herewith the related correspondences as evidence of my request. However, your organization has continued to fail in providing me with the necessary validation, a contravention of the FDCPA. In addition, despite the ongoing dispute, you have continued reporting this contested debt to the credit bureaus, an action that infringes on the FCRA and inflicts harm to my reputation. 

In order to reconcile these issues, I once again implore you to adhere to the FDCPA by providing me with the following information : 1. Evidence of your legal entitlement to collect the alleged debt.

2. A detailed account statement delineating the claimed balance, inclusive of all charges, interest, and penalties.

3. The contract bearing my explicit signature, thereby establishing my liability towards the debt.

4.

Please note that the legal concept of " estoppel by silence '' implies that your failure to respond, despite the obligation to do so, indicates your concurrence with my stance that this debt is invalid. I shall resort to invoking this principle in my defense, if necessary.

I expect to receive the requested information within 15 business days from the receipt of this letter. If you persist in neglecting my request for debt verification, I reserve my right to initiate legal proceedings against your company for the breach of my consumer rights as stipulated in the FDCPA and the FCRA. I may also consider seeking damages, should the situation warrant such action.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX, XXXX
Product: Checking or savings account

This is in response to Arvests banks numerous and identical answers to my complaints about their violation of Regulation Es guidelines. There is a 60 day threshold. I was instructed to get this complaint and their answer through the CFPB by the Arkansas banking, the states Attorney General and the FDIC before they would be able to proceed. You keep saying my complaints are duplicates.
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 violates the Consumer Financial Protection Act. 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.
Product: Credit reporting or other personal consumer reports

XX/XX/23 a hard credit inquiry was sent to TransUnion from XXXX. I did not apply to anything from that place ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX BANK XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account number XXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear WFBNA CARD, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with *insert original creditor*, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records.

3. Monetary compensation in the amount of {$1000.00}.

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

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

I was not notified, but when I checked Equifax 's database I was told I may become a victim of fraud because they improperly stored my financial record.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, XXXX and XXXX 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. 16811, 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 the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax not wanting to remove a hard inquiry. On XX/XX/2019, I  received an alert from XXXX XXXX XXXX credit monitoring service ( Thanks god to them ) about an unauthorized hard inquiry from XXXX. I immediately froze my credit reports from all three agencies. filed FTC Identity fraud report and called XXXX on XX/XX/2019 and XX/XX/2019 who twice stated that they submitted retraction of the hard inquiry and gave me email confirmation of it. 

I have contacted Equifax over XXXX XX/XX/XXXX in a direct message to which they said they would get a " senior team member '' to contact me on XX/XX/XXXX. No one called me. I tried sending more direct messages which were willfully ignored. I filed an Equifax dispute about 23 times ( this will keep increasing until it go away ) to date to properly open an investigation to remove the unauthorized inquiry. 

XXXX declared the inquiry fraudulent and claimed they sent inquiry retractions and Equifax does not want to retract, so at this point I believe they are in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. 
I have paid the balance in full but noticed my XXXX credit account has NOT been reported to the credit bureaus.