23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint aga

inst 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 redressfor these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Potentially Negative potentially negative icon show account button Account NameXXXX   Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusPaid, Closed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$250.00} Highest Balance {$580.00} Terms NA Payment History LEGEND3030 Days Past DueCLSClosed XX/XX/XXXX Reported annual fee past due. Negative credit in XX/XX/XXXX 
Called XXXX to report deceptive practice from XXXX XXXX Sales Person and cancelled card. 

Was buying TV and sales person said TV would be a little cheaper by signing up with XXXX XXXX   Card. I asked specifically if there was an annual fee because I don't do cards with annual fees. They told me there was not. So signed up for card. Bought TV with reduced priced. 
Paid bill for TV. Then just put the card out of my mind because I hardly ever go to XXXX XXXX. 

Found out I had a negative score in XX/XX/XXXX. Called the credit card company. Found out I had the negative score because of a missed annual fee payment. I then told them my story and told them to cancel the card because I was lied to and that I believed my negative score should be struck because the reason I had the missed payment was because I didn't even know I had an annual fee. I never bothered with paying attention to the XXXX  XXXX  card after I paid off the TV. 

The sales person at XXXX XXXX  flat out lied to me. So I still strongly believe that that negative hit on my credit report should be removed because of deceptive practices conducted by XXXX XXXX   employee.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, XXXX XXXX XXXX section XXXX states i have the right to privacy XXXX XXXX XXXX section XXXX section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : a creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I attended XXXX University almost 10 years ago. My students loans were taken out in my name by my mother and not by myself. I did n't know about these loans or agree to them. I found out about the loans after she passed away and now they want to make me responsible for them. 3 years ago I joined the United States XXXX and am trying to go back to school while I serve as a XXXX. I contacted XXXX University to request my transcripts be sent to my new school. They say that they cant release my transcripts until I pay them {$1500.00} which is not possible at this time. I even asked if I could start a payment plan and I was told it had to be paid in full. I even stated that these transcripts are for military purposes and they still refuse to help and send the transcript. They say that they greatly appreciate what our service members do for this country and love helping out, yet they want me to pay {$1500.00} for a {$6.00} transcript and all this is so that I can do the right thing and continue my education to obtain a degree and become an officer in the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX Bank for XXXX has indicted on my credit report that I was 30 days late on my payment which is not true. I send a check for my payment and perhaps they did not open my payment in time. Regardless I have NEVER been 30 days late XXXX XXXX has indicated on my credit report that I was 60 days late. No, I one again was not late XXXX was in litigation with them because they charged me for a product I never received. By the way, I won this complaint.
Product: Debt collection

Repeated calls from RESTRICTED phone number. I have not answered these calls. Caller leaves a voicemail purporting to be " XXXX XXXX '' and insisting that I call his [ unnamed ] firm immediately at XXXX. 

I received calls on XX/XX/21 at XXXX and again at XXXX. Immediately following the second call, the restricted number called my husband 's phone number and left a similar message that I needed to contact unnamed firm immediately. 

On XX/XX/21, I received calls at XXXX. Followed immediately by another all to my husband 's phone line as well. Similar message. That I " needed to clear time this morning to call him back ''. 

On the afternoon of XX/XX/21, at XXXX RESTRICTED number called again and left similar message. Then immediately after, the RESTRICTED number called and left a similar voicemail with my brother who lives in another state. 

Researching the phone number XXXX online reveals numerous reports of harrassment connected to that number. Reports reveal that the person behind these calls will often contact other family members and even employers.
Product: Credit card or prepaid card

I called and spoke to Capital One on the XXXX of XXXX explaining that I had difficulty paying the bill because I lost my father due to XXXX and I had to pay for his funeral expenses and the representative told me that she will work with me so you gave me three different options and I chose one of them and it was for 3 payments of XXXX for the next 3 months, so I went online to check my balance and I see that I was charged a late fees and Im like why would I asked for help and still get punished with a lot of fees that will accumulate on the account this company is really making things hard for me and my time of bereavement and I called and it was no help at all with the company
Product: Credit reporting or other personal consumer reports

For the last at least 6 month this company has reported my account 30 to 60 days late when it's not. If my payment is due on the first of the XXXX of the month and its late after the XXXX of each month that's not 30 or 60 days late. They report when they want to the XXXX or XXXX of each month and its affecting my credit I've emailed and I've called and all I get is a dispute it with the credit bureau from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian intentionally refuses to meet compliance with 609 ( a ) ( 2 ) ; ( a ) ( 4 ) ; 611 et. seq. and/or additional FCRA laws, & more importantly violation of the Fair Accurate Credit Transactions Act ( FACT Act ) of 2003 enacted by congress in which its behavior may have risen to either a criminally or civil liabilities claim.

Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq.,  remains intentionally silent or misdirected and thereby remains non-compliant of FCRA 's authorities to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a delinquent account on my credit bureau 's that is not mine. XXXX XXXX I have never applied for. I have called, reported them to XXXX XXXX XXXX XXXX  but they still have not removed this ding on my credit. I would never associate myself to these kind of businesses and ask that you would be so kind to request they remove this account asap.They can not show me proof that I signed anything or show my ID to prove it is mine.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit! 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to necessitate the elimination of any erroneous accounts from my credit report. Could you please verify the documents? Some of the listed accounts are inaccurately reported.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I found late payments listed. Despite sending letters over XXXX days ago, I have not received a response, and I have not been provided with satisfactory validation. I kindly request your assistance in resolving this matter.
Product: Student loan

I am in the Public Service Loan Forgiveness Program with all loans through Fedloan Servicing. In early XXXX of XXXX, my loans properly reflected that I had accrued 60 months of payments towards loan forgiveness. Later in XXXX of XXXX, one of my federal loans reached {$100000.00} in outstanding interest, and unbeknownst to me, was automatically split into two separate loans, with {$50000.00} of outstanding interest in each. When these new loans were automatically created, Fedloan Servicing failed to recognize any of my previously accrued months of public service payments. 

On XX/XX/XXXX, I contacted Fedloan Servicing and filed for an official recount of my payments to ensure my accrued months would be reflected on the now split loans. I have not received a response as to when the recount of my payments will be completed despite frequently contacting Fedloan Servicing regarding this matter over the last two and a half years. As I am now entering what should be my final year of Public Service Loan Forgiveness payments, I would like to ensure that the review is timely completed and that all of my payments are properly reflected. Thank you.
Product: Checking or savings account

Why are transactions that are automatically withdrawn from my account not show up on the day they are actually withdrawn? They are appearing after my direct deposit has been made, but then backdated to the day they were actually withdrawn. This then creates insufficient funds fees. I have almost {$200.00} in insufficient funds fees due to this issue. For instance : when I checked my balance on  XXXX / XXXX /  XXXX  , it was overdrawn {$62.00}. On  XXXX / XXXX /  XXXX  , the day my employer made a direct deposit, all of these other charges ( and insufficient funds fees ) appeared suddenly, only they were backdated to reflect that they had been debited previous to the direct deposit. Yes, there have been times when I knew my account was overdrawn and fees would be added accordingly, but the way your system is set up to process transactions is corrupt. This is fraudulent activity and if it continues, you will lose another customer. I know that FDIC has you rated  as one of the top banking institutions in American, therefore you feel you are able  to manipulate the masses as you seem fit, but you wo n't strong arm me. I work too hard for my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to purchase a home and in order for me to move on with that process I called XXXX XXXX and I called Transunion. XXXX told me they can't remove the late payments, not even one. When I talked to transunion they told me they can remove just one and I was fine with that. I was late XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I was XXXX  and I am also a single parent. I'm not trying to be difficult at all or cause confusion. When I checked my credit report days later my late payment from XX/XX/XXXX was moved up XX/XX/XXXX. Im not understanding. The guy from transunion told me he would remove it and he did not.
Product: Debt collection

I have this company or collections agency damaging my image, prohibited my me and family from buying or renting property, my life is in danger because it's putting a strain and stress on my life .Credit is all I have.I tried to contact Wakefield & Associates 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX  3.These 3 collections companies have damage my credit and personal. life I would like those Items Deleted from my credit report Immediately. From All 3 Credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and someone my information has been used to try and open accounts. The inquiries are not mine or initiated by me : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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 TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit 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 XXXX XXXX XXXX Late closed 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: Checking or savings account

On XX/XX/2022, I became a victim of identity theft and fraud. I initially received a phone call from an XXXX number stating they were a Citibank representative and that someone was attempting to make a purchase of over {$500.00} in another state. I continued the conversation stating I did not make those purchases. At this time the representative continued to tell me that a few different transactions had occurred while on the phone with them. In summary, a loan was applied for online for the amount of {$4100.00}, approved and then put into my checking account without any knowledge or consent from me prior to this phone call. After that initial transaction, multiple transactions occurred that left me with {$0.00} in my checking account and an overdraft amount of {$420.00}. When I called and spoke to a real, true representative, I was met with a slew of denials and months of agonizing stress and financial hardship and no communication available to me to resolve my situation and get my money back that was initially in my account. This includes any branch that I went to in person. Since then, I have been hacked again with the same bank, changed accounts twice and now have closed my account to open with another bank. I have also been sent to collections for not agreeing to pay the overdraft amount fee when they gave me back the wrong amount of money that I never took out or applied for a loan in the first place. I finally went to a branch, where an associate had canceled the overdraft fee and payment that was supposedly owed, however when I continued to get letters from collection agency 's, I went to the XXXX of that branch to be told they fired the employee who told me she closed the payment that was supposedly owed. The XXXX then told me she would look into the situation. Months later, I return to find out she did absolutely nothing and it's out of her hands. She claims an amount was returned to me that I was supposed to send back but I never received a phone call or email stating this. I have phone records and documentation to back up everything. My credit score has fell and I am extremely unhappy with the way I was treated after being with Citibank for more than XXXX years. I do not want anyone to go through what I did after being a victim of identity theft and fraud.
Product: Credit card

My Capital One credit card account ending in XXXX went to collection around XX/XX/XXXX. Account got closed and I started getting call from a collection agency named XXXX ( XXXX ) around XXXX XXXX and XXXX told me that my capital one account was closed and had gone to collection and now XXXX was handling the account. I made the payment to XXXX for total balance and believed it to be all resolved. I also received a letter from XXXX stating that I had made full payment on my capital one account. Fast forward in XX/XX/XXXX, I did my credit score check and found Capital One balance of {$60.00} lingering on my credit report for many months. I disputed the amount but got no result from CRA or Capital One. Now, when I call XXXX, they would not even take my call and instead refer me to Capital One. When I call Capital One, they say XXXX already closed my case. Due to this erroneous reporting of {$60.00} balance occurring for many months, my ability to obtain credit fairly was restricted. I had no choice but to call Capital One and pay the {$60.00} to prevent further damage to my credit. However, I still believe that by unfairly reporting {$60.00} in my CRA reports, I was forced to pay the amount. Furthermore, it damaged my credit reputation. I request CFPB to ask Capital One to look into this matter in detail and correct their mistake, and remove erroneous reporting from my credit report.
Product: Credit card

I called the hotel, XXXX XXXX, possibly XX/XX/XXXX, to reserve a block of rooms for my son 's soccer team who was playing in a tournament in XXXX, MT on XX/XX/XXXX-XX/XX/2016. They gave me a block of XXXX non-smoking, double rooms for $ XXXX/night plus tax. The rate of the room was {$82.00} per night. When I made the reservation, they did ask for my credit card to " hold '' the rooms. In addition, we agreed that any unused/reserved rooms would be released on Friday, XX/XX/2016. I asked a couple of different times before hanging up with them that the unused rooms would be released so that they would be able to have them available for other customers. There was nothing in writing confirming this, only verbally from the clerk who took my reservation. 
I checked in to the XXXX XXXX on Friday, XX/XX/2016 for check out on Sunday, XX/XX/2016. At that time, the front desk clerks did not mention anything to me about possibly charging me for the unreserved rooms. In fact, nothing was mentioned about the unreserved rooms at that time. I paid for my room, XXXX, for the two nights for a total cost of {$160.00}. 
When I got back to the hotel after XXXX on Saturday, XX/XX/2016, a hotel clerk asked me if anyone has talked to me about the unreserved rooms and being charged for those unreserved rooms. I told her at the time that I was told XX/XX/XXXX, that any rooms not reserved by Friday, XX/XX/2016 were to be released. She said that she would talk to her manager and get back to me that night. No one contacted me for the rest of the night. 
When I was checking out Sunday, XX/XX/2016 no one said anything to me about charging me for the XXXX unreserved rooms. I believed that the issue was resolved and that the rooms that they wanted to charge me for were then used for the night of XX/XX/2016. 
The documentation that is listed under Case # XXXX is the amount that I agreed to pay in the amount of {$160.00} and you have the same copy I have for the receipt, registrations, and bill given to me when I checked in on Friday, XX/XX/2016 at XXXX. However, under the same case number, there is an additional charge for {$82.00} which I did not give permission to charge my credit card for that amount. 
When I further look at the documentation sent regarding this matter, the XXXX XXXX is using the credit card slip I did sign for in the amount of {$160.00} for room XXXX for the additional rooms. I did not give them permission to use the credit card for the other rooms. 
I have documentation from XXXX XXXX XXXX that the hotel gave to XXXX XXXX XXXX in where bills for various rooms that were unused by myself, but there are no signatures giving my consent to use my credit card for those other rooms. How am I able to send that additional documentation to you for review?