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

On XX/XX/XXXX, I spoke with XXXX XXXX to pay my account balance of {$700.00} to Amerassist AR Solutions debt collection agency. I asked that the account be reported to the credit bureaus as removed/ deleted since I was paying the balance in full. XXXX XXXX agreed and told me Id receive a letter of receipt for the transaction with the removal as well. I was alarmed after waiting until XXXX to see, the change to my credit report hadnt been made. I reached out to Amerassist AR Solutions debt collection agency on XX/XX/XXXX & spoke with Ms. XXXX XXXX again, I asked why hadnt the account been reported as removed/ deleted & she asked to place me on a brief hold, that eventually sent me to voicemail. I called the company back and then spoke with Ms.XXXX she told me, Id have to wire the payment through my bank in order for the account to be removed from my credit report. Also was told, Id have to cancel the payment that was made back on XX/XX/XXXX and start all over again. Once payment is wired, funds are received immediately, and that will then remove the collection from my credit report. I went back over everything she said to me, and informed Ms.XXXX that it was unfair to me, because XXXX never mentioned any of that information, when I asked to have the account reported to the credit bureaus as removed/ deleted. Ms.XXXX abruptly asked to place me on a hold. I called my bank ( XXXX XXXX ) and asked the banker to stay on the call as a witness to what I had been experiencing. The banker and I were both on hold & sent to voicemail again. The banker placed a dispute on my account for the {$700.00} transaction to Amerassist AR Solutions debt collection agency & she then sent me an email to reach out to to XXXX and XXXX. XXXX rep XXXX helped me a lot by listening to what happened to me & placed a dispute. As of today, XX/XX/XXXX I still have not seen a change to my credit report with this matter, so I reached back out toXXXX and was told by rep XXXX Amerassist AR Solutions debt collection agency had responded with a letter validating the transaction. However, that letter did not include the removal/ deletion for the account that I requested for, when I made the transaction with the debt collection agency. XXXX then gave me the information to contact the CFPB and I had the pleasure of speaking with representative XXXX, who walked me through my next step to complain about Amerassist AR Solutions.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA Section 611 ( 15 USC 1681i ), the method of verification for disputed information on a consumer 's credit report involves a " reinvestigation '' process where the consumer reporting agency must contact the original source of the information to verify its accuracy, and if the dispute is valid, update the consumer 's report accordingly, including the option to delete the disputed information DEPT OF EDUCATIONXXXX XXXX {$29000.00} These credit accounts are the results of identity theft and fraud.
Product: Checking or savings account

I had an account with Bank of America. And in 2019 I had several charges on my account that totaled upwards of {$10000.00} that were not charges that I made. It was to what looks like a wood company. I had the same issue with all of my other credit cards including my other checking account with XXXX. Everyone did an investigation and refunded my money. Bank of America has neglected the fact that I made the fraudulent report in The beginning of XX/XX/2019. I called again in XXXX and again in XXXX. However when I called in XXXX I believe it was XX/XX/XXXX I was told that someone had called and asked if there had been a fraudulent claim and that I had said no. Further investigating this claim another representative found that while it stated that I had said there was no fraudulence, their head in fact been no record of anyone calling me. This means that they did not call me and they claim that I said something, that In fact I never did. I made another claim in 2019 XXXX. When I spoke to another representative again in XXXX I was told that because it was 60 days later after the transactions had already been completed that I would not be able to get a refund. This is not accurate information because I did in fact make the fraudulent claims well before 60 days were up. It is due to Bank of Americas negligence that 60 days past. Since then I have fax them several times that I did not make those charges which was their direction to do so. They still have yet to send me any piece of information, via email or mail. I have not received a single phone call about this issue. I finally spoke to another representative and I have had enough. I did not know that I could make a police report and I am going to. Again all of my other Credit card companies and XXXX where I had my checking account reimbursed me except for Bank of America who has not done an investigation. 

Furthermore I have learned that there are many people like myself that file claims of fraudulent with their accounts either being hacked, ATM cards being stolen, and many other situations were Bank of America will neglect claims, avoid investigations, and dismiss their own customers. I need help a year ago ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Federal Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights privacy and confidentiality under 15 USC 1681 Verge Credit : Act # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) aCT # XXXX 15 U.S.C 1681 SECTION 602 A. States I have the rights to privacy 15 U.S.C 1681 SECTION 604 A. 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 conviction 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 reporting agency if person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card

In XXXX I paid {$80.00} to Best Buy Credit Card XXXX out the balance. They charged me a late fee and I called back in XXXX to reverse the late fee. The woman I spoke to said she would reverse the late fee and post dated it so I would not get another late fee. Also there was a {$1.00} remaining balance that she said she would remove and I would not need to worry about it. She assured that I would have a XXXX balance. In XXXX I received another late and then again in XXXX. The balance was supposed to XXXX since XXXX but the credit card company keeps sending me late fees on top of late fees. Today on XX/XX/XXXX, I paid {$120.00}, over the due amount. XXXX XXXX  over the {$79.00} so I would not receive any more late charges.
Product: Mortgage

XXXX XXXX XXXX Need servicer to provide me access to my mortgage account to communicate.

In the past, I had access to sign into loan account. Setup to upload documents are now blocked.

Secure access is setup only from the servicer to me but I am blocked from responding. Only fax. After faxing, servicer denies receiving any documents. Same documents sent certified but delayed or return w a bogus signature like servicer denies that the contact who is signing is not employed with them.
Product: Debt collection

I submitted a complaint XXXX about The NCS inc, they did not send out the notice to me to offer to lower the debt on XXXX/XXXX/16 it was sent around XXXX/XXXX/16 they said that they gave me a dead line of XXXX/XXXX/16 this is false the deadline was XXXX/XXXX/16 and I have the letter to prove it. it is clear that this company do n't mind lying to achieve their goals. They have XXXX complaints about their underhanded tacticts and many more coming daily.
Product: Credit card

I've contacted this company several times but that are not understanding that I was in the hospital during the time the card was activated and that I don't have a credit card with this company
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of id. theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

2 of my cars were totaled within 3 years apart, and the insurance company paid out Lexus/Toyota Financial in full yet somehow Toyota decided to charge me deductible. They did not tell me, warn me, nor contact me to make these payments. For years i believed that this was not my fault and was told the insurance company will handle it. After years of being frustrated, i decided to pay the balances ( see screenshots ) just to get rid of it. Toyota financial assured me they would delete the derogatory standing on my credit report as it was not my fault AND i paid it. They have not done so. It has almost been a full year. This company is disgusting and i refused to get a 4th car with them after being so loyal.
Product: Credit card or prepaid card

On XX/XX/2020, I was trying to order a thermometer on Amazon.com and I got this message " Account is locked for suspicious activity, call ( XXXX ) XXXX XXXX ''. When I called the number, I was asked for the email address associated with the account which I provided. Then the representative told me that he was going to email something to me to verify the address. What I saw next was " 2 gift cards from XXXX ''. I asked him what is that? He replied don't worry Mom, there will be no charge to you. I declined to accept it, I hung up the phone and logged out. 
Unfortunately I received a bill for {$190.00} from Chase Bank that issued the Amazon credit card. I disputed the bill with Amazon, XXXX and Chase Bank back and forth. At the end ofXX/XX/XXXX I received an email from Amazon stating " A refund was issued to the credit card on XX/XX/2020 but Chase Bank keeps on harassing me with the bill and daily phone calls even after forwarding the email to them.as they asked me to do.
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 XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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.

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: Credit reporting or other personal consumer reports

I disputed an XXXX XXXX account/tradeline on or around wih Experian. Experian alleges they conducted a re-investigation and provided the results on XXXX XX/XX/2023. Experian claimed " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' To be clear the " updated '' information is alleged to be for the same account/tradeline. It is clear Experian did not conduct a reinvestigation because the comments for the dispute pertained to the account/tradeline XXXX XXXX XXXXXXXX with the comment SEND ITEM ALREADY MATCHES THE DISPUTE REQUEST. Therefore, Experian did NOT conduct a reasonable reinvestigation compliant with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Although 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires more than a cursory examination investigation into a dispute, had a cursory invesigation been conducted Experian would have found the documents suppplied for the correct account/tradeline were false/misleading/inaccurate. Since Experian failed to conduct a reasonable re-investgation, the XXXX account/tradeline needs to be removed.
Product: Checking or savings account

Someone other than the account-holder with a TD Checking Account has been transferring large amounts of funds to a trading app named XXXX. It totals {$240000.00}. TD is not being very cooperative. An investigation needs to be opened to unmask these on-line fraudulent transactions ASAP!
Product: Mortgage

I have made additional payments on my loan every month since origination, yet it still shows the maturity date as XXXX 2022. I believe my maturity date should recognize the thousands of dollars I have paid in additional principal and reflect an updated ( and reduced ) maturity date when I look at my loan information on the company 's website.
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 redress ( 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.
Product: Student loan

In XXXX my account was not shown as having a balance that needed to be paid. Not only that, but I have active autopay. There was no payment taken out of my account, and yet I received communication that my account was delinquent. When I reached out to Mohela they responded on XX/XX/year> and said that my Autopay was active, but no explanation on why I did not have a bill on my account for XXXX, all they said is I was overdue, even with autopay active. 

Fast forward to XXXX and the same thing happened. I checked my account at least XXXX times waiting for either a bill for an amount due, or a confirmation that my autopay was used, but nothing showed up. So, not only was I not able to pay, now I have more messages saying I am delinquent. 

I have zero financial issues on my end and I have the ability to make my payment every single month without hesitation, in fact I have my autopay set to pay double what my minimum payment is, but Mohela is making it look as if I am delinquent on paying.

I am concerned that this is going to affect my credit score moving forward, and I am concerned that it has now happened twice in the last few months.
Product: Debt collection

XXXX just called me and threatened me with jail. They did n't tell me what the debt was or how much or who the creditor was. When I pressed, they said in XXXX XXXX and hung up on me. They called from the # XXXX
Product: Credit reporting

My credit score has dropped XXXX points and the only action taken is that the monthly monitoring fee of {$19.00} was discontinued. The XXXX credit based companies are paid as agreed and in fact are being paid ahead of scheduled periods. The complete breakdown of the unfair credit reporting and scores being shown on website ( XXXX ) based on facts and details has the credit reporting companies dropping scores. Transunion has not in the last three months has not explained factually how the score is established and answers are total vague and based on unknown factors. Why should citizens have to pay for credit scores? The stoppage of monthly fee should have not changed score but it is factually only action at time of score drop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILE A DISPUTE WITH XXXX ON XXXX XXXX REGARDING SOME HARD INQUIRIES ON MY CREDIT REPORT LESS THAN 5 DAYS I RECEIVED A LETTER STATING THAT ARE FACTUAL. THESE HARD INQUIRIES WERE NOT AUTHORIZED BY ME, AND SUCH THEY SHOULD NOT HAVE BEEN CONDUCTED WITHOUT MY CONSENT. UNAUTHORIZED INQUIRIES MY ABILITY TO SECURE CREDIT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ( FACTA ), AND THE UNITING AND STRENGTHENING AMERICA BY PROVIDING APPROPRIATE TOOLS REQUIRED TO INTERCEPT AND OBSTRUCT TERRORISM ( USA PATRIOT ACT ), I HAVE THE RIGHT TO DISPUTE INACCURATE OR UNAUTHORIZED INFORMATION ON MY CREDIT REPORT.

UNDER UDAAPs Dodd-Frank Act ALL COVERED PERSONS OF SERVICE PROVIDERS ARE LEGALL TO REQUIRED TO REFRAIN FORM COMMITTING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES ( COLLECTIVELY UDAAPS ) IN VIOLATION OF THE ACT.
Product: Credit card or prepaid card

I just saw the news that Credit Karma will be paying {$3.00} XXXX to users target with false preapproved offers. The article cited the time period as " at least between XX/XX/XXXX and XX/XX/XXXX. '' I wanted to report that I had this issue in early XXXX, probably around XXXX. I had just moved, and just had an expensive emergency room visit. They were advertising that I was pre-approved for a credit card as part of a debt consolidation strategy, where you could transfer your balance to that card and pay it off with a much lower interest rate. I applied for the card and was declined. I was just getting on my feet in a new city and having a hit to my credit was incredibly challenging at that time in my life. I was very frustrated and upset that I was told I was preapproved and then was declined.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I was in a XXXX XXXXXXXX situation and was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to open a car loan, my abuser took advantage of my mental health and the mental health of my children and forced me to use my XXXX XXXX XXXXXXXX payments to put a down payment on the truck, i was scared and unaware of what i was doing as i went into the dealership ( XXXX XXXX XXXX in XXXX Ohio ) by myself and my abuser in the car holding my children XXXX, i had been secretly working on my credit to flee from my abuser and didnt want to finance a loan to begin with. The car salesman also spoke to my abuser and allowed him to make decisions on what truck he wanted and i went inside unaware of what i was doing out of fear and signed paperwork to finance with XXXX XXXX, they gave me extremely high payments XXXX per month which is more than XXXX percent of my son 's XXXX and the only incoming in the home because i am unable to work due to the XXXX  XXXX inside the home. on XX/XX/2022 I called back up to the dealership and let them know what was done and that i didnt really want the car, but the dealership was no help. I was told by the manager of the dealership to contact XXXX XXXX because it was their responsibility now and to explain the them what was going on, XXXX XXXX, transferred me to different people who were no help and said they could not get me out of the contract that was signed, i sent paperwork to prove that i was in a XXXX XXXXXXXX situation and was forced to sign into a contract with them. They never let me out of the contract, they dont care that they are making my situation worse and more unsafe. I've had a few late payments reported to the credit that has affected my score tremendously, i've disputed and asked for forgiveness on the late payments with no help or success. XXXX XXXX is now reporting false late payments and because of that my score has dropped over XXXX points, leaving me and my children stuck and in danger and unable to flee.
Product: Checking or savings account

I opened a checking account with chase bank and my funds cleared and I tried to XXXX  money and it froze my account up and they will not release my money to me it's around XXXX XXXX dollars please have them send me my money it's been almost a year now this is not right what chase has done to me
Product: Debt collection

On XX/XX/2018, informed the credit bureaus that I had no knowledge of this debt and received an " accounts verified '' letter back. On XXXX, 2018 I asked for information on validity but never received the answer to my question. Portfolio Recovery sent me screenshots of what appeared to be a bill of the balance owed but didn't list any purchases or information verifying the account. On XX/XX/2018 I sent Portfolio Recovery a letter asking them to verify the accounts because they do not belong to me and sent them a form in which they failed to respond to. Instead, they continued to send the same documents that literally only have my name as personal information ignoring the fact that I am telling them there is a problem! I sent yet another letter out on XX/XX/2018 advising them they still have not validated these debts and it needed to be validated or removed from my account since the accounts did not belong to me. On XX/XX/2018 I sent another validation letter, and yet another one on XX/XX/XXXX and still nothing changed. On XX/XX/2018 I also reached back out to the credit bureaus again to advise them of the back and forth all because they are reporting inaccurate accounts on my profile, they responded with the same computer generated response.