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

I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. With all these data breaches Im not sure what to do
Product: Debt collection

XX/XX/2019. {$1400.00}. Negligence of car repair services and cancelled check has prevented me from working and paying my rent and my water bill and my charge card. My employers check bounced due to insufficient funds. As a result, I have been losing my comfort zone and my prospects due to stressful environments.
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 CFPA. Specifically cash app failed to take timely and effective measures to prevent and a dress fraud on their platform leaving my account unprotected. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution under the EFTA and regulation E. These actions have caused significant inconveniences and financial loss and I seek appropriate redress for these violations
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 Proctection 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 abf financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have going to this company since XX/XX/XXXX .I have just been renewing the same payday loan that I have always been renewing. The problem is this company keeps pulling my credit profile leaving me with hard inquiries on my report and I have not been asked once could they do it.The most recent was XX/XX/XXXX.I am  being turned down for lines of credit do to all of these inquiries on my report..
Product: Student loan

Navient has not been reporting to the credit bureau that I was making my payments on time and completely tanked my credit score. 

They have said that they fixed it, but I have no idea if that's true or not and I want this reported regardless. This is unacceptable.
Product: Checking or savings account

On XX/XX/XXXX, I opened two XXXX  accounts online with Discover Bank and received new account numbers for a XXXX and XXXX CD, with APY Rates of 5.00 % and 5.2 % respectively. The only acknowledgement I received was a " You're all set, XXXX '' that also contained the new account numbers. 

A couple of Days later, on XX/XX/XXXX, I emailed and called Discover Bank to verify that these accounts were active and asked for more clarification about funding these accounts. The Discover Bank representative from Utah informed me that I could send the funds by XXXX Mail or via electronic bank transfer. She assured me there was no urgency because Discover Bank was allowing 45 DAYS ( from XX/XX/XXXX ) to fund these accounts. I also wanted to verify what the yield on the XXXX CD would be if I deposited {$60000.00}. She calculated this amount to be {$3100.00} based on the 5.2 % APY that was advertised. This all seemed fine to me. 

On XX/XX/XXXX, my understanding was that I had opened a new XXXX CD account at Discover Bank with 5.2 % APY and Maturity Date of XX/XX/XXXX On XX/XX/XXXX, I went to my local bank and initiated the transfer of {$60000.00} to Discover Bank for my new XXXX CD account. 

Today, on XX/XX/XXXX, my funds are there but my Discover Bank XXXX account is showing a 4.9 % APY and a Maturity Date of XX/XX/XXXX!?? This is NOT OK!!! 

I immediately called Discover Bank and spoke to a Supervisor named XXXX who tried to inform me that my Discover Bank Agreement states that I had only 10 Days to fund the CD accounts- the PROBLEM is No Agreement was provided to me on XX/XX/XXXX! 
And, as of the Date of this Complaint, No Agreement and No disclosures have been provided. I only received a Congratulatory email from Discover Bank stating that I would receive a 'Welcome Kit ' 10 Days after I funded my new accounts. Consumer fraud - online fraud. Both!
Product: Mortgage

Mortgage question : PNC BANK Spouse passed away in XX/XX/XXXX Surviving spouse contacts mortgage company regarding death, fills out the appropriate form and supplies death certificate in XX/XX/XXXX Deceased spouse only is listed on mortgage but according to MN law, I believe both spouses are required to be listed on title According to XXXX XXXX XXXX XXXX surviving spouse inherits mortgage and can assume it. We believed it be that no additional actions were required. 

XX/XX/XXXX, PNC reaches out to XXXX XXXX XXXX company to verify the homeowners policy has been renewed, as the mortgage has always been covered by private insurance. 

The homeowner had renewed the insurance policy with XXXX XXXX insurance but it was changed in XX/XX/XXXX to the surviving spouses name. We come to discover after reviewing statements that PNC did not change the name on the mortgage when receiving death certificate in XXXX. Now in XX/XX/XXXX, PNC reaches out to XXXX XXXX but claim they could not verify the Homeowners policy because it did not match the name ( deceased spouse ) on mortgage and added lender insurance on the loan. 

PNC did NOT change name on mortgage for a year, still listing the deceased spouse as mortgage owner. 

Because of this, the homeowner has been paying private and lender insurance. 

Not until XXXX did they change the name in the mortgage to the below instead of removing XXXX and replacing with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received services on XXXX/XXXX/15 and this was a medical service that was paid for by my insurance company. I contacted XXXX XXXX and they assured me that I had no balance with them. The creditor AR Resources INC continues to try and collect on a debt that was paid.
Product: Debt collection

I am writing to express my extreme annoyance and frustration regarding the accounts on my credit report that I believe are inaccurate. I have already contacted your bureau regarding these accounts, and while they have acknowledged errors and removed them, your bureau has not provided any resolution. I demand that you conduct a thorough investigation into these accounts and remove them from my credit report as they are unverified and inaccurate. I want to reiterate that these accounts contain inaccuracies, and I have reason to believe that there is insufficient information to verify the debts. The other major credit bureaus have recognized this and taken the necessary steps to rectify the situation promptly. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX I am perplexed as to why your bureau has not followed suit. Your bureau 's inaction is not only frustrating but also unacceptable. I urge you to comply with the same standards as your counterparts and rectify this matter immediately. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card

On XX/XX/XXXX, I booked a round trip flight, fully using points from XXXXXXXX XXXX XXXX XXXX credit card rewards program. In XXXX, I called XXXXXXXX XXXX to change the return flight ( XXXX ) of this flight to a later date in XXXX. 


On XX/XX/XXXX, I called XXXXXXXX XXXX again, to change the date of the flight. This time however, the fare was more expensive, and this resulted in an extra cost of {$250.00}. I paid this directly to XXXX XXXX with my Elan Financial Services Credit Card. About a week later, I called once again to change the date of the flight, but this time, the fare was cheaper, so I was owed a refund of {$250.00}. XXXX XXXX stated that it could not be refunded back to my credit card, and would instead be sent back to the travel agency, which iXXXX XXXX XXXX XXXX XXXX travel partner. It was my job to claim this refund from XXXX XXXXXXXX XXXX, and XXXX XXXX sent me a receipt that would aid in this. 

On XX/XX/XXXX, I began correspondence with XXXX XXXX in search of the refund. I was in contact with them until XX/XX/XXXX. I gave them the refund receipt from XXXX XXXX, but they could not locate any refund. it was ultimately determined as " not their problem ''. 

On XX/XX/XXXX, I created a dispute for the {$250.00} charge with Elan Financial Services, XXXX. Shortly after, I received an email from XXXXXXXX XXXX stating that they are rejecting the dispute, as I need to work with my travel agency to retrieve my refund. After explaining the issues I had working with my travel agency, XXXX XXXX agreed to work it out without involving Elan Financial Services. They told me they would need documentation showing the travel agency 's unwillingness to refund my money however, to which I provided on XX/XX/XXXX. XXXX XXXX has not replied or continued to work with me afterward, despite what they promised. 

On XX/XX/XXXX, my dispute was resolved in XXXX XXXX 's favor, and the reasoning shows a lack of willingness to understand the problem. The reason stated is that the transaction is non-refundable per XXXX XXXX 's terms and conditions. If that's true, why do I have a refund receipt from XXXX XXXX, and they had said themself that I deserve a refund? 

This situation is exactly where a chargeback is valuable, however my card issuer does not seem to care at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting me 120 days past due on XXXX - partial account number XXXX. XXXX is reporting me 120 days past due on the XXXX - partial account number XXXX. These accounts reflect a {$0.00} balance and {$0.00} past due status. It is impossible to be 120 days late on accounts that have a {$0.00} balance and {$0.00} past due amounts. I have contacted the two bureaus to have this fixed. This incorrect reporting is harming my credit score.
Product: Prepaid card

I am on XXXX XXXX and received payments through NJ. They only make payments through a pay card from Money Network. Since Monday XX/XX/XXXX, I have been trying to transfer the {$2300.00} balance from the card to by bank account. No matter what balance I enter, I receive an error that the card does not have the sufficient balance to allow the transfer. When I contacted Money Network, the first representative said there was nothing they could do and told me I would have to go to the bank for a cash advance or ATM withdrawal. The second representative said the system blocked my transaction for security reasons. The system is completely automated and would reset itself in 1 to 2 weeks. There is no service department or human being that resolve the issue manually. I can't pay my mortgage with a debit card and the banks I use don't offer cash advances any more. I'm on XXXX XXXX taking care of a family member so it is not feasible for me to visit an ATM everyday for {$600.00} a day. I don't want to wait two weeks to find out bank transfers still don't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Debt collection

Was solicited by I.C. Systems, inc. AKA XXXX XXXX, an apherently legit collection agency about collection on {$6300.00} owed by a company known as XXXX XXXX XXXX, or XXXX that is addressed to a condemned restaurant building in my home town and shows my home address as well. I did not start, or own any said company at all and i am not responsible for this dept. The Wyoming Sec. of state shows no entity registered either. 
My credit shows zero lates, charge back etc. and is, has been, and always will be perfect. Credit freezing measures are now in place. This is a case of ID fraud and I request I.C. Systems, Inc. provide any and all documents to support legitimacy of dept alleged for collection, Articles of organization or incorporation of said fraudulent business and any and all E signatures, paper signatures, etc. with my name on them to validate their claim. 
I also want to know the identity of the people who started this fraudulent business under my name and identity to counter sue to the fullest extent of the law, including said collection agency if deemed necessary. ( SEE ATTACHED DOCUMENTS )
Product: Student loan

Applied to lower monthly payments to {$140.00} and have been keeping up with payments consecutively for year. Without notice I have a past due amount due to payment hike up to {$650.00}. I have applied for CSRA to reduce my interest rate and have been unsuccessful. I have been a member of the XXXX XXXX XXXX since 2009 and have been eligible and received my CSRA benefit with the 2 credit cards I have but navient has not awarded me the benefit. My total loan balance left is {$21000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the charge-off account associated with on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), you are legally obligated to provide complete and accurate documentation to verify the legitimacy and accuracy of this account 's reporting. Additionally, under Louisiana law, I have the right to demand validated evidence of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being. I have rights under 15 USC 1681.

TransUnion is governed by 15 USC 1681, and they are NOT the original creditor of XXXX XXXX, this can not be so. XXXX XXXX has violated my rights numerous times by alleging that a debt of {$1400.00} USD is owed that has already been disputed and deleted from my credit report, this can not be so. 

TransUnion has fraudulently double backed and reported a debt that has already been DISPUTED and DELETED from my credit report before, and it is now reappearing after such actions, this can not be so! 

I have not supplied proof under doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

I am hereby demanding that this derrogatory/invalid account be REMOVED from my credit report. According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion the right to furnish this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inquires that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE ACCOUNTS THAT SOMEONE ELSE OPEN IN MY NAME THEY USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN FRAUDULENT ACCOUNTS THESE ARE NOT MY DEBT OR MY ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS.  On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am writing to the Consumer Financial Protection Bureau regarding XXXX, Equifax, and XXXX, all of which are reporting false and misleading information, each different from the others. For starters, they are reporting the wrong name. 

I am constantly receiving credit cards sent to my address with other last names, which stops me from applying because if I apply, they send me cards with a false last name and do not allow me to change it until after I receive the card with the incorrect last name. 

On XXXX, it shows a positive account with XXXX XXXX, but with XXXX, they are reporting it as XXXX I have not missed a payment. Also, EQUIFAX is reporting it as negative as well. I have sent XXXX rounds of letters to them, and nothing has changed, nor have they explained why there is this mismatched information. I want all three reporting agencies to report the positive account that XXXX has been reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Next, XXXX XXXX, is an auto company that is closed and reports negatively on all three credit bureaus, impacting my credit and affecting my chance to get a car loan. I have a XXXX child who needs constant care, and I can not receive a car loan because of this closed account. I have tried to dispute it XXXX times and have not received an explanation as to why they are constantly reporting negativity. I would like the account completely removed from my credit reporting. I've sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Thirdly, XXXX is reporting a medical debt, XXXX, of a debt I have previously disputed and had deleted multiple times. A debt that has been deleted on EQUIFAX and XXXX because of their misinformation. I am asking for that to be deleted from my credit report. 

Again, I am a mother of XXXX with a XXXX child, and this information on my credit report has become detrimental to my credit health and preventing care for my children, especially my XXXX child.
Product: Credit card or prepaid card

I do not have nor have I ever had an American Express card account but they annually request my credit without my consent. This was off my report : ( see below ). 

Show less Account name AMERICAN EXPRESS Date of request ( s ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo put me into foreclosure and sold my loan to XXXX XXXX XXXX. The XXXX sale was XX/XX/2022. It should be noted that I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. I know the underwriting guidelines. I worked for Wells Fargo as a mortgage loan XXXX. When I was not able to make a payment, I reached out to Wells Fargo because that is the responsible thing to do. They would not work with me. They asked me to apply for another loan. This happened several times. They denied me a loan several times.I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. They undervalued my home. I contested that by paying a bank XXXX do an appraisal on my home. I submitted the appraisal with a valid market price. XXXX on my block recently sold for {>= $1,000,000} each. I was told that my debt-to-income ratio was too high. I produced more income. I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. Wells Fargo did not respond. There was not continuity. There was no one who would follow up and actually offer me assistance. Their letter said they were there to help me but that was a lie. Wells Fargo is being forced to reimburse homeowners because of XXXX XXXX 's failure to operate like a responsible lender. My address has changed. My wife has divorced me. How do I put in a claim for damages? Wells Fargo is being forced to pay billions of dollars in damages and in reimbursements. I am a mortgage loan XXXX and have been for over 20 years. I know the processes. I know the debit to income ratios. Wells Fargo does whatever it wants to until they get caught. My life has been turned upside down because of of their negligence.
Product: Checking or savings account

On XX/XX/XXXX I received an email from Chime member services reading : " Following a recent review of your Spending Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Spending Account will be closed '' Multiple attempts to obtain my remaining funds and closing balance of {$16000.00}, were made not only by calling hoping to speak with someone, but also by sending a number of emails. From the initial date of my account being closed to the date of XXXX XXXXXXXX XXXXXX/XX/XXXX, attempts were made via phone and email in regard to this issue and resolving it. 

The last day of communication had with Chime was on XXXX XXXXXX/XX/XXXX, XXXX via email informing me they were unable to review my account for a refund or re-enablement. 


On XXXX XXXXXX/XX/XXXX, XXXX I sent another email reading : " Im reaching out yet once again in order to see what steps need to be taken and/or completed in order to retain my remaining funds that I had available in my account prior to it being closed. '' To this very day, there has been no reply, response, or any communication made on their part since XXXX XXXXXX/XX/XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I became locked out of my equifax website and phone app. Whenever I go thru the password reset it tells me to call and I get phone representatives who are unable to unlock the website. I opened several different disputes by phone on several different occassions since and have not been able to log into the site or app to date. Its been almost 2 years now and I would like a status update on all the disputes I have opened with them to date by phone. Please send me a physical printed and mailed paper copy to my address on file. I have requested this many times and the phone reps refuse to send it or unlock the app. Thus causing me to not be able to remove the fraudalent reporting in dispute. Please assist. Shady stuff happens in XXXX Florida. Please help.