23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The bank is not letting me withdraw my money by card, by a card-free access code, and by sending momey to a different account for withdrawal. They called me a few weeks back concerned about fraud and assured them that there was no fraud on my account and all tramsactions and requests were made by myself. Yet my account is still frozen. I will sue pnc! This is not the first time i've had a problem with them! They removed my automatic auto payments and are charging me 5.14 percent in interest, versus the 4.89 we decided on upon opening the account, and claimed it was me that called and requested to have it removed. WHY THE XXXX WOULD I RISK LOSING MY CAR? WHAT SENSE DOES THAT XXXX MAKE? Yet, i let it slide, and have not bothered to go in and get it adjusted because i want to pay off this car and not have to deal with those XXXX  again. Many times i told them if my card does not have sufficient funds, i do not want anything to go through, yet they let charges go through and charge me overdraft fees and returned payment fees. I can not wait to take my money out and close the XXXX account.
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 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub> 2024, I sent a Cease Communication Request to Discover Bank under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ). This request explicitly stated that Discover Bank should cease all communications with me regarding a debt of {$4800.00}. I took this action to stop any further contact from Discover Bank, as is my right under the FDCPA.

However, despite my clear and legally supported request, Discover Bank failed to comply. On XX/XX/year>2024, I received a letter from Discover Bank that not only ignored my request but also attempted to continue the collection process. In this letter, Discover Bank stated that the account and balance are considered valid and invited me to contact them to discuss the outstanding balance. They also included a warning that making a payment or even promising to pay could reset the statute of limitations, which would allow them to file a lawsuit against me.

This letter is concerning for several reasons. First, it directly contradicts my Cease Communication Request, which should have prevented any further contact from Discover Bank regarding this debt. Second, the letter appears to be a tactic to intimidate me into making a payment or acknowledging the debt, despite the fact that they are legally barred from taking further action due to the age of the account. The letter also indicated that Discover Bank is required to report the account to consumer reporting agencies as a disputed account until I advise them otherwise, which seems to be an attempt to pressure me into resolving the matter on their terms.

The actions of Discover Bank constitute a clear violation of the FDCPA, as they have not only continued to communicate with me about the debt after my explicit request to cease communication, but they have also attempted to use misleading and intimidating tactics to coerce me into making a payment. This has caused unnecessary stress and confusion, as I believed that my rights under the FDCPA would be respected.

I am filing this complaint to request that the Consumer Financial Protection Bureau ( CFPB ) investigate Discover Bank 's actions and take appropriate measures to ensure that they comply with the FDCPA. I also request that Discover Bank be instructed to cease all further communication with me regarding this debt and that any negative information they have reported to credit bureaus be removed.
Product: Checking or savings account

I traded with XXXX XXXX and at that time I was a member of Huntington Bank, When my mom told me it was fraud, I had to have them refund the money only for them to tell my bank that they did their deal and it was unrefundable. I had my bank investigate it and they came and told me it was true that it is unrefundable. So they sent back the money to the XXXX XXXX. After a certain period of time, I stopped living in the off campus housing as my bank was on overdraft. And huntington locked me out.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX / XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX / XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

Under a recent direct of all three credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. 
The service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. 
If the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. 
The debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. 
I hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was notified that XXXX different creditors had run my credit. I have since received tons of mail from people saying they ran my credit and I could not get an auto loan. The problem is that I NEVER requested nor authorized any of these companies to review my credit or give me an auto loan. 

These are the companies that requested my credit : 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 None of them were authorized to run my credit, and they won't help me over the phone. Now, my credit score has tanked by XXXX points because of multiple hard inquiries that I never made. I am not sure if this is a case of identity theft, as I did have a lot going on with family and in the process of moving, but either way, I find their lack of help astounding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for the last XXXX days ( XXXX ) to establish a security freeze on my credit file with Equifax. Their website is down, I ca n't get through to their customer service #, and the " incident '' response call center reps tell me they can not assist me with establishing the freeze, do not know what # to call at Equifax to establish the freeze, and suggest I " keep trying '' to access the downed website.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I filed a Dispute for my derogatory accounts to be removed for goodwill removal. I filed the dispute with Equifax on XX/XX/year>. I havent recieved any mail or notification that any investigation was completed. I believe I am wronged in this situation and my Credit is taking volatile hit due to these accounts on my credit. I am asking for the forgiveness of my credit unworthiness and A clean removal of the account I requested be removed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Auto Financing XX/XX/scrub>XX/XX/2023 This Inquiry is unauthorized and must be removed from my report.
Product: Credit reporting or other personal consumer reports

First, according to the FCRA 605B ss ( 15 U.S.C. ss 1681c-2 ), it is illegal to report any information on my credit report without my permission. XXXX XXXX, division of XXXXXXXX XXXX XXXX continues to defame my name and my character, after I spent my hard-earned money to make a payment after countless harassment calls, letters, and derogatory remarks on my consumer credit reports. Despite your refusal to correct any records or remove any private information they are reporting without my permission, I am confident that you have violated many of my consumer rights. 
1. Copyright Infringement - See Record Filing Link : Record # : XXXX XXXX XXXX XXXXXXXX XXXX. Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) ( a ) Reporting income as debt. 
( b ) You failed to report the account as paid for less 3. 16 CFR 313 4. Negligent Enhancement of Identity Fraud Every time you report inaccurate information, you leave consumers more susceptible to identity fraud 5. Defamation of Character and Embarrassment in the eyes of real Creditors 6. Consumer Financial Protection Bureau ( CFPB ) regulations There is no need continue communication or negotiations as I have done everything in my power to rectify this matter including sending letters, filing disputes with the credit bureaus, and even hiring credit advocates to assist me in correcting my files. 
My final correspondence to XXXXXXXX XXXX, A DIVISION OF XXXX XXXX XXXX a notice to CEASE AND DESIST : XXXX XXXX is hereby ordered to Cease and Desist all activities including collection, third-party reporting, the selling of my private information, or any activity using the name XXXX XXXX, XXXX XXXX XXXX and any and all variations including misspellings. Any future activities will be subject to COPYRIGHT INFRINGEMENT.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion got my dispute and and almost 30 days later the account was removed from my credit file. The account popped up again and i sent another letter asking them why did they place an account back on my credit file after it was removed and I got a letter back saying that all information is considered accurate and that because of the data breach with their company alot of clients accounts were removed and added back. I then told the rep not without a 5 days notice and she was not understanding me after i told her that. 

Account : XXXX XXXX XXXX Account Number XXXX
Product: Student loan

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Debt collection

I have received multiple phone calls and one letter from Real Time Resolutions attempting to collect an old credit card debt from approximately 14 years ago. The statute of limitations in the state of Oregon is ten years. They continue to run my credit score affecting it. Despite a few attempts to explain to them that they are in violation of Oregon law they persist in their illegal harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Transunion is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 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 ) Disclosures to consumers [ 15U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate a such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputedaccuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX contacting because information that shows up my report is not my doing and are outdated and i need them removed for that fact alone! So disrespectful to have no knowledge of these reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was thrown into collections after I called to make a payment. I was scolleded by the customer service representative for being late. I told her why do you think I'm calling to make a payment and why is she scolding me for lateness when I'm attempting to make a payment. So she did not like I was assertive in expressing to her she doesn't have to try making me feel bad and I don't need a lecture. I felt that after my conversation she was going to throw me in collections and I was correct. Due to this aggressive employee who had the power to report for any reason she did. Because of her taking the power to feel as if she's calling the shots I was reported. She is the reason why my credit report is negative. I suffer from XXXXXXXX XXXX XXXX I have not had the XXXX XXXX to address this problem because I'm so XXXX I ignore. She has caused me stress and a bad negative reference that you still reporting to this day. If it had not heen for a XXXX I would have continued payments. Stop reporting me you did damage already. I'm tired of unprofessional XXXX.
Product: Mortgage

I have requested to remove the PMI from my mortgage by requesting an appraisal to see if my loan to value ratio is now more than 80 %. I was told I needed to make three consecutive payments after the mortgage forbearance program. I made those three payments. Now they're saying I need to wait another month and make another payment. They have moved the goalposts and have been lying to me so that they can delay removing the PMI to make more money and wait until housing market goes down before they re-appraise my home. They've also threatened me saying that the amount of my PMI payment will be increasing.
Product: Credit card or prepaid card

We had reported a fraud claim on 2 purchases for my credit card ending in XXXX with chase credit card back in XXXX with picture people for XXXX and XXXX dollars but those were reverted back and rebilled to the account. We had clearly reported that our credit cards were lost stolen and were not used anywhere. We had reported 4 fraud charges they reversed out 2 of them for XXXX and XXXX from XXXX but not these 2. How is it possible we can use them at one place but not the other when we did not have possession of the card
Product: Mortgage

This complaint is with Lakeview Loan, subserviced by XXXX. 

On XXXX~closed on the sale of the property. We, the sellers, had a mortgage through aforementioned company. Escrow overage at closing was {$4100.00}. 

On XXXXcalled the XXXX toll free service line because the escrow overage check in the amount of {$4100.00} from closing had not yet been received. Was told that a check was issued XX/XX/22, but was mailed to the sold property address, not the address on file for the account ( our current address, as the sold property was a rental property ). Were also told, despite the error in sending the check to the incorrect address, that we had to wait 30 days for a check to be " reissued. '' We were informed that if it didn't " show up '' by then, we could call back XX/XX/22 and request a reissue. 

On XXXX the XXXX toll free service line to request a reissue since the check never showed up at the sold property nor had it been forwarded to the proper address. XXXX, the operator who took the call, told us that the check had in fact never been issued on XX/XX/22 but now it " should be '' mailed out within XXXX days. This was contrary to the information I was given on my previous call on the XXXX. 

Upon researching, I see that mortgage companies are required by law to refund escrow overages at closing within 20 days, as stated here on your website, per cfpb 1024.17 ( b ) ( 1 ). I feel as though I have been patient and am taking steps needed to ensure a swift response, I do not feel as though waiting 10-14 more days is a satisfactory resolution when the mortgage company is clearly in violation of federal law.
Product: Payday loan

I continue getting calls from different people claiming I still owe cash call {$2500.00}. I paid off that debt to a reputable law office. The scammers keep saying they have papers to serve me. Their number is XXXX, XXXX XXXX.