23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, I mailed the full balance due ( {$21.00} ) to Capital One. The due date was XX/XX/XXXX. My payment didn't post till XX/XX/XXXX. As a result, I was charged a {$21.00} late fee and {$3.00} interest charge. This is NOT the first time this has occurred with Capital One. Since I live in Ohio and the payments go to XXXX XXXX Illinois, I find it hard to believe that it takes 19 days to arrive and be processed. 
Today, XX/XX/XXXX, I called Capital One customer service. I explained my XX/XX/XXXX payment and related, and requested the interest and late fee be removed. The rep would only remove the interest fee of {$3.00} but not the {$21.00} late fee. No reason was given. I asked for a supervisor and was told the same thing. Both the first customer rep and the supervisor suggest paying online or over the phone. I, like many others, prefer paying by check! Last Fall, the same thing happened ... after calling customer service, the late fee of {$28.00} was removed but not the interest charge of {$4.00} as reflected on my XXXX statement. 
I feel Capital One is not being honest in how they process mailed in payments. This is an unfair business practice.
Product: Mortgage

I am refinancing my mixed-use zoned home in XXXX ( commercial mortage required ). My current mortgage holder ( Astoria Bank ) is the problem. I first contacted them in XX/XX/XXXX to get a mortgage assignment underway. I was consistently given contradictory and misinformation by customer service reps and have been unable to connect with any dedicated person at the bank to help me through the process. In a comedy of errors, at XXXX point I was evidently instructed to fax paperwork to individuals that were no longer employed by the bank. My refinance deadline with XXXX is now XX/XX/2017 and I am still lacking only the XXXX paperwork from Astoria necessary to complete my refinance. I have invested considerable time, effort and a great deal of money into this process and am greatly fear that my refinance will fail due to the incredible incompetence and run-around I received at the hands of my own bank.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately! I have 30 days to dispute this information and will need proof of your investigation before anything is updated on my credit report.
Product: Debt collection

On XX/XX/XXXX I started a treatment with XXXX XXXX XXXX. I only did three hours due to my XXXX. I wasnt able to finish the treatment but they still want me to pay {$6000.00} I already paid {$1200.00} I cant afford giving them more specially cause I didnt finish the treatmeant. I also read so many bad reviews about this company they tell all the clients that they need their experimental treatment and they do t take no for answer they force you to get the treatment.
Product: Credit reporting

SEVEN/TEN YEAR RULE UNDER FCRA GUIDELINES - REMOVAL OF TRADE LINESThree new decisions - XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ; and XXXX v. XXXX , XXXX ( XXXX ) XXXX XXXX XXXX ( ordered depublished XXXX XXXX, XXXX ) - have changed, clarified, or confused ( depending on your point of view ) the legal landscape in California as to the legal obligations of so-called " furnishers '' who furnish credit-related information concerning consumers to credit reporting agencies. These cases address the obligations of furnishers under federal and state law to supply accurate information, as well as a furnisher 's obligation to " reinvestigate '' a consumer 's dispute. These cases also indicate that, for the time being at least, a heretofore unrecognized private right of action exists under Civil Code 1785.25 ( g ) and 1785.31 for failure to accurately report credit information in violation of 1785.25 ( a ). An understanding of the relevant history is important before one can properly evaluate the current state of the law and the XXXX and XXXX decisions. 
The Original FCRA Legislation Applies To Credit Reporting Agencies OnlyThe Fair Credit Reporting Act ( FCRA ), found at 15 U.S.C. 1681, et seq., was originally enacted in XXXX. The express purpose of the FCRA was to require that consumer reporting agencies adopt and implement " reasonable procedures '' for ensuring that credit information about a consumer was collected, maintained, and dispensed " in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information ... '' FCRA, 15 U.S.C. 1681 ( b ) ; XXXX XXXX. XXXX of XXXX. v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX. The Congressional findings noted that " [ t ] here is a need to insure that consumer reporting agencies exercise their grave responsibilities with of fairness, impartiality, and respect for the consumer 's right to privacy. '' FCRA, 15 U.S.C. 1681 ( a ) ( 4 ). However, the credit bureaus do not follow through with any methodology a system that automatically removes an antiquated credit trade line, which leave creditors in control to remove a negative trade line at a later date by simply re-aging the trade line payment history. 
Notice that a positive trade line can be maintained for a ten year timeline from the credit procurement after the account has been closed out. The ten year timeline carries from the date the credit trade line was first reported to a credit reporting agency, or from the date of procurement of the debt. 
I demand the above referenced credit trade line removal based upon the passing of the seven/ten year timeline. And I maintain that there is no further relevancy to the debt being posted under FCRA guidelines. The above-referenced state cases show that the accuracy of credit reporting carries into state court cases as well, whereas a creditor can be brought up on serious civil charges outside of federally protected jurisdictions under FCRA.
Product: Credit card or prepaid card

My complaint is with Cashapp. They are sending out a general message saying that a technical error occurred between XXXX XXXX and XX/XX/2023 where I used my card but the funds were initially put on hold, then released back to my cash app. Resulting in me having a higher balance. And now they are recovering their funds to complete the payment. This statement is false. I dont hold much money on my cash app, so I would have noticed if I had XXXX of extra dollars in my account. 

The transactions are XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX XX/XX/XXXX for XXXX All of the transactions were made at XXXX, XXXX states that they were not paid twice. But I can assure you that the money was taken from me twice
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfair crediting scores. Credit companies like Equifax and XXXX  rate unfair scores. There is no set system to dispute while they report scores that jeopardize and affect ones livelihood. It should be illegal to not have fair reporting systems when these are systems used by companies denying lifestyle opportunities. 
I was scored +XXXX  points for lowering my debt by XXXX and reduced XXXX points for adding XXXX. Who sets the standards on companies that play with a persons livelihood?
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXX.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Nothing happened when I submitted the dispute, I also requested value assigned to transactions, no response, only someone will get back in 4 hours out of the numerous complaints/disputes submitted. 
All my debits are missing from account causing a low balance, credits are co-mingled with debits, no full accounting has been performed, I asked who was there cpa over the accounting, no response from chime bank, credits are misappropriated, household goods and personal use are not being correctly recorded. I gave them several notices
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1800.00} Account Name : XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$500.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$160.00}
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, 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 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: Debt collection

I received a call from Resurgent Capital Services. I asked them to validate the debt. They chose to send me two ( 2 ) letters with a return address of XXXX XXXX XXXX ; XXXX, MI XXXX dated XX/XX/year> but not received until XX/XX/year>. The first letter states that they " received an inquiry and to call them and the second letter dated XX/XX/year> and received on XX/XX/year> stated that " enclosed is the account summary which provides validation of the debt. '' This does NOT validate the debt. I specifically asked for the original contracts with the alleged debtor, the legal assignment to the debt collector and all receipts and charges associated with this account. They chose not to provide this, thus not validating the debt and violating the FDCA. In addition, as you can see by the attached Resurgent Capital Services is NOT licensed in the State of Wyoming. Another company with a similar name is, however, that is not the contact information used on the correspondence.
Product: Debt collection

XXXX sent me an electric bill in XXXX for a bill in a house in XXXX NY. I told XXXX that was not my bill and they asked for me to send a letter to their XXXX XXXX XXXX NY explaining this. I sent a letter asking them to pull deed or lease info on file and sent my license with my current address, and I never heard back from XXXX. I have NEVER owned or rented a home in XXXX. I have resided in XXXX since XXXX. XXXX never contacted me back since XXXX and now they sold my account to a collection agent without any information sent to me. THIS IS NOT MY DEBT AND NEEDS TO BE REMOVED AND CLOSED.
Product: Mortgage

I opened a conventional mortgage in XXXX on my condo which was appraised at {$84000.00}, and the initial mortgage balance was {$69000.00}. Carrington Mortgage Services LLC is my mortgage servicer. I had to pay PMI of {$10.00}. 

Since then, I have paid down a significant portion of my mortgage, and the value of the property has also risen during this time. I have also maintained current on my mortgage payments and I have not been late. I have asked the mortgage servicer why they will not remove PMI from my property, and they told me that it will be a part of my mortgage for " at least five years ''. 

I do have a second lien on my property for 5 years from the City of XXXX for a downpayment assistance program. I qualified for {$15000.00} in downpayment assistance, and with the passing of each calendar year, the lien is reduced by {$3000.00}. Next summer, in XXXX, the second lien is no longer valid. 

However, I thought that PMI would automatically fall off once the % reaches a certain threshhold, and I am sure that I am at or below that threshhold. I am attaching a current mortgage statement as well as a copy of the original appraisal.
Product: Student loan

I am seeking information about my Genesis loans through XXXX in XXXX, PA. I have heard about all of the loan forgiveness because of the XXXX XXXX settlement. I was one of the many students who were talked into the lending scheme brought on by these schools and Genesis lending company. I was charged horrible interest payments that I could n't afford, while still in school. As well as, pulled out of class because I could not afford payments. Horrible interest rates still haunt me, along with unreasonable monthly payments. I am already on deferment, on which they still require me to make minimum payments. I have a loan balance of {$21000.00} and have no idea how I will be able to keep up with this. I feel as though I was a victim as well as other students who have already had their loans forgiven. The way the company went about handing these loans out to young students who know nothing about them, was wrong. My loan servicer XXXX told me that Genesis has already handled the persons eligible for forgiveness and passed me along to their company. So my question is, why was I considered not eligible? I attended school in XX/XX/XXXX-XX/XX/XXXX and suffered just like everyone else who attended these scheming schools. Please help!
Product: Student loan

When I decided to switch from regular payments to principal only payments the representative told me I can do that but it has to be via check. I began doing that first few times there were no issues. And then I get reported to my credit. Knocking me XXXX points. Im confused because Ive been paying. I reached out several times and ask to communicate through email. I got a call instead I was told a manager would call me never did. Sometime later I had to call them and the rep said oh these down count as payments therefore youre late. If I was told this initially I wouldve just continued to pay online. The way in which the funds were allocated is hindering me yet GSFA still received money from me. They did not make it clear and no where on their site as of today does it say this does not count as payment. I wouldnt willingly dump money on the principal knowing it doesnt count as an on time payment. I reached out to them through their website again and I have not heard back. I disputed this on my credit yesterday and less than 24 hours they engaged with that and nothing came of it. This company is really wicked. Im sure their are people who dont pay at all and Im being punished for the way I paid when no one said it wasnt allowed!! When she said I could do it she shouldve said it would not count
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$2600.00}, NXXXX XXXX Balance {$2300.00}, XXXX XXXX  XXXX Balance {$3100.00}, XXXX XXXX XXXXXXXX Balance {$95.00}, XXXX XXXX XXXX Balance {$380.00}.
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 a 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 S 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: Money transfer, virtual currency, or money service

On XX/XX/2024 my phone was stolen from my place of employment. My cash app on this phone was then used to send {$480.00}, {$100.00} and {$57.00} to unknown persons. I attempted to dispute the transactions and was subsequently denied. I have a police report for the stolen phone thus providing proof that the phone was not in my possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE DO NOT MARK AS DUPLICATE, I HAVE VERIFICATION. XXXX XXXX should be listed as paid in full for less than the full balance. My account should reflect a XXXX  balance.
Product: Checking or savings account

I opened a checking account online on Citibank website on XX/XX/XXXX and deposited around XXXX $ and later the bank was not able to verify my identity. They tried to send me a mail with a code to verify my identity but I didn't receive the mail but I received all their other mails like the cards and cheque book. On XX/XX/XXXX they closed my account and customer representatives are not talking to me as they were not able to verify my identity. I had previously sent them my drivers license and the proof of funds documents also but they are not helping me. 
I am fine with them closing the account but I need my money back which was present in my account.