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

i pulled my credit report and noticed several credit inquiries that are on my report that i didn't apply for. i am a victim of idenity theft. 

XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called customer service requesting a refund because i did choose to opt in or file disputes and they hung up on me 3 times I just want my refund back.
Product: Credit reporting or other personal consumer reports

Kickoff lending reporting late pay of 30 days x 2 All payment information was on file and processed as such each month. I spoke to multiple representatives and was told this would be resolved. 

At this point kickoff Is hurting my credit more than it helped- is this a scam?
Product: Debt collection

On or around XX/XX/XXXX, XXXX sales representatives of XXXX XXXX stopped by my apartment and offered to provide utilities at a cheaper rate than our current provider. I was not home at the time, but my husband refused their services. On or about XXXX XXXX XXXX, I received a notice that XXXX XXXX was my new utilities provider. I contacted XXXX XXXX over the phone to contest the " contract '' and they informed me that they had an oral recording of my husband requesting their services. They would not provide me with that recording and also informed me that the cancellation fee was {$500.00}. On or about XX/XX/XXXX, I received an invoice from XXXX XXXX. At that point I contacted the apartment complex front office and asked them why my utility provider had changed. The complex, XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX TX XXXX, switched me back to my previous provider, XXXX XXXX XXXX XXXX XXXX also informed me that they were filing a complaint against XXXX XXXX and that at least three other tenants had reported similar issues. XXXX XXXX sent me a disconnection notice on XX/XX/XXXX, their last written communication. On or about XX/XX/XXXX, I received a letter from Professional Debt Mediation stating that they were attempting to collect a debt, originating from creditor XXXX XXXX, in the amount of {$470.00}. They also informed me that they would submit a negative credit report, which I have since confirmed.
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 ( XXXX ). 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 XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

When I received the letter I call them the credit card company they gave me two different numbers and could not help me so I could report it as fraud cause it was or help m with me with next steps
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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: Checking or savings account

1. I worked with an individual in XXXX XXXX to purchase a XXXX XXXX. We agreed on price and shipping. I investigated the seller and found no issues. I sought a bank wire transfer. I visited the local branch in XXXX, XXXX. As i was about to talk to an employee, another employee chirped aloud about a " scam '', without any information what so ever. I provided every detail. They ushered in a Security consultant '' whose knowledge about " scams '' is slim and none, a rank amateur, if there was one. This creep blocked the transaction and I missed the sale. 
2. XX/XX/2022. I sought a second secure purchase via XXXX and attempted a second wire transfer, That security creep, had " flagged '' my account! 
3. I was forced, at my expense, to do a " plan B '', send certified check overnight. 
RESULT : This creep caused me deep embarrassment and grossly insulted me, as a XXXX XXXX XXXX XXXX XXXX, it is elder abuse and discrimination. it is my business where I spend my money. With almost {$500000.00} in their bank, I suggest this fool become unemployed and a formal apology issued to me by the bank general manager..
Product: Checking or savings account

After complaining, to the corporate office, about his misconduct, First Citizens, XXXX, SC, manager, XXXX XXXX, closed my account-without warning. Bank has refused to return my funds, causing me great hardship.
Product: Payday loan, title loan, or personal loan

Affirm issued a loan ID : XXXX, for {$600.00}. I only used {$300.00}, which is already paid. 
The loan is still active and there is another {$300.00} dollars scheduled to be paid in XXXX. 
Spoke to support, and a supervisor, which is very hard to do. 
They explained the loan is active because there is a {$5.00} dollar charge pending for 3 weeks. 
They say they can't do nothing about it. While I will be over charged. 
They suggested me to contact the merchant overseas, and resolve it with them which is not acceptable, as this should have executed, or aged out. The supervisor was somewhat rude, and unwilling to help, or do nothing. The digital assistance is useless, and the website, is useless as well. I got the phone number and contact information outside the website, as they make it impossible to contact a person. The system does not work, to send email/messages, as the loan was not found, and requires full id.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items appear on my credit report. Theses items were   discharged in my bankruptcy years ago. These companies insist on trying to keep their information on my report. They are being spiteful.
ALL ITEMS WERE DISCHARGED I  N Chapter  XXXX  Bankruptcy : INVESTMENT RETRIEVERS IN ( old car loan )  XXXX   XXXX   XXXX  IN  ( Illegal collection. We had military orders to move but they still sent us to collections and harassed us non-stop, called us liars even though we were stationed  XXXX  mil es away )  XXXX   XXXX   XXXX   ( medical bill )  I filed for bankruptcy due to post divorce debt that I could not handle on my own. I did this to restart my financial situation and these collections agency are too vengeful and spiteful to take their garbage off my reports. I do n't care if these do not affect my score, they still show as   XXXX   OPEN collections when they are NOT OPEN and have/show a balance of {$0.00}.     Disputes through the credit agencies have done nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been reported a " Dismissed Bankruptcy '' on my credit report since 2016. I have disputed 25 times, contacted US Trustee, BK Court Trustee, Lexis Nexis. Only avenue left is to sue them for a breach of the fair credit reporting act. I was a victim of identity theft which I have substantiated with FTC Affadavit ( notarized ), police reports, letters from city attorneys office, copies of the docket, and they still will not take it off. This is a breach of my rights and is affecting my families ability to buy a home. 

It was Discmissed, as the person never came back, they filed BK to avoid eviction. My name is incorrect, address is not mine, I had pervasive ID Theft and it was fully substantiated this is the only item that remains. Even though it says dismissed, it counts against me as if I fully claimed BK, which I NEVER HAVE>
Product: Credit reporting, credit repair services, or other personal consumer reports

I found inquiries in my credit report, and I do not know what to do. My report showing some wrong data like wrong inquires, fraud inquiries! I am very sad because when company that I want to organize loan with, saw my report they declined because of these inquires but I tried my best to explain them that I do not know these inquires I have never authorized them, however its too late already so my question is for you - Could you please remove information that is not mine? Its damaging my life ... as a result I am not approved! I have never signed with those companies and I never authorized those items. Its identity theft! Please remove these items from my credit report asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account XXXX XXXX fraudulently opened in my name. I am a victim of identity theft. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the CFPB. I will further pursue all of my legal remedy without further notice to XXXX. I have attempted to resolve this matter formally before filing a complaint and lawsuit! 
Please provide three things : 1. Validation of the debt ( the actual accounting ), and 2. Verification of claim against me ( a sworn affidavit or signed invoice! ), and 3. A copy of the contract binding both parties. 
I would be happy to pay any financial obligation I might lawfully owe as soon as these three documents are received. 

Please provide proof of claim with evidence that you have legal and lawful authority to collect? FCRA 611 ( a ) [ 15 USC 1681i ( a ) ] and Section 609 ( a ) ( 1 ) ( A ). XXXX  is attempting to collect a debt on the basis of fraud. Failure to substantiate the claim, Delete accounts immediately.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX keep reporting Chrysler Capital on my consumer report but the information is inaccurate. The car was in an accident and all the air bags deployed. Chrysler Capital keep reporting that it is active and saying a payment was made last year in XXXX which is also inaccurate. They keep falsifying saying the account is being paid on so they can keep reporting it. This account should be closed. I have sent pictures of the car and my report to XXXX twice before showing proof of inaccuracies but they still put it on my report and I asked for an investigation and proof that I'm making payments but I never heard back.
Product: Mortgage

XX/XX/XXXX I purchased my condo and took a mortgage with XXXX XXXX. After close, the loan was sold to Nationstar XX/XX/XXXX. This morning I called Nationstar and asked them that if I was to pay an additional lump sum amount toward my principal, how would they treat it ( a ) reduce monthly payment, or XXXX b ) reduce loan tenor or ( c XXXX a combination XXXX Nationstar responded that I could pay down on the principal but they would not reduce my monthly payment nor issue a revised/shortened amortisation schedule. Their reason being that they are a servicer and can not run new amortization schedules. When I asked, how would I know the final maturity date on my loan, they said I could figure that out on XXXX or go to bank XXXX As for how my monthly payment is being applied, they said I could see that each month on my statement, but they could not issue a new amortization schedule. 
I find this disturbing and hard to understand - As a servicer if their system can generate invoices and apply payments then its not possible that it can not generate an amortization schedule. So I am not convinced that this is a case of 'inability '. It appears more to be their unwillingness, in which case I question their integrity i.e. what do they have to hide? why this lack of transparency to how a customer 's money is applied and maturity date. 
Is this even legal? Can they take my money but refuse to modify payments or amortization period? The Nation star customer service manager said I could modify maturity through refinancing!!!! So while the contract says there is no pre-payment penalty by forcing me to refinance to get a new amortization schedule they are making money off me in another way. Seems like my choice is to be stuck in a 30 year mortgage or pre-pay and rely on their word that they will correctly apply my monthly payment to a reduced principal balance and keep paying with no line of sight to final maturity.
Product: Mortgage

I have made many calls to Pennymac Loan servicing that have gone ignored. I was in a COVID forbearance program and eventually had to file Chapter XXXX bankruptcy. I engaged Pennymac during this process to secure a loan modification to stop the forebearance and resume my monthly payment at the original amount. I was made aware that I would be able to enroll in a modification program as soon as it became available and that it should be available on XX/XX/XXXX. I advised Pennymac that I wanted to be enrolled in this program as soon as it was available as this was the only issue delaying my bankruptcy discharge. I called several times and was told the program was not yet ready. On XX/XX/XXXX after I called again I was made aware that the modification was available and that we did qualify but it would take up to XX/XX/XXXX to recieve the documents to sign off. I advised them that my discharge had been delayed 60 days already and was now set for XXXX and would it be expedited. We eventually were sent the documents on XX/XX/XXXX and they were signed and returned via XXXX on XX/XX/XXXX which Pennymac confirmed. Now a week later we are being told it can take up to 30 more days for them to process the signed modification and bring our account current. We were also told that we are not allowed to reaffirm the mortgage until this processing has happened which will force us to further delay our discharge. This lender has taken more than 5 months to process one modification causing a greater than 60 day delay on discharging my bankruptcy. This has left us unable to move forward and regain control of our finances and everytime we have called even with our attorneys we are given different information. My attorneys have made countless phone calls and been given different information everytime they speak with a representative. I need help!
Product: Money transfer, virtual currency, or money service

I deposited {$25000.00} into my coinbase on XX/XX/XXXX  with reference code XXXX and i bought ETH with the total amount and almost immediately they locked my funds. I was not able to use them at all. I have requested they make my asset available for months and once they claimed the funds were available, they disabled my account from being able to send or withdraw that money. I was told i need to sell my ETH they told me i can only withdraw cash and not XXXX, so i was forced to take a {$7000.00} lose because by this time ETH value already droped, For almost 5 months now i have been trying to use/take out my money ( XXXX usd balance ) but they refuse to help me and their customer service claims they can not help. They tell you to wait for your ticket to be answered but they close the ticket without getting back to me, Essentially coinbase has stolen my {$25000.00} XXXX dollars and will not release it back to me. I am unable to add my bank account or my debit card to cashout my remaining {$18000.00}, they keep saying i can only withraw my asset into my bank account which is previously linked to coinbase, but i keep keeping them it is impossible to withdraw funds into a closed bank account, the bank account link to coinbase in the past is no longer active and there is no way i can send my funds to a closed account... they have refused to allow me withdraw my fund to the bank or debit card of my choice, I did not violate their terms and have had this coinbase account opened for years. I really need this money. The worst part is they keep telling me they are not allowed to tell my why I cant have mmy money i deposited on a verified account. and they keep promising to get back to me for the past 5 months On top of that, i have a family to take care of and coinbase has made my kids suffer.
Product: Debt collection

Several years ago I was billed with XXXX for a XXXX  visit, collections appeared on credit around summer last year. This debt was recently moved from my report about XXXX months ago, then returned again yesterday. Previously it took my credit down XXXX points originally, now it is down another XXXX. I know there was something about not owing anything below XXXX, but it doesn't make sense to me for it to have been removed, and reported as payed off on my credit report, then returned.
Product: Credit reporting or other personal consumer reports

I sent the company a Section 609 letter last month. I also disputed it with all the credit bureaus. XXXX XXXX XXXX XXXX is the company. I'm also disputing the XXXX of the profile. XXXX XXXX XXXX XXXX just recently reported 55 late payments on an account that is reported closed. The account was reported close in XX/XX/2020. XXXX XXXX XXXX XXXX has not shown proof that they are authorized to collect this debt. Verification of debt is within the statute of limitations. Immediately have them remove the late payments and negative items on my report. It is illegal to report this information without my consent. Contact all the credit bureaus that's reporting XXXX XXXX XXXX XXXX on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the negative information listed on my credit report. The following items are incorrect and require your immediate attention : Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information- XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

Personal information - XXXX XXXX - Account Number : This is not my name. Please delete it from my report immediately. 

XXXX XXXX - Account Number : XXXX - I have never paid this account late. Your reporting is completely inaccurate and it is negatively affecting my credit. Please update this account and delete the inaccurate information immediately. 

XXXX XXXX - Account Number : XXXX - Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX XXXX Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX  XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXX - Account Number : XXXX - The name and number of this account are questionable. Please clarify this information or delete the account from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - I can not recognize this business. Please investigate and make sure this account belongs to me. If it does not, please delete it from my credit report. 

I request that you investigate and correct these inaccuracies as soon as possible. Please send me a written confirmation of the actions you take in response to this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report shows a charge off from my XXXX XXXX Credit Card. I had that credit card for XXXX without incident of paying late. For most of that time the card was owned by XXXX XXXX but in later years other companies purchased the business with the last on being Goldman Sachs. I have always made the payments on this card to a po box listed on my statement via a check authorized through my bill pay with XXXX XXXX XXXX XXXX. 
Sometime after Goldman Sachs took over, I received a letter saying my payment had been returned. I contacted Goldman Sachs regarding this problem. We reviewed the details of the payment, account number, etc. and they told me it must be a problem due to that it was a newly acquired card and I should try again. I send another payment ( also eventually returned ) and then receive the new statement showing a late fee had been assessed. I contacted them again with the same results and then more fees. I finally told them I would pay using a different method. I sent the amounts due but not the late fees as they needed to remove them ( They returned my payments ). My understanding was this was resolved, and I closed the account due to the frustration of their customer service. Recently, when buying a car, I was informed that my credit report had a charge off from Goldman Sachs XXXX XXXX. The amount of the charge off was the fees they improperly assessed. 

I have attached several documents showing the payments made at my bank, that they were returned by XXXX and that they then charged me fees and negatively affected my credit. I must stress that several other companies took over the XXXX XXXX over the year and there never was a transition problem like this.
Product: Debt collection

Harley Davidson was paid the debt owed of XXXX by a collection agency called XXXX. The account number for Harley is XXXX. The new account number through XXXX  for this debt after it was paid off by XXXX XXXX  is XXXX. I called and negotiated with the collections to pay XXXX to settle the debt. As of XX/XX/XXXX the account with the collections for this debt was resolved and closed for the amount of XXXX. I submitted the receipt from XXXX XXXX  to XXXX. XXXX XXXX  phone number is XXXX they can be called to verify. Harley should not be submitting information that I owe them when they received payment from XXXX already. XXXX also verified that Harley does not receive any money since they already received money from the collections. Harley is sending false information to the credit Bureau stating that money is still owed to them. On my last statement with Harley it says XXXX is owed to them due to them being paid by XXXX XXXX.