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

XXXX XXXX/XXXX XXXX reporting incorrectly on credit reports. On Transunion reporting lost or stolen card which was true, with XXXX balance and paid on time, which is true, on XXXX   reporting charge off last pay XX/XX/2013 and on XXXX reporting account transferred to another office and last payment XX/XX/2013.
Product: Vehicle loan or lease

I, XXXX XXXX  XXXX Original Creditor and Natural Man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with Drive Time Car Sales Company, XXXX XXXX Drive Time  XX/XX/year>. 

I entered into this contract agreement with Drive Time Car Sales Company, XXXX XXXX Drive Time without : I. Full disclosure of my right to XXXX  XXXX. Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) ; III. As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 

I have reason to believe that Drive Time Car Sales Company, XXXX XXXX Drive Time willingly and knowingly took advantage of me and my consumer credit. 

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, as I have found several violations and fraud. Notice that Pursuant to 15 U.S. Code 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, as I was informed that a down payment of {$1400.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges.
Product: Debt collection

The telephone number listed is my place of employment. I have requested this man stop calling. XXXX XXXX XXXX XXXX XXXX, XXXX. 
He has called every day this week and I have repeatedly asked him to stop.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc. ) for 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 process was unfair and deceptive, as they didn't comply with error resolution requirements under ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Capital One bank related to a reported late payment being reported in my credit report. I notified them that I am disputing this and asked for verification or proof bearing my signature. Within 30 days I had heard nothing back from them nor did they Mark this item on my credit report as being disputed. I sent a second letter to them on XX/XX/XXXX which was received XX/XX/XXXX. My credit report still doesn't reflect that I'm disputing the item in question and I haven't heard from them since they received this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called EXPERIAN multiple times to request my credit report to be mailed out. I was told it would take about XXXX days to be received. I spoke with a representative on XXXX occasions and verified my information. I still have not received anything. This action has headed me in many ways. I am not happy at all. According to the Credit report law, I am entitled to my free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information about Trans Union and XXXX. Trans Union and XXXX is still breaking federal law per fair credit reporting act. Trans Union and XXXX has not exercised their grave responsibility for fair and accurate credit reporting. Ive tried on numerous occasions to get these late payments removed but they continue to break the law. XXXX has deleted the late payment from XXXX XXXX XXXX XXXX and Trans Union and XXXX has yet to comply with the fair credit reporting act and needs to be held accountable. I will provide the case number where XXXX has deleted the late payment COMPLAINT ID XXXX. Trans Union and XXXX need to delete the late payment from XXXX XXXX XXXX XXXX immediately or face the consequences of a lawsuit.
Product: Mortgage

Since I received my Escrow Account Disclosure Statement in the mail on XX/XX/2020 I have attempted to reach Bank of America Mortgage customer service. I have attempted too many calls to list here during the weeks since. I have tried calling before XXXX XXXX  CT ( they open XXXX XXXX ET ), at XXXX XXXX   CT and never am told how long the wait time will be. I am on for 60+ minutes. They were going through a system upgrade a couple weeks ago, got someone on the line, and was told to call back the following " Monday '' and I will be able to speak to someone. 
I need to speak to someone to help me with a payment for my escrow account to prevent my monthly mortgage payment from going from up to an amount I can't afford each month. Well, that amount has gone up because " I '' didn't meet the deadline ( this wasn't my fault ). They don't answer their phones!!!!! 
Also, I contacted the mortgage department during XXXX of this year to look at refinancing, spoke to a mortgage officer who was in XXXX, gave her all of my personal information over the phone and she NEVER called me back. Very unsettling. 
This is a very simple request and they make it so hard. 
I don't care how many mortgage loans they process. They can do better than this. I would never refinance or finance amortgage if I knew it would be with B of A. 
I tried to go online but didn't have an account set up and now have to wait for a letter to come in the mail so I can access my account. 
I am concerned for their employees and for their borrowers in a much worse financial situation who have to deal with this. 
This has been the most frustrating customer service experience ever in my life. I understand much of this is due to COVID 19 but mortgage companies have got to be better than this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX CA. XXXX XXXX EQUIFAX XX/XX/XXXX THE ACCOUNT LISTED BELOW IS A COMPLETE VIOLATION OF THE NO SURPRISES ACT, ( DELETE ) THE LISTED ACCOUNT BELOW ( IMMEDIATELY ) FROM MY CONSUMER REPORT. 

XXXX ACCT # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I both did credit freezes with all three major credit companies in 2017 when the breach happened.  We are applying for a refinance of our home and needed to unfreeze our credit for the application.  With XXXX and XXXX  we had absolutely no problems and it took 2 minutes maximum per company.  With Equifax, however, we've had major issues. We both have the pins that were sent to us when we first did the freeze in 2017.  When we went to log online, the website was confusing and I went first with my attempt to unfreeze and was told to set up and use Lock and Alert instead.  It was pretty easy to sign up for an account and I was able to unlock it.  When my husband went to do it however, it said he had no MyEquifax account nor a Lock and Alert Account. He signed up for both but got a message saying that he wasn't able to proceed because of verification issues and they'd either send a pin via postal mail which could take up to 21 days or he could call a customer service number. We needed to unfreeze the account today so he called. He went through the whole verification process with the person on the phone and then was told, after spending 20 minutes on the phone, that he would have to be transferred to someone else. He had to then repeat all the same information and they were able to lift the freeze over the phone but said that there was a problem wtih the website and he couldn't log in for 24 hours.  He asked to speak to a supervisor, was put on hold and then disconnected.  He called back again and spoke to someone who took his information and then transferred him to another agent. He had to again repeat all the same information (after being told that he wouldn't have to and the agent would relay all of it).  Finally they were able to grant him access to MyEquifax, but he was told that they couldn't get him logged into the Lock and Alert because it was a different product and they'd have to transfer him.  The agent said he would personally call to make sure it was transferred.  The agent came back on and said that he tried calling that number himself and for some reason it wasn't going through but that my husband should call himself. The number he gave him was the very first number that my husband called that started this whole debacle. When he told him that, he again put my husband on hold, went to another supervisor and got a different number.  He hasn't tried calling this new number yet because it's already been 2 1/2 hours, but this is a huge issue with Equifax and a huge complaint.  Thank you.
Product: Prepaid card

They~ allowed a 3rd party to steal my SSI benefits for my children. Who are XXXX! I caught it in time on the XXXX of XXXX! After trying to pay for something, card was declined! Told them to stop the fraud transaction, because I caught it in enough time! They refused to block the transaction! The company already has a class action lawsuit for stealing benefits from the federal government! The company in question who they must be dealing with is out of New York. This company has been in business only 9 months! No one would spend {$1900.00} dollars and another {$690.00}, on a company who has not been around longer than that! I even called this company to tell them XXXX XXXX in New York to stop this transaction because it was fraud. Was not my transaction. They too, allowed it still to go through! So Cormerica Bank Direct Express are working togther! Knew it was an inside job! There is no way it can not be an inside job. Especially since I told both parties to deny these 2 transactions, worth {$2400.00} dollars! Suffrring hardship because of their theft! Filing my own lawsuit against both of these thieves! They both refused` to stop these transactions. So they can share the money! Did my research and found out through the XXXX  complaints, that their stealing milluons of federal benefits! Need my money back asap ' for my children. Can not buy them anyrhing! Cried all night on XX/XX/2023! They had me begging ' for my money! Asked for a provisional credit '' they denied me of this credit! Been with them for at least XXXX or so years! At risk of losing a lot because of the fraud! These transactions were in pending, so they could have stopped these 2 transactions, totaling {$2400.00}, they refused! Cause they needed my money more than me! Pathetic!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian sent me an email dated XX/XX/22 stating that they are denying my request. My request was not made in error, it was not made on the basis of material misrepresentation of fact by me in relevance to block identified transactions, and they determined that I have received possession of goods, money or services. In order to determine that they would have to search my home to find any goods that they speak of in which they have not. 1681 cXXXX states that they are required to block information no later than 4 days and Experian refuses to do what they are obligated to do in requirements to federal law. 
I've asked for permissible purpose that they have on file and they never sent any documents proving so, nor have they provided an investigative consumer reports. Its clear to me that Experian does not care that the banks are dependent upon fair accurate credit reporting and they also do not care bout their affirmative and continuing obligation to protect and secure the privacy and confidentiality of consumers nonpublic information. 
I have filed an identity theft report, XXXX XXXX XXXX reports, and a XXXX reports.
Product: Debt collection

Capitol one has furnish invalid information from XX/XX/XXXX to XX/XX/XXXX for the amount of XXXX $ that I have no idea about I am a victim of identity theft and this is not my account and I never gave anyone permission for anyone to use my person information yet alone put it on my consumer report Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate information and they are doing just that.
Product: Credit reporting or other personal consumer reports

The personal information on my report is wrong. The only personal information that should be on there is my name and current address. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Please delete all names and addresses that are not the ones I just listed. Any phone numbers and jobs need to be deleted as well as they are all wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 Bank XXXX XXXX XX/XX/2023 Capital XXXX XX/XX/2023 JPMCB CARD XX/XX/2023
Product: Credit card or prepaid card

I keep receiving credit card offers from  Capital One,  with outrageous interest rates, and terms. On no less than  3 ( three )  occasions I have requested that Capital  One  remove me from their marketing list because I did not want anything to do with such a despicable firm that chooses to engage in what I would describe as predatory lending tactics. The offers are  INSULTING a nd are obvious attempts to entice their targets into indentured servitude, unending. More than  3 ( three ) times  I have requested that I be removed from their solicitation program, with CAPITAL  ONE 's  personnel, at each and every encounter promising to do such, and yet, I am still to this date,  one arri ved today, getting CAPITAL ONE 's mailings. This has to stop. The " teasers '' are just that, with the rates being " beyond '' reason and justification.
Product: Credit card

I woke up to a variety of different online company emails accounts opened in my name with my email. I then noticed a hard inquiry pull on my credit by Capital one that said I have been approved and my card was on the way with a limit of {$300.00} which I DID NOT apply for! I contacted Capital one to notify them they said I will get a letter showing they have cancelled that account because it wasnt me and they will notify credit agencies about the situation within XXXX hours or so. This inquiry happened XX/XX/XXXX XXXX XXXX
Product: Checking or savings account

I opened a checking account 4 to 5 months ago and had $ XXXX in the account. A {$17000.00} wire transfer was sent and deposited in the account 18 days ago ( XXXX XX/XX/XXXX  ). On XX/XX/XXXX I received a letter stating the account was closed with no reason given. I was also cutoff from seeing the status of my account online. That same day I delivered a letter to the manager of my local bank stating that over {$20000.00} of funds I needed to subsist on were being unjustly withheld and that the {$20.00} charge for the wire transfer was unfair since, due to unjustified impounding funds, I received no benefit. Numerous phone calls to customer service yielded no useful information. The local manager had no explanations, stated that my account had a XXXX balance, and promised to forward my letter to higher management.
Product: Checking or savings account

On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to a new unknown recipient " XXXX XXXX '' at XXXX with XXXX address XXXX. 

On XX/XX/2019, someone hacked into my Chase checking account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. 

On XX/XX/2019, someone hacked into my Chase savings account and transferred {$1000.00} to my checking account with XXXX address XXXX. On the same day, someone hacked into my account and used XXXX with XXXX to send {$1900.00} to the same recipient and email with XXXX address XXXX. 

I did not receive a notification for any of the XXXX fraud transactions. I was advised by Chase 's XXXX XXXX XXXX that any transactions with XXXX with XXXX to a new recipient or above {$1900.00} should be red flagged, and their fraud team should have to approve the transactions, or send me a notification. 

I first learned about the problem when I received an XXXX Funds notification from Chase on XX/XX/2019. I reached out to Chase immediately and they opened a fraud claim for me. 

On XX/XX/XXXX, I learned that the claim was denied. Chase said the transactions were legitimate because they were made via a local XXXX address. I was able to escalate the claim to Chase 's XXXX office, and Chase reopened the claim. A week later, Chase reached out to let me know that they had come to the same decision that the transactions were legitimate. They had not done any additional research to come to this decision - they had just repeated the research that the fraud team did initially. Chase then told me that I would have to provide my own evidence to prove myself innocent in order to get the case reopened. 

I compiled all my records in order to try and find evidence that would prove my innocence. I called Chase on XX/XX/2019, to ask questions regarding transactions on my account, in order to obtain details that may lead to evidence to help my case. It was during this phone call that the fraud team told me that the case was permanently closed and there was no way to open it again. 

I am trying to get my money back from the fraud charges. XXXX with XXXX has led to multiple fraud transactions for people all over America, and banks are not protecting their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have freeze on my credit report at all three agencies. I am attempting to open a new bank account and they use Experian. My login did not work because my phone number has changed. In order to change my phone number they require that I mail them a letter with a bunch of identification information and someday they will send me via mail what I need to login. When I call Experian there is no possible way to speak to a real person. This is unreasonable. I now have to wait several weeks to gain access to my account so I can unfreeze the hold. The other two reporting agencies allowed me to do this online. How can a company hold that kind of power over me when I have not even granted them that power??
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transworld Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Debt and Alleged FDCPA Violations Account Number : Dear Transworld Systems I am writing to dispute the debt referenced above, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I request that you immediately cease all collection activities and provide validation of the alleged debt, as required by law.

In addition, I have identified several potential violations of the FDCPA in your collection efforts, including but not limited to the following : Adding Unauthorized Fees or Charges You appear to have added fees or charges to the alleged debt that were not authorized by any agreement or permitted by law.

Attempting to Collect Debts Not Owed or Already Discharged You have attempted to collect a debt that I do not owe or that has been previously discharged. Please provide proof that this debt is valid and legally enforceable. 

Failure to Validate the Debt You failed to provide a written notice of the debt within five days of your initial contact, as required by law. This notice must include the amount of the debt, the name of the original creditor, and information about my right to dispute the debt.

Despite my dispute of this debt and request for verification, you have continued collection activities without providing the necessary validation.

To comply with the FDCPA, I demand the following : Validation of the Debt : Provide documentation that substantiates the debt, including the name of the original creditor, an itemized account of the charges, and proof that you are authorized to collect it. 
Cease and Desist : Until you have validated the debt, cease all collection efforts, including communication with me. 
If these violations are not remedied and if you fail to validate this debt, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my state attorney general, and consider legal action for damages. 

Please respond in writing and include the requested validation documents within 30 days of receiving this letter. Send your response to the address listed above.
Product: Mortgage

PNC purchased my loan from Mortgage Solutions. The period of time PNC has had my loan, they have mishandled it. Items such as sending me a late payment notice after the payment was already withdrawn from my account ( this has happened multiple times ), not applying my payments correctly, and the latest was my homeowners insurance was almost lapsed ( Insurance sent the bill twice via PNC 's portal and PNC did not pay ). I have all documentation for these statements. I do not trust PNC to manage my loan, however the economy is not at a place I can refinance. However, I can manage my own Homeowner Insurance and Property Taxes and cancel my escrow account. I did not want PNC as my mortgage company and did not sign anything accepting them. They are the worst mortgage company I have ever been with. I do not want them managing any of my money or responsibilities due to their inabilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021, I wrote requesting this investigation into items that I believe to be incorrect outdated or obsolete. To date, I have not received a reply or any acknowledgment that the investigation has begun.Under federal law creditors have thirty ( 30 ) days to complete investigations. Please remove inaccurate information indefinitely. Thank you