23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I participated in the chase auto payment deferral program due to covid 19 hardship. On deferral months payments would be added to the end of the loan with no effect on your credit rating. However, I was marked with a 30-day late in XX/XX/2020 and again on XX/XX/2020. My auto payment was deferred in both instances ( XXXX & XX/XX/2020 ). I have uploaded a copy of my credit report showing both 30-day lates. As well as statements for both months showing my payments were in fact deferred.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX and need to upload my documents to credit bureau
Product: Mortgage

Faxed a XXXX request for mortgage assistance package to the Home Retention Assistance department at Rushmore Loan Management Services on XXXX/XXXX/2016. Called today for a status check on XXXX/XXXX/2016, and the representative said they would not review the RMA because the sale date is XXXX/XXXX/2016. I 'm not a lawyer, but in review home retention state law they are required to stop the foreclosure and review the RMA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report an saw to two collection accounts on my report. I believe that I am a victim of identity thief. I have notified the creditors of this matter but i have not been able to resolve this matter. 

XXXX XXXX XXXX Original creditor : XXXX {$500.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$790.00}
Product: Checking or savings account

I called their office of the President, but I'm not waiting for 5/3rd 's internal investigation to wrap up. Every experience I've had shows that multiple agents from the company are acting in bad faith. As such, I'm making a record here, too. 

In my last complaint, XXXX XXXX XXXX response was fair, but, given the behavior of everyone else I've met at 5/3rd, she's the outlier. 

Today, with her letter in my hand, XXXX at the XXXX branch refused to open an account for me. He explained that since I was only there to redeem the promotion, he was in the right to refuse. He quickly showed me the door. The letter from XXXX saying otherwise carried no weight. 

In XXXX, I had an experience prompting my only other complaint ever. That experience resulted in the letter from XXXX. In that experience, the agent at a different 5/3rd branch told me that many branches don't honor the promotions that are mailed out. This makes me believe that it is widely known within the company that they mail coupons they have no intention of redeeming, or only redeem if the customer " buys more. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened CFPB XXXX to complain company did not send my annual consumer disclosure as requested. 

Company 's response makes zero sense. I did not dispute any items on my report BECAUSE I DO NOT HAVE THE REPORT. 

Send me a copy of my annual consumer disclosure as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed some inaccuracies. It appears to be fraudulent accounts that are reporting inaccurately on my credit report. A company by the name of XXXX XXXX XXXX is listed on my credit reporting stating that I owe their company {$120.00}. I reached out to this company and asked for validation of the debt, and I requested for this account to be verified showing that I am the person that is truly responsible for this debt. I never received any information showing that I was truly the person responsible for this debt. They are harassing me {$120.00} that I don't owe. Pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) if this company claim that I owe them, and they must valid the debt. In addition, I am being harassed. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

I am requesting assistance with this fraudulent account.
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 and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2020 I went into a XXXX store and made a cash deposit of {$500.00} on my PayPal Debit Card. A few days later I notice the transaction did not appear in my account and I then made several attempts to contact PayPal and have not been successful or heard anything back as of yet. My PayPal XXXX ID : XXXX. My account is under XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened a XXXX  XXXX XXXX credit card in XX/XX/XXXX and I had missed two payments before the merchant chose to close the account in XX/XX/XXXX. I paid the account in full the following month. The information reporting on the account is all incorrect. The account was paid in full in XX/XX/XXXX, not XX/XX/XXXX as stated on my credit report. My line of credit was {$800.00}, not {$600.00} as stated on my credit report. This account is almost 10 years old and has been closed and paid in full for over 7 years. I need this account removed from all 3 of my credit reports immediately as it is affecting my ability to obtain new credit. I have addressed this with XXXX  XXXX XXXX and all 3 credit bureaus and no one has resolved this issue for me.
Product: Debt collection

It's been more than a year, amount is {$14000.00}. I did not sign any contract or have any business with XXXX XXXX XXXX XXXX  I have called and even sent emails regarding this and no want has provided me with any proof. I am not liable for this debt. I want it removed from my credit report. They have refused to respond to my inquiry on several occasions. This is hurting my chances of getting a better home for my family. Please I need your help
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing a medical bill for vaccinations in XXXX of 2022. I was charged {$990.00} by the medical provider, which was billed as a treatment for XXXX XXXX. Due to this error, the claim was denied by my health insurance provider unless the bill was corrected. I disputed this verbally and in writing with the provider with no response or notice to send to collection. I have now been sent to collections and requested verification of the debt, which is still incorrectly coded. This matter involves XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter to Trans union disputing inaccuracies its been 30 days now and I haven't update as of yet.
Product: Credit reporting or other personal consumer reports

Today I veiwed my Equifax Credit Report and noticed fraudulent accounts have been opened up in my name. XXXX XXXX and XXXX XXXX. Please remove from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted this company numerous times trying to resolve this matter. 
i sent them a validation letter XX/XX/XXXX which they never responded. 
then i sent another letter to them XX/XX/XXXX and the responded with nothing an account number, address and original creditor information, i wrote back requesting the original contract from the creditor, i contacted them to day XX/XX/XXXX and they mailed a bill not a contract. 

The account they are alleging i owe has inconsistent dates opened last activity and being a third party collection agency, I would like them to provide me with an original contract bearing my names, signatures and any identification obtained such as drivers license, state ID with clear dates
Product: Debt collection

in XXXX, I sent a formal debt validation request to Midland Credit Management under the Fair Debt Collection Practices Act ( FDCPA ). The debt, reported on my credit profile with a balance of {$340.00}, is listed as " In Collections/Charge-off. '' In my request, I specifically asked for : Proof of legal ownership of the debt, including documentation of transfer or assignment from the original creditor. 


A detailed, itemized breakdown of the balance, including fees, interest, and other charges. 


A signed agreement verifying my obligation to repay the debt. 


To date, I have not received any response from Midland Credit Management. Without this information, the debt remains unvalidated, and I do not acknowledge responsibility for it. Their failure to respond within the required timeframe under the FDCPA violates my rights. The continued reporting of this unvalidated debt is unfair and harms my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, XXXX, Transunion.
Here is the list of Hard Inquiries 1.XXXX .datedXX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} ; XXXX XXXX  XXXX  Inquiry : XXXX XXXX, XXXX  ; XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Debt collection

OFFICE OF XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX XX/XX/XXXX Certify Mail : XXXX XXXX XXXX XXXX XXXX To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing Acc # XXXX XXXX XXXX  Loan MIN # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX XXXX REQUEST RELEASE ACCOUNT STATEMENT ( RESPA ) This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). 
I am writing because : 1. I has been requesting a complete copy of the Financial Statement and history payment of account # XXXX from XXXX to present. 
2. Separte statement of legal fees paid from XXXX to Present. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX
Product: Credit reporting

Ok I 'm trying to make or rebuild my credit with a business loan and a car loan, I been making my payments on time so therefore my credit was increasing every month, from XXXX went up to XXXX so when I come and check this month on my equifax account, it went down to XXXX, i know I ca n't apply for not credit cards or loan because my credit will go down, so i have n't apply for nothing because I ca n't afford another bill and my goal is to increase my credit not to lower it, I believe someone might be using my info to apply for credit cards, because equifax says I recently apply for a credit card and that affected my credit score so I would like this to be fix, because I did n't apply for nothing, also would love to know how to stop this person from using my name, please I need help with this
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, I wrote to the credit reporting agency, they placed inquiry on credit report, I have a credit freeze, identity theft hold.
Product: Credit card or prepaid card

Bank of America wrongfully closed my XXXX Benefits account and has held my remaining balance. Calls to Bank of America get new nowhere ; they continue to say call EDD unemployment office and that there is nothing they can do. The XXXX office has confirm there is NOTHING WRONG with my benefits claim, my identity is confirmed, and has switched my payments to paper checks that way Bank of America can no longer steal my money! There was {$2900.00} on my card and Bank of America has/are not returning it! In XX/XX/XXXX my card was compromised and hackers transferred {$5000.00} out the account to another Bank of America account. I filed a police report and reported to Bank of America via the number on back of card. A few weeks later the funds were sent back to my as a courtesy while investigation continued. Since XXXX I have been continuing to receive my eligible state benefits through Bank of America, and just yesterday was sent the payment for PUEC extension week ending XX/XX/XXXX, but when trying get updated balance I find out my account is closed. According to many news sites this seems to be a huge issue with Bank of America prepaid for XXXX, matter of fact there is a class action lawsuit for this exact case happening to thousands of others. I NEED MY MONEY BACK! 

https : XXXX? XXXX 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I had a car loan with BMO. In XX/XX/2023 my car was in an accident and totaled and my insurance company ( XXXX ) sent payment to BMO to pay off the remainder of the vehicle loan. BMO closed my account but continued to deduct autopayments for 3 months following the payoff. I was able to reverse the XXXX payment with my bank. For 3 months I have contacted BMO multiple times to get a refund check. They claim that they mailed a check but that it was sent to the wrong address. They now want me to pay for notary to complete and indemnity form and pay to mail this form to them before they will submit my refund. I have faithfully paid my loan on time the past XXXX years, the loan was paid off and they BMO continued to draft money even after my account with them was closed ( by them ). I do not think it's right that I should spend the time and money for their mistake. I just want a refund check sent to me.
Product: Credit card or prepaid card

American Express sent me a bunch of marketing at my addresses and emails following my submission for Opt-Out and Do not Market. I filed a complaint in the past with the CFPB and received more marketing. I requested that American Express make amends by offering credit terms or restitution. American Express has not reached out to approve the Gold Card for Business, which is great for traveling. The company has also not made right on the violations of the rules and laws. I am requesting a reinvestigation and want to know why American Express was allowed to violate rules. I am also asking for American Express to increase my credit limit and reissue my credit card. I don't feel that it was ok, that they violated the law more than once, even after i filed a complaint. I am asking that the company approves my request to re-issue my credit card and increase my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX Experian authorization to proceed with this complaint. This is complaint # 6. I am a victim of identity theft and as a result there are some accounts appearing on my credit report that are identity theft, fraudulent and unauthorized. I have attempted to submit a Block Request to Experian as well as an Identity Theft report from FTC ( Federal Trade Commission ) with several police reports from two different jurisdictions since XX/XX/XXXX until now to no avail. My federal protected consumer rights are being violated by Experian refusing to follow the FCRA laws and failing to open proper investigation with no documentation attached I request again remove/block theft accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX These accounts caused me to have XXXX XXXX XXXX XXXX XXXX and denied credit I am ready to move forward with litigation if accounts are not removed. I also asked for validation original contracts from Experian and creditors XX/XX/XXXX, XX/XX/XXXX and previous dates and did not receive it FCRA 15 U.S. Code 1692g and 1681 - Validation of debts states it must be removed if debt is not validated showing instruments it must be removed. Admission equals deletion these accounts was removed from XXXX and XXXX which means Experian has to comply. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I've noticed fraudulent accounts, that are preventing me from Obtaining Credit and purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act 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 ) ( XXXX  ) Section Sates : 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 antidotes the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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

On XX/XX/17 Penn Credit has sent me on this date a letter saying I owe this debt which I have no knowledge of what can be done to get this removed off my credit report Sir or Mam? the debt they say is owed is XXXX.
Product: Credit reporting

I entered my identification inormation in, I did not recognize or remember most of the correct answers. The website then told me I ca n't get my credit report.
Product: Credit reporting or other personal consumer reports

All credit agencies ( XXXX, Transunion, XXXX ) are reporting this information on my credit that I am not familiar with, I need this information removed immediately.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Law FCRA Section 605B ; it is illegal to report information on my credit account without my permission. please remove this account from my account immediately.

15 U.S. Code 1692f - Unfair practices / 15 u.s.c 1692 15 u.s.c 1666 B / 1681 a ( 2 ) i 1099c ( remove loan debt ) According to 15 U.S.C 1692c you have violated my rights by unlawful communication. Please remove this information off my credit report immediately, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I paid off my Chase credit card in ( # XXXX ) full. I have not used that card since and didn't not receive any email statements so I didn't know I had a balance from some online subscriptions. At no point did Chase contact me to let me know that I had a balance and the account went past due with fees ( nor was anything posted online ). Although the statement was posted online, there was no email notification as typically is done. The account continued to be past due ( with no knowledge of myself ) and they called me today that my account was 60 days past due. I called and made arrangements to pay off the account in full again, but the damage had already been done to my credit. I have never made a late payment in the 4   years  i've been with them. I paid off my balances in full. They will not act in goodwill and remove the reporting, even though I was not notified. 

Furthermore, I went to the XXXX website and it says creditors can remove credit reporting. Chase said that is not true and there's nothing they can do. This information is include on all credit reporting websites though. I feel like the lack of notification ( even though they say it went through on their end ) is not correct and they have ruined my credit.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under XXXX XXXX XXXX XXXX ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
XXXX XXXX XXXX XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I explicitly stated the accounts that were fraudulent and in question ; yet, there are still accounts on my credit report that should be removed.
Product: Student loan

I made a lump some payment of over {$20000.00} and the company could not find nor tell me what happened to my payment for over 2.5 weeks. Employees could not verify that payment would be made even though it had been deducted from my back account. Everything was resolved but it took over 2 weeks