23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My account was opened on XX/XX/XXXX with an opening balance of {$5200.00}. To ensure timely payment, I submitted my first payment on XX/XX/XXXX, with automatic recurring payments set up through my credit unions bill pay system starting on XX/XX/XXXX. In XXXX, just before my next payment was set to be sent, my credit union switched to a new bill pay provider. The XXXX payment was missed in the transition. When TD Bank notified me of the situation, I made an extra payment on XX/XX/XXXX, after the XXXX automatic payment was made. Through the statements sent to me by TD, they never indicated that my payment needed to be increased for a {$29.00} late fee incurred through the XXXX missed payment. Subsequent bills also never showed a change in minimum payment due. However, buried in the details, and never mentioned on the front page of the bills, was a chain of late fees for not paying the original fee. By the time this was discovered, the late fees have amassed to a total of {$270.00} ( over 5 % of the original loan ). Had this been disclosed with the original missed payment in XXXX, I would have paid the fee immediately. Through calls with TD Bank, they kept saying the fees were for missed payments. Every time I spoke with a representative they would give me a date for a payment that was missed, and I would go into my online banking system with my credit union and tell them exactly when that payment was delivered, and the tracking number for the payment. In a call with TD on XX/XX/XXXX I spoke with an agent named XXXX who hung up on me. After calling back in I spoke with XXXX ( XXXX # XXXX ). She informed me that standard agents are not able to see the details on the account, and that I needed to call a special Customer Service line to speak with someone that had access to review account history. I spoke with XXXX, who agreed to send me a comprehensive listing of charges, payments, and fees. I feel this practice is deceptive, and needs to change.
Product: Money transfer, virtual currency, or money service

Cash app has stole at least XXXX thousands dollars off my dollars from me my name is XXXX XXXX I want to be Paid in full
Product: Mortgage

I have a current mortgage application with Bank of America that is still being processed. This is the second application I have had with them this month alone because they cancelled my first one without notice. After discovering it was cancelled and calling everyone that I could they helped by putting in a new loan with an expedite on it. I spoke with the manager of the lending officer who admitted the loan was cancelled the first time due to an oversight by his lending officer. However, he promised that the expedite would get the loan through and we could close as close to the initial date as possible. It is now 3 days away from when we were supposed to be closing on the house and I can't get anyone at the bank to respond to my emails or phone calls. The only time I get a response is if I call them out on ignoring us and the response received is " we aren't ignoring you '' but nothing to actually address our concerns or questions. our appraisal was supposed to be completed on the XXXX of XXXX and we still haven't been told if this has actually taken place or not.
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 XXXX have caused significant inconvenience and XXXX XXXX loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on 3 separate occasions to have Ally Financial XXXX report the correct information to the credit bureaus regarding having the correct balance reflected as well as being current in my payments. Every time I have called, I have spoken to someone in the XXXX and each time I've tried to resolve my issues, they apologize, put me on hold and tell me the same things every time. " We will submit an email regarding the information you requested. It can take up to 45 days. '' It's been about 2 months now and there has been no updates on any of my requests, no changes in the credit bureaus, I haven't been contacted by anyone from Ally, and what's most disturbing, is that when I asked the very first person to please report to the credit bureaus my current information, she had to put me on hold and ask someone if they do that!!! Today, I immediately asked to speak to someone in the United States. She said okay and to wait while she tried to connect me to someone. After about 3 minutes, she came back on the phone and said that " unfortunately, they are closed '' today is Wednesday. The time in my state at the time I requested to speak to someone here in the United States, was around XXXX XXXX central time! It's not a holiday and no banks or most businesses are EVER closed during these ( particular ) times in the US!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I need help because my credit has been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within XXXX business days of reciept of this report. Failure to do so is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

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

I made a transaction with US Bank on XX/XX/18 and posted a payment in full on XX/XX/18. It was after I made a payment in full I thought the transaction was over, but apparently the bank account number they had was incorrect. This caused my payment to not go through. They did not alert me or send me any notice the payment had not gone through, which is a breach of their fiduciary duty to me, the consumer. They let the late payment sit for months without any contact to me that I was late due to a bank error from XX/XX/2018 until in XX/XX/2018 they flagged me for collections and reported me to the credit bureaus as a 30 day late payment. This flagging my credit reports is the only way I found out I even had a late payment. It was then that I called and immediately paid in full and the representative reversed all late fees and admitted it was an error on US Bank 's part. I have now been in a dispute with them because they refuse to remove the error from my credit report and it is affecting my ability to obtain a mortgage. I have no late payments on my report other than this one made in error and I have always had a clean report. US Bank is trying to bully me into letting this go, but their representative already admitted fault in that they never contacted me one time during the span of 4 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE ERRORS IN MY REPORT. XXXX  XXXX {$290.00} XX/XX/XXXX. XXXX  XXXX XXXX  {$1300.00} XX/XX/XXXX. XXXX XXXX XXXX {$630.00} XXXX XXXX  XXXX {$35000.00} XX/XX/XXXX. XXXX  XXXX  XXXX  {$700.00} XX/XX/XXXX. XXXX XXXX XXXX {$890.00} XX/XX/XXXX. XXXX. XXXX XXXX {$930.00} XX/XX/XXXX.
Product: Debt collection

Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, XXXX XXXX, Badge ID # XXXX and FTC case # XXXX. This account is not mine and is from ID theft. 
I never had XXXX and have been with my current cell provider for 10 years. 
This collection company is reporting this account opened XX/XX/XXXX and when I called XXXX they said the account is over 7 years old. So this collection company changed the date in order to try and collect a very old account which is in violation of the Fair debt collection act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted them about wrong information on my credit report. The items are showing all different with the credit limit, past due amounts and days late before charge offs.
Product: Vehicle loan or lease

In XXXX when COVID hit, I lost my job. I contacted my lender and notified them that I couldn't make payments, but I would try. They allowed me an additional 30 days to try and come up with a payment and I couldn't. I lost my place of residency as well. They XXXX   my vehicle because it was towed due to 2 flat tires I had and couldn't fix and XXXX police department towed it and they notified my lender. They went and retrieved it. I tried to call and get it back, but they said they already had out it up in an auction but if I wanted to purchase the vehicle outright, I can with the amount exceeding XXXX which I DEFINATLY do not have. I noticed a hard inquiry on my credit report yesterday and I contacted them thinking that someone tried to get a loan in my name, but come to find out that this lender ran my credit without my authorization and they said they sent me letter and did not get a response .. as I indicated to you I became XXXX   and I did not receive these letters. They told me that I just ignored them and I did not. I am trying so hard to repair my credit to the best of my ability, and I asked her why did she run a hard inquiry. She told me she can do that and she plans on doing a hard inquiry once a month which I do not agree with. She told me that if and when I'm employed, she will have my wages garnished to pay the remainder of my vehicle. I am scared. I am still seekinf employment and I am a XXXX mother with XXXX boys XXXX and XXXX and all of us live seperstky due to the Covid and the entire situation. I write to u because they are going to ruin my credit more than it already is. The way they conducted towards me is in acceptable and I fear what's to come. I tried to reason with them and they want one lump sum payment of half of what I owe which is about 4000 and I have nowhere near this amount of money. I explained I am XXXX, I do not work and I can't do what she is asking me to. They wouldn't even consider monthly payments. XXXX refuse to work with them any longer. I needed to reach out to someone because if she runs a hard inquiry once a month, I will never be able to have some kind of living environment for me and my boys, let alone if and when I do find a job, she thretenws to take my wages. What do I do.?? I couldn't even sleep last night. I hurried a son XXXX rates ago and his anniversary is coming up.. I have to go to XXXX because if all these problems. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

ive been a victim of idenity theft i check my credit in XXXX and notice a XXXX XXXX XXXX XXXX credit card open under my name that i didnt consent to are had any knowledge of this account. someone open and this XXXX XXXX credit card under my name using my social security number my driver license and my address through united states postal service mail forwarding and also used spoof my cell phone number and open a bank account with XXXX XXXX
Product: Debt collection

This company is deceitfully misclassifying themselves as a Creditor when in fact they are a collection agency to purposely cause me harm! This is a violation of the Equal Credit Opportunity Act which specifically states that a Creditor is an individual who extends credit. They know they dont extend credit and they know they have no business agreement from which there was ever a start date. Remove this immediately!
Product: Debt collection

Wells Fargo Bank charged off my credit card bill and said, I own the full amount plus interest. The IRS states that a charge off is income and can not be on my credit report as a debt. They didn't send me my 1099c
Product: Student loan

I began my loan with Navient in 2011 where my student loan balance began at {$54000.00}. I have done 3 forberances during the time of the loan. However, since the inception of the student loans I have paid {$39000.00} in total payments with {$29000.00} going to interest and only {$9100.00} to principal which seems more insane than a payday loan. In addition, looking at my monthly statement each month a drastically different amount goes to interest versus prinicipal. When I called to inquire what my payoff of my loan is they say it is {$61000.00} when the original loan amount was only {$54000.00} and I have made total payments above. This makes no sense and seems very predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase is blatantly violating fair credit billing practice is at by voluntarily changing date of last payment over and over again so that my guard last payment over and over again so that my card reporting to the credit bureau forever it is shocking how chase is accepting that the payments were returned see document attached but still Chase reported but still Chase reported to the credit Bureau as paid on time so that my first date of delinquency is moved ahead  so it remains on my credit report forever
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XX/XX/XXXXXXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit card

I I purchased a stove for {$1500.00} in XXXX using my Wells Fargo choice privileges card. On the day of delivery. I got a call from the transport company that said the manufacturer have gone out of business gone bankrupt and they had to return the stove to them. They were not allowed to deliver it. I started a dispute with Wells. They said they would take care of it. This was back in XXXX and nothing happened and it was closed. I called back and the gentleman said he would reopen it and take care of it. I called back again this week and the rep accused me of lying saying I never called in and I have the email saying that they will take care of it. I have no resolution about {$1500.00} in Wells will not protect their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account : XXXX XXXX account number : XXXX account XXXX XXXX XXXX XXXX XXXX : account number : XXXX XXXX XXXX XXXX 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 then seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with detailed information pertaining to the alleged accounts, including any associated transactions, applications, or account activities. It is crucial that I review this information in order to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your instution and am confident that you will handle this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response and a resolution to this concerning issue. 


XXXX XXXX  XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX inquiry date XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was stunned to see that inaccurate accounts suddenly appeared on my credit report tonight, and I can't figure out why. I regularly check my report, but this time there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors didnt go away. Given this, Im requesting a thorough review of the documents Ive submitted so I can finally feel at ease about my credit report.
Product: Vehicle loan or lease

On XX/XX/year> XXXX XXXXXXXX XXXXTOC sent a letter claiming to have sold the loan off to XXXX XXXX XXXX . Once we called XXXX XXXXXXXX XXXX they claimed to have nothing to do with the mistake of our XXXX loan now being XXXX and that we should contact XXXX XXXXXXXX XXXX. Weve tried calling and no response was given even after leaving voice mails. No other solution was found but to submit a complaint for consumers right and protection we hold bank statements that could reflect the amount owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I would like to report about fraud items in my credit report. I do not recognize these accounts and my personal data was used by someone. please delete asap
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a B of A Platinum Rewards Card online. I received a email telling me my application was pending. I received a call from a B of A rep on XX/XX/2022. She was going to complete the application process but the number on my application was not the same number on the CR. She said she would mail me a letter and complete the process when I receive the letter. I called B of A on XX/XX/2022 and spoke to a rep name XXXX. I confirmed that I received the letter by mail. We completed the verification process. XXXX said I was approved for a {$4000.00} XXXX. The card would me mailed to the address on my application. I have never received the card. I called today, I was told that my social security number and the phone number entered into the system us incorrect. The agent was confused and wondered HOW rep XXXX was able to complete the verification process with the incorrect info in the system. I gave the correct information on my application that is HOW the first rep who called me was able to see that I have a statement attached to my credit report and they had to verify who I am before extending credit to me. So the incorrect information that the B of A saw in the system, today, was entered in incorrectly by a B of A rep. Now, my credit card is in limbo due to errors that are of not my doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that the following inquires are removed from my credit report as a fraud alert was placed on my credit report and that EVERY creditor must contact me before either offering credit, and/or running my social security number in the first place. 



I was not contacted by the following creditors under this stipulation to be notified first and these inquries need to be removed immediately : 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX- XX/XX/2022 3 ) XXXX XXXX XXXX- XX/XX/2022 4 ) XXXX- XX/XX/2022
Product: Money transfer, virtual currency, or money service

Correction XX/XX/2020 at XXXX XXXX PDTTransaction ID : XXXX Payment Status : COMPLETED Gross amount - {$9000.00} USD We have no postal address on file Your Payment Gross Amount- {$9000.00} USD PayPal Fee {$0.00} USD Net Amount- {$9000.00} USD Contact info PayPal Funding details Funding Type : PayPal Balance Funding Source : - {$9000.00} USD - PayPal Account Need help? 
Go to the Resolution Center for help with this transaction, to settle a dispute or to open a claim. 

Memo {$9000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; XXXX XXXX