23daVinci/CFPB_Complaints huggingface dataset:
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 caused significant in convenience and financial loss, and seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Forbearance plan initiated XX/XX/XXXX. Late payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, has been paid during forbearance plan. XXXX is constantly reporting me 60 days late in forbearance, even though all monies are paid, besides whats due during forbearance {$16000.00}. Credit reporting is triggered somehow thru phone calls or payments to XXXX. If no communication is initiated, then credit reporting ceases. Communication with my mortgage lender, should not trigger negative credit reporting on specific months, when in forbearance. If its consistent, then all months should say 60 days late, but the error comes in when I was actually 90 days late from XXXX. This information is not correct in my credit profile and should be updated immediately. XXXX is the worse Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 my personal information was used to open an account with " XXXX XXXX  ''. I don't know who stole my identity but I am certain I have not applied for this account myself. Therefore this account is fraudulent due to a fraudulent application under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XX/XX/XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$120.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Debt collection

The original debt was calculated incorrectly. IQ data was provided the correct amount however is still charging a huge amount of interest and is now refusing to setup a payment plan. They are rude, unreasonable and attempting to collect way more than the debt owed. I have already sent them two thirds of what is owed.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX, XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

My information was exposed when the data breach happened not to mention my name and social has been popping up everywhere websites
Product: Checking or savings account

TD Bank has been discriminating against me because Im on XXXX and receiving XXXX benefits. I had {$900.00} saved on my CD and was fraudulently levying me without representation. 

My CD account was emptied. My TD bank secured credit card was paid and never credited for months.
Product: Payday loan

I paid the amount owed, but the company kept saying that I owed them more. To get them to stop, I put a stop payment on the account, but they are still calling and trying to collect.
Product: Credit reporting or other personal consumer reports

I never applied for or ask for or paid for a credit card from capital one or XXXX I have never used XXXX in my life or capital one I have never lived in XXXX XXXX or visited all three of these items are on. My credit report I have been trying to change the XXXX XXXX lie on my report for over ten years my sister stoked my Id and has been using it over 20 years I also never ask for any cell phone from XXXX XXXX  I have lived in XXXX for the 8 years we dont even have XXXX XXXX in XXXX XXXX XXXX is my sister who stole my identity she lives in XXXX XXXX XXXXXXXX XXXX XXXX XXXX she is behind these credit cards on my report and XXXX XXXX and she is the one who lived in XXXX XXXX for over 20 years not me I need my credit report corrected please
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have reached out to the FTC  and to my local police department. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am doing this on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked that my reports be reviewed and verify everything on my reports as being accurate. I have viewed the reports and has found improper inconsistencies. 

In the accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights. 

15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A It also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX  was open on XX/XX/XXXX amount owe XXXX .I have no knowledge of this account didnt give premission for the use of this card use or open. I would like for this account to be remove off all three of the major credit bureau immediately off transunion, XXXX, XXXX XXXX XXXX  was open on XX/XX/XXXX amount owe XXXX have no knowledge of this account didnt give premission for the use or open of this card .I would like for this account to be removed off all three credit bureaus immediately off XXXX, TRANSUNION, XXXX I have two XXXX XXXX XXXX XXXX  open without my premission one was open XX/XX/XXXX and another XXXX XX/XX/XXXX one balance XXXX and the other one XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As I stated previously, I now have a total of XXXX mailed inquires to verify a correct address. The requests are mailed to me at my address but in someone else 's names. This week I got a debt card XXXXXXXX XXXX to my address but in someone else 's name. All of these are from US Bank. We have no US Bank accounts of any kind. I've called US Bank twice and asked them to investigate. They said they would investigate but would not call us with the results.
Product: Credit card

I have signed up for paper-free statements but have not received a digital statement from the bank since XX/XX/XXXX. This resulted in me missing a recent payment and I contacted them on XX/XX/XXXX for help. On XX/XX/XXXX they replied, telling me to double check my email address, which I did. I replied on XXXX telling them the email address was correct. XXXX days later on XX/XX/XXXX they told me it didn't matter if I received statements that it was still my responsibility to pay my bills on time and to make sure they weren't going to spam. I double checked they were not going to spam and I asked to switch back to paper statements and they never replied.
Product: Credit reporting or other personal consumer reports

I have filed disputes for things that were placed on my credit report that were not accurate. The information or details were not correct. I filled disputes and the company claimed no errors were founded.
Product: Debt collection

I received my free annual credit report 2 years ago and noticed fraudulent activity from SYNCB/SAMS I have tried numerous times to get this fraudulent account removed with no response or verification from this company for the last 2 years.
Product: Credit card

I called Ally credit card services today XX/XX/year> around XXXX to request payment deferment and hardship programs. I spoke to XXXX ( ID : XXXX ) and he advised me that there are no payment deferment and hardship programs available for me.
Product: Vehicle loan or lease

My father was a Navy Federal Credit Union member. He had an auto-loan, however he passed away in XX/XX/XXXX. I continued to make payments, once all was settled, I contacted the credit union to advise of my fathers passing. It took them months to determine they would talk to me. I provided death cert, heir-ship documents and all my contact info. I was finally assigned a case specialist in XXXX XXXX in XX/XX/XXXX. To date still have not heard from that person. I continued to call explaining story over and over. On XX/XX/XXXXXXXX  the car was repossessed. When i called to find out why as it was not delinquent, I was told in the state of TX a lien can not remain in deceased persons name for more than 12 months. I explained I have been trying to work with them for sure a solid 6 months to resolve and have gotten no where! They finally assigned me to someone in the settlements department which has been an additional nightmare. The remaining loan balance was {$9700.00}. I was told to submit an offer which I did, {$7800.00}. Took another month for them to accept. I was told if I open an account that would likely make the process easier when trying to get approved for the loan so I did however my loan was declined so I went with plan B and was going to use credit card to pay-off. When I called to make the payment, I was told they don't accept credit card payments. I explained its not a Navy Federal card and no one ever explained what payments are or are not acceptable nor have I ever received anything in writing about this process, i was told its their policy. So now I am back to square one. The case manager that I was working with said she requested extension to give me more time to payoff lien of {$7800.00}. I countered again to {$7000.00}. She advised extension was approved through XX/XX/XXXX. I withdrew from my XXXX to pay lien. I called today to find out if counter off was accepted and I was told the car is up for auction. I requested information to speak with the agent that was helping me and requested to escalate to management and was told it's almost XXXX so all departments are gone. The process alone is frustrating but to be going through this in the midst of losing of a loved one is absolutely horrible!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a settlement letter and check to Midland Funding to settle a collection account. The letter stated that in exchange for the 50 % settlement, Midland would remove the account FULLY from my credit reports. The letter was delivered on XX/XX/2020. On XX/XX/2020 Midland cashed the check, and it cleared my account. As of XX/XX/2020, Midland has failed to uphold their end of the agreement, as the collection account is still being reported to the three bureaus and appears on my reports with a balance.
Product: Credit card or prepaid card

I was issued a new credit card by Wells Fargo Bank because they took over the XXXX XXXX  hotel card from XXXX XXXX. They refuse to allow me to enroll in their online account management program to pay my bill. They have an outdated phone number that is in their records and they refuse to correct it so I can receive their 2 step verification code. After an hour on the phone with customer service I sent an email to their investor relations dept because that is their only email contact They forwarded it to their credit card dept which has failed to respond
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXXT Last reported XX/XX/2019 TO ALL 3 CREDIT BUREAUS {$91000.00} Reported balance Please remove from my credit reports.its been an ongoing problem for almost seven years.
Product: Credit card

I research to a debt management company because they refuse to negotiate everything I call them, I called them during XXXX XXXX and they didnt help me either, I survive XXXX hurricanes and a job less and they dont give me grace even when I offer to close down the accounts
Product: Credit reporting or other personal consumer reports

XXXX ) XX/XX/XXXX : Sent letter # XXXX to XXXX disputing the information listed under the collection account " Fair Collections and Out XXXX ''. They were reporting the account as an OPEN ACCOUNT and at the same time reporting it as closed on XX/XX/XXXX. It was paid off in full in XXXX. I also requested a copy of the account information that was sent to XXXX from the data furnisher ( Fair Collections and Outsourcing ). I RECEIVED NO RESPONSE from XXXX. Letter was sent certified mail return receipt. 

XXXX ) XX/XX/XXXX : Sent letter # XXXX to XXXX again disputing that the account was being listed as an OPEN ACCOUNT. They were now ALSO reporting a High Balance of {$580.00}. I also AGAIN requested the corresponding documentation showing that it is correct. Letter was sent certified mail return receipt. 
On XX/XX/XXXX XXXX sent me the investigation results. They said it was VERIFIED AS ACCURATE AND UPDATED. And once again it was showing as an OPEN ACCOUNT. Now next to XXXX XXXX was a date XX/XX/XXXX ( {$0.00} ). 

XXXX ) XX/XX/XXXX : I also sent a letter to Fair Collections and Outsourcing via certified mail return receipt. Asking for them to VERIFY ( not validate ) my account and requested copies of the documentation that was sent to the Credit Reporing Agencies. The letter was indeed received by someone in the company. I never heard back or received any such documentation from Fair Collections and Outsourcing. 

XXXX ) XX/XX/XXXX : Sent letter # XXXX to XXXX! I let them know that I contacted the furnisher directly and after almost two months that no doumentation from the furnisher was sent to me. I sent them a copy of the letter that was sent to the furnisher as well. I asked XXXX how were they able to verify the accuracy of this dispute if the furnisher couldn't provide documentation? I requested them to remove the item from my report as it is unverified at this point. Letter was sent certified mail return receipt. 

XX/XX/XXXX : I recieved the results of dispute from letter # XXXX. AGAIN IT CAME BACK AS VERIFIED AND ACCURATE. STILL SHOWING AS AN OPEN ACCOUNT!!!
Product: Debt collection

This is a workmans comp issue. I sent copies of all the medical bills to the XXXX XXXX ( my XXXX insurance company ) for payment. For some reason they paid all of the bills but this one. I also informed XXXX and XXXX XXXX hospital that XXXX XXXX was responsible for this bill. I mailed copies of all the paperwork and verbally gave them the information over the phone several times. I gave them the injury claim number, phone numbers, address and contact information. This bill is not my responsibility.
Product: Credit reporting or other personal consumer reports

I FILED A CEASE AND DESIST ON FINWISE/AFF IN XX/XX/year> AND NOTICED THEY PUT A LATE PAYMENT FOR XXXX ON MY CREDIT REPORT. 

28 USC SECTION 241 REMOVAL IMMEDIATELY OF THIS CODE XXXX
Product: Checking or savings account

Back around XXXX of 2020 I had lost my wallet in the XXXX XXXX and later my XXXX XXXX XXXXXXXX was compromised and fraudulent checks were deposited into it causing me to have to have negative report with early warning services I attached my police report with this complaint this was not done by me and should of been removed off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this with Transunion but the company has failed to investigate this account that is still inaccurate, incomplete and unverifiable. 

On XX/XX/XXXX I sent a letter to Transunion in which they received it on XX/XX/XXXX about The Department of Veterans affairs account they are reporting inaccurately on my report. I sent the dispute letter to get it fixed because the information was not matching with the other bureaus. Transunion just updated the information but did not fix the error. 

I sent another letter on XX/XX/XXXX and they received it, on XX/XX/XXXX. In this letter I pointed out the inaccuracies but instead of doing a proper investigation within the 30 days. Transunion proceeded to make up a balance of {$2700.00} and then had the wrong close date on the account of XX/XX/XXXX. 

Frustrated I sent a third letter with no response. 


I sent a letter to the creditor Department of Veterans affairs, they said the balance was {$1900.00} and the close date was XX/XX/XXXX. They also proceeded to tell me to take it up with the CRA. When I tried to do that already.
Product: Mortgage

My mortgage lender CIT bank has been charging me for extra for home insurance even though I've had home insurance this whole time. Since XXXX they have deducted {$550.00} every month, even though they had all the paper work proving that I have home insurance. I noticed this in a few months later and spoke to a representative. They said they would fix the problem since it was there mistake and issue me a refund. They have still yet to do that. They continue to charge me {$550.00} every month and haven't sent me back the refund. Every time I call them they blame the person I spoke with prior and promise to issue the refund but never do. 
I'm at my wits end because I don't know who to contact to report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the sixteen ( 16 ) dispute letters I have been sending to the Credit Bureaus, the Credit Bureaus have done nothing and continued to report the disputed items on my Credit Report without sending me copies of proofs of verification which is a clear violation of a consumer 's rights under the FCRA. The Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft under the FCRA section 605b. The last letter I sent to the Credit Bureaus was dated XX/XX/2022 with complete attachments of my personal identifying documents as well as the ID THEFT REPORT I received from the FTC. I am submitting this CFPB complaint to you today to address the indifference and negligence of the Credit Reporting Agencies. Under the provisions of the FCRA section 605b, I am requesting that the following items be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Mortgage

I initiated a simple refinance with Citibank on XX/XX/20, after several delays on Citibank 's part they collected an application fee of nearly {$900.00} from me on XX/XX/20. 

My refinance is a very simple coventional loan, my wife and I have credit scores that average 800, an LTV of 41 %, and we provided Citibank current tax returns, W2s, paystubs, etc. We promptly provided Citibank everything they asked for. 

It has now been nearly FIVE months since I started my simple refi process with Citibank. Citibank refuses to provide me with any credible closing date and has continually lied about the progression of my application. As of today 's date ( XX/XX/20 ), my application is still " in process '' with no end in sight. Citibank has also blatantly ignored my simple requests to escalate the issue. 

I've had multiple friends start and complete their refinance applications with other lenders in 3-4 weeks time, all during the same period that Citibank has held my application hostage.

Neither my loan officer nor her manager have been very helpful, they only provide canned responses such " very soon '' and " only two more weeks. '' They've been feeding me those lines for months. 

Citibank 's conduct has to be criminal. How can Citibank be allowed to collect money from customers and then fail to provide a service nearly five months later, not to mention that customers held hostage by Citibank lose out on the opportunity to save money by refinancing with a credible lender. I genuinely think Citibank simply decided to pause all of their " in process '' applications to the detriment of their loyal customers. This has to be a form of predatory lending.