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

I recently saw a increase in phone calls from credit acceptance ( my car loan company ), they claimed my payment was not made, this have been set to auto pay since I have had this loan, last year this exact same time in XXXX I had the same issue. They claim is was my banking issue, I have never had anything before {$5000.00} in my account in 3 years, so I don't know why this happen same time and same month 2 years, now my credit have drop significant due to the issue even after paying it the next day, also my XXXX XXXX interesr rate is very high, they need to stop messing with people money and living
Product: Checking or savings account

Capital One didn't give me my direct deposit for over two days. They did not inform me when I would get my money. My bills were paid late do to this happening.
Product: Mortgage

Due to Covid i became unemployed for the first time in my life. I had to put my property into forbearance. Once I became employed again ( after 6 months on unemployment ) my income is less than it used to be. I used a company to help me request a loan modification from my lender Mr Cooper. The modification offered is minimal and does not help me for the following reasons : 1. My income has been reduced for the forseeable future 2. The " modification '' is a minimal savings- only {$100.00} per month 3. The cost of the modification ( charged by the company i hired ) divided by the {$100.00} savings would take me 8.5 years to recoup 3. The modification extends my loan to 40 years keeping me in debt longer for a situation i did not cause that was completely beyond my control ( covid ) 4. The interest rate has not been reduced at all- they are keeping it at 4.625 % when rates are now much lower 5. They were overcharging me {$310.00} per month on my escrow bill for several months and the multiple requests i made to get it corrected ended up in a dead end 6. Due to them not correcting my escrow account i had no faith they would be easy to work with on a modification so I then employed a company to help me with getting a modification.

7. If i reject the offer Mr Cooper has made, they have already stated they refuse to let me submit again and said they will short sale my home. If i accept the offer, i have to pay the company i hired for minimal savings on the loan payment that will take me years to recoup.

Based on the factors listed above and under the extreme circumstances created by Covid combined with the low interest rate market I don't feel this is a fair offer. I feel what Mr Cooper has offered under the current
circumstances is the bare minimum and has put me in a position where i must accept the minimal terms or lose my home. Which means because i don't want to lose my home, that i just have to accept whats offered. It has put me in a difficult and vulnerable position, when i was already in a difficult position due to Covid.
Product: Debt collection

I checked myself in to the emergency room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) XXXX sometime in XX/XX/XXXX. I was told by their billing staff before treatment that I would have a {$30.00} co-pay and my insurance covered the rest of the fees.Then on XX/XX/XXXX an account was posted on my credit report in collections for {$850.00} by XXXX XXXX XXXX. When I contacted them in XX/XX/XXXX they told me the account was for unpaid medical expenses from that visit. I had received XXXX correspondence from them them whether by phone, mail, or email. I have had the same phone number since XX/XX/XXXX, there is no possibility of being unable to reach me. I don't even know if this company ever purchased any account of mine as they have sent zero information regarding it. 

I opened a dispute through XXXX on XX/XX/XXXX and their investigation was completed XX/XX/XXXX in favor of the lender. At least now I have some evidence that their company has SOME legitimacy. However, now as of XX/XX/XXXX, as a direct result of my dispute, my account looks like it was sold to PHOENIX FINANCIAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX But the account shows that it was opened XX/XX/XXXX and not when it originally was posted in XX/XX/XXXX. I researched and learned this is called Re-Aging and is illegal. I have been working on achieving better credit and have had zero missed payments or accounts go to collections in several years and now this company has illegally changed my account with zero contact to me and has affected my credit.
Product: Credit reporting or other personal consumer reports

I contacted Credit Acceptance and spoke with XXXX I was offered a payoff that I accepted. I made a {$2900.00} payment in XXXX, another payment on XXXX, and paid the car agreement off on XX/XX/year>. Credit acceptance has sent me a pay off completion of the car. However Credit acceptance reported me XXXX late on XX/XX/XXXX this car had been paid off 11 days at this point and my credit score dropped XXXX points. I need these lates removed. I also went through credit acceptance, dispute process, and filled out their mail in dispute. That is when they reported me again in XXXX stating that the late are correctly reported and reported me for XXXX being 180 days late when the car was already paid off. This is incorrect credit reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of the Equifax data breach, and I noticed a few fraudulent inquiries placed on my credit report without my proper authorization. Listed below are those fraudulent inquiries! XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021.
Product: Checking or savings account

What I am currently experiencing all started on XX/XX/XXXX. I will give the back details so that all of this makes sense. I had checked my bank account the morning of XX/XX/XXXX to see that my bank account had been overdrawn by {$120.00} exactly. This overdraft was suppose to be coming from my health insurance on top of their ( {$110.00} ) they also took another ( {$34.00} ) for the overdraft since the money wasn't all in the account. I didn't pay it any mind and was just going to get myself back in a positive when I got paid that Friday. I continued think about how greedy it was of them to take their money and still yet charge me the {$34.00} overdraft fee on top of what they were already receiving from me. I decided to call XXXX XXXX, XXXX XXXX on that Monday to ask why they still charge me the overdraft fee after getting their money that was owed to them. It was to my surprise that they told me, " We aren't sure who that money is going to, but your premium to us is $ XXXX a month. '' The woman and I talked about these transactions and what were named on my bank statement. She even said they she didn't have any record of me paying anything to them. She contacted the business that it said on the statements and we completed a three-way call. The other lady for the business " XXXX XXXX '' also stated that she couldn't even find an account for me or find anything that says that I had ever paid anything to them. She even expressed that their business is life insurance and not medical insurance. After completing the call with both women, I was advised to get in touch with my bank to dispute these transactions. I spoke to a gentleman through the customer service line at Chase who helped me dispute these charges that went all the way into XXXX of XXXX. He had said that he had never saw things like this personally but had heard about it. I provided a document straight from the insurance company that states that my premium is $ XXXX a month. If I had not been curious of their greed then I would have never found out that all of these charges were fraudulent. It was of course to my surprise when I had check my account today, XX/XX/XXXX, to see that the dispute was being reversed and had drawn my checking account to XXXX. I filed these claims almost two months ago and now they are reversing them, leaving me in a financially hard place. 
I will attach the official letter that was given to Chase by my health insurance regarding all of the claims. I have also attached the screenshots of them reversing all of the payments and putting me into the negatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an credit builder account and also a credit card account with Self credit builder. I closed my credit builder account with them. I have a payout that was supposed to be sent to me on XX/XX/2023, in which they were supposed to deposit it into to my bank account. They have yet to send my payout. The first few times I called they said they needed to verify my identity. I sent them a copy of my driver 's license, a picture of me holding my driver 's license and a picture of my social security card. They also asked for a copy of my bank statement associated with the Self account I had on file. After repeatedly sending them my bank statement they sent another email stating the bank statement had to show a payment made to Self. Which was not possible due to it being a new bank account that I haven't made any payments to Self on. I sent all of this information to them. However they repeatedly asked for the same bank statement which I sent each time they requested it. The last time I called them XXXX I was told something totally different than what was told to me previously. They said that my payout for my credit builder account was showing as staged and should be sent out as early as tomorrow, the next day I was told it was frozen due to ID Verification. They are continuously giving me the run around. It was supposed to be sent to me on XX/XX/XXXX and I still haven't received my funds They also stated that the ID verification was for my Self credit card not my credit builder account but if that was the case I should have received my funds on XXXXXXXX XXXX XXXX  They sent me numerous emails saying the identity verification was because of the Patriot Act. However they didn't try to verify me until I decided to close my credit builder account.
Product: Checking or savings account

On three occasions my husband and I were not able to login to our online hysa with BMO Alto. 

Our usernames and passwords were correct but we were caught in endless loops : First screen : enter un and pw > Next screen : verify ID by sending randomized pin to phone number listed ( only part of the time was the phone number one we recognized ) > Next screen : back to login after ID confirmed but still no access to account. 

After multiple verifications in email, text, and on the phone with social security numbers we were unable to access our account. No amount of password resets, pins, personal information or verifications allowed us to access our account. 

The results were slightly different on different devices and finally ONE out of 5 devices allowed us to login with all the same info that we had been providing on all of the devices. We took the opportunity to withdraw all of our money and we will close the account once the withdrawal is complete. 

Customer service was unhelpful and rude. Repeatedly blaming us for using incorrect information when we know it was not and it was proven out by finally working ONE time for us. Terrible customer service interactions combined with a terrible online interface that nearly kept us from ever being able to withdraw out funds is why we are filing this complaint.
Product: Debt collection

This debt collector acquired my nonpublic private information without any consent which constitutes identity theft. Its a violation of my privacy pursuant to the privacy act of XXXX. An unlawful transfer.
Product: Money transfer, virtual currency, or money service

BAM Trading Partners , Inc. dba Binance.US has locked my account for a chargeback for over 10 days now. I have filed 3 different tickets with their system. In each ticket I described that I can not deposit, withdraw money or tokens, or perform trades on the exchange. They requested that I submit a video with my ID and bank statement information which I did. 
Ticket numbers : XXXX, XXXX, and XXXX After 5 days a customer service rep reached out on one of my tickets ( XXXX ) to tell me that I needed to bring the balance on the account positive after the chargeback. I replied " I know, but you haven't enabled deposits on my account so how am I supposed to do that? '' She " escalated '' my issue but I haven't heard anything since despite reaching out again this morning. 

There is no telephone number and I have attempted to reach out to parties that are employees etc. on XXXX, including the @ binanceUShelp to no avail. Nobody bothers to respond there. 

I currently have more than {$50000.00} tied up on this exchange and no way to secure my assets at all. This is the worst customer service I have ever experienced from a financial institution.
Product: Debt collection

Identity Theft CAPITAL ONE AUTO FINANCE This account reporting on my credit report, is a result of identity theft. I have no recollection of authorizing an auto loan under my name. I do not have a vehicle with this lender or one at all for that matter. I would greatly appreciate if you thoroughly investigate this matter and abide by the fair credit reporting act and consumer law. 
I have filed an FTC report with the federal trade commission on XX/XX/2024 and mailed in dispute letters verifying my real identity. I requested proof of ownership of debt, and i have not received such results yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, someone fraudulently opened a credit card account with USAA in my name and started taking cash advances. I told USAA it was fraud but they didn't believe me and repeatedly told me I had to pay the balance. For months, I spoke to people at USAA who told me they would help but the bank made it impossible to reach anyone who actually had the power and desire to help me. I just kept getting told it wasn't fraud and I was responsible. Finally, on XX/XX/XXXX, I submitted claim XXXX with the CFPB. Two days later, I got a call from USAA 's office of the CEO and the next day they called back to tell me it wasn't fraud and they would delete all negative information from my credit report. On XX/XX/XXXX, I received a letter from USAA stating the account was a fraud and they would delete the credit inquiry from my report. On XX/XX/XXXX, I called XXXXXXXX XXXX XXXX XXXXXXXX from USAA 's office of the CEO to verify they would delete all of the information, not just the inquiry. She never called back. I tried her several more times and never got a response. On XX/XX/XXXX, I sent a letter to CFPB and USAA explaining that USAA has not done everything they were supposed to. On XX/XX/XXXX, I got a call from XXXX of the CEO 's office who said he would look into it. On XX/XX/XXXX, XXXX called again and told me USAA should've paid off the debt internally so they could report to the credit agency that the debt was settled but he didn't know why that didn't happen. He said it would be cleared by XX/XX/XXXX and my credit report would be updated by 45 days from then. On XX/XX/XXXX, I checked my credit report and the delinquent payment was still there and my score was still 200 points lower than it should have been. I called XXXX and got no call back. On XX/XX/XXXX, XXXX called and left me a message. I finally got in touch with her on XXXX. She said she would figure out what happened and get back to me. I left several voicemails for her over the following week and a half but got no replies. I sent new letters to USAA and CFPB on XX/XX/XXXX. On XX/XX/XXXX, XXXX from the CEO 's office called. He said he had to contact the credit department to find out what happened and would call me back by the end of the week ( XX/XX/XXXX ). I never heard back from him. I left voicemails for XXXX on XXXX, XXXX, XXXX, and XX/XX/XXXX. I got no responses. USAA continues to ignore their responsibilities and how much this issue is affecting me. My credit score is still approximately 200 points lower than it was prior to the fraud.
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FOR INACCURATE AND INCOMPLETE XXXX ACCOUNT
Product: Debt collection

I am writing to you with an overwhelming sense of urgency and frustration regarding the fraudulent and negative accounts that have surfaced on my credit report. It has come to my attention that my identity has been compromised, leading to the inclusion of unauthorized and erroneous information on my credit history. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests I must emphasize the severity of this situation. I am a victim of identity theft, and it is both disheartening and infuriating that my credit report, a document integral to my financial well-being, has been tainted with fraudulent accounts. This is a blatant violation of my privacy and an egregious error that demands immediate and aggressive attention. 

XXXX XXXX - FRAUD, PLEASE DELETE!!!!!! 
XXXXXXXX XXXX XXXXXXXX - FRAUD, PLEASE DELETE!!!!!! 

I can not stress enough the urgency of this matter. Identity theft is a serious crime, and the inclusion of these fraudulent accounts on my credit report has the potential to cause irreparable harm to my financial standing. Failure to address this issue immediately will leave me with no option but to escalate this matter to the highest authorities, including reporting your lack of swift action to regulatory bodies and seeking legal counsel. 

I expect your full cooperation and an aggressive resolution to this matter within 10 days of your receipt of this letter. I will not tolerate any further delays, excuses, or negligence in rectifying this grave injustice. 
Consider this letter a final warning before I take all necessary actions to protect my rights as a consumer and victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting. 

I am humbly requesting that XXXX XXXX XXXX  with a reported balance of {$3900.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account. 
It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit. 

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am exercising my right under the Fair Credit Reporting Act Under section XXXX XXXX Code XXXX - Permissible purposes of consumer reports Account name XXXX XXXX XXXX Account number- XXXX Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a con- sumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a sub- poena issued in connection with proceedings before a Federal grand jury. 
( XXXX ) In accordance with the written instruc- tions of the consumer to whom it relates. 
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in con- nection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an ac- count of, the consumer ; or ( B ) intends to use the information for em- ployment purposes ; or ( C ) intends to use the information in con- nection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in con- nection with a determination of the consum- ers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants fi- nancial responsibility or status ; or ( XXXX ) intends to use the information, as a po- tential investor or servicer, or current in- surer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit ob- ligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business trans- action that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. 
( G ) XXXX departments and agencies in connection with the issuance of government- sponsored individually-billed travel charge cards. 
( XXXX ) In response to a request by the head of a State or local child support enforcement agen- cy ( or a State or local government official au- thorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals case
Product: Money transfer, virtual currency, or money service

To whom it may concern I am writing to report a phishing incident that resulted in financial loss. I was targeted by a sophisticated scam involving our partial ownership in a property at XXXX XXXX XXXX, XXXX. 

Here 's a detailed summary of the incident : - On XX/XX/year>, I received an email from XXXX ( XXXX XXXX XXXX ) with the subject " XXXX XXXX XXXX '' proposing a limited-time offer for our vacation property. The email appeared legitimate, and we even called XXXX XXXX XXXX to confirm that third-party sales were possible. 
- The email was sent by XXXX XXXX ( XXXX, XXXX XXXX XXXX XXXX  ) from XXXX XXXX XXXX ( ( link unavailable ), # XXXX ). 
- We were asked to pay {$5800.00} for the XXXX government for closing the sale, which we sent via bank wire to XXXX, which they said was the XXXX governement bank account. I also provided my bank account number for the funds to be deposited. 
- However, the notary, XXXX XXXX, continued to request more money for alleged municipal tax, which raised our suspicions.

- We realized it was a scam and informed Chase which is our financial institution, but they said they couldn't recover or reverse the funds.

I have all relevant emails and documents should you need to review Please assist me in investigating this online fraud and taking appropriate action to prevent further incidents.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
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 inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

Feel this was illegal payday loan with illegal interest rates. 
Moreover, according to Section 16-17-7 of the XXXX  Code, any interstate financial corporations caught at payday lending operation in XXXX  will be immediately punished for it and their license suspended. This includes any out-of-state lenders and online tribal lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit report act XXXX XXXX  Account # 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 2 : It also states a consumer reporting agency can not furnish a account without my written instruction