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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX Balance Owed : {$70.00}, XXXX XXXX Balance Owed : {$680.00}, XXXX XXXX XXXX XXXX Owed : {$1600.00}, XXXX XXXX Balance Owed : {$220.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Consumer Loan

I in good faith, purchased via installment loan an Acer E15 laptop from Speedy Cash ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) on XXXX XXXX, 2015 @ XXXX. 
I realized later that day that I 'd be horribly in debt trying to pay for it. I called Speedy cash the following Monday, XX/XX/2015 and spoke with XXXX and explained everything to her. XXXX misstated she was the manager and that she would call me back. I received no call from XXXX and called Speedy Cash on Friday XX/XX/2015 and XXXX told me her supervisor needed more information and she 'd call me back. I received no call from XXXX and called her on XX/XX/2015 and was told she 'd be in the following day. I called XX/XX/2015 and XXXX advised me she 'd spoken with her Manager ( XXXX ), which was alarming because XXXX had initially told me she was the manager when we first spoke, and had been informed that the laptop could not be returned. 

I called the district manager, XXXX XXXX ; XXXX and explained my situation. She told me that there 's nothing she can do. I asked for corporate 's number and she replied " There 's no way at ANY level that you can resolve this XXXX XXXX XXXX! '' in a very rude and unprofessional manner. 
I 'm at my wits end. I 'm a XXXX XXXX ( XXXX ) and I 'm permanently XXXX on fixed income. I 'm only asking that Speedy Cash let me return the laptop, so I am not forced into debt. 

Respectfully, XXXX XXXX
Product: Vehicle loan or lease

Bank of America offered me an auto loan at 2.75 % interest since I am a Preferred Rewards customer. A pre-approval letter was provided after they checked my credit. However the letter stated New Vehicle instead of Used, and they never corrected it. When the first auto deal fell through, and we decided to get a different vehicle from the dealer for a higher amount, the Bank asked for 8 % interest. No explanation was given, and no further phone calls returned. We ended up getting the loan from our credit union instead at 2.74 % interest. This is not the first time we have had issues with Bank of America when it comes to lending. They do a very sloppy job, and don't hold their loan officers accountable for such misconduct.
Product: Mortgage

I left my home because of a job transfer in XXXX. I attempted to sale my home ( Loan # XXXX ) in XXXX but CitiMortgage took so long to approved it, the buyer pulled out. During that time the housing market started to deteriorated and I found myself upside down on my loan. I could not afford to pay for XXXX homes and I defaulted on my loan with CitiMortgage. I attempted a deed in lieu of foreclosure, but CitiMortgage denied it, alleging the title was not clear due to an erroneous entry for the satisfaction of a second mortgage by the previous owner. CitiMortgage have continued to charge fees on this loan for the past 7 1/2 years to the point the fees owed are more than the actual mortgage balance. I was notified twice by CitiMortgage the property would be foreclose on, but never did. Today, XXXX/XXXX/XXXX, I spoke with XXXX XXXX XXXX and I requested another deed in lieu of foreclosure, but she told me because is an active foreclosure, no date set for auction, they could not do it. She said I could try a short sale. CitiMortgage never offer me any other help or recommended any solutions this situation. 
CitiMortgage continues to force me to carry this bad debt and I have not been able to purchase another home for my family.
Product: Credit reporting or other personal consumer reports

Navy Federal credit Union has caused significant risk to the privacy of my highly sensitive personal and financial information and has caused harm to me emotionally, reputation, physical and economic damage to me didn't give authorization for them to share my credit card information or my inquiries nor do I want to have my information shared with any reporting agencies including all inquiries removed immediately I didn't give permissable purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX Account number : # # # # # 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 ) ( 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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: 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 venerable and unprotected. Furthermore, their dispute resolution report 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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I have been banking with chime for over ten years, and their treatment of me the last three  days has been at best reprehensible and most likely criminal. 

Friday XX/XX/XXXX at XXXX eastern standard time I placed an order with with XXXX . The amount of the debit hold was {$320.00}. That transaction was canceled by the merchant less than 10 minutes later. I resolved the issue immediately and completed my order this time for about XXXX dollars. That transaction was processed and settled without issue. 

Normally in a situation like this its not an issue, generally those funds are returned to me rather quickly so I thought nothing of it. Monday evening came and went with my money still not returned to me. 

Tuesday I reached out to chime to ask them what the hold up is. They first told me 3-5 days. Then they told me that XXXX hasnt released the hold. So of course I reached out to XXXX who told me in writing that they released the hold I then reached out to chime again, and was transferred around to no less than 15 people over the course of XXXX  hours. None of them did anything. 

Now were into Thursday and another entire day of me being lied to and gaslighted. 

We are more well into Friday and chime refuses to return the money they stole from me. This needs to be resolved and never allowed to happen again.
Product: Credit card or prepaid card

Called Capital One after Hurricane Florence because my house had been damaged severely asking for a reduction in payments and was told they couldnt help. I can not make the minimum payment of $ 260+ since Im still trying to recover from the hurricane and they have closed my account after trying to make a payment and returned the payment after accepting it.
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 for 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 XXXX XXXX XXXX, AL XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2020 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$12000.00}.
Product: Credit reporting or other personal consumer reports

( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 46 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Product: Debt collection

I continue to receive collection calls from Chase ; even though account is current : Pay due on account XXXX of month ; after XXXX of month acct is past due ; I received at least XXXX collection calls between XXXX ; when I questioned caller ( s ) why I was receiving collection calls ( each time caller advised this is attempt to collect a debt ) I was advised they were courtesy call : I advised I felt that I was being harassed ; and further that I was going to call the " Consumer Protection Agency '' to ask if it was legal for them to continue to call me about account which was in " current status '' : I was previously assigned an account assistant by Chase ; XXXX XXXX XXXX XXXX however, she never contact me ; msg left by me to her were never answered : My Mother is now deceased her income ( {$2000.00} per month ) was considered in terms of mortgage ; my retirement income is {$2300.00} per month : Chase mortgage payment is now approx. {$950.00} per month : The acct is now current ; please do not continue the harassment : Thank you : Signed :
Product: Credit reporting, credit repair services, or other personal consumer reports

from : XXXX XXXX XXXX The XXXX website is not currently available at your location. Visit www.consumer.ftc.gov/articles/0155-free-credit-reports or www.consumerfinance.gov/learnmore/ to learn how you  can request your free U.S. credit report by mail. 

I am a USA citizen. Why can't I see my credit report on line?
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 Experian 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 Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Payday loan, title loan, or personal loan

I explained to several representatives and agreed upon paying {$82.00} vs {$380.00} every two weeks. When I greed to this it was via chat and they did not stress to me that the normal payment as well as the agreed upon reduced payment was due. 

They have me trapped, and I asked to have the loan or line of credit terminated and to reach an amicable affordable every XXXX weeks payment. They will not work with me and have overdrawn my checking account twice and disregarded my instructions and request. 

I am willing to be an adult and reach a mutual agreement but they have me caught and continue to say there is nothing they can do. Trapped and no relief or mutually agreed upon terms will be passed on to me to work with them.
Product: Mortgage

My mortgage was issued in 2005 with XXXX  XXXX XXXX and subsequently sold to M & T Bank.

M & T Bank has been servicing my mortgage for over 5 years. This past XXXX M & T Bank force placed their Insurance on property as a result of them stating H06 Insurance was always required. 

Year over year the bank has requested my Master policy, been provided my Home Owners Association and have never requested a H06 Policy. 

As a result, my mortgage increased by over {$400.00}. I contacted M & T bank to file a complaint where a rep called me back once, I responded to her call multiple times by telephone with no call back from her. Weeks later I was sent my original mortgage documents with a clause highlighting that if my mortgage is sold to another company, I must comply by their rules. Which they were enforcing over five years later. 

As a result of M & Ts action of neither requesting or enforcing their H06 policy rule when they purchased my mortgage, the insurance I was offered through an Insurance company was almost as high as the Insurance Im paying M & T Bank. This is due in part to having no prior Insurance and an owner for over 10 years. In addition M & T Bank has collected {$1000.00} dollars from me over a 2 month course on a mortgage balance of Less than Ninety Five Thousand Dollars.

These practices are unfair customer treatment and I feel they should be reprimanded for their actions. 

I most definitely will be joining the class action lawsuit regarding this Insurance matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX  regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from XXXX, Transunion, and XXXX.
Product: Credit reporting or other personal consumer reports

I respectfully contest any inaccurate or undocumented information in my credit report. Unproven claims are unacceptable, and I demand factual evidence. Report allegations accurately and in compliance with the law.
Product: Payday loan

I received a phone call from the company and was given an ultimatum to pay or be sued. I tried to call back to set up a payment plan to payoff the debt, but all my attempts have failed.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding identity theft that I believe has occurred with my Apple Card, issued by GS Bank USA. Below are the specific details of my case : Issue Description : I believe that I am a victim of identity theft, which has resulted in unauthorized transactions and discrepancies on my Apple Card account. Despite my efforts to address this issue with the issuer, I have not received a satisfactory resolution. 

Discrepancies Noted : I have identified several late payments on my account that I did not authorize or recognize : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments have adversely affected my credit score and financial standing. I have never missed a payment on any of my credit accounts and have always maintained a diligent payment history.

Action Requested : I request the following actions to be taken by the CFPB to resolve this matter : Investigate the identity theft claim and unauthorized transactions on my Apple Card account. 

Remove the reported late payments from my credit history.

Assist in rectifying any negative impact on my credit score caused by this fraudulent activity.

Ensure that GS Bank USA implements stronger security measures to prevent such incidents in the future.
Product: Credit card or prepaid card

my card has been in use for 16 years. used for business and personal transactions. account was closed with a letter sent to my home on XX/XX/2022 with no discussion with any one in the company. flawless credit history for over 16 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..I disputed the accounts with the credit bureaus for months but they did not take any steps to remove the accounts..CFPB Please step up and delete the accounts UNKNOWN XXXX, XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

1. I have a Square debit card ending in XXXX for XXXX XXXX XXXX, XXXX. 

2. I frequently use the card to purchase transportation from XXXX. 

3. On today, multiple authorizations were declined when I tried to use my card with XXXX. 

4. I only received a notification regarding one of the transactions ; not for the others. This is a problem because I should receive a notification for every decline. 

5. The email stated the decline was due to suspected fraud. 

6. There was no fraud because I did, in fact, authorize the transaction and Square should be able to see that I very frequently do business with this merchant without any dispute. 

7. I called customer service and spoke with XXXX with the misnomer " Square Customer Success. '' 8. I explained that multiple transactions were declined with XXXX  on the debit card ; that I did in fact authorize the transactions, that I was provided no option to validate and re-try the transactions, and that I am concerned about there being problems with my account due to the ( erroneous ) status of suspected fraud. 

9. She could only locate one of the transactions for {$21.00} but not the others that were declined. That is a problem because Square should have a record of all transactions. 

10. After " pinging '' the misnomer " My Advanced Support '', and lengthy holds, she provided no information about why was suspected fraud, provided no option to verify or allow the transactions, and provided no option to return the account to a secure, non-suspected fraud status, causing me to remain concerned that my account could be closed or frozen for no reason at all. Also, she said my only option is to use another card going forward. 

11. I asked for a supervisor and she said supervisors could not come on the line but could only call back. She failed to set up the call back. 

12. She provided an email summarizing the call, per my request. 

13. I said that the call back was unacceptable and I would stay on the line. She hung up on me. 

14. Before being transferred to the agent, I was promised a survey at the end of the call. There was no phone survey after she disconnected. 

15. There was a text message survey. I was not expecting a text survey and am unclear if that is what had been referenced by the automated system prior to transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX XXXX agreed to delete the tradeline with the credit bureau. As of XX/XX/XXXX, this has not been removed from my XXXX and Experian credit reports. I have attached the response received from XXXX when I filed a compliant in XXXX. Please complete the request of removing this from my credit report.
Product: Vehicle loan or lease

On XX/XX/XXXX our car was repossessed. The lender on XX/XX/XXXX sent a notice of default and right to cure. On that notice it had a repossession date of XX/XX/XXXX ( 15 days later ). They did not give us a full 20 days to cure and repossessed our vehicle. I called bridgecrest ( recording the call ) I asked what notices had been sent, when they were sent exact dates, and i asked how the notices were sent. She said email and text communications and phone calls. I asked if anything was sent by mail on the account such as notices she said no. She said the only notice sent out was in may. I made a complaint to XXXX When Bridecrest responded to that complaint they claimed they sent a notice and right to cure in XX/XX/XXXX by mail ( false ). I called bridgecrest XX/XX/XXXX and they said they was another notice in XXXX. So they lied and added information to my account i believe to match their story. ( i also recorded that call ). Even with their claim of sending a notice by mail it still against the law to not give me 20 days to cure after the notice. They only sent one notice prior they claim, that would only make this notice the second one therefore i have a right to 20 days. Tho i have proof they did not send a notice in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts after attempts to get   XXXX   XXXX   and    XXXX   XXXX   XXXX   off my credit report. It make no sense I have sent proof and as a consumer my rights is taken away ... these buresu s should be ashamed for letting a company do this ... i have been challenged these inaccuracies for months even after I sent in proof nothing has happen.How can a person send in proof and they so nothing to an account..sad is what these companies is.Two companies can not collect on the same debt and I have sent proof many times.