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

I tried to purchase a car from a dealer, XXXX XXXX XXXX in XXXX XXXX Florida, they then ran my credit 8 times consecutively and told me I had to return a few days later before I could purchase a car. The subsequent credit checks caused my credit to drop 80 points from a XXXX to a XXXX they then referred me to a nearby credit union for " special '' financing. The rates were outrageous and they knew I had no choice because my current vehicle was beyond repair. I was then left with no choice but to pay an extremely high rate on a base model car.
Product: Debt collection

This inaccurate debt from MARS LLC is reporting on XXXX, XXXX  and XXXX  credit files. I have never requested credit or services from this creditor nor their affiliates. This debt does not belong to me. It reports that I co-signed but I never agreed to co-sign for anyone on any debt. I asked for the original contract bearing my legal signature along with copy of drivers license and Social Security card which should have been provided when the alleged debt was created. However, I got no response. None of this documentation was provided to me. The amount reporting owed is different with all three credit bureaus.
Product: Money transfer, virtual currency, or money service

Received a call that appeared as my bank. The person said they were with the banks fraud detection service and that they noticed a potentially fraudulent transfer via Zelle. They knew my name and last 2 digits to account number. Asked appropriate questions to verify who I was. Gave me a case number and told me I was being transferred to a Zelle representative. The Zelle representative walked me through steps to resolve the issue and stop payment, which actually triggered the payment from me to an unknown account. Phone numbers associated with the scam are XXXX ( XXXX ) XXXX and XXXX.
Product: Debt collection

I spoke with Commercial Acceptance Collections on XX/XX/2022 about a collection account that was opened. It should have never been opened. The account has been closed because I was insured with XXXX. The XXXX reached out to them XX/XX/2022 and faxed letter of eligibility to help mitigate payment and removed account from my collection. I called the debt collector the same day and was told that the account was closed and that it would be removed from the credit report. Today, XX/XX/2022, I called to ask why the collection account hasn't been removed after filing a dispute with the credit bureaus. An agent rudely tells me that the account will remain on the report because people who have XXXX are still considered debtors unless they pay in full/out of pocket. My next step was filing this dispute.
Product: Debt collection

Never received any communication from the company that they were trying to collect on a debt. Didnt have the opportunity to dispute before it went on my credit report. And to top it off the debt is not valid
Product: Debt or credit management

I filed a insurance claim with my auto insurance company and they sent me {$9400.00} to my atlas rewards credit card. I tried to purchase a vehicle yesterday and the restricted my account. I have asked them to close my account and transfer the money to my bank account and they froze my account and stopped responding.
Product: Mortgage

I have been making XXXX of my mortgage payment, plus additional money to be applied to the principal, every XXXX weeks. I have been doing this via the autopayment option on my mortgage. The concept of paying with greater frequency ( without making overpaymemnts ) to pay down your principal has been proven to remove years from the term ( almost 5 years from a 30 year term ). In my case, I am also making ( 1 ) extra payment annually towards the principal ( 26 half payments annually, plus some additional money that is supposed to go straight towards the principal amount. Chase, does not apply funds when received towards my mortgage. The first half of the payment, including the portion earmarked specifically for principal from Chase 's auto payment center, sits in the mortgage account not collecting interest as it might in bank account, and not being applied towards the mortgage until the second half of the monthly mortgage payment is received. Once both half payments are recieved, the payment is applied to the mortgage balance, and the principal overpayment is also applied. This seems like a deliberately misleading process. The point of making payments every 2 weeks is to pay the principal down when each payment is made. Additionally, Chase is not applying the " principal '' over-payment towards the mortgage at the time of receipt. So the process is not working AT ALL the way I wanted it to, and I feel cheated that Chase is not applying funds earmarked for principal when they are received. It is within Chase 's own auto payment center that indicates my principal overpayment amount for each payment, yet they dont apply the funds at time of receipt. 
Here is the concept as shown by XXXX XXXX XXXX XXXX/ In the digital era, are we asking too much from lenders to process each payment when it is recieved? I read that partial payments are not required to be applied until the entire mortgage amount is proivided, but the Chase website is misleading and no where is this infomration provided. The only way to know is to see the balances are not being applied. Also ear-marked funds " principal '' payments from their own system sitting for 2 weeks before being applied is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item on my reports since 2018, I have disputed the fact that I paid this card off and it was closed but not at my request. XXXX XXXX is falsely stating on my credit reports that I requested to close the account and that there's a balance still owed so the debt will remain there to severely damage my credit ratings.
Product: Debt collection

I noticed a large collection on my Credit report in XXXX of XXXX with Kimball Tirey St John Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : XXXX ). I had moved out and my XXXX, XXXX XXXX took over the lease back in XXXX. 
XXXX ). Adaptive XXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
XXXX ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on XXXX separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

Kimball Tirey St John Collection Agency and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus. But when Kimball and XXXX stated it is accurate, I quickly realized that they are goin against the court order and Federal law to try and collect money that is not owed to them. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt XXXX last time to se if Kimball and XXXX XXXX will remove this inaccurate mark.
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 requirement 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: Checking or savings account

For the second time in 2 months, Square has opened a fraudulent account in my name without my permission. Today I received a Square Business Debit card in my name at my home address that I did not request or apply for. The same thing happened last month. And it happened a 3rd time to my husband as well.
Product: Credit card or prepaid card

I am writing about Discover Card. I had automatic payments set up to pay the full statement balance. My XXXX statement balance of {$1100.00} was scheduled to be withdrawn from my bank account on XX/XX/XXXX. On XX/XX/XXXX, I logged into my Discover Card account and paid the full balance that was showing on my account at that time of {$2000.00}, paying my statement balance in full. On XX/XX/XXXX, the {$2000.00} was withdrawn from my bank account. In addition, Discover Card withdrew an additional {$500.00} from my account on the same day. I had not set up my account to withdraw {$500.00}. On XX/XX/XXXX, I called customer service and asked why they withdrew more than what I owed them. I was told by the customer service rep that charges of {$230.00} had cleared the account since I made the payment, and that triggered an " automatic payment '' of {$500.00}, leaving my account overpaid by {$260.00}. I was told they can not take out the exact amount due, they can only take out {$500.00}. I had not set up my account to pay {$500.00} -- especially when it was not due. But somehow my " automatic payment '' set up had been switched from " pay statement balance '' to " pay {$500.00}. '' It took this bank no time at all to take funds out of my account, but they told me it would take 7-10 days to refund the {$260.00} they owed me. How is this fair? When I asked them to refund what they owed me and close my account, they did not. Instead they issued a refund check for {$500.00}, and left the balance of {$230.00} owed on the credit card and kept the account open.
Product: Mortgage

4 months later, refinance still not finished. 

XX/XX/XXXX : Applied for and was approved for refinance from Amerisave ( NMLS # XXXX ) ; paid {$500.00} application fee. 
XX/XX/XXXX : All required documentation provided. 
XX/XX/XXXX - XX/XX/XXXX : Didn't hear anything from lender, no returns of calls/emails. 
XX/XX/XXXX : A processor reached out to ( ultimately ) set up a closing date of XXXX XXXX. 
XX/XX/XXXX : Closing appointment canceled with an hour 's notice given to me. XX/XX/XXXX : Closing appointment canceled without any notice given -- I had to call signing agent because I thought he was late and he told me the documents weren't ready. 
XX/XX/XXXX : Wired {$3400.00} to XXXX XXXX for closing costs. 
XX/XX/XXXX : Closing appointment was canceled with an hour 's notice given to me. 
XX/XX/XXXX : Lender requested a second hard pull of credit, more documents, The entire time I've had to intermittently provide updated pay stubs, bank statements, and other documentation, which has been extremely inconvenient and wouldn't have to happen if the lender had their affairs in order. Between the application fee and the closing costs, the lender has {$3900.00} of my money. 

I've done two other refinances and they were both simple and fast. This has been completely unacceptable.
Product: Credit card

I have submitted this matter last month, but I realized I had more proper transaction history of Chase. And I found out another claim record submitted by the doctor in question toward XXXX. 
Dear sir, I would like you to investigate the following issue regarding my treatment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had made an appointment with this office by phone following the advice of my friend, because of the XXXX XXXX issue. I went to the office on the date on XXXX XXXX XXXX, and probably I met XXXX XXXX XXXX because of the gender, female. I only met one doctor and received some instruction regarding XXXX XXXX XXXX XXXX. I had the regular XXXX  tests twice using two different devises in two separate rooms with assistants. At the record of XXXX, which was used to be our family insurance until this XXXX, I made the visits to two doctors, XXXX XXXX and XXXX XXXX XXXX. I am not sure who was XXXX XXXX, since I only met female doctor, assistants, and office ladies. The records of XXXX say that XXXX XXXX has claimed office visit and charged {$200.00}, even though I met a female doctor. And they say I had these tests ; XXXX XXXX  examination ( {$65.00} ), XXXX  test ( {$63.00} ), and comprehensive XXXX  ( {$130.00} ). And today, I found out this XXXX XXXX refiled and denied the same claim to XXXX. I paid my visit in-person on that day. I enclose the record of Chase transaction with a closed credit card ending XXXX by illegal transactions at several merchants. Later, I received two bills from XXXX XXXX stated on XX/XX/ ; even though the contents of the bills were same. I attach the copy of one of these bills. Since I was at loss and my husband mentioned to pay at that time, I paid by that same closed credit card ending XXXX. I attach the statement of Chase bank with this letter. In short, I paid {$35.00} twice for one visit to one medical office. I insist the payment processed on XX/XX/XXXX is a fraud. 

Sincerely,
Product: Credit card

I applied for Quick Silver credit card 3 months ago with promotion about getting {$200.00} cash bonus after spending {$500.00}. 
But after 3 months, Capital One refused to honor this promotion and said it's not on my account. 
At this moment, I still see the same promotion on their website. 
Absolutely disgusting company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 
a creditor may not treat payment on a credit card account under an open and consumer credit plan as late for any purpose.
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. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX Account # 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: 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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and informaation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter in reference to incorrect personal information in my credit profile that has never been associated with me, yet they still are reporting this information. I attached my driver 's license as proof. 


This is the only personal information that should be on my report. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX New Jersey XXXX It is unlawful to report information on a consumer report.
Product: Mortgage

Our account had been sold to Select Portfolio Servicing, and after a single thirty day late payment. They have begun an aggressive and at times abusive campaign to seize our property. They have been offering us {$10000.00} to vacate our property. We have been receiving written harassing correspondence on a daily basis, as well as constant daily phone calls. Our original mortgage was a conventional fixed, and now they are claiming that it will be Adjusted every 5 years. This was not what we had signed up for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Form XXXX ( Cancellation of Debt ) Dear CITICARDS CBNA, I am writing to request that you issue a Form 1099-C ( Cancellation of Debt ) for the debt that was canceled in my account XXXX with your institution. As required by IRS regulations, I understand that you must report any canceled debt of {$600.00} or more, and I want to ensure that this is accurately reflected for my tax reporting. 

As reported in my credit reports, the canceled debt relates to the amount of {$5400.00} and was discharged on XXXX. Please send the 1099-C to my address listed above or provide instructions if there are any further steps required to receive the form. 

If you need any additional information, please do not hesitate to contact me. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

I am writing to file a formal complaint regarding XXXX XXXX XXXX XXXX ( Rushmore XXXX ) and their refusal to provide access to a recorded conversation that occurred on XXXX XXXX, 2024. This recording is critical to an ongoing legal matter involving an investor who was attempting to purchase my home during a pending foreclosure process. 

On the mentioned date, I participated in a phone call with a Rushmore XXXX representative, an investor, and the investors realtor. During this call, I provided Rushmore XXXX  with a one-time verbal authorization to speak with the investor and their realtor. This authorization was given under the belief that the investor needed a recent payoff quote to finalize the purchase of my property. Instead, the investor and their realtor misrepresented their intent and used the opportunity to request an extension of the foreclosure sale date scheduled for XX/XX/year>2024. 

When I realized that no payoff quote was being requested and that the investor had no intention of closing the purchase as agreed, I ended the call abruptly. Subsequently, the investor filed a lawsuit against me for Breach of Contract, along with a memorandum and a Lis pendens in Superior Court, effectively blocking the sale of my property to another buyer and placing me at risk of foreclosure again. 

To support my defense in this legal matter, starting in XX/XX/year>2024, I have made multiple requests to Rushmore XXXX for a copy of the recording of this call, as it demonstrates the investor 's lack of intent to finalize the sale and their misrepresentation during the conversation. However, Rushmore has refused to provide the recording, citing reasons such as it being burdensome to retrieve and their need to protect my privacydespite this being my own transaction and authorization. 

The refusal to provide this critical evidence, coupled with Rushmores actions during the foreclosure process, has caused significant financial and emotional distress. Additionally, it raises concerns regarding transparency, accountability, and fairness in their handling of this matter.
Product: Debt collection

Bank of America contacted my place of employment, my boss identified it as my place of employment, and then they asked for other contact number within my company to call me which my boss refused.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection for XXXX XXXX XXXX partial account number XXXX - in the amount of {$2600.00}. ( Please see page 51 of the attached credit report. ) If I had lived at XXXX XXXX XXXX   it was well over 12 years ago and reporting this item is a violation of the Fair Credit Reporting Act. I never, in the past or the present, received any documentation that this debt was owed by me or an itemization of what this debt consists of. This incorrect reporting by Experian recently appeared on my credit report. XXXX and XXXX   are reporting correctly. This incorrect reporting of a collection is keeping me from obtaining a new residence and is also harming my credit score. I have contacted Experian to have this line item removed from my credit report but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times with the credit bureaus asking for method of how they claimed to have verified these accounts for they are not mine. However all I can ever seem to get from the credit bureaus is what appears as a template letter just saying was verified. 
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ACCOUNTS : 1. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX