23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the conduct of [ Name of Credit Reporting Agency ] under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ) and 1681i ( a ) of Title 15 of the United States Code. On XX/XX/year>, I sent a letter disputing unauthorized inquiries on my credit report and included a copy of my identification as requested. Despite this submission, I received a response asserting disbelief in the receipt of my dispute or claiming inability to identify me. This refusal to acknowledge receipt and properly handle my dispute violates the FCRA 's requirements for accurate identification of consumers and prompt investigation of disputes. I request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

On XXXX XXXX I was concerned because my credit score was dropping. An alert from PayPal saying someone using my name to purchase gift cards in totals of over {$1300.00}. dollars. I called and spoke with XXXX whom I was led to believe represents this company PayPal, he said he had to cancel out charges and needed me to install an app. I truly believed he was who he said he was so I feel as though I was coerced to give him more information, he asked for a copy of my license, debit card information, another credit card. While speaking with him an alert from my bank scammer with drew {$300.00} from my checking account. I'm a XXXX female and this has happened to me 3xs now I don't know what is real or fake unacceptable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is committing securities fraud and identity theft against me. 
15 USC 1692g states I am the creditor not XXXX XXXX. 

15 USC 1666 ( d ) Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello After reviewing my credit report, There is alot of inaccurate information reporting on my credit profile. I have reach out to creditor as well as the 3 Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mine. I'm a victim of identify theft as well as XXXX. I also reached out to credit Bureaus 2 months ago almost with no resppnse. I'm asking for those itens to be removed that does not belong to me. 

See Attachment. Thank you
Product: Debt collection

Medical Business Bureau XXXX XXXX XXXX XXXX XXXX, IL XXXX To : The XXXX XXXX XXXX XXXX for Medical Business Bureau From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of XXXX CRF XXXX, Title XXXX USC XXXX, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX
Product: Credit card

On XXXX XXXX I made a payment of {$400.00} because I was informed by Chase that I owed on my credit card in excess of {$400.00}, but my actual spending average was {$270.00}. I only spent XXXX for the month of XXXX. In XXXX I made a payment of {$300.00} when my total spending was XXXX. The amount I charged on my credit card is less than what the company says I owe. Chase is charging me more than I owe! Interest charges should be made evident for the month, not hidden!
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume 30 days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted. The information I am disputing is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Mortgage

On XX/XX/XXXX I sent an email explaining that I was frustrated because I had tried ( XXXX ) checking accounts, ( XXXX ) savings account and a bill pay through the local grocery store and every time my money would be removed from my bank account for about 3-5 days before being returned. 
At that point the last payment they processed was for XXXX and I needed to pay both XXXX and XXXX and at that exact moment I had all of XXXX and half of XXXX to give them due to an unexpected car expense. 
I got an automated response to my inbox on their website telling me the name and extension of the person assigned to my account to call. I called, got a regular representative who told me she couldnt help me/take my payment and transferred me to the voicemail of my assigned person. 
I never received a call back. 

I forwarded my original email with an update on no follow up on their part again on XX/XX/19, after making multiple calls to their number and never being able to reach my assigned person. 

They once again sent me a message on their website with a new person to contact. I called again, and the regular CS agent let me know they couldnt help me and again forwarded me to the right persons VM. 

I waited a couple of days and still nothing. 

My last time calling, I was on hold for over an hour before reaching a person who told me that no one in that department works that late but she would try to find someone for me to talk to. I was on hold for about 10 mins before she returned, told me she found someone to transfer me to, where I then sat for approximately 20 mins while the line went between ringing and hold music, before sending me to a VM. 

As of today : No one from BSI has reached out of me aside from the automatic messages sent through their website, I have not been able to pay my XXXX, XXXX, XXXX or XXXX mortgage payments and am starting to get harassing texts and calls about people wanting to buy my house before it goes into foreclosure.
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 violates 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 to appropriate redress for these violations.
Product: Student loan

Since entering repayment status, I have paid all of my student loans on time. Repayment started in XX/XX/2023. I made that payment. Due to errors with Mohela they sent out communication stating that they are not requiring that I pay XXXX or XXXX. I have documentation directly from them pertaining to this. My next payment resumed XXXX to present day in which all have been paid in their entirety. Despite numerous attempts to rectify this matter, the situation remains unresolved. I have diligently fulfilled my responsibility by making timely payments towards my student loan account. However, it has come to my attention that there has been an error in the reporting of my payment status, resulting in it being marked as past due. This is concerning as it may adversely impact my credit score and financial standing. I have made several calls to their customer service department and have spoken with representatives who assured me that they would investigate and correct the issue promptly. Regrettably, despite these assurances, the problem persists, and I have yet to see any improvement in the status of my account. Given the gravity of this situation and its potential consequences, I kindly request your immediate attention to this matter. They continue to send automate responses and assure me someone is looking into the error with no end in sight.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft an account showed on my consumer report from a company I never did business with the company name is called XXXX XXXX XXXX I am letting it be known this is identity theft and that four business days after receiving your request, the credit reporting company must block that information from your credit report. In addition, they must tell the companies that provided the information that someone stole your identity. Once notified, creditors cant turn identity theft-related debts over to debt collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - I was notified that my loan was transferred from XXXX XXXX resolutions to Select Portfolio Servicing ( XXXX ), Inc. I contacted XXXX  mid XXXX to inquire how I go about making payments to them. They stated I can call every month and phone in a payment. 
XX/XX/XXXX I called XXXX and made a payment in the amount of {$130.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - I called XXXX and made another payment in the amount of {$150.00} towards the loan amount. I have documentation from my banking institution that this payment was drafted out of my account. 
XX/XX/XXXX - my credit report reported that XXXX had charged off my account and it reflected that I was past due {$270.00} on my account. This was not a true reflection since I had made three payments to them. 
XX/XX/XXXX - I immediately called XXXX and filed a dispute with their advocacy dept. I informed them that they had not reported to the 3 credit agencies my payments. They stated it would take 30 days to resolve. I am a patient person, but if they made the error from the beginning, I feel XXXX can see my payment history and update accordingly. 
XX/XX/XXXX - I took the proactive approach and filed 3 disputes, each with the 3 credit agencies. XXXX XXXX # XXXX, XXXX dispute # XXXX and XXXX XXXX # XXXX. I wrote letters to each credit agencies, I faxed all my supporting documentation, I also mail certified my disputes. I felt it was best to reach them all ways possible. 
XX/XX/XXXX - XXXX sent me a letter informing me it will take 30 days to review, research and get back to me. Time is of the essence here since I am working on other financial matters that require my credit score to be in tact. 
XX/XX/XXXX - I called XXXX to see if they can expedite this for me. I spoke to XXXX XXXX who transferred me to XXXX. Their response was that I should hear back no later than XX/XX/XXXX. 
XX/XX/XXXX - I filed a compliant with the Dept. Of Financial Institutions. I feel this should have never happened. I paid, they failed to report. Now here I am, trying hard, from all angles to get this resolved in a more timely fashion. 
I have all supporting documentation to support these statements. I have letters i wrote, copies of my emails, copies of credit report, copies of my banking statements reflecting that XXXX received money and they did not report that I did so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX , AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX , AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX , AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Should have also been removed from my report.
Product: Checking or savings account

My complaint is about Capital One opening the Money Market Account and getting the Bonus.

The details are : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX  ET on XX/XX/XXXX, and XXXX XXXX. ET on XX/XX/XXXX, XXXX and entering the promotion code " OFFER500 '', then Capital One will deposit the {$500.00} bonus money into my account within 60 days after completing the above conditions. 

At the beginning of XX/XX/XXXX, I contacted the bank for the {$500.00} bonus which should be paid by the end of XXXX and the manager told me I am not qualified for their promotion.

His reason is the total new money deposited into my MMA is less than {$50000.00} and I have a saving account with their bank before. 

My answers to their concern are : 1. According to their requirement, the cumulative deposits should work on the similar bonuses, and my total deposited amounts are more than {$50000.00}. Meanwhile, the cumulative deposits are always working for Capital one other promotions and for their other clients. 

2. The saving account I have was opened in XXXX with XXXX. After 10 years later, it was transferred into Capital One due to the business changes. I do not open any saving accounts with Capital One directly before. 

Based on all the facts I presented, I think I am qualified for their requirements, and they should deposit {$500.00} into my MMA immediately.
Product: Checking or savings account

XXXX, Bank Of America, XXXX XXXX have all closed/or denied me of opening accounts because of suspicious activity I have nothing to do with. Id like to open a bank account all banks are saying the same thing.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNVFUNDG. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern May I please request your assistance with a hard inquiry showing on all three of my personal credit reports. credit reports I have personally tried to no avail to dispute this hard inquiry. My credit report clearly shows in my personal statement that I have been a victim of identity theft and to contact me personally before attempting to pull my credit report. I also have a freeze associated with all three reports. I have in earnest attempted to contact the originator of the hard inquiry only to be denied the removal of such. The company in question is : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX noted for real estate on behalf of XXXX, XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX. 
I never initiated this hard inquiry.
Product: Vehicle loan or lease

1. In XXXX of XXXX my husband and I purchased a new XXXX XXXX XXXX and put it in joint names. We financed it through Kia Finance because they were offering a 0 % rate. 

2. In XXXX of XXXX my husband died. There was no will or estate opened 3. In XXXX of XXXX I moved from XXXX XXXX to XXXX. 

4. In XXXX of XXXX I began work on obtaining an XXXX  title in my name. I contacted KIA customer service and the deceased accounts division, sending deceased accounts a death certificate and a title transfer request from the XXXX XXXX XXXX  clerk of courts. The transfer request asked KIA finance to send the clerk of courts ( a ) letter stating that the title could be transferred into my sole name and ( b ) the XXXX XXXX title. I was told by " XXXX '' on XXXX XXXX that they had everything that was needed. 

5. In XX/XX/XXXX I submitted the request again by certified mail. After numerous follow up calls the title was finally sent to the clerk of courts on XXXX and then at my request a copy of the letter authorizing the transfer was faxed. However, the clerk of courts told me an original was needed. 

6. On XXXX I called KIA finance and asked that the letter authorizing the transfer be sent. I was told it would be, but it was not. 

7. Today I was told many different, conflicting things. The bottom line is that a letter will not be sent until I contact deceased accounts, which is where I started last XXXX. Customer service said they had no way of contacting alone else within Kia Finance and that it would take them 3 days to get a response from deceased accounts. Unfortunately the clerk of courts will send the title back to Kia Finance if they don't receive the letter by the end of next week.

All bills have come to me and every one has been paid on time. I can not fathom why I am having so much trouble unless Kia Finance is trying to get an elderly widow to pay off the loan because of the 0 % rate.
Product: Checking or savings account

Square Cash ( XXXX XXXX XXXXXXXX ) has disabled me from using my account and has also deactivated the account as well with my funds. I tried to make a transfer using a debit card, in three failed attempts the account need identity verification. After attempting to prove my identification I was denied access to transfer funds off of the account nor spend the amount of funds on the account. Then Square wanted me to prove documents that my business existed in order for them to proceed with the account verification. I tried explaining to everyone on the phone what was happening and they denied my request of telling me reasons behind the disclosure of my account. The customer service was no help and my account should have never been closed.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and inquiries on my Equifax credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent
Product: Mortgage

I purchased this home in XXXX, the loans I obtained were predatory loans. My 2 loans XX/XX/XXXX were " sold '' separately. After much struggles, I was able to modify my first mortgage in XXXX but due to many due to many factors, including my health, and a serious case of XXXX XXXXXXXX, loss of income, etc. I defaulted in that mortgage. 
Prior to the sale of the mortgages, I filed bankruptcy while trying to save my home and all collections stopped. Specialized Loan Servicing ( SLS ), who is the servicer for my 2d mortgage has been dormant on and off for a long time. 

Since I was not able to workout a new modification with my first mortgage, I was working on a Deed In Lieu of foreclosure. My second mortgage agreed to settle for {$3000.00}. Unfortunately, my first mortgage did not move through with the process and the Deed in lieu was cancelled. They did not contact me after that. 

Even though I still had not been able to workout anything with my first mortgage, I contacted SLS for a modification or assistance at the end of XXXX, but they denied me any type of modification and only approved me for a short sale. 

Again, after that, they were dormant for a long time, but and suddenly around XXXX this year, they sent me a letter, stating that my loan was due in full on XX/XX/XXXX. 

At this time, my situation has not changed. My first mortgage has an active foreclosure process. 

I don't have the financial means to pay this predatory loan. 
I sent them a letter and offered them the same {$3000.00} that they had accepted before in order to settle this account. 

I explained to them that at this time, I have an active foreclosure process with my first mortgage and they sent me an email with a letter saying that that they will not take less that {$45000.00} paid in full before XX/XX/XXXX.