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

I spoke with representatives at each of the bureaus to advise I have been a victim of identity theft as well as exposed to the XX/XX/XXXX data breach and wanted to unauthorized accounts and inquiries that were placed on my report as impermissible use to be deleted. I was told to mail or fax in FTC report along with a notarized affidavit for the account and inquiries in question that were fraud and they have failed to comply with the law. I never authorized anyone to pull my credit nor did I give anyone permission to report any information to my credit profile without my written consent, this is a clear violation of my rights under 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person. This makes me feel like the bureaus don't have to follow the law and its causing me too much stress when I'm the one who is suffering as a victim. Its 45 days
Product: Debt collection

CFPB THIS IS NOT A DUPLCATE ACCOUNT. THIS IS ACCT NUMBER 3 UNDER THE SAME AGENCY. I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX  CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED BR BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX  CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR BR OFFICE. THIS CONSTITUTES BR FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH, THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH BR DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION. 

WHO SO IRONIC IT APPEARS XXXX XXXX XXXX LOCATED IN XXXX XXXX  GRADUATED FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALSO GRADUATED FOR THE UNIVERSITY XXXX XXXX  XXXX XXXX. THIS IS NOT IRONIC. CAN YOU SAY POSSIBLE THEFT, THE XXXX  XXXX TRUSTEE IS THE ATTACHED TO THIS MESS, YES THE MONEY WA STOLEN.
Product: Debt collection

I have been repeatedly contacted by USCB America for medical debt. In 2021, I suffered from a XXXX XXXX XXXX and was misinformed about my insurance coverage as it was an emergency situation. Eventually USBC America kept calling me repeatedly since 2021 and onward. I am trying my best but I am a college student with little income
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank is REFUSING TO REQUEST OF THE THREE CREDIT REPORTING AGENCIES, REMOVAL OF CLOSED CREDIT CARD ACCOUNTS THAT HAVE BEEN CLOSED SINCE 2016, AND ARE NOT GOING TO BE RE-OPENED! 

If a bank can report information about a credit card account TO the CRA 's, they should be able to REQUEST REMOVAL OF OUT-DATED AND CLOSED CREDIT CARD ACCOUNT INFORMATION TO THE SAME SOURCES!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to XXXX XXXX XXXX for allowing the fraudulent account on my credit report. I filed an FTC report with the report number XXXX. As I checked my credit report this is one of fraudulent accounts reflecting on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment and violation under FCRA policy.
Product: Credit card or prepaid card

Got charged interest on a zero percent interest fee. The fee itself was included in the zero percent initial rate. Then after full payment of the charge initial credit request I was charged interest for the fee even though it was wrapped within the 0 %. None of this was communicated to me. Upon followup I notified the bank this was unacceptable they proceeded to hang up on me.
Product: Checking or savings account

My ppp loan was deposited into my capital one 360 checking account XX/XX/2021, I was able to use some of the funds before they locked my account saying i was using my funds wrong when I was using it how i was told i can use it by my lender its been almost 2 months since my funds been locked with no communication what so ever from capital one i Have submitted enough proof my loan has even been forgiven now by lender, Capital one is asking for more information then i had to provide my lender for my loan that was legally obtained for my business, I will be contacting a attorney
Product: Debt collection

On XX/XX/2020, the Director of my employer asked to see me. When I went to her office, she handed me two pages that informed me that my wages will be garnished on XX/XX/2020. The Continuing of Garnishment was from Strenger & Strenger regarding a judgment against me for a XX/XX/XXXX XXXX credit card debt in the amount of $XX/XX/XXXX.The address on the summons for me is an old address where I was residing in a private safe home. The day I initially met with the Director, I informed that this amount would cause me great hardship if taken out of one paycheck. I later sent the Director an email regarding Georgia 's law pertaining to income garnishment limits. I was then mailed the entire summons and learned this information was included in the summons. On XX/XX/2020 my Director asked to see me again and stated she drew up a draft of the payments that would be deducted out of each pay period until the debt was paid. I informed her that I am unsure of the validity of the debt and would like to complete a claim form to the XXXX court to obtain a court date. Unfortunately, she informed she would have the deduct a payment of {$320.00} beginning XX/XX/2020 which offers me no time before I can dispute. I have repeatedly attempted to call the number on the claim form for Strenger and Strenger however no one answers the phone even after you hold on forever. I don't understand their tactics. I have received numerous harassing phone calls from the collection agency and because I will not disclose my social security number to me they will not discuss what it is pertaining to. Regardless of the number of times for months and months and several times daily ; I have asked them to stop calling me and to have me removed from their call log. They continue to call. 
How is it they are able to receive a judgment without being served? How can my wages be garnished when I have no proof of the amount or even if this debt is valid? 
Last year another lady living in the building called me and informed me that a man showed up to the door stating he had a Christmas delivery for me ; she told him that I was not there but she would give it to me. When she saw that it was paper, she stated she immediately closed the door and never took any papers. She stated the man had spooked her when he began asking her a lot of questions. I was nervous about this because I believed at the time it was something from my ex trying to locate me. Nonetheless, I was never served. I have tried to contact this law firm with the last time being on XX/XX/2020. Now my wages will be garnished without any time to investigate this debt. Now that I am attempting to contact the number on the summons ; they do not answer. How is this legal?
Product: Debt collection

I did not authorize consent nor benefit from the listed account ( XXXX ). Block and Remove
Product: Student loan

Discover EMailed co-signer violating 15 USC 1621. Discover should be held accountable for their actions.
Product: Mortgage

I CONTACTED CFPB MANY TIMES OVER A YEAR AGO A COMPLAINT AGAINST MY MORTAGE COMPANY XXXX XXXX XXXX THEN WHITNEY THEN HANNOCK ABOUT A PREDATORY LOAN THAT I CAN PROVE IT HAS BEEN OVER SIX AND A HALF YEARS AND NO HELP I AM ON SSI XXXX A YEAR CAN NOT AFFORD AN ATTORNEY FREE HELP SAYS IT IS TO COMPLICATED I FINALLY GOT IN TOUCH WITH SENIOR HELP AND THEY SAY IT IS YOUR JOB TO OVER SEE THESE BANKS THAT INVOLE DECEPIT PRACTICES
Product: Consumer Loan

I took out a {$500.00} online loan from Big Picture Loans. I was under the impression that it would be a {$150.00} finance fee. It was n't until after the funds were disbursed that I was made aware of the Truth in Lending Disclosures and that the finance charges were actually XXXX with an 542.4636 % annual percentage rate. I am now stuck paying over {$2000.00} for a {$500.00} loan
Product: Credit reporting, credit repair services, or other personal consumer reports

I wouldnt think it would be a problem however look at the dating and what I referred to prior as self dealing by experience on the XX/XX/XXXX it dropped 56 points into in on the XX/XX/XXXX to the XX/XX/XXXX it dropped 26 points So in the span of two days I drop from XXXX or XXXX to XXXX The {$3.00} oversite /mistake cost me 70+ points in two days The minimum payment was expected to be {$72.00}. Plus the added {$41.00} for interest charged in 2018 looks like XXXX dollars in fees put me over the limit wow this doesnt look right
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX XXXX. i lost my job during the covid-19 so around XXXX I couldn't make my credit card payment due to hardship of my finance situation at that moment so they ending up reporting on my credit report on XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX so really bring my credit score down more than 200 points. i decided to talk to a representive of Bank of America and I explain my situation to agent and he removes all the late payment fees so i could pay it and we had a agreement so if I pay the amounts I own them, all my late payments is gon na be removed from my credit report which I did paid XXXX XXXX and it still on my credit report those XXXX XXXX i paid which was really come from a lot sacrifice I did to get all my lates payments removes it and they didn't respect our agreement. I'm trying to get a new delivery car to be able to pay my bills but I can't because of the lack of respect of our agreement. Please I need the consumer finance support to get those late payments remove from my credit asap so I can start working and provide for my family ( XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
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 proce 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 31.5K financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage from Stonegate Mortgage was sold to Home Point Financial, Home Point had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with Home Point several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, XXXX  now shows account as closed and no real estate balance. Home Point has not been reporting my current timely payment either. Home Points error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before Home Point ) and years as well as my current timely obligations. Home Point Financial is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Product: Mortgage

Navy Federal 's preliminary closing statement shows an appraisal fee of {$620.00}. I paid the {$620.00} to Navy. However, upon review of the appraisal the cost was only {$350.00}.
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Navy violated the law by over stating the preliminary closing statement.
Product: Debt collection

The company appeared on my credit as SOURCE RECEIVABLES M on XX/XX/2018 and I was not aware of any actions I could take to avoid them to report on my credit. I don't owe any debts to SOURCE RECEIVABLES M and I would like them to be removed from my credit report, so that I can be able to get lines of credit again. The amount that is owed on my credit report is XXXX. Thank you for all your time and support in assisting me with this dispute.
Product: Debt collection

I have disputed this with the credit companies as well as sent certified mail requesting documents and proof of this debt I requesting the original contract with signature, payment history how the amount was calculated, proof of assignment and bill of sale with amount paid, proof it was not involved in a tax right off or insurance claim
Product: Credit reporting, credit repair services, 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 accounts 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, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : NEVADA XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Student loan

I was told that income repayment program was the best for me because it was goes based on my income alone. What I was n't told is that there is a cap and when ur married it includes my wife income now as a result I 'm paying much higher and there nothing I can do about it because if I get out then I pay much higher. On top of that I requested for them to change my auto pay account and they told me that I have to stop auto pay the regular rate with the higher interest then change the account. Even though they can change it via paper request they ca n't via phone even though they already have the account on file. When I requested to speak a  manager I was refused but then they just put me on hold for 15 mins to chan ge a simple thing.
Product: Debt collection

I have been disputing the validity of these accounts for a while. Please review the attached documentation and remove these accounts.
Product: Debt collection

I am guessing that this account was sold to XXXX XXXX XXXX, XXXX under false pretenses, I will not pay this bill until XXXX XXXX XXXX AKA XXXX. XXXX sent someone out to fix the wiring that their electrician messed up. I was going to pay for myself up front until they began to be rude, tell me how long I had and who I needed to get to fix it. I had covid and that didn't matter t them, so now they can send someone out to fix the problem or I will have my landlord start the process of suing them. I refuse to spend my money up front and wait until they feel like paying me back
Product: Mortgage

I have been waiting since XX/XX/XXXX to have my kitchen repaired and the mortgage company is holding the check. I have been paying out of pocket and they are refusing to send the money. They give me different answers every time and have failed to file paperwork multiple times they are trying to extend this process to prevent me from being able to have tenants in the house or have a functional kitchen to be able to pay my mortgage. The insurance company did not release enough funds to complete the project and the mortgage company has been holding funds for several months. Its unacceptable and abusive. I am a XXXX woman, and I find it completely unfair that a large corporation can treat me this way. Thank you.
Product: Checking or savings account

Capital One 360 refuses to reissue a close out check for funds owed in the amount of {$4200.00}. Numerous past CFPB complaints were filed with information showing whereabouts at time check intercepted by third party, signature forged on it, cashed in my name without consent. Initial check had a stop payment placed on it prematurely, a second replacement check was sent via XXXX second day while I was in XXXX XXXX. I also provided copies of three checks issued, two of which show my correct signature, third one shows a forged signature which Capital One reps refuse to investigate despite numerous requests to do so. Since no check will be reissued, signatures not reviewed, I require an address to file a notice of small claim suit which I've also requested via past CFPB complaints, was not provided. Further, attorneys representing me in data breach also have information detailed above, will recover loss via litigation if not through small claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good day, I have a notification from XXXXXXXX XXXX  stating that CITI BANK pulled my report and I checked what occurred to be an unauthorized inquiry on the XXXX report. 
This occurred on XX/XX/2022. 

I've already spoken with XXXX Credit Bureau to work on this issue as well as CITI BANK to resolve these actions.
Product: Credit card

I viewed my credit report and I still have a credit card from Citi Cards/Citi Bank ( that had been charged off in 2010 ). It has been over 7 years since this has been delinquent/charged off and the Fair Credit Reporting Act states that negative items must be removed from your credit report seven years from the first date of delinquency. The negative delinquency is still showing on my report and I would like to have it removed.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts list IMMEDIATELY! 

Accounts : XXXX XXXX Bank - {$9200.00} - Date Opened - XXXX XXXX, XXXX  XXXX XXXX XXXX - {$4000.00} - Date Opened - XXXX. XXXX, XXXX  XXXXXXXX XXXX XXXXXXXX - {$800.00} - Date Opened - XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX IL, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX pushed their payment protection company services on me when I became a consumer of their product. Once I was laid off from my job, this service did not step in and make the minimal monthly payments as it guaranteed to do and XXXX XXXX reported late payments to the credit bureaus for each of the months the service did not make the payment. XXXX XXXX has since discontinued their payment protection program and credited my account for each month the program did not pay as it should have. I have since closed my account with them, but they have not updated the late payments which never should have taken place as it was the responsibility of the plan to make all payments during the time of my lay off. XXXX XXXX assured me by phone that this would be corrected more than one year ago. I have continued to suffer due to the numerous late pays inaccurately reported by this company.
Product: Checking or savings account

Hello bank of America withdrew {$130.00} on XX/XX/XXXX for forced closed account after i made a payment arrangement. They were only supposed to withdraw {$5.00}. Causing a overdraft. My car payment comes out of this account. They said they don't think there is anymore to come out and transferred me around for 20 mins then i ran out of time. Then without notice they just withdrew XXXX on XX/XX/XXXX after i made a deposit to cover car insursnce. It's putting in terrible financial stress. Please help