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

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX  DATE OPEN : XX/XX/XXXX XXXX CXXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Product: Credit reporting, credit repair services, or other personal consumer reports

synchrony XXXX  is refusing to correctly update my credit utilization ratio in a timely manner so that they can control peoples credit and lives. They also are stopping me from copying and pasting my payment history somehow as evidence.
Product: Credit card

I applied and was approved for a Double Cash credit card on XX/XX/2017, but I still have not received the card in the mail. Several weeks after the approval, I received a notification that the bank received return mail. I called customer service and confirmed the address on file was correct and that another card would be expedited to me. I called again to obtain a tracking number and was informed that expedited shipping was not possible. After I made several more phone calls, and received conflicting information about the card shipping process each time, my final call was escalated to a manager/team lead. I was then told that the card was shipped via XXXX on XX/XX/XXXX, and was told that it typically takes only 5-7 days to receive the card. It has now been 14 business days since the card was supposedly shipped to me, yet I still do not have a credit card. Due to gross incompetence and deception by Citibank 's customer service, I am cheated out of both a credit inquiry AND and a credit card for which I was qualified to get.
Product: Debt collection

I was accepted into my graduate program with XXXXXXXX XXXX XXXX on XX/XX/year>. I committed to the program at the beginning of XXXX of XXXX  and did not receive information about enrolling in classes until my advisor informed me of them in XXXX. I sent an email on XX/XX/year> inquiring about my student bill and if there was a payment plan available. I also inquired about a grant  that could potentially help pay for my summer classes. I received a response on XX/XX/year> stating that the Summer XXXX  monthly payment plan enrollment period ended before classes began on XX/XX/XXXX, which was after the date I was informed of which classes I needed to enroll in for the summer. I did not receive any information regarding the grant I inquired about in that same email. I reached out to my advisor on XX/XX/year> stating that I could not pay my summer class in full before the fall semester because I was in between jobs after relocating from out of state. I was not aware that my account would be sent to collections, after many attempts at trying to resolve the bill. All the correspondence I had with the institution were inconclusive, obscure, and misleading. Despite completing a XXXX form, the institution failed to inform me that I needed to be enrolled as a full-time student in order to receive financial aid.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account XXXX : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : 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 XXXXXX/XX/XXXX
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 XXXX 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 : states a consumer reporting agency can not furnish a account without my written instructions.

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 resonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2020, I ordered merchandise for amount {$400.00}. The delivery of the same was scheduled by XX/XX/2020. I did not receive any merchandise from the said company until XX/XX/2020 nor I received a refund of my money. Hence I filed dispute with my bank ( Chase Bank in New York ) and amount was credited to my account in XX/XX/2020 while the dispute was being investigated. Suddenly I was re-billed by the same bank without any notification to me, for this amount ( XXXX ) by the bank on the ground that the company said they have already shipped the merchandise. Hence I requested for the dispute to re-open. At this point I would like to add that I received some other merchandise by the same company ( almost after a month0 in XXXX which again was not mine. Hence I requested for 'Return Shipping Label ' from the company which they did and I shipped the same with the acknowledgement and receipt. 

Finally Company agreed that no Merchandised was shipped nor I received any product from the same company for which I was re-billed in XX/XX/2020 ( Which is reflected in the bank statement of XX/XX/2020 ). The bank now refuses to credit the chargeback to my account, despite the letter from the company stating that NO ITEM WAS SHIPPED BY THEM NOR I RECEIVED ANY ITEM FROM THE COMPANY FOR THE SAID AMOUNT. 
I request you help in recovering {$400.00}, which has been charged to me fraudulently XXXX XXXX Phone:XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # 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 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 : XXXX XXXX ( Original Creditor : XXXX XXXX P M ) Account # XXXX has violated my rights.

1 5 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 1 5 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: Debt collection

On XX/XX/2018 at XXXX we received an automated call from RSI ENTERPRISES requesting a call back to XXXX about a debt collection. At XXXX we called and spoke to operator XXXX to ask for our number removed. Unfortunately she could not pinpoint the number as the automated call did not dial our main numbers
Product: Money transfer, virtual currency, or money service

I have tried to reach out to cash app before and even submitted a complaint with the CFPB with this exact same issue.i will gladly go back over everything. I was contacted by a scammer with promises that they would make me money based off the money I sent them. They showed themselves as a legit trading establishment for people that want to be apart of trading the stock and forex markets. They required that I sent them bitcoin  through Cash app and then they would begin. Their website is called " XXXX ''. soon I began to see a fake account they made me, " make money ''. They have a recent trades transaction history that showed profits that were fake. I tried to pull money out but they required I pay a tax for the money they " made '' me. I sent them money through cash app. And then I was required to pay for account verification and approval, and for a wallet that they would provide for me in their own database. I sent them money through cash app whenever they " required it ''. I was already given a response from cash app by the CFPB but customer support said they couldn't verify my account, so I took the liberty to asking cash app support agent if my account is verified. please see the messages between me and the customer support agent to see that my account is verified.
Product: Credit card

There was a transaction dispute between a merchant and me. After submitting the dispute, the credit card and merchant agreed to reverse the amount but the credit card is refusing to repay me the extra payment i had made for XXXX + days and I am suffering financial hardship
Product: Credit card

XX/XX/XXXX or XX/XX/XXXX I bought a bed from XXXX financed thru synchrony bank. our original credit limit was XXXX. 
the terms were XXXX years no interest if paid in full. we pay each month on time and over the required amount. well ahead of schedule of the XXXX year terms. each time we pay a substantial amount they reduce my credit limit, this causes my credit profile to continually show a maxed out credit card and adversely effects my credit score, limits and interestI spoke to them and was blown off. if they continue to lower my limit to my balance amount it will continue to show a negative value on my score. this procedure they use is unfair to consumers and is wrong. my beginning score was lowerthan now but this makes it worse
Product: Mortgage

XXXX  months ago I started my process to refinance my home loan with citizens bank. there is no progress with them. I have been in my home for over XXXX yrs, I was laid off last yr for covid19 issues- I missed XXXX payments i have been in the forbearance plan for almost one year. I have made 8 full current payments to citizens bank, I asked to be removed from forbearance so i can refinance -but they are demanding a full payment for over XXXX. They will not let me make a payment via online. only per phone call which is almost 30 minutes of there questions or mail in a check. I need help to lower my payment so please help
Product: Checking or savings account

On Friday, XX/XX/XXXX, my debit card was declined. I called the Chase phone number on my debit card and asked why, and the Chase employee told me that my account is being closed, he can not tell me why. I asked if I could close my account in a branch and receive my funds, and the employee said yes. 

I went after work to the Chase branch on Friday XX/XX/XXXX and spoke to a banker there. He said that my account is being closed, he can't tell me why, and that I will receive my money within 10 calendar days. He was specific that it was 10 calendar days. I asked him because it was strange for him to say that, but he confirmed it. He said I would receive a check and an explanation for the closure. 

Today is XX/XX/XXXX, 11 calendar days later. I have not received the check in the mail. I went to the branch and spoke to another banker, and he said the previous employee was mistaken, and that I would have to wait 10 business days for the account to close, and then receive a check in the mail after that. How many times is Chase going to lie to me? How long will I have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing inaccurate information reporting on my credit reports from the following lenders below. According to my records, I have never applied for any loans or credit with the original creditor and these items may report on my account because of fraudulent activity.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

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 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 an 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list f accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15USC1681 XXXX XXXX XXXX XXXX. - XXXX XXXX XXXX - {$980.00} XXXX XXXX - XXXX - {$2600.00} XXXX  - Account # XXXX {$72000.00} XXXX XXXXXXXX XXXX  Account XXXX XXXX - {$300.00} 15 U.S.C 1681 section 602A. 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.

15U.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: Payday loan, title loan, or personal loan

On or about XX/XX/2022 my account was breeched and my HIPPA privacy was affected. My personal information was given to gentleman ( my ex ) in regards to how much money was given to me and the fact that I was behind due to XXXX  XXXX. This not only caused emotional distress but the local police had to be called to defuse the situation. It has caused unnecessary stress to the point I had to see my XXXX.
Product: Vehicle loan or lease

Hello, Infiniti financial is one of the most chaotic and most unprofessional financial services company Ive ever did business with. Unfair business practices and no regards for the customer. 

I had applied for Covid-19 program for assistance in XXXX. It was approved rather quick and back then everything was fine. They never fully and clearly communicated to me that to apply for an extension there is a 30 day waiting period. 

This means that when I applied I was technically already delinquent in their system. Multiple rounds of calls and I find out the extension wasnt even filled to begin with. Now Im 40 something days past due in their system. Not because I dont want to pay but because they messed up and they will not stop the clock on me. They keep it running. 

XX/XX/XXXX I finally get confirmation its filled but needs to wait 30 days. By this time Im already 30 days past due. Meaning by the time they apply anything ( if they do ) Ill be 60 days or more past due. 

Escalated to management who still have no empathy or compassion for their customers. Super hard to get a hold of them. And they resolve nothing. They wont call you back and when you try to call them back or course they are never available. 

So where does this leave me. In a space where Ive fallen behind and cant ever catch up because they will not help and continue to fully enforce policy 1000 % strong. 

I did everything required of me. I agreed to terms and conditions I asked for it and they messed up and kept lying to my face saying its filled when it wasnt. I filled out a second agreement. 

I was harassed multiple times by them and for what? Asking for assistance? 

So now I have a state consumer protection compliant against them. I have a XXXX   compliant against them. Im filing this compliant against them and will keep pushing relentlessly back at them for unfair hostile treatment of a consumer just looking for help. 

They do not honor their assistance programs. And they pull fast trickery over your eyes to make sure they put you in the worst place possible. This is unprofessional unethical and could very well be illegal. If it gets to the points these complaints go unanswered I will file a law suit as my last resort. And I wont stop until Infiniti financial stops these XXXX business practices and actually help their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$47.00} ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$530.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3800.00} BETTERCASH ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX  XXXX XXXX ), Its been over XXXX  days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

I used to own a property with my ex-girlfriend. When we split, I quit claim deeded off the property so she could refinance the loan out of my name and solely into hers. Instead of refinancing, she modified the loan without my knowledge. The lender acknowledges that I was and am not an owner of the property and never signed loan documents for the modification but refuses to remove the modification from my credit report. This is severely negatively impacting my credit and I had no knowledge that the loan was modified in my name. I was able to obtain a copy of the deed and it even states that the borrower ( my ex-girlfriend ) claims that there was no change in ownership of the property since the original loan, but there was a change, as I was removed from being an owner. Also, it is my understanding that it is illegal to place a loan in someone 's name or modify a loan without the knowledge and consent of the person whose credit is being affected by the event.
Product: Money transfer, virtual currency, or money service

For well over a month my Coinbase account has told me that " Buys are currently disabled '' for my account. The only option listed is to go to their FAQ which says that it's typically due to a chargeback on the account, in which case I would need to contact Customer Support via email, due to incomplete/incorrect ID which would need to be updated, or if not to still contact Customer Support via email.

I sent 3 email requests to them over the last 30 days and the only response I get is the automated message of " We've received your request and will respond shortly ''. 

They have no other means of contact unless you think the account has been compromised which I don't think it has just that there is something preventing me from trading fully on their platform. I am able to transfer/sell currency but not invest/buy anything with no clear indication as to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX  is fraudulent on my Acct # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
( 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.