23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This dispute pertains to the information reported by your agency under the permissible purposes underline in 15 USC 1681B as well as my request for blocking information related to identity theft under 15 USC 1681C2 I recently attained a copy of my credit report from your agency and have identified The following inquiries account name XXXX XXXX XXXXXXXX this inaccuracy such as the account itself the balance delete payment, and the account status is false due to identity fraud on the 15 USC 1681B consuXXXX reporting agency must ensure that the information they report is used for permissible purposes only I am disputing the accuracy of this information as it has a significant impact on my credit worthiness. I request a thorough investigation into the accuracy of this information as required by feeding USC 1681B additionally, I also sent in proof of identification and address to update update my account with my personal information. I have hear nothing back from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declared bankruptcy inXX/XX/XXXX. I just saw on my credit report that First Progress credit card is reporting on XX/XX/XXXX the card usage is 64 % and the balance is {$190.00}. This just appeared now and my credit score plummeted by 60 points. I don't understand how this could be, how a closed card can show usage. I called them and the rude operator kept telling me to contact my bankruptcy lawyer. I don't even remember who they were.
Product: Debt collection

This company has failed to provide sufficient verification to the three credit bureaus as I requested to have verified this debt belongs to me as they say, and nothing has been sent to me as any proof therefore they have now again sold my information to yet another collection agency that is abusive on the phone please be aware of this scamming company the names are Jefferson Capital Systems LLC and XXXX XXXX, XXXX
Product: Credit card

CARECREDIT / SYNCHRONY BANK - I have/had six different promotional purchases on this account. If paid off within certain time frames I can avoid finance charges. I'm very careful to make sure I am paying correctly to avoid these. In XXXX I had a promotional charge in the amount of {$3000.00} due, I discovered that Synchrony had misapplied my last three payments to random other promotions instead of this promotion. I requested the correct their mistake. Instead they reversed the payments an applied them to other promotions. Instead of continuing to argue with them about getting it paid I asked my husband for money to get it paid off. That would have left the next three promotional balances with something applied to them - this is where they misapplied. My XXXX promotion was paid off and according to my records that would have left my upcoming XXXX promotion with approximately {$300.00} dollar applied to it leaving me just over {$100.00} to pay by XX/XX/XXXX. I have a spreadsheet laying all of these payments out. Today I received an email telling me I owed almost the full balance of the XXXX promotion, {$410.00} due by the 3rd. When I logged onto my account I was expecting to see close to {$300.00} already applied to this promotion and there is only {$5.00} applied. So I contacted them requesting a full accounting from them of the payments received on my account for the past 12 months with the information as to what charges these payments were applied too. I was told to review my statements, the information was there. Its not, the statements show the payments received but not where they have been applied. According to my records there is close to {$300.00} unaccounted for- they didn't have it applied to what was due in XXXX, it was on XXXX, XXXX and XXXX- now that {$300.00} shows not on those promotional balances and it does not show the promotional balance from XXXX overpaid the {$300.00} - So where is the money? Somewhere in the past year something with how they are applying and accounting for my payments has been done incorrectly and they are missing {$300.00} from being applied to my promotional balances. My request for the accounting of the past 12 months showing payments and where they were applied was denied. They told me they can only tell me what payments were made in the past 60 days, nothing more. They have no system to tell me this. That makes me really highly concerned. I do bookkeeping and HR for a living and I have to keep all my records for years - you are telling me they don't? I just want an accounting of my records. What payments on what dates applied to what charges from XX/XX/XXXX through XX/XX/XXXX- they refuse
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. Experian, XXXX, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given ( which is fraudulent ) to allow them to furnish any of the information they have listed below and I want it all deleted and blocked immediately. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15. 
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. Inquiries : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion are reporting fraudulently on my report. The scores they provide are 80 points lower than my XXXX report. I have opened credit accounts in the past few months to boost my scores, but from what I see transunion and XXXX are reporting in favor of ensuring that my scores are enabling financial institutions to charge a higher interest rate, even though I pay every balance before I can be charged interest. This is what I consider as fraudulent reporting to allow banks to charge higher rates, even though my payment history is pristine.

These agencies must be held accountable. I expect the CFPB to do so.
Product: Credit card or prepaid card

I applied for the apple card on XX/XX/2022 using a referral link my friend sent me for {$75.00} daily cash after making your first purchase. On XX/XX/2022 I made my first purchase on the card. On XX/XX/2022 I got the daily cash for the purchase, but I did not get the {$75.00} daily cash that was promised through the link. I contacted Goldman Sachs, and the representative informed me that the refer a friend promotion expired on XX/XX/2022, however there is no mention of this through the link which is still active on XXXX 's website, and I was not aware of the expiration of the promotion. The link is apple.co/refer. It is still active without any mention of an expiration date or any indication that it is no longer valid.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 

Also this is my second attempt at getting the information removed, but was denied due to address issues. the current address XXXX XXXX XXXX, XXXX  XXXX is my current address.
Product: Checking or savings account

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, USAXXXX  usaa checking XXXX XXXX XXXX XXXX XXXX, TX, USAXXXX RE : Disputed Account - Notice to Furnisher XXXX Dear Sir or Madam : I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Pleasesend me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTCIdentity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Pleasesend me a letter explaining your findings and actions. 
I am a victim of identity theft, and I am writing to dispute the following fraudulent charges on my account : Sincerely, XXXX XXXX Enclosures : XX/XX/2023 Close the unauthorized account Removeany charges on the unauthorized account, and Takesteps to remove information about this account from my credit files. 
FTCIdentity Theft Report Proof of identity Notice to Furnishersof Information
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has me listed with a Bankruptcy, I've contacted the courts and they tell me they have no records that they give out to credit reporting agencies weather you do have one or you don't. I have asked Equifax on several occasions about this and they sent a reply saying they contacted the federal courts, I know this to be false since I've contacted the federal courts and they have no records of me to give out. I've been a victim of false information listed about me in the past due to someone in my city with the same name and very close ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my Ford Motor Credit bill online every month within 30 days of its due date. Ford Motor Credit delayed posting payments and is reporting to the credit bureaus that my payments were more than 30 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XX/XX/XXXX# XXXX - DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXXXX/XX/XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name :XX/XX/XXXXXXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXXXXXX XXXX # XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XX/XX/XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XX/XX/XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : UNKNOWN # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

Dear Sir/Madam, I hope this letter finds you well. I am writing to express my deep dissatisfaction and frustration regarding an unnecessary hold that has been placed on my funds in my account with US Bank since last 2 Months, I believe that this hold is unjustified and has caused me significant inconvenience and financial hardship. On XXXX XX/XX/2023, I made a deposit of USD XXXX into my account number XXXX. According to the bank 's policy, funds from deposits should be made available to customers within a certain period, typically a few business days. However, I was informed that a hold was placed on the funds, preventing me from accessing my own money. I have contacted your customer service representatives several times to inquire about the reason for this hold, but I have received conflicting information and no satisfactory resolution even on customer support phone and branch phone as well as no responses on Email. Encl XXXX XXXX No Email Responses from any of the Authorities of US Bank Copy of Email Send Attached. Encl -XXXX  Details of Call Done Encl XXXX ) They give us two options in the Letter dated XX/XX/XXXX ( Encl XXXX ) in response of the complaint. In the Response they gave us two options 1. Talk to the branch manager to release the funds : when I talk to them the branch manager XXXX, She doesn't have any update on the those funds on XX/XX/XXXX ( here are the screenshot of the communication Encl XXXX ) As This shows their Clear misrepresentation, manipulation and unnecessarily holding of funds since last 60 days which leads unnecessarily harassment of a customer. XXXX ) Our latest Communication with them on which we still not get any reply from there side. We have tried each and everything & They are just reading our mail but we are not getting any response from any one of the bank person over our email they just sent us reply over here only so we need the solution for that issue. 

They are just replying to you only on this platform so we request you to take care the same and do the needful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, NY XXXX SINGLE FAMILYXXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra vioilations RemoveXXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account Comments Edit fcra violations XXXX XXXX  fcra violations not mine
Product: Money transfer, virtual currency, or money service

I am filling 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 those violations.
Product: Checking or savings account

Dear cfpb, I have an HSBC joint checking account with my son which has been incorrectly charged {$50.00} of fees on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Each month I rang up and raised the issue with the bank and each time they refunded the incorrect fee and assured me they had fixed the error in their system causing the problem. 

I raised a complaint each time and I was told that the problem had been resolved. Clearly this is not the case. 

I am writing to cfpb after 4 months of trying to get this issue resolved, as I hope that HSBC might take a complaint more seriously if it comes from cfpb, as they clearly are not taking their own customers complaints seriously at all. 

I am hoping a simple nudge from cfpb might get HSBC to fix the error in their system. 

All they need to do is correctly tag all my accounts as a premier accounts, which they are and this would resolve the issue. 

best wishes
Product: Student loan

Never enrolled as a student. Not day in Wisconsin or Missouri ever never in Tennessee either. Many states of USA same.
Product: Credit reporting

Hello. I am in the process of clearing up all inaccurate and wrong information on my credit reports. 44 Days ago I send a certified letter ( copies saved ) that requested Corrected information and PROOF of any errors they are not removing from my personal credit report. I have not received anything, no reports, no credit file or questions. I sent this with proper ID proof and a detailed letter and account numbers. They have in the past kept false reporting on my report that are not even mine.
Product: Mortgage

Hello, my name is XXXX XXXX, I have a very serious issue with my servicer SN Servicing Corporation. They will not stop the sale on my home scheduled for XX/XX/2020 despite what our President of the United States of America Donald Trump ordered this week, that all foreclosures and evictions are to be suspended. SN Servicing Corporation are not following the Presidents order and are in clear violation. 
Due to the Corovavirus ( COVID-19 ) I am unable to make any payments, phone calls, file any documents or mail any documents as of today the Governor stated no one should be outside. We all are to stay at home. If my home sells, I and my XXXX  wife will become homeless in such a national emergency. This is a huge threat to I and my wife are in great danger of contracting the Coronavirus if we will not have a place to live. 
This is a very serious matter and has to be taken seriously as our lives are at stake.
Product: Credit reporting, credit repair services, or other personal consumer reports

this message is for XXXX and Equifax. this is nothing against the two companies. i had a couple of debts with XXXX in the past. they turned the debt over to a collections agency i am assuming in XXXX i got calls from different collections agencies saying they have taken over the debt. one with was XXXX XXXX XXXX XXXX and another company calling from XXXX but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to XXXX  turned over to them on the XXXX then she said the XXXX of nov. so which is it? i have no clue. i think XXXX is trying to get money from me by any means necessary. i reported the XXXX company already. now im reporting XXXX again for the millioneth time about this stuff.
Product: Debt collection

On XX/XX/2019 I received a call from First Financial stating that I had a past collection from a company named XXXX of XXXX. They provided me with all of my personal information such as full name, date of birth address maiden name, etc and stated I could settle this balance for a payment of XXXX. They also included that I had an available open balanced credit card to put it on and that they would only be able to do it today so my credit score wasn't affected. I was in a panic because my husband and I were in the middle of purchasing our new home out of state so I paid the XXXX. 

Come XX/XX/2019 a different collections company called me stating the same exact thing.. 
I owed for a past XXXX account, I owe monies,,, etc I explained to them that I had already settled but had no documentation ( only cc statement ) and they proceded to get pushy saying it wasn't fulfilled with them, I need to pay today or it will affect my credit ... etc etc. I don't remember this company 's name ( papers are packed somewhere ) but I wasn't paying twice. So I tried to contact the company who called me first, First Financial and can not get anyone on the phone. Goes to a generic automated voicemail. 

Called XXXX XXXX XXXX and explained that I had a fraudulent charge ... I had to write a letter stating my concerns. They took the XXXX off my account due to fraudulent investigation. As on XX/XX/2019 my card company placed the XXXX back on my card with the explanation of they are satisfied with what First Financial provided. I can not get a hold of that company whatsoever and that is all my CC company is providing.. Now here I am filing a claim,,
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$12000.00}.
Product: Checking or savings account

Navy Federal Credit Union has been extremely slow to address prior issues as shown in the CFPB records, so we are going directly to CFPB on this one. 

We have a Checking Overdraft on our Checking account with NAVY FEDERAL CREDIT UNION. 

Today, we attempted to pay the Credit Card Bill online using the Checking Account with Overdraft Protection.

The Credit Card Payment would not process as it says that funds were low in the Checking Account. However, the Overdraft line of Credit was still showing that we had not used any OverDraft.

Navy Federal Credit Union prevented us from paying the Credit Card Payment today. see file. 

By their failure, NAVY FEDERAL CREDIT UNION denied us access to credit as the Credit Card will not work unless there is an unused credit line. Navy Federal Credit Union denied us access to our credit line in the OverDraft, and therefore Denied us access to the use of the Credit Card as we were not able to add sufficient funds using our Overdraft Credit line, thereby impairing our ability to use credit/make purchases on the credit card.

In short, NAVY FEDERAL CREDIT UNION unlawfully denied us access to Credit.

The supporting documents are attached. Navy Federal Credit Union has a recent history over the past 24 months of computer glitches and programming errors preventing accurate financial records and also has a history of transferring financial information to unauthorized third party agents such as XXXX XXXX and apparently access data to XXXX. 
CFPB has penalized Navy Federal Credit Union in the past for such activities concerning failure to provide Overdraft Protection.
Product: Credit reporting or other personal consumer reports

Hello, I have recently discovered that I have been the victim of Identity theft in which such person [ XXXX ] used my credit multiple times over the years. It wasnt very much money at first, thats probably why it was never noticed, but here recently I been trying to purchase a home so I started looking at my credit report more closely. 

In XX/XX/XXXX I discovered that the following Accounts have been opened Fraudulently : XXXX XXXX XXXX Acct # XXXX {$870.00} Opened XX/XX/XXXX ( secured loan ) XXXX XXXX XXXXXXXX Acct # XXXX {$870.00} Opened XX/XX/XXXX ( secured loan ) HARD INQUIRIES : 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