23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX my Freedom Unlimited credit card was denied when I attempted to pay for lunch. In the afternoon, my wife attempted to make a purchase at the mall and her purchase was denied using the same card. I called the bank credit card services at ~XXXX XXXX and I was informed that both my credit cards ( Freedom and Freedom Unlimited ) were closed. When I inquired about the reasoning, I was informed that Chase Bank has decided to close my other accounts and therefore credit cards have been closed as well ( other account referring to Checking and Saving ). When I asked why I was n't even notified, I was informed that a letter was sent the same day my credit cards closed. After about an hour of being bounced around on the phone, a lady with banking informed me that " my account has been reviewed and the bank has decided to close my accounts ''. As I repeated my question, she kept answering the same exact way ( maybe changed a word ) but no answer as to why?!? I have been a good customer and have had no issues in regards to payments. How can my checking, savings and 2 credit  cards close with no explanation?!? I was informed that I can continue to use my checking and savings until XX/XX/XXXX as they will close later. I still have no mail about any of this.
Product: Credit card or prepaid card

On  XXXX   XXXX  we sent a payment of {$500.00 } to  XXXX  Barclay card. T hey cashed that check on  XXXX   XXXX  and we have the  XXXX  transaction in writing to prove that. I have called   XXXX  7+ times and spent over 7 ho urs on the phone with   XXXX   and they still continue to ask for the SAME info and the same questions EVERY SINGLE TIME I CALL. They are saying it is n't there issue but we have the copy of the  XXXX  records showing that this was cashed by  XXXX  on  XXXX   XXXX . I 've had several managers PROMISE that they will take care of it and the issue still is n't resolved. I am beyond frustrated as the interest is accruing and I still have no resolution. The customer service here is beyond AWFUL and I have wasted DAYS trying to resolve this. We have faxed copies, our bank has faxed copies and  XXXX  never has received anything but a " blank copy ''. I have sent a letter to  XXXX  stating I am disputing the full balance as they have taken our money and misplaced it!! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And list of Inquiries According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX XXXX XXXX XXXX Account # XXXX balance of {$6100.00}. My husband filled a XXXX XXXX bankruptcy Case No. : XXXX File Date : XX/XX/2018, and XXXX was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.
Product: Vehicle loan or lease

I have been having a major problem with wells fargo auto dealership for a while, first started with the forcing me to buy their insurance, then charging me for insurance through the last over payment that I paid on the XX/XX/XXXX. Forcing 30 to 60 days lates on my credit report for the last 36 month. also when I asked about all of the 30 day lates, and 60 days they claim an internal processing error. we can all hide behind that excuse. 
I have all of my records showing that I have paid them over {$50.00}. Just last month in XX/XX/XXXX, and this month  in XX/XX/XXXX they are reporting 30 days lates, I paid them. They are destroying credit report, I am trying to find employment. please remove those lates on my credit report. and send me my car title. 
wells fargo said I owed them XXXX I send them a {$100.00}, the very next month they reported that I owe them another {$75.00} I owe them nothing. 
something needs to be done about this company and all of their corruption that has been taking place. where is the us government at with all of the XXXX from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX  is the original account holder XXXX XXXX is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX XXXX Equifax. The dates the account was opened & closed are different as well Also all different last date of payment
Product: Student loan

Last year, I consolidated my student loans into a single student loan with the help of Ameritech Financial. Due to prior XXXX treatment, I was having hardship making the payments as requested and was offered a method of making minimal payments until I got a job again, as well as the potential for loan forgiveness. 
Ameritech consolidated my loan and set up automated payments of {$100.00} through XXXX XXXX XXXX XXXX. These payments went out on the XXXX  or XXXX  of each month starting in XX/XX/2017, while the loan was consolidated under XXXX. 
Recently, I received a letter from the FTC stating that Ameritech was being sued by the FTC for their practices. Upon review of my XXXX account, I discovered that not a single payment was made to my debt since it's consolidation, excepting the payments I had set up individually in XX/XX/XXXX. So my debt had gone up by several thousand dollars. 
It was also discovered that Ameritech had changed the contact number on my Federal Student Aid account to an unknown number, thereby preventing me from receiving any calls regarding my accounts. This has since been fixed, and the password changed. 
As a result of these practices, I am no several thousand dollars more in debt and have likely taken a hit to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is the worst credit reporting agency that exists. They really need to be shut down. I have been trying for years and I can never contact Transunion to get any help at all! The only way I am able to monitor my transunion report is through 3rd parties such as XXXX XXXX. 
Transunion 's website does not work! It either never loads or you can't log in. So, I can't even help myself by using the website. Then I try to call them and I sit on hold for a long time only for the line to just hang up. 
Currently I am trying to dispute an inquiry and place a credit freeze on my account due to identity theft but I am unable to do either of those things because there is no way to reach someone on the phone or access my account online. I can't even get my free annual credit report because their website does not work! 

The biggest problem for me right now is to be able to freeze my credit and I need to be able to access it online so I can Unfreeze it at any time since I'm currently trying to get a mortgage. 

They should not be allowed to be a credit reporting agency, they have all of my information and can just put anything on there they want to and I can't do anything about it. They need a website that works, they need customer service to answer the phone to help people. This has been going on for years and I just gave up a long time ago. but now I really need access to my file immediately. 

Someone please help!
Product: Mortgage

I have tried on numerous phone calls and attempts to resolve the situation regarding my foreclosure. Rushmore loan management representatives are withholding information, over talk me will not answer any of my questions. Today I called with a HUD counselor on the phone to assist with the phone call and still the same rudeness from all representative XXXX was first, XXXX second, and lastly XXXX. We requested to speak with management several times and we were hung up on. The misrepresenting notes that are taken by each representative are very troubling. The miscommunication and the false claims are in an attempt to benefit Rushmore in seeking foreclosure This company will not assist me at all. I am in the process of seeking an attorney or joining a class action suit against this company or the end result will be bankruptcy I will not release my property to the scam artist. I am trying to get somebody to go over detailed questions that I have about my property and loans being transferred twice in a matter of four months also there are way too many representatives handling this case and a lot of confusion and nobody cares. I have the right to know why there were fees placed upon my account during Covid I have the right to know when my loan was purchased from the previous lenders and I also have the right to have my account on hold for 60 days which Im told is not the case because of that discrepancy with when they are saying my loan was transferred. Im also being told that my loan is not secured for 60 days from the date of transfer. There is a big discrepancy with when I was told from the previous lender as to when the loan was transferred because Rushmore is telling something totally different. This is very scary, This company is dishonest and is doing everything thing possible to help me avoid foreclosure.
Product: Debt collection

I am writing today to request the help of the CFPB with my dispute with National Credit Systems , Inc . They have purposefully violated my rights under Section 1692g of the FDCPA and the FCRA for furnishing data to XXXX  and XXXX  when they have not properly validated this alleged debt. 

On XX/XX/XXXX I received a letter dated XX/XX/XXXX from National Credit Systems , Inc. regarding an alleged debt. On XX/XX/XXXX I responded with certified documents disputing this debt. National Credit Systems received these documents on XX/XX/XXXX at XXXX XXXX - document evidence attached. As of today, National Credit Systems , Inc. failed to respond to my request for validation and have violated 15 U.S. Code 1692 ( g ) validation of debts, which states, the debt collector must cease collection of the debt, including credit reporting until the debt collector obtains verification of the debt and is mailed to the consumer by the debt collector. As of today, XX/XX/XXXX National Credit Systems , Inc. has not provided this information, yet, has listed this alleged debt as a derogatory account with both XXXX  and XXXX. National Credit Systems has even noted the account with both credit reporting agencies as " Account information disputed by consumer, meets FCRA requirements '' ; however, never fulfilled their obligation.

Please note, in light of the KNOWN issue with the United States postal service delivery, I can not be held responsible for the delay in mail delivery. For this reason, I have attached proof of delivery that shows I was well in the timeframe of the 30 day notification period. National Credit Systems , Inc. did not make any internal adjustments to their processes ; instead willfully chose to be in non-compliance with the FDCPA and FCRA.
Product: Mortgage

I refinanced with XXXX in XXXX of 2015. They sold my mortgage to Freedom Mortgage and so the nightmare began. After my XXXX payment I received a late payment letter dated before my payment was late. I sent proof of payment from my bank but it did not stop their pursuit to a DEFAULT. They have lied, been rude and are duplicitous. What they say on the phone does not match what they say in their next letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : ( XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

I am writing to inform you about an unfortunate incident involving an ACH payment. We received the vendor 's bank details and ACH instructions via email, and an ACH was scheduled on XXXX from our business account based on these instructions. 

On XXXX, the vendor notified us that they had not received the payment. Upon investigating, we discovered that the vendor 's email address had been hacked, and the bank details were changed by a fraudster, leading us to fall victim to this scam. 

We immediately contacted our bank branch, and the banker raised a request for an XXXX reversal. We were informed that we were within the time frame to retrieve the funds. However, on XXXX, we received an email from our bank stating that the XXXX could not be reversed. Upon further inquiry, we were told that the account the funds were credited to was frozen. 

We have also reported this incident to the local police office of XXXX XXXX. 

Please let us know how we can retrieve our funds back.
Product: Credit reporting or other personal consumer reports

I would like my {$5600.00} debt removed from CITI bank on my credit reports.
Product: Credit card

I have opted out of credit card applications being sent to me in the mail but certain outfits ignore or do n't use the service and send me applications anyway. The latest is Bank Of America, which is a low life outfit from previous experience of them XXXX my son! I would n't give this outfit the XXXX but they insist on sending credit applications. Is there a magic number or email address that I can send a correspondence to express my never wanting a thing to do with them? Please let me know if there is any recourse available to the FTC sanctioning this outfit with a fine or other penalties?
Product: Credit reporting, credit repair services, or other personal consumer reports

upon checking report i notice fraudulent charges on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Mohela was given servicer responsibilities for my student loans in XX/XX/2022 A portion of those loans had been forgiven through PLSF through the prior servicer FEDLOANSERVICING. Since that time MOHELA has sent mail and answered the phone after expected long waits, but they have done nothing to help me discharge the loans and have done everything to attempt to " recoup '' their " cost '' through charging interest on previously discharged loans and failing to consolidate current loans that would fit into income driven repayment schedules. MOHELA has stated clearly that they do not do consolidation, but as servicer they have responsibilities to complete actions approved by the DEPT of ED which are being unduly delayed. Since MOHELA being named servicer, my loans have gone delinquent even though " over- payments '' have been sent. MOHELA has attempted to confuse the issue by sending bills for the same payment to my wife in an attempt to " confound '' and prolong debt service. 
I am in no way denying my debt. I am attempting to manage that debt with tools provided by the federal government and the servicer is attempting to profit. 
I simply want my loans consolidated so they can be placed in an income dependent repayment status.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and Noticed Several Inaccuracies on my account. This account is to my understanding that you will investigate these items for me to ensure accuracy. 
Here is the items I am asking you to verify as accurate. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account number ( 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 ) - ( the bureaus # XXXX ) - ( XXXX XXXX # XXXX ) - ( XXXX  XXXX # XXXX ) has violated my rights. 
15U.S.C 1681 Section602 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
Product: Debt collection

This company continues to report inaccurate information regarding the actual amount owed. I spoke with XXXX XXXX on XX/XX/XXXX  and was told by representative, XXXX, that I had the option to pay them ( XXXX ) directly versus paying the debt collection agency ( Eastern Account Systems ). XXXX informed me that by doing this, Eastern Account Systems would report the updated balance and eventually have nothing to report, thus removing this information from my credit report. 
Eastern Account Systems continues to report inaccurate balances. They refuse to send me copies of the contracts and information to validate this debt. Representatives have been incredibly rude to speak with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several times disputes about some accounts in my credit reports that are not eliminated and I have not been sent any evidence of validation and confirmation. 
XX/XX/22 Experian, XXXX XXXX and XXXX. 
XX/XX/22 Experian XXXX XX/XX/22 XXXX XXXX XX/XX/22 Experian
Product: Credit card or prepaid card

I loaded money onto a Chime card to pay my back property tax payment. I called the tax office and made the payment by phone. At first it appeared the payment was made. Then it was not made and a tax deed was sold on my house. I have been promised a refund after they said they found evidence the money had been hijacked out of the country- but then they just stopped talking to me and it's been since XXXX of 2022 and no refund. They even refused to speak to my attorney. I verified it was me and they still haven't talked to me anymore nor given me the money back nor given me evidence I need to void the tax sale - so they've cost me my home.
Product: Debt collection

They called me early on XX/XX/XXXX, about XXXX from a blocked phone number. I called back to speak with a supervisor the same day after XXXX to put in a complaint they told me they can call from a blocked phone number as long as they tell me they are calling about a debt. When I asked wasnt that breaking federal law they told me someone in their compliance department told the supervisor, they werent in violation.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that this account is 100 percent true, accurate, and correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct this account immediately XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO APOLOGIZE FOR DISTURBING THEM BUT I AM ALWAYS RECEIVING INDAGATIONS IN MY CREDIT REPORT SOMETHING ELSE CONTINUES USING MY PERSONAL IMAGE PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT THANK YOU..PUT A FRAUD ALERT PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the accounts listed below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

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

COVID-19 has made it very rough for me financially. I have been doing what I can to improve my credit with the objective that I can move toward more resources and more assets. I am experiencing remarkable difficulty arriving at Equifax and endeavoring to address certain information on my credit report. Equifax has extremely poor correspondence, I didn't get a phone call, email or, mail, nor are they affirming the information I am challenging. In view of the negligence of the credit organizations I have not had the option to push ahead to quiet a segment of the budgetary weight I've endured during the ongoing months. I sent correspondence on XX/XX/2020 and XX/XX/2020. I sent the letters that are attached and gotten no reaction. I want to have these issues examined and settled as fast as could reasonably be expected.
Product: Vehicle loan or lease

I purchased a vehicle from XXXX XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX XXXX, PA XXXX on XXXX XXXX. I received a loan from CREDIT ACCEPTANCE. Upon my findings they have violated my rights with THE CONSUMER LAW 15 us code 1605 and also 15 usc 1681 a ( 2 ) ( a ) ( i ) which states late payments are illegal. I was not explained in detail all of the extra fees and down payments are illegal which Ive paid. Also I was giving a very hard time getting my car fixed after day XXXX of purchasing the vehicle. They were rude and did not answer any further calls of concern from me. Can you please further investigate this matter. Thank You
Product: Money transfer, virtual currency, or money service

( 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. 
I