23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX and XXXX, XXXX, XXXX XXXX transfers were withdrawn from my personal checking account with Synovus. The transfers totalled {$3400.00} and were made to persons unknown to me. I have called Synovus repeatedly to get an explanation as to how these transfers were made and why none of them were stopped. Over the phone, I was told that Synovus had closed their fraud investigation on the matter and no reimbursement would be forthcoming. I have repeatedly requested they provide an explanation of their decision but they have not provided same.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Report Act, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.
Product: Mortgage

Hello, My Morgtage has been sold to Rushmore Financial Services. This was sold to them when XXXX left the market. Immediatly they law suit me for the amount of XXXX of the principal amount of the morgtage and want as a settlement 35 % of the amount owed plus all the interest accumulated. I personally thinks is fair, but what motivate me to contact you guys is becasue they are not flexible and expressed that they just want to aquire the home to built their house portfolio. That was the statement from XXXX XXXX from loss mitigation personnel. The phone number is : XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of this month, XXXX XXXX in XXXX California made two hard inquiries into my credit record before I agreed to lease a car and had not given them permission. Eventually I leased somewhere else. The problem is those unauthorized inquiries artificially lowered my credit score.
Product: Checking or savings account

I got a letter from Citibank on XX/XX/2020 said that both of my saving accounts are closing and without any notice and no reason. One of my saving account still {$130000.00} on the account and other one is {$1800.00}. Citibank will issue me a official check for that balance to the address on file approximately thirty to sixty business days from the date of th is letter. But almost 4 months now and I still not receive my fund yet. I tried to call Citibank so many times and they said my accounts still blocked and hang off on me. I visited the Citibank branch and they said the same thing. Please help me I dont know what to do now
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts below are reflected on my credit report as revolving credit cards that do not belong to me. I have tried reaching out to the creditors and to the credit bureaus to dispute and remove these fraudulent accounts but have not been successful in getting this resolved. This is impacting the ability to buy a home and I need this removed as soon as possible. Below are the accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Below are collection accounts that do not belong to me : - XXXX XXXX XXXX  {$2000.00} -XXXX XXXX {$5000.00} XXXX XXXX XXXX {$420.00} -XXXX  {$0.00} -XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company, XXXX XXXX XXXX, allegedly acting on behalf of XXXX for a debt listed in the amount of {$370.00}, did not notify me of any debt ( XXXX ) owed to XXXX  prior to reporting this debt to the credit bureaus. I have no prior knowledge of this debt and was surprised to receive notifications almost simultaneously of a new collection account being added to my consumer reports by this company. I was not provided any opportunity to validate nor dispute this debt prior to it being reported to the credit bureaus by this debt collector as XXXX XXXX XXXX had not contacted me beforehand nor afterwards to inform me of the existence of any such debt in my name. This is a direct violation of my rights as a consumer under the FCRA and the only appropriate remedy is for this account to be immediately removed and blocked from any further reporting on my consumer reports. Failure to immediately remove this account subjects all of the involved offenders, including the credit bureaus allowing it to continue to be reported, to civil monetary restitution damages not less than {$5000.00} per occurrence in accordance with federal law, owed to the consumer, in addition to fines and fees for enabling and permitting the abusive debt collection practices being carried out by XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I accepted my first card payment with square for the amount of XXXX. I performed XXXX XXXX  on a customers XXXX/XXXX  XXXX. Square froze my account and refuses to give me the money or close the account. Despite no flags or disputes from my customer or his bank square refuses to give the money over and it remain the only transaction on the account. They still deny me a reason or the funds for up to six months. I have provided every number and Id they requested. Still nothing.
Product: Credit card

I signed up to receive a credit card from Chase for XXXX XXXX. I paid the {$5000.00} to receive the sign-up bonus within the first two weeks of having the card. They said that they would transfer the points on the first billing statement. It was XX/XX/XXXX. On XX/XX/XXXX chase stated they sent the points to XXXX XXXX. XXXX XXXX says they never received the transfer and can not help me. I called Chase various times and they refused to help me with receiving the points that they promised to provide.
Product: Vehicle loan or lease

On XX/XX/21 I was in a car accident. The accident wasnt my fault. A deer hit the back of my lease causing around XXXX in damage. Please dont quote me on that number its based off of memory. The car was put in the shop. I got 30 day rental through my insurance. My 30 days is up and the lease wasnt fixed through XXXX. Now the body shop and dealership agree that the pandemic has slowed the delivery of parts resulting in me being carless. 

Now theyre expecting me to pay my lease fees, but wont accommodate the rental. I cant afford rent, food, and other bills plus the lease, insurance, and now the additional transportation cost. 

Ive tried to resolve this with XXXX and the insurance company but they just give me the run around. Theyre saying eachother is responsible and wont work with me to come to a reasonable solution.
Product: Credit reporting or other personal consumer reports

Requesting removal of a new hard inquiry on my file Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by SALLIE MAE BANK was added to your credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp 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 see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize the following entities to check my credit, again! SANTANDER CONSUMER USA, XXXX XXXX XXXX, XXXX XXXX and XXXXXXXX XXXX. XXXX says their clients have to remove, their clients say XXXX has to remove. Be here done this, not up for the fight!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through XXXX bank. I was denied because my XXXX XXXX credit score was too low, however my score with the 3 MAJOR credit bureaus is 250 points higher than that reported by XXXX. In order to get a copy of my credit report from XXXX, they want me to send in copies of very personal documents which I am not comfortable sending to them. I believe it is just another way for them to gather my personal information in a highly illegal manner. I want all of my personal information held at XXXX to be immediately and permanently deleted.
Product: Mortgage

for several years i have been making weekly payments on my mortgage to citi mortgage. most months these payments exceed twice the required mortgage payment. after reviewing my statements, it appears not only does the lender charge me late fees even though i have never been late,, but does not apply my weekly payments properly or in a timely fashion. i have seen my payments held for weeks un-applied, causing me to pay more in interest ever month. after spending 3 hours over 2 days trying to resolve a late fee, i am giving up talking to the XXXX customer service people and filing a complaint. there is XXXX XXXX late fee and an unknown amount of interest that i have over paid due back to me.
Product: Debt collection

I am writing to file a formal complaint regarding a collection charge off account associated with my XXXX XXXX XXXX and account number ending in XXXX which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 2 ) ( a ) ( i ). It has come to my attention that Capital One has failed to adhere to legal obligations concerning the treatment of charged off accounts and the provision of necessary tax documentation. Under the FCRA, a charge off is considered income for the consumer and is subject to specific regulations, including the issuance of a Form 1099-C to the consumer for tax purposes. Despite the charge off of my account, I have not received any Form 1099-C from Capital One, as required by law. This failure to provide necessary tax documentation is a direct violation of my rights under federal law. Furthermore, the absence of proper documentation regarding the charge off account raises concerns about the accuracy and completeness of Capital One 's reporting to credit bureaus. As a consumer, I have the right to accurate and fair reporting of my credit information, and the failure to provide essential documentation undermines this right. I made a payment certified mailed to Capital One on XX/XX/XXXX with my Restrictive Endorsement
Product: Bank account or service

I opened a checking and savings account with Bank of America. At the time of opening the account I was told that I simply needed to transfer {$25.00} a month from my checking account to my savings account to avoid any fees. Later Bank of America converted m my savings account to a checking account ; -apparently due to the amount of transfers or withdrawals from my savings account over a rolling period. Since the.n I have been charged a monthly maintenance fee of roughly {$12.00} a month since XXXX of 2015. I was unaware that I was being charged this fee until two days ago and when I contacted Bank of America I spoke with XXXX individuals who placed blame on me, questioned my lack of balancing this account monthly and was told they could only refund {$12.00}. I explained to both representatives that I was unaware that I was being charged and did not notice until the day that I called. I explained to them that I originally opened this account as a savings account and was told that when it was converted that they provided ample opportunities for me to be made aware of these changes regardless if I recall them or not. I proceeded to explain that I still have the $ 25 monthly transfer set up and if I was aware that I was being charged I would have just closed the second checking account because I did not need it, I do not have checks or even a debit card linked to that account. I was again told a cookie cutter answer and ina politically correct way was told it was my fault for not noticing this sooner and that there was nothing either representative or their managers could do for me except refund one of the 18 monthly charges that have occurred,
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct # XXXX reporting incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes to Experian concerning items on my credit report. Each time, even after I re dispute it, it comes back within 3-4 days stating the lender certified to them this is accurate. I have even sent in disputes by mail asking for the contract of something where this information is accurate. I believe Experian is not a thoroughly investing my disputes, they are just going off the last dispute and closing them right out. Listed below, are the dates I disputed and also called to discuss these items : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX- called Experian to reopen dispute and express my dissatisfaction of how a lender can just say this is accurate, when in my letter I asked for this contract or something in writing confirming this was me.

XX/XX/XXXX, Mailed dispute XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 16811 ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX, experian, and XXXX did not modify or remove anything. 

The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my previous credit report and my new credit report to show how Experian violated my rights. 


XXXX Account XXXX XXXX XXXX Account Number : XXXX : XXXX Account XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX  Account XXXX, XXXX Account XXXX Validate Account XXXX Account XXXX XXXX. Validate Account XXXX XXXX  Account XXXX Validate Account XXXX Account XXXX Validate Account XXXX Account Number : XXXX Validate Account XXXX Account Number:XXXX Validate Account XXXX
Product: Credit reporting or other personal consumer reports

All of this began with the data breach at XXXX. Now, by credit card had been running high usage for up to 90 percent, so I paid XXXX XXXX dollars on the Discover to begin to address that issue. XXXX and Discover used the closures of XXXX XXXX  XXXX  as a reason to drop my limit to leave me at the same credit usage percent as before. Remember, I've never missed a payment ever. This drops my credit score my XXXX points. 
All because I wanted people who had breach my information and using credit cards under my credit profile to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX about this problem and also XXXX about this problem. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016. The account still showing Collection Charge off. Should not show that. Chapter XXXX Bankruptcy with a Discharge in XX/XX/2016.
Product: Credit reporting or other personal consumer reports

The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.
Product: Credit reporting or other personal consumer reports

An unauthorized " New Credit Inquiry '' from or at the " XXXX XXXX XXXX XXXX XXXX '' was made on XX/XX/2024 I have contacted XXXX, TRANSUNION AND XXXX and made filed a fraud alert with each of these credit reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Far Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has Violated my rights. 

15 U.S.C 1618 Section 602 A, States I have to right to Privacy.

15 U.S.C 1681 Section 604 A Section 2, Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b, A Creditor May not treat a payment on a Credit Card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on TransUnion, XXXX on XXXX. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

Per CUSHMAN v. TRANS UNION CORPORATION ( 1997 ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I received a flyer in the mail stating I was pre-approved for a loan. I followed the steps to apply online and was approved for {$840.00}. On XX/XX/XXXX I went into the store to complete my application and provide the required documents ( Drivers License, bank statement, debit card, and proof of income ). When the agent looked at my income she said they couldnt accept TANF as proof of income ; I challenged it and she asked another lady in the store. The other lady made a phone call and stated the same thing. I asked for a statement of denial. I called the number on the statement of denial. The agent there asked if she could contact the location I went to and call me back. When she did she said the same thing about my income. I repeatedly told them they could not deny me simply because I receive cash assistance, that was to no avail.
Product: Credit reporting or other personal consumer reports

THIS IS A REPEAT DISPUTE I filed a dispute against the account below reporting inaccurate information to XXXX XXXX, XXXX and XXXX. This account is deceptive, misleading and fraudulent. 
MIDLAND CREDIT MANAGEMENT XXXX reporting a past due amount of {$1100.00} This unlawful crime has caused me immediate financial harm by adverse action due to being denied any extension of credit. In accordance with my rights under 15 U.S. Code 1681o Civil liability for negligent noncompliance, the Fair Credit Reporting Act ( FCRA ). I have continuously demanded the contract and or agreement made to this company signed with my wet ink signature that legally binds me to the above debts. 

I request that the CFPB take action to ensure MIDLAND CREDIT MANAGEMENT complies with federal law and provide me, the consumer with the necessary proof of debt validation as this accounts is unlawful according to 18 U.S. Code 894 - Collection of extensions of credit by extortionate ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

( b ) In any prosecution under this section, for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected by extortionate means or that the nonrepayment thereof was punished by extortionate means. 
( c ) In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892 ( b ) ( 1 ) or the circumstances described in section 892 ( b ) ( 2 ), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection. 

Also to include The statute of limitations for debt collection is covered in Maryland Code, Courts and Judicial Proceedings 5-101.

The statute of limitations begins when the debt is incurred. For credit cards, this is when the first minimum payment is missed.

The 1st missed payment as reported by the original creditor is as follows : MIDLAND CREDIT MANAGEMENT XXXX/ The 1st missed payment as reported by the original creditor XXXX XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

After paying my loan for many years I became XXXX. Navient contacted me informing me that my payment has now almost doubled. I explained to Navient that the amount is too high and I am not able to work more to gain extra income to no avail. I offered medical documentation to no avail. I am now behind in my loan and Navient is destroying my credit rating making my life even harder.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were open without my consent, I have notified the companies and told them numerous times and same results, I need these off my credit immediately