23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I earned points through Chase Southwest affiliate card. I wanted to transfer some points to my wife so I started the transfer process of the points. They indicated the points would be XXXX for the XXXX points however I thought it was just the amount of value I was transferring and proceeded with the transaction. The value of the points are roughly XXXX so I assumed there is no way they would charge me XXXX to transfer XXXX worth of points as it is illogical and makes no sense. When I realized they did intend to charge me on XX/XX/XXXX I called both Chase and Southwest and again on XX/XX/XXXX. Chase issued a provisional credit ; however, they made it sound like there was nothing they can do and that it would probably stand. All I wanted SW to do was reverse the transaction as it was an error and they refused. The transferred points are still there. Southwest has zero flexibility in this regard and will not do the right thing for a customer and simply reverse the transaction which was made in error as a result of their deceptive fee for transferring points. All I am asking for is for the transaction to be reversed- it would cost them nothing. I believe their site is misleading and the fees totally deceptive and excessive as they mirror the value of the points. Why even offer the option to transfer? There are many similar complaints online regarding their lack of flexibility but this appears to be a basic theft of points. Chase is complicit as well as this is their marketing partner and they are acting as if they are not a party to this.
Product: Vehicle loan or lease

I purchased a Hyundai XXXX in XXXX ( XXXX model ). I bought the car and got financed for it in XXXX, California. A year later I moved to Texas and then came back to California in XXXX. I fully paid off the loan in XXXX. I called Hyundai Finance multiple times for the title and they told me that because of the last name change ( due to marriage ) they need my marriage certificate. I faxed it as requested but still never got that title. I called couple more times but did not get anything. Last year ( XXXX ) the car got stolen. I called Hyundai finance again for the title. They sent me a letter saying they have no interest in the vehicle and that its been paid off. It was addressed to Texas DMV. I called Texas DMV and they said the car was purchased in California and is registered in California and they have dont have title for it. I took that letter to a California DMV. The agent at the DMV said they cant issue the title. Hyundai should do it. Called hyundai again. I got another letter, same thing. No title. 
It's been over a year since the car is stolen. I couldn't get my insurance money because of the title issue.
Product: Mortgage

I purchased my house using a conventional loan in XXXX XXXX and decided to refinance it with XXXX XXXX bank. The broker at the time offered me an adjustable loan with the options of paying the minimal, interest only, or the full amount ; however, during our discussion he was less than transparent when I accepted the adjustable loan and did not inform me of the consequences of just paying the minimal, interest-only or the full amount when making my mortgage payment : to my dismay, {$1000.00} was attached to my principal balance each month when I paid anything accept the full amount with an interest rate of 8.75 percent. 
To my shock and disbelief, I was devastated to find this out! My mortgage loan went from {$240.00} and accumulated to {$260.00}. That was an increase of {$20000.00} dollars attached to my principal balance, better known as negative amortization. In XXXX at the beginning of the recession XXXX XXXX sold my loan to IndyMac. I applied for a loan modification and worked with IndyMac for more than a year to modify my loan to a more affordable rate. However, IndyMac consistently delayed the process over and over again stating that I did not file the necessary documents in spite of me sending them the same documents they requested over and over again. Eventually, I just gave up trying. 
Subsequently, I tried to short-sale my home and IndyMac also denied a short-sale. While losing my job IndyMac still refuse to work with me in granting a solution to enable me to keep my home. I also tried XXXX XXXX, and all other advocates to help me keep my home to no avail. 
Because my home is not under XXXX or XXXX XXXX, no financial institution was willing to work with me to refinance my mortgage. Therefore, the only option that is left will eventually lead to foreclosure of my home that I lived in for over 11 years. As a veteran, who served his country for XXXX years, I am simply appalled how these financial institutions " thank me for my service '' by using unethical and predatory lending practices to cheat and fill their pockets of veterans ( and citizens ) with hope that the borrower will foreclose on his/her property to collect the insurance benefits and resell the home at market value to increase their profits XXXX folds.
Product: Credit reporting, credit repair services, or other personal consumer reports

*****Hello, My name is " '' '' '' XXXX XXXX '' '' ''. I have tried to correct my credit report over the past 2 years but none of it works. I notice that all of the employment information and some of the addresses that are listed in my **credit report***. There are also several incorrect information that exist in my credit report that not belong to me or any of our business. I really demand to have all of these information clear off my credit account. Here are the addresses and employment information : & & & & & & & & & & & & & & & & & & & & & *XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ ***ADDRESSES REPORTED XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX **************************
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card

Commenity Bank has repeatedlyvcharged excessive late fees and interest on my cards. They told me their policy doesn't allow for waiver or late fee removal. Then told me they only will remove XXXX late fee in a XXXX month period and that's not even the full amount only half. But then turned around and said its at the discretion of the company. Their being discriminatory and picking who they waive late fees for. This was not part of the terms and agreement when I got my cards. They've also changed the payment time must be in to avoid a late fee. It went from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They use that threshold to accumulate excessive late fee charges.
Product: Debt collection

Had asked for verification and validation of this inaccurate debt reporting on my consumer report months ago. It has not been validated. It is reporting inaccurate information on my credit report without any proof sent showing it is accurate. This is a Violation of the FCRA and the FDCPA. The account is still reporting on my consumer report and I am going to take full legal action immediately. And I will be seeking for damages up to {$1000.00} per violation for willful noncompliance, and reporting unverified information reported to a consumer reporting agency.
Product: Debt collection

Im currently in the middle of purchasing a home so Im watching my credit closely XX/XX/XXXX I get a collection account posted to my credit report from a company called ERC in reference to XXXX. I immediately notified the credit bureau to look into this matter because I have n't had any business with XXXX or ERC no phone call or mail stating I owe anything. The credit bureau did there investigations and deleted it from my file. It is now XX/XX/XXXX and I check my report and there 's another collection from the same company this time saying XXXX again in which I never even had business with XXXX or ERC this company is damaging my credit with false information. To my knowledge in the past if you owed an account the creditor will call and send you letters in this case I just been getting false information slammed on my credit with no phone call no mail giving me 30 days to validate the alleged debt.
Product: Student loan

Hi. This complaint is partially directed at the CFPB. CFPB previous closed a complaint against FedLoan and failed to verify that the file provided to CFPB by FedLoan, which you posted as adequate evidence, was even a valid file.

It is not. No application will open it. You could not possibly have completed an evaluation based on a corrupt file with no content.
Product: Debt collection

Under the FCRA, Trident asset Management and XXXX have violated my rights. 
The FCRA have laws that are in place to protect my rights as a consumer. After a carefully review of my credit report, I noticed a collection account from Trident Asset Management. This collection account is in connection with The XXXX XXXX XXXX, XXXX. As a consumer I have the right to dispute, request debt validation and method of verification. A debt validation was sent to Trident asset Management and this company fail to respond. A method of verification was sent to XXXX and the credit reporting agency fail to respond with the method of verification. The FCRA have laws in place to protect my rights as a consumer. The failurs of Trident Asset Management and XXXX are serious violations of my rights and a clear disregard for federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of account I believe has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 are as follows. 
Account name & Account -Nelnet- 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 

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. 


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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft and I filed a police report and provided to the credit bureaus however they have not provided me with detailed information I have requested which is required by law according to my attorney. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts that I did not open nor authorize and are due to Identity Theft listed below : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX Capital one sent me the following email " XXXX, Were closing your Savor account ending in XXXX because your purchase activity has not been consistent with our expectations of how consumer accounts are used. Your account will be closed on or after XX/XX/2019. If you have a rewards balance at that time, it will be issued to you in the form of a check or a statement credit. '' The email stated that my account will be closed XX/XX/XXXX and that all my rewards up until that date will be credited to me. Capital one LIED in this email. My account was not closed on XX/XX/XXXX capital one decided to close my account XX/XX/XXXX so there email to me was a total LIE. Furthermore I had {$35.00} in completed cashback and {$130.00} in pending cashback on XX/XX/XXXX when Capital One decided to close my account 30 days before the date there email said they would be closing my account. I am owed {$170.00} in cashback rewards. Please send me my {$170.00} in cashback I am owed immediately ASAP or I will be taking this matter to the courts. 

Furthermore Capital one advertises this credit card as " Earn unlimited 4 % cash back on dining and entertainment '' but its not really unlimited. There advertising is false. If you purchase to many items in there " unlimited '' category they will close your account. This is false advertising.
Product: Credit reporting, credit repair services, or other personal consumer reports

Didn't remove old account from my credit report from 5 to 8yrs ago. Still showing up on my account.
Product: Checking or savings account

Checking account was frozen/ process of being closed on XX/XX/2023 by US Bank due to fraud. US bank closed account on XX/XX/2023. My remaining checking account balance was around {$1700.00}. 

I was told by branch manager XXXX XXXX over the phone that the remaining funds would be mailed to my current address in the form of cashiers check. Two weeks went by after XX/XX/2023 and I did not receive anything in the mail. 

I called the US Bank XXXX number on XX/XX/2023 and spoke with the fraud department. The fraud department stated that the information of the cashiers check being mailed to me was wrong and that I was to receive the cashiers check in person from Branch XXXX XXXX XXXX at their location at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I spoke with branch manager XXXX XXXX on XX/XX/2023 and he stated the funds would need to be sent to the branch before he could issue a cashiers check to me in person, and that he would phone call me when that has happened. It is now XX/XX/2023 and I have still not been contacted by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

The reporting for this account is factually incorrect in multiple ways : - I have previously requested validation of this account, which was not properly completed, nor was an accurate accounting of it received by me. 
- This vehicle was repossessed and had GAP insurance. The repossession cut the original balance. As a repossession counts as a loss, the finance company was paid the balance. 
- Even if I didnt have GAP insurance ( but I did ), the balance on my credit reports reflects late payments after the repossession. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. 
- Late payments continued to be reported after the repossession. A monthly payment should not exist after a repossession has occurred. 

Attachment shows balance right after repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried working with Transunion in regards to many unauthorized inquiries on my report. I told the representative that these inquiries are not mine and that I have a fraud alert on my credit report so why are there inquiries without my authorization and ask them to verify the inquiries on my behalf. They refuse to and said they can't do it and I have to call each individual company and dispute it with them. Since I didn't authorize the inquiries I feel its Transunion who should verify the accuracy of the inquiries. They refuse to. Please help me file a complaint against Transunion and help me remove these unauthorized inquiries. I have list the inquiries below. 

1_ XXXX XXXX XXXX _ Inquiry date XX/XX/XXXX 2_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 3_XXXX XXXX XXXX _ Inquiry date XX/XX/XXXX 4_XXXX XXXX _ Inquiry date XX/XX/XXXX 5_ XXXX XXXX _ Inquiry date XX/XX/XXXX 6_ XXXX XXXX XXXX _ Inquiry dateXX/XX/XXXX 7_XXXX Auto Finance _ Inquiry date XX/XX/XXXX 8_ XXXX XXXX _ Inquiry XX/XX/XXXX 9_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 10_ XXXX/XXXX  _ Inquiry date XX/XX/XXXX 11_ XXXX/XXXX  XXXX  _ Inquiry date XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 redres 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
Product: Credit reporting or other personal consumer reports

United Revenue CollectionXXXX XXXX XXXX-Medical Collection Debt-Disputed and it still appears Hard Inquires still appearing on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband and I got a divorce. Per speaking to a Navy Federal representative prior to our divorce we were told we needed to provide a divorce decree and quit claim deed removing me from the home and then I would be let off the mortgage. After we completed all of this and then submitted this paperwork I was informed that their rules had changed and I would not be allowed off the mortgage until my ex husband did a few other things. I am unable to get him to do any of those things as we were divorced at that point.

I have contacted Navy Federal and disputed this being reported on my credit for years however it still remains. In XXXX my ex husband was permitted to extend the mortgage for an additional 10 years to a 40 year mortgage and add some personal debt to it. I did not sign this paperwork and his sister is the notary who notarized it. I disputed this again given that I do not know how this could have even been legal however have been turned down again.

My ex husband does not pay the mortgage on time, does not live in the home and this is literally ruining my life. I can never get approved for anything and if I do it is at the cost of a ridiculous rate. I want this mortgage which was unethically and possibly even illegally extended and added to without my consent removed from my credit reporting.
Product: Debt collection

They did not send me any initial communication alerting me of this debt. Please be advised, I dispute the validity of the alleged debt in its entirety. 
Further I request verification of the alleged debt, including, ( 1 ) the name and address of the original creditor, ( 2 ) copy of the oral or written request or application for the alleged account, ( 3 ) copy of a signed contract or signed agreement with the alleged original creditor, and ( 4 ) previous 12 months of statements of account. They are illegally attempting to collect an alleged debt and money that I do not owe. 
As per the law, including the Fair Debt Collection Practices Act, cease and desist all collection activity, including all credit reporting activity. 
Promptly request deletion of any prior credit reporting to credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, Equifax, XXXX. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX at XXXX XXXX on XX/XX/XXXX.

INACCURATE : 1. XXXX, 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX  XXXX   EQUIFAX XXXX  PLEASE REMOVE THE ERRORED ADDRESSES THAT ARE ON MY FILE.
Product: Credit reporting

I have contaced Equifax in the past regarding XXXX accounts listed with XXXX XXXX. The XXXX accounts were reporting inaccurate information, so XXXX XXXX opted to delete the tradelines. The XXXX other credit breaus have deleted the XXXX trade lines how ever equinox will not. XXXX XXXX account # XXXX - and account number XXXX. The accounts were reporting incorrectly and XXXX XXXX agreeded to delete the XXXX tradlines. I have enclosed a copy of the letter from XXXX XXXX as proof to delete the trade lines.