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

Capital One purchased my XXXX XXXX Visa from XXXX XXXX  and on XX/XX/2021 I signed onto XXXX  One 's website as instructed to active my new card. The website would not allow me to authenticate and kept returning a message that my address my incorrect. I called XXXX One at XXXX and spoke with XXXX in their XXXX XXXX, NV Call Center. I was told the address, phone numbers and employment information was all incorrect and that it must have been transferred over that way from the prior lender. They said they would correct the information and that it takes 9 to 16 weeks for their system to reflect a change. I immediately asked for a Manager and was transferred to XXXX, who said the information was corrected in their system and she isn't sure why XXXX would have told me it takes 9 to 16 weeks. She said XXXX One has many issues keeping customers data safe and accurate but the. employees have immediate ability to change the address and phone anytime and it updates immediately. I asked that my account be closed. Based on this experience I felt my personal data was at risk and that Capital One didn't know what they were doing. She closed my account as requested. Fast foreword to today. I received an alert from my credit monitoring that Capital One has reported a new address and phone number for me. I reviewed my credit report and Capital One has changed my address and phone numbers to the erroneous info they had originally on my account. I again called them and spoke with XXXX who transferred me to a Manager. I was told I'd have to contact the credit bureau as XXXX one doesn't fix credit bureau mistakes. I was told to write to the credit bureau. I pointed out that California Law says otherwise and I'll file a small claims action. Further, Federal Law also says otherwise and I'm complaining to the CFPB. I called the prior Bank and obtained a copy of what they transmitted to Capital One. This will support my Small Claims action claim form monetary damages. XXXX One obviously changed my address and phone numbers after they received the account. This means they either have rogue malicious employees or have suffered a data breech they are hiding from the oversight authorities! They need to correct my erroneous address and phone they put in my credit report.
Product: Mortgage

Ditech LLC assumed our mortgage in XXXX XXXX. They have now raised our escrow payment by {$140.00} per month despite the fact that we have had an overage in our escrow in past years under a different service company. Ditech has established a required beginning escrow balance of XXXX, which is not consistent with our original loan. Our current escrow balance is {$980.00} after paying hazard insurance for XXXX in full. The only amounts that remain to be levied are monthly PMI and property taxes that the XXXX Assessor 's office predicts will total {$3300.00} in XXXX XXXX. The company claims an anticipated {$4700.00} property tax bill. In 15 years, our highest property tax bill has been {$3800.00}. I have been unable to speak to anyone to correct this clear error in determining our escrow payment. This seems to be a continuation of bad practices engaged in by this company when it was Green Tree.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been with Experian credit reporting since 2017 and the customer service has been very poor. So, I recently did dispute over the phone, and received an email on XXXX to review the results. When I tried to enter the information ( report number and ID information ), it start to load in the web browser, but the web page is blank. So I logged into my Experian account and tried to from the online using the website but received the following error message " We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. Please try again later ''. I've spoken to several people over past two days with no one being able to assist. I've been transferred to call centers all around the world ( XXXX, XXXX, XXXX, XXXX ) and they all seem to be working in their own silos. Many of the representatives are rude, and less interested in solving customers problems. The management and leadership of the company seem to be lacking. The management team needs to know that they need be able to provide customer access to their personal data. Would like to escalate this feedback to XXXX XXXX the CEO of the company.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/XXXX I completed a balance transfer for {$5000.00} onto my Discover card. To this point the card was sparingly used and had auto payments set to " pay in full ''. After the balance transfer, this setting remained unchanged by Discover. There was no prompt for me to review my settings at any point. 

On XX/XX/XXXX, Discover attempted a {$5100.00} debit for the full balance from my checking account. The charge was declined by my bank due to insufficient funds, causing me to incur both a {$35.00} NSF from my bank as well as a {$16.00} charge from Discover. I contacted Discover customer service and informed them of the problem. I did not receive assistance in receiving credits for these fees ; they only offered to assist in changing my settings. 

I believe Discover was, at the least, negligent in allowing a pay in full payment setting to remain upon completion of a balance transfer. Obviously, people with the means and intent to pay a balance in full are not completing balance transfers in the first place. It defies logic. I believe there is a responsibility to, at minimum, prompt the user to review their payment settings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted business Equifax a few times about something reporting to my business credit negatively. Im unsure of what it is and asked to have someone send information about the negative report. XX/XX/XXXX I received a credit report from Exquifax commercial credit report. I sent the filled out information back XX/XX/XXXX and its now over 30 days later and I still havent received any letter or email back.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benefit from any of the following inquiries or accounts. Block and remove them. 
I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : XXXX  - XX/XX/year> XXXX XXXX XXXX XX/XX/year> 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 or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Consumer believes PNC Bank breached the terms of a personal checking account promotion : {$400.00} bonus to be posted within 60-90 days of qualifying activities. 

Consumer met the qualification criteria on XX/XX/. As of XX/XX/, the {$400.00} signup bonus as not posted. 

Relief sought : {$400.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( ( A ) - ( B ) ) as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that CFBP take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protectio

n 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 proce 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: Vehicle loan or lease

Some where around XXXX XXXX or couple days after. I was told by salesman that my credit was froze I un froze it and a hard inquiry. Put car in husband name it was my car that XXXX XXXX. XXXX XXXX XXXX  and I told the XXXX everything. He said he had me. I want my {$2500.00} my money for my car that was not put anywhere on car. My husband didn't want to be on car because my car XXXX XXXX and he was there. I have bought new vehicles so many times in my lifetime this is so wrong. Car note ev we n highrt.
Product: Checking or savings account

Some one hacked me on my chase banking on line using my routing and checking number
Product: Credit reporting or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

The company has responded to the complaint # XXXX. In a letter sent to the company XX/XX/2014, I notified the company that their claim was disputed. 
In the same letter, I requested that this company validate a debt for which they say I owed. I requested that the company provide me with competent evidence that I have any legal obligation to pay. I asked that they please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

To my request, the company responded with a debt collection letter from a company. In that same letter, it changed the dollar amount to a handwritten amount. 

The company did not validate the dept. It did not prove the Statute of Limitations has not expired on this account. It did not show me that they are licensed to collect in my state. It did not provide me with its license numbers and Registered Agent. It did not explain and show me how it calculated what I they say I owe. It did not provide me with competent evidence that I have any legal obligation to pay them. 

I do not know who this company is. 

This company has knowingly reported invalidated information to the three major Credit Bureau 's ( XXXX, XXXX and XXXX ).
Product: Mortgage

The mortgage is a 50 year mortgage with a 30 year balloon. This mortgage is an Adjustable Rate Mortgage. I was told it was a 30-year loan and it is not.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress to these issues
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : 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: Credit card or prepaid card

Back in XXXX of XXXX I found that I was being charged for a " Debt Protection Fee '' on my Best Buy Credit Card that I didn't know that I was enrolled in. I reached out to Best Buy and they told me they were going to look into it and mail me a response of their findings and possibly a refund. I never received anything in the mail. I signed into my Best Buy Credit Card account to see if I can find anything regarding the " Debt Protection Fee ''. I found that they sent me two emails to this account but I never received a notification. In the first email of XX/XX/XXXX, they acknowledged that I inquired about the " Debt Protection Fee '' and that I wanted it cancelled. In the second email of XX/XX/XXXX, they informed me that the " Debt Protection '' was  cancelled and that the fees charged to me are " Valid and Non-Refundable ''. Also in this second Email it says that I " Purchased '' the " Debt Protection '' on XX/XX/XXXX. I didn't have any knowledge of purchasing or enrolling to " Debt Protection ''. No employee ever told me I purchased or enrolled in the " Debt Protection ''.  Unfortunately, I only have visibility to statements from XXXX and the yearly charges are ( XXXX - XXXX and XXXX - XXXX ) and I am unable to view any charges from XXXX and prior.
Product: Mortgage

I am a XXXX helping a borrower of Wells Fargo ( WF ) who is behind on her payments. A request for modification assistance has been submitted to WF on their proscribed forms. I have attempted on several occasions to contact the single point of contact ( XXXX ) designated by WF and each time have had to leave a voicemail message without any response. Yesterday, I was told that I needed to schedule a specific time for a call back by the XXXX, which I did ( XXXX my time ) and still no call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

My student loans were locked in a low interest rate. Navient convinced me to reconsolidate my loans in order to get them in good standing. I hadn't been able to make any payments on them so my loan was in default. Now, 6 years later, the interest on my loan has increased the total amount do by {$15000.00}. I was not aware of the change of interest rate associated with the loan consolidation they talked me into. This is making it so I will never be able to pay off the loan and will continue to owe more money from the inflated interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I have filed a complaint against equifax. I have not been able to access a credit report through then since XX/XX/22. Not only will my score not pull, banks cant access it either and they have my name wrong. I have submitted all documents to them to correct my name twice and its still wrong. They say its fixed and send me a hard copy of my report in the mail and my name is still wrong on the report and the credit pull is old and doesnt have updated information and my bank cant pull the report themselves. I have been trying to buy a house for a year and cant because of equifax. I logged onto my account with them today and now Im getting a code BLNK. I called to tell them and they said nothing is wrong on their end, I also told them my name still hasnt been fixed. 
Its been a year. Equifax will not help!
Product: Debt collection

The original holder of the debt sent me a bill for {$470.00} in XX/XX/XXXX. I called them and asked if they offered a discount for uninsured patients. I talked with someone named XXXX. She told me that they offered a 25 % discount to uninsured patients, and she said she would send me a new bill in the mail. A few days later, I received a bill say that the bill is {$350.00} for self-pay patients. That letter is dated XX/XX/XXXX. 

Within a month, this bill was sent to collection to the Credit Bureau of Lancaster County , Inc . They said I owed {$470.00}. I faxed them a copy of the bill in which I was told I owed {$350.00}. They responded with a letter dated XX/XX/XXXX saying that the discount did not apply if the bill was sent to collection. However, that is not what XXXX said, and that is not what it said in the bill that was mailed to me on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated XXXX, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. XXXX would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputed XXXX 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.
Product: Credit reporting or other personal consumer reports

While trying to get approved for a home equity line, I learned that experian was reporting on my credit report a loan that I never took out. I submitted a police report, showing that this was fraudulent activity, and experian is not willing to make any changes to my report. Theyre also not willing to do the research with XXXX who is allegedly where the loan originated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number:XXXX Account name : XXXX  Account number:XXXX  Account name : DEPTEDXXXX Account number:XXXX  Account name : XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 or has reasonable cause to believe that the information is inaccurate.