23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I deposited a check using the Chase mobile banking app, on XXXX XXXX, 2016. The app deposited the check twice. I called to make sure everything was okay. They deducted the amount of the check from my account. A few days later, the check bounces due to it obviously having just been deposited. The check was deposited, but I 'm out the amount of the check - Chase took it from me and is not returning it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 which violates the Customer Financial Protection Act ( CFPA ). Specifically, cash app 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 has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

Step 1 : What is this complaint about? 
My mortgage company refuses to accurately report my mortgage on two of my three credit reports.

Step 2 : What type of problem are you having? Seven plus years of incorrect reporting by IHFA Step 3 : What happened? XXXX I filed Chapter XXXX  bankruptcy. NOT chapter XXXX, but chapter XXXX. For seven years I have had inconsistent reporting by IHFA. Some months they would report, some they would not. Some they would report that I paid my account in full. Some they would report that I filed Chapter XXXX. I have examples of these reports and I have turned those over to IHFA. 

In XXXX of XXXX my bankruptcy was removed from my credit report. I contacted IHFA  in XXXX asking when my credit report would FINALLY be corrected. I was told it would take a few weeks ( see attached email string ). I waited ; nothing. I have contacted IHFA six separate times, and they have refused to change my credit reporting and will not respond to why.

Step 4 : What company is this complaint about? Idaho Housing and Finance.

Step 5 : Who are the people involved? the only person who would give me a name is XXXX - but i have no last name or other identifying information.
Product: Credit card

I was contacted by XXXX XXXX of Citibank 's Office of the CEO and President ( she reports to XXXX XXXX ). I previously file a complaint in the begining of the month about my Credit Line being reduced due to a medical bill reported incorrectly to the Credit Bureau. I was not aware that my line was reduced until I reviewed my monthly billing statement and then started the Credit Bureau dispute process. Upon speaking with XXXX today, she indicated that I only had XXXX days per policy to contact them about the inaccurate information on my credit file. I was not aware of this since I have no recieved any communication from them about by Credit Line being reduced. The reducution caused by FICO to be reduced significantly and now I am XXXX points shy of qualifying for a mortgage because of this issue. The medical bill has sense been removed from the file. I am asking for Citibank to do XXXX of the following : -Restore the credit line to the original limit without pulling additional inquiriesor-Remove the tradeline from the Credit FileThis is very upsetting that this happened and now is impacting me from obtaining a home after I have saved $ XXXX to put down. I making over $ XXXX a year and have additional income outside my salary. Please consider my preferred resolution in order to allow me to obtain a new home. Thank you!
Product: Mortgage

From the beginning of my mortgage I have been paying my escrow directly, taxes and home owners insurance I have everything paid up today. Capital one sent me a letter about boring insurance for me ( very expensive ) I sent them a letter with proof of insurance bay fax and by mail. I thought the mistake was fixed, however when I try to make my mortgage payment in XX/XX/XXXX, I see that they have not fixed the problem and instead of charging me {$700.00} they charge me {$1200.00} ( includes escrow )
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my credit report that is inaccurate. My credit report is not reflecting maximum possible accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Company Name : Care Credit Problems : Interest, and supposedly missed payments..? 
People involved : Care Credit and Cardholder I have been paying on my care credit ( dental ) card since XXXX. I just got off the phone today XXXX XXXX XXXX, 2017 ) and I was speaking to a woman named XXXX about why my promotional balance was different than the current balance. I have never missed a payment for any of the promotional balances, and I never seen any other payments stated on my care credit account. So I asked her why that was, and she told me it was because of a charge of XXXX $ or so. She said there was also interest added from the time of the payment of XXXX $ every month sense. So I ask her, where is it stated at on my account? I tell her how I have been making payments since XXXX from a balance that started out at a little over XXXX $ and now its down to XXXX ( promotional balance ), so why would I still be getting charged for the monthly interest? Why is the XXXX $ not paid off yet if I have been making payments to the current balance. She tells me that unless I call and specifically ask for the payment to go towards the non-promotional balance that it will keep charging me, and it will not be paid off. But she says I have XXXX $ left of the XXXX $ charge? Which does n't make sense, given that my promotional balance is still being paid on. It does not state it on my account, I was being charged, they were saying my payments were late, but all it showed was just a difference in the charges that I just became aware of after I paid off the last promotional balance. So my last promotional balance shown says XXXX $ and the current balance is XXXX XXXX I just do n't understand how I can be charged interest for something that is not stated on my account or even presented next to the promotional balance, I was n't able to pay all of it at once which is why I had a promotional payment, but I have been, and am currently still making payments, so that XXXX $ should have already been paid off even so. Its not fair that I have to call to make a specific payment about a charge that is n't even stated on my account. If I am paying towards the CURRENT BALANCE than it should cover all charges that would be present, including the hidden non-promotional purchases.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft I have been trying to correct inaccurate information on my credit file for the past two years. This my second attempt to correct these errors. Im aware that according to FCRA 611 ( 5 ) ( a ) that if the consumer states after the 15 day reinvestigation that an item of information is inaccurate it must be promptly removed or corrected. Im demanding that these agencies correct my credit file.
Product: Mortgage

I started an FHA streamline refinance sometime around XXXX of XXXX. Between XX/XX/XXXX and now XX/XX/XXXX I have been scheduled to close 3 differnt times and 2 have been cancelled without notice from the mortgage company because of title or documents not being turned over on time on their end or from attorneys. This third time I received a cancellation now due to unable to verify income. Income documentation was never requested from me and mortgage has always been paid since being a customer with Freedom Mortgage. I called Freedom Mortgage this morning and also spoke to a representative that read some notes that stated it was because I was removing my parents off of the loan, which once again I never told them to remove anyone and months back I made Freedom Mortgage aware of that as well. This was an issue I was told about months back as well. I have emails and proof where I have been dealing with this issue for months. It seems like they have been falling out of compliance as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding XXXX Experian and XXXX XXXX Unathorized Reporting of Personal Information Dear Consumer Financial Protection Bureau I am writing to file a formal complaint against XXXX, a credit reporting agency, for what I believe to be a violation of consumer law as outlined in 16 U.S. Code 1681b ( a ) ( 2 ). I am deeply concerned about the unauthorized reporting of my personal information without my consent, which is a clear breach of my rights as a consumer under the Fair Cresit Reporting Act ( FCRA ) I have never authorized XXXX, Experian or XXXX to collect or report this information. This Unathorized reporting has had a negative effect on my credit profile and financial standing, potentially affecting my ability to secure loans, housing, or employment I have made multiple attempts to contact XXXX Experian and XXXX to rectify this situation, but I have not received a satisfactory response or resolution from them I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX Experian and XXXX complied with federal appropriate action to ensure that XXXX complied with federal consumer protection laws. Furthermore, I would appreciate if you could keep me informed about the progress and outcome of your investigation Enclosed with this complaint are copies of relevant documents. I appreciate your prompt attention to this matter and your commitment to uphold consumer rights. 

Thank you for your assistance on this matter Sincerely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported XXXX of my credit card accounts as Past Due but none of my credit reports contain the required XXXX XXXX field of Date of First Delinquency to comply with the FCRA and XXXX XXXX. XXXX is NOT XXXX XXXX Compliant mandating deletion of my accounts at least until the required field of Date of First Delinquency is entered into XXXX XXXX and displayed on my paper credit reports. Failure to promptly update my file with the Date of First Delinquency for each account of XXXX shall be considered to constitute separate and distinct willful violations of the FCRA and deliberate disregard for XXXX XXXX Reporting obligations.
Product: Credit card or prepaid card

Minimum interest charge {$2.00}. 
A charge of {$2.00} was debited to my account on XX/XX/2018 and once again on XX/XX/2018 for a total of {$4.00}. I normally pay my balance in full but I was expecting interest to be charged in XXXX because I carried a {$52.00} balance. I requested an explanation about the charge through Secure Online Message and over the phone, but every single time the representatives were insisting in explaining the general rule of being charged interest on credit cards. Today, XX/XX/XXXX, I was able to have the second charge waived because I paid the last statement in full ( my balance on my current statement was ironically {$2.00} only, the amount of the charge ). According to them the charge was referring to an average daily balance of {$7.00} which was outstanding until they receive my payment for the {$52.00} on XX/XX/XXXX. When I, again, requested to see where the Minimum Interest Charge rule is actually written, nobody could direct me to a specific disclosure. Customer service stated they will escalate my complaint. I read  several articles online and apparently Citi was supposed to stop this policy as the company was changing its method of calculating interest because of the new federal credit card law. However, I believe that they completely failed to communicate with customers in a clear way and provide them choices. Quickly waiving the second charge is in my opinion a way to avoid complaints, since the option is available over the phone without even talking to a representative.
Product: Payday loan, title loan, or personal loan

Advantage One Credit LLC has disappearedXX/XX/XXXX I have paid off my title loan I took out in XX/XX/XXXXand they have NOT released my lien on my car. They have athe original phone number disconnected and I have tried all numbers. Until last SundayXX/XX/XXXX I looked up the website there is a new 888 number but I have called over and over no answer or call back however the out going message has changed twice. I have emailed multiple times as well. XXXX XXXX XXXX XXXX XXXX XXXX of Oklahoma will not give me any information except a lawyers number who says she cant help me or any of the many people calling her. She did mention that she would let the new lender know and she told them to put a new number on the website. So she knows more then she is sharing. Yet still no contact from anyone. I have found multiple articles that they do not hold a licence in many states including Washington XXXX XXXX XXXX-not-licensed-washington-state I have information I will gladly give you with more details. They were unprofessional and not currant with any of the statements. I agreed to pay more just to close the account sending in a extra {$200.00} because they stated WE FEEL LIKE YOU NEED TO PAY MORE ..I have never heard of a company that said that They FEEL? AT this point I am going to the next level including the press I have started several complaints including FTC & DMV Please help me Thank you a very frustrated consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2007 XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

violation of 15 usc 1681e ( b ) faling to provide maximum possible accuracy. This must be deleted XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to XXXX, Transunion, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against the Credit Reporting Agencies ( CRAs ) for the following violations : Fraudulent Reporting of Charged-Off Accounts Failure to Honor Opt-Out Rights Under FCRA ( 15 U.S.C. 6802 ) CRAs are illegally reporting charged-off accounts on my credit report. A charged-off account is classified as income when reported to the IRS on a 1099-C form. According to the Fair Credit Reporting Act ( FCRA ), income can not legally be reported as a debt on a credit report. 

Violation : Reporting these charged-off accounts as debts is misleading, inaccurate, and against federal law under 15 U.S.C. 1681c ( a ), which prohibits the reporting of false information on a credit report. 

Under 15 U.S.C. 6802, I have the legal right to opt out of the sharing of my non-public personal information ( NPI ) at any time. Despite this, the CRAs have failed to honor my opt-out request and continue to use and share my data without my permission.

Lawful Right to Opt-Out : According to 12 C.F.R. 1016.10, consumers can opt out of the sharing of their information with third parties at any time, regardless of any prior authorizationswritten, verbal, implied, or otherwise.

Under 15 U.S.C. 6801, it is unlawful for any financial institution or Credit Reporting Agency ( CRA ) to report transaction history without my explicit consent. Congress has made it clear that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and to safeguard the security and confidentiality of their non-public personal information ( NPI ).

Violation : the CRAs have illegally reported my transaction history without my knowledge or consent. This is a clear breach of their statutory obligations under the Gramm-Leach-Bliley Act ( GLBA ) and related provisions of the FCRA.

Privacy Obligation : Under 15 U.S.C. 6801 ( b ), financial institutions are required to implement safeguards to ensure the privacy of their customers ' information. Reporting transaction history without proper authorization violates these obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit score from TransUnion, ( via  XXXX XXXX XXXX App ) my score dropped 8 points for  the month of XXXX XXXX XXXX from XXXX. It dropped 10 point during XX/XX/XXXX( XXXX ). Almost a combined 20 points in less than 1 year. The key factor listed affecting my score was " No recent bank/national revolving balances. '' In contacting TransUnion Credit services I was informed my score dropped because they want me to open more accounts. I 'm totally disheartened, and in disbelief because I 'm being punished for not being in debt, paying my credit cards on-time, and being literally forced and bullied into obtaining more lines of credit. At what point will by score continue to be lowered?! Until it 's just good. I 've worked extremely hard to ensure that I pay my bills and not go into debt. It 's taken me years to feel a great sense of financial freedom in not owing bills. I 've more than sufficient accounts open at other banks in total 4. This has to be addressed and corrected. I called on XXXX and was informed a call back from a manager and no response. Please HELP! Signed- XXXX
Product: Credit card

I am a victim of identity theft and I have advised the company the account was opened by the person that stole my identity. After several attempts of disputing this with the credit bureaus and contacting them directly they still say I am the one that opened the account which is completely false. I have requested copies of all documentation on the account and they have failed to provide this information. I am currently working with a lawyer to resolve this issue as well. I just need to clear my name from this company.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"