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

Lowes stated that my payment bounced back due to not being able to find the account. This was the same account i used for previous payments and later on payment. Then they started adding on late fees but did not alert me to the missing payment. Then they hid the fees from me. When i would go to their website it would give me the option of the minimum payment of {$40.00} or {$45.00} and again still not showing that a payment was missed or a late fee was added. 

This went on for XXXX months until i started looking at my statement. On the XX/XX/2022 statement it shows the return of the payment but without an explanation or an alert to what was going on. Again after this date i was still given the option of making the minimum payment while they again charged me a late fee. 

On XX/XX/2022 i attempted to contact lowes credit and was only given the option on chatting with a computer or a live person. during the live chat i was passed around to XXXX different chat people. i asked multiple times for a phone number and was not given the number. it was not until i said i was filing a complaint i was given the number to talk to a real person. 
With only one fee reduced i was required to pay the full amount without any help. I feel i was mislead and fees where hidden so that other charges could add up When i was able to talk to a real person it was given the same story and run around.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block.inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act ( CFPA ) specifically, cashapp had failed to make timely and effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected furthermore there dispute resolution processe was unfair and deceptive, as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a HIPPA violation complaint with XXXX XXXX  for. 
XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX. 
I am continuing to receive harassing calls and questioning about my medical issue. This is a HIPPA privacy violation as I have not authorized the release. Please see original complaint to XXXX against XXXX and Equifax. Please direct them to investigate or remove this account from my report. Here is XXXX complaint Receipt Number : XXXX. 

XXXX HAS CORRECTED IT MISTAKE SO WHY HAVE THE OTHER 2 CREDIT BUREAU?
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed several inquiries I did not authorize. Please see the following inquiries showing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company begins calling me 1 day before my payment is due and then continues to call me 6-7 times daily until the balance is paid. I have never been more than 10 days late on a payment and continue to receive repetitive calls each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. XXXX clearly stated that they could not locate the following Bankruptcy records on my file. 

Bankruptcy XXXX. XXXX Bankruptcy XXXX. XXXX If XXXX can't locate it on my file. It means that this a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act.

Please don't close this complain saying ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) because I need these Bankruptcy removed in my Credit Report because they are hurting my credit sc
ore so bad.
Product: Credit reporting or other personal consumer reports

There are XXXX inquires on my XXXX that doesn't belong due yo identity theft There are XXXX inquires On my XXXX that does not belong due to identity theft And XXXX inquires on my Experian that does not belong due to identity theft
Product: Prepaid card

Incomm Vanilla Visa 's customer service agent XXXX, employee number XXXX, blocked my replacement gift card without my consent. I called in today, XX/XX/XXXX, to check on the status of my replacement card because I was quoted a seven to 10 business day delivery time frame for the replacement card. Today is the 11th business day. All I wanted her to do was check on the delivery status, but she went ahead and blocked/canceled the replacement card without my authorization. Now I am out XXXX USD for an additional two weeks and, in total, this makes it one whole month of waiting. Incomm owes me a {$500.00} Vanilla Visa gift card because I was initially sold a non-working card. This card did not work when swiped at any register. This is totally unacceptable, unprofessional and highly unethical to make me wait an extra two weeks for Incomm 's employee 's mistake. Incomm needs to train their employees much better. Customer service is extremely terrible and there is no way to speak to a manager.
Product: Checking or savings account

I had multiple over draft changes and not sure if I would be in the field suit
Product: Credit card or prepaid card

I have been getting strange emails from the credit reporting agency saying something about a dispute from your bank Just curious if they have the wrong person could you tell me if you got any disputes from any of the reporting company for me? Just curious they have the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter from a credit reporting agency stating they have done multiple reinvestigations with a third party vendor verifying the bankruptcy in question. The third party vendor LexisNexis doesnt have a reported bankruptcy against me on their credit file held under my SSN number. How is the credit reporting agency verifying data during a reinvestigation with LexisNexis when theres nothing there to verify? Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. LexisNexis furnished this inaccurate unverifiable information to the credit reporting agencies, so they must furnish new information to the credit bureaus to remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX - I never provided this agency permission to run my credit. 
If they are associated with XXXX, then this is fraud. The loan officer XXXX XXXX provided fraudulent documentation in which ill be filing a specific complaint with HUD, CFPB. 
DATES : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

2. XXXX XXXX - Misuse of my information. Multiple inquiries within 30days. I called on XX/XX/XXXX to resolve, per the information provided by rep on XX/XX/XXXX, I never spoke to the rep mentioned. 
DATES : XX/XX/XXXX, XX/XX/XXXX. 

3. Credit Tech - I never granted this agency to access my credit. 
If they are associated with XXXX XXXX XXXX, my information was misused and sold despite being told that they no longer offered the XXXX loan product due to COVID-19. if XXXX XXXX is affiliated with this transaction, he stopped responding. 
DATES : XX/XX/XXXX & XX/XX/XXXX. 

4. XXXX - Im not familiar with this transaction. I tried calling but was not able to reach anyone. 
DATES : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX XXXX XXXX and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I reached out for the payoff on my loan as well as an address to send a check to. As address was given to a XXXX XXXX XXXX XXXX. A check, with the payoff amount given was sent US Certified Mail with a tracking number that same day. On XX/XX/XXXX, the tracking information showed that someone had picked up the check from the Post Office. I was told by some customer service reps that they had the check, and others that they did not. I would need to wait XXXX weeks for it to be posted on the account. Two weeks came and went and on XX/XX/XXXX I was informed they had given me the wrong address and they needed to locate the check. All the while they wanted me to continue payments. I was told that this case would be escalated and I would be contacted in 3-5 business days. I was not. I was told that I should have the check cancelled and a new one sent at a higher amount. The new check was sent also US Certified mail with a tracking number on XX/XX/XXXX. On XX/XX/XXXX I received an email that the check was found, but it had already been cancelled per their recommendation. I am keeping an eye on the current tracking information as it says arriving but late.
Product: Checking or savings account

RBFCU terminated my debit card due to many fraud claims that was not my fault at all. I tried to rectify the situation with XXXX  and they were no use so I had to contact my bank. What are banks for i we can not report problems if the first source will not help.
Product: Debt collection

Portfolio Recovery keeps calling on different fake numbers ( the one today was XXXX ). We have told them numerous times to quit calling this business number. The debt is from years ago and past any time for legal collection actions. They sent a letter to this effect. Under FCRA, they are not to call if told not to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

When applying for a mortgage, my credit report came back and showed my student loans as duplicates one from XXXX ( current loan servicer ) and Aidvantage, which was the original servicer which had transferred my loans to XXXX. These loans were transferred on XX/XX/2023.
Product: Debt collection

I never knew about this payment from XXXX. I have never made a late payment and now I see this has been sent to collections. I was not aware of this payment. My credit score is extremely low and I have been working hard to keep good credit. If I was never informed about a payment how is that fair that it is sent to collections because like I said I always pay things on time.
Product: Debt collection

I received a debt notice from you. This is not my debt. I have been the victim of identity theft. Since it is not my debt I have no idea of what name you have, either my married name, XXXX XXXX, which I haven't used since XX/XX/2005, or my maiden name, XXXX XXXX. I attached all my ID docs and police reports and proof of my identity. and an identity theft affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX Balance : {$1900.00} XXXX XXXXY ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$710.00} EQUIFAX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} XXXX : XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$710.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

MY LOAN WAS ORIGINALLY WITH XXXX. THEN XXXX XXXX XXXX. THEN DURING A LAWSUIT AND FORECLOSURE, XXXX XXXX XXXX TRANSFERRED OUR LOAN TO BAYVIEW LOAN SERVICING. WE SETTLED WITH THEM AND THEY FINALLY MODIFIED THE LOAN. BAYVIEW HAD THE LOAN UP UNTIL XX/XX/XXXX AND IT WAS AGAIN TRANSFERRED BACK TO XXXX   XXXX XXXX. NEITHER BANK WILL RESPOND TO MY REQUESTS. 

On XX/XX/XXXX Bayview Loan Servicing cashed a refund check # XXXX in the amount of {$1000.00} from the XXXX County, CA tax assessor, for a property tax appeal that I initiated and won. These funds were due ME and/or were to be put into my ESCROW account for property taxes. Bayview did not allocate these funds to my account and there is no record on my escrow statement where the funds went. 

There is a second check for the second half of the tax installment of {$1000.00} that has gone " missing '' and has not been cashed. I have requested five times to have Bayview request a STOP payment on check # XXXX in the amount of {$1000.00} and have it re-issued to either me, or now that XXXX XXXX XXXX owns the loan again, to them. I have sent a letter that instructs them to contact XXXX, at the XXXX County Assessors office XXXX. Her # is XXXX. Also to be put in the letter that any future refunds and or correspondence from the XXXX County CA, Assessors office - be transferred to XXXX   XXXX XXXX, as if the next property tax appeal results are the same, they will be refunded to Bayview unless this is done in ADVANCE. I have another property tax appeal coming up and any future refunds need to be sent to XXXX  XXXX XXXX, not Bayview Loan Servicing. 

The Mortgage interest statement from Bayview Loan Servicing and XXXX XXXX XXXX statements DO NOT MATCH and have conflicting figures. Both show different deferred interest amounts and loan balances. 

This needs to be corrected immediately as XXXX XXXX XXXX is requesting a $ 4800+ cushion in my account when I should already have {$2100.00} cushion in the account. This puts our payment in an uncomfortable amount financially and I do not want to default. 

Both banks will NOT RESPOND TO MY REQUESTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - they are reporting under two names with incorrect information on my Transunion, XXXX & XXXX report. I have tried to call on several attempts and get a pre recorded message stating my account is being handled by someone else. XXXX XXXX XXXX  is reporting my payment is has never been late or behind with a reporting balance of {$540.00} on my XXXX report and on my Transunion report I see a company by the name of XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX - reporting balance {$820.00}. I have made several attempts to getting this issue resolved by both credit reporting agencies and the company reporting the incorrect information i have recently again disputed the information on XXXX XXXX & TransUnion received my request onXX/XX/2018 my current file number : XXXX.
Product: Debt collection

CFPB Complaint against Credit Reporting Agencies : XXXX XXXX, SSN : XXXX ; DOB : XX/XX/XXXX. The CFPB complaint has been filed to request pursuant to FRCA XXXX ( XXXX. XXXX ) that you, Equifax, XXXX, XXXX XXXX reporting agency , block/remove information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The fraudulent, inaccurate, and false information accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

this debt collector engage in abusive deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign a agreement on a legal contract is signed by two parties and i did not participate in any of it more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA im entitled to XXXX dollars per violation and cleary they violated my rights
Product: Checking or savings account

I opened a checking account with Citibank on XX/XX/year> funded with my payroll check, received an email confirming my account open and confirmed my online access both online and the mobile app. Within 10 minutes I could no longer access my account online or the app, I call customer service on XX/XX/scrub>XXXX XXXX XXXX I waited on hold for over XXXX minutes, transferred twice, disconnected, call back was basically called a liar when I was asked for my phone number to send me a text, was told my phone number is ineligible to receive a text message, Strange that any other bank can text me, Asked for my security word, I tell them and I am told No its wrong, NO IT IS NOT, hung up on. Called 4 more times that day and not a single person could help me, they just read a script, Chatted online and told again I can not help you, Call 5 times on XX/XX/XXXX and same deal, transferred twice and still no help no answers, meanwhile i am receiving texts and emails stating my account is open and ready to view and read the messages sent to my message center, I CAN NOT ACCESS MY ACCOUNT, Where is my money? Nobody will answer my concerns. I receive an text and email saying my deposit was accepted, but i can not access my account, call 27 times between XX/XX/XXXX thru the XXXX and left hanging. received response to a few emails I sent saying Call customer service, I have SEVERAL times and no answers. On XX/XX/XXXX receive email saying I have violated terms and conditions!! How could I when I made one deposit payroll check that I have confirmation that was cleared. Where is my money? The MAJOR issue is my wife has XXXX and had to miss XXXX as Citibank refused me accsess to my funds to get her to the XXXX center XXXX miles away, This is a life and death matter, I have no idea where my money is at, I have been blocked I believe as when i call It automatically disconnects, I can use my wifes cell phone and will go thru, I MUST HAVE MY MONEY AS WE HAVE ANOTHER XXXX treatment next week, again i can not express how important this is. Why all of a sudden was my account closed with no warning no answers as to why, I have all emails and texts.
Product: Credit reporting or other personal consumer reports

I observed incorrect accounts on my credit report this evening, and Im unsure of the reason. Upon my usual check, I encountered these discrepancies unexpectedly. I refreshed my browser, hoping it was a temporary issue, but the inaccuracies were still there. Therefore, I am requesting a thorough review of the submitted documents to prevent future concerns.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I am trying to set up credit freezes with the three credit reporting companies for an " incapacitated adult '' with XXXX who without clear awareness wracked up thousands in credit card debt and is now in collections due to them opening credit cards without anyone 's knowledge. The XXXX companies have different requirements and methods of application. TransUnion was clear and easy to follow. XXXX requires unobtainable items such as a birth certificate for someone born in XXXX versus the SS card number and a valid state or federal ID. The worst by far was XXXX which has a hyperlink advertising " minor children and incapacitated adults '' ( XXXX XXXX XXXX ) but when you click on it, there is not a single mention of incapacitated adults on the entire webpage ( XXXX XXXX XXXX ). I used the help and search features with nothing showing up. I called every single number I could find online. The phone tree provides no opportunity to ask a general question or provide the answer to this one. It eventually cut me off - at every single number I used ( XXXX, XXXX, XXXX- which I received an automated response the email was decommissioned XX/XX/XXXX. ) HOW IS A CONSUMER SUPPOSED TO USE THESE PROTECTIONS IF THEY ARE SO INACCESSIBLE? This should not be hard or varied. It is no wonder people don't use this protection. Who has the time, energy, and patience to put up with this abysmal delivery of services?