23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from XXXX and I saw that you have recently began to report me 30 days late. I also stated that I have previous credit reports from the [ Name of credit monitoring ] that reflect my accounts accurately, as paid on time. I explained that I was I never late on the following accounts, and I never received notice as required by the FCRA that you were going to report negative information to my credit file. Furthermore, I stated that I immediately disputed the late payment to the creditors and that they said you verified the late to them. As of the date of this letter I have not received a response to my request. Why are you ignoring me? I will not just forget about it. 

This is my several request to you to correct this in writing. The several attempts by phone were never successful either, as you out source to XXXX and they promise corrections that never happen. I tried numerous times to get my statements from you, but never received them. 

My previous letter listed the sections of the FCRA that you are violating. You are in clear violation as I was not late and I never received notification that negative data was going to be furnished to the bureaus about me. I also noted that I was sending a copy of the letter certified mail-return receipt to the proper agencies. I will do the same with this letter. I will then lodge formal complaints and pursue legal action if you do not supply proof of my late payment of confirmation that it has been removed. Please see the following accounts : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX and DEPT OF EDUCATIONXXXX XXXX.
Product: Debt collection

USAA FEDERAL FUNDING IS DAMAGING MY CREDIT FOR AN ALLEGED DEBT WITHOUT LAWFUL VERIFICATION. I HAVE ASKED THEM TO VERIFY THE ALLEGED DEBT WITH THE ORIGINAL WET INK SIGNATURE OR DELETE THE FRAUD! PRODUCE THE ORIGINAL WET INK CONTRACT OR DELETE ACCORDING TO THE FAIR CREDIT REPORTING ACT. THAT IS THE LAW. USAA HAS SOLD THIS ALLEGED DEBT AND ARE STILL REPORTING THE ACCOUNT WHICH IS ILLEGAL. DELETE THIS FRAUD FROM MY XXXX, XXXX, AND XXXX ACCOUNT IMMEDIATELY. THIS IS FRAUD!!!
Product: Credit card or prepaid card

WHY DID YOU CLOSE COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 PRODUCT CREDIT CARD OR PREPAID CARD NOTHING HAS BEEN RESOLVED. CHASE BANK STOLE MONEY FROM ME. THE VENDOR OVERCHARGED ME. 
I HAVE HAD TO HIRE A LAWYER AND I AM STRUGGLING TO SURVIVE ON SOCIAL SECURITY. 
I HAD ORIGINALLY TRIED TO SUBMIT MY COMPLAINT TO THE FEDERAL BANK AND TRADE COMMISSION AS AFTER BEING OVERCHARGED  BY THE VENDOR, CHASE STOLE {$6500.00} FROM ME THAT WAS A CREDIT BALANCE ON MY ACCOUNT. IS CFPB JUST THERE TO COVER UP FOR AND PROTECT BIG BANKS WHO STEAL FROM THEIR CUSTOMERS?
Product: Mortgage

I filed a complaint with Bank of America concerning my payments not being correctly reported on my credit report. They sent me letter back saying the reason that it was not posted was because my credit was blocked. I called XXXX on XXXX and spoke with XXXX out of Texas call center and he informed me my credit was n't blocked, it was up to bank of america to post the payments and they did n't post any payments. I also requested my credit report from XXXX as well and it shows that all my payments up until XXXX were posted, with the correct amounts each month. How can bank of america post payments to XXXX agency and not all the agencies? I have confirmed from all XXXX credit agencies that my credit was not blocked, and had never been blocked.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I am writing to bring to your attention an issue I recently discovered on my credit report that I believe requires correction. Upon reviewing my report, I noticed that an account is showing two late payments that I believe were reported in error.

Maintaining a strong and accurate credit history is extremely important to me, as I understand the significant role it plays in financial health and future opportunities. I take great care to ensure that all my financial obligations are met on time, and I was quite surprised to see these late payments reflected on my account. 

I have attached a copy of my report highlighting the specific entries in question, with the dates of the alleged late payments noted ( XX/XX/year> payment XXXX XXXX ; XX/XX/year> payment {$68.00} ). I would like to respectfully request that you investigate this matter further. Based on my records, these payments were made on time, and I kindly ask that you update my account to reflect this. 

I sincerely appreciate your understanding and the prompt action I trust you will take to correct this issue. It is my hope that this matter can be resolved swiftly, ensuring that my credit report accurately reflects my financial responsibility. 

Thank you very much for your attention to this important matter. Please feel free to reach out if any additional information is required to facilitate the investigation.
Product: Money transfer, virtual currency, or money service

Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam, out of which $ XXXX was from Coinbase. I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a XXXX scheme. Here is the link to the fake website impersonating XXXX : krasnysen.com My funds were sent to Coinbase were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. I tracked the downstream wallet, which was reported multiple times for fraud. I contacted Coinbase but they did not do anything to investigate and/or freeze the fraud wallet. I have reached out to Coinbase for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. I need assistance at this difficult time. My police case number is XXXX Thanks
Product: Credit reporting or other personal consumer reports

I already have a active complaint, TransUnion still does not allow me to even view my credit score, today I received a paper stating that I looked into a line of credit called thrive and I did not give them permission to do that. I cant see the inquiry but I have the paper. This is getting outrageous just last year. I had my credit fixed nice and good now all of a sudden Im getting all kinds of inquiries not one thing on my credit report that is showing delinquent is accurate none of the reports match each other and when asked to dispute the reporting agencies just say, its verified well I want to see 100 % without a doubt verification that I opened something because I did not just like I did not ask for an inquiry today. This is Atta control these companies just do what they want and people suffer The fair credit reporting act is just a joke to them well, I would like all of the negative items on all three of my credit reports disputed for inaccuracy and identity theft, because none of them are accurate. Theres a bunch of missing spots and all of them and its ruining my ability to obtain credit much less, put a roof over my familys head, in accordance with the fair credit reporting act and consumer law, if they are not able to fix all of the inaccuracy on my credit report, then I demand that they shall delete all inaccurate and delinquent accounts present on each of their respective reports thats including XXXX, XXXX, and TransUnion if they are unable to do this, I am prepared to sue over and over again Until this is rectified, and if they think I am not capable or that, I wont do it, they can go ahead and test the water, but I am tired of my reports being XXXX up in accurate and full of whats potentially somebody running around with my Social Security number, and lets not forget child support I would like that removed as well because they have it listed as a loan and it is in fact not a loan not that its inaccurate and way behind so once again, I ask that all late payments be corrected to pay on time or removed from my credit report any open accounts that are showing a late payment or a balance should be removed posthaste any hard inquiries that are on my credit report. As of now were not authorized and should be removed. Any collection accounts should be removed because they all bare in accuracies any delinquent closed accounts that are on these reports also have inaccuracies should be removed, there should only be a XXXX card listed on each of these accounts other than paid in full closed down old accounts I have over 274 screenshots of inaccuracies, and I am prepared to sit here and upload every single one of them if thats what it takes to get everything fixed and if thats not enough, Ill show all the inaccuracies in a court of law And then I wont need credit. This is ridiculous that these companies can get away with this and these debt collectors just post stuff without even verifying it 100 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit card or prepaid card

Hello, On Monday XX/XX/18, I was told my new credit card account was closed. This was after discovering it went under periodic review XX/XX/18. 

I suspect this is because I wanted to pay my mortgage AT THE CHASE BANK and instead of charging the card a representative attempted to do a cash advance of over {$4000.00}. 

This was not my fault and I feel cheated that I lost my card over a rep messed up. 

Please help me get this card re-instated. Im picky about my credit and this was not a simple decision.
Product: Money transfer, virtual currency, or money service

I tried to sell XXXX XXXX XXXX. He contacted me, overnighted a check for {$15000.00} XXXX XXXX over asking price ) Wednesday XXXX. Check cleared my bank XXXX then he asked me to send XXXX to this mover, XXXX to this mover via XXXX, and XXXX via XXXX XXXX to other people. Next day, XXXX my bank put a hold on it and now Im stuck to return those funds. I contacted my bank, told them I suspected fraud and they said it would take till XXXX to determine if its fraudulent. Chase bank
Product: Credit card or prepaid card

I am filing this complaint in regards to the company Fortiva. I opened an account XX/XX/XXXX with an opening balance of {$2000.00}. Since then I have paid a total of {$520.00} and as of today XX/XX/XXXX my balance has only decreased by {$100.00}. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. I reached out to them on multiple occasions and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and the company 's only response is that its from interest. The total amount of interest paid to date on the most recent statement shows only {$220.00} which is unfair but not even that if {$220.00} was put towards interest then why hasn't the remaining balance {$290.00} been applied to the principal balance that I actually owe? Please see the attached opening statements and current statements.
Product: Mortgage

I called Amerisave Mortgage to refinance ( from FHA to Conv loan ). I was asked to pay {$500.00} upfront on my credit card and I did. I was asked for the same documents on multiple occasions, after already submitting them. I was assured as long as I turn in requested documents in a timely fashion that I would be able to close before year end. I advised the main purpose is for me to be able to have a tax break for this year. My loan officer XXXX said I would be able to since I got all the paperwork in. I was told on XX/XX/XXXX that once I receive a call from the loan processor that everyone would have signed off but one final check box from Sr.underwriter. I spoke to the processor XXXX on a few occasions and she advised that I should close on XX/XX/XXXX because they have everything. Then I was told the underwriters not responding, managers are not responding. I continue to call both the loan officer and the processor only to receive voicemail, I leave messages and no call backs. They took my {$500.00} and will not call or reply. I have multiple email chains regarding this terrible experience. 
Thank You,
Product: Vehicle loan or lease

On Saturday, XX/XX/XXXX my son and I went to XXXXXXXX Toyota XXXXXXXX to look at a XXXX XXXX XXXX. When we got there they told us they didn't have it in the log any longer. They showed us a XXXX XXXX XXXX instead. My son drove a XXXX XXXX XXXX and wanted a smaller truck. We received an estimate for trade-in at XXXX which they valued at {$40000.00}. The XXXX Toyota dealership was able to match the trade so I thought until I saw all the improper added-on fees they failed to disclose. Further, they also failed to disclose an added-on " Lifetime '' oil fee of {$790.00} and Toyota GAP of {$1200.00}. They also did not disclose the extended service contract fee including a tax of XXXX totaling {$2700.00}. I thought I was financing {$42000.00}, not {$46000.00}. They had me initial and sign the documents electronically. I feel duped and taken advantage of. The difference of {$4100.00} is a significant amount to be additionally financed and it wasn't disclosed. I didn't even get the terms of the loan or what the interest rate ended up being. I feel I was unreasonably treated and deceived.
Product: Credit reporting

Logging this complain against the credit reporting agency Experian for showing Serious delinquency on my XXXX credit cards with XXXX and XXXX. 
In case of XXXX credit card, I had returned stuff in the store and was told that I 'll get a refund but the refund was not applied for few months. Instead they kept charging late fees every month and later subtracted the refund amount and continued charging additional late fees. This was totally unfair because instead of being refunded I has bothered by XXXX and collection agency and made to pay. I tried to resolve this issue by calling, emailing and faxing them but all in vain. I am also attaching a fax that I had sent to XXXX. 
In case of XXXX credit card, my account was locked and was told to make the payment without being told what the charge was for. As my account was locked I was n't able to check myself. I contacted them several times to find out what the payment was for but was n't given a clear answer. 
In both these cases I was treated unfairly. In first case I was made to pay when I was supposed to get a refund. In second case I was being told to pay without the clear information of what the payment was for. I had to go through so much XXXX to resolve these issues and now I see these damaging my credit report. I am in the process of applying for a home loan but having issues because of the incorrectly marked delinquent accounts information on my credit report. So finally decided to log this complain.
Product: Checking or savings account

On XX/XX/2024 after checking my account balance I notice I had 3 unauthorized charges on my card from a in store purchase. I had never been to that XXXX location nor had I made the purchases. I called my bank immediately and disputed them. I was told one of the charge I was given a credit for immediately the other two I would have to wait 10 business days I call in within the 10 business days to check the status on XX/XX/2024 to only find my claim was denied and my credit was denied due to the card never leaving my possession and the pin being used. So I told the representative I didnt have the card I must of have drop it when I last used it but I wouldnt drive almost XXXX miles one way just to go to no XXXXt when I literally live 10 mins from one. She asked again did I have the card in my possession I told her no she filed the claim again and told me a again wait 10 business days for your provisional credit I waited those 10 business days which fell on XX/XX/2024 she made that very clear. On XX/XX/2024. I called in to Citibank to check the status of my claim and provisional credit only need to hear that the examiner has until XXXX to make a decision. I should know my decision by XXXXXXXX XXXX XXXXXX/XX/2024 No decision was updated after XXXX so I proceeded to call first thing that morning around XXXX on XX/XX/2024 to Citibank to get the status I was told that the claim wasnt filed until XX/XX/XXXX which I will wait until XX/XX/XXXX after XXXX  to find out the status of my claim XX/XX/XXXX XXXXXXXX XXXX  I call back once again to check the status of my claim and provisional credit where I was told again by another representative, the claim was processed until XX/XX/XXXX, so I will have to wait 10 days after XX/XX/XXXX get a decision on the provisional credit and possibly the claim. So everytime I call they push the date back further n further and would not give me a clear date. The guy threaten to close my account if I keep calling in because that not what they there for. Which was rude and unfair. So now I want to move forward with legal actions because the not what your contract states or what is read off to your customer when filing a dispute. I warn future customers to stay away from this bank
Product: Checking or savings account

I opened an account with Chase early this year. Last month I was applied to get a loan for school, one of the companies that called me needed to verify that I had an existing checking account and I provided them with my information for verification purposes. The company issued the loan Via check into my account and the check was fraudulent. I contacted Chase right away and was told to go to a branch so they could close that account and reopen me a new account. I went to a branch and informed them of what happened, they closed that account and a new account was opened and new debit card ordered. 2 days after opening the new account Chase closed the new account. When I called customer support I was told that It was a risk with me banking with them and I could not bank with them anymore. I had already discussed with them more than once that I was a victim of fraud and had they looked at my account activity they would see that I never had any issues with my account until I had applied for a school loan. The bank teller educated me on how to prevent fraud from happening on my account and Chase still closed my new account and restricted me from ever opening an account with them.
Product: Credit card or prepaid card

I attempted to purchase fuel for my vehicle on XX/XX/2021 at XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) using my CashApp card. Between these XXXX entities, the remaining balance on my card was drained, and I was unable to get any fuel at all. 
I spoke with the manager at the station, who said that the funds would be sent back to my card within XXXX days. 
I brought this up with CashApp who stated that they would open a case regarding this issue. Case number XXXX ( also : ref : XXXX : ref ) was issued to me XX/XX/2021. 
On XX/XX/2021, I was told that " We have received your dispute and filed a claim with the card network. As updates become available, we will keep you informed. 
Please note, the card network provides the merchant up to XXXX calendar days to review and resolve your claim. '' by support agent XXXX. 
I have yet to receive ANY form of update from CashApp to this point. Every attempt to seek further info ends up in a never-ending cycle of being transferred from XXXX rep to another and never getting anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX looking for a car loan. On XX/XX/2018 I gave XXXX XXXX permission to run my credit report. Upon this agreement, I was informed that XXXX XXXX would be reaching out to several banks to try to get me approved but I was also told that these numerous inquiries would be bundled into one, claiming that the credit bureau would recognize it as me shopping for a car. The extra inquires include GM   Financial on XX/XX/XXXX and XX/XX/XXXX, XXXX on XX/XX/XXXX and XXXX   on XX/XX/XXXX. When I contacted the gentleman at XXXX XXXX he assured me they would fall off of my report. It's been over a year and these inquiries are damaging my credit score.
Product: Debt collection

Beginning of XXXX I received a letter regarding a medical debt. I only was provided with the amount and account number, no service date. I called an the creditor stated that the debt was owed. I asked for clarification since the doctors office stated that insurance information was provided. I also informed them that by law a XXXX recipient was not liable for medical debt, therefore the collection efforts are to resolved by the debtor and insurance. Mid XXXX I received another notice regarding the same debt. again no date of service or clarification. Called the creditor to explain that this is illegal and to stop sending notices. Creditor rep became nasty and I terminated the conversation with a goodbye.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX too XXXX During the pandemic I was XXXX  and went too XXXX  on two occasions during these XXXX  I was the victim of identity theft through a stolen phone that was used too obtain my personal information I filed a police report yet I still have 12 accounts that are fraudulent and opened without my consent and I would appreciate your cooperation in removing these items from my credit reports becuase they go against my consumer rights to have true and accurate information in my reports