23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and delete the following false disputed accounts from my credit report : 1. XXXX XXXX XXXX account XXXX 2. XXXX XXXX XXXX account XXXX 3. XXXX XXXX XXXX account XXXX 4. XXXX XXXX  XXXX account XXXX 5. XXXX XXXX XXXX account XXXX Please investigate and delete asap.
Product: Credit card

XX/XX/XXXX CONTINUED 18 USC SECTION 241, CONSPIRACY AGAINST RIGHTS TO DESTROY XXXXXXXX XXXX  GOOD STANDING CREDIT WITH XXXX, NEVER LATE, NEVER MISSED PAYMENT IN OVER 5 YEARS, XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX SENILE REPLICATED USE OF SYNCHRONY BANK VIA XXXX CREDIT CARD FOR INDUCED FRAUD, HARASSMENT, INDUCED MULTITUDES OF UNAUTHORIZED TRANSACTIONS FOR XXXX, XXXX AND XX/XX/XXXX, REFUSED DISPUTES, REFUSED INVESTIGATIONS, REFUSED PROVISIONAL CREDIT, THEFT OF AVAILABLE CREDIT, USE OF XXXX BANKING FOR BANK DEREGULATION CRIMES AND VIOLATIONS OF THE HUMAN TRAFFICKING VICTIMS PROTECTION ACT ( XXXX2 U.S.C. 7102 ), SECTION ( XXXX ) ABUSE OR THREATENED ABUSE OF LAW OR LEGAL PROCESS. THE TERM " ABUSE OR THREATENED ABUSE OF THE LEGAL PROCESS '' AS DEFINED IN XXXX XXXX. XXXX REFERS TO THE MISUSE OF BANKING, VALIDATION, CREDIT, AND CONSUMER PROTECTION LAWS AND LEGAL PROCESSES, INCLUDING ADMINISTRATIVE, CIVIL, OR CRIMINAL PROCEEDINGS, IN ANY MANNER OR FOR ANY PURPOSE FOR WHICH THE LAW WAS NOT INTENDED. ADDITIONALLY, THE XXXX CREDIT HOLDER SYNCHRONY BANK HAS VIOLATED THE REGULATION MANDATING A XXXX NOTICE PERIOD FOR ACCOUNT CLOSURES OR MODIFICATIONS VIA REGULATION Z ( 1026.9 ( C ) ( 2 ) ) AS IMPLEMENTED BY THE CREDIT CARD ACCOUNTABILITY RESPONSIBILITY AND DISCLOSURE ACT OF 2009 ( CARD ACT )., NOTICE TO SYNCHRONY BANK STOP ALL INDUCED FRAUD AND HARASSMENT IN ALL ACCOUNTS, XXXX AND XXXX, XXXX NOTICE OF XXXX XXXX XXXX THEFT OF MONEY AND ACCOUNT CLOSURE, NOTICE TO CEASE AND DESIST ALL INDUCED FRAUD AND HARASSMENT, NOTICE OF NEW INDUCED SYNCHRONY BANK FRAUD VIA ADDITIONAL UNAUTHORIZED TRANSACTIONS https : XXXX? usp=sharing or https : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan based off my credit. They asked if my car was paid off and I said yes. They wanted a copy of my title to show it was paid off. They then kept my title as collateral to make sure I paid the loan off. I told them I could send a copy but they said I had to send the original title. I was sent alot of paperwork to sign and with having learning XXXX. I'm also diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not understand that they'd taken my car title. I didn't understand why because my loan was based on my credit not my car. I wasn't able to understand what was really happening. They sent papers through docusign with places to sign my name. I did what they said and then when I called DMV in Alabama they said I had no liens on my car. I moved to XXXX Washington on XX/XX/year> and after a few days my son and tried to get my car registered but they would not provide a copy of my car title. On XX/XX/year>, they send a threatening email saying I need to give them power of attorney in the state of Washington before they'll send a copy of my title but I had to add them as power of attorney. My car title should not list them as lien holder because I didn't understand what they did when I did the personal loan and wanted my original title. I want my title back because it wasn't supposed to be used for them to be lien holders nor have power of attorney. I'm now in the process of trying to rescind this power of attorney because they have no legal grounds to deceive me into sending them my original title, nor have power of attorney. Please help me get my title back. They also won't let me cancel ACH payments. I've tried and they're giving me the run around.
Product: Mortgage

I have called many times, every time I waist about 1 hour of my day and never get a solution. This company is the worst ever! They raised my mortgage from XXXX to XXXX from nowhere! They did add a special and they never were able to explain what was that. They tried to blame the tax but it doesnt make any sense because I pay less than XXXX yearly and back in XXXX my escrow was already XXXX. Also, my insurance is less than XXXX  yearly. There is no way that I have to pay extra {$4000.00} for my escrow. Crosscountry is so disorganized, dont help customers properly, have a unprepared team that cant handle with our requests and now is making me pay a lot of extra money for no reason at all!
Product: Checking or savings account

Bank of America charged me overdraft fees on balance that I had already paid on and once a smaller amount came in to my account which they couldnt apply the overdraft fee to they took a rearrange the balance so it could be applied to the higher amount which was already paid for. I have proof of payment for the transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian, XXXX, and XXXX   everything that they ask me to send them to show that I was a victim of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : US DEPT ED XXXX DPT EDXXXX XXXX US DEPTED XXXX US DEPT ED XXXX* DPT EDXXXX XXXX DPT EDXXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX US DEPT ED XXXX DPT EDXXXX
Product: Credit reporting

I have attempted to dispute this account with Experian by mail on multiple occasions. I am a victim of identity theft. I sent a letter requesting verification to XXXX XXXX XXXX for this credit card account that appears on my report. The verification information I received back very clearly showed the account belongs to another person with the same first name as me and an address I have never lived at.
Product: Credit card or prepaid card

CREDIT CARD ENDING IN # XXXX BY XXXX, SINCE XX/XX/2019 XXXX REFUSED CLOSING ACCOUNT!! I WAS TOLD ON NUMEROUS CONTACT WITH XXXX THAT THIS CARD/ACCOUNT REMAINS UNDER REVIEW!! ON XX/XX/2019 I REPORTED THAT CARD/XXXX WAS LOST/STOLEN!!
Product: Debt collection

Bonneville Collections continues reporting a false collection. They are also falsely representing themselves as ATTORNEYS on the credit report with credit bureaus. The disputed amount was paid directly to and on time to Natural Gas Utility by Title closing company XXXX XXXX at closing on XXXX XX/XX/year> during sell of previously owned property. Numerous attempts to dispute and stop this collection agency from false reporting which has impacted my credit rating have failed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 ( 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 for these violations
Product: Credit card

I have had a credit card with BOA for over 17 years ; and this is about the 10th time they have lowered my limit, due to me paying it off in full. We all fall on hard times, however, BOA takes advantage of their consumers. They lie about sending their consumers letters stating that they lowered their credit limit. This is the last time they will do this to me, I will play the {$1000.00} I owe them and close the card. I have always paid my bills on time, and I have most of my bills taken out automatically. However, with BOA, I have nothing but problems with their on line credit card service, either, I ca n't pay it on line, because of their system being down, or some other reason. Yes, I may have paid it late, however, in my defense, after taking care of my best friend who was XXXX for 2 years, there may have been a delay in going back on line to BOA because 2 days ago, I could n't get on line. My other credit cards, which I only have XXXX more, do not have a problem with their on line banking, my mortgage, XXXX XXXX XXXX, car payments are all automatically taken out every month. I have a score of above XXXX, and just because I paid BOA most of my credit balance, they checked my credit and lowered my limit from {$4600.00} to {$1500.00}. Now in my eyes this is deliberate, they did this a number of times to me, as soon as I pay off a big chunk or the whole balance, they pull my credit report and lower my balance. So, XX/XX/XXXX I had {$4600.00} in a credit limit, today in XX/XX/XXXX I am down about {$3000.00} in my credit limit. I have spoken to them and they gave me the story that they check credit every 6 months, well if they did that, about a year ago, they should have lowered my credit limit, as I had a tenant leave my home, I was neck high in bills using my cards and my score was lower than today. So, why not bring my credit limit down a year ago, why XX/XX/2016, when my scores are higher, and my bills are lower. I am so tired of BOA 's deceptive credit card practices, they need to be investigated, as on Consumer affairs, there are XXXX 's of complaints. I am not happy that BOA keeps hitting my credit, and I still ca n't believe that they lowered my limit due to me paying it down. Is it because they are losing money on me, no more ridiculous interest charges. Checking my credit and lowering it, make my credit score lower, and that makes me very unhappy, as I cherish my good credit scores. Because of BOA, if I need to apply for a leased car, which I have to in about 2 months, I will have to pay a higher monthly payment, as they will see that BOA lowered my limit, and makes a hard inquiry on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice these inquiries that weren't authorized on my behalf and spoke to EQUIFAX about the matter in which they wanted me to write an FTC report so I did that as well but still no response and these inquiries still remind on my credit report, I attached the FTC report and did my part to get this resolve, I hope you could help me with this matter with EQUIFAX and come to a resolution. thank you
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Capital One acct in XXXX XXXX balance was {$5000.00} payment of {$50.00} was made a week before due date. XXXX bill arrived and balance was {$5000.00} now payment is {$130.00} due to added interest of {$86.00}. It was very misleading that new payment would be XXXX XXXX of balance + interest. This is taking advantage of senior citizens
Product: Credit reporting or other personal consumer reports

I was sent a letter by a company in XXXX saying that they were suing me for a debt that another collector had just received notice of dismissal by the court. 

I explained this to them and they said no this is a different debt that originated at XXXX XXXX  I said yes I only have checking and savings. Credit cards are through XXXX XXXX and one of the two credit cards is only XXXX XXXX XXXX I had the XXXX XXXX checking account for 15 years and the credit cards 10 years they are trying to combine all of the credit cards that were dismissed in court I gave her the fourth doc number and date. She said that they will need a police report that. I dont know why for what. This is something else as dates have been changed to the advantage of themselves
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. 

Account Name : XXXX Account Number : XXXX and 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.
Product: Credit reporting or other personal consumer reports

This is my 13th XXXX to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent and unauthorized inquiries that have appeared on my credit report. The inquiries in question are listed below : XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX 

These inquiries were made without my permission and are a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, which mandate that any access to my credit report must be authorized by me, the consumer. I have not authorized said Companies to access my credit information, nor was there any legitimate purpose for these inquiries. 

As these inquiries are fraudulent and unauthorized, I am requesting that they be immediately deleted from my credit report.
Product: Checking or savings account

Tuesday XX/XX/XXXX {$170.00} was withdrawn from my checking account without my consent. I immediately contacted Albert to issue a refund and have been giving the run around. I am requesting that my funds be refunded immediately.
Product: Debt collection

I had a debt collection from Ad Astra Recovery ( original creditor XXXX XXXX ) reported on my credit reports 0n XX/XX/2019. I have no recollection of this account and it was a result of identity theft. The amount owed shown is {$1700.00}. This account is not mine and I have talked to all 3 credit bureaus and they request that I fill out an affidavit form stating this was a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$150.00} XXXX XXXX IN XXXX {$700.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$320.00} XXXX XXXXXXXX XXXX {$3800.00} XXXX  XXXX {$920.00} XXXX XXXX {$1200.00} XXXX   XXXX {$610.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} CHAPTER XXXX BANKRUTCY DISCHARGED XXXX {$0.00} XXXX  XXXX {$2900.00} XXXX XXXX {$610.00} XXXX  XXXX {$34000.00} XXXX   XXXX {$28000.00} XXXX XXXX XXXX {$27000.00} XXXX XXXX {$0.00} XXXX   XXXX {$610.00} XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit card

This is regarding US Bank XXXX XXXX card. I made a credit card payment on XX/XX/year> paying the balance in full. Even though the payment was posted, I was charged a {$40.00} returned payment fee on XX/XX/year>. When I reached out to US Bank, they told me that they tried to pull money from my checking account the first time and failed. But they were able to get the money from my checking account on the second try. But since they failed on the first try, I was charged with a returned payment fee. I have credit cards with every major bank in US such as XXXX, XXXX XXXX, etc. I never had this issue except for with US Bank. Either way, this is wrong that even though US Bank got their money on time ( in full I might add ), they charged me a fee due to the failure of their system.
Product: Credit card

I had XXXX balance transfers, both with a 0 % promotional balance on my Bank of America : XXXX XXXX XXXX credit card. 
0 % balance transfer 1 - Transaction date : XXXX/XXXX/XXXX for {$2000.00} with a 3 % fee. Promotion expired XXXX/XXXX/XXXX. 
0 % balance transfer 2 - Transaction date : XXXX/XXXX/XXXX for {$1400.00} with a 3 % fee. Promotion expires XXXX/XXXX/XXXX. 
I had made minimum monthly payments to this card. On XXXX/XXXX/XXXX I made a full payment for the {$2000.00} balance + 3 % fee ( {$60.00} ). As of my account statement ending on XXXX/XXXX/XXXX, instead of continuing my 0 % balance transfer ending on XXXX/XXXX/XXXX, I was charged an interest on {$950.00} of " outstanding balance. '' Bank of America refuses to refund the interest and states that all principal must be made to avoid further interest costs - they are blaming me for not paying the full amount even though the balance transfer promotion does not end until XXXX/XXXX/XXXX. I called in multiple times before the promotion expiring to ensure I would not be charged the interest cost. I 've attached my account statements and a document I requested from BOA in regards to how payments will be allocated to my Bank of America : XXXX credit card. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the recent verification of my dispute regarding fraudulent items on my credit report, submitted under 15 U.S.C. 1681c-2. While I appreciate your attention to my identity theft claim, I am concerned that a certain account remains on my report, violating the Fair Credit Reporting Act ( FCRA ). Moreover, this account was previously deleted and subsequently reinserted without proper notification, which represents an additional violation of current regulations. 
According to 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days. Therefore, any accounts that were not removed in compliance with this law must be deleted immediately. 
Additionally, under 15 U.S.C. 609 ( a ) ( 2 ), consumers are entitled to an accurate report, and 15 U.S.C. 1681i ( 7 ) requires that any unverifiable information be removed from the credit report. 
Accounts in Dispute : - XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ) - XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Violation Due to Improper Reinsertion Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert previously deleted information without certifying its accuracy and notifying the consumer within five business days. In this case, I have documented proof that this account was deleted in a prior dispute and was later reinserted without proper notification, which constitutes a violation of the FCRA. 
Furthermore, under 15 U.S.C. 1681s-2, information furnishers are prohibited from reporting inaccurate or unverifiable information. Since this account was previously deleted, its reinsertion without new verification violates my consumer rights.