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

On XX/XX/22, I became aware of a hard inquiry on my credit report conducted by Upgrade. That day I spoke with Upgrade who informed me that someone had attempted to take out a personal loan and credit card using my identity. The identity thief was successful in obtaining the credit card and had been utilizing it. I filed a police report with my local sheriffs department and a FTC identity theft report on XX/XX/22 and sent this information to Upgrade per their request. I was told by Upgrade that the accounts would be closed. Upgrade then proceeded to report the credit card on my credit reports which totaled {$10000.00} in racked up charges. I disputed this account on my credit report with XXXX. Upgrade proceeded to deny the dispute and this fraudulent information remains on my credit report. Ive attempted to contact Upgrades claims department via phone and email multiple times with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts have violated my rights. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paid as agreed please delete XXXX XXXX dont see their account 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.
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 consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX  has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 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 handwritten instructions.
Product: Mortgage

During Covid. I wasn't able to pay my mortgage on time. I reported to the Bank. National Mortgage ( Mr. Cooper ). and worked ok. 5 months later I went back on track and the Bank only offer was a modification. 
I applied for it, but at the end, they charged me the 5 payments with the modification, and double my debt. I had 20 years left on it at 4.75 % when rates were at 3.0 %. And they double the time to 40 years now with same 4.75 % rate, claiming that the 3 % was not an option for me. I think that they took advantage of the situation.
Product: Credit reporting or other personal consumer reports

i was reviewing my report and noticed that my information was incorrect.
Product: Checking or savings account

I opened a new checking account with Chase because of the new customer bonus promotion. On XX/XX/XXXX, I was issued a payroll check from my employer which was my first transaction on the account. I deposited this check via the mobile app. A 10-business day hold was placed since it was a new account. On the 10th day, I contacted them because it was still not released to my account. They then told me the account was restricted due to being unable to verify the phone number associated with the maker of the check on XX/XX/XXXX. I reached out to my payroll manager and called back with a list of possible matching phone numbers, but none were listed in the XXXX system. My account manager confirmed with me there were no other possible numbers, but that Chase had cleared the check and XXXX could not issue a stop for that check. On XXXX, I tried a 3-way call with my treasurer and Chase Fraud department , but no numbers matched. All phone numbers within my employer were accurate. On XXXX, they told me to bring verification documents to a local branch to scan in and request a release of the account hold. I did this on XXXX and was told to call back in 24hrs for it to reflect. I called back on XXXX and was told the documents ( pay stub, check, verification letter from employer, XXXX, and work ID badge ) were not accepted. I informed them the system did not have a correct number on file and there was no way to match it. Working with the branch manager and fraud department, they have said they will hold the funds indefinitely until a matching number can be found and will not issue them to me or void the transaction, despite not being able to match their incorrect number and providing numerous supporting documents.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my XXXX XXXXccount vuln rable and XXXX 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 reporting, credit repair services, or other personal consumer reports

Equifax has failed to accurately update the CURRENT STATUS of paid accounts as PAID. I have attached a portion of my equifax report to show the issue with SEVEN accounts by 3 different creditors. Each of the creditors has indicated the account is paid in full, but Equifax only indicates that in the comments and fails to indicates paid under current status. This results in a lower credit score and results in statutory damages that are ongoing. <P/>For each of the seven accounts, the balance is XXXX and there is a comment showing paid. However, the CURRENT STATUS remains 'Charge-Off '. <P/>I have previously asked Equifax to fix this simple, obvious issue. They point to the creditors needing to fix it but I have discussed this with the creditors who state they are reporting the accounts as Paid in full for less than the full balance. It is Equifax who is only showing this in comments and failing to change current status. These same creditors who report to XXXX and XXXX show the same accounts as PAID. <P/>The accounts can not be paid AND a charge-off at the same time! Under the FCRA, Equifax can either show my current status on the accounts as Paid, Paid - Was a Charge Off, or it MUST delete the accounts. <P/>My understanding is that Equifax is SYSTEMATICALLY FAILING to indicate the current status as PAID when creditors update the accounts as Paid in Full. Each of the accounts on my attached and annotated Equifax credit report CLEARLY indicates they are paid and Current Status must match. No consultation with the creditors is needed in this matter, as the creditors have each correctly updated the status as PAID. <P/>Equifax erroneously shows the current status as Charge Off while showing Paid in the comments. <P/>This erroneous, systematic reporting of my accounts as current Charge-Off status lowers my FICO score and damages me financially, since my credit offers are reduced and interest rates are increased from the lower score due. <P/>Further the CFPB should inquire with Equifax to learn whether this is happening systematically to ALL consumers who pay charge-off accounts.
Product: Debt collection

I have sent them several letters telling them that are violating my rights and to cease and desist by reporting this negative information is violation of cease and desist everytime i see my report they communicating with me these letters were certified so they signed for them meaning they are ignoring the law i listed below " This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You have violated the FDCPA XXXX 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. ''
Product: Vehicle loan or lease

This case has to do with a lease disposition fees I contacted GM financial customer service, and XXXX XXXX VP Customer experience with negatives results. Filed a better business Bureau complaint with negative results. 

I have been a XXXX XXXX lessee since XXXX renewing a new lease every two or three years. I intended to do the same this year when my lease a ( XXXX ) XXXX was scheduled for return on XX/XX/XXXX. In late XXXX, preparation for the return and shop a new XXXX, I made countless calls to the dealership XXXX XXXX but they and other dealerships in the area were closed due to Covid-19. I contacted GM financial and was issued a two month extension. 

Please take Note that in XXXX and XXXX GM financial was broadcasting TV advertisements targeting new buyers and NEW lessees with discounts for the XXXX XXXX despite the dealerships being closed. There were no offers for current lessees. 

I live on a fixed income since I retired in XXXX and need a car to drive to doctors appointments and ( 5 ) hours of XXXX XXXX three days a week. I had very little time to wait and so decided to lease a XXXX XXXX instead because the dealership was open, allowed a test drive and made an offer where my payment was a few dollars less  than my current lease payment. 

I received a bill from GM financial for a disposition fee of {$430.00} because I did not purchase or lease a new GM citing the clause below ; " Costumer leasing Act Disclosures : 4. Other charges ( not part of your scheduled payment ) A. Disposition Fee ( if you do not purchase the vehicle and we do not waive the fee under Item 23 ( t ) {$390.00} 23 ( t ) Disposition Fee Waiver : The item 4A Disposition Fee will be waived if you purchase or lease a new General Motors Vehicle when this lease ends. '' If you check my history you will find that I was current on all my payments, and that my credit rating is in the XXXX and above. I was a XXXX XXXX XXXX who used discretion in deciding on whether to XXXX XXXX XXXX  and individual using the letter of the law or the spirit of the law. GM financial is using the letter of the law in there one sided contract. It is a punishment for not buying or leasing a new GM despite their neglect of making lease offers to current lessees.

Its interesting that my tax dollars went to bail GM via the TARP in the financial crisis on XXXX and they wont waive a XXXX charge cause by the pandemic such greedy XXXX. 

Thank you in advance for considering my petition. 

Respectfully submitted
Product: Checking or savings account

The company first put a restriction on my account XX/XX/2023 this was after I was issued a huge deposit. I am enclosing the balances I had the last the member services gave me. I did receive email on the restriction at that time on XXXX, XXXX I could only use my credit builder card but could not transfer funds or use the app to check my balances. On XX/XX/2023 between XXXX that day I get notices all accounts were closed. I have submitted all documents requested several times to the review department and support department. This all started on XX/XX/2023 when I was issued a huge deposit for helping a person post her properties and at first she did not pay me and refused helping more until paid. Weeks later when I get the deposit I learn she assumed I could do pay roll. All I am asking is for my money so I can open put it in my new account and send payments to the person so they get their half of the money.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX  XXXX Balance Owed : {$21000.00} XXXX  XXXX Balance Owed : {$21000.00}
Product: Credit card or prepaid card

wed the XX/XX/XXXXi go to use my card the chip clearly is not working as 2 stores cant get it thru wasting my time. this is card ending XXXX i get rid of card and after waiting on hold way too long order a new one.i then notice online its not showing i called today just now this is MY TIME. all this due to bank problems as this was not my first card with chip issues. i call today and XXXX spent time looking at my XXXX XXXX  card not my XXXX. as i requested and entered into the ssytem i want a new account i want not to waste my time this fiasco has wasted my time please check i have a new card and its expedited and no more chip issues sorry to use this system but my time matters even if the bank does not agree or care no calls please just reissue my card without costing me more time and XXXX due to your problems. you want your money every month but dont see my time as valuable as such i will use this card minimally due to time its cost me and lack of trust
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Vehicle loan or lease

I pulled my payoff amount from the online portal on XX/XX/XXXX and paid amount show the same day. Through the text chat I was advised it would take about 30 days to process and receive title. Called back the 2nd week in XXXX to check status and was told the payment funds had not been allocated and they would submit request. This process continued weekly until I called on XX/XX/XXXX and was told the same thing but that the account had a credit and I would receive {$320.00} back by check and they again submitted request to allocate funds and to allow 2-3 business days for completion. I called again on Monday XXXX and spent over an hour on the phone to have someone finally get into my account and finalize the account to closed and request title. This phone call I was finally told that I still owed {$350.00} and that I have been charged interest daily since the XX/XX/XXXX payment even though I have called continuously for almost 2 months and no one told me any of the above and got different answers each time. Spoke with " manager '' who had children crying the background who in a nutshell told me I was going to get charged interest and apologized for the wrong information given by " new employees ''. This situation was handled extremely poorly and I was fed incorrect information since XXXX but they are doing nothing as recourse. At conversation on XX/XX/XXXX I was told they would be able to expedite the title for me at least but as of conversation with manager on XX/XX/XXXX that is never possible.
Product: Mortgage

Fay servicing holds my current mortgage. The mortgage had fallen behind, and was included in a chapter XXXX bankruptcy. My attorney has filed a letter with Fay telling them they can communicate directly with me. It has since has been brought back to 100 % current status, with no pre petition or post petition arrearages, as I sent them over XXXX XXXX dollars, and I wish to keep it that way. I had online account access for the last 90 days where I was able to review my account at will, and make payments etc etc. 

Logging in today, I find my access has been revoked. I can no longer access any financial information regarding my mortgage or it's status. All I am offered when calling them today was to blindly trust them and send money over the phone with no way to verify any details whatsoever.

Historically, I do not trust Fay Servicing, but the mortgage is far enough along that refinancing it would actually hurt me more than help me. But it seems Fay is intent upon playing games once again with my account. When I asked for a manager, I was told " his manager was not in '' so I asked for their manager, and the manager of the manager..etc etc all to no avail, just blank refusal and stonewalling to help me in the least. I was told no manager would speak with me.

I find Fay 's procedures and policies in this regard to be both predatory and malicious, and XXXX only knows what they are really up to, what they feel they need to hide. PLEASE HELP!!!!
Product: Credit reporting or other personal consumer reports

XXXX resulted in a massive breach, along with XXXX, and Experian. my information has been exposed to the internet and these following fraudulent accounts need to be removed. 

I received a copy of my credit reports and am writing to dispute the following FRAUDULENT ACCOUNTS from information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, 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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS COMMITTING PREJUDICE AGAINST ME NOT WANTING A CREDIT CARD. THEY KEEP TRYING TO SELL ME CREDIT CARDS TO BUILD UP MY CREDIT PROFILE. EXPERIAN IS SCORING A PAID ACCT AS POTENTIALLY NEGATIVE AND WILL NOT ALLOW ME TO DISPUTE DUE TO PREVIOUS DISPUTES OF ACCOUNT BEING FROM OVER 6yrs AGO. THEY WILL NOT UPDATE MY CAR LOAN FROM XXXX WHEN I MISSED PAYMENTS DUE TO COVID-19 PANDEMIC. THEY WILL NOT ALLOW ME TO DISPUTE DUE TO A PREVIOUS DISPUTE THEY DID NOT VALUE NOR CHANGE. I AM BEING CRIMINALIZED BY A CONGLOMERATE RAN BY XXXX XXXX LABELING ME AS A CREDIT RISK DUE TO REFUSING TO PURCHASE CREDIT CARDS, DISMISSING DEBT FROM OVER XXXX AND MARKING PAID IN FULL ACCTS AS POTENTIALLY NEGATIVE WHILE TELLING ME POTENTIAL CREDITORS WILL NOT LOAN TO ME DUE TO A THIN PROFILE MAKING ME A CREDIT RISK UNLESS I PURCHASE A HIGH XXXX CREDIT CARD FROM THEIR LISTED PARTNERS!!! I AM BEING VICTIMIZED BY EXPERIAN HOLDING MY FICO SCORE TO POOR ON ACCTS FROM XXXX THAT ARE CLOSED BUT THEY LIST IN RED POTENTIALLY NEGATIVE!!! EXPERIAN IS VIOLATING MY FREEDOM TO NOT CHOSE TO USE CREDIT CARDS AND REFUSING TO TAKE OFF DEBT FROM OVER 5-7 YRS DUE TO KEEPING PARTNERSHIPS WITH DEBT BUYING COMPANIES SOLD AFTER COMPANIES FILED BANKRUPTCY!!! EXPERIAN IS CRIMINALLY DEFRAUDING MY CREDIT REPUTATION WITH AN INACCURATE FICO SCORE THAT DOES NOT INCLUDE MY RENTAL NOR BILL HISTORY. I HAVE NO EVICTIONS, BANKRUPTCIES AND PAY ALL MY BILLS ON TIME. EXPERIAN HAS LABELED ME AS A POOR CREDIT RISK WITH A FICO SCORE OF XXXX USING XXXX CLOSED STUDENT LOANS DATED XXXX, AN OUTDATED PAYMENT HISTORY ON XXXX XXXX, XXXX BOUGHT DEBT OF {$610.00} DATED XXXXDISPUTE IGNORED, XXXX PAID BOUGHT DEBT FROM XXXX ALL LABELED POTENTIALLY NEGATIVE!!! I HAVE CLOSED MY XXXX XXXX XXXXXXXX CREDIT CARD ONCE IT WAS PAID IN FULL AND THEY REDUCED MY CREDIT SCORE BY XXXX XXXX KEEPING ME AT A POOR CREDIT RISK. EXPERIAN IS FORCING ME INTO PREDATORY CREDIT VULTURES WITH THEIR CRIMINAL TACTICS WITH THEIR DEBT BUYING PARTNERS AND VICTIMIZING ME BECAUSE I REFUSE TO PUT MYSELF INTO DEBT BY PURCHASING CREDIT CARDS!!!