23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

CASE ID XXXX XXXX XXXX has held my payment for XXXX days after payment was posted and now, they released only part of my credit. 
Customer service is rude and nonchalant. 
This is the second time the card is holding the funds more than XXXX days after the posted payment. 
On XX/XX/XXXX, I made a payment of {$200.00}, which was confirmed and posted on my account on XX/XX/XXXX. 
Another payment of {$50.00} was posted on XX/XX/XXXX. 
In separate occasions I went through embarrassing moments in the store when trying to buy groceries and had my card declined. 
Called # XXXX and XXXX and both the representative and the supervisor were rude. On my last call today, the attendant hung up while I was talking. 
They said that Id had to wait until XXXX the XXXX to have my credit released and there was reasonable explanation. 
The credit wasnt released on the XXXX, yesterday, and now only {$110.00} of my total {$250.00} payment has been released. Where is the remaining {$130.00}? 
On top of it all, XXXX is charging me late fees that arent correct because my account was set for autopay every month. 
Also, there were no returned payments, as per my attached bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently used a credit repair company and they didnt help much. Although it was true I didnt recognize the following accounts. XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$24000.00} XXXX  XXXX XXXX {$440.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$760.00} XXXX  XXXX {$83.00} XXXX  XXXX {$330.00} XXXX XXXX   XXXX {$260.00} XXXX  XXXX {$800.00} XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my report from credco XX/XX/2022 that I am not aware of.
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 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 reporting or other personal consumer reports

Experian has denied my claim for Credit Reporting Violations, Personal Information ( Full Legal Name ), FCRA 605C XXXX XXXX Blocking Request, and Unlawful Inquiry into my case.
Product: Mortgage

I refinanced my home XX/XX/XXXX and was told by my mortgage company, Nationstar mortgage who has since changed names to Mr. Cooper, that the mortgage insurance, which was XXXX / month, would be removed since criteria had been met. Fast forward to XX/XX/XXXX and realized I have been paying mortgage insurance all along. I contacted Nationstar on XX/XX/XXXX and XX/XX/XXXX, specifically the PMI (private mortgage insurance) department, and spoke with XXXX and he stated he was going to send everything to the AVP (not sure what this department is) team to look over this issue and then he would call me back by XX/XX/XXXX. I never received a call back. On XX/XX/XXXX, I contacted the PMI department again, but this time spoke with XXXX and she said she would have her manager contact me by the end of the day to discuss my issue. I never received a call back. On XX/XX/XXXX, I mailed a letter and copies of all of my refinancing papers that clearly show that the mortgage insurance was not included and sent this by certified mail. Early XX/XX/XXXX, I received a letter from Nationstar, dated XX/XX/XXXX, stating that they are aware of the problem and acknowledged that the mortgage insurance was not a requirement and should have been removed. The mortgage insurance was finally removed by XX/XX/XXXX. Nationstar stated in the letter that they are working with the "prior lender" to collect the refunds to send to me. This was the last correspondence on their part. Nationstar was my mortgage company when I refinanced in XX/XX/XXXX so I'm a little confused by who they are meaning by "prior lender". The letter is signed by XXXX XXXX, Customer Relations Specialist, with a phone number of XXXX and email XXXX. I have called and left voicemails to her phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I emailed her on XX/XX/XXXX. I have never received a call or email back. I called on XX/XX/XXXX and spoke with XXXX in the PMI department and he stated he would send an email to the other side of the PMI department for review and he told me it would take up to 24-48 hours. I still have not received any correspondence from this company. I am due, to my calculations and not including interest, XXXXXXXX. I would like this resolved sooner than later and I appreciate any help you can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX Account Number : XXXX Please remove it from my credit report
Product: Credit reporting or other personal consumer reports

I recently submitted a complaint through the CFBP portal outlining the fact that Experian has illegally placed an entry onto my credit file. Instead of deleting the credit entry, Experian ignored the complaint and closed their response through the CFPB portal without resolving the issue. Experian continues to place an old, unverified Aleged debt from 2003 that stems from a closed XXXX XXXX XXXX XXXX XXXX The case was based on fraud and got dismissed by an XXXX XXXX XXXX XXXX XXXX. Without any certified evidence, proof or documentation from a Judicial officer, Experian arbitrarily creates a credit entry as a negative item onto my credit file. I've never authorized Experian, nor the furnisher permissible use and access to my personal credit file. In addition, reporting a child support case on my credit report is unlawful. The law states thats only credit transactions have the lawful means to be reported onto a credit profile. XXXX XXXX is not a bank or any other financial institution. An alleged Child support debt ambiguous, and is not a credit transaction. 

In addition, this credit reporting agency does not conduct any research or investigation into my CFPB complaints whatsoever. They have found a way to navigate around the CFPB complaint process using stall tactics ; they use the 15-60 day complaint resolution window to do nothing but act as if they are researching and fixing their mistakes. This is the XXXX time I sent a complaint through this process and this reporting agency does nothing to resolved the issue that they created. Experian purposefully and maliciously sabotaged my credit report then strays away from accountability. The CFPB needs to file suit against this agency for breaking credit reporting laws, and failing to correct their mistakes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  there was a vehicle loan taken out through  XXXX   XXXX  that involves my name and my data birth I 'm not sure if the other identifying factors are associated with it it appears on my credit report I have tried on a number of occasions monthly since  XXXX  when I found out about this vehicle loan to get it removed and find out information about it I have yet to receive any information from  XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Remove all incorrect personal Information
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XXXX* Balance : {$210.00} XXXX XXXX Balance : {$520.00} XXXX XXXX Balance : {$470.00}
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, have violated my rights. 


15 USC 1681 Section 602 A, states I have the right to privacy.

15 USC 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer reporting containing the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish 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

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX  Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXXXXXX XXXX XXXX account, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite the statutory obligation, the credit bureau has failed to carry out a propera reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX. 
I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard.
Product: Debt collection

I applied for a CareCredit account in XX/XX/2022 and work with Synchrony Bank. I have had close to $ XXXX {$6000.00} in total transactions and have paid at least $ XXXX {$4500.00} in payment year-to-date. I have been on autopay and when checking my account, I now owe {$7900.00} after paying consistently for almost two years which would be {$13000.00} total. That is more than double than the transactions made on the card. There were {$1400.00} applied in fees for a Payment Security program that their customer service rep admitted that people often opt-in unknowingly. They were willing to remove {$1200.00} from the account which leaves me at $ XXXX that I still now owe. I reached out to their general customer service and they stated that they would not remove the interest applied in XXXX. They stated that there are " 4 promotions '' that were applied to my account which ended then. However, based on my payments, I had paid two of them off in time for no interest to be charged. The supervisor then told me that my payments were not being applied to the first two promotions and only for the other two. Might I mention that the promotions that the money is going towards were for two transactions that took place after the first two transactions. Therefore, they are applying my money in ways that financially gain them in the best way without asking for clear consent. They stated that I would have had to call and manually reach out for the funds to be distributed properly. Ultimately, this led to $ XXXX interest in XXXX alone. I tried to find a resolution to remove the largest interest charge, but they refused to work with me. I have been on hold for an hour. I spoken with 4 representatives now. This is not the only thing I have heard about this bank raising interest charges and sneaking opt-ins for their financial gain without the consumer knowing. It's at the bottom of the electronic statement about the " promotions ''. They know people are applying for care credit cards in times of emergency and know they are scamming people. It is spoken about over many forums and this bank should be investigated, if not already. A fair resolution would be to remove previous interest charges for neglecting to apply money towards transactions that happened before others. This would be at least {$2000.00} in interest charges and would bring my balance to the justified amount. They change their terms in order apply money to places for their financial gain. My money is being applied to charges that were already paid for but instead, I would have to manually call in order for my money to be distributed correctly. I am willing to pay for what I spent and some interest, but a bank being this sneaky with their fees and interests charge methods needs to make this right!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact Transunion credit Berau Transunion and they hanged up on me many times after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to Transunion credit berau supervisor and she hanged up on me telling me that a company can damage my credit report and report something is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare because I already had identy theft and they want me to give them more information so it gets leaked again. Please help me so Transunion credit report can take those innacurate inquiries XXXX XXXX XXXX XXXX XXXX that are hurting my credit score and I can't take a home because Transubion is refusing to remove information that is not mine AND they never responded the register letter I sent to them and I need help Please..
Product: Vehicle loan or lease

United States vs Santander Consumer USA My complaint is in reference to the class action lawsuit that was filed by the attorney general and several states, and which I was a part of the lawsuit and was awarded a check however, Santander made an agreement to remove all bad marks from Credit in reference to former consumers as it follows they are continuously holding me liable for a bad loan that was in litigation and they were found guilty of predatory loans to consumers who were at risk for default or repossession. I have contacted the attorney general in the district of Columbia and I was responded to. They also reached out to Santander to no avail they have not remove this remark from my credit report. And its been charged off 1099 IRS
Product: Credit reporting or other personal consumer reports

Fraud credit card opened in my name with CBNA. Account was opened XX/XX/XXXX and was closed XX/XX/XXXX with a overdue balance of {$2800.00}. XXXX, XXXX, XXXX, XXXX of XXXX where paid and then never paid again. I have called XXXX and they advised i call the CBNA overstock phone number and i filled a fraud dispute with them and they told me XXXX days for a investigation.
Product: Credit reporting

Good Afternoon I am submitting a complaint because there are hard inquiries on my credit report that I did not authorize. Equifax has reported XXXX hard credits I admit some are mine but there are several that are not. Listed below are these accounts and dates inquired. Thank you for looking over my complaint. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies- XXXX XXXX XXXX XXXX XXXX Account. XXXX. Line of credit for {$5000.00}. Since XX/XX/XXXX. 
XXXX  has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE USED MY SOCIAL SECURITY AND ID TO OPEN THE FOLLOWING ACCOUNT IN MY NAME:Pentagon Federal Credit Union (Pentagon FCU) Account number XXXX, the amount is XXXX, Opened XXXX XXXX XXXX.  I SENT THEM A COPY OF THE POLICE REPORT IN WHICH I HAVE ENCLOSED, ALSO FTC IDENTITY THEFT REPORT (  Thank you for reporting identity theft to the FTC.Your reference number is:XXXXIALSO SENT THEM AN NOTARIZED IDENTITY THEFT AFFIDAVIT.XXXX STARTED MY INVESTIGATION ALL OVER AGAIN, EVEN THOUGH THE 30 DAY TIME LIMIT WAS EXPIRED. SO THEY ARE MAKING ME WAIT ANOTHER 30 DAYS.
Product: Credit card or prepaid card

What to Do if You Get an Unsolicited Credit Card I received a U.S. Bank ReliaCard to my home in XXXX OR. 
It was supposed to be for benefits from the Colorado Department of Labor and Employment ( CDLE ) I filed a fraud report with the organization and called U.S. Bank Fraud Department and was told they would look into it. 
I have excellent credit and am XXXX. 
I never lived or worked in the state of Colorado. 
How can I be sure that this will not affect my credit or IRS information. 
I file taxes in CA and just paid for 2019 quarterly taxes. 
How can I find out if my information was fraudulently altered? 
How can I be assured this account is closed? 
I have put a freeze on all my accounts with credit monitoring agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was contacted by a phone number that, when researched, appeared to be connected with XXXX  XXXX XXXX. The " agent '' told me that an account was opened in my name and a check was deposited and two XXXX payments were made. Once I confirmed all events were not authorized by me, they said I was the victim of fraud and issued me a claim number and transferred me to XXXX customer service. XXXX told me I needed to send the " code '' XXXX to the XXXX Cancellation Dept email address. When I did not get a confirmation code from Ally, as they instructed would be necessary, they called back the following day ( XX/XX/2023 ) with a " supervisor '' and had me send " code XXXX '' to " XXXX XXXX. '' All these codes were ultimately payments, one for {$5000.00} and the following for {$1900.00}, totaling {$6900.00}. Ally proceeded to lock my XXXX account. The so-called XXXX customer service agent instructed me to call Ally to have my XXXX account unlocked, Ally informed me I was the victim of fraud and froze my account for one week. 

My account was unlocked on XX/XX/2023. Since then, Ally 's Fraud Investigators have not contacted me after multiple requests to speak to them directly. The fraud analyst says that I can not be refunded by Ally and that XXXX XXXX XXXX is responsible, though I do not have an account with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX did a hard pull on my credit after they said a was not going to be XXXX.