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

US bank Claim # XXXX I had contacted US bank on XX/XX/XXXX at around XXXX and spent 45 mins explaining the dispute situation wherein I was disputing the charge from XXXX for {$390.00} out of which I was disputing only {$190.00} which is half the amount. 

Originally I had purchased two pairs of XXXX XXXX from this merchant {$190.00} each which totaled to {$390.00} for 2 pairs. I received only 1 pair so I called XXXX and they refunded me for one pair that was missing and that was {$190.00} and then 1 day after I tried to return the second pair which I had actually received but I couldn't as XXXX deactivated my online account and told me that they wouldn't activate it so if I wanted the money back the only way to do that was to dispute the remaining {$190.00} with my bank and I explained this entire situation to " XXXX '' who claimed to be the manager at the US bank card member services and he assured me that there won't be any mishaps. I spent 45 mins on the call, but guess what US bank closed my dispute saying that XXXX already gave you a refund of {$190.00}. 

Are you seriously XXXX? Neither XXXX nor the adjustor are fit to be in the job they are. Has the adjustor even looked at this properly before closing this out and when I called back on XX/XX/XXXX at XXXX EST the lady I spoke to dint even care. I told her I will go to CFBP and she said go ahead. This is ridiculous. Her name was XXXX. 

US bank has the worst customer care agents and is the toughest bank to deal with. 

I had clearly mentioned that I am disputing the other half which is {$190.00}. 

Claim # XXXX I need my {$190.00} back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX shows that an account was opened under my name on XX/XX/2018. I have never had an account with XXXX XXXX XXXX. I have disputed this on my credit reports. The company shows the account closed as a charged off account but they still show the reported balance being {$290.00}. They have remarks showing the account was previously in dispute - now resolved by data furnisher but I need them to show the reported balance XXXX. I have notified the company asking them to do this but they say there is nothing they can do. This {$290.00} on my credit bureau reports is keeping me from getting prequalified to purchase a house. I need this off my credit report as soon as possible because it does not belong to me.
Product: Credit card

Months ago, I received a call from Capital One. One of my accounts, which had been dormant for months if not years, had a fraudulent charge, which they said they would refund. They did not refund it, so I called them again when I got a late notice, and they refunded it -- but then interest and fees appeared on the loan. Again, I called, and again they refunded everything. Then I got hit with another past due fee and another interest charge. This has happened 4 times now, and I have been reported as late to the credit bureaus, even though I have not used this card at all in years!
Product: Credit card

Credit Card '' 15 USC 1602 ( I ) The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( There is no limitation to the term any. Any means all. This is why a social security card is technically a credit card because it is always used to obtain property, money, labor, and credit. ) Each violation of Title 15 of the United States Code is {$1000.00}. 


I, the consumer and natural person, was denied credit by Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX when I applied for a insert whatever you applied for. 
According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. 
Due to the response I received by Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX you are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received. 
Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 
Furthermore, because my social security number which according to 15 USC 1602 ( 1 ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Company Name. 
If Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit credit card I will indeed make Bank of America, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, & XXXX criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. 
I will also follow up with an invoice for said violations ( {$1000.00} per violation ).
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practice, which violat 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 unprecedented. 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

Credit bureau was contacted via mail on XX/XX/2021, XX/XX/2021, and by phone on XX/XX/2021. I requested that they provide their method of verification for a bankruptcy listed on my credit report. They have not responded at all to the letter mailed on XX/XX/2021. I resent the same letter on XX/XX/2021 and still have not received a response. On XX/XX/2021 I was able to reach a rep on the phone who told me that they do not have any records of any letters being received by me to them. I asked for a supervisor, who's name is XXXX. XXXX gets on the phone and advised that the address I have is incorrect. 

I asked XXXX to pull up the report # I have and to look at the address provided XXXX XXXX XXXX XXXX XXXX, GAXXXX XXXX ) for consumers to send information to. XXXX looked up the report and advised me that he will try to have the information corrected, as the address for disputes on my credit report is not the correct address and that I should send them to : XXXX XXXX XXXX XXXX, GAXXXX XXXX. 

Now I have to resend the request for information letter again, and wait another 45-60 days. How can they have the wrong information when we are trusting them to have the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX and the beginning of XX/XX/2022 I submitted a payment for my XXXX XXXX credit card for XXXX XXXX It was a time when XXXX XXXX was converting from Synchrony Bank to XXXX. The personal check was issued to Synchrony Bank. The money was withdraw from the account on XX/XX/2022 ( see attached documents ) by Synchrony Bank XXXX never acknowledged receiving the amount of XXXX XXXX Every month I am receiving a XXXX XXXX credit card statements from XXXX for that amount including late fees every month. I am not using this card since the issue started back in XXXX XXXX. I made numerous calls and spoke to so many customer service representatives, relationship managers and supervisors, but they were not able to resolve an issue. The were keep reopening the cases one after another over the XXXX past months with no resolution of the problem. As per XXXX, they never received the money and as per Synchrony Bank, the check for XXXX $ was returned to my personal account. The check was never returned ( see attached documents from my bank and the letter from bank manager ). Synchrony Bank keeps telling me that the money was returned to my bank, but they are not able to provide me or my bank with the proof. They acknowledged they experienced so many issues during the conversion period, yet they do not want to take responsibility for the missing money. As of right now, XXXX  months later, both Synchrony bank and XXXX say they are unable to resolve the problem and they expect me to pay XXXX $ again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Mortgage

On XX/XX/XXXX I purchased my loan with a home buyer program called XXXX XXXX. I was advised how this second lien works and what this meant by the title company and the notary. I signed all my closing documents that included the note and the forgiveness disclosure. I was told I will have a 2nd mortgage for 36months and after that it would be forgiven. All documents have the same loan number and Barcode at the bottom for recording/scanning. The document states that the second will be forgiven after 36months of on time payments. I have complied with making all payments on my first and second on time. I Initiated to start the process to have the second mortgaged released on XX/XX/XXXX. After 7 months of providing documents and having my emails avoided and generic replies the lender replies to a XXXX  complain that says " The Forgiveness clause would have needed to have been written into the loan agreement rather than as a separate unrecorded document that was signed only by you ''. This loan was transferred from XXXX XXXX XXXX DBA XXXX XXXX. To XXXX XXXX  XXXX XXXX. The lender who purchased the loan ( XXXX XXXX  XXXX XXXX ) should be required to honor the contract according to the signed contract and the program being used for the second lien. All my documents were signed at the same time and sent to title for recording. What documents transfer or how they transfer to the new lender would be between the lenders and not the consumers job to make sure the new lender gets the recorded copy of the forgiveness document. As the consumer I am complying with my responsibilities. I have made all 36months payments on time. I have kept all records of this transaction. I have shared my on time payment history with both copies from the lenders and a copy of my credit report. I have the {$50.00} max funds needed for recording once this is prepared. If the lender needs a recorded copy they should reach out to the title company to confirm the closing package or the previous lender they bought the 2nd lien from to verify this was part of the recorded package. This company is avoiding the responsibility of releasing my lien according to the signed agreement because they do not like the format the previous lender used or how the program required this to be documented. This is not a valid reason to avoid honoring a signed contract. This is a formal complain against Shellpoing/Newrez and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with the credit bureaus and told them that there are multiple duplicate student loan accounts on my credit report and if they ca n't determine which ones are duplicate and original, that they must delete them all.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

Hello I have this inquiry thats and my credit report I didnt give permission to run my credit I need those inquiries to be removed because its fraudulent this company name is Cig financial XXXX XXXX XXXX XXXX XXXX  Cig financial XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting me deceased due to that Im having hard time getting loans. I submit it a complaint in XX/XX/2021 and never got a response
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The FCRA mandates that consumer reporting agencies take reasonable steps to ensure the accuracy and privacy of personal information ( 15 U.S.C. 1681e ). If this information is found to be incorrect or unverifiable, I request that it be deleted from my credit report. 

Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

I contacted the Collection agency to question the validity of the alleged debt however, upon providing my personal information the agent on the phone stated that I had provided a different social security number, I asked the agent what number they had on file she responded that she's unable to provide the number because although it has my name and addresses the social was incorrect. I asked why they continued reporting to all XXXX credit bureaus. I want this removed from my credit files for inaccuracy, not my Social Security Number. 

Midland Credit Management
Product: Mortgage

Mortgage servicer  XXXX  Mortgage provided inaccurate account information to my mortgage insurance company resulting in a warning letter that my mortgage insurance would be cancelled. According to federal mortgage servicing law, the mortgage servicer must make timely payments so the aforementioned does n't happen. Due to this error there are potential monetary penalties that could be imposed as well as the possibility that the insurer will not renew my policy when it comes up for renewal due to the error committed by Freedom Mortgage. I am now considering legal action for direct, indirect and consequential damages.
Product: Vehicle loan or lease

Dear Huntington National Bank Customer Service Team, I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) for the charged-off loan associated with my account. I believe this form should have been issued for the tax year in which the debt was canceled, but I have not yet received it.

Account Details Account Holder Name : XXXX XXXX XXXX XXXX Account Number : XXXX Loan Type : Auto Loan Date of Charge-Off ( if known ) : XXXX This document is essential for my tax records, as the Internal Revenue Service ( IRS ) requires me to report any canceled debt as income. I would appreciate it if you could confirm whether a Form 1099-C has been issued for this account. If it has been issued, please send a copy to the address provided above.

Additional Information If a Form 1099-C has not yet been issued, I kindly request confirmation of whether the debt has been canceled and, if applicable, the required documentation to comply with IRS guidelines .

Please feel free to contact me at XXXX, if additional information is needed to fulfill this request. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I opened a capital One secured credit card to help build my credit. I have paid my payments on time and early since. I was informed my account was closed and after talking to five different people at capital one who couldnt tell me why a man got on the phone and told me that is was closed because of a past or present legal action against me. So Ofcourse I panicked thinking I had a legal action against me somewhere and almost had a nervous break down! After calling every court house anywhere I have ever been I find out that I have no past or present legal actions against me! I got the card to build my credit and now will have a bad mark on my credit because they closed my account for no reason!
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX