23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This has happened twice already and Target XXXX XXXX is withholding available credit from consumers. We make a payment and it takes longer than a week to see available credit on your account. 

First incidence occurred over XXXX. I paid a little more so I could buy items for a daughter 's trip. The payment had processed a few days after I called them but they couldn't confirm it on their system. I had to call them and call my bank so they could know that the payment had processed. 

More recently, I paid on XXXX XXXX, payment went through on XXXX XXXX and called today to ask them to credit my account. They said they still couldn't do it and that it takes two days for them to see the payment. But it's been longer than two days -- a week since payment processed. 

At this point, Target XXXX XXXX is stealing money from consumers. If you make a payment, you should see the credit available as soon as the money comes out of your account. 

The website is terrible and outdated too -- I entered my checking account information in XXXX, system said it was fine, but it wasn't. Payment was returned and the rep today tried to say it was because of that that I didn't have credit available. 

I am asking for : XXXX ) Target XXXX XXXX to credit consumers with available credit as soon as payment clears on the consumer 's checking account. 
XXXX ) Please refund {$30.00} returned payment fee. The website is outdated and I should not have to pay that. 
XXXX ) Please have a real email that consumers can send complaints to. I sent an email to Target XXXX and I received a standard email response. 

Such a great store but your credit card system is very outdated and hurting consumers.
Product: Debt collection

After advising World Finance Corporation of my financial difficulties due to a faulty eviction and XXXX check getting cut off, they ( World Finance began harassing/stress tactic collections ). 

Violation : World Finance used other sources point of sale terminals and tried to take money from a debit card of over XXXX due amount and then sent a letter from a different agency with a balance of XXXX. This was all after my constant and written updates of my situation. 

Headquarters stated they do not condone this type of conduct by employees and debt not owed/not in system any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why would I subscribe to your services when you have already submitted a credit report that has ruined my credit limit. If I been on your files since XXXX you should know that I have lived at my present address since XXXX. The one address you reported XXXX XXXX XXXX was my parents address. The rest are bogus addresses. You don't have any employment info, I worked for XXXX in XXXX, XXXX for 27 years. The JPMCB Card Services is something I know nothing about. I don't know where you dig up your information but obviously you don't do a very good job.
Product: Money transfer, virtual currency, or money service

Cash app failed to take timely and effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. These actions have caused significant inconvenience and financial loss.
Product: Money transfer, virtual currency, or money service

I have had a Coinbase account for years, I have a level 2 verified account which includes ID verification verified with my face photo, verification of my bank account etc. 

support cases and complains on platform : [ Case # XXXX - Complaint # XXXX ( and case # XXXX, and case # XXXX ) ] Given the good performance of the platform I increased my purchases during XXXX and on XX/XX/XXXX they blocked my account claiming that it was being reviewed, after three support tickets and 15 days they unlocked my account saying that everything was resolved ( I attach email of this confirmation ). 

On XX/XX/XXXX of this year XXXX XXXX ) they blocked it again without notice, without giving justifications, and my support tickets are ignored ( no response after almost a month of communication attempts ), I opened a formal complaint on the platform after no response from support and also got no answer so far. 

I will not recover the lost investment possibilities but at least I would like to be able to access my funds again as soon as possible since no reason has been given as to why I am banned from accessing them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My understanding is that FCRA XXXX requires us to expunge any inaccurate accounts from my credit report. Can you please verify the documents? There are inaccuracies in the reporting of certain listed accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICRTIM OF IDENTITY THEFT AND IDD NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRET MY CREDIT REPORT. I DO NOT CONSENT TO, THE UNAUTHORIZE USE OF MY SOCIAL SECURITY NUMBER PURSUANT TO 15 USC 1602 ( P ). I DEMAND THAT YOU BLOCK AND REMOVE ALL THE ITEMS LISTED INCLUDING ALL PERSONAL INFORMATION THAT IS NOT ON MY LICENSE ON PROOF OF ADDRESS ATTACHED. PURSUANT TO 15 USC 1681C-2 BLOCK AND REMOVE THESE ITEMS IMMEDIATLEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my report and noticed ai had traudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Debt collection

A company kept calling me in regards to a friends debt. They said there was a case being filed against him. Therefore, they were disclosing that he had a debt. Also, they kept saying that he was legally served on my voicemail. Which was a lie. In addition when I called back to tell them to stop calling and harassing me, they did not disclose they were on a recorded line. When I told them the number they provided was not a legal case number they said it was. 

The agent was very nasty to me. I told her that I wanted the name of her company and she would not give me the full name. I told her they were violating the FDCPA and was going to enter a complaint. I have kept the voicemails as well. 

I work in litigation as well for debt. This was very disappointing to me and this is the type of agency that gives all of us a bad reputation. 

The company called me from XXXX and told me to call back XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.
Product: Debt collection

XXXX account number balance {$3400.00}. I received a of my copy report to my surprised they are reporting this account incorrectly also this collection account is reporting not only as Open but also shows a past due balance.
Product: Vehicle loan or lease

I am writing to file a formal complaint against XXXX Acura XXXX XXXX, operated by XXXX XXXX, regarding a serious case of fraud and forgery involving an employee named XXXX XXXX. This case involved unauthorized alterations and duplication of a vehicle lease agreement that was fraudulently signed in our names. 

Incident Description : On XX/XX/year>, my wife and I entered into a vehicle lease agreement with XXXX XXXX XXXX XXXX. Without our knowledge or consent, a second fraudulent contract was created by XXXX XXXX on XX/XX/year>, which included terms we never agreed to. This fraud was only discovered at the end of the lease term due to additional unexpected fees being charged. 

Discovery and Subsequent Actions : Upon discovering the forgery, we filed a police report with the XXXX, Arizona Police Department, which was forwarded to the XXXX Police in California. However, this case was not pursued due to other ongoing police priorities. We also reported this incident to the XXXX Investigations Department, who confirmed the fraud but did not press charges due to the lack of an eyewitness. 

Additionally, we filed a fraud claim with Acura/Honda Financial , who after their investigation, confirmed the contract was fraudulent and removed the associated credit line from our credit reports. Unfortunately, this action resulted in a significant drop of over XXXX points in my credit score, further compounding the financial damage we have suffered. This significant drop impaired my ability to purchase another vehicle and caused my insurance cost to rise significantly. Importantly, Acura/Honda Financial has declined to refund any payments made under the fraudulent contract. 

Advers Action by Honda/Acura Financial : While we were actively seeking resolution, Acura/Honda Financial proceeded to repossess the vehicle, exacerbating the situation and leaving us without a critical means of transportation since we are a one vehicle household.

We trust the CFPB will take immediate action on this matter, which not only involves financial exploitation but also significant distress and damage to our financial standing. 

We have documents supporting our claims, evidencing the discrepancy between the original contract and the forged documents. The file is large and over XXXX megabites in PDF format. I attempted to upload the files and they will not upload, even when the file size was reduced.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate and incomplete information on my Transunion consumer report. After Transunion 's investigation these errors still remain on these accounts. I am disputing these accounts again. Please see attachments.
Product: Debt collection

I am writing to formally dispute the collection account reported by " Southwest Credit Systems '' on my credit report and to request an investigation into their practices and compliance with federal consumer protection laws. 

XXXX. Lack of Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information upon request. Despite my repeated requests, " Southwest Credit Systems '' has failed to provide the necessary validation information for the alleged debt. This failure to provide validation before placing the collection account on my consumer report is a clear violation of this regulation.

2. Right to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the validity of a debt. However, " Southwest Credit Systems '' has not provided me with a proper opportunity to dispute the account, nor have they acknowledged or addressed my disputes in accordance with this regulation. 

XXXX. Misleading and Deceptive Practices : I believe that " Southwest Credit Systems '' is in violation of the Fair Debt Collection Practices Act ( FDCPA ) by employing false, misleading, and deceptive means in their collection practices. Their conduct is not only unethical but also in direct violation of federal regulations protecting consumers from such practices. 

XXXX. Unauthorized Reporting and Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency is prohibited from furnishing any account to a consumer reporting agency without first providing all required disclosures. " Southwest Credit Systems '' has not adhered to these requirements, thereby violating my consumer rights. 

XXXX. Proof of Licensing and Bonding : Additionally, I request that " Southwest Credit Systems '' furnish proof that they are licensed and bonded as required by state and federal law to engage in debt collection activities. This documentation is necessary to ensure their legitimacy and compliance with legal standards. 

Request for Action : I dispute owing any and all debts to " Southwest Credit Systems '' I request immediate debt validation, including the purchase agreement between and the original creditor.

I revoke any and all rights " Southwest Credit Systems '' may have to communicate with me through email, text, or phone calls. 
I request proof that " Southwest Credit Systems '' is licensed and bonded to collect debts. 
I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against " Southwest Credit Systems '' for their non-compliance with the aforementioned regulations. I also request that you assist in ensuring the removal of the disputed collection account from my credit report until proper validation and proof of licensing and bonding are provided. 

Thank you for your attention to this matter. Please confirm receipt of this letter and provide me with an update on the progress of your investigation. 

Sincerely,
Product: Mortgage

We were trying to apply for a mortgage. Since my credit is locked they refused to use only my wifes credit and because we do n't have any recurring credit were not approved. This part was fine. 

The problem is that we are staying with our kids at their house, and we told them to use our mailing address and to NOT send anything to our kids address. They ignored their own application that shows a mailing address on it. We told them we do n't use our kids address for anything, and they used it during my wifes credit check, and then also against our request they also sent their credit documents to our kids address ignoring our request to ONLY use our mailing address. Now we will start to get things mailed to our kids address against our will and promise to them to never use their address for anything.
Product: Credit card or prepaid card

I filed 2 fraud claims for XXXX and XXXX total claim amount XXXX and bank of America is refusing to credit my account my temporary credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on the cfpb website stating that XXXX is in violation of the cares act. The cares act is meant to protect consumers from having their credit score hurt XXXX XXXX who works for XXXX hasn't addressed any of my complaints. The Fannie Mae website promises consumers that id they choose to go into the covid forbearance plan... It will not affect their credit scores and the WILL be able to refinance in the future if they make 3 successful payments once out of forbearance My rights are being violated. 

XXXX ... Where is your heart? 
I was sick with XXXX in the hospital. 
I'm an honest consumer who never had a late payment ever since 2015 What is XXXX gaining by braeking the law and reporting me 120 days past due when I have made 5 consecutive payments in a row? 

Do you like to torture your customers? 

Does it give you please when an honest hard working man needs to have a low credit score and pay higher interest on credit cards when he was promised that forbearance wouldn't hurt his credit score? 

Do you enjoy breaking the law and causing me not to be able to refinance since I'm marked as 120 days past due? 

You surely have heard of goodwill credit report deletion? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have completely complied with all payments since exiting forbearance ... I am asking you as a goodwill gesture to stop damaging my credit as the US law ensures that those exiting forbearance will not be negatively affected and will be able to refinance.
Product: Student loan

I am enrolled in Public Service Loan Forgiveness and as a result have FedLoan Servicing as my servicer. I have continual problems with them as my servicer. I recently got married and changed jobs per my contract I submitted new information for my Income Driven Repayment. When I did so I got a message saying this had been approved on XX/XX/2018. Then on XX/XX/2018 I received a message saying my IDR request was denied because it was too early for my annual re-certification. At the time I was traveling so on the morning for XX/XX/2018 I called as was told that the rejection message was automatic and did not apply to me since I had a change in status. The representative reported to me that my new IDR repayment would begin on XX/XX/2018 ( this is what I expected ). I logged into my account that night to see that a forbearance period had been applied to my account for XXXX. I never requested this. I was fully expecting to make my payment for XXXX. I called the evening on XX/XX/2018 and spoke to someone who reported that yes, this had been applied and that I would need to speak to a counselor to have this resolved. I was transferred and then was on hold until they closed at 9pm. I called back today XX/XX/XXXX and a counselor removed the forbearance but let me know that it would take XXXX business days. I asked about my XX/XX/XXXX payment and they reported that I should log back in on the XXXX and if it didn't go through to call again. I was on hold for 20 minutes before being able to speak with someone this evening. 

The poor service I receive from the U.S. Department of Education is not acceptable. My interest accrues daily. Each day I wait for them to resolve an issue costs me {$30.00} in interest. It is so concerning to me that a forbearance was applied to my account without my knowledge- especially given how quickly interest capitalized on my account. Missing one monthly payment that I was fully prepared to make will cost my thousands over my repayment period. It is also unacceptable to have to continually call back- and very difficult to do so since I work two jobs in order to repay these very loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a identity theft issue
Product: Credit reporting or other personal consumer reports

I filed a CFPB complaint on Transunion and XXXX stating that they keep saying they have verified my XXXX  XXXX BK as correct because they verified with the court. THIS IS FALSE. I counted the county clerk for BK and they stated that the court does not confirm or verify BK information with any credit reporting agencies. I l have asked them to provide me the source of their verification and they continue to state that they verified with the court but provide no documentation or proof. They just say it's correct. CFPB for involved just last week and already Transunion and XXXX have both electronically sent a message stating that the report is correct. Again with no proof or verification process. They could not have verified with the BK court because THE COURTS don't verify. What is going on here? What was the purpose of my CFPB report if the credit agencies spent exactly 5 days to respond with a generic fake response saying the information is correct??
Product: Mortgage

Nationstar Mortgage is well aware of litigation concerning the Deed of Trust they've recorded an assignment.  There's litigation pending that the Deed of Trust is void.  In an attempt to obstruct justice, commit fraud upon the Court and defraud me, Nationstar Mortgage is filing fraudulent documents to harass me. On XX/XX/XXXX Nationstar Mortgage recorded a Corporate Assignment of Deed of Trust without any authority. The Deed of Trust allegedly assigned is the subject of the lawsuit styled XXXX v. XXXX XXXX XXXX XXXX XXXX in the XXXX County, Texas District Courts numbered XXXX.  Nationstar Mortgage is aware of the pending suit referencing this Deed of Trust.  Nationstar Mortgage is filing fraudulent governmental records in the XXXX County Real Property records to harass me and create a cloud on my title. Nationstar Mortgage should cease and desist further fraudulent recordings on my property.  On XX/XX/XXXX Nationstar Mortgage recorded a Corporate Assignment of Deed of Trust assigning the same Deed of Trust to XXXX XXXX XXXX XXXX from XXXX XXXX XXXX  (defunct entity) .  Under Texas law,  an assignment cannot be made by a XXXX man; it is a transfer by one existing party to another existing party of some valuable interest. XXXX v. XXXX, XXXX XXXX XXXX XXXX (XXXX. XXXX. XXXX.-XXXX  XXXX, XXXX XXXX XXXX.).
Product: Debt collection

I received notification from Jefferson capital about a {$2700.00} debt I owed to XXXX. I have not owned a XXXX  account in over 10 years and the company no longer exists. I contacted them and asked for proof of the debt and expressed my frustration at this fraudulent attempt at collecting an undue debt. They said they would no longer inconvenience me about this and to disregard. They then reported it to my credit bureaus. They have not provided any evidence of the debt, the date of the debt or proof from XXXX that the debt is valid
Product: Checking or savings account

On XXXX, XX/XX/2024, I inadvertently left my BPPR XXXX  debit card at an ATM during a trip to XXXX, XXXX. Immediately I realized about XXXX minutes later, I ran to the machine and they had already removed the card. I tried several times to contact the BPPR telephone numbers on the back of the card without success presumably because the call is long distance. I called my daughter in XXXX  who managed to cancel the card using my credentials. 

Upon returning to XXXX  on the XXXX ( 3 days later ), I was able to speak with a BPPR representative who confirmed that the card was blocked and we went over the fraudulent charges which were all still in process. Even after taking these precautions, the BPPR honored the fraudulent charges! 

They sent me a letter saying that the bank 's policy is that I am liable up to {$500.00} if I do not contact them within two days of the episode. The BPPR made an error because all charges were in process with the card already canceled since the day of the event. There are only two charges on the same day, XX/XX/XXXX, after I lost the card, which curiously appear in the attached statement before withdrawal at the machine. All other charges were two days after the card was canceled.
Product: Payday loan, title loan, personal loan, or advance loan

Hello, I received this notice about some credit company I have never heard of. I have never applied for this and this keeps happening with check cashing services all over the country. I dont know how to put a stop to it. I live paycheck to paycheck and have no money. Please help. 
Best Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

All the money I transferred through this app that I used on a daily basis. I want all the money that was reported to be refunded to be returned.