23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to express my profound dismay and seek clarification regarding the sudden closure of my Discover credit card account, ending in XXXX. Since becoming a Discover cardholder in XX/XX/XXXX, I have diligently maintained my account, showcasing loyalty and consistent usage over the past six years. My credit line, which had been meticulously built up to {$10000.00}, reflects my responsible financial behavior and trust in your services. 

On XX/XX/XXXX, I was surprised to receive an email regarding an internal investigation, requiring my consent to submit a 4506-C form to the IRS for identity verification and tax information review . The nature of this investigation was unclear to me, as I have always adhered to the terms of service and have not engaged in any activity that would warrant such scrutiny. 

Following this, I received a call from your customer service center, informing me that the investigation had proceeded but without offering any further details. Despite my confusion and concern, I complied with the request and provided my consent for the investigation, trusting in XXXX 's process and integrity. 

However, on XX/XX/XXXX, I was shocked to find my credit card deactivated without any prior warning. This was followed by emails confirming the closure of my account. The absence of communication and explanation from Discover regarding this significant action has left me both troubled and disappointed. The decision to deactivate and close my account, especially without clear communication, undermines the trust and reliability I have placed in Discover over the years. 

I respectfully request a thorough explanation for the closure of my account, including the specific reasons behind the internal investigation and the subsequent decision to close my account. Additionally, I would appreciate guidance on the steps that can be taken to address this matter promptly and fairly. 

Your attention to this issue is not only crucial for resolving my current predicament but is also essential for maintaining the trust and confidence of your customers in your processes and decisions. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution.
Product: Student loan

On XX/XX/XXXX AES /NCT raised my rate again. This was 100 % retaliation for me opening CFPB claim on them. The last time rates went up they coincided we Fed rate hikes. This was not. Not only was this retaliatory but fact they keep raising the interest is artificially raising my payments to insane level. To date on my XXXX loan I have already paid {$54000.00} in interests alone with XXXX still left to pay. This has to be illegal. This is just the same as a payday loan place. We need some consumer protection on this issues
Product: Credit reporting or other personal consumer reports

My boyfriend has an XXXX XXXX card. I don't know the exact date I was added but I think it was around XXXX or XX/XX/year>. He asked for an additional card to be made for me, with my name on it. I was only to be added as an authorized user. I started to notice my credit score was decreasing over time. After about 3 months my credit score had dropped around XXXX points and I realized that my boyfriend 's debt was being reported on my credit report. When I called XXXX XXXX I was told that I was financially responsible for the credit card by some agents and that I was not financially responsible responsible ( only an authorized user ) by other agents. Either way, no one could explain why the debt was being reported on my credit report and no one would do anything about it. XXXX XXXX agents also refused to remove my boyfriend 's credit card from my profile, despite my repeated requests. They kept telling me only my boyfriend could do that. I have no idea how XXXX XXXX can force me to keep a credit card on my profile. My boyfriend closed the account and paid off the credit card but my credit score has only gone up a few points because his debt information is still listed on my credit report. I am very concerned how any of this was allowed to happen. I have also had issues with never receiving my airline companion fare benefits when I had the XXXX credit card. I am concerned that XXXX XXXX seems to have some shady business practices and will continue them if they are not held accountable. I hope someone can help me, as this is devastating my credit report that I have worked hard for 25 years to get to excellent. I attached a screenshot from my credit report where it shows my boyfriend 's {$22000.00} debt on my credit report. It even says {$22000.00} out of {$35000.00} and I don't have a credit card with a {$35000.00} spending amount, so that can't be my credit card.
Product: Credit card or prepaid card

I've a Uber Visa BarclaysUS card. I used the card to order on Uber eats but the order didn't arrive. So the Uber eats team refunded me for the order. However, I still see the charge on my credit card. I raised a dispute online but I got a courier saying that I was missing certain info due to which my dispute was rejected. Now when I talked to the customer service, they asked me to send a dispute over a physical mail in writing. 
This is really bad and unethical behavior. The team is clearly doing everything to make it difficult for the customer to get back a valid refund. 

Order Date - XX/XX/2020 Transaction Date - XX/XX/2020 Amount - XXXX
Product: Vehicle loan or lease

I elected to have the GAP ( Guaranteed Automobile Protection ) coverage that I chose to have in the event that my auto was totaled. I paid {$250.00} for this coverage. My car was totaled and my insurance company refused to cover the accident because they said that I had not paid for the current months premium which was not true. I called Toyota Financing and told them what had happened and that I wanted to draw upon my Guaranteed Automobile Protection policy until I could work the problem out with my insurance company. Toyota refused to acknowledge my CAP policy. 

In my previous complaint about Toyota Financing to the CFPB they responded with total lies about my payment history but I did not get a chance to respond before the CFPB closed my complaint, hence this follow-up complaint. 

Toyota Financing claimed that I missed payments beginning in XX/XX/XXXX and continued to miss the monthly payments from there onward. This is 100 % untrue. I have attached my payment history report that I received from Toyota Finance. The last payment that I made was on XX/XX/XXXX for {$1000.00} which covered payments for XX/XX/XXXX, and future payments for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. *refer to the payment history that Toyota gave me. 

I have also attached the original contract which states the terms of the GAP insurance. I have added my red lines to this contract for you so as to point out the legal terms of having the GAP coverage. 

I realize that the CFPB will not do anything about this complaint except to stash it in the data banks of the FTC files but understand this. I have already received permission by the new administration to submit the evidence that I have proving that several government agencies, yours included, are a waste of the taxpayers money and that they do nothing that actually helps the consumers. Your agency is going to be liquidated. Companies such as Toyota are going to be held accountable for all of their past illegal activities and will pay dearly for their fraudulent activity. Mark my words, your time is limited.
Product: Credit reporting or other personal consumer reports

Good day to I am not sure as to what dates the incorrect information was on databased but i have incorrect inquires on my credit report that I have not assigned to be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit score and realize that is very low. I was shocked when I saw it on my credit account. I believe that someone used my personal information
Product: Payday loan, title loan, or personal loan

I was inquiring about a loan of {$400.00} from Big Picture loans. I made it to the final step and decided I didn't need the loan. I then recieved {$400.00} from the loan company. When I noticed I called to find out how I recieved the money if I did not finish the loan application. I was given the run around until finally I became frustrated and hung up. They started taking {$140.00} from my account every other week. When I called to inquire how long it would take to pay off after the payments never stopped they tried to look up my account with an email Address but said that they did not have an email Address on file because the application was never completed. I would not provide them with my email Address because they told me that all loan agreements must have a email Address in order to be signed. They now say I still owe them over {$600.00}.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

my wages are being garnished for a debt that is not mine.I have received credit reports from XXXX, XXXX XXXX and this account is no where in my credit reports.After reading the writ of garnishment I noticed that the social security number *********** had been crossed out and my social security number *********** had been handwritten in.This is not my account and I feel like a victim to unfair debt collection.
Product: Credit reporting or other personal consumer reports

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized inquiries/addresses that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These unauthorized inquiries/addresses have negatively impacted my creditworthiness and financial opportunities. Specifically, the inquiries/addresses listed on my credit report exhibit the following violations : Violation 1 : Unknown Inquiry Purpose.

Violation 2 : No Consumer Consent.

Violation 3 : Inaccurate Reporting Date. |FCRA Violation : Failure to provide clear and accurate information to the consumer. ( FCRA 623 ( a ) ( 1 ) ( A ) ). Failure to Provide Clear and Accurate Information : The inquiries/addresses information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized inquiries/addresses remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized inquiries/addresses from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Dear CFPB, I am reaching out to you, the U.S. government agency that makes sure banks, lenders, and other financial companies treat consumers fairly, after communicating with Wells Fargo Bank N.A. ( Wells Fargo ) as instructed and required under Regulation Z did not resolve the issues.

In regards to 12 CFR Part 1026, Truth in Lending ( Regulation Z ) : Part 1026, Section 1026.12 ( c ) Special Credit Card Provisions [ Section 1026.12 ( c ) ], Wells Fargo is in non-compliance by not fulfilling its obligations under such regulations. Further, based on Wells Fargo 's response, it appears that I was not treated fairly. With your assistance, I am seeking a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account listed as XXXX, XXXX & XXXX is appearing as a collection on my credit file which is invalid as I've never received any notification from this company or handled business with this company. This is inaccurate information being listed.
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and U.N.C.I.T.R.A.L Conventions.
Product: Credit reporting or other personal consumer reports

I was looking at my credit report and I had unauthorized inquiries that I did not approve or had any knowledge of and it has hindered my credit badlXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally dispute and request the removal of unauthorized hard inquiries on my credit report, which were made without permissible purpose, and in validation of my rights as a consumer, these inquiries have adversely impacted my credit report. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Full name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Last week I had my car repossessed. I had been talking with XXXX XXXX XXXX for for months and told them I was experiencing a financial hardship due to the Corona virus  and I was waiting for my taxes which I still havent received they offered no assistance and told me I need to pay {$4000.00} to get my car back and they plan to auction it on XX/XX/XXXX. I also have a lease with them as well which I called about and asked for assistance they said I would have a 90 exemption and I would not occur any fees but now I am being charged a {$69.00} late fee and being told I am past due. During a pandemic they have been unprofessional and hard to work with. I need help and they are not welling to help at all.
Product: Mortgage

A few months after closing my 2018 mortgage with Fifth Third Bank, the bank sent me a forced flood insurance policy and added the monthly premium to my escrow. The forced flood insurance policy is for {$3000.00}. A similar policy is less than {$250.00}. I received the first higher payment in XXXX 2018 and immediately contacted the bank. I explained to them that I live on a second floor condo and was not requiered to have flood insurance. This info was also in the closing docs and was never requested as manadatory by the bank for closing. Since XXXX the bank has been forwarded the flood zone docs for my property. A few weeks after sending the flood docs to the bank, they claim to have never received them. They were sent a second time. On XXXX XXXX, 2018 they sent me a letter cancelling the insurance. The letter shows a prorated amount, still charging me for XXXX months. I have made several attempts since XXXX for a refund and credit to my monthly escrow and have been unsuccessful. The bank is non-responsive and I have tried several times to visit a local branch. These visits have been unsuccessful as the bank claims they can not handle this issue from a local branch. There seems to be a general lack of care from the bank and a designed business practice to force flood insurance on their clients. This is placing me in a financial hardship and no end to a resolution.
Product: Credit reporting or other personal consumer reports

" noticed several unauthorized inquiries on credit report that I would like removed Infor them that according to the FCRA these unverifie and unauthorized items must be removed. " XXXX XXXX XXXX XX/XX/XXXX. CAPITAL ONE XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX removed the account number ending with XXXX but they have declined my request for compensation when I am entitled to compensation of {$1000.00} per violation and they report this account on all three of the credit bureaus I am entitled to XXXX per account on each credit bureaus.
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed XX/XX/2023 in which I requested that a account listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX | Account XXXX XXXX XXXX XXXX
Product: Mortgage

I lost my job in XX/XX/2018, due to no fault of my own. I was Also experiencing health problems. I filed a forbearance but my home was still turned over for foreclosure. 
I was constantly getting different info from PNC even up to the time I received notice of foreclosure. I was offered an unfair modification plan that will not benefit me or my situation. 
Adding on terms to my existing loan is not much help. 
There are other modification plans that would be more beneficial. 

There is no hardship financial homeowner assistance programs Available. 
The hardest hit fund was depleted. 
I need honest help saving my home.
Product: Debt collection

XX/XX/21 XXXX XXXX XXXX sent me a letter stating they were pursuing debt payment of {$130.00} for a PayPal account in the name of XXXX XXXX. the notice doesn't say when the debt was incurred. I called them to explain that isn't my name and that I have an active PayPal account of my own with my correct name. They sent me a " Response to dispute and verification notice '' and wanted me to have it signed by a notary public but the paperwork is still addressed to XXXX XXXX, which is not me, XXXX XXXX. XXXX XXXX XXXX also believed this was probably a fraudulent attempt to collect money. XXXX XXXX did state that this fraudulent PayPal account was using my social security number but had a bogus email account tied to it.
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 XXXX ( 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

Subject : Urgent Request for Documentation - Account Number [ Your Account Number ] Dear Sir/Madam, I trust this letter finds you well. I am writing to address a matter concerning the alleged debt associated with my account, specifically referenced under account numbers [ Account Number 1 ] and [ Account Number 2 ] that are also NOT reporting on my consumer report. As a responsible consumer, I have consistently sought to understand the details surrounding these alleged debts.

Your recent correspondence indicates two accounts, one with a balance exceeding {$600.00}. My primary concern is to obtain accurate and substantiated information regarding these purported debts. To this end, I have repeatedly requested documentation, particularly Form 1099-C, which would serve as proof of the debt cancellation.

While I appreciate the complexities involved, the timely provision of Form 1099-C is crucial for transparency and compliance with tax regulations. However, my attempts to obtain this documentation have been met with responses indicating that there " isn't time for that. '' In light of your assertion that I owe these debts, I kindly insist on the prompt furnishing of the Form 1099-C for the specified accounts. In the event that providing this documentation proves challenging, I must emphasize that the accounts in question must be promptly deleted from my consumer report.

Failure to furnish Form 1099-C or to delete the accounts from my consumer report will leave me with no choice but to escalate this matter further. I will be compelled to contact the IRS to report potential fraudulent activity, as the absence of proper documentation raises concerns about the legitimacy of these alleged debts.

I trust we can resolve this matter amicably, and your cooperation in providing the necessary documentation will be greatly appreciated.

Thank you for your immediate attention to this request. I anticipate your prompt response. 

Sincerely, XXXX XXXX