23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to get a free credit report from Experian using the legally mandated service here : XXXX XXXX XXXX Both XXXX and XXXX work fine , but Experian immediately fails . Following up using the " Sorry, we were unable to verify your identity '' page that is presented ( https : //usa.experian.com/acr/preOowError ) proved useless. 

The Upload Proof of Identity link provided fails to allow uploading any documents at all " https : //www.experian.com/consumer/upload/personalInfo ''. This was tried using up-to-date versions of XXXX and XXXX -- both gave the same failure. The file sizes were 1.5 MB and 550 kB, well under the limits. In all cases the site complains " Important Note : We were unable to upload your document ( s ) successfully. '' Calling puts me in an extended phone queue and I gave up. 

Utterly useless, and I don't think it complies with the law. I also note that https : //www.experian.com/XXXX points me at a scammy 'free ' monthly service of their own.
Product: Credit reporting or other personal consumer reports

Please remove these XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I do not recognize them please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX XXXX Balance {$5200.00} ; XXXX  XXXX XXXX XXXX Balance {$400.00} ; XXXX  XXXX XXXX XXXX Balance - ; XXXX  XXXX XXXX Balance {$1100.00} ; XXXX  XXXX Balance {$1000.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX, CA XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 ; CXXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX  Inquiry : XXXX. XXXX, 2022 ; XXXX XXXX XXXX : XXXX. XXXX, 2022 ; XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

A credit card company ( Synchrony Bank through XXXX XXXX XXXX XXXX has reversed every payment I made on my credit card and portrayed my account as over limit use by double the amount I was approved for. The credit card company has chosen to keep the funds ( although they rejected/reversed the payments on my statements ). Not only have they not refunded me for the transactions they rejected, but they have sent me to collections within 5 days of all of this activity. All in all, they have withheld the the initial XXXX XXXX dollars I paid, and have sent me to collection for XXXX XXXX dollars AND have reported negatively on my credit report.
Product: Money transfer, virtual currency, or money service

Im filing this complaint against Cash App ( Block , Inc. ) due to the inadequate, customer service and unfair practices, which violate the customer financial protection act. ( CFPA ) specifically, Cash App failed to take timely and effective measures to protect and address fraud on their platform, leaving my account vulnerable and my identification information on protected. Furthermore, their dispute resolution process was unfair, deceptive, and illegal, as they did not comply with the error, resolution requirements under the electronic fraud transfer act ( EFTA ) and Regulation E. These actions have led to significant inconvenience, emotional distress and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Hi. my name is XXXX XXXX and I recently check my credit report and personal information with TransUnion. I noticed that there are address 's that are attach to my personal information that I have no idea were they come from. XXXX XXXX XXXX XXXX, Tx XXXX & XXXX XXXX XXXX XXXX, Tx XXXX. I also noticed that my place of employment is not correct as well. I currently work for a company by the name of XXXX XXXX.
Product: Mortgage

Because Bank of America has dual tracked I am facing the possibility of being sued under a claim of right to title and, therefore, the right of ownership and possession. Just to be clear, any resulting dispute based on Bank of America and XXXX, the Trustee at the time of sale, choices to begin foreclosure and property separation processes is not a matter of eviction or tenant/landlord issues as it is an ownership and right to foreclose issues of law. 

Currently, there is no pending litigation or other disputes before a California Court challenging my adverse possession and time barred debt claims, or any other claim or concern set forth within the XXXX CFPB complaints related to the loss mitigation process or the 2007 Deed of Trust and my home loan mortgage account in general and the XXXX HAMP modification and process in specific. 

All previously mentioned resolutions are desired and mandatory and are to include, but not limited to, all associated housing and storage expenses and costs for all periods for which residentcy, possession, and occupantcy has been disrupted or otherwise prevented on and within the subject property.
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 violates the Consumer Financial Protection Act ( CFPA ). Pacifically 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 was unfair and deceptive, As they did not comply with error Resolution requirements under the electric fund transfer act ( EFTA ) and regulation E. These actions has caused significant inconvenience And financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Have had cc since XXXX, always paid bills on time. Suddenly card was denied XXXX in the past XXXX hours, once for {$900.00} charge and once for {$480.00}. I called Synchrony Bank to check on reason, was put through a ridiculous amount of 'checking ' to insure it was really me ( I was calling from the phone listed on the account ). Asked for my name XXXX times, address on card, business name on card, last XXXX of social security number. All answered correctly. Then asked for cell phone number, which I supplied. Then I got a text on the cellphone with a link, which I followed. Synchrony wanted me to take a short video of myself for their records, so I tried. But camera in cellphone was not working, tried several times. Finally said this way was not working, so what other way was there for me to prove it was really me...? Only answer from them was they would mail me a code, which would take XXXX - XXXX days to arrive. In the meantime they refused to discuss the account and I could not determine the problem. Both my account and my wife '' s are being refused for charges. We use this card as our primary credit card.
Product: Debt collection

I was contacted by XXXX XXXX on XXXX/XXXX/2015 inreguards to payday loan. man told me I had XXXX options to pay debt back. due to me unable to pay settlement on that date. I set up arrangement for XXXX payments of {$270.00}. I contact company today XXXX to see if I could be offered a settlement. after speaking with XXXX ( direct supervisor ) I was belittled and he then slammed phone on me. I called back and spoke with a XXXX XXXX who infmd me I am unable to do the settlement of {$320.00} that was offered to me before. I called again to get company information and was hung up on. I contacted again to get payments removed and man refused and hung up on me. 


I have already filed complaint on XXXX, and will be contacting a consumer rights attorney for FDCPA violations as well
Product: Debt collection

I went to the hospital and unfortunately forgot my insurance card. After my visit I went to the hospital to give my card, but was turned away and given a number to call. The hospital was during a remodel and company name change. Phone lines were disconnected and unable to get a hold of anyone. I tried other numbers with no luck as well. I went to hospital again and was finally able to get to speak with someone. I was given another number and was finally able to reach someone. They entered my information but they did it wrong. This was entered well after my visit since I was unable to reach anyone. The hospital redid the bill then sent another bill but it was incorrect. I have union benefits of a XXXX hospital visit deductable. This debt collector bought a debt from a hospital that I didn't pay because of their billing error. I refuse to pay them more than my deductable. I want you pay my deductable account because that's my portion I'm responsible for. I sent a certified letter to debt company stating debt isn't mine and discontinue contact with me unless you send correct bill. Debt collector did not stop and sent a final bill of the incorrect amount.
Product: Credit card or prepaid card

Chase announced on XX/XX/XXXX that all Chase Sapphire Reserve card members would be eligible for a complimentary XXXX subscription provided by XXXX. They have been heavily advertising and promoting this, however Ive been unable to access this benefit. I have tried multiple times to follow the provided instructions with my Chase Sapphire Reserve card and have not seen the screen to activate the offer the instructions describe. I contacted Chase both on the phone and also on XXXX, and received a response that simply reiterated the same instructions. The final word from their XXXX support was that there may be a technical issue and that I would simply have to check back from time to time. They offered no timeline for resolution and made it clear that I would not be informed when the issue was resolved. Chase is advertising a service that I am paying for but which they are failing to provide. They have refused even to notify me when the issue is resolved. It would appear that they are making little to no effort to resolve this. I am attaching a screenshot in which Chase Support indicates this is a technical fault and that they will not be providing notification when it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XXXX : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX ( XXXX Creditor : XXXX  XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update my credit balance in credit report which I paid in full XXXX/XXXX XXXX account number XXXX ballance {$0.00} Date opened XX/XX/2016
Product: Mortgage

I was applying for a home equity loan at USBank. The process was fine until the appraisal by XXXX. They did a drive by appraisal. XX/XX/2021. Took pictures outside only. My complaint is with both USBank and XXXX  appraisals. I asked when did it become common practice to do a drive by appraisal? Only durring the pandemic is this acceptable. I ask how can you get an accurate appraisal of the house from outside only. I asked about all updates done on the inside of the house and i was told that does not matter. The person escalated to his supervisor and they said because of time and cost they dont want to do anything on the inside of the house. Just get the process faster. I said that is very questionable and now i am here. I feel Usbank and XXXX have not honored the value of my house and under-appraised the value of my house. I do have all lender agreements and the appraisal report if needed.
Product: Student loan

I am on XXXX  XXXX i have been working with companies received XXXX and XXXX  XXXX suspension in XX/XX/2016 and was told all taken care of my loan discharged I havent heard from no one Receiving letters from XXXX XXXX now Navient Post Claims Assistant I am on XXXX due to stress why isnt this havent been take care of I have been on top of everything Im currently working with Student Advocates submitted all my paperwork and another total temporary discharge form. 

Now after interests loan is XXXX im sitting on debt on XXXX income for 10 years now My number is XXXX. XXXX XXXX XXXX. XXXX XXXX  Maiden Name
Product: Debt collection

Allied collection services accepted a old and expired lease agreement knowing and intentionally trying to collect 3 years of rent for a expired lease that was fulfilled and not renewed
Product: Vehicle loan or lease

In XX/XX/2017 an auto loan was taken out I found out through credit report and thorough XXXX.The car was Registered in XXXX.bith states I don't live in or ever have.i showed police the ID used after getting copy from dealer vs my license.This individual has a few social and id they have been using to obtain goods and services.i provided proof of residency to this company along with multiple police reports showing this was not my loan, nor do I live where this took place. I do not have an account number.my last 4 of my social are XXXX
Product: Student loan

Mohela student loans, SAVE program.

I am approved for the SAVE program and set up my autopay account with Mohela successfully. My date to start repayment on the student loans is XX/XX/XXXX and it appeared everything was all set to begin payments. 

On XXXX XXXX XXXX XXXX XXXX  Mohela sent me an email/message that I did not see until the morning of Saturday XX/XX/XXXX. It stated that my account had been placed on administrative forbearance. 

I did not request or consent to this forbearance. I have no idea why this happened. Mohela offices are closed and will not be open until regular business hours while I am at work Monday XX/XX/XXXX, the same day my payment is due. 

This is very confusing, distressing and inconvenient. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have tried to do everything right to prepare for loan payments resuming but was given almost no notice of this forbearance. Only one business day between notification of forbearance and when payment was due. This will likely result in additional interest accruing, for which I have not consented and seemingly have no way to rectify or get clarification from Mohela.
Product: Credit reporting, credit repair services, 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 USC1681. 
XXXX XXXX XXXX XXXX ~XXXX XXXX XXXXXXXX XXXX ~XXXX XXXX XXXX  - ACCOUNT # XXXX ~XXXX XXXX XXXX  XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ~XXXX XXXX XXXX - ACCOUNT # XXXX ~XXXX XXXX XXXXXXXX - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX  XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX ~XXXX XXXX - ACCOUNT # XXXX ~XXXX  XXXX - ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # XXXX ~XXXX - ACCOUNT # XXXX ~XXXX XXXX ACCOUNT # XXXX XXXX - XXXX ~XXXX - ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1861 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any 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: Vehicle loan or lease

[ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XX/XX/XXXX D.C. XXXX Subject : Complaint Regarding Violation of the Truth in Lending Act ( TILA ) by Navy Federal Credit Union Inaccurate APR or Finance Charge Dear Sir or Madam, I am writing to file a formal complaint against Navy Federal Credit Union for violating the Truth in Lending Act ( TILA ) in connection with the inaccurate disclosure of the Annual Percentage Rate ( APR ) and finance charge on my loan. 

On [ XX/XX/XXXX ], I entered into a loan agreement with Navy Federal Credit Union for [ purchasing a vehicle ]. After reviewing the loan documents and disclosures, I discovered discrepancies between the APR and/or finance charge disclosed and the actual terms of the loan. Specifically : 1. Inaccurate APR : The APR listed in the loan documents is higher than what was initially quoted to me during the application process, or it is inconsistent with the terms of the loan agreement.

2. Incorrect Finance Charge : The total finance charge disclosed in the loan documents does not accurately reflect the APR or loan balance, indicating a miscalculation or error in the finance charge amount.

Under TILA, creditors are required to accurately disclose the APR and finance charges in clear and understandable terms. The APR must represent the true cost of borrowing and include all associated fees, while the finance charge should accurately reflect the total cost of borrowing over the life of the loan. Navy Federal Credit Union has failed to meet these disclosure requirements, leading to confusion regarding the true cost of my loan.

Despite reaching out to Navy Federal Credit Union to address this issue, I have not received a satisfactory response or resolution. Therefore, I am seeking your assistance in resolving this matter. Specifically, I request the following : 1. An investigation into the discrepancies in the APR and finance charge associated with my loan.

2. Correction of any errors in the loan documents to ensure compliance with TILA.

3. A refund of any overcharges resulting from inaccurate finance charges, if applicable.

I have attached copies of the loan documents, including the loan agreement and any related correspondence, for your review.

Please let me know if additional information is needed to facilitate your investigation. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that Navy Federal Credit Union complies with the legal requirements set forth by the Truth in Lending Act.

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed XXXX XXXX on my report. I have never heard of this company nor established any business with them. I contacted them to get an explanation of billing and they could not provide that without violating HIPPA Laws. I also noticed multiple inquires on my Transunion Report and one on my XXXX Report that I never gave permission to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

. I purchased the car from Santander Consumer I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks to tell me that I had the wrong vehicle, The paperwork on the vehicle that I had Vin number did not match, so they gave me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off.
Product: Debt collection

I am writing to formally notify you that LVNV Funding attempts to collect on the alleged debt referenced attached to this complaint are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If LVNV Funding is not aware the entire claim is regulated by an arbitration agreement with the original Creditor. Which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings as the account attached to this complaint does not belong to me. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that LVNV has no right to collect on this alleged debt that does not belong to me. I am asking for help to fix this issue immediately as LVNV has been completely Negligent in responding to my initial dispute attached from over 60 days ago.
Product: Debt collection

I.Q. Data International Inc. has repeatedly called and harassed me at ridiculous hours, very late at night and extremely early in the morning. They are violating Fair Debt Collection Practices Act ( FDCPA ). The 'debt ' is fake and I do not owe it. I even offered to settle this fake debt just to end the harassment and get it off of my otherwise excellent credit report. In my repeated attempts to settle and end the harassment, IQ Data 's sleazy reps told me on recorded phone lines that I would have to provide " financial information '' which I started to do but they would not tell me what they needed to know. They force people to answer one question at a time going deeper into personal Information with no end in sight. IQ Data refuses to outline what they need to know or why it matters or what settlement is possible. This company should be fined or shut down as I am sure they are taking advantage of many unsophisticated victims. 

I. Q. DATA I N T E R N AT I O N A L, I N C.

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