23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Yes, I was divorced about 10 years ago and was forced to file bankruptcy. So due to this my citimortgage makes it incredibly difficult for me to make a payment. So while I want to stay in the house they refuse to autopay from my bank account. I call and they XXXX up take it from my savings which I am not sure how they even got that number, and then they proceed to use my mortgage payment and charge me extremely high flood insurance with no notice or bill. This then puts me behind in my payment. So I call try to pay them and they do not take my money. They now want foreclosure so I went to business lawyer trying to make payment and they refuse to take my money. They now want to charge me court fees. To me if you want your money why not take it out as auto payment. It seems all backwards. Then mis- information is given over the phone. I always pay monthly and then principal. So XXXX person told me unnecessary. It is all so unfortunate. Also, no notice that this was happening. They sent a letter dated on XXXX XXXX and I received on XXXX XXXX how does that happen?? Help me pay please. Also I was told my payment not due until the XXXX? So I am not sure if anyone really knows the due date. Also they told me to change the due date I would need to refinance. It seems it should not be to hard to make the payment date on the XXXX of every month if that is when you get paid.
Product: Vehicle loan or lease

California auto finance has tried to scam me from the beginning. From the first payment they lied about fees I didnt own called me a liar and my fianc a liar. Gave my fianc all the information from my loan when he is not on my loan. They have gotten into arguments with my insurance company because they where trying to charge me for not having insurance when I did and tried to charge me for it still with proof. I spoke with them letting them know that due to COVID-19 I was struggling to pay but that I would have payment. I always pay. They call my cell between 3-6 times a day sometimes with multiple text saying I owe them. They call me even when I give them a date that I will have payment. They call my job multiple times a day call my coworkers liars and pretend to be sibling. My coworker cried once from the lady stressing her out too because of how many times she called in one day. My coworker said she kept calling her a liar. ( I was not in the office at the time ) they leave me threatening voicemails like Im going to come to your job today which sounds very threatening to me. I am so overwhelmed by these people I have had mental breakdowns and I have been having trouble sleeping and this has really effects my job performance. This has honestly been the worst experience I have ever had. I went from promotion talk to my general manager questioning my performance. I need help! I cant even talk to them anymore in fear they are going to threaten me and ask for more money. I have proof of all of this and i do t know what to do anymore. My payment was only a few weeks late and paid for now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. 
They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 
The below addresses need to be removed from my reports immediately! 
XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the EXPERIAN and XXXX credit bureaus, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXXXXXX Balance : {$29000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5200.00}
Product: Debt collection

I sent Radius the attached revocation of consent to be contacted by telephone letter to them and yet they continue to call 3rd parties that they are not authorized to be contacting, recording their telephone calls without giving proper notice, and attempting to collect on a debt that they have no right to collect on. I want this harassment to stop it is causing me a lot of anxiety and I do not appreciate it at all.
Product: Credit card

dell was bought out by another company and i wasn't informed. i was set up on auto pay with dell and it didn't carry over with the change of company which led to me havinga late payment. i never had a late payment with dell since starting the account XXXX  years ago. had i known about the change i would have been sure to set up the auto pay gain. i was not informed of the change.
Product: Checking or savings account

I am writing to inform you about a dispute involving a banking institution that requires your assistance. I seek your guidance and intervention in resolving the matter expeditiously. 

On XX/XX/2023, I had an unfortunate experience with Chase Bank, which has prompted me to bring this issue to your attention. The incident in question pertains to unauthorized charges on my account after payment was rendered in cash to a business. I provided proof to Chase bank that this transaction was paid in cash, and my debit card should have not been charged double. This situation has caused significant inconvenience and financial hardship, compelling me to seek a resolution through your esteemed organization. 

Despite my repeated attempts to address this matter directly with the bank, I have not received a satisfactory response or a timely resolution. I firmly believe that my concerns have not been adequately acknowledged nor diligently investigated by Chase Bank. Therefore, I kindly request your intervention to ensure a fair and impartial review of the situation. 

To provide you with a comprehensive understanding of the issue, I have enclosed the necessary supporting documentation, including copies of relevant bank statements, communication records, and any other pertinent documents that will aid in a thorough examination. I trust this information will assist in a prompt and fair assessment of the matter. 

Given the circumstances, I kindly request your immediate attention to this dispute. I sincerely hope that your intervention will facilitate a fair and just resolution for all parties involved. I have confidence in the abilities and expertise of the Consumer Financial Protection Bureau ( CFPB ) in handling such issues, and I believe your intervention will restore trust and rectify the situation appropriately. 


Thank you for your time and consideration. 

Yours sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I was prepared to receive a deposit from my XXXX account on XX/XX/2023. After my deposit hit my account Citibank restricted access to my accounts and sent me an email stating the accounts would be closed. Within the email I was informed my accounts will be closed within XXXX days but if I believed these funds should be sent sooner than the expected closing date, please visit your local branch. Upon visiting the nearest branch, the XXXX XXXX Illinois XXXX, I had an appointment with XXXX XXXX but ended up speaking with a Teller named XXXX. I never got his last name, but was told by XXXX they were unable to verify me so I was unable to withdraw funds from the account. I stood in front of him and provided US State ID along with my SS card and could have provided XXXX additional forms of identification if needed but was still turned away. He said I would need to wait to receive the second letter from the bank and at that point I would be able to withdraw the funds from the account. Rather than leave I called the number on the original email that stated I could go to a branch to receive my funds and they stated I had to wait until the account was closed and a check was mailed to receive the funds in the account. Before being disconnected from the call by the telephone rep I asked her what date would the account be closed she said XX/XX/2023 I asked her if this was the official date. She said without hesitation that it is. If I receive this XXXX letter prior to the XXXX I will drive back to Illinois to make my withdrawal in person. Otherwise I expect a check to be en route by the XXXX of XXXX. These XXXX things were quoted to me directly by employees the phone conversation was recorded and the branch employee works at the XXXX XXXX Illinois branch.
Product: Credit card or prepaid card

CAPITAL ONE : Account number : XXXX, Records show I have now missed only XXXX payment in over 6 years of having this card. This account is set up on autopay and has been for years hence why this account has such a good payment history. I have reached out to notify them that this must have been a mistake on their end as this account is auto charged. I did call them and they acknowledged that a payment was made that month but show how late on a date different then all the other months.PLEASE HAVE THIS FIXED IMMEDIATELY!
Product: Checking or savings account

I went into chase branch and opened one checking account few months ago but a week or two weeks later find out they restricted my online banking so I called and got told they needed me to go to the local branch to show ID. Then I found out today that they closed my accounts. The branch agent told me on the phone. I called Chase customer service and another agent confirmed my accounts were closed. She also said Chase has banned me as a customer. She didnt give an explanation why. I asked to speak with a supervisor and she transferred me but instead hung up on me. I was on hold for an hour before the lady got on the line in the first place. My XXXX report also shows no issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. This account is unknown to me. Also, the information you provided on some account are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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, credit repair services, or other personal consumer reports

XXXX XXXX Closed : XXXX XXXX, XXXX + {$6900.00} Closed This account is still showing a balance on my credit report. I filed chapterXXXX bk and was discharged in XXXX XXXX, this loan was also part of the bankruptcy, I have spoken with XXXX many times but they keep reporting that there is still a balance showing, I want the balanace to show " XXXX ''. the vehicle was returned to them pior to filing the BK.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage lender XXXX/XXXX  XXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.
Product: Checking or savings account

This organization Bank of america is not doing a good job in resolving this issue because they are investigating their own self. I would like for them to take my name off of the XXXX XXXX which they have falsely place me on without a proper investigation. I have been trying they gave me a number to speak to some who never answers their phone I have called and left messages countless times and was never able to speak to this person who I feel doesnt exist or do not want to be bothered. This situation is affecting my life because I'm not able to open a bank in any banking system because of my name being placed on XXXX by BOA without a proper investigation and this has been XXXX years now and no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and here on the website here. This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now. XXXX XXXX, XXXX XXXX XXXX I am doing this on my own behalf and really need someone to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX ( XXXX  ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litigation for defamation of character ) XXXX XXXX XXXX balance {$590.00}
Product: Checking or savings account

I had a bunch of XXXX payments made from my account that I did not recognize or authorized between XXXX for almost a total of {$5000.00} Bank of America XXXX back and said it came from a similar device and auto denied it like I said I did not authorize any of these XXXX payments and need help with this bank of america XXXX XXXX account account # : XXXX thank you
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}.
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 practices, which violate the customer financial protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account Number : XXXX XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments reported for my XXXX XXXX XXXX accounts. 
I want you to know that I understand my financial obligations, and if it werent for the circumstance that caused me to miss a payments involving months of XXXX and back to back XXXX that were life threatening, Id have an excellent repayment record. I made a mistake in falling behind, but since then, My circumstances have changed I've improved my money management and I've returned back to work. Since then, I commit to a record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment/payments. 
Thank you for your consideration, and I hope youll approvemy request. 
Best, XXXX XXXX
Product: Credit card

This card was no longer being used and I called to cancel it prior to the yearly renewal date and the {$80.00} fee involved. I was told at this time there was a charge on it that I had to pay before they would cancel it. The charge was from Amazon XXXX a monthly fee. This charge was supposed to go on another card but Amazon was unable to do this because the numbers had changed. Amazon never contacted me relative to this and just put the fee on this card, WITHOUT MY PERMISSION. I told Chase Bank I would not pay this fee of {$12.00} because I never authorized it. They said they would dispute it but could not cancel the card prior. I told them I had cut the card in half and wanted to cancel it prior to the renewal fee. Chase Bank added the renewal fee, did not remove the charge of {$12.00}, and continued to send me bills with late fee being added. This began I believe in XXXX XXXX and currently has grown to {$210.00}.