23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I switched my home insurance company a few weeks ago. I was with XXXX and it was XXXX I am with XXXX and it is XXXX now. I did send back the check XXXX gave me to My mortgage company and it was posted to my account. My mortgage was {$720.00} and now it is {$700.00}. The whole reason I searched days for a cheaper home insurance was because I could not afford to pay that high of a mortgage. When I first called I spoke to someone and she started saying I had another reassessment and that I was not able to get a lower payment. When I asked why she started quoting off numbers but none of it made sense as to why it would not be lowered. I called again and asked for them to reevaluate my escrow. She said she would submit to have that done and that I would know something by the XXXX that is the latest I have to pay my mortgage without a late payment so I could pay the lower amount that month. I even called the insurance agent and even she was baffled. She then suggested that I call again so I called today and the rep offered to submit to have it reevaluated. I informed her that the last rep said she would do! She looked into and came back and said that she would submit it again. She said I had to pay the {$700.00} now and then by next month it should change some. I am very upset I told her I can not afford to pay that and that I did not feel it was right to make me pay a higher amount when they know I dont deserve to pay it! I am also upset that when I call I keep getting the same response that they will submit it again. My insurance was cut almost in half and they keep trying to convince me that it should not be lowered much more than it was. I keep calling and talking to reps but I am getting no where. It is very frustrating that I am trying to resolve this issue so I can have a more affordable payment but they can tell me I should not get it lowered by much. I dont know what to do! They just throw some numbers to try to explain it and you are left feeling helpless because if you dont pay the amount they tell even if it is wrong you will defaulting but then they will offer you a payment plan that will be lower but you will end up paying more and longer. I just want my mortgage adjusted correctly. Without the stress, worry and anxiety of how I can get the issue fixed.
Product: Debt collection

Sezzle , Inc., a group I am unaware of or what they do, opened an account in my name giving someone a small line of credit. Acct XXXX. Apparently, it became delinquent and I saw it on my XXXX credit report. XXXX contacted the company and Sezzle said the debt is mine. I had two other fraud accounts opened in the approximate same time frame, both of which were closed out. 

I want the account closed and removed for fraud. I have thousands of dollars in credit available to me, all of which are paid on time.. I would not open an account for {$200.00} and not pay. I would simply use my debit card. I have never received an email or bill or anything else on this account. 

They do not answer the phone or respond to email. The phone number on the website is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that are inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The Credit Bureaus ' current reporting is unacceptable. As per the Fair Credit Reporting Act, reporting must be 100 % accurate. If the Credit Bureaus can not ensure the accuracy of the information the Credit Bureaus are reporting, the Credit Bureaus must correct the accounts immediately. I demand that the Credit Bureaus take swift action to correct this matter, as any further delay or negligence will not be tolerated. I need the following accounts investigated and corrected as soon as possible : XXXXT XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$3000.00} DXXXX XXXX Balance Owed : {$2900.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX Balance Owed : {$1100.00} XXXXXXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$4000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$3200.00}
Product: Credit reporting or other personal consumer reports

I am writing to inform you that the 4 business days that you were given to block certain information in my credit report that I believe resulted from identity theft has passed, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
-- -- -- -- -- -- -- -- -- The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- - According to federal law 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of I requested that these items be blocked from my credit report in accordance with my rights under the aforementioned law in a letter that reached you earlier this year : Attached to these letters were copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] XXXX. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and/or a police report ) XXXX. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me. 

I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents. 
Please send me a written confirmation that you have blocked this information from appearing on my credit report.Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$4300.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX CXXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

problem getting inacurate information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

The following 4 creditors/payee below are showing up on my credit report. I am confidently sure I do not have an existing account with these companies. To confirm I called all of them and they confirmed I do not have any loan or existing debt under my name and Social Security #. Kindly help remove them on my credit report ASAP as this is affecting my loan approval to refinance my mortgage. 

XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX  XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX XXXX XXXX / Balance : XXXX / Opened Date : XX/XX/XXXX
Product: Debt collection

I have had military health insurance with XXXX since XXXX of XXXX, but was recently kicked off on XX/XX/XXXX because I aged out of the system when I turned XXXX XXXX XXXX. In order to keep the insurance, you need to send verified proof of eligibility and enrollment from your school veteran representative, and it has to be renewed each semester. My veteran representative from my school had submitted the documents on time, and had even tried faxing them multiple times to XXXX, but each month I would call and they would claim I was ineligible, claiming I needed verification. 

I was seen consistently by Modern Physical Therapy, and have XXXX problems with their finance team with this issue, as I explained that XXXX will re-submit every single claim that they've recently denied, as long as they receive that form of eligibility. It wasn't until yesterday, XX/XX/XXXX that I discovered that XXXX had my form of eligibility this ENTIRE time, opening it, but not sending it to be processed, which has resulted in these issues. 

On XX/XX/XXXX I got labs done and a well woman exam at my doctors office, charging my insurance knowing I was STILL COVERED ( regardless of it showing inactive or not ). 

XXXX XXXX took matters into their own hands after getting denied by XXXX and decided to bill me for the FULL amount of {$1000.00} which is against the FEDERAL LAW. After refusing to pay the full amount ( because I'm waiting on verification from XXXX ) they sent me to a collection agency. 

In fact, having a collection agency come after me when this entire situation is reliant on XXXX is unnecessary, and XXXX ( the collection agent ) NEVER once informed me of how to dispute, or even gave me the option to dispute the balance. She immediately went into verifying my payment plan, and my debit card for taking {$180.00} a month until they " get their money back '' and that " I can call XXXX and have them reimburse you after you've paid the balance to us in full. '' After setting up the payment plan, she assured me I could access my account online, and see everything online, but every time I try to access my account, it says I run into technical assistance issues and need to contact them over the phone. I have not been given ANY confirmation to my email or phone number, only a verbal confirmation over the phone which makes my warning signals go off. 

I'd like to remind you again, this is balance billing, and it is XXXX. I will not pay any more than I already have, and am hoping you help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was put on my credit report twice after it was removed. i called the credit bureaus and they aid it looked like the account number was changed and dates that it was opened was different as well. So I opened up an investigation on those accounts. and they are reporting as closed now and paid but they are not suppose to be on my report at all. Also Receivable Recovery. I have reached out to them numerous times in regards to some medical collections that is on my report. Those accounts were paid to the original creditor which was XXXX XXXX by XXXX. I 've asked for this account to be looked into and removed off my report but its like they are not going into it.
Product: Credit card

I signed up for a targeted offer for a {$200.00} reward bonus on a new card application online. XXXX card by American Express. I entered the code given in mailed offer and then completed the spending requirements. I called the customer service number and was told several times that they could see the bonus and the spending was completed... just wait a little longer for the {$200.00} bonus to post. after waiting much longer than should be necessary to receive the bonus, customer service said there was no bonus and I didn't qualify for a bonus. I sent multiple messages through the bread card online interface, opened a review twice. submitted documents showing my offer code and various proofs and I was still denied. This is a fraudulent marketing to get me to spend XXXX of dollars on their credit card and then not honor the bonus offer which was sent to me and entered into the application as well as verified by several customer service team members by phone before this denial occured. please help. 
XXXX XXXX
Product: Vehicle loan or lease

The prior week Ford Motor Credit and I made a verbal agreement to make a payment at the end of the month exact date tbd I was to call the following week and they would then administer an extension on to the end of the loan to bring the account on track. I was to call them with the exact date. They continued to call and bullied me and treated me less than professional, continuing to call, over and over again after out discussion. I stated that I was in the process of credit recovery and possible bankruptcy they continued to call me obsessively in a threatening manner, and then issued a repossession order and took my car. I 'm a Ford employee I work at a secured Ford facility all my information is readily available. I have had a 26 year good standing relationship with this branch of my company. I called Ford Credit and they gave me a number for the redemption center, which was incorrect. So I called back to obtain it again, and now nobody answers. Repetitive calls with no answer. Ford stonewalling to make things more costly and unpleasant for the consumer. Same on us, I have legitimate reasons and never have defaulted nor do I intend to, XXXX as my witness I will leave the United States of America if I do!
Product: Credit card or prepaid card

XX/XX/2023 at XXXX a purchase was made by my son without my permission. 
I try to cancel the order and the order was delivered. 

I return the equipment to USPS due to post office doesnt accept it, usps lady said we dont give receipts well let the driver know the lady took the box. 
Their no receipt to delivery and the guy at USAA demand tracking number usps doesnt provided tracking numbers for returns due to the lady at the usps only for sending packages not for returns per the usps lady. 


Order number : XXXX -- Order date : XX/XX/2023, XXXX -- Disputed amount : XXXX USD -- Payment type : XXXX  -- Account number : XXXX -- Items in order : 1 of ( XXXX XXXX XXXX XXXX  Headset with Controller, Adjustable Lenses & Speakers from XXXX, XXXX x XXXX LCD Panels, for Gaming, Ergonomic Design, 4 Cameras, Compatible with XXXX & XXXX XXXX  XXXX  ) for XXXX USD
Product: Credit reporting, credit repair services, or other personal consumer reports

I greatly appreciate the time and effort made by the Credit Reporting Agencies in removing a portion of the fraudulent accounts and information reported on my Credit File. However, there are still accounts that should have been removed but remain on my Credit File. According to the Fair Credit Reporting Act, the Credit Reporting Agencies are legally obligated to investigate and remove any accounts and information resulting from fraudulent activities. The disputed accounts have no relation to any transactions where I obtained goods, services, or money, nor did I authorize them. Therefore, I kindly request that the Credit Bureaus block the reporting of any information in my credit file that resulted from identity theft. Please remove the remaining accounts and information off of my Credit File as soon as possible ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. Furthermore, I have noticed discrepancies in the information provided by the Credit Bureaus. Some accounts that have been deleted by other bureaus still appear in the reports provided by the Credit Bureaus involved. This raises doubts about the accuracy of the reported information. Additionally, the reported payment history on some accounts is unclear to me. I would appreciate clarification on these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I had sent a letter there certified mail to Experian concerning previously disputed items. I had sent it certified to ensure it was received. The letter requested the method of verification and name of person contacted along with any documentation with my signature showing I have a legally binding obligation to the debt. According to FCRA 611 ( a ) ( 6 ) 9B ( iii ) I have the right to receive " a description of the procedure used ''. 

I received a letter dated XX/XX/19 from Experian which did not meet any of my request. It stated that everything was verified by the furnisher and will not be reinvestigated. A copy of my report was sent to verify no changes made. 

These items should not be on my report and needs to be deleted. E-Oscar is an unacceptable form of investigations and case law verifies that it is an unreasonable method of investigating. FCRA states the investigations must be reasonable. If they are unwilling to cooperate correctly then I will be forced to take legal actions. I am in strong hopes that it won't be necessary and they will see there errors and submit to my requests in the letter I had sent them through certified mail.
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 procest 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 XXXX financial loss, and I seek appropriate redress for these violations,
Product: Credit reporting or other personal consumer reports

I noticed a Repossession was reporting on my consumer that does not belong to me this account is Fraudulent, I'm unaware of this debt, I didnt have an opportunity to dispute this information, I did not receive proper notification if in fact you believe you gave me proper notification then please send me/provide the certified mail with a receipt with my name on it, my signature stating that I received it.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX - counterfeit check in the amount of {$57000.00} deposited into checking account jointly owned with daughter, XXXX, via ATM in XXXX XXXX, CA. Per bank, deposited via debit card for account holder XXXX. XX/XX/XXXX - withdrawal in the amount of {$470.00} in XXXX XXXX, CA. ( per bank, same debit card used XXXX XX/XX/XXXX - aware that XXXX has a new bank account with another bank and was not expecting any deposits, nor had her debit card with her, I, XXXX, reported transactions as fraudulent via app. XX/XX/XXXX - received notification via text message re potential fraudulent transactions XX/XX/XXXX - called bank, was advised of additional transactions. Conferenced XXXX in as well in order to dispute all charges. Fraud department reviewed account, advised this was " obvious fraud '', stated security footage at ATM would prove this, and assisted with changing all login info for both myself and XXXX. When asked if there was anything else we should do, representative advised not at this time, all information submitted and other accounts would not be affected. Late XXXX - all previously reversed debits charged back to checking account. Contacted bank, bank advised investigation determined XXXX responsible for deposit and withdrawals totalling approximately {$4100.00}. I advised this was not possible as I had reviewed evidence provided by XXXX, proving she was in XXXX XXXX at the time of the fraudulent transactions. Bank declined evidence provided by myself or daughter, advised security camera footage was not reviewed. Requested details of investigation in writing, bank declined. Bank advised multiple logins from multiple devices, provided IP addresses  verbally. Bank admitted some logins did not appear to be XXXX ; however, stated " she must have been working with someone ''. XX/XX/XXXX - After transfer of {$40.00} to my separate checking account for a copay to see doctor for severe XXXX, bank removed all funds from account using right to offset. Subsequently, payment made to XXXX for utilities was returned, causing additional fee. Was unable to see doctor due to funds removed, and without medication since. XX/XX/XXXX - Attempted to cash check from lottery winning in the amount of {$500.00}, check denied. Contacted third party check verification, learned bank reported me for cashing fraudulent check. Same day bank processed " fraud charge-off '', which will reflect on my credit history shortly. Bank refuses to re-open investigation or provide details in writing ; however, has since ruined my financial reputation, leaving me unable to access my own paycheck or cash checks. While I have worked on repairing my credit history since XXXX, I now can not open a bank account or pay any bills as I am unable to access funds legitimately owed to me. In addition, I am facing a medical emergency, due to untreated allergic XXXX. Please assist in any way you can, additional documentation available upon request.
Product: Credit reporting or other personal consumer reports

Credit bureaus refuse to remove accounts created due to my identity being stolen and used for several years before the culprit returned to XXXX and stopped using and paying the accounts. As a result they hit MY credit reports and the bureaus refuse to remove them. I have sent all evidence to all XXXX bureaus, including a copy of the police report, FTC ID Theft report, and a letter from the IRS stating I was a victim of ID theft and must use a pin to file now and forever. But the bureaus insist they can't remove it " bc the information matches you '' - completely oblivious to how ID Theft works! They ignore all my correspondence and simply state they will not process it - siding XXXX the debtors who screwed up in the first place and should have never allowed these accounts to be opened!!! PLEASE HELP!
Product: Debt collection

This account is not owned by me ; I have never had any services from this care provider and therefore owe no balance as stated in my credit files. Please provide me with relevant information that you are using to validate this account such as ID used to open this account ; when and where this account was opened ; signatures etc.,