23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN SENDING IN CERTIFIED MAIL CONCERNING IDENTITY THEFT THAT HAPPENED TO ME, CAUSING ME TO DROP TO 97 % IN MY PAYMENT HISTORY, I SENT MY CREDIT REPORT MULTIPLE TIMES IN XXXX, XXXX, XXXX AND XXXX AND ALSO XXXX, XXXX AND XXXX. NO COMMUNICATION WAS RECEIVED NOR ACTIONS TAKEN AGAINST THESE ACCOUNTS HAVING LATE PAYMENTS : XXXX XXXX, XXXX XXXX XXXX, BOTH  XXXX XXXX XXXX AND XXXX  XXXX XXXX XXXX XXXX. 

THIS COMPLAINT IS DUE TO MULTIPLE VIOLATIONS AGAINST ME INVOLVING BILLING ERRORS, BECAUSE I WASN'T NOTIFIED WITH ANY STATEMENT REFELCTING THE ALLEGED BILLING ERRORS WITHIN 60 DAYS, ITS BEEN OVER A YEAR WITH NO COMMUNICATION TO MY LETTERS AND NOW I AM IN A EXTREMELY TIGHT FINANCIAL SITUATION AS I CAN NOT ACCESS CREDIT OPPORTUNITIES BECAUSE MY CREDIT REPORT HAS MULPTIPLE VIOLATIONS NOT DONE BY ME AND ITS COSTING ME MONEY. 

MY KNOWLEDGE AS A CONSUMER IS MY CREDIT REPORT IS TO BE 100 % ACCURATE AND IT IS NOT BECAUSE THESE COMPANIES FAILED TO DO THEIR JOB. NOW SEEING THAT THEY ARE BEING SUED SHOWS AND PROVES IM NOT CRAZY.
Product: Credit card

Due to XXXX XXXX XXXX strike, all work in the entertainment industry has been halted. I have been laid off & I can NOT afford the high monthly payment and exorbitant new XXXX of % XXXX that I'm now being charged. Amex will not allow me to apply for financial hardship program so that I can make monthly payments that are affordable.
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 ). 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 is 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 of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

accounts showing missed payment when i did not XXXX  XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) has recently placed derogatory information on my Credit Bureaus. This information was removed prior to under another Kansas-based collection agency by the name of XXXX XXXX XXXX/Collections for an original debt with a vendor named Speedy Cash. 
Back about 3 months ago, the XXXX XXXX/Speedy Cash collections account was removed after putting in a dispute and providing the necessary and requested information to verify my identity as to whom I am and the US Postal service in XXXX, TX, which reflected the PO Box used to commit the fraud was in fact a noted address used for an ID Theft scheme and fraud. I signed notarized statements to this effect and was informed the Speedy Cash issue was resolved with its collections removal. 
For XXXX now to have purchased the account and have not contacted me, even though I have resolved this matter, has shown bad faith and a deterrence to resolve this matter without any further need for resolution. It is believed that this re-victimization is a ploy to aggravate and force me into paying a debt that I do not owe nor is my debt specifically due to ID Theft from the time period all of this previously occurred.
Product: Checking or savings account

A few months ago I received a notification on my cell phone that XXXX deposits had been made to external accounts from my checking account. Those XXXX deposits were made through electronic transfer, which I never authorized. Right after I realized about this incident, I immediately called the bank to report this issue the very same day when it happened, the agent to took my call. mentioned that was no problem, since I did not authorize those transfers, we should be able to retrieve the money and cancel those transfers. They did cancel my checking account, though, but after months of investigation and back and forth calls between the bank and I, they ended up saying that I made those transfers, so I had to cover that debt amount on my account. I requested them with proofs to support what they were saying since I was a victim of cyber attack and fraud, unfortunately they never responded back. Now every time when I login into my account, I do see those XXXX.
Product: Debt collection

I currently have a mortgage with this company ; it is currently in deferment, and I began paying in XX/XX/XXXX. This company has reported me late on my credit report showing that I have not made a payment on my mortgage since XX/XX/XXXX when my last payment was actually XX/XX/XXXX. I was instructed by the rep not to pay so I can complete the forbearance on my loan, but the reports are inaccurate. I made several payments in XXXX and they need to reflect.
Product: Checking or savings account

This company never answers the Customer Service number if there is any issues. In addition this company is falsely saying I owe money I don't owe and this companies ethic 's is questionable.
Product: Credit card or prepaid card

I filed a submission to FDIC - Reference Number : XXXX I called XXXX XXXX XX/XX/2018 regarding two credit card accounts I have with them XXXX and XXXX XXXX  credit card accounts. The issue is the rewards program which seems fraudulent they offer and the miscalculation of my XXXX XXXX credit account and poor customer service. The account manager refuses to resolve the issue XX/XX/2018. XXXX XXXX I ordered {$220.00} ( See attached order ) worth of merchandise out of {$500.00} credit, it left me with a balance {$100.00} which is wrong, it should be {$270.00}. It seems that XXXX XXXX is trying to enrich themselves by overcharging me false purchase I never made. The XXXX XXXX customer service representative was very rude, had me on hold for a long time and bringing XXXX into our conversation. Then her supervisor name XXXX was sarcastic because she wouldnt listen about my order and she acted very rudely especially I inform her that the customer service agent was rude and nefarious. XXXX acted so rudely I requested her supervisor the Account Manager. The Account Manager agreed with XXXX, however, didnt hear the conversation. His tone was cold, and he acted unprofessionally about my credit account balance blaming it on XXXX XXXX customer service. I called XXXXXXXX XXXX customer service and they agreed how much I ordered {$220.00} and the XXXX XXXX credit department miscalculated my credit card. See the attached receipt. XXXX XXXX is trying to enrich themselves by charging me extra charges on my account which I didn't give permission nor charge but {$220.00}. XXXX credit card- XXXX XXXX I was sent an email from XXXX  that I had XXXX rewards points and XXXX leftover points ( see attached email ). However, I have only XXXX reward points. Then I was sent a rewards certificate for {$30.00} and the CERTIFICATE # XXXX didnt work. When I called Customer service at XXXX XXXX the customer service acts rude and they only applied a lesser amount of points when I ordered over {$400.00} dollars worth of merchandise. The rewards program seems fraudulent to get a customer to order but they dont want to give the correct amount of rewards. The rewards program needs to be reevaluated.
Product: Mortgage

The Escrow Department for LOANCARE , LLC did an escrow analysis. They stated my XXXX County Maryland taxes were paid 4 times a year. They read the bill wrong. They kept telling me that my tax bill doubled but the XXXX County Treasury office confirmed that the taxes are only paid in two installments. I called LOANCARE today and the representative stated this was an error. With this erroneous analysis, they stated my mortgage payment would be an additional {$500.00} dollars. This was outrageous. The County confirmed it never doubled. I provided proof. ( see attachment ) On today XX/XX/XXXX, the representative saw it was entered into LOANCAREs system four times a year by error. The reps supervisor confirmed that it was an error. She put a request to have another analysis done and it should be fixed by XX/XX/XXXX. I should expect a new analysis delivered to me. If this does not happen, I will be submitting everything to my attorneys office for litigation. 

My account was also reported over 120 days late as of XX/XX/2021 on my credit report. This is inaccurate. My loan was transferred to XXXX/LOANCARE servicing in XXXX while it was still in a CARES ACT forbearance. ( see attachment ) Federal Law states there is a two month period of no negative credit reporting or fees accessed while a mortgage loan has been transferred to a new mortgage servicer. While still in the transfer period, my loan remained in forbearance while LOANCARE processed a loan modification. The modification documents show that my first payment is due XX/XX/XXXX. ( see attachment ) My credit report should have never been reported late. Again, it shows that I am over 120 days late. This is current data reported as of XX/XX/XXXX. LOANCARE has damaged my credit with this. They have broken the law.
Product: Credit card

TD bank the issuer of Nordstrom Credit card XXXX, closed my account based on information that was on my credit report that was a result of XXXX XXXX. Which violates the 605C FCRA law. When I informed them of this violation that dismissed me and did not resolve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw numerous inquiries on my report that were considered hard hits by companies I do not recognize. 


XXXX XXXX, 2016 by XXXX XXXX XXXX, 2106 by XXXX XXXX XXXX XXXX XXXX XXXX, 2016 by XXXX XXXX XXXX XXXX, 2016 by XX/XX/XXXXXXXX XXXX, 2016 by XXXX XXXX for credit cards and airlines
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and have noticed some unauthorized accounts on my credit report. XXXX XXXX are currently in XXXX status, so there should be XXXXXXXX XXXX XXXX appearing on my credit reports until I have started paying on them, when I graduate in XXXX This is hurting my chances at obtaining a new home or mortgage. Please remove these accounts from my report immediately, as well as any old inquiries.
Product: Mortgage

I am a Veteran. I Applied for mortgage loan with Quicken Loans in XXXX 2016. Was advised that FHA was best route for me to go based off fees and current market interest rates and my credit at the time. Was advised and lead to lock in interest rate to protect against possible market decline. But was assured if rates and market got better i would be able to take advantage of best situation. Sign a lock rate disclosure that expired on XXXX XXXX 2016 XXXX XXXX 2016 came and went loan not closed still processing. Mortgage market rates got lowered i was informed i was still locked in at previous higher rates due to an AUTOMATIC Rate Lock Extension ( never expressly disclosed or implied in any documents i had signed or received ) This AUTOMATIC rate lock was be expire in 15 days it did not. It AUTOMATICALLY extended for an additional 15 days then an additional 15 days then a additional 15 days. I inquired with several at QUICKEN my loan officer ( it just the way it is ) his supervisor ( this is the way we always do our rate locks ) and a customer solutions specialist ( aw i see where this could be confusing to a customer but this is the way it is ) At no time did anyone address that fact that this process of AUTOMATICALLY extended rate lock and not a allowing consumer to take advantage of better market pricing as a result of it addressed by anyone at Quicken. Please let me know if i am the last one to the party. As i feel that this practice is a violation of truth in lending laws and possible predatory lending practices as the bank have you at their mercy.
Product: Credit card or prepaid card

A Complaint against Capital One Credit Card. Back in XXXX I was approved for a secured Platinum credit card. Sent my {$200.00} deposit via my debit card. After a bad divorce, was trying to repair my credit. I have been in XXXX XXXX for the last XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXl XXXX. The card should have reached me in XXXX. The first rep confirmed to me that the card was sent and sent to the above address. I never got it - whether lost in the mail or misplaced at the facility. While the card is not that important, the principle behind taking my money and not getting the card is important. It was on my list to follow-up so finally after moving to XXXX just XXXX the XXXX from XXXX XXXX XXXX I called and much to my amazement I got treated like I was a scam artist. I got transferred to other reps in their fraud department and finally told them I just wanted my security deposit back. Then, they told me I wouldn't get me money back for two billing cycles and that they would send me a check not to the new address I gave them at XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX  XXXX. I told them to send it to the new address and the rep said " no. '' At this point, I was fed up. I just want my {$200.00} back, which I paid through my debit card. I asked to have the money returned to my card- they said no. My resolution - return my money to my card or send the check to my new address- otherwise knowing the XXXX  XXXX XXXX - I will never get it. I didn't get the card so why is a check going to be any different. I also told them I would sue for unfair trade practice.
Product: Debt collection

I have a debt on my credit report from a third party ( Truist Bank ). It is showing up on my credit report as the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXXShows no info regarding the times when the payments were made on time from XX/XX/XXXX to XX/XX/XXXX It has been reporting like this for about a year but I never received a XXXX. In my research I found that if Truist bought the loan from the original creditor and the original creditor wrote it off then they can not collect on the same debt.
Product: Credit card or prepaid card

XX/XX/2021 Capital One closed my credit card even though I had been making my payments and was not deliquent. When I went to use my card it did not work. When I called them they said the account restricted. At which point I called the next business day to see what happened and they referred me to another number which I called. I was told that because I had a criminal background I could not have that card and they said it was in the paperwork that was sent to me when I opened the card. But looking at that paperwork nothing was there stating I could not have the card if I had a criminal background and nothing was said the card could not be used to pay a fine. I researched further to see if I could find anything on their website or documents stating this but found nothing. They told me they would send me a copy of the paperwork but I never received anything from them. They have been contacted several times about where the paperwork was but they have produced it. 

To me I feel I was discriminated against and was never fully advised of this restriction. 
They have not been responsive to me even though I've called many times.
Product: Vehicle loan or lease

XX/XX/2018 purchased new XXXX XXXX with warranty, within XXXX minutes the engine light came on and XXXX was lagging on freeway. I went back to Mercedes and told its a new car and it needs to be driven at least XXXX miles. 
todays miles is XXXX when I would take my car for engine lights, transmission problems that should be covered under warranty, I was told my warranty doesnt cover it. 

I have had my XXXX parked for nearly 2 years 90 % of the time, because I am afraid of paying service bills or my insurance going up on problems defects. 

The service XXXX XXXX XXXX- should be investigated. This has been normal practice for him to charge insane service fees or ask for side tips. 

mercedes XXXX XXXX gave me XXXX estimate saying the car needed a new engine, please note I paid XXXX for the XXXX. Again warranty doesnt cover it so i have to call my insurance agent, they requested I call the insurance agent right there at the mercedes XXXX department XXXX 

insurance agent gave them XXXX estimate, after a day, insurance agent calls backs saying he went to mercedes- per service XXXX request to visit. 
a few days later - i was presented with a XXXX approx estimate to pay mercedes from my insurance agency. 

I believe both companies committed fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted on multiple occasions to have this inaccurate information removed from my credit report from Experian in order to have a more accurate report. I would like to have these negative and unauthorized inquires and old address removed from my credit report. The credit bureaus have failed to accurately respond to my request.
Product: Checking or savings account

Chime blocked my account 5 days ago. Asked me to email all my verification and that in 24 hours I would have access. Its been 5 days. They are withholding ALL of my money. Im having to borrow money to get back and forth to work while they hold my thousands of dollars!!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts & collections. 

ACCOUNT 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  These accounts has resulted in several fraudulent collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what else to do, I have disputed these with the credit agencies and the collection companies. The information below is inaccurate, false and unverifiable and needs to be removed off of my credit file. Please help XXXX XXXX  XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX and unverifiableremove Balance : $ XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$330.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$870.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$450.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX - Duplication and unverifiableremove Balance : XXXX XXXX XXXX XXXX - Unknown and unverifiableI tried to verify and get no response Balance : XXXX XXXX XXXX XXXX - XXXX - says I owe {$220.00} but past due XXXX inaccurate and false and unverifiablebecause I have tried and got nowhereREMOVE Balance : {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm including all of my CFPB complaints, my AG complaint, my proof that substantiates the fact that I never received a breakdown of the amount they are claiming that I owe, my identification and all other communication. 

Reason for complaint : Experian and XXXX XXXX XXXX have failed to provide me anything that substantiates the amount that is listed on my credit report for a collection account. I am tired of going back and forth and it is my RIGHT to have the proof that backs up the amount I allegedly owe. Section 609 protects me against false reporting. Section 1681 guarantees me an investigation into this and for the bureaus to investigate independently. I 've provided the proof directly from the collection agency that I did not receive a breakdown and only received an invoice with a total amount. 

I refuse to pay an amount listed on an invoice without the breakdown showing where that amount came from, the receipts that back it up and it must be within federal limits. XXXX XXXX of XXXX XXXX provided court testimony and was paid the federal fee of {$40.00}. I stated that I would pay for the expenses but wanted a breakdown, and this was the understanding. As you can see from the attachment, the only thing that I ever received was an invoice with the heading " itemized statement '' with 1 line that says " court testimony and prep {$540.00} ''. Where did this amount come from? Where are the receipts for this amount? Where 's the breakdown that lists the mileage, gas, and anything else allowed by law? When I call, I get hung up on. When I dispute this with Experian, they state that this has been verified. 

This is willful negligence on part of both parties and this could have been easily solved by providing me what I had requested, what I had been promised and what is my right to have. Experian is now in violation of sections 623, 609, 1681 and 603.  XXXX XXXX XXXX is purposely not providing me this information because THEY DO NOT HAVE IT. If I take them to court, they will need to provide this information during the discovery process. This means that the office of XXXX XXXX does not have, nor did they ever have, the required information to verify this alleged debt. 

This MUST be removed from my credit report because over and over again, I have proven that this is a violation of my rights and that there 's no proof substantiating the claim that I owe this amount. Once again, I am not refusing to pay the actual amount that I owe. I am, however, refusing to pay a debt that was not legally verified, nor do I have to.
Product: Credit reporting or other personal consumer reports

I believe my information mightve been leaked. I believe that theres information on my current report that is not correct and I just want to throw investigation to make sure that everything is accurate and up-to-date. I dont believe it is I can be reached at XXXX if theres any other questions that I need to answer or you can reach me at XXXX XXXX all lowercase. And all one word thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Text Cash App multiple times to my account being frozen then prematurely closed by them without explanation. Continued to text back and forth with whom I thought was a live representative to get feedback about my account. Due to lost monies, my account being active then deactivated and losing funds because my account was closed by them without any explanation to why, stating that I can not tell you.