23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I put in my first dispute with Comenity Bank on XX/XX/2020 when my XXXX statement arrived and I did not see my rewards points credited. It is now XX/XX/2020, with no resolution and hours and hours on the phone with them. I have received only a partial credit for my original order of XX/XX/2020. The items get billed to my card as they ship and I have called over 10 times and spoke to many representatives to try to find out why all of my purchases weren't included in the correction to my rewards dispute and why they only credited a portion of my points, no one can explain it. They have given me different deadlines for them to resolve this ... 2 weeks, 60 days, and now 90 days. Meanwhile, I have had a {$2000.00} overpayment on my account from returns I have made and they are considering this a billing dispute so not only was I talked into a XXXX XXXX Credit Card by the rep to get points, which I still don't have, I still don have some of the furniture from my XXXX order and now I do not have my {$2000.00} that is just sitting as a negative credit balance on my credit card with them for over 30 days. They are refusing to reimburse it even though it has nothing to do with my reward points dispute. I finally spoke to a rep at XXXX XXXX on XX/XX/2020 who changed the last 3 to 4 items that had not already been shipped and cancelled them and reordered them under the rewards point coding versus the 0 % coding which is when my rewards points started to credit. But they returned items and took points away from me that were never credited. So I am negative over 3000 points, when they are the ones who owe my approximately 3000 points ( see attached for exact figures ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that Credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1 ) The recent inquiries on my credit report are fraudulent the dates of those inquiries are in the attachment provided. I did not authorize my credit to be ran and sent dispute letters and faxes and also the wrong names and addresses are being reported on my credit. 2 ) There is a XXXX account reporting on my credit that is NOT MINE, my information was fraudulently used, if this account is reporting under my name. the company itself could not supply a signed contract. With that, there is NO proof this is a debt that is reporting accurately, violating FCRA. 
3 ) The credit report is showing erroneous addresses and names, including ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX , CA XXXX and XXXX XXXX XXXX .
Product: Mortgage

Earlier in XX/XX/2020 Mr. XXXX XXXX talk to me about refinancing my Mortgage to remove like the PMI. I completed the paper work, the loan was approved and the process was smooth and the expected closing date was before the end of XXXX 2020. I paid almost {$500.00} for the appraisal, when the appraisal came I thought something was wrong and I want to dispute the results. This was the las time I heard from Mr. XXXX XXXX. I send several messages and call him to getthe status of this refinance loan but he never answer back to me. The company never send me any communication of the loan status. The companys name is XXXX XXXX  XXXX. I believe as a consumer I deserve some respect and that respect is through answer to me what happened. I invest almost {$500.00} dollars and it was a waist of money and with the situation with COVID that money is a lot to me
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this off for a pay to delete. Late payments are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows my Capital One credit card ending in XXXX as closed, when in fact it is not nor never has been closed. This started on XX/XX/21. I have filed XXXX separate disputes with XXXX XX/XX/21, XX/XX/21 and XX/XX/21 only to be told every time that the account is closed showing transferred/sold. When Capital One is contacted by myself, they confirm that the account is open and in good standing. They both point the finger at each other and NO ONE is willing to help. XXXX 's credit report is correct and shows my Capital One credit care as active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership and they ran unauthorized inquires that they had NO consent as well as most of these inquires I have no knowledge and never applied to these companies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XXXX made disbursements from my checking account that were not authorized. Returned 2 but would not give back the first one they said it was more than 60 days after. I have been trying to get them to handle this earlier than the 60 days. They told me they could not give me a tracking number as requested by citi and they to date have not given me any information as to where the XXXX went. They refused to give me any concrete information as to why they did disbursements and they stilll have not returned all they money back to my account.
Product: Credit card or prepaid card

I went to purchase a couch and they offered 12 months no interest. They could not not offer me credit because i did not have a cell phone. That is discriminating.
Product: Vehicle loan or lease

Second time disputing this account. No documents were sent to me, about my concerns of me owing any monies, or car sales price. The company is reporting to XXXX XXXX and XXXX  that the account was closed and paid, but still shows that I missed several payments to this day. I would like to have this account moved totally from my credit file.
Product: Checking or savings account

This is in reference to the Wells Fargo settlement. Im submitting for overdraft fees that were charged erroneously during XXXX? Cant remember when I closed my account. Please let me know what I need to do.
Product: Credit card or prepaid card

the bank owes me XXXX $ for a system glitch.
Product: Credit reporting or other personal consumer reports

I am a vXXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has been compromised as a result of the XXXX security breach. I have pulled my reports and have been unsuccessful with removing fraudulent inquiries listed on my credit report with submitted documents.
Product: Vehicle loan or lease

In XXXX of XXXX Truist Bank sent a Release of Lean letter along with a free and clear title on a vehicle that we had direct withdrawal payments on. Then in XXXX Truist Bank sent a loan payment letter stating that I have XXXX in outstanding loans with them. During the investigation Truist Bank said that the payments were for a XXXX vehicle that was traded in back in XXXX. Once we advised Truist that the vehicle make/model in their records was for a vehicle that we traded in back in XXXX they then found/updated the vehicle on record to be the XXXX make/model that we have traded in as well as of XX/XX/XXXX after receiving the Telease of Lean letter and free and clear title back in XX/XX/XXXX. Then in XXXX of XXXX Truist Bank sent us additional paperwork stating one again that the loan for the vehicle had been paid off. Now 8 months later Truist Bank is coming at me with a request to pay for a vehicle that I no longer own. I tried to work it out with Truist Bank and even offered to split the difference that they say is owed. Every attempt to ( work ) something out came with the same response, we appreciate the effort on your side but we want every last penny or we will negatively report to the credit bureau. After having the title in hand for 7 months and multiple letters from Truist Bank stating that the vehicle was paid in full we traded the vehicle and entered into a new loan agreement on another vehicle. It is my opinion that Ive tried to bend here and bend there to rectify THEIR mistake but Truist Bank is not bending at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you in hopes that you can help me with Equifax reporting information that is not mine & for things that I did not apply for. I have not received anything from these companies neither did I apply for anything. I have asked several times to remove, they told me to send in an identity theft report but somehow each time I send it they find a way to loose it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX Balance : {$260.00}, XXXX XXXX XXXXXXXX Balance : {$49.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$3000.00}, XXXX XXXX Balance : {$13000.00}
Product: Checking or savings account

I made a deposit into a US Bank branch in XXXX, WI for a rental agreement regarding and apt in XXXX my. We are out XXXX! When we arrived at the rental home we quickly learned it was a scam. I called USBank fraud department and they said they could not flag the Account or do anything because I was not on the account. I have filed a police report and so far have heard nothing from the police or USBank. Meanwhile I was homeless and no one is looking into this account. Someone had to open it. Cant it be researched? Is it flagged? Are more people being scammed? I have copies of the rental agreement and deposit,
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS REPORTING INCORRECT ACCOUNT INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT WAS REMOVED A YEAR AGO DUE TO ACCOUNT NOT BEING MINE.
Product: Checking or savings account

XXXX writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.
Product: Credit card or prepaid card

I had a cash app credit card and a friend send me {$50.00} on Friday, XX/XX/2020 I had not used my card in a while I paid my internet bill and that was no problem, when it tried to pay my XXXX  XXXX  account the transaction was declined four o five times And I followed the process to let them know the card was not stolen I request that cash app close my account and transfer my balance to my debit card at my personal bank immediately. You pay XXXX cent for this transaction The money is not in my acccunt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I set up a credit freeze on Equifax about 1.5 years ago. I recently went to temporarily lift the freeze using the PIN number they provided at the time I set up the freeze. During the process they asked me to set up a login and password, which required providing personal identifying information ( address, SSN ). When I went to set up a temporary lift on my security freeze, they did not ask me for the PIN I was originally given. This means that anyone who gets access to my Equifax account can lift the security freeze without the PIN. This begs the question : was the PIN a required security measure that Equifax is now ignoring and no longer enforcing? 

Furthermore, they definitely make it difficult to ascertain the state of your credit freeze and manage information about it.
Product: Student loan

I submitted applications for Income-Driven Repayment ( IDR ) and Public Service Loan Forgiveness ( PSLF ) on XX/XX/XXXX. Around the same time, my loans were also consolidated. 

The IDR was supposed to limit my monthly payments to 10 % of my monthly income, but my payments were only lowered to about 24 % of my monthly income. I called multiple times to inquire about this, and was ultimately told that my total loan amount was so high that it would not be possible to limit my payments to 10 % of my monthly income. I was reassured that I was enrolled in the PSLF program, however. On XX/XX/XXXX, I called about a different problem, and decided to ask about this issue again. This time, I was told that my IDR application was received but never processed. There was no further explanation. I was told that my initial application ( the one that was received XX/XX/XXXX but ignored ) had expired, so I submitted a new application that day. I was told again that I was enrolled in the PSLF program, though. 

On XX/XX/XXXX, I called to check on the status of my new IDR application. I was offered the option of postponing my current month 's payment until the new IDR application was processed, and I asked if that would affect my PSLF payment plan, since I am supposed to make consecutive monthly payments for ten years to qualify for loan forgiveness. I was then told that I was not enrolled in the PSLF program. I was given a different phone number to call to verify this. I then called that number and reported that I had submitted my PSLF application on XX/XX/XXXX and I provided the fax number I had submitted it to. I was told that, while that was the correct fax number, my application was never received. Again, I submitted a new application XX/XX/XXXX. 

My total federal student loan amount is over {$400000.00}, and I have already made XXXX ; {$20000.00} in payments in less than a year. I am extremely concerned that over the course of multiple applications submitted and many phone calls made, I have essentially been lied to about the status of my applications and the reasons for why my monthly payments are so high. Even if I had not been lied to, I now have XXXX applications that were never processed for unknown reasons - the IDR that I am told was ignored and the PSLF that I am told was never received. I am reaching out to the CFPB because it is impossible for me to advocate for myself when I am not even being given accurate information by the lender.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the customer, financial protection act ( CFPA ). but typically cash app failed to take timely and effective measures to prevent an 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 certificate and convenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

they were times i did call the XXXX number and i did gave out personal information.
Product: Bank account or service

Dear CFPB : The ONLY Bank of America office and ATM in XXXX closed its doors recently ( XXXX ). The sign on the door instructs us to go to XXXX of SEVERAL locations in XXXX County. So now we have to travel many miles outside the county to go to the bank. The officer, XXXX of the B.O.A. in XXXX I complained to explained the XXXX County BOA did not have enough customers to justify keeping it open. Even their brand new Automatic Teller Machine ( ATM ) was gone. That area is booming, so that excuse does n't hold water. Given the willy nilly nature of BOA 's " Here one minute and gone the next '' attitude, it is obvious our State or Federal banking regulators are cutting ( them ) too much slack. We 've been BOA customers for many many many years and the notice taped to the bank 's front door is an insult - IT DOES NOT MATTER WHAT BANK OF AMERICA 'S EXCUSE WAS. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent 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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX Balance : {$170.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I was given a utility grand by XXXX, the grant allow my bill to become current before I had to disconnect the service.
Product: Credit card or prepaid card

I have a credit rating over 800, as I always pay my creditors on time, and I pay off all credit card balances every month. This month, Capital One lowered the credit limit on one of my cards from {$11000.00} to {$5000.00} because, they claim, I do not use the card enough. 

It is common knowledge that credit reporting agencies base credit ratings on, among other things, available credit. This adverse action by Capital One will, undoubtedly, lower my credit rating, even though I have never made a late payment and have never allowed this card to go over the spending limit. 

My annual use of this credit card exceeded {$50000.00} per year in XXXX and XXXX, but it dropped significantly in XXXX because of a chargeback dispute with Capital One. The current action by Capital One is clearly retaliatory. I would have disregarded it, however, if it weren't for the harm it will cause to my credit rating. 

In addition to this complaint, I will be consulting with an attorney regarding possible legal action, should I see an appreciable drop in my credit score.
Product: Debt collection

I disputed an unrecognized debit card that opened under my name back in XX/XX/XXXX, and no progress has been made from the XXXX  or XXXX. I never visited or purchased at XXXX in person or online since XXXX ( which is verifiable from my transaction history at XXXX the only bank I use ) and I certainly did not open a checking account without linking it to my bank. Very interestingly, this debit card opened around the same time I was told I need to check if I was part of the data breach victims in XXXX. After confirming that I was I immediately reported this fraudulent collection for the sake of correcting my credit score from XXXX 's dispute center. Almost 9 months have passed, I still see no investigation progress from XXXX  or XXXX  and this collection record is affecting my ability to apply for a car loan that I need for day to day commute. I need to correct this collection record from a real identity theft incident that happened almost 2 years ago.