23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX, I received a text message from " XXXX '' stating : " BofA Security : Debit card ending in XXXX was declined. Enter the correct expiration date OR call XXXX to activate your card. Text STOP to end texts. '' I have a Bank of America checking account with a debit card ending in XXXX. This card was not activated when received because I have no intentions of using it. It is stored in a safe. 

I called Bank of America using a number found on my account page after checking my account information online. The representative was not helpful and didn't understand the issue. 

As a victim of known-name identity theft, I am very concerned by lack of security and concern of the situation. It appears someone is attempting to use my debit card but can't because it was never activated. The debit card has never been used. This indicates that Bank of America has a data breach of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I noticed an alert on my credit report for a company I've never heard of, so I immediately started a dispute. Today XX/XX/XXXX, my results came back as accurate and meets FCRA requirements. I called and asked Experian to send me or what proof was sent to them to prove.it was my debt and I was told, that they don't investigate and they leave it up to the creditor to investigate. I also was told that if the creditor says I owe a XXXX dollars, that is what I owe. Can you imagine being told that by a credit monitoring company? They will not except another dispute from me. Credit name is, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX. 
FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$940.00} Status Account charged off. {$670.00} written off. {$940.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$620.00} Status Account charged off. {$540.00} written off. {$620.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$330.00} XXXX XXXX account. {$330.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$2100.00} XXXX XXXX account. {$2100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$1300.00} XXXX XXXX account. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$650.00} XXXX XXXX account. {$6.00} XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} Status Account charged offXXXX XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$790.00} Status Account charged off. {$790.00} written off. {$790.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXX 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 Funds 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

I am filing this complaint because TransUnion has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.
Product: Debt collection

Hello CFPB, I have been a victim of Identity Theft and Central Financial Control continues to ignore my rights under the FACTA among other federal mandates. I noticed a couple of fraudulent accounts under my name and began my fight about 1 years ago. Central Financial Control has receiv ed 3 letters  from my since  XXXX . I have even faxed over the documents and still nothing. Please help me resolve this so I can continue on with my life. This company needs to be investigated for their practices.     Thank you,  XXXX
Product: Debt collection

I was given, what I believe was, a predatory auto loan by XXXX XXXX in early XXXX while on XXXX XXXX. When I was XXXX from the Navy early, I let Navy Federal know that I was as unemployed. I was unaware of my rights in XXXX. I defaulted on the loan and my last communication with Navy Federal about this loan was in XXXX. The car was repossessed in XXXX. While on unemployment in the summer of XXXX, I asked my sister to cash an unemployment check against her Navy Federal checking account on base at XXXX XXXX in XXXX XXXX. I was approached by the manager to discuss the loan, to which I said I didnt wish to do so. She refused to release my check and I had to call base pd for help. I was unaware that this wasnt something they were allowed to do but this is the last contact I had with Navy Federal about the auto loan. On XX/XX/XXXX and XX/XX/XXXX I received calls from someone stating that they had information to give me about a civil lawsuit being brought against me. I called the number on XX/XX/XXXX and was told by a representative that Navy Federal is in the process of filing a civil claims suit against. I said that I did not wish to discuss this with the representative and that they are not allowed to harass me and claim suit for a loan this hold. The representative said I was wrong and disconnected the call. I believe that this threatening behavior goes against my rights as a consumer as their window to file a civil claim has passed ( the loan originated in California and the last conversation about the loan was XXXX. I have lived in Nevada since XXXX but have not had any sort of conversation with Navy Federal during this time ). I have had decades of harassment from Navy Federal and would like this addressed.
Product: Debt collection

I set up a payment agreement for {$50.00} a month in XX/XX/XXXX and the very first direct debit from my account was for {$100.00}. I called them and they claimed it was an error and refunded {$50.00} to my account. XX/XX/XXXX I noticed two separate charges for {$50.00} from the company and called to find out what happened and they claimed error again. I did not have them reverse the charge but rather said I would not like to be debited any more but rather to mail me a bill. I have since received numerous phone calls about making a payment and the company refuses to accept responsibility for fraudulently charging me.
Product: Credit reporting or other personal consumer reports

i am an american national in full life not dead nor lost at sea. i am not a XXXX XXXX, NOR A MUNICIPAL CORPORATION, Nor am i a 14th amendment CITIZEN nor am I subject to any STATUTORY STATE OF STATE LAWS i am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Legal Trade Name XXXX XXXX XXXX  have been accessed without my written or verbal consent. This is a copyright violation I am having issues with TRANSUNION AND XXXX deleting incorrect information. they keep saying verified and not giving the process of verification. i have also sent copies of the XXXX XXXX report which verifies my claim. I will like an immediate removal of any incorrect information that is preventing me access to my estate.
Product: Mortgage

I recently refinanced my home and the loan was sold/transferred to Flagstar Bank within a month or so. Rather rather than make the regular payment of XXXX each month, I chose to pay {$500.00} each week which I thought would be applied to the mortgage balance on date of receipt and help reduce total interest paid and result in paying the mortgage off sooner. See mortgage statement in attachments whichwas pulled from the XXXX website. I received a notice that they had not received payment. I called customer service and they applied the payments on the day I called, not on the date the payments were received. 

Is this legal? Can they hold payments that I send to them without crediting my mortgage? 




Date Description Total Amount Payment Principal Payment Escrow Payment Interest Payment Fees/Other Charges Payment Suspense Principal Balance Escrow Balance XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Reversal XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Payment XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found the following inquiriees that need to be deleted Found unauthorized inquiries on my consumer reports which need to be deleted immediately XXXX inquiries not authorized : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX inquiries not authorized XXXX XXXX XXXX ( Finance XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XX/XX/XXXXXXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX Experian inquiries not authorized : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX. My only social security number is : XXXX. My only and correct date of birth is : XX/XX/. I do not wish to have any telephone numbers on my report. Below are negative account / accounts impacting my credit. XXXX XXXX {$2700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$2800.00} XXXX XXXX {$16000.00}
Product: Payday loan, title loan, personal loan, or advance loan

After numerous phone attempts and emails, they never took my name off a fraudulent loan taken out by a household memeber who added my name to it without my permission. I have paid it only to stop collection activities and it has been unsafe until now to report this to local police. I sent the following in XX/XX/XXXX to get assistance : ACHIEVE PERSONAL LOANS Fraud Department I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ) and well as my balance. I have enclosed a copy of my FTC Identity Theft Report and my credit report showing the items that I disputed. Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I spoke with XXXX via telephone on XX/XX/XXXX about fraudulent activity using my information. I was not given a report number at the time and was told to gather documents and an FTC report to continue. 

End message ..... 


I sent this information I'm XXXX and no one responded with a resolution. I've called and spoken to multiple agents who would not give me their names and sent me to other departments only to hang up on me.. 

I enclosed is a copy of the FTC report supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate this matter, and delete the disputed item ( s ) as soon as possible : - Loan responsibility - Inquiries ( XX/XX/XXXX, XX/XX/XXXX ) I asked Achieve to send me a letter documenting the actions they took to absolve me of any responsibility for the information I disputed which resulted from the fraudulent activity and loss of over {$6000.00}. 

. 


According to the XXXX fine print : **Personal loans are available through our affiliate Achieve Personal Loans ( NMLS ID # XXXX ), originated by XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Had Zelle when it 1st launched was not able to get my money back after sending to the wrong person. Never got compensated basically was told my loss and to be more careful!
Product: Debt collection

XXXX XXXX XXXX has placed a collection account on my XXXX, XXXX and XXXX credit bureaus.It is  account number XXXX. 
They say the original creditor is XXXX.I .have never ordered a XXXX card, never charged on a XXXX account, ever ; the account was opened fraudulently.It is impossible to debt validate because they have no record of me or my signature ordering anything, yet within 24 hours of an XXXX   dispute, XXXX XXXX verified and XXXX won't allow another dispute saying it's frivolous The damaging account must be removed immediately from my bureau reports. 
.
Product: Debt collection

On XX/XX/year>, XX/XX/year>, XXXX I sent XXXX, XXXX XXXX XXXX multiple letter challenging accounts has been added several times affecting my credit and score. All sent to correct po box and other po box belong to all three bureau but they either never response or deleted partial inaccurate, incomplete, or unverifiable information. This is improper investigation of credit reporting errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX CARD XXXX XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX Date XXXX Balance : $ XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 about XXXX eastern time i called XXXX  , Equifax and XXXX to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Product: Debt collection

XX/XX/2019 Contacting family members and disclosing personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reflecting an unauthorized credit inquiry made by XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : XXXX XXXX XXXX : Personal Information Also Known As : XXXX A XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX, XXXX, Also Known As : XXXX, XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX Former : XXXXXXXX XXXX XXXX Employers : XXXX  Collection/Charge Off XXXX  XXXX XX/XX/XXXX {$23000.00} Late Payment XXXX  XXXX XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I lost my card and someone used all my money and I don't understand how chime never tell me in messages about this transactions and now that I am calling to chime they say to call them in 1 week.
Product: Mortgage

I was 2+ months away from closing on my new home. I wanted to check to make sure the incumbent lender was providing me with the best rates. I searched online and landed on RocketMortgage website. I answered a few questions online and then got a call from XXXX at RocketMortgage. 

I told him that I was shopping for mortgage rates, however I had already selected a mortgage company that was associated with the builder. I told XXXX that besides the interest rate, he would have to overcome a {$2500.00} seller credit. 

The first estimate was better by an eighth of a percent with points paid, however without the seller credit, RocketMortgage wasn't competitive at all. I reject the offer. 

XXXX came back to me a few days latter stating that he got his directors approval for a better estimate. In the estimate had over $ XXXX in " Other credits ''. See attached. 

I told XXXX that I don't understand how his company can provide $ XXXX in credits. He stated that his company will make it back through the life of the loan. He then asked for a {$500.00} dollar deposit to lock me in. 

As we got closer to closing, I asked for the final numbers and the final numbers no longer had the $ XXXX in credits. I later found out the " Other credits '' were not credits from the lender, but estimates for how much of the prorated property tax I would get since I was planning on managing my own escrow. 

I went back to my original mortgage company, however the rates went up and I lost the {$500.00} deposit. 

I asked RocketMortgage for {$1000.00}. {$500.00} for the deposit and {$500.00} for me to buy down points to get me back to XXXX. They refused stating the that " other credits '' were not " lender credits ''. The conversation that I had with XXXX occurred over his office phone and his cell phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Navient has on many occasions refused to give us the best repayment option.
They have steered us into forbearance after forbearance stating that if we didnt take it our payment would be {$1200.00} a month.     I mention ed IBR and Obamas PAYE and the y told me time and time again that we didnt qualify leaving us no choice but a forbearance.   Even with my husband out of work and my income at {$37000.00} a year they still told me my payment would be {$1200.00} a month.   It wasnt until I threatened lawsuit did they budge and finally give me a decent repayment option.   But now the year is up and they are at it again with the high repayment terms that we cant afford.   For years they have intentionally forced me into forbearance exhausting all my forbearances while refusing me a decent repayment schedule that I could afford.