23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  an Unauthorized User, used my Cash App App and tried Fourteen transactions with various amounts, totaling {$2400.00}. My bank at the time, XXXX XXXX, was able to stop Eleven of the transactions but Three went through in the amounts of {$5.00}, {$200.00}, and {$500.00}. I immediatley contacted my Bank and CashApp about the unauthorized access on XX/XX/2022. XXXX XXXX said to contact CashApp about it because it was a Point of Sale issue and not their jurisdiction. CashApp stated to contact my bank about it, because my bank issued debit card was linked to my Cash App account. So the Circle begins! As of the date of this letter, I have since been refunded for two of those transactions for {$200.00}, but I have not been refunded for the last one for {$500.00}. The last time I contacted CashApp was on XX/XX/XXXX  and they said to get updates from XXXX XXXX. XXXX XXXX  has since closed my checking account associated with the linked debit card.
Product: Credit reporting or other personal consumer reports

Recently I locked at copy at a copy of my credit report XXXX noticed several inaccucies on my account. This account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate Account Name : XXXX XXXX XXXX. Account XXXX
Product: Vehicle loan or lease

We had just paid our last lease payment and were just about to call BMW Financial to purchase the vehicle. 1-2 days after we paid that last payment, a large rock was struck by another vehicle and launched toward my wife 's car and the rock went under the car and put a hole in the oil pan. The car was then totaled by my insurance company. The value of the vehicle is worth more than the residual on the lease. I was under the impression that the over value would be sent to us to purchase a new car, but our insurance told me that BMW Financial would keep all of the money, including taxes, fees, license etc. I called BMW Financial, and they were very matter of fact with me and told me that it was their car, and they would keep the money and I couldn't purchase the car as a salvage. The car is being ripped from us, and BMW is taking all the money, unless I want to buy or lease a new BMW. In that case, they will kick back 1/2 of the money for a down payment. I usually buy XXXX and I called the general manager at XXXX because I had never heard of this happening, and he told me that XXXX would never do this to its customers because XXXX and XXXX feel this is bad faith. I will tell you ; BMW doesn't feel it's bad faith and they are very rude about their position. Also, the contract we signed clearly states at # 24 and # 25, which BMW Financial told me to look at, states : in the event of a total loss, " I will not be obligated to pay you the gap amount ( the difference between the Adjusted Lease Balance and the actual cash value of the vehicle as of the date of loss ) if the claim for total loss is actually paid to you by my insurance company. The contract says that I don't have to pay the difference.
Product: Credit card or prepaid card

I've been an American Express customer since 2013. I've always paid my bill in full never racked up interest charges and never missed a due date and my credit score is over 780. I had the personal American express platinum card and the business XXXX honors card. On XX/XX/XXXX, I took a trip from XXXX, FL to XXXX, FL to propose to my fiance in XXXX XXXX. Prior to the trip, I added my business bank account to my business card account to make payments to be consistent with business bookkeeping. I made a payment for {$7200.00} from my business account to my on my business Hilton honors card ending in XXXX and it was returned and I got an email from American express telling me that all of my accounts. ( personal and business ) were closed. The personal American express platinum card and the business Hilton honors cards were the only cards in my possession at that time, so I was stranded 400 miles away from home with two cards that American express closed without warning. Upon further investigation, I realized that I missed the business bank account number by 1 number therefore my account number was wrong and that was the reason for the returned payment. I've tried explaining this to American express and this fell on deaf ears. Since this happened I was able to enter the correct account and paid my balance in full to AMEX. I have been a loyal customer of American express since 2013 and it's a shame that they treat loyal customers this way.
Product: Credit card

The company is ComenityCb/XXXX I paided this account in full XX/XX/XXXX {$75.00} total due on my statement. XX/XX/XXXX I received a bill from XXXX stating I owe {$14.00}. I call them and ask why Im I receiving a bill 3 months later, when I paided total amount due? The representative said that is Interest due, I said I dont have account with XXXX anymore I paid full amount due in XXXX. Now they are putting this on my credit as being late and adding late fees. This is so wrong after 3 months saying I owe interest fees why wasnt the interest added on my last balance? Will someone please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I emailed 2 letters to TransUnion regarding the XXXX XXXXXXXX XXXX XXXX  ) inquiry for XX/XX/2021. This inquiry is not mine and should be deleted.
Product: Credit card

On XX/XX/year>, American Express took adverse action against two of my personal accounts : the XXXX XXXX XXXX XXXX ( ending XXXX ) and the XXXX XXXX XXXX XXXX ( ending XXXX ). The credit limits on both accounts were significantly reduced to {$1000.00} each, with the cash advance limit set to {$200.00}. The stated reason for this reduction was that the average of my recent payments, in relation to the balances on my American Express accounts, was deemed too low. This decision was made despite my good faith efforts to keep all accounts in good standing. 

Similar actions were also taken against my business accounts, including assigning restrictive preset spending limits. These changes have collectively hindered my ability to effectively use the accounts for personal and business purposes. Furthermore, despite having tendered payment for these accounts, American Express has refused to process the payment, using coercive and extortionate measures to extract additional payments and justify adverse changes. 

The imposed limitations are unreasonable and not reflective of my payment history or account management. I believe these actions are punitive and retaliatory, and I request a review and reversal of the adverse changes, including restoring the original credit limits and removing preset spending limits on all affected accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent letters to the credit bureaus on multiple occasions and they continuously send me vague letters that ends in them not removing these either fraudulent or accidental inquiries ending up on my credit report. The letters they send either states they verified or that credit inquiries can stay on your report for up to 2 years. Even when they send a letter stating they verified that this is my inquiry they never follow the law and state how they verified that I made the inquiry I am disputing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting this to inform you that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Experian, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and section 605b, and continued to report unverified information without providing any proof required by law. The Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. I need the following Inquiries to be removed as soon as possible : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; and XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX Dispute Resolution Team, I hope this letter finds you well. I am writing to formally dispute inaccurate information listed on my credit report and to notify you that these ongoing issues with erroneous data have not been resolved despite my previous efforts. Specifically incorrect account, a late payment notation that was never late, or an account that does not belong to me. 

I want to bring to your attention that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX due to failures in accurately handling consumer disputes and ensuring the accuracy of credit report information. As stated in the CFPB 's lawsuit, XXXX has been found to not have properly investigated disputes and often failed to remove or correct errors in consumer credit files. Unfortunately, my experience reflects these ongoing issues, as my disputes have not resulted in the proper correction of the inaccurate information on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full and accurate investigation of the disputed items. I also expect that you promptly update or remove any inaccuracies found and provide me with the results of your investigation in writing. I have included all supporting documentation that substantiates my claim for your reference. 

Please consider this matter urgent, as inaccurate information is negatively impacting my credit score and, consequently, my financial well-being.

I look forward to receiving written confirmation of your investigation and the correction of my credit report. Please respond to me at the contact details listed above, and do not hesitate to reach out if you need additional information. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX ( ssn ) XX/XX/XXXX
Product: Credit card or prepaid card

I have a Macy 's store credit card, and typically pay off the balance in full. I have n't carried a balance on the credit card in months, but in XXXX started receiving $ XXXX monthly charges on a {$0.00} balance, with paper statements sent sporadically / not on a monthly basis. Since it takes so long to reach a live agent on the phone ( 20-50 minutes ) I typically paid off the {$2.00} interest charge every month, and imagine a lot of other customers are doing the same. In XXXX of XXXX my Macy 's credit limit decreased from {$1200.00} to {$300.00} with no explanation and no notice, causing my credit score to dip slightly. In XXXX of XXXX my credit report showed that Macy 's closed my credit card account entirely, again with no notice or explanation. My credit score fell again. I called Macy 's and spoke with an agent who apologized and said there was a glitch in the system, offering to re-open my account. I declined and asked that my account remain closed. The agent said that if I wanted to discuss credit report issues I would need to call the credit reporting department. I called that department and was on hold for 35 minutes, then decided the few lost points on my credit score were n't worth the time and hung up. In XXXX I again began receiving sporadic paper statements, each for {$2.00}. I paid off a couple of months and tried reaching a representative to figure out why I was being charged on a closed account. In XXXX of XXXX I was assured that I would no longer receive monthly bills on a {$0.00} balance, and that my account is closed. Today, XXXX XXXX XXXX, my credit report shows 3 late payments, all from Macy 's, on a supposedly closed account. To date, Macy 's caused my credit score to drop more than 40 points. I called Macy 's and spoke with a representative who again apologized and removed the {$2.00} charge for the last 3 months and informed me that I can discuss credit report issues with their credit reporting department, which works different hours. I asked for the status of my account and was told it 's in " Hold '' status due to the remaining balance. I asked the representative to close my account. After a few minutes, she said she could not close it because it 's " showing up as already closed ''.
I 'm frustrated and angry that Macy 's is getting away with this, and am shocked this has n't yet resulted in a class action lawsuit. The shady business practices started ( at least for me ) around the same time that Macy 's reported financial struggles -- closing down stores and letting go of employees -- but stealing from consumers is not the way to stay afloat. Many people are having this experience with Macy 's : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Security finance credit breach payment XXXX liable retrocession payment XXXX [ XXXX [ XXXX [ notarized XXXX total XXXX IRS took XXXX for student loan never had total XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX total XXXX IRS notarized 5 IRS XXXX total paid XXXX and credit breach XXXX total XXXX trust stage life XXXX total XXXX entire balance paid in full credit breach tax fraud by family XXXX  total XXXXXXXX XXXX decrease my SSI sent fake checks XXXX i disputed everything file complaints and or results please help thank you
Product: Debt collection

To Whom It May Concern : I filed CFPB Complaint XXXX against XXXX XXXX  on XXXX. As of XX/XX/2021 XXXX XXXX told CFPB their response is in process. I received In a letter dated XX/XX/2021, collections law firm Guglielmo & Associates contacted me about the debt, disregarding the CFPBu. That letter is attached. Their client XXXX XXXX  has received multiple communications from me stating that my income source is exempt from judgement, so why did they direct Guglielmo & Associates to contact me on their behalf, especially when they had proof of my exempt income. 

XXXX XXXX has made multiple representations that they want to help, repayment assistance etc, and that they honor the CFPB process, hardly a month before the XXXX letter from Guglielmo & Associates, which might indicate, in my opinion, the likely intention of XXXX XXXX to circumvent the CFPB through abuse of legal process, especially since their response to my original complaint is delayed. Even if XXXX XXXX claims mistake, they bear legal liability, and current and future financial liability for any actions by their agent, Guglielmo & Associates. 

Since the CFPB Database seems to indicate that Guglielmo & Associates might engage in questionable legal actions, and they like to hide their CFPB responses from the unsuspecting public, I have no doubt they will terrorize me in the future. I ask that Guglielmo & Associates provide written acknowledgement of my exempt income. I have other exemptions as well. XXXX XXXX is put on notice that they were aware of my status BEFORE they sent Guglielmo & Associates to attack me, so XXXX XXXX is responsible for any and all actions of Guglielmo & Associates.
Product: Money transfer, virtual currency, or money service

Well I have reached out to my bank and to to the people who took money out of my account and never got ahold of the company so I went thru my bank to settle this I got two payments that were given back to me on different days and another issue is the bank I use there is XXXX dollars that was added to my account theu XXXX XXXX that I did t even use i it had that I could use XXXX dollars out of XXXX and then a day or two later it had I owed XXXX dollars witch is wrong because I didnt even use it all but they are wanting me to pay it back and then they have this credit builder loan that you can apply for it I was able to get XXXX dollars but was only goven I XXXX  dollars like you have to pay off the XXXX dollars and I think the XXXX they have in reserve you have to pay that too and then they give you the XXXX witch dont make since because of Im buiilding my credit then give me the whole XXXX and pay back in monthly payments like that not give me XXXX dollars and then I have to pay back the whole loan before I even get the rest because people like me I. Financial hardship really need that money abd I felt mislead on that
Product: Mortgage

I have filed several complaints against Wells Fargo, and the opposing counsel, Attorney XXXX XXXX XXXX # XXXX, has committed several legal violations. For example, he has severely violated his oath as an Attorney in the state of California, and is totally corrupt. Again, he has issued me a fraudulent document which consisted of a mortgage note that was falsified due to the fact that it did not match the original copy of the mortgage note. In addition, Attorney XXXX XXXX XXXX has been indulging in dual-tracking while a loan modification was in progress, sending me direct emails, and letters instead of communication with my legal counsel. In addition, Attorney XXXX XXXX XXXX attempted to have someone deliver personal papers to my next door neighbor that consisted of information regarding the status of the subject property, and was discussing the foreclosure attempts regarding the property with a friend of mine who is an Attorney, but is not my legal counsel. My neighbor told the individual at the door never to come back to his home again. The auction of the subject property is scheduled for XX/XX/2019, and Attorney XXXX XXXX, has not offered any alternatives to the foreclosure process. Finally, Attorney XXXX XXXX needs to lose his license to practice law in the state of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct or remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX  Balance Owed : {$8100.00} XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$8100.00} XXXX XX/XX/XXXX.
Product: Mortgage

To Whom It May Concern We have been going through a modification process for over six months with Flagstar Bank, without a final decision. We are reaching out requesting assistance in the process. We do not know who else to discuss this matter with and have resorted to the Consumer Financial Protection Bureau for assistance. We are currently working with a Home Loan Advocate ( HLA ). Email address : XXXX. Phone number : XXXX XXXX XXXX XXXX. The team leader is XXXX XXXX. Email address : XXXX. Phone number : XXXX XXXX XXXX XXXX Please assist us in getting this process resolved. Thanking you in advance for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. I have already reported this to the credit bureaus. I sent all of my documentation including my Identity theft report from law enforcement and my identification, as well as a letter describing the crime. My information was exposed in the Equifax data breach and I believe that this is how they got my information. I have sent this information 2 times already to the bureaus and the information is still on my reports. It has been several months already. Please contact me if there is anything I can do or you need any more information from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove XXXX XXXX XXXX inquiries from consumer report. Please see attached letter from XXXX XXXX XXXX.
Product: Debt collection

I had an account with comcast. I was moving from XXXX to XXXX. I called XXXX to let them know and I needed to suspend service and when I have my new address i will reinstate. They told me OK, XXXX XXXX, not a problem. This happens all the time. 

about a month later, I moved into my apartment and called up comcast and they would not give me service. They said I had to pay almost {$900.00} for a broken contract and there is no record of me having service transferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a debt collector that is committing fraud, extortion, harassment, & misrepresentation by trying to collect on an account that has already been deleted by Experian from the credit report of XXXX XXXX due to identity theft. XXXX was deleted from the credit report of XXXX XXXX about the dates of XXXX XXXX XXXX2022. 

Attached is XXXX XXXX XXXX documents presented as " so called '' validation of a debt as well as my Affadavit of Fact, & Identity Theft Report.