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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.SC 1681 section 602a states I have the right to privacy.

15 USC 1681 Section 604a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

XXXX XXXX was give a trial plan by SLS.. He made the XXXX payments. SLS then said he failed the modification because he did not return the correct modification paperwork. He said he never got them and could they resend them. SLS said they were sent to his XXXX XXXX . POst office had no record. SLS then emailed him the paperwork. But the paperwork they kept sending him in XXXX. XXXX and XXXX was not the modification documents but the letter stating he was approved for hamp tier 1 with the NPV values. He signed it and returned it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 open cases with XXXX Fraud Department that is not being handled professionally by XXXX. My account was hacked and they changed mailing address and contact info in the system without my knowledge. This is an ongoing issue dating back from XXXX XXXX and separate transactions dating into XXXX. I opened a police report with the XXXX, NJ Police Department - XXXX ( Police Report Attached ). Case # XXXX. Detective XXXX XXXX Date Opened : XX/XX/XXXX. 

1 ) XXXX XXXX ( {$1000.00} ) - I never initiated the transaction to XXXX XXXX Case # XXXX on XX/XX/XXXX. I wrote to XXXX XXXX who provided no assistance. I then went to XXXX who is also not helping. It maybe a simcard swap issue as I never initiated the transaction or do not know this individual. 

2 ) Case # XXXX Acct # XXXX Fraudulent Transactions Below : XX/XX/XXXX {$99.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$4600.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$44.00} ( Possibly my XXXX XXXX Loan however debit block was lifted by hacker and shouldnt have been charged to this account ) The fraudulent mailing address that was used was XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ . The XXXX XXXX XXXXd that the fraudulent transaction was sent to was $ XXXX who I do not know or had any interaction with. 

Please urgently contact XXXX and assist me with getting these fraudulent transactions cleared. I have since suffered medical issues due to the way its being handled by XXXX. Please note I am a victim of identity theft and XXXX is providing no assistance or evidence why they reject the claim. 

My last conversation was with XXXX XXXX XXXX XXXX XXXX ID # XXXX ) Citi Fraud Dept : XXXX -- -- -- -- -- -- -- -- -- FTC Case ID : XXXX -- -- -- -- -- -- - XXXX  Banking Dept Complaint # XXXX -- -- -- -- -- - XXXX Your Confirmation Reference Number is : XXXX
Product: Debt collection

I would like to remove the account from my credit report. attach this letter is a copy of my police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on my credit with Equifax for the last few months and while some stuff was removed, a good bit was still there. I asked them to provide proof of debt owed and neither them or the debt collector has provided me any proof via mail of account information, contracts, signatures, etc. This is unacceptable because it's illegal to have wrong information on my credit report.
Product: Credit card

Dear Sir or Madam, I am having a huge issue with my Discover Credit Card. I have been a member since XXXX with outstanding credit and never missed a payment. I changed credit cards and during the transfer process Discover Card is billing me twice for the XXXX XXXX statement. They included the transfer balance of {$1000.00} on the XXXX XXXX Statement and showed that I paid it on XXXX XXXX, XXXX but also included it as purchases so they are billing me again for the balance of {$1000.00} on the XXXX Statement thus inflating the XXXX Statement to a {$1800.00} balance. 
Since I discovered the issue ( which was right away as soon as I got the statement ), I have spoken to XXXX different people including XXXX supervisors who all claim that they see the issue and they will fix it. Guess what? No one has fixed anything. My balance is still inflated with a statement due in a couple of weeks with the wrong balance. Not to mention that I am shopping for a property and my credit is pulled by lenders who see a wrong inflated balance. 
I am beyond frustrated with Discover Card, a company I thought was professional and had good controls regarding balance transfers. Every time I called, it was the same process. The main contact would transfer me to billing ( after keeping me on the phone for about 30 minutes ), then the billing admin would transfer me to a supervisor who would tell me after 45 minutes that they will need to further investigate. How much further investigation is necessary for a credit card leader such as Discover? I am a XXXX and to me it is very obvious : beginning balance + purchases - payments = the balance that I owe for the XXXX statement. However, Discover thinks the following formula is true : beginning balance + purchases - payments + purchases again = ending balance. 
I really hope you can help me at this point because I really do not know what to do. Maybe actually showing up at their billing center and fixing the problem myself might be best? Please call or mail them a letter. They need to go ahead and not rob me of {$1000.00}. I am a single mom and am on a tight budget. This is what I call - taking advantage of the customer and I really do not appreciate it. 
Please call me with any questions as far as if you need further details about my situation. My name is XXXX XXXX and my phone number is XXXX. Thank you for you help. I hope your organization will actually do their job unlike Discover Card.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and McCarthy, Burgess, and Wolff keeps reporting an account that does not belong to me. I have disputed and informed XXXX that this is not my account and they fail to remove it and keeps reporting this as an accurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this complaint is for both me and my husband. I want to file it against XXXX XXXX. I've been having trouble with them for so long and I don't seem to be getting anywhere with them. This complaint is about credit reporting for a loan on a vehicle which was legally deemed a lemon. 

Back in XXXX I hired a law office because my car was constantly giving me trouble and the dealership could never fix it. I kept having to take it back constantly and finally I hired a lawyer. We went through the process of having it legally declared a lemon and getting the loan closed because the car was defective. They took my vehicle sometime in the summer of XXXX for this process. During this time my attorney informed me that this was definitely a lemon and they were in contact with XXXX and no payments needed to be made on this vehicle. In fact, I was even given a reimbursement check with a letter from the attorney 's office which stated no payment was to be owed after XXXX of XXXX, and if I had, I was to be given another reimbursement check within 10 days. It was my understanding this was supposed to have fixed everything but that wasn't the case. 

XXXX has been reporting 30 day late payments on mine and my husband 's credit report from XXXX of XXXX until XXXX of XXXX. My husband and I have done everything to try to have this resolved. We spoke with XXXX to have this fixed, sent out dispute letters to the credit bureaus, notices to XXXX XXXX, hired a credit consultant after we received no response to do the same job and he also didn't receive any results. I even conferenced call with my consultant to XXXX on XX/XX/XXXX to inform them of how I have yet to receive any response to any letters submitted to any company and I still didn't receive any help. On XX/XX/XXXX, the representative we spoke with tried telling us they never received notices of any kind but that wasn't true, we submitted various letters to them and the credit bureaus and didn't receive any response. Not only that, but the representative also told us I would get a call within 48 hours from the department which handles credit reporting so they could speak to me about possibly having these late payments removed. Today is XX/XX/XXXX and I still haven't received this phone call. 

XXXX is seriously placing my credit in jeopardy. I can't get credit loans because the late payments they are reporting are very recent and consecutive and my score has dropped significantly. Please help me fix this. XXXX is lying about me paying late all these months. I will give you the letter from my attorney so you can see that XXXX is lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information, leading to a breach which puts myself and millions of others at potential risk. I am especially disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via the news. 

Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for consumers to deal with. Considering the generally misunderstood nature of credit reporting among the general public, Equifax should have immediately contacted everyone affected and provided the public with a list of concrete steps to take. I should not have to figure out how to safeguard my information by myself when a company 's lack of security was what caused it to be compromised. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX I have attempted to Dispute the above accounts with XXXX, Equifax, and XXXX. These accounts should not be reporting under my name because they are not mine and I did not authorize them. I ask that these accounts be deleted immediately from my credit reports.
Product: Debt collection

Portfolio Recovery is calling my house at all hours of the day/night. I do not owe a debt to anyone. I have told numerous representatives on numerous times that they have the wrong phone number. I chatted with a representative online who said my phone number would be removed from the list. They called me again, at XXXX tonight, XXXX days later. They are harassing me!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attempted to contact the reporting agency several times over the past year. Midland Credit Management has been incorrectly reporting a collection account and the agencies refuse to verify and validate the account.
Product: Debt collection

XXXX XXXX sent me an affidavit to fill out. I sent it back weeks ago. I have not heard anything back from them. They are trying to collect a debt that was a result of my account being used unauthorized.
Product: Mortgage

APM FUNDED AN UNINSURABLE LOAN On or about XXXX I applied for a refinance of my RanLife FHA with American Pacific Mortgage. I closed on the refinance on or about XXXX/XXXX/XXXX. On or about XXXX XXXX I was informed that there was an error in my title paperwork ( a date that was dated after some critical date it should have been dated before ) and all I was told was that a ) it was impossible to re-sell the loan on the secondary market (? ). I was told it was a " scratch and dent loan '' ; and b ) APM would have to service the loan itself. I paid 11 months mortgage payments to them without receiving benefit of a positive credit line. 

APM WOULD NOT WRITE OUT OF UNINSURABLE LOAN On or about XXXX XXXX, APM said they wanted to re-finance my loan to be able to " write me out of an FHA '' to drop the PMI. On or about XXXX XXXX they told me that not only were they unable to refinance me into a conventional loan ( even though I am appraised well over 80 % ). They blamed the fact that I have a HERO loan and they could not " do a conventional loan '' on the loan, but they also could not do an FHA streamline either. The rules on FHA not refinancing did not change until XXXX XXXX and HUD said any loan pulled within 30 days of their XXXX XXXX announcement would be okay for a HERO or PACE loan. APM has elected to do neither. 

FHA SAYS I DO NOT HAVE AN FHA LOAN BUT BANKS SAY I DO This brings me to my biggest legal issue ; do I have an FHA loan or not? FHA says " no '' and I have called them twice. Another lender pulled an FHA case number for me. This means I have an uninsurable FHA loan which no one ( and I am assuming APM knows this ) else will touch because its not FHA insured in the first place. Moreover, I am supposed to have an assumable loan, which it is not, and I certainly can not apply to FHA if I have a case that is uninsured.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or a response that I classify as frivolous, XXXX Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of account : XXXX XXXX XXXX XXXX : {$3600.00}.
Product: Credit reporting or other personal consumer reports

Attached is the company 's attempt to avoid complying with my ( Certified Letter ), asking for verification in writing. They avoided my instructions by denying that any copies exist because, " an application was completed '' ( possibly because they don't know via ), " phone or internet '' as per their response ( s ) to me in the attached LETTERS below. In another response to me they are saying if I need anything else refer back to the credit agencies for more information. Totally disregarding their responsibility to me the consumer and violating consumer laws of fair treatment to consumers exposing the culture of the companies predatory practices.
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Bank account or service

I would like to make a complaint about TCF Bank, about closing my checking account and freezing my funds, and not trying to properly address my concerns or resolving the problem. My account was closed because I had ACH deposits go into my checking account for my business, and the deposits was in the name of my business, and not my personal name. The bank told me that the funds came in as tax refunds and in someone else 's name and not my name. I assured them that they was not tax refunds but business revenue for my tax preparation business, and I provided proof of that fact on more then XXXX occasion. I also have a saving account that I had opened at the same time as the checking, and had changed the name on my account with XXXX, so the funds would only come in under my name, and there would n't be a problem with me receiving my funds. The funds come from the same source, and TCF is ignoring that fact, and has not tried to verify the funds from where they came. They have repeatedly lied to me about their investigation and have not on any level to contact me, or allowed me to speak to home ever is responsible for keeping the hold on the account. They wo n't even have the courage to speak to me directly and answer any of my questions for what legal reason they have for their actions. XXXX XXXX XXXX Tax Products Group, the bank that I have a partnership with and also the source of the ACH deposits has yet to be contacted to be asked for verification of funds, and has also sent XXXX requests for the funds to be returned back to them, but their requests have also been ignored by TCF. I am being told by there customer service department, that they are waiting on the IRS to tell them what to do about the funds, but the funds did n't come from the IRS, and unless they start with the origins of where the funds came from, the IRS ca n't answer the questions of this issue, because they did n't send the funds to TCF bank. 
I am sending my business reports, as well as other documentation that I have also sent to TCF bank, that clearly should have answered the question of this problem, along with contact information and my account number for them, that they may be able to also provide verification about this the source of the funds and why I had received the funds. My account number for XXXX is also my EFIN number with the IRS, is XXXX for XXXX XXXX, of the XXXX XXXX XXXX XXXX and their contact for XXXX 's is Live Tax Professional Support : XXXX. 
I hope that I have provided enough information, and if there are more information needed, I would be more then happy to provide it when requested ....
Product: Credit card

Upon facing unemployment, I encountered difficulties in servicing my monthly financial obligations. In an endeavor to rectify the situation, I initiated communications with the credit card institution with an intent to negotiate a settlement that would allow for more manageable payments. However, with each discussion, I was met with a different justification for why such arrangements couldnt be accommodated. I was informed about a hardship program the institution had in place, which I pursued with the aspiration of settling my debt with them. Despite my repeated attempts, the institution consistently rejected my propositions to settle the account. The sole resolution offered entailed adhering to a month-to-month payment schedule, which would inevitably extend beyond the initial promotional interest rate period. 

Upon the expiration of this promotional period under the hardship program, not only would the outstanding principal amount be due, but the accumulated promotional interest would be capitalized, exacerbating my financial encumbrance. In an attempt to avoid the accrual of additional interest, I proposed to settle the outstanding amount using another credit card. This proposition was declined due to certain purported regulatory restrictions. My primary objective was to ameliorate my financial position by extinguishing this debt, thereby circumventing further interest capitalization. However, the institution seemed fixated on prolonging a payment schedule that would yield them additional interest revenues, contrary to my interests of achieving a swift and less onerous settlement. The inflexibility exhibited by the credit card institution impeded my efforts to ameliorate my financial circumstances, thereby leaving me ensnared in a protracted monthly payment arrangement, which I found to be quite unfavorable.
Product: Money transfer, virtual currency, or money service

I have a virtual line of credit with Affirm. I was approved for a purchase authorization for {$490.00} for XXXX XXXX XXXX XXXX XXXXXXXX. Three days after purchase, I learned they lied about their refund policy and filed a dispute with Affirm. I was within their guidelines and they opened a case and requested any documentation to support my claim. I submitted all my email correspondence and text messages with my explanation. They responded that I did not send what they asked for and did not investigate, and closed the case.
Product: Credit reporting or other personal consumer reports

Address are incorrect on all of my credit reports and need to be removed
Product: Money transfer, virtual currency, or money service

This complaint refers to the " Spring Challenge '' offered by Google Pay in XX/XX/2021. 

I participated in the Spring Challenge and earned 4 of the 5 reward stamps that were required to earn the {$30.00} reward offered. To earn the fifth " fox '' stamp, I made a valid transaction using Google Pay 's reward-sponsoring merchants ( specifically : XXXX ) using a credit card linked at the time to my Google Pay account with reward tracking enabled. However, Google never tracked the purchase and never awarded me my Fox stamp, despite contacting their customer support and providing screenshot evidence of the purchases being made in accordance with the terms ( curiously, the email agent asked for the screenshots, thanked me upon receipt, and then promptly ghosted me ). As such, I made purchases in anticipation of a promised reward that was then withheld from me.

I have screenshots of ( 1 ) my purchase, ( 2 ) the promotion terms, and ( 3 ) the Google customer service thread in which I submitted documentation as requested and was ghosted. In short, Google is using their good name in technology to scam their customers with this new payment product. It is unacceptable and infuriating to do this to customers, even for small amounts of money such as {$30.00}.
Product: Credit reporting or other personal consumer reports

I sent you a Letter 2 months back because you are reporting some late payments that is NOT accurate and I asked you to update these payments to ON TIME PAID AS AGREED. You seem not to understand how serious this is because you have not fixed the issue for me. Please look at this letter as it is my SECOND time notifying you of some items that are incorrect. These are not accurate on my credit reports I have listed the account name and account number below along with the dates you are reporting late and those dates need to be paid to PAID AS AGREED. 

XXXX account : XXXX XXXX XXXX- REPORTED LATE XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Been fixing my credit, had a computer problem ended up with a virus, everything got compromised and crashed in late XXXX and mid XXXX. I applied for 1 credit card and it got approved. since then waiting on some stuff to get taken off credit report i noticed some hard inquiries that i didn't make. 

XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 XXXX - Inquiry from XX/XX/2019 I need these removed!
Product: Mortgage

As Trustee for my grantor, I asked Wells Fargo to provide me with the documents including the promissory note and security agreement regarding the property they filed a lawsuit on my grantor. They responded with an acknowledgement letter but never responded.