23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Wells Fargo only allowed me 15-16 months of forebearance instead of the 18 I should be eligible for. My last call to them I was put on hold for 30 minutes and never received any answer regarding the problem. I have had XXXX XXXX times and was XXXX XXXX times in the last XXXX XXXX I should be given the additional XXXX months of forbearance and can bring the account totally current in that time with no issue. I also will have increased income starting this month and will be able to fix up the property to sell it if needed or wanted by myself. 
I request the sale date be moved out 60 days so I can bring the account current and also have the opportunity to benefit from my $ XXXX in equity by selling or refinancing the property. 
My credit score is up over XXXX points in the last 90 days as well. I want to salvage this loan or refinance it to continue my upward momentum in terms of my credit score. 
This loan is XXXX or XXXX backed. Please have Wells Fargo give me the additional time to get this loan current. I currently have a good chunk of the reinstatement amount available and will have all of it within XXXX days with no issue. 

Thank you for your time, patience and assistance!
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 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 errors 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: Credit reporting or other personal consumer reports

I am filing this complaint to address TransUnions failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to a recent dispute I submitted regarding inquiries on my credit report. TransUnion has failed to verify the accuracy of the information I disputed and continues to report inaccurate, incomplete, or unverifiable information. 

Background : I recently filed a dispute with TransUnion regarding multiple inquiries on my credit report, requesting verification that these inquiries were made with my authorization or under a permissible purpose, as required by the FCRA ( 15 U.S.C. 1681b ).

In response, TransUnion sent me a letter explaining that inquiries remain on my report for two years and suggested I contact the companies responsible for the inquiries directly. TransUnion also provided a generic description of their dispute procedure, stating that they contact the data furnisher to verify the information, update their records accordingly, and send me the results of the investigation. 

Issue : TransUnions response is inadequate and fails to meet their obligations under the FCRA. Specifically : 1. Failure to Provide Verification : Simply sending a letter explaining their general process does not satisfy their duty to conduct a reasonable investigation under 15 U.S.C. 1681i. TransUnion has provided no evidence or documentation proving that the inquiries were made with permissible purpose or my consent.

2. Inaccurate and Unverified Reporting : TransUnion continues to report inquiries that they know are inaccurate, incomplete, or can not be verified. This is a direct violation of their responsibilities under the FCRA, which requires that credit reporting agencies report only accurate and fully verifiable information.

3. Shifting the Burden : By suggesting that I contact the companies directly, TransUnion is effectively shifting their responsibility to me. The FCRA requires credit reporting agencies to verify the disputed information themselves, not to rely solely on the statements of the furnisher or pass the burden of proof onto the consumer. 

FCRA Violations : TransUnions actions ( and inaction ) represent the following violations of the FCRA : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ) : TransUnion did not properly verify whether the disputed inquiries were made with permissible purpose, nor did they remove the inquiries when unable to verify them.

Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) : TransUnion is knowingly lol reporting inaccurate or unverifiable information.

Failure to Verify or Correct Information ( 15 U.S.C. 1681s-2 ( b ) ) : TransUnion failed to remove the disputed inquiries or provide documentation proving their accuracy and permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I dont have any bank accounts and Ive been out of the country for years. The only car loan Ive ever had was from XXXX. THE ONLY ADDRESS IVE EVER HAD WAS XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. The only company I have ever worked for and are presently working for is XXXX XXXX. The only telephone number I have is XXXX. Its been over two months and each company is in violation of my rights. If what I requested is not removed I will take matters up in a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX XXXX  Bankruptcy XXXX XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX I am reporting a fraudulent inquiry found in my credit report
Product: Credit card or prepaid card

Credit Account with First National Bank of Omaha incorrectly froze account despite on-time payments, because of accidental payment from incorrect account. After fixing the issue, was told account would be unfrozen ( despite that it should never have been froze in the first place ) then told it would be unfrozen after 3 consecutive payments, now being told to wait till XXXX. Despite being told it would be ok on XX/XX/26 then XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX  XXXX  XXXX  Original creditor : XXXX UNIVERSITY  {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.
Product: Credit card or prepaid card

On XX/XX/XXXX I called Chase bank on my XXXX XXXX XXXX XXXX card. I had booked a trip that previous XXXX using my card and points. Part of the the XXXX card benefit is a first checked bag fee waiver for 2 flyers. I knew my annual fee of {$95.00} would be coming out in XX/XX/XXXX, so I called in to ask specifically about how changing my card to the lower, no annual fee, tier level would effect my already booked trip. The reason I asked was if the bags were going to be free, I would downgrade. If not, and knowing I'd have more than 2 bags for my family, I would rather pay the {$95.00} annual fee vs. the cost of 4 total bags at {$140.00}. The service rep specifically told me my bags would be free even if I downgraded since that trip was already booked back in XX/XX/XXXX using the higher tier card. After confirming again with the customer service agent, I requested to downgrade. On XX/XX/XXXX I arrived at the airport to find out that the bags weren't free and I owed {$70.00} each way for a total of {$140.00}. I paid it so as not to be stuck at check in. When I got home, I called Chase back on XX/XX/XXXX. I explained what I was told and requested a {$45.00} credit. The difference of {$140.00} that I paid and the {$95.00} annual fee I would have paid. I was denied up front, so I requested a manager to put in an investigation and to listen to the recorded call on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from Chase informing me that they confirmed their customer service agent informed me that I would have no bag fees, but that they could not credit the account and referred me to another mailing I would receive with the terms and conditions of the lower tiered card.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against cash app ( BLOCK INC ) due to inadequate customer service and unfair practices, which violates the customer 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 did not comply with EFTA. Actions caused significant inconvenience and financial loss and I seek appropriate redress for violation
Product: Checking or savings account

This complaint is a supplement to Complaint # XXXX that was filed with the CFPB. I do not find the company response to the complaint satisfactory, especially in light of the CFPB 's recent actions against Bank of America 's practices, including, but not limited to employees of BOA opening up accounts in people 's name. It was never satisfactorily explained to me why BOA allows individuals to open up bank accounts using stolen information without requiring verification on teh front end ( as other banks do - like XXXX XXXX ). Of course, I am not privy to their internal information, but I believe that this account opened in my name may be an internal employee fraud that is the subject of the consent order. Again, I have been paying for LifeLine since this incident occured at {$39.00} per month, and I request that BOA reimburse me for these expenses. LifeLine was not needed until my information was stolen and account opened in my name.
Product: Credit card

For my Care Credit Rewards Mastercard my XXXX statement showed a balance of {$600.00}. 
I had an interest deferred amount of {$360.00} - expiring on XX/XX/ I also had 2 standard purchase transactions totaling {$240.00}. 

I sent payment of {$300.00} of which {$240.00} would cover my standard purchases and {$60.00} would go toward my interest deferred amount of {$360.00}. ( I then planned on paying off the balance of the interest deferred amount ( {$300.00} ) before the due date of XX/XX/XXXX ) However, the company instead moved one of my standard purchases under " promotional '' and did not use the money to pay it off and then put an extra amount towards my interest deferred account and then charged me an interest charge of {$8.00}. 

I have had multiple interest deferred transactions in the past and have never had an issue with the money being allocated properly. Every statement I total my current standard purchases and pay those in full, and then I put what I can toward an interest deferred amount until I can pay it off in full before the promotion expires. 

I am not sure what happened this time. However I do not feel that I should pay the interest charge of {$8.00}. I tried numerous times to contact the company to resolve and have not been able to.
Product: Debt collection

This complaint is a follow on from a previous complaint # XXXX. That complaint detailed an illegitimate debt collection from a collection agency on a card that was issued by American Express. That agency apparently is no longer involved. Recently I was contacted by another collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX to whom collection of that debt was recently transferred. After receiving a notification letter of an attempt to collect a debt I immediately contacted them XXXX and notified them that I was not responsible for any unpaid balance on an American Express card. 

The card account in question ending in XXXX was issued to XXXX XXXX XXXX XXXX XXXX. I was a XXXX of this business which is a corporation. The business suffered financial collapse in 2017 and has subsequently been dissolved. I have never personally been issued an American express card, however XXXX is now attempting to collect this unpaid balance ( on behalf of AMEX ). This is illegitimate collection effort. A corporation serves to provide a barrier between actions of the corporation and the owners. Debts owed by the corporation are not transferable to the individual owners. I notified XXXX about the circumstances of this debt and demanded that they provide some form of documentation demonstrating that I was responsible for this debt, otherwise they should immediately cease all collection efforts. No documentation was ever provided. I again contacted XXXX to request cessation of their efforts but they failed to respond. Their collection efforts continue to occur.
Product: Credit card or prepaid card

I have contacted capital one on multiple occasions regarding 3 separate credit card accounts that were opened in my name fraudulently and have provided police reports and additional documentation that validate that I did not apply for or use these cards, and each time they have come back and stated that the cards were not opened fraudulently and continue to hold me liable for the charges, damaging my credit
Product: Debt collection

I have been a victim of identity theft for years now, there has been a recent reporting of " A XXXX XXXX XXXX '' that I have not applied for. On recent credit report their is an assigned date and no collection date. I have not received any billings or correspondence from said " XXXX XXXX XXXX '' I have uploaded an affidavit proving my various instances of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal dispute to XXXX regarding multiple inaccuracies in my credit report related to accounts under XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX. The total balance, payment histories, account status, and remarks have been inconsistently reported across XXXX, XXXX, and Equifax. 

Some actions I took to address this issue include : Reviewing the credit report and identifying discrepancies across the accounts in question, including balance inconsistencies, conflicting payment statuses, and discrepancies in account activity dates. 
Issuing a dispute letter to XXXX, detailing the specific inaccuracies in each account and citing my rights under the Fair Credit Reporting Act ( FCRA ) to demand an investigation and resolution. 
Requesting that XXXX validate and verify the information, along with the names and contact details of individuals responsible for certifying the accuracy of the data. 
The amounts in question include discrepancies such as a balance of {$290.00} reported by XXXX, while XXXX listed the balance as {$0.00}. The discrepancies span across multiple accounts with varying amounts reported by different credit bureaus, which jeopardize the accuracy of my credit profile. 

I request that these companies review and correct these discrepancies as per the FCRA guidelines to ensure accuracy in the reporting process. Please provide me with the outcome of the investigation and any necessary corrections. 

Thank you for addressing this issue promptly.
Product: Payday loan, title loan, or personal loan

Acct ending in XXXX was paid in full on XX/XX/XXXX at XXXX am. Confirmation number XXXX for XXXX XXXX in XXXX KY. On that day he signed over and legally notarized the bike to us. As of yet we can not get the Harley fiance department to release the lien. We have called a number of times. They claim they sent a letter XX/XX/XXXX but yet he has not rec 'd anything. He allowed us to talk to the bank and give his permission to release anything to us. We ask that just lien release letter be sent to our BMV  so we can get the proper title. Right now because they refuse to do anything on a bike they no longer have interest in we are forced to take money our of our 401K which we will be hit with serve pentalty at the end of the year, until we get the title correct we have to pay off the entire bike with the loan we have. I want a lien release letter sent to our BMV  and to be refunded any money we lose due to their unwillingness to release the title when we have a legal document showing the bike is ours not. We have 3 days to fix this until we have to take your 401K money out which will cost us {$7700.00} in taxes that I will need refund to me and all the extra interest I am paying!
Product: Credit card or prepaid card

American Express has been letting a ring of thieves charge my old card number which expired years ago. They have submitted thousands of charges that appear as non-US XXXX locations on my bill, that appear to be either from XXXX, the XXXX, XXXX XXXX, etc. I have spent 50+ hours since XX/XX/XXXX on the phone with Amex Customer Service and Amex Fraud Dept . They can not get the amount of the credits right. They credited me {$770.00} for the XX/XX/XXXX-XX/XX/XXXX statement, but the fraudulent charges are more than {$2100.00} on my bill. I need your organization to make them stop the insanity of this and do a full audit on all of the fraudulent charges, and give me the full amount of credits that I deserve.
Product: Checking or savings account

I tried to link my PNC account with another bank account online. But. PNC does not allow me to do so even though I have been verified as the owner of this PNC account many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my credit report to this complaint to show that you are reporting an inaccurate account on my credit report. The account XXXX XXXXXXXX is more than 7 years old, and it was transferred to another lender. This account was to be removed XX/XX/XXXX, so why is it still reporting on my credit report? You are also reporting the XXXX as XX/XX/XXXX which is incorrect and another violation. XXXX has removed this account, but your company has failed to do so and ignored my initial dispute letter. I am requesting the removal of this account immediately from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Equifax via certified mail and via telephone about unauthorized inquiries on my consumer report was told that they would not be removed because companies can authorize reports as needed. The companies in question I have not approved nor do I have business with. It is illegal and needs to be fixed asap.