23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am sending this complaint to address the incorrect items on my account. The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was TransUnion incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. Have these following items be removed accordingly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX : {$120.00} XXXX Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Bank account or service

I have an XXXX XXXX XXXX Pre-paid card. This card allows you to " load '' funds to the card online using your debit card. I have done this for years with my credit union debit card and not had an issue. I am now primarily using TCF Bank as it is more convenient than my credit union, and attempted to " load '' funds to my XXXX XXXX XXXX Pre-paid card. Unfortunately, TCF Bank has chosen to block these transactions " for the safety & security '' of my account ( or so I 'm told ). TCF Bank should not be allowed to block these transactions. My assumption is that these transactions were blocked by TCF Bank because it allows their customers to bypass their fee structure. By loading money to this XXXX XXXX card, I am able to withdraw from thousands of ATM 's nationwide free of charge. With TCF, I am charged {$3.00} if I use an ATM outside of TCF 's network. Additionally, TCF has their own prepaid card. Are these transactions really blocked because they want you to use their card? 

I was offered an alternative by a phone banker that I could use ACH to transfer funds to my XXXX XXXX card. Unfortunately, this wo n't work for me for XXXX reasons : 1 ) XXXX XXXX XXXX no longer allows transfers using ACH TO my card, only to withdraw from my card. 2 ) If it did, it would take several business days. The whole point of using my debit card is to load the funds so they are available immediately.
Product: Debt collection

Obtained false auto insurance under my name, then added a user to the account and provided insurance to them for a XXXX XXXX  and paid all the cost and fees with a bad bank account. That is the summary of what happened as I have done my research on this issue and it was Identity theft because I have not asked this company to insure any vehicles for me I only use XXXX  XXXX XXXX and how could it be possible to owe progressive if I have active insurance as of todays date XX/XX/year> how would that be possible I have attached my current XXXX  XXXX  current as of today so how could I owe them if I have insurance today that was a result of identity theft and I desire it to be removed immediately
Product: Debt collection

I am a victim of identity theft and had an unlawful inquiry reported on my credit. Transunion, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. I have already filed an identity theft report with the Federal Trade Commission and have sent a copy of the report in the mail to Transunion. Remove and delete this inquiry off of my credit report : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. I also submitted a request for a verification of debt/contract and have had no response. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX  XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

so many problems with Ally ... where do I begin? 

( Note that there are numerous problems with Ally, but the CFPB complaint form only allowed me to choose one account and one problem ) 1. Scam : a. I received a phone call ( allegedly from XXXX at Ally Executive Customer Relations ) and email telling me to call a phone number that I don't know ( XXXX ). I XXXX called that number and left a message - then later I searched for the number online and it's high risk of spam. On XX/XX/XXXX I messaged Ally through their website " I received a phone call from a number caller ID calls " SPAM RISK '' asking me to contact Ally. Also an email... Please communicate only via this online Secure Message system, so that I can be sure it isn't a scam... And if you need to tell me something ... what do you need to tell me? '' I have never heard back from Ally - not in response to the voicemail I left, and no response to the message I sent through their website. b. So was it Ally who called / emailed, or not? c. And if so - what does Ally want? Per my message - Ally should communicate ONLY through their website so I know it's really them. d. And if it wasn't Ally who called & emailed - how did the scammer get my information? 
2. MAJOR problems with debit card : a. They cancelled my debit card without telling me- this could have caused a very embarrassing or even legal problem if I were unable to pay for my meal. I have a new debit card now so this is no longer an issue for me- but the fact that they will cancel a debit card without informing the customer IS an issue. 
b. They allegedly sent me two debit cards which I did not receive. NOTHING should be mailed to my street address EVER. That's why I have a separate MAILING address. Even though thecards have been cancelled, there are still questions : What address did they send them to? And why didn't I receive them? As I have messaged Ally, I was a victim of identity theft- do they have another address for me? Did somebody hack my info? 
c. As I messaged Ally on XX/XX/XXXX through their web sitebut they have ignored my message - when I FINALLY received my debit card, I was unable to use the toll-free phone number on the card to activate it, as it would bring me to an endless loop of voice messages. ( I finally was able to activate it using their phone number for out-of-country phone calls. 
3. Retirement account : a. They have yet to answer my question about what KIND of retirement accountwas my XXXX account, and they refuse to answer - onlystating that it is a retirement account ( duh ) but not telling me what kind ( IRA? Roth IRA? Other? ) 4. Checks a. I ordered ten checks- and received 20 checks with the wrong starting number. So far this has not caused problems, but it's yet another example of their incompetence.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 THERE WERE COLLECTION ACCOUNT ADDED & DEROGATORY MARK ON MY CREDIT REPORT PER EXPERIAN. XXXX XXXX XXXX I DISPUTED THESE ITEMS AND STATED INFORMED EXPERIAN THAT THESE ACCOUNTS WERE NOT MINE AND SHOULD BE REMOVED/DELETED/ UPON FURTHER RESEARCH THE ACCOUNT WAS TRANSFERRED AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT, DEBTOR CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO THERE WAS NO FORM OF WRITTEN COMMUNICATION, CONTRACT OR SIGNATURE FOR THIS ALLEGED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANYBODY CAN SNED A BILL AND SAY ITS MINE. ACCORDING TO THE FCRA EXPERIAN HAS VIOLATED MY RIGHTS AS A CONSUMER AND IM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Product: Credit card or prepaid card

First progress credit card company closed my account and never returned my security deposit of XXXX dollars After I rescission of contract because an unauthorized user found my card and accessed my funds this is a breach of contract and I deserve monetary relief for damages and my security deposit returned
Product: Credit card or prepaid card

I paid off my American Express card in XXXX on XXXX. Check my accounts for months to make sure there was no surprises. Got a bill from American Express yesterday stating that we owed them {$190.00} due to 2 charges made on the card. One charge was made on XX/XX/XXXX for {$29.00} and the other charge was made on XX/XX/XXXX for {$4.00}. The other {$150.00} is late charges and interest. We called American and explained that we did not charge these amounts and we have not used the card since we paid it off in XXXX of XXXX. They were unwilling to help us in anyway.
Product: Mortgage

At all times relevant hereto, Mr. Cooper acted through its designated servicing agent, XXXX XXXX ( XXXX ). XXXX serviced my loan from XX/XX/XXXXXXXX XXXXXX/XX/XXXX and during the period on an after XX/XX/XXXX acted on behalf of Mr. Cooper. On XX/XX/XXXX, I advised XXXX to NOT pay any invoices from XXXX for homeowner policy Number XXXX the amount of {$5200.00}. I advised XXXX that I had secured insurance coverage through XXXX XXXX. I advised XXXX that it would receive an invoice from XXXX, which should be paid. XXXX on either policy didn't become effective until XX/XX/XXXX. I was advised by XXXX as agent for Mr. Cooper that XXXX would not pay the XXXX XXXX invoice but would pay the XXXX  invoice. 

Without my knowledge and contrary to the representations above, XXXX in fact paid BOTH the XXXX XXXX XXXX XXXX invoices. XXXX failed to advise me of the XXXX XXXX payment that I expressly did not authorize. 

I didn't become aware of the improper payment to XXXX XXXX until after XX/XX/XXXXXXXX Upon inquiry to XXXX, XXXX advised : We have completed our research and determined an error occurred. Upon further review, you spoke with our Insurance Department on XX/XX/XXXX, advising us that you changed your homeowners insurance company from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and to not issue a payment ; however, a payment in the amount of {$5200.00} was already pending due to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX sending us a renewal on XX/XX/XXXX. Per our policy, we pay one month in advance, but during this phone call, it was not communicated to you at that time that there was a pending payment. 

Thereafter, I requested that the XXXX XXXX policy be cancelled flat since coverage was in effect at all times through XXXX. XXXX XXXX refused to cancel flat but reimbursed {$900.00} as a partial refund / cancellation. 

Mr. Cooper as principal for XXXX is responsible for reimbursing me or my escrow account the difference, {$4300.00} for the unauthorized escrow payment to XXXXXXXX XXXX  / improper failure to notify me that payment had been made despite the fact that XXXX represented that no payment would be made to 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( 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: Credit card

Subject : Issue with Missing Welcoming Bonus Rewards Points on XXXX XXXX XXXX XXXX  I am writing to report an ongoing issue regarding the missing bonus rewards points on my XXXX XXXX XXXX XXXX  The credit card was opened on XX/XX/, under the promotion that I would receive XXXX bonus points if I spent {$3000.00} within the first 3 months. 

From my perspective, I took active measures to ensure I qualified for the bonus points. Starting from XX/XX/XXXX to XX/XX/, I contacted Wells Fargo and XXXX XXXX  multiple times via phone calls and email communication ( with evidence base ). During these interactions, I was consistently informed that I qualified for the XXXX points and that it would take 8-12 weeks for the points to be credited since XX/XX/. To ensure proper documentation, I also sent an email as evidence of our conversations. 

Despite my efforts, each time I reached out, I was either transferred to different departments or told that I was indeed qualified for the points. I persisted in my attempts to resolve the issue, hoping that the points would be credited. However, on XX/XX/, I decided to visit a physical store location and personally spoke with an agent to seek assistance in filing a case. To my surprise, after a week, I was told that I did not qualify for the points after they investigated my case. 

I want to emphasize that I spent more than {$3000.00} within the specified timeframe, which should have met the spending requirement to qualify for the bonus points. However, despite my expenditures exceeding the necessary threshold, the company stated that only {$2500.00} qualified for the promotion. 

However, I would like to emphasize that if I had been notified of my disqualification at the time of my active inquiry, I would have been able to effortlessly complete the required expenses for the promotion. 

This discrepancy between my actual spending and the amount they deemed eligible raises concerns about their communication and adherence to the terms and conditions of the promotion. It suggests a lack of transparency and clarity regarding how they determine qualified spending. 

I kindly request your assistance in addressing this matter and resolving the issue of the missing bonus reward points. I believe that the discrepancy lies in the miscommunication and contradictory information provided by Wells Fargo and XXXX XXXX. 

Thank you for your attention to this matter. Please let me know if any additional information is required to initiate an investigation or provide resolution.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, XXXX, VA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA, XXXX XXXX Account Number XXXX Date XXXX : XX/XX/XXXX Balance : {$1200.00} - Charge Off XXXX XXXX XXXX ( Original XXXX : XXXX XXXX ) Account Number XXXX Date Open : XX/XX/XXXX Balance $ XXXX Collection - Negative accounts NOT included in Dispute : XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$600.00} - Late/Open XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$420.00} - Late/Open XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : {$70.00} - Late/Open XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Balance : {$160.00} - Late/Open
Product: Credit reporting

I mailed a dispute to Transunion dated XX/XX/2016. Since that time I was under the impression that my disputes were being investigated but I received a letter from Transuion a few days ago dated XX/XX/2016 informing me that they needed proof of identification when I sent in with my dispute.
Product: Debt collection

My husband, father and I are being harassed by XXXX from Pioneer Credit Recovery. The phone number is XXXX. 

The person is trying to find someone else -- someone who does n't and never has lived with us. The continually call and leave messages on our home number and cell phones.
Product: Mortgage

On numerous occasions, I have tried to communicate to the creditor in XXXX, XXXX and XX/XX/XXXX, as well as the reporting agencies that my credit report is showing that I was late on my monthly payment for XXXX, XXXX and XXXX of XXXX. I was coming out of forbearance, and my loan modification contract agreement was adjusted for me to start my first payment on XXXX XXXX, XXXX, per my agreement letter attached. I am requesting that these " late payment '' statements be reviewed as soon as possible and corrected and deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending multiple letters from XX/XX/XXXX to XX/XX/XXXX to the Credit Bureaus, requesting the verification and removal of the fraudulent information I found on my Credit Report. The Credit Bureaus seemed to not fully understand that I want the Fraudulent Items completely removed from my Credit File. I recognize the efforts made by the Credit Bureaus in removing some of the fraudulent items from my Credit but I see here that there are some items that should also be removed as they too are the results of such crime. Once again, I was a victim of Identity Theft and the accounts and items I am disputing were never mine neither authorized be me. I never received any benefits from the theft of my identity. Pursuant of FCRA section 605b, I am formally requesting that the Credit Bureaus include the following fraudulent items to be removed from my Credit report : XXXX, XXXX, XXXX 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 XXXXXXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been having problems with Filling taxes and my credit report.
Product: Consumer Loan

On XX/XX/XXXX, I went to the payment office at JD Byrider at XXXX, ohio XXXX. I have been a paying customer there for 3 years, I am purchasing 2005, chev cavalier. ( my payment was refused ) The total amount of my loan was {$12000.00} plus mis fees and interest. My loan is now under {$2500.00}. At this time I have been making double payments due to some missed payments in the past. The contract is written to pay {$180.00} biweekly. For the past several payments I have paid {$360.00} every 2 wks to get caught up. This day on XX/XX/XXXX I only had {$300.00} to pay, however, my payment was refused all together, I was asked where is the car they are coming to repo it. Due to the fact I have been making double payments in the past no payment no matter what amount I have should be refused. 
I said so you are refusing my payment and the lady said yes we are reposing the vehicle. 
Since I have purchased another vehicle, I am making 2 car payments a month totaling over {$600.00}. The reason I still have the car from jd byrider is because it is not worth what is owed and when I purchased my new car they would not take my car as trade in they stated not worth the hassle.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Subject : Formal Demand for Immediate Deletion of Student Loan Account Due to Unauthorized Data Breach To Whom It May Concern, It is imperative that the student loan account listed under my credit report, which has been compromised due to unauthorized access by the Department of Government Efficiency ( DOGE ) in direct violation of federal privacy laws, including the Family Education Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), be immediately removed.

Recent reports from AP News and Politico confirm that DOGE accessed sensitive borrower data without consent, violating my rights under FERPA, which strictly prohibits unauthorized disclosure of student loan information. Furthermore, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), any account containing inaccurate, fraudulent, or illegally accessed information must be deleted immediately upon dispute. The Department of Education 's failure to safeguard my personal information renders this loan unenforceable and illegitimate.

Additionally, under TransUnion LLC v. Ramirez, 141 S. Ct. 2190 ( 2021 ), any credit report containing inaccurate or misleading information violates consumer rights and subjects the reporting agency to liability. Suppose this account is not deleted within 30 days. In that case, I will pursue legal action for damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by Cahlin v. General Motors Acceptance Corp., 936 F.2d 1151 ( 11th Cir. 1991 ). 
This dispute is not subject to verification with the furnisher, as the data breach voids any legitimate ownership of the account. Failure to delete the account will result in immediate legal action, including but not limited to complaints to the CFPB, FTC, and state attorney general, and demand for substantial financial compensation for the damages incurred, including but not limited to the maximum damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by Cahlin v. General Motors Acceptance Corp., 936 F. 2d 1151 ( 11th Cir. 1991 ). 
You must delete this account immediately and confirm in writing within 30 days. I can not stress enough the urgency and importance of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Consumer reporting Agency is reporting my Name inaccurately, Social security # and Date of Birth is being reported incorrectly, compromises my personal information, to the extent that it may be used in the dark web