23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shortly after closing my purchase in XX/XX/2020 I received a notice that the mortgage was sold to TMS. I received a request in XX/XX/2020 to provide an updated copy of my home owners insurance policy to TMS. Their system incorrectly showed my insurance policy expiring in XXXX. The letter indicated if I did not provide a copy they would secure their own policy after 30 days. They indicated the policy would most likely be at a higher cost than if I provided insurance. After providing a duplicate copy of the current insurance policy they followed up with a 2nd letter indicating my policy did not clearly identify the replacement cost coverage of the policy. The letter asked that I " please ask your insurance agent to provide us with the replacement cost calculations for your home ''. The letter did not indicate if this was a requirement or what would happen if I did not provide that information. It had been 2 weeks since the original letter so for all I knew they needed this information or they would procure insurance and charge me. After a quick conversation with my insurance company it is very apparent that TMS should know that the XXXX would not be provided. Fearing the worst -- that this is a requirement I can't meet, and therefore TMS would be purchasing insurance on my behalf, I called TMS. After explaining the situation TMS told me that providing the XXXX was not a requirement and that they were just highlighting the fact that my insurance policy replacement cost is less than my current mortgage balance. They indicated I am no longer in jeopardy of having TMS procure insurance. It would appear that TMS is trying to use me to get information they don't have access to in order to shore up their liability balance sheet. At best their kind intentions are horribly worded. At worst they're using a letter that threatens me with higher cost insurance and coaxes me into providing proprietary information.
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER CONSUMER USA is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX  consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 
I have not initiated any transaction with SANTANDER CONSUMER USA. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with SANTANDER CONSUMER USA for review or collection.
Product: Credit card

I purchased a {$2500.00} bed from XXXX XXXX XXXX. From the beginning the bed has been defective. It sags, the side of the bed makes you lean to the right, You cannon lay flat as there is a ledge that makes you lean and fall into a hole to the right side. It is broken down. It sucks air when you stand from sitting on the side of the mattress. I have contacted them and they have sent servicemen to my house. The first man said it was bad and they would have to replace. Only to find out that his report said it was fine. He lied. The second time they came out the man measured the bed in the wrong place and would not measure where I told him the problems were. He took pictures of the wrong spot and put that in his report and said it was fine. He lied also. I contacted the XXXX rep. He said the XXXX serviceman should have known not to measure the head of the bed, That he did n't have the proper training and he would get with XXXX XXXX and have them come out and measure again and do it correctly. I just got an E-mail from him saying that he was going with XXXX XXXX 's reports and that the bed is fine. Another liar. I have contact Synchrony Bank who financed the bed through XXXX XXXX and filed a dispute wanting my money back and return the bed. They will not take any photos or information from me either. They said they will contact XXXX XXXX and wait for their reply to make a decision. Again, they will go off the reports they have and take them as correct when they are lies. When the serviceman was at my home I showed him the spots, laid on the mattress to show him how it leaned and where the hole was. He would not even acknowledge my complaints. He said I could turn the mattress. Why would he suggest turning the mattress if there was nothing wrong. I have been trying to sleep in this broken bed and want to return it and get my money back. I ca n't trust this company. They will not stand behind the warranty. I feel XXXX XXXX, XXXX and Synchrony Bank are all together and I have no representation at all. They have taken my money and left me with a defective product. As long as they keep going off the falsified reports I have been a victim of fraud. I desperately need help. Synchrony Bank told me the first time I called that I could not file a dispute and if I did n't pay for the mattress they would hold me liable and damage my credit, plus add on 29 % interest. I called later and demanded that I file a dispute, but they are only going to contact XXXX XXXX and they will be giving them the incorrect reports they filed to avoid taking this mattress back. Again, who is helping me, no representation. Three against one.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Reporting by XXXX XXXX To Whom It May Concern, I am filing a complaint regarding the continuous and erroneous reporting of my credit account by XXXX XXXX, which is reflected in my Experian credit report dated XXXX. Despite my previous disputes submitted on XX/XX/2024, and the subsequent update I received on XX/XX/2024, the account still inaccurately shows a past due amount even though it has been charged off. 

This discrepancy is not only misleading but also detrimental to my credit health. The account number in question is XXXX. I have made diligent efforts to correct this through standard dispute channels with no satisfactory resolution. 

I am seeking the CFPBs assistance in this matter to ensure that XXXX XXXX adheres to the accurate reporting standards as mandated by the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 5 ) ( A ), which requires that any inaccurate or unverifiable information be promptly deleted. 

Your immediate attention to this matter is greatly appreciated. I am looking forward to a swift resolution that corrects my credit records and upholds the integrity of the credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been experiencing extreme Identity Theft and Cyberstalking since XXXX XXXX Credit Reports have been accessed excessively via Experian. I put a Security Freeze on all my credit reports to help. 

Recently, XXXXXXXX XXXX to present, I have been trying to temporarily lift my security freezes. As soon as I go to set up the new account the security freeze has been put back on and not by me. 

Have called several times with no explanation and they claim there are no online accounts set up but that doesnt seem to be the case because I believe thats exactly how they are changing the security freeze status. 

Experian has basically refused to provide me with all my credit reporting information even though I have followed the proper procedures to request the information. They have given me repeated bogus excuses about all the activity on my report. 

I know who is doing this and need information from Experian to help get evidence. 

What kind of Criminal would put a Security Freeze back on your Credit Report,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied though XXXX & XXXX online for their 0 % credit card 18 month credit card which went through the comenity banking for their card. I was then denied the following week due to a incorrect credit score that the reported from a third party known as LexisNexis Risk Solutions. Which is not XXXX of the XXXX recognized agencies. My score was 300 points less than what the recognized agencies reported. I called the number that was provided on the letter and was told that I am wrong and that their agency reports their score 200 points less from the other agencies. I argued with them that according to the XXXX agencies which I have access to my score for free my score is a XXXX, and XXXX and the letter that I received said XXXX.
Product: Money transfer, virtual currency, or money service

I have used CashApp for more than 1 year debit card number : XXXX XXXX XXXX XXXX XX/XX/year> XXXX I was told to validate account My first name is JUST THE LETTER " XXXX '' There is no way to enter the info as the field requires XXXX letters and no symbols, XXXX XXXX XXXX' I tried their other way to verify. I send copies of dl, soc security and took fotos in their automated system. I didnt work I asked to escalate several times and was told I would receive an email. Numerous requests. No email. 

I also tried to tell them I couldnt pay back the advance as my account was locked. 

I can not transfer money in or out. 
I can not acces and use bitcoin to pay the debit or to spend elswhere. 
I have 100 % of the time paid my CashApp advance before they were due. 
No they are charging me fees when they wont let me access my money or account. 

I have literall tried more than XXXX times to validate. 

My info is good.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 
The accounts in question are below XXXX XXXXPursuant to 15 USC 1666 , late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX  This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. This is a duplicate account reporting. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 WELLS FARGO XXXX XXXX If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately. 
Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY.. 
AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY... 
Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/2020 " XXXX '' from Local Finance called my employer and told her to make sure to tell me that " because I was avoiding her ( XXXX ) phone calls she would make a point to be at my house tonight. " This was threatening and humiliating. 
I have called this company and i have gone to this company to make some kind of arrangement with them on paying my debt but they will not accept any smaller payments. They want a huge sum to even get me to move forward in the payment. I was going to bring them money on a set up time but they had called my place of employment and my cell phone 3 times before i could even get there. 
They call and leave messages at work saying where they are from and who they are and it is very embarrassing. I am doing the best that i can but at this point i can not make the huge payments they want me to make. I have been harassed and threatened and professionally humiliated. I would file a lawsuit for all of this but i do not even know where to start. Please help me. XXXX
Product: Debt collection

I previously submitted a complaint about XXXX due to incorrect information about a previously settled loan causing my credit score to drop. I was issued a settlement letter and the item was removed from my credt. As of XX/XX/XXXX my experian score dropped 28 pts and XXXX/XXXX reported the loan with XXXX $ balance as 30/60days delinquent.
Product: Credit card

Capital one the date of the first delinquency does not match the date I have under 15 USC 1681 B E you must provide maximum possible accuracy and im taking into consideration the CFPB is suing you as well Im also requesting full disclosure of the CMI of my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint to follow up the most recent CFPB complaint I previously submitted dated XX/XX/2022. I also sent dispute letters addressed to the Credit Bureuas last XX/XX/2022 with complete attachments pf my presonal information such s my driver 's license, and my SSN, I also attached the ID THEFT REPORT I received from the FTC. I have read that the Credit Reporting Bureaus are required to remove any account and information that resulted due to idetity theft within 4 business days. Under the FCRA section 605b, I need the following items deleted as soon as possible. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action and sue the Credit Bureaus for the damages done on my Credit File. Once again, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$9000.00} XXXX XXXXXXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX CARD XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}
Product: Credit card or prepaid card

I have a Chase Sapphire Reserved Card, and the payment is due the first of the month. To pay the bill, I can go through the Chase credit card website and it automatically draws the payment from my Bank Account. The payment normally takes several hours to be completed, although they do state that it can take up to two business days. I normally schedule the payment two days in advance of when my payment is due to ensure that it is received on time, taking into account weekends and how many business days there are before the first of the month. 

I have made payments for this credit card on time for every single month. However, on at least four instances, the credit card is saying payments have been late, and they charge a late fee and interest charge. For the first two instances, I know I made the payments on time, but the company said it was posted late and so they charged fees. When I found out, I called the credit card company and spoke to their customer service representative, and eventually after talking to supervisors they acknowledged that their system inappropriately delayed when the payment was shown as posting, and so they refunded the late fees and interest charged. More recently for this past XXXX, it occurred again. And then for XXXX, I went online and made the payment, but when I got my statement for XXXX recently, it's saying that the payment was never received and so it charged late fees and interested for both XXXX and XXXX. I am tying to talk to them to get them to address these situations as well and am hoping they will resolve it, but it's now seeming to be a pattern. And I have heard from others who have this credit card ( and other credit cards ) that they experience this as well. I don't know if it's just errors in these companies ' systems, or if it is purposeful as a way for them to collect late fees and interest charges from unsuspecting customers. I am lucky in that I am familiar with consumer protections laws and so know how to call them and challenge them, but I worry that many consumers won't notice or won't know how to challenge them and so just pay them. I am wondering if others have complained about this to CFPB and so perhaps it is in fact a pattern that requires investigation? Thank you for your time and consideration, and for all you do to help protect consumers across the country.
Product: Credit card

I charged around {$54.00} on a Home Depot card. I paid {$35.00} on the card prior to receiveing the bill. They charged me a {$36.00} fee because I did not pay after I received the bill. I paid the finance charge and balance off because I was really mad. It was paid by electronic transfer by the due date. They charged be another {$36.00} fee saying it was a day late, but that 's not what the EFT from my bank says. Home Depot is trying to charge me {$75.00} fee on a {$54.00} purchase even though I paid in advance and on time.
Product: Credit reporting or other personal consumer reports

Hello Discover, I have filed a complaint with the CFPB regarding the account Discover ( XXXX ). Discover is reporting derogatory information regarding a credit card account to ALL 3 of my credit bureaus. I mailed Discover certified letters requesting a signed contract for this account. When I did not receive a response I followed up and called Discover. Discover claims they never received my request even though the tracking number for each certified letter indicates both certified letters have been received. I have made both written & verbal request for a SIGNED CONTRACT for the credit card account. Discover refuses to send me this requested document. The only thing Discover has provided to me were outstanding monthly bills & a general Customer Agreement not specific to the credit card account they are reporting to my credit file. In fact it is the same general Customer service agreement they have listed on Discover 's website, the website also makes reference to there being a Credit Card agreement for " your accounts '', which I am assuming that there should be specific terms agreed upon for each account specifically. I spoke with a customer service agent & she stated not all accounts have signed contracts & she could not provide me with one for the reported credit card account. I asked " if there is no signed contract outlining the specific terms to either account how did a agree to something blindly? '' Of course she had no response other than there is no signed contract/ agreement documentation showing I agreed to either credit card account. I work in privacy & compliance and know the implications a company can incur for failure to adhere to privacy laws. With the rise in data breaches and identity theft providing me with billing statements & a general customer agreement are not acceptable. I demand immediate removal of this account from all 3 of my credit bureaus. I will continue to document my efforts, update the CFPB on the status of my complaint & utilize any legal rights I have. Prolonging this is only showing Discover is refusing and willfully not complying with the privacy laws.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the consumer financial protection act specifically, Cash App failed to take timely and effective measures to prevent an 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 and resolution requirements under the electronic fund transfer act & regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

Capital One is withholding my deposit I was to receive my employer for my biweekly pay check. I live pay check to pay check unfortunately and now, my land lord is threatening to kick me out ( was due week of XXXX ) and im late with all my bills.
Product: Credit card or prepaid card

Chase unfairly without any rational basis reduced my credit limit from {$13000.00} on my Chase Southwest Visa to {$6200.00}, even when every single payment I have made has been prompt, on time and in accordance with my contractual agreement with them. They unfairly reduced my credit line causing significant logistical harm to my family forcing to need to change automatic payment methods for various service providers. They reduced my limit without any notice and when I called them to correct this harsh, unfair and ruthless action without legitimate justification they doubled down on their misconduct and maliciousness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted CFPB complaints to Experian on XX/XX/2022, XX/XX/2022, as well as a XXXX XXXX XXXX  Complaint on XX/XX/2022, and a FTC complaint on XX/XX/2022. I've also mailed numerous written disputes to Experian via certified mail, online via Experian 's website, and over the phone with Experian to no avail. On XX/XX/2022, Experian received and signed for a notice requesting the method of verification they used to reinvestigate my disputes, and I've yet to receive that information. Pursuant to 15 USC 1681 ( a ) ( 3 ), assumed their role in assembling and evaluating consumer credit and other info on consumers, I never gave Experian permission or consent to report anything about me on any consumer report. 15 USC 1681 ( a ) ( 4 ) states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian 's consume report about me is unfair & impartial because I was never consulted to verify if the information was accurate or if even wanted the info reported at all. Experian hasn't exercised their grave responsibilities as evidenced by the hundreds of inquires they've allowed into my consumer report, as well as the continuous reporting of unverified accounts on my consumer report. Experian has shown a complete lack of respect for my right to privacy, by reporting these accounts and inquiries without my consent & written instructions. These actions by Experian are also violations of the Gramm-Leach-Bliley Act, referenced by 15 USC 6801 and 15 USC 6802.
Product: Checking or savings account

Yesterday ( XX/XX/XXXX ) I transferred {$7000.00} from my Sofi Invest account into my Sofi Money account. Soon after noticing the completed transaction - my Sofi Money account had a status of 'in review ' - my account is frozen I can't move money or spend money. I have not been able to reach any one on the phone. This is ridiculous. I have bills to pay!
Product: Credit reporting or other personal consumer reports

Hi Experian , I RECEIVED A COPY OF MY CREDIT REPORT AND  I SEE  THIS FRAUD ACCOUNT THAT NOT BELONG TO ME  .
THIS XXXX XXXX XXXX XXXX XXXX XXXX  IS WHERE THE FRAUD CREDIT CARD IS ATTACHED AND THAT IS NOT MY ADDRESS.

DELETE THIS FRAUD ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IS FRAUD AND THE CREDITOR AGREED TO DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT . 

ACCOUNT BALANCE IS XXXX AND I NEVER KNOW ANYTHING ABOUT THIS CREDIT CARD .