23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied for a medical payment card in XX/XX/year> due to having XXXX and needing $ XXXX at the time of the XXXX in order to proceed. I was under the impression and advised that I would have a set interest rate on this card and would be charged on a monthly basis a finance charge until the account it paid in full. I have been making my monthly payments and got the balance down to approximately XXXX when all the sudden I went to make a payment and the balance was approximately XXXX. I had tried many times to contact someone with XXXX bank with no success. When I was finally able to speak to someone they advised that the interest was due to me being signed up for a promotion. I advised them that I would of never agreed to such promotion as I know that there was no way that I would be able to pay that balance as I am a single mother and know my finances. the woman that I spoke with advised that I was signed up for that promotion at the time I applied for the card and there was nothing that could be changed about it. I advised her that they can not just sign someone up for something without getting some kind of consent, and because I know my ability to pay, I would never agree to anything like that cause it creates a domino effect. I told her I wanted this corrected as I did not agree to this promo. she adv that I was signed up that way and they are not changing anything on my account. I am now reaching out to you as this is creating a huge financial burden and causing issues with my credit as well as getting crazy fees every month as it has taken me over the credit balance. I simply want the account changed to how it was suppose to be where the interest was charged every month starting when I first used the card and all fees waived that should of never been charged to my account, all because they set my account up in a way that was not agreed upon by me. I also had not way of knowing that there was an issue before hand as I never received statements from them in the mail like they said I was supposedly getting and threw the card away as I had no intention of using it for anything other than that XXXX
Product: Checking or savings account

On XX/XX/13, my account was closed due to fraudulent activity. I walked into my opening branch, dealt with the same banker who opened my account by name of XXXX, and closed out account. I signed papers and withdrew funds from the account being closed. After closing account, I had a balance of {$0.00} meaning I owed nothing. I just got my consumer report and it showing the status of unpaid. That is false and I have my receipt from XX/XX/13 that shows I owe nothing and account closed.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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
Product: Mortgage

I pay my homeowners insurance through my escrow account with NewRez LLC. My insurance payment is due in XXXX of every year. Last year in XXXX, I received a notice of cancellation for my homeowners policy due to non-payment. I contacted NewRez LLC and they admitted that the payment was never sent out. They overnighted a payment and my policy was reinstated. 

Today, XX/XX/XXXX, I received a call from my insurance company again letting me know that my policy was cancelled due to non payment. So I called NewRez and they again admitted to not preparing a payment to be sent out. They agreed to overnight another payment to my insurance company to ensure my policy was reinstated.
Product: Vehicle loan or lease

Over the past couple weeks I have been trying to get an auto loan. However almost every single bank has turned me down without even a counteroffer, just a denial. I have no idea why this is because my credit score is not awful its like a XXXX and I dont owe anyone any money so my DTI and my credit usage are both 0 %. So there is no reason for me to not be able to get an auto loan, Ive never had any issues up until I returned a car to XXXX XXXX XXXX where Im convinced they have put something on a portion of my credit that I am unable to see but the banks can and thats why Im getting denied like I am. I have bought over 15 cars since Ive been driving and Ive done no money down with worse credit and gotten approved but now I dont wan na do money down but I just get denied over and over, even from places that have approved me before with no or little money down and it didnt start until I dealt with XXXX XXXX XXXX XXXX This is causing me serious financial issues because I can not work without a car, and Ive tried every type of car and dealership and even the dealerships are confused as to why the banks arent countering with a down payment amount or different terms or something but they arent. Something is not right and I want it fixed. Ally continues to deny me based off of one late payment on my auto loan with then even though it was their representatives fault because he put my account info in wrong and then the payment bounced and they never called me or even returned the payment until after my grace period was over and they reported me as late. Had they let me know something was wrong or returned the payment I wouldve fixed it but I had them read my the account info used for said payment and it was incorrect meaning their rep heard me wrong or didnt hear me or check themselves to ensure it was correct but Im suffering for his negligence.
Product: Bank account or service

Huntington National Bank emailed me offering XXXX to open up an account, I decided to open up XXXX and have a settlement of XXXX directly deposited into the account. I then made an initial deposit of XXXX. The bank then did not post deposits then continued to charge me over draft fees. the Deposits then posted they credited the fees, I then went to pay for my prescriptions without notice they cancelled my account. They have left me pennyless without the life saving medication I need until the 7/10 days I receive my check from them. Hopefully by then I wo n't be hospitalized for going without my medicine for that long. I then contacted the bank and refused to tell me whats going on and required me to go into the branch, I asked for a reasonable accommodation, which at that point I believe he said I have to be " Big Man '' and deal with it. To be mocked, to be over talked was absolutely disgusting when asking for a reasonable accommodation, When asked if that 's how they treat their customers he blunted stated that I 'm not a customers. He refused to give me any information besides his name is XXXX. The phone call Started at XXXX and they hung up 20 minutes later. Without the information I needed with just them being rude working me up so much I have been XXXX since incident.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Compromised Information ( Section 605 ( b ) ) To whom may it concern : I am requesting the removal of specific information from my credit report under Section 605 ( b ) of the Fair Credit Reporting Act. This information was exposed in a data breach, compromising my personal details. I am a victim of identity theft and my information needs to be removed under Law 15USC1618, Section 605b, and Section 623 of FCRA. I also contacted XXXX and they have the incorrect birthdate listed under my information. Please investigate this matter and remove the compromised information to prevent continue potential misuse. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Mortgage

As of XX/XX/XXXX, some how my mortgage payment increased almost {$1000.00} for absolutely no reasons. The company has absolutely no communication with me. Very unacceptable. 

Turns out : Mortgage Servicing Issues : The Consumer Financial Protection Bureau ( CFPB ) investigated BSI Financial Services and found violations of federal laws, including the Consumer Financial Protection Act, Real Estate Settlement Procedures Act, and Truth in Lending Act, between XXXX and XXXX. The CFPB alleged that BSIs mortgage servicing practices were inadequate, leading to errors and inaccuracies in loan data. 

False Advertising and Illegal Loan Servicing : A class-action investigation accused BSI Financial Services of using false advertising and engaging in illegal loan servicing practices. Specifically, customers claimed that BSI did not follow the terms of home loan modifications and was unclear about its policies and regulations. 

Lack of Data Integrity : The CFPB investigation revealed that BSIs typical method for on-boarding new mortgages did not include reviewing loan data provided by prior servicers for accuracy, leading to potential errors and fraud. 

BSI Financial Services has been involved in multiple instances of financial fraud and malpractice, including mortgage servicing issues and false advertising. The companys lack of data integrity and inadequate loan servicing practices have led to errors and potential fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting Act 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING. HARD INQUIRIES 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 Department of Education all student loan accounts.

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 TransUnion mailed to me the report on its investigation of my XXXX XXXX XXXX XXXX account. TransUnion claimed that that it updated the account to Payment received : Paid as agreed. However, TransUnion has failed to update its record to include " Payment received : Paid as agreed '' the information it mailed to me in its report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  was deleted but still remains on my credit file. It was investigated and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 XXXX 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 card or prepaid card

I decide to see if I could increase my line of credit with Sync Bank on XX/XX/XXXX. I got denied and I didn't know why. When I received the letter from Sync stating that I was declined due to a credit score from XX/XX/XXXX. Neither my wife or I authorized a credit pull on XX/XX/XXXX. The score that was provide to us is not a correct credit score, we did have an issue with another set of credit cards that did hurt our credit but since XX/XX/XXXX all of these credit cards have been removed. My credit currently is between a 680-700. 

We tried to call but no one in the customer service department could explain why the my credit was pulled in XX/XX/XXXX and Sync decide to use a credit score that was over 30 days old to make a credit decision. Sync is violating the fair credit reporting act and several banking regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance : {$17000.00}
Product: Credit card or prepaid card

Ive spoken with all companies below and theyve stated they will remove any debit that occurred with them however the credit bureaus have not so im submitting this report to help remove unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on report twice ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

COLLECTIONS XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Mortgage

Wells Fargo complaint. My home was foreclosed on in 2016 because they wouldnt help me when I got divorced. This caused me to file bankruptcy too. I saw the ads for you maybe owed compensation from them but I havent saw anything, maybe because I moved so long ago that they dont forward mail from my old address anymore. I wanted more info on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, I have been reporting an Inaccurate account and unauthorized inquiries on my credit report. It has been 60 days yet I haven't seen any changes. I am disappointed of how you guys investigate my credit report as I requested last two months. How could I explain to you that these negative items reflecting in my credit report is affecting me and also the financial stability of my family. Numerous products are getting higher demand in the market and getting expensive. And due to this pandemic, several things have been added to my family 's necessities.
Product: Debt collection

On XX/XX/2021 I sent a letter to HUNTINGTON DEBT HOLDING. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Product: Credit reporting

I am trying to get a report for/ my indemnity thief report. I need for the police report and the district attorney office. I have been out of the county from XX/XX/XXXX to XX/XX/XXXX. I have given the company everything they asked for. I still ca n't get a report. Thank you.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things that are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : [ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Mortgage

This company offers you an incentive of giving you the appraisal fees returned after 3 weeks for a value of {$700.00}, and then they don't want to pay, they are rude never pick up the phone and pretend to have multiple people picking up the phone when is always the same guy. 

They made me spent months calling them every week more than 3 times a week and always telling me a different story such as " I am on a meeting '', he is not here today, " XXXX XXXX  has to pay '' of course I had to pay interests on tht aamount on my card. 

I understand that if it was my responsibility I would pay, but they offered something and lying is not tolerable. 

They tell you they are in a meeting or even blame the other companies associated with them. They couldn't not go more unprofessional and shadier.
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, there 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 lost, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Dear CFPB Staff : 1 ) I established my Square Cash App cash debit card account roughly four years ago. 

2 ) On XX/XX/2021 at or about XXXX XXXX. EST, I attempted to use my Square Cash App Card to pay for an email service. 

3 ) On XX/XX/2021, at XXXX XXXX. EST, at about XXXX XXXX EST my Square Cash App Card was frozen with a positive balance of {$300.00} 4 ) On XX/XX/2021 at XXXX XXXX EST I attempted to access my Square Cash App funds but was unable to do so. 

5 ) On XX/XX/2021 at XXXX XXXX EST I accessed my Square Cash App account via the company 's portal. The portal indicated that a fraud alert had frozen my account. 

6 ) On XX/XX/2021, at about XXXX XXXX. EST, while accessing my Square Cash App account on the portal, I informed the company that there was no fraud and that I had specifically attempted to use the card for the vendor which I named. 

7 ) My money is still not available today, XX/XX/2021. 

I am a XXXX XXXX mostly working XXXX XXXX at a XXXX XXXX XXXX XXXX and need access to my funds. I am especially concerned to see online that many other customers of Square Cash App have experienced the same inability to access their funds after notifying Square Cash App that there was no fraud on their account following a fraud hold, and specifically citing the vendor they had attempted to pay. 

I have never had my funds held by any other debit or credit card provider after directly confirming the absence of fraud and indicating the specific vendor I had attempted to pay with that caused an erroneous alert, and in every other case the hold has been instantly removed. 

I am more concerned for others who are more vulnerable than myself, as this could really be devastating for low income single parents with children. 

Thank you for your very important work. 

XXXX
Product: Credit reporting or other personal consumer reports

This is my follow up complaint i filed last XXXX days ago, My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 


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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX I was in auto accident that totaled out my vehicle. id recently filed for bankruptcy that previous XXXX XXXX XXXX. My case had not been confirmed. XXXX XXXX XXXX refused to issue me the check for the totaled out merchandise. It is now XXXX it 's still reporting on my reports and I never received funds or replacement car. With having Full auto coverage at the time of accident.
Product: Credit reporting or other personal consumer reports

Violated privacy reported late payments XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ally Invest refuses to give me my money back from my investment account. I have had funds in an Ally account since XXXX first and have never been able to invest as I wanted as there has always been an unspecified restriction on my account. Customer service reps claim to be unable to see the restriction on their end, so they have no idea what it's about. Since then I've tried to transfer some of my money back into my personal bank account to pay bills, but Ally continually fails to lift the alleged restriction. I'm told by four different reps that four different departments have worked on my problem -- including the IT department which inexplicably closes at the end of the trading day -- all of whom promise to have the issue resolved by end of day, but to no avail. My account was even completely barred from access all weekend this past weekend, so I could not so much as view it. 

Today I asked to close my account, but I'm not allowed to speak to someone in the department in charge of account closures. I'm told I can do it myself online once the original restrictions are lifted from my account ... at the end of the business day. At this point, I want all of my money back and my account closed. 

Finally, it is interesting to note that complaints about Ally Invest have spiked during the virus, according to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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