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

XXXX 2019, I called in and advised XXXX XXXX I was moving permanently. They promised me not to charge late fees and allowed me to skip a payment. In XXXX of this year, this city was shut down due to Corona. I called in and was advised no payment would be due and I would not be reported as late. I made the payments as agreed, they are now saying there is no record of a call. I was promised 3 late fee waivers that never were credited. Now in checking my credit report, they are reporting late payments and reduced my credit limit.
Product: Credit reporting or other personal consumer reports

I am writing a formal complaint against TransUnionor their deceptive practices and failure to remove inaccurate and unverifiable negative accounts from my credit report. The Bureau 's recent order against TransUnion, issued on XX/XX/2023, provides clear evidence of their violations of consumer rights and regulatory requirements. 

According to the Bureau 's findings, TransUnion has engaged in deceptive practices by failing to place or remove security freezes and locks on consumers ' credit reports in a timely manner. This failure has affected tens of thousands of consumers, including vulnerable individuals, for an extended period of time. 

As an affected consumer, I have personally experienced the detrimental effects of TransUnion 's deceptive practices. Despite bringing the inaccurate and unverifiable negative accounts to their attention and requesting their immediate removal, TransUnion has failed to take appropriate action. These negative accounts continue to hinder my ability to obtain credit and secure housing, causing significant financial and personal distress. 

I kindly request the Consumer Financial Protection Bureau to investigate my complaint thoroughly and hold TransUnion accountable for their deceptive practices and failure to rectify the harm caused to consumers. It is imperative that TransUnion promptly removes the inaccurate and unverifiable negative accounts from my credit report. 

I have attached a copy of my previous letter to TransUnion for your reference, outlining the violations committed by TransUnion and my request for removal. I kindly request your assistance in resolving this matter and seeking a fair resolution.
Product: Mortgage

My name is XXXX XXXX and I am filing a complaint on First Mortgage Company due to they are not trying to assist me with keeping my home and when I ask questions they will only say they are servicing company and been giving me the run around and please can some one reach out to me
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX 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 all these violations! 


My personal information is XXXX XXXX XXXX XX/XX/XXXXXXXX my cashapp XX/XX/XXXXXXXX My XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX. 
Thanks
Product: Credit card or prepaid card

Capital One Quicksilver Card was issued with a limit of {$1000.00}. Deeming this insufficient for use, I have asked twice to have the limit raised. XXXX other cards in my wallet have limits ranging from {$9500.00} to {$15000.00}. 

What really offends me is that after I told them I can not use the card with such a low limit, I was rejected in my application for a higher limit, for the reason of " monthly spend has been too low ''. 

And the rejection letter ( attached ) claims to share additional information about the rejection, but does no such thing. 

I have sent Capital One a letter making this request for a third time, and have heard nothing.
Product: Checking or savings account

Ok so I had about 46 dolllars in my checking account for a pending gas station fill up which costed {$42.00} the payment went through but out of no where a automatic transfer of XXXX dollars ( think the branch set it up with out tell me ) from my checking to savings happen costing me XXXX dollars in negative including the XXXX dollars overdraft fee called abd they kept saying that they can't do anything try asking th person who is also linked in my bank account. What annoyed me the most is that I set up the bank account on the XX/XX/XXXX and had a random automatic transfer set up with out tell me leaving me with a over draft fee
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Mortgage

My XXXX XXXX XXXX home loan was bought by Nationstar Mortgage Company. There has been nothing but harassment. I pay my loan before the grace period ends. I keep receiving reminders ( threats ) to pay my loan. I also keep receiving solicitations to refinance my loan, also for insurance products. I am trying to refinance out of this company 's clutches. The reviews of this company are horrific. How are they still in business?
Product: Student loan

My loan should not be with EdFinancial. After consolidation, I was placed with Edfinacial in error. I am on track to XXXX. I have been with XXXX. XXXX administers the student loans for the Federal government. I have been paying my loan through XXXX. My XXXX  counts are online with XXXX. I spoke with AIdvantage on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. XXXX told me my loans would be pulled back from Edfinacial to XXXX. 
I contacted Edfinacial on XX/XX/XXXXXXXX  and spoke with a customer representative XXXX. I provided XXXX with my case # XXXX from the Department of Education. XXXX had me on hold several times and explained my loan would move to XXXX and be placed on forbearance. I logged on to Edfinacial this morning to see payments due XX/XX/XXXX of XXXX dollars. I called Edfinacial and spoke with XXXX. XXXX explained they placed me on a Level plan. I am a social worker. I made {$78000.00} this year XXXX. I explained I qualify for the XXXX plan. My payment with XXXX was a little over {$600.00}. I requested a supervisor as to what XXXX had explained to me. XXXX spoke with supervisor XXXX XXXX. I did not get to speak with her. XXXX told me not to worry about my payments as they do not report to the credit bureau. I explained I am not comfortable with this scenario. I requested something in writing. XXXX indicated they do not provide anything even via my email portal. I uploaded proof to edfinacial via the Inbox I am on track for XXXX forgiveness, and XXXX said it goes to compliance that she does not see anything. We ended the call. They have notes about my call with XXXX. This is extremely upsetting as I work. I have paid XXXX. My mother is in palliative care hospice and I have done nothing but make calls and request forbearance until this is corrected and request in writing what Edfinacial has told me. It is very concerning when the information is inconsistent The payments are wrong. I am with the wrong lender and I am unable to speak to a supervisor and told not to worry about it as it is not reported to a credit agency. I do not get the impression Edfinacial is consistent with its wording or has consistent policies. I also felt XXXX was not very knowledgeable although pleasant. In my experience, things are just said without any protocol or correspondence nothing... leaving the consumer with no help other than " don't worry about it '.
Product: Debt collection

I put in a lawsuit against the Exeter finance for defamation of character and reporting false information about me. Another thing I want to mention is that XXXX and XXXX is reporting that I owe Exeter finance and XXXX is not reporting anything about Exeter finance I never conducted business with Exeter finance on XX/XX/year>. I never agreed to settle a payment. 

Exeter finance is breaking credit laws and if this account not remove the lawsuit will continue
Product: Mortgage

You-CFPB, have ignored repeated attempts to answer or address all of my complaints about XXXXXXXX XXXX XXXXXXXX fraudulently servicing my account regarding escrow payments, Homeowners Insurance , erroneous fee, XXXX, which is an affiliate of XXXX XXXX XXXXXXXX XXXX It was sold to Shellpoint because XXXX XXXX XXXXXXXX could not continue to falsely charge me. Now it is with XXXX, the last vestige of fraudulent mortgage banks and servicers who put it straight into foreclosure. My adult children will not allow me to see my grandchildren because of what XXXX XXXX XXXXXXXX did to me-would not acknowledge my reinstatement wire and put my loan in foreclosure in XXXX  at XXXX where they were barraged foreclosure vultures. It is happening again. 

I am XXXX, single and in poor health. I will die in my home before it goes on the auction block. 

YOU did this. And now, as I see my name and email are in your system but you don't allow me a new password. The system continues to you can not use an old password. 
I didn't. 
Then it says its too week when I have tried every combination under the sun.
Product: Credit card or prepaid card

I was issued a prepaid XXXX debit card by the New York State Department of labor during the pandemic as an essential worker. I only used it to withdraw cash from one particular ATM, the XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX branch, because it did not charge any transaction fees. I was shifting my residence in the last week of XXXX. So, I did not go to the bank. I went to withdraw money on XX/XX/XXXX and noticed a depleted balance. I got suspicious and went online to look at the transactions. To my shock I found 5 fraudulent withdrawals from ATMs of banks, that I never visited in my life. Not once did i leave my debit card unattended, nor did i use it for any online or brick and mortar shopping. I immediately reported it to the debit card company. They send me a dispute form and the list of fraudulent withdrawals and told me to contact the police to file a report. When I visited the nearest police station, they insisted on having an affidavit to even take a complaint. They also asked me whether I was using a XXXX phone. When I replied positively, they said that XXXX XXXX phones were hacked and data was stolen.I plan to download an affidavit form and get it notarized and visit the police station again
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the middle of purchasing a home and late payments from XXXX keep popping up on my Experian and XXXX reports. I have reached out via phone and email repeatedly over the last 3 months and received no response. 

I was delinquent in my student loans back in XXXX due to being laid off 4 times in a 2 year period. However, since then I have successfully rehabilitated my loans back in XXXX and they have been transferred to XXXX to be serviced. I can't understand for the life of me why XXXX is now reporting late payments in XXXX and XXXX. I need this fixed ASAP! 

I have disputed this every month with XXXX and Experian and for some reason, someone at XXXX keeps verifying that I'm late. How is it possible that I am late to a company that doesn't hold my debt? And as recent as XX/XX/XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

These Consumer Reporting Agencies and XXXX XXXX have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my relationshp, and paying higher interest rates for insurance, etc. XXXX XXXX is the ringleader and pushing XXXX profling by fishing for via third party sites and selling consumer information to the Credit Reporting Agencies and other entities, with out consent from the consumer allowing them to verify and not validate inaccurate and disputed information as fact. Along with Equifax they are committing fraud and breaking consumer laws. And with Equifax having one of the largest Identity breaches, im not surprised. I am a victim of that breach. XXXX is following suit stating that the disputed information is verified however, according to the US Bankruptcy Court of Chicago- they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXX. Which also does not furnish information to the CRA 's. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our misfortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and give me the run around to solve any issues. YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 1. I DO NOT consent to updating, I have disputed and asked to have it validated and even with documentation stating they couldn't not have received the information via the court STILL XXXX, Equifax and XXXX XXXX are REPORTING INACCURATELY, XXXX has already deleted the error and All need to be reporting the same information per the FCRA -** I REQUEST BLOCK/DELETION. ** 2. No record of this bankruptcy is to be added back ever again. 3. I request that it be removed within the next 5 business days, and send me an updated consumer report after deleting said bankruptcy. I have already been apart of the Identity theft breach with Equifax and have had to deal with too many issues involving my Credit profile and sensitive information.This is the second time my information has been leaked because of Equifax 's terrible security measures and they won't fix my erroneous errors once I notice incorrect actions and I wasn't even able to access my credit report since 2019!!!! Ridiculous!! Please Promptly delete the Bankruptcy record.
Product: Credit card or prepaid card

The response provided by USbank is NOT accurate... again. There must be some kind of misunderstanding here. I have attached the letter that they provided with their response and highlighted key statements. The red highlighted text identifies the inaccurate statement and is copied below. 

USbank red quote : " This balance transfer is the oldest balance on your account and is where your payments are being applied currently. '' -This is painfully untrue. The XXXX XXXX balance transfer identified in the letter for {$6400.00} is NOT the oldest 0 % balance. The OLDEST 0 % balance is the purchases balance of {$750.00}. Hence why the promotion on the {$750.00} balance ends almost a year sooner! 

The yellow highlighted text is USbank 's acknowledgment that all of my accounts are 0 %. Therefore, all future and past payments should have been applied to the OLDEST balance first ( {$750.00} ) until it reached ZERO $ .

USbank yellow quote : " As explained in our previous response, for balances with the same Annual Percentage Rate ( APR ), payments will be applied to the oldest balances first. As all of your balances are currently at a 0 % APR, this is the rule that pertains to your account currently. '' - The " rule '' mentioned in this quote should in fact pertain to my account, but that has not been the case. In fact, this statement describes EXACTLY what I am trying to resolve. So again, why are my payments NOT being applied to the OLDER 0 % balance of {$750.00}? The quote above clearly states that they should be!
Product: Debt collection

Debt collector XXXX XXXX XXXX XXXX is claiming I owe a debt
Product: Debt collection

I took a loan out personally under my name and put my car as collateral, I made payments online and set up re occurring payment plan of XXXX $ each pay period I paid the loan off as asked I went in multiple time to pay with cash and missed XXXX payment of XXXX $ check city never sent Information in saying the time Ive payed with cash wich put my loan in default and sent to collections where I was told to pay the remaining amount of the loan wich was XXXX $ and started paying them when my title for my car I asked for a copy they did not comply in sending one I missed one payment with collections which ended up in me owing XXXX $ and no title until the amount has been paid? No negotiation or payment plans could be made and I have no title to my car?
Product: Debt collection

I am a victim of identity theft, I have an FTC identity theft report. I recently discovered multiple credit cards that have been maxed out on my credit report that is a result of identity theft, and I am disputing them with the furnishers and credit bureaus to have them removed. I have also had police contact me in the past due to finding perpetrators with cards in my name in their possession, and they were able to call the furnishers and get those accounts removed. So my identifying information has been compromised for years now. 

I started a dispute with ACIMA DIGITAL FKA SIMP  and the XXXX back in XXXX. XXXX I attached my SSN, ID, bank statement for proof of address, FCRA, FTC identity theft letter, and a letter stating why and what I was disputing. I was disputing an ACIMA account on my credit report because it is not mine and I did not open it. I'm unaware what the account is for, I only know that it appears to be a lease or installment account with an extremely large balance of {$7500.00}. ACIMA has not responded to me by mail, and I'm unaware if they have responded to XXXX since I also mailed XXXX XXXX dispute letters in XX/XX/XXXX and XX/XX/XXXX. However, XXXX completed their first investigation and did not remove the account. I advised them to validate the debt/account with documentation bearing my signature, and if this documentation was not provided I formally requested the account be removed from my credit report. My identifying information has been compromised for years now. I informed ACIMA DIGITAL FKA SIMP and XXXX that I will report this to the attorney general and CFPB if they continue to ignore my request for documentation bearing my signature, and remove the account. Additionally, I've started my second investigation with XXXX, and the account has yet to be removed and ACIMA has yet to respond to me by mail with ANY documentation bearing my signature. I mailed my ACIMA letter on XX/XX/XXXX, and my second XXXX  dispute letter for the ACIMA account on XX/XX/XXXX, my first XXXX dispute letter was mailed in XX/XX/XXXX. XXXX currently has the second investigation open now, but they continue to rule in favor of ACIMA despite my request for documentation and receipt of my FTC identify theft letter.
Product: Debt collection

threatens says they will keep calling to call my family about my debt and threatens to keep calling my job.call sometimes 3 times a day.keeps calling when i tell them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Item is being reported to my credit report without permissible purpose. I requested that the reporting agency and creditor provento me that the account is mine, such as any document bearing my signature that I consented to commerce with their company. Despite failure to show any substantiating documents proving my ownership of this account, and my non-consent to XXXX, the creporting agency has adjudicated the claim to keep the negative item on my credit report.
Product: Credit card

THIS IS A NEW COMPLAINT WITH NEW INFORMATION! XX/XX/XXXX I fell behind on bills. XXXX Chase credit cards were among them. I was XXXX for them XX/XX/XXXX when they were out of the Texas statue of limitations. This does n't stop Chase from reporting them in collections on my XXXX credit report or attempting to collect.
Product: Debt collection

Account closed and debt was paid- continues to collect interest on interest. This is not in keeping with FDCA
Product: Mortgage

My cousin passed and I became the " Successor in interest '' on the mortgage. The mortgage was taken out in XXXX and refinancing would save about {$1000.00} each month! I have been trying for several weeks to get XXXX XXXX XXXX to send a Mortgage Payoff Estimate to my title insurance company so I can have my mortgage refinanced. ( Rushmore services mortgages but does not do any refinancing. ) I have faxed, called, and uploaded documents to their website, XXXX XXXX 's website ) almost every day for two weeks to simply get a XXXX XXXX. They keep saying that they can not read my " third party authorization '' ( which is a lie ) ; and will not accept my telephone calls as a valid request for a XXXX XXXX XXXX which is dishonest and unethical behavior on their part ). I really need them to send me or my title insurance company the XXXX XXXX immediately good to XX/XX/XXXX! Immediately and with no more delays!
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as delete the Accounts from my report during the investigation period. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from Bank of America on XX/XX/2020 and on XXXX. I do not remember giving authorization to this lender for this hard inquiry.
Product: Debt collection

I am repeatedly receiving phone calls at XXXX XXXX and XXXXXXXX XXXX from Hunter Warfield , Inc for a debt from XXXX XXXX XXXX XXXX XXXX XXXX for {$6200.00}. The account and debt is not my account or debt, and is the result of identity theft. Hunter Warfield Representatives is steady calling me, annoying and harassing me, using abusive, profane and vulgar language against me and threatening me with violence and death for an and debt thats not my account or debt. I am a victim of identity theft. Hunter Warfield has me in fear of losing my life. They have frightened me with their illegal, unethical and unlawful business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX ending in # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose