23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am a co-signer to an account with my sister at XXXX XXXX. I am in the military and while XXXX, several late payments were made to this account. During this time frame I was not successfully contacted by XXXX give where I was and the difference it time. I got the notice from my credit monitor service through XXXX. I immaterially got access to my sisters XXXX account and made the payments and have since taken over payments. I asked XXXX under these circumstances if they would consider doing a curtsy removal or goodwill removal of the late charges and that I could set up automatic payments though my bank account. There response was that they could not do this due to policy. 

the late payments in question occurred on the following dates for the following amounts : XXXX XXXX for {$270.00} & XXXX XXXX for {$270.00}. 

On my part I have called the creditor to ask for a goodwill removal of the reporting given the unique circumstances related to the late payment. After a long conversation with the XXXX of the call center I was told there was nothing they could do. I made this phone car on XXXX XXXX XXXX
Product: Checking or savings account

I have a bank account with Credit Karma Spend through XXXX. On XX/XX/2023 my bank started processing all my transactions as double. So every transaction that Ive had from XX/XX/XXXX on, then came back out of my account again on the ninth. When I called into let them know about this, they told me to do the dispute process. I did let them know that the companies that they show have two payments from me do not have those payments so that the dispute process may not be the best option. They did send me the form for the dispute process. I asked them what they would do in the meantime as they took nearly {$700.00} from my account. no one offered to help with the missing money. I asked them how long it would take to get the money back as its a large sum of money, and I have to pay for food and my other bills. I also let them know that I have two payments coming out for other accounts. those declines will cause fees from those companies, and they never offered to waive those fees for me or credit my account for those fees that will be charged. I was told they do not know how long this process can take but its 120 days but until then I have no funds. Ive even asked them multiple times if they could look into why my account is doing this. Because literally every transaction is double charging me at this point. Even my declines are double charging me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, Loancare experienced a cyber attack, compromising personal information of over XXXX XXXX individuals. A week later, I received Dark Web Monitoring alerts from my credit card company, revealing that my name, email address, home address, and phone numbers were exposed on the dark web. Subsequently, I faced harassing messages, with individuals attempting to extort me. 

On XX/XX/XXXX, I received a letter confirming that my personal information, including my social, was compromised in the data breach, explaining its appearance on the dark web. This situation was especially alarming as I have a newborn at home, and individuals claimed to possess my personal information, including my address. 

I promptly contacted Loancare 's Data Breach response line, expressing my concerns, and they assured me of forwarding the matter to the escalation team. Despite signing up for Loancare 's Credit monitoring services XXXX XXXX XXXX, its performance was subpar. I received two more Dark Web Monitoring alerts through my credit card company, neither of which reflected in Loancare 's service. A second contact with Loancare resulted in another escalation ticket, but after a week, I sought help from the XXXX XXXX XXXX.

My complaint to the XXXX XXXX XXXX went unanswered, and Loancare added a negative remark to my credit report, adversely affecting my credit score. Subsequent attempts to address the issue through customer support, leadership team contact, and even purchasing a secondary identity theft protection plan yielded no response from Loancare.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 ( Block , Inc ) failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Credit reporting

I opened an account with XXXX XXXX when I lived in XXXX during the XX/XX/2014. I moved out of the apartment and back to XXXX during the XX/XX/2014. In XXXX, I received a bill from XXXX regarding a balance on the account. I paid the balance in full and closed my account. I never heard from them again. It is almost a year later and it is registering on my credit report that I have an amount out on the account that has gone to collections. The company has acknowledged the fact that I called to cancel my account in XXXX. If this is the case, how am I carrying a balance on an account that was paid in full and the account was closed? I paid the amount because I do n't want it on my credit history, but I did n't allow the account to go into collections. They did it without my knowledge.
Product: Checking or savings account

Chime unauthorized XXXX transactions for a XXXX sock manufacture in XXXX XXXX. They did not report this suspicious behavior and let them overdraft my account. I called to try to get a credit and because the transactions were pending they said I would have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score through the XXXX Banking app, it went down by XXXX points. Notes says Inquiry by Discover Financial Services I contacted Discover and they said no accounts were made using my information. I did not make or apply for an account with Discover. I did not authorize any company recently to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT XXXX AND XXXX  ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH XXXX!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE XXXX AGAIN
Product: Vehicle loan or lease

On XX/XX/2023, I submitted a payment of {$1900.00} as my outstanding balance on the loan is {$1900.00}. I called the company on XX/XX/2023 at approx. XXXX to move the payment to principle only. I was told on the call, the payment had been submitted and the payment would be moved to principle. I called again on XX/XX/2023, approx. XXXX to check on why the payment was not reflecting as being applied to principle. I was told there was an error and the payment was not able to be move to principle after being on hold for over XXXX XXXX. I was then told I would need to wait an additional XXXX XXXX for the funds to be available on the account and to call back in to make the request again. I stated this was not my error and the company needs to apply the funds per my request. I'm trying to get my loan paid off and the company is charging me interest all of these days due to the company 's error. I was told I would need to make the request when the funds are available. 

Please review the below documentation, the company did not apply the payment correctly before I had called either.
Product: Credit card

I made a purchase with XXXX XXXX on XX/XX/XXXX and used Affirm for a credit loan and then cancelled the product on XX/XX/XXXX. The total I paid was {$180.00}. Affirm still won't refund my money. They are holding it even though I sent them the XXXX XXXX cancellation letter. It's already XX/XX/XXXX and there is no result for my refund. 

Attn : XXXX XXXX
Product: Checking or savings account

My injury began in 2018  when I asked the bank for an audit of my account transactions. I was told by my regional bank manager that my request for an audit was not approved. I was also informed by the customer service person that Chase bank did not audit personal checking accounts.

Shortly thereafter, I sent over one hundred documents ( copy of my checking account ) to Chase corporate headquarters explaining the dilemma relative to checks being returned 10 days after posting, and the funds associated with those returns were not put back into my account. To make a long story short... money is withdrawn through automated debit to pay my bills, debits are reversed after 10 days but funds are not put back into my checking account.

I sent my husband {$400.00} using chase XXXX I cancelled that transfer within the hour, but my funds did not return to my account. I filed a complaint with the bank, but I have been waiting 2 years. 

Furthermore, the access to identify returned checks is missing. from my online access file. 

More importantly I deposited {$30000.00}. in the bank a few months ago the bank held it for 10 days. Okay... when it was released I had about {$12000.00}, after bills but that disappeared from my account. I filed a complaint about the XXXX {$5000.00}. payments made to a law firm which was never deposited back into my account. 

I am XXXX XXXX XXXX and do not have the funds to hire a lawyer. I am so depressed about the funds that chase owes me that I can't function.
Product: Debt collection

I cancelled an insurance policy with XXXX because they raised my policy more than double within a couple months with no justification.I called them on the phone after I already picked up CURE insurance told them I 'm cancelling and why they said it was cancelled at that moment we spoke. Next thing I get a letter I owe them XXXX and at the time I cancelled I owed them nothing They took their time dropping me from policy and expect me to pay for them when I already was paying CURE They put it as a collection on my credit report XXXX deleted it off my credit report but XXXX still has it on there
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The following account has violated my rights : Source Receivables MNG Acct # XXXX XXXXXXXX Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. This company is attempting to collect a debt. I've never done business with this company nor am I aware of who they are. They have not provided proof that I have signed anything. They have damaged my credit because of this and are causing a lot of stress in my life due to this act.
Product: Debt collection

The company told me I could not create a payment plan and that I had to pay the entire balance of at once.
Product: Credit card or prepaid card

In early XX/XX/XXXX I closed this account. At the time of closing the account I had a credit balance of XXXX. After 3 follow up calls regarding getting a refund for the credit Capital one sends two checks both for XXXX in the last week of XX/XX/XXXX. I call Capital one and provide the information on both checks ( ABA, account, and check number ) and the representative tells me which check to cash. I cash only that check believing the issue was resolved. For safety sake I kept the second check they asked me not to cash. 

Today XX/XX/XXXX I receive a call from Capital one stating the same account is past due with a balance of XXXX + interest in late fees. When explaining to the caller what happened the employee claims he's going to transfer me to a specialist. The next thing i hear is the IVR asking for my card number! I requested a call back which took 90 minutes and the employee escalates me to XXXX who says she is a manager. XXXX listens to the situation and puts me on hold. When she returns she advised me to cash the 2nd check I was previously told not to cash in XXXX and they will 'forgive ' the late fees and interest as if I actually earned them! When I told her that wasn't acceptable I was told there wasn't anything else she or Capital One was willing to do for me.
Product: Vehicle loan or lease

I financed a car through Chrysler capitol A few years back. Well they got a class action lawsuit against them and lost. They were putting people in high risk high default loans. I got a letter and a check for over XXXX dollars. Well the letter said we get loan forgiveness. They took it off XXXX and XXXX but not XXXX. Please help me get this off my credit report please. I don't want to have to hire a lawyer but i will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX have failed to report my XXXX XXXX credit card account which reflects positive payment history and could help raise my credit score and lower my credit card utilization. The account number for the XXXX XXXX XXXX credit card is XXXX. The account was previously reporting at both bureaus but it was deleted in error and never corrected. I have called each credit bureau several times to reconcile the situation but they continue to blame XXXX XXXX for lack of reporting. However, XXXX XXXX XXXX sent me documentation in the mail on 2 separate occasions proving that they have been reporting accurate information to all 3 credit bureaus. The XXXX XXXX credit card referenced above is accurately being reporting on my XXXX credit report yet these two bureaus refuse to correct their mistake. I demand that the bureaus be required to report accurate information as stated by the Fair Credit Reporting Act or I will be forced to seek legal action immediately for the damages incurred and for being unfairly denied credit due to their negligence!
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks detrimental to my life and credit health.
Product: Credit card or prepaid card

The issue is causing me significant distress and XXXX to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about removing fraud alert however its still on my credit file its posting as a security alert and fraud alert and I will like for experian to remove off my credit report
Product: Checking or savings account

I deposited a check for {$2400.00} into my business account ending in XXXX in XX/XX/2023. The check posted then I tried to transfer money to another bank 's account and there was an error. After talking with XXXX  agents and managers, some said that the check was flagged as counterfeit and that they would not release the funds to me. They transferred the money to another account, basically keeping the money. 
Their answers don't make sense because it was a XXXX XXXX check with all the bank 's information on it. They could easily have called that bank to verify the information. I want a check in that amount mailed to me. 

In XXXX of the letters sent to me, it says " no funds are to be released as the account is still under investigation. '' I also contacted the issuer of the check, XXXX XXXX Bank, and they said there is nothing wrong with the check and that it was deposited into my Truist XXXXFrom what the Truist managers said, the investigation ended a XXXX XXXX XXXX I want my money or I will sue Truist Bank.
Product: Mortgage

A mortgage company in XXXX XXXX is advertising paying referral fees to realtors as well as members of the general public for referring mortgage leads to them. They will pay .5 % commission to the person at closing on a loan. 
This is clear RESPA VIOLATION and needs to be stopped... 
The company name is Intelligent Mortgage and they are in XXXX XXXX, LA.. 
THEY HAVE BEEN DOING THIS FOR SOME TIME AND NEED TO BE STOPPED. 

The owner of the company, XXXX XXXX, as well as his employees, have been doing this for a long time!
Product: Checking or savings account

On XX/XX/year> I recieved a text message at XXXX from sofi letting me know there was an unusual charge on my account for {$4500.00} dollars and to reply within XXXX hour to let them know if it were me. I was asleep as it was XXXX, they should have called me or simply not let the transaction go through as it was in a different state on XXXX. I called at XXXX to let them know there had been a transaction made and I needed to dispute it. They told me to call back if the transaction posted ( it was pending at this time ). Three days later when the transaction posted I called and a dispute was started. Since that time I had been called 3 different times by 3 different employees who asked me several different questions for investigating purposes. The very last person I spoke to - " XXXX '' told me once the investigation was complete I would be communicated with to find out what the final decision was on the dispute. 7 days past, I hadn't heard anything so I called and was told that the dispute was denied and that I should have received an email. I had not received an email. So I called back and asked for the email to be resent to me on XX/XX/year>, the customer service person told me they were sending a message to XXXX to send me the information. Today is XX/XX/year> - I still have no email so I called again, they again told me they would be asking XXXX to send me the information. I am unable to appeal my dispute or do anything until this is sent to me. I have a right to know why my dispute was denied, it was a lot of money and I would like it back. I feel their security is poor. Other banks would call or not let the obviously fraudulent transaction go through. The customer service for Sofi has been lacking, everyone is nice but no one seems to be able to get anything done.
Product: Money transfer, virtual currency, or money service

On the XXXX of XX/XX/2022, my PayPal account was permanently restricted. The reason listed was a change in business model or your business model was considered risky. I have not done anything to my account that would justify this. After some research I discovered this phenomenon is caused when PayPal is opened with a XXXX active. Due to my personal security, I keep a XXXX on my phone, and made the mistake of not turning it off before opening PayPal, which likely flagged my account.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXXXXXX regarding their failure to provide IRS Form XXXX documentation for XXXX accounts they claim have been charged off. This failure raises significant concerns about the accuracy of the information being reported to credit bureaus. 

The details of the accounts in question are as follows : Account Number : XXXX with a reported balance of {$760.00}. 
Account Number : XXXX with a reported balance of {$520.00}. 
Account Number : XXXX ( duplicate or subsequent account ) with a reported balance of {$770.00}. 

I have previously contacted XXXX XXXX requesting a copy of the XXXX form for each of these accounts to verify their reporting of these debts as canceled or discharged. Despite my request, XXXX XXXX has failed to provide the requested documentation or any evidence supporting their continued reporting of these accounts. 

Without proper documentation, the reporting of these accounts may be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Their failure to validate these accounts creates confusion and potentially damages my credit profile unfairly. 

Actions Requested : XXXX. Investigate XXXX XXXX failure to provide the requested XXXX forms for the accounts listed above. 
XXXX. Verify whether XXXX XXXX properly discharged the debts and issued the required documentation to the IRS. 
XXXX. If XXXX XXXX can not provide the requested documentation, require them to remove any negative or inaccurate reporting related to these accounts from my credit report immediately. 

I respectfully request the CFPB to intervene to ensure that XXXX XXXX complies with federal laws and provides accurate reporting. Please let me know if further documentation or clarification is required. 

Thank you for your assistance.
Product: Debt collection

I am reporting this company for trying to collect on a fraudulent debt by XXXX, who I have spoken with and has agreed that all I need to send them is a police report, about the fraudulent account opened in my name. To which I have done. These people keep sending me emails and saying that I owe, when I never opened the XXXX account in the first place. I want these people to know that just like I warned XXXX, litigation will commence against them, Just as it will against XXXX unless you all remove this fraudulent debt from my credit reports IMMEDIATELY!!! And NEVER PLACE THEM IN MY CREDIR REPORTS EITHER.! ( XXXX, XXXX, & XXXX ) or according to my attorney, they will be sued to the fullest extent of the law permissible. Delete this fraudulent debt or face the consequences for said actions.
Product: Mortgage

On or about XX/XX/2021, Shellpoint did not provide a designated representative in its CFPB response. 

XXXX XXXX is my designated representative in the correspondence. Shellpoint says that MsXXXX XXXX is his supervisor. All representatives have a supervisor. The regulations say that I am supposed to have a designated representative. Yet, in the XX/XX/2021 response, Shellpoint referenced attempts to reach me by phone from a third representative, which was not identified as XXXX XXXX or Ms. XXXX in the letter which prompted my complaint stating they were creating false documentation that I was nonresponsive. 

Shellpoint was nonresponsive for 60 days when they sent contradictory trial payment amounts and I asked for clarification. 

So, I need a designated representative, which Shellpoint 's response did not provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX account name XXXX 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 agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Monterey Financial says I purchased some type of scope. Owe them {$5000.00} and am now 60-90 days late. This is not my purchase. I told them that, this is fraud, but they kept calling me and friends and texting also. Plus it is pulling my credit ratings down.