23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We purchased a business and landscaping was already in place by a company. We let them continue, but did not have a contract with the company. We called and asked for a Mosquito treatment on the property in XXXX 2013. They did not apply it until XXXX 2013. At that point, we called and cancelled all services. The landscape company continued to come every week, but were coming in the morning before anyone was at the building. We never saw them. I received the XXXX billing after cancellation in mid-XXXX 2013 and called again and left a message. They still continued to come through the end of the season. We have written letters and asked for these bills to be reversed. XXXX years later, the landscape company has turned the account over for collection.
Product: Credit card

GOLDMAN SACHS BANK SOLICITED ME MANY TIMES TO OPEN A GM CREDIT CARD. I COMPLETED THEIR APPLICATION AND I WAS OFFERED IN WRITING ON 5 OCCASIONS, 0 % FOR THE LIFE OF CREDIT CARD. NOT IMMEDIATELY AFTER ISSUING THE CARD OR WITHIN THE FIRST 30, 60 OR 90 DAYS BUT NEARLY 1 YEAR LATER GOLDMAN SACHS SENDS ME A LETTER STATING THAT THEY MADE A MISTAKE AND THAT THE INTEREST RATE WILL NOT BE 0 % FOR THE LIFE OF THE ACCOUNT... INSTEAD THEY WILL EXTEND THE 0 % RATE AS A COURTESY FOR 6 MONTHS. I IMMEDIATELY CONTACTED GOLDMAN SACHS SAYING I AM NOT ACCEPTING A 6 MONTH EXTENSION OF 0 % AS I CONTRACTED WITH THEM AT 0 % FOR THE LIFE OF THE ACCOUNT. I HAD NO LESS THAN 10 PHONE INTERACTIONS WITH GOLDMAN SACHS REGARDING THIS MATTER AND THERE IS STILL NO RESOLUTION.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX for Inaccurate Reporting and Failure to Inform Regarding Forbearance Coverage Gaps Dear CFPB, I am filing this complaint regarding XXXX XXXX failure to accurately report my account status to TransUnion and its lack of communication regarding gaps in forbearance coverage, which has caused significant harm to my credit and financial standing. 

Background : My account was approved for a forbearance period from XX/XX/XXXX to XX/XX/XXXX. 
I proactively contacted XXXX XXXX in XXXX and early XX/XX/XXXX to discuss extending the forbearance. However, I was advised to call back toward the end of XXXX to request an extension. 
A new forbearance was approved from XX/XX/XXXX to XX/XX/XXXX, but I was not informed that my account would not be in forbearance for XX/XX/XXXX during this process. 
Issues Failure to Inform About XXXX XXXX XXXX  : At no point during my communication with XXXX XXXX was I explicitly informed that there would be a gap in forbearance coverage for XX/XX/XXXX. 

Had I been informed, I would have : Made necessary arrangements to pay any dues for XX/XX/XXXX. 
Brought the account current to avoid any derogatory reporting. 
Adjusted my plans accordingly to avoid negative credit impacts. 

Inaccurate Reporting to TransUnion : XXXX XXXX reported my account to TransUnion as NOT in forbearance for XX/XX/XXXX, which is inaccurate and misleading given the circumstances and discussions around my extension request. 
This derogatory reporting has negatively impacted my XXXX XXXX and, consequently, other financial accounts tied to my creditworthiness. 

Inconsistent Communication Processes : Despite my early calls in XX/XX/XXXX to initiate an extension, XXXX XXXX insisted on delaying the process until late XX/XX/XXXX. This delay left insufficient time to manage potential gaps in forbearance coverage. 

No Opportunity to Mitigate the Situation : I was not provided an opportunity to address any dues or bring the account current before the new forbearance began. The lack of transparency from XXXX XXXX directly contributed to the derogatory reporting. 

Impact The inaccurate reporting and lack of clear communication have : Damaged my credit score, affecting my ability to secure favorable terms for other financial accounts.

Caused unnecessary stress and financial difficulty as I try to resolve this issue.

Resolution Attempts I have contacted XXXXXXXX XXXX multiple times to dispute this issue and request a correction with TransUnion, but my efforts have not been successful. 
XXXX XXXX has failed to take responsibility for the miscommunication or rectify the inaccurate reporting. 



Enclosed, I have included : 1. Relevant credit report entries showing the derogatory reporting for XX/XX/XXXX. 
2. Copies of forbearance approval letters for XXXX XXXX and XXXX XXXX XXXX 

Thank you for your attention to this matter. I hope for a prompt resolution that addresses the harm caused and prevents similar issues for others in the future. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/23 I visited a XXXX with my dog for an initial visit. They sold me an XXXX XXXX XXXX XXXX alleging that it would save me money. No terms were disclosed at point of sale. I was given verbal information only and the sales person answered my clarifying question that it could be canceled at any time without any costs in addition to the monthly fee which would end on cancelation. My dog was diagnosed with XXXX XXXX on XX/XX/23 and XXXX repeatedly pushed to do imaging scans. My dog was unable to use any of the listed procedures under the wellness plan while undergoing costly treatment for XXXX. Due to this, I called to cancel since they sold me something he could not make use of. I was told I would have to call an outside number from the actual XXXX location. I called the number and was told they would need to look into it and call me back. They did not call back so I called again to cancel. I waited on hold several times at length and was unable to get through in a reasonable time so had to try again on different days. When I eventually got an agent again, I was finally informed that in order to cancel I would need to pay a hefty $ XXXX {$2000.00} debt I was unaware and uninformed of having incurred. I am still not sure where the amount supposedly came from. XXXX refused to cancel the plan without receiving the amount. 

I and my boyfriend have continued to receive calls and emails from the vet clinic who I have told for months to stop contacting as I will no longer do business with them after seeing their deceptive and fraudulent business practices. This also violates my consumer rights. 

I am concerned the vet may have treated my dog in error and he may never have had XXXX, as he showed no symptoms and acted extremely healthy. He put ten pounds on during treatment. I was informed repeatedly that the treatment was life threatening so we really needed imaging. I spent over {$1000.00} in four months only to hear they will not cancel the plan they sold fraudulently and supposedly I owe them 1-2x more. 

I contacted my card company to protect me from them because they are committing fraud and their response was to send the card company a copy of the terms which were Not disclosed. The card company sent the money to XXXX again to reward them for committing fraud and their unethical business practices which habitually violate consumer laws.
Product: Consumer Loan

After 20 years with USAA, I am suing this piece of XXXX company for BAD FAITH, BREACH OF CONTRACT AND UNETHICAL BUSINESS PRACTICES. 
Never late with any payments, never had any claims on any house or vehicle in 20 years. 
Directed USAA to place my secondary car into " storage status '' in XX/XX/XXXX as it was replaced by my primary car. 
This conversation was recorded by USAA. USAA continued to bill my auto policy at FULL COVERAGE for over 5 years until it was sold in XX/XX/XXXX. I asked for a refund due to USAA 's negligence to place the car into " storage status ''. They refuse. 
After making no changes to my policy for years, I spoke with an agent in XX/XX/XXXX to drop a driver from my policy. During that recorded phone conversation, the agent persuaded me to drop the comp/collision of my son 's car and to either drop or reduce the comp/collision on my primary vehicle. I reluctantly complied due to the persistence of the agent, raising my deductible from {$500.00} to {$1000.00}. 
Two weeks after being persuaded to make this change, my car was vandalized, causing nearly {$2500.00} worth of damage. I immediately provided the Sheriff 's report to USAA. The assigned agent directed me to either take the car to USAA 's preferred repair providers or to choose a repair shop closer to my home. The shops that USAA recommended have horrendous reviews, so I obtained four estimates from shops that have excellent ratings and reviews. 
After repeatedly calling my assigned agent without being able to reach him and without any contact from USAA, I finally asked for a supervisor. The supervisor stated my claim had been closed. 
The claim was reopened and the supervisor stated that I could not take the car to a shop of my choosing, contradicting what the agent directed me to do. 
Due to USAA 's agent persuading me to change the comp/collision deductible two weeks prior to it being vandalized, I requested that the deductible either be reduced to the original {$500.00} or to waive it completely as the damage was through no fault of my own. USAA refuses to do either. I asked to escalate this issue to the Underwriters to have the deductible waived or reduced. The request was refused. 
Three days after speaking with supervisor XXXX, I received a notice from USAA that my auto policy rates would be increasing because of the vandalism claim on my vehicle. 
The horrendous customer " service '', refusal to investigate the overcharges related to my vehicle that should have been on " storage status '', the agent persuading me to change the comp/collision deductible, refusal to honor the original deductible or waive the deductible, and then raising my rates due to this vandalism incident are disgusting examples of how NOT to treat a long time customer.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

In accordance with the Fair Credit reporting Act ( XXXX XXXX XXXX ) ( Account # XXXX ) has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1581 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I've attempted via mail to solve this issues, I've yet to this date received original documents of this inaccurate reporting
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. 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. They closed my account without warning and when I requested evidence to show any violation of policy or terms, they said they would not provide any and there was no further appeal that I could take. Finally they did not comply with the error resolution requirements under the electronic fund transfer act and regulations E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Mortgage

The loan officer threatened to disqualify the buyer if I issued a cure notice. Loan doc 's were not at title 3 days prior to the close of escrow date. Clearly a breach of the purchase contract. I was protecting my seller.
Product: Debt collection

I am being sued by XXXX XXXX, XXXX. for a GE Capital/ SYNCB/ Lowes credit account. 

In XX/XX/XXXX I was offered a debit relief settlement over the phone. I was to make the payment on or before the account due date. When I went to make the payment at the store the account was closed. 

The summons from XXXX XXXX, XXXX shows in a statement that the account was closed prior the to the due date. 

Documents presented by XXXX XXXX XXXX do not include any arbitration information for the account and serve to further my claim the account was closed prior to the due date. 

The court date is XX/XX/XXXX.
Product: Vehicle loan or lease

I have an auto loan. During natural disasters such as covid19, the company agreed to waive the payments. It took a XXXX and attorney general complaint each and every time. Each time the phone team advises it wont negative impact my credit. But it does. Most recently today. The information responded to the florida attorney general and XXXX says it wont impact my credit and my payment isnt due until the  end of XXXX. My credit report needs fixed. 

1 ) XX/XX/XXXX was a covid19 disaster approved skipping of payment, needs fixed on credit report.

2 ) XX/XX/XXXX was a XXXX  and chase approved disaster Hurricane Michael, however is incorrectly reported. 

Please fix these errors, the company has been notified clearly of this both by the XXXX, attorney general of florida, governor XXXX XXXX and lt gov of florida. On the phone an XXXX XXXX  lady informed me since I used a derogatory language they would derogatory hurt my credit on purpose. This kind of tribalism in call centers is something that many call centers dance around, including this one. Please do not let a sensative young phone rep dictate and corrupt my credit score anymore. Lawsuits will soon be filed if the above isnt immediately remedied. Also please extend my covid19 payment skip,  extension thru the end of XXXX, as it has been a slow recovery.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made XXXX  XXXX auto lease payment on time but later found out Chase reported it as late payment. 

I contacted Chase to dispute the delinquency reporting and Chase 's response is the payment was not received on time as there was insufficient funds in my bank account at that time. 

XX/XX/XXXX, I disputed the decision on the basis of bank error and I submitted my bank statement to Chase, which shows there was sufficient funds at the time of my payment and there was no record of Chase deducting the payment. Additionally, Chase failed to notify me of unsuccessful payment in a timely manner. 

Later, I received a letter from Chase in the mail stating they agreed to ask the four major credit reporting agencies to remove the delinquency from my account. The date on the letter is XX/XX/XXXX. 

However, I found out recently the negative report is still not removed so I contacted Chase again. Chase stated that they have now decided the reporting is correct and they will not remove the delinquency, which contradicts the previous sent letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX 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 reporting agency can not furnish a account without my written instructions
Product: Debt collection

This collector put a collection in my account that is not mine. The Same company tried this back on 2019 and it was removed by the credit bureau due to fraud and now they using this collection company to scam me to pay a depot that I ever owned and is not mine and clearly identity theft. 
I have XXXX debt I pay all my pills before due time in full. My certificate was XXXX and dropped 84 point due to this fraud scams. Please help me I am a veteran or XXXX XXXX abs have been working to bring my cedit up for over 10 years this is nit fair please help me. The collector name is first federal credit control for company called XXXX XXXX XXXX. Please help me to stop this criminals.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding credit bureaus failure to adequately investigate the validity of accounts listed on my credit report. Despite my efforts to dispute inaccurate or unverifiable information, The credit bureau has failed to ensure compliance with the Fair Credit Reporting Act ( FCRA ), particularly the provisions requiring credit bureaus to maintain reasonable procedures to ensure the accuracy of consumer reports. 

Accounts In Question : 1. US Department of education {$5800.00}. 
2. US Department of Education {$2800.00} 3. US Department of Education {$2500.00}. 
4. XX/XX/XXXXXXXXXX/XX/XXXX {$6700.00} XXXX. XXXX XX/XX/XXXX XXXX {$15000.00}. 
6. XX/XX/XXXX {$980.00}. 
7. XXXX XXXX XXXX {$740.00}. 
8. XXXX XX/XX/XXXX {$1500.00}. 
9. XXXX XXXX XXXX {$660.00}. 

This credit bureau has not conducted a reasonable investigation as required by Section 611 of the FCRA. Instead, they continue to report these accounts without proper validation or documentation.

This credit bureaus failure to properly investigate and delete these errors has caused harm to my financial well-being, including, a lower credit score, denial of credit opportunities, and higher interest rates.
Product: Mortgage

I have attempted to work with Bayview for mortgage assistance but feel I can never get anywhere. I have never been assigned a point of contact, I have not been provided with a fair and proper review and am being turned down for reasons that do not make any sense. I am not being provided options to save my home, in return I am being forced to this foreclosure and losing my home. Additionally, the main issue is that the beneficiary of this loan is XXXX XXXX XXXX XXXX, whom was never registered in the State of California to do loans. Because they were never registered the Deed of Trust shall be void ab initio. My right has the borrower have been severally violated and at this point all Bayview wants to do is leave me homeless. I am always having to contact them and never vice versa, this whole process is very draining and mentally exhausting.
Product: Mortgage

Veterans United took the property taxes paid by the previous owners and applied them to closing costs without authorization from myself or husband. We had stressed to VU that my husband is 100 % XXXX vet and we will not pay property taxes. XXXX XXXX, the loan counselor for VU, had taken the tax money that was from XX/XX/XXXX to XX/XX/XXXX and applied it to our closing costs instead of the property taxes that was going to be due. We didnt know this happened until after closing and we had gotten a letter from XXXX XXXX XXXX stating we owe property taxes. At no point did we authorize Veterans United to apply those taxes to closing costs. XXXXXXXX XXXX informed us that we have a policy that we purchased that protects us. XXXX XXXX XXXX company is our title company and according to the VA and XXXXXXXX XXXX, they shouldnt have allowed the paperwork to go through because the taxes werent paid. So now, my husband and I are going through XXXX trying to figure out who messed up and how to fix it. 

Also, the VA advised I call CFPB and I did and they told me that because I brought this to the attention of Veterans United that they were supposed to fix it and because they didnt they violated a policy that CFPB has. Im not sure the name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2023 I sent a letter to Experian, to update my personal information name & address. However these Credit Agencies has not updated my only true and correct name or address by law. I sent in a copy of my drivers license & a bill with my address correct and only name, however changes are not currently updated. Consumer Reporting Agencies have to follow the law and report accurate & correct information to protect my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous times via telephone and mail about the inaccuracies on my credit report. I have been ignored and no changes have been made. I thought that the credit reporting agencies needed my written permission to furnish anything on my credit report according to 15 US Code 1681b ( a ) ( 2 )? I will list below the items I want removed and corrected ; my next course of action will be a {$15000.00} civil suit in my local county small claims court ( 15 US Code 1692k ) if the items are not corrected and removed
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning erroneous information on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

1. Identity Theft XXXX {$7100.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 2. Identity Theft XXXX XXXX XXXX  {$18000.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA 3. Identity Theft XXXX {$1200.00} Account Number : XXXX Please remove this account immediately from my credit profile under section 605-B of the FCRA The following accounts can not be verified and I am requesting that the following accounts be removed immediately from my credit report. I am seeking further legal advice in addition to working with a police investigator to locate the individual who is responsible for fraudulently establishing this account without my permission or authorization. I have tried to work with credit reporting agency as well as the credit grantor to have these unverifiable accounts removed from my credit report. If I am unsuccessful with this attempt, I will be forced to file a suit in federal court naming your credit reporting agency, the above creditors, collection agencies, and acceptor of this letter as defendants. 

It is my understanding that per, the Fair Credit Reporting Act, this request must be given attention within 30 days of your receipt. Thank you for your prompt attention to this matter
Product: Checking or savings account

I was a victim of online fraud ( XXXX XXXX ) with my Wells Fargo debit card. When I called customer service first I was told that nothing could be done because the charges were authorized through the card. I called Wells Fargo fraud number who took down my fraud claim, it was multiples transactions through XXXXXXXX XXXX resulting an amount of {$800.00}. Never credited to my account and was told to wait 0 days then called them three times for follow up on my claims and was told the same thing will not get refund caused they consider it authorized since I used XXXXXXXX XXXX before.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax has an incorrect address and name tied to my ssn that Im not familiar with and its been hindering my credit for years.Everytime a financial institution runs my credit, its always there and I just want it gone.Thanks and XXXX bless!
Product: Mortgage

been trying to get a better mortgage rate so when i reach out to different lenders they submit there paper work they ask my loan company for my documents then my loan company charges me a fee for this I've been charged over a hundred dollars in fees for this did not realize this at first so when I called the companies requesting my documents they said they have never heard of this
Product: Money transfer, virtual currency, or money service

I accidentally sent {$1000.00} to the wrong person via Zelle. I never even had the opportunity to confirm the number. I tried to cancel the transfer but XXXX XXXX XXXXXXXX said it was too late.