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

We leased a car in which US Bank is the lease holder on XX/XX/16. For the last two and a half years we have been trying to get a resolve to the fact that we are being charged for a personal property tax for a county we don't live in. We are being billed for two personal property taxes. We live in the County of XXXX not the City of XXXXXXXX. We have brought it to there attention and they said they have submitted 12+ claims to have it adjusted and they show we do not reside in that county. Each time we call they say it is documented and shows their error. The City of XXXX has no record of us living there or billing US Bank either. Each month when the lease bill comes it is not resolved. We have spent countless hours on the phone with them with promises of phone calls back and it being resolved to nothing. The lease is up in a few months and the car is being returned. We are not responsible for their mistake on their end and want this resolved.
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 ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account unprotected Furthermore, their dispute resolution process was deceptive as they did not comply with error resolution requirements under the Electric Funds Transfer Act ( EFTA ) and regulation E these actions have caused significant financial loss, and I seek appropriate reimbursement for the violations.
Product: Credit reporting

The item in question is for XXXX XXXX XXXX, an old checking acct that went into default in XX/XX/XXXX during a job loss. The acct was paid in full XX/XX/XXXX. I am currently a member in good standing again with them. I noticed on my credit reports that after the acct was paid, the account is listed as a JOINT acct with my daughter, XXXX XXXX. The acct was set up in XX/XX/XXXX, my daughter was XXXX years old at the time, born in XX/XX/XXXX, & could n't possibly have been a true " joint '' owner. While at the branch discussing the acct, I was told that back then that is how they listed POD accts, as joint. So when it went into default, it went on her credit report as well, and has ruined her credit wrongfully. I went to the branch that I do business with, spoke with the mgr, XXXX XXXX, and was advised that he would look into it. No changes were made. I disputed the accts with all XXXX CRA 's, XXXX was the only one what was kind enough originally to address and remove the TL due to the unfortunate situation, XXXX removed after a CFPB dispute. After my EX dispute, the closed account has been " updated '' XX/XX/XXXX and has been closed since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

HELLO, I AM EMAILING BECAUSE I WOKE UP TO AN ALERT THAT MY CREDIT SCORE DROPPED BY XXXX POINTS DUE TO LOAN CARE FLAGGING MY ACCOUNT AS 30 DAYS PAST DUE. I AM CURRENTLY PENDING APPROVAL OF MY MORTAGE ASSISTANCE APPLICATION. I WAS TOLD IN MY CALLS CALL WITH LOANCARE WHILE MY APPLICATION IS UNDER REVIEW I WILL NOT SEE ANY CHANGES TO MY CREDIT REPORT. PLEASE ADVISE WHY YOU ALL REPORTED MY ACCOUNT DELIQUENT WHEN I AM STILL PENDING THE RESULTS OF A MORTAGE ASSISTANCE APPLICATION. 

ALSO THERE IS NO FAQ OR ANY AGREEMENT WITHIN THE MORTAGE ASSISTANCE APPLICATION THAT I UNDERSTAND THAT MY ACCOUNT WOULD BE REPORTED AS DELIQUENT IF I FAIL TO MAKE MY PAYMENTS WHILE UNDER THIS REVIEW. 

PLEASE SEE THE ATTACHED APPLICATION WHICH IS CURRENTLY UNDER REVIEW. AGAIN THE APPLICATION DOES NOT SAY I UNDERSTAND AND AGREE THAT MY ACCOUNT WILL BE REPORTED DELIQUENT TO THE CREDIT BUREAUS. OTHERWISE, WHAT IS THE POINT OF THIS APPLICATION?! 

PLEASE ADVISE,
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
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
Product: Money transfer, virtual currency, or money service

have constantly called and called and Ive done everything I needed to do on my end and my part to ensure that I get the refund back for the money orders that were supposedly stolen out of an addressed mailbox for my old property manager this has been an ongoing thing for 7 MONTHS NOW! I have called and spoke with a MILLION REPRESENTATIVES and got a million and one case numbers!! I have spoken with supervisors! I have got all evidence and paperwork filled out notarized and kept a paper trail of my WHOLE process!! Im spending money after money to get this issue resolved and still havent been refunded my {$1700.00} dollars! That I got EVICTED FOR TAKING to court and a property manager stating that she hasnt received payment from these EXACT MONEY ORDERS THAT I PUT A STOP AND CANCELLATION FOR!!!! I FILLED OUT the necessary information to get these money orders STOPPED and cancelled the NEXT DAY XX/XX/year>, after I purchased them on the XXXX of XX/XX/year> so HOW WERE THEY STILL even allowed to be cashed when the money orders should have been FLAGGED OR STOPPED!!! Because they were allowed to be cashed TWO WEEKS AFTER THEY WERE REPORTED STOLEN/MISSING to western union ! ! I have spoken with EVERYBODY at western union and NONE of them are all on the same page with NOTHING!! One person tells me one thing and the next 15 people tell me something else!! Now they are sending me back letters to get the PAYEE to fill out an affidavit when me and her NO LONGER HAVE CONTACT!!! We have had to see each other in court on top of me losing a place for me and my kids to call home when I have followed every protocol to get this money back!!! Now this is affecting MY CREDIT because shes saying that she never received payment!! they have guys the CASHED MONEY ORDER receipt and see there was NO ALTERATIONS ON THE MONEY ORDER THEN EVIDENTLY, THEY WERE CASHED from someone who works at the old property why would I take some paperwork to a FRAUD and have her fill anything out when she doesnt even want to work with me! Im sure before the money orders were cashed the person who cashed them HAD TO PRESENT an id!!! I have done everything on my part and still havent received ANYTHING!!! Western union have FAILED me as a customer and are not working on my side in this matter!
Product: Credit reporting, credit repair services, or other personal consumer reports

customer service would not help and take care of the negative inquiries i dont recognize reporting to my credit report. 


XXXX inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX DE XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX
Product: Credit card

Credit card company transferred a charge from a previously closed account to a new account without our authorization. ( The supplier had been authorized on the previous account. )
Product: Consumer Loan

I requested a XXXX month deferment on XXXX/XXXX/15 because I was in between jobs and was going to receive a short check. I paid the {$99.00} that was required to activate the extension on XXXX, and received a letter shortly after stating the extension was approved & my next payment is n't due until XXXX. I started receving collections calls a few days after regarding the unpaid amount. I explained my extension & was told a request/followup will be sent to the extension dpt & my account should reflect accordingly. Well, that did n't happend & I kept receiving calls ( about XXXX in one month ). Up until today XXXX I have called XXXX times to get this matter resolved & each time I get the response " we will send this to the ext dpt for review '' It is now OVER a month after I initially requested the extension, and my bill is due today & the extension is STILL not reflected even after XXXX different requests have been submitted. I spoke with a supervisor today, XXXX, who says the system thought the extension was for XXXX & not XXXX & that 's why the letter had my next due date for XXXX but everytime I spoke with a rep they seemed to know my extension request was for XXXX. She said she will also send a followup, and I asked for something in writing that reflects the correct dates my payments are due. I do n't have a problem paying the amount due in XXXX but I do n't think it is fair since ally did n't get it right the first time, and I should n't be penalized for a " system error '' when going off the due date I have in writing from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing or XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.
Product: Credit reporting or other personal consumer reports

Verification of Charge off and 1099-c for account XXXX. 
Dear JPMCB, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-c for the account associated with the reference number XXXX. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If your company does not have these documents a request for deletion from all major credit reporting agencies immediately within 3 business days. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. 
Thank you for your cooperation in providing the necessary documentation for this verification process.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) ( XXXX ) The reporting of this account is inaccurate. I have disputed this with the credit bureaus for 5 or 6 times already but they still have not removed this account from my report. I have indicated in my letters the reason why they need to delete this account. First, the date opened and closed is inaccurate. Second, the balance owed is incorrect. I do not owe them {$340.00}. I have asked them to validate this account but their response is misleading.
Product: Debt collection

This is with regard to Skagit Bonded Collectors. This collection agency employs my ex-husband. I have requested that, due to my belief that this situation is retaliatory, that they cease all activities and remove the accounts from my credit and their offices. My ex-husband has disclosed the debts to our children, while he was at work. When I wrote a letter of complaint to the collection agency, I received a letter in response telling me they saw no third party disclosure. Unfortunately, I too am a debt collector and know the law. They are not allowed to discuss my debts with anyone other than myself. That includes my ex who not only disclosed the debts to my children violating the law but also disclosed accounts that were placed in his employers office. I am asking that, due to these violations, these be removed immediately from my credit report and sent back to the original creditors as noncollectable due to a conflict of interest.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXXour business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

XX/XX/2020 the amounts are the following : {$31.00} and {$81.00}. The company stated it takes 5 business days another stated it takes 4 business days for pending transaction to remain in pending but the bank information states 3 business days. The representative was asked to released the {$31.00} because it will not be shipped due to the Covid 19. They refused. This has happen several times with this bank causing NSF in my account. The bank representatives was read the disclosure verbatim and was told were to find the disclosure.
Product: Debt collection

AR RESOURCES INC OPENED A COLLECTION ACCOUNT ON XXXX15 FOR {$610.00} ON BEHALF OF XXXX XXXX XXXX. AR RESOURCES INC IS REPORTING THIS DEBT TO THE CREDIT BUREAUS. THIS AMOUNT SHOULD NOT HAVE BEEN REPORTED TO COLLECTIONS BECAUSE IT RELATES TO EMERGENCY SERVICES PROVIDED TO ME THAT WERE COVERED BY FINANCIAL AID THE HOSPITAL APPROVED. THERE WAS AN APPARENT LACK OF COMMUNICATION BETWEEN THE HOSPITAL AND THE PHYSICIANS IN THIS REGARD. THERE IS NO DEBT.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9800.00} These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ACCOUNT # 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: Credit card or prepaid card

The problem is with JP Morgan Chase 's credit card product, Chase Sapphire Reserve, and their Card Benefits Service. 

I filed a Trip Cancellation claim ( accompanied by all required documentation supporting the covered event ) via their website XXXX XXXX XXXX on XX/XX/XXXX for an incident which occurred on XX/XX/XXXX. 

Since that time, I have followed up via telephone on XX/XX/XXXX and XX/XX/XXXX, as well as regularly checked the status of this claim online multiple times and received the same response : my case is pending. 

I submitted emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only email submission that Card Benefits Service responded to was my XX/XX/XXXX email where I advised them that I would be contacting the CFPB if my claim was not adjudicated ; their response was to assert that I needed to provide documentation that I had already provided. 

It has been over 5 MONTHS since I filed my claim. As of today, XX/XX/XXXX, their web portal continues to show my claim as PENDING ( screenshot attached ). 

Card Benefits Service operates in bad faith, giving the consumer the run around when they even bother to respond, in a clear effort to not pay the claim. The CFPB should have this company on their radar as they operate in a borderline fraudulent manner. Plenty of complaints on the XXXX XXXX XXXX, XXXX XXXX, XXXX, etc. attest to the fact that my experience is not an isolated one but rather, the way Card Benefits Service does business.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Target account # XXXX has violated my rights. 

15 USC XXXX Section XXXX states I have the right to privacy. 

15 USC XXXX Section XXXX A Section XXXX : XXXX also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC XXXXB : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Money transfer, virtual currency, or money service

PayPal won't allow me to withdraw, transfer or send money through other PayPal users. No email or notification why they are not allowing me to do that. They actually hold my money and I'm not allowed to withdraw, transfer or send money.. I tried to contact them but no reply. Maybe this complain can reach them.
Product: Checking or savings account

I opened a bank account through Current an online banking institution that reportedly provided teen checking where I could have my sons allowance deducted from my pay and transferred into his account. I was charged {$36.00} for annual subscription services and after this amount was deducted, it took 7 days following my date of pay for the {$20.00} allowance to be deposited into my sons current account. Then the amount would be on hold for 2-3 business days. I have contacted them on numerous occasions dating back to XX/XX/20 requesting that my personal banking information be removed and to close the account. I have not received a response following 3 outreaches. I attempted to engage them this evening by chat to make my request and waited 1 hour and 23 minutes with no response. I want to file a complaint against the institution for refusing to remove my banking information and not closing the account.
Product: Mortgage

The mortgage company changed the loan terms to a more expensive loan well after it was aware of the change in circumstance that they allege necessitated the change. It seems they implemented a fraudulent bait-and-switch. 
After shopping around for loans, we went with this particular company because of they offered loan with a lower interest rate and a substantial lender credit. Apparently this loan was based on the property we were purchasing being a town home - as opposed to a condo. When we initially spoke with the loan officer, we noted that we did not know if the property was a town home or condo, and that we did n't even know the legal difference. The loan officer went with a town home when generating the loan estimate, without letting us know that the loan would be significantly worse if the property is a condo. It is noteworthy that the loan officer was viewing the property listing and the listing indicated the home is a condo. Thus, the loan office should have known the correct type of property at this time. 
Regardless, well into escrow, almost approaching the originally promised close date, the loan company informed us and sent us a revised loan estimate specifying a loan that eliminated the lender credit, now required us to pay points, and required a much larger down payment. ( Interestingly, the revised closing estimate did not compare the revised loan with the original loan. ) The loan company said that this change was due to finding out from the appraisal report that the property is actually a condo. However, the appraisal report was sent to and reviewed by the loan company 10 days before they sent us the revised loan estimate. This clearly violates the Consumer Protection Rules that any revised loan estimate having such a large change be provided to the buyer within three days of the " changed circumstance '' that triggered the change. 
We attempted many times to resolve this issue with the loan company, but they would never work with us and instead tried blaming us for the error, claiming we told them the property was a town home, which we did not. 
This process seemed to us to be a fraudulent bait-and-switch, where the loan company promised us favorable terms to effectively bait us in, and then switch to a less favorable loan when we were well through the process, knowing that we would have a very difficult time switching to a different loan at that time.
Product: Credit card or prepaid card

I received a notification that a check in the amount of {$100.00} + had been sent to me for a refund of a credit card overpayment. I never received the refund check and called Best Buy credit to complaint about it on several occasions. They stated that they will research the check and will refund me the money if the check has not been cashed. Nevertheless, Best Buy credit send me a letter stating that the discussed refund check was never cashed. I have called Best Buy Credit on several occasions to process the refund check again or deposit it directly into my bank account. After several failed attempts and promises that the refund will be paid, I am submitting this complaint. Best Buy credit billing Accounting system is a mess, they misplaced payments and also send erroneous bills.