23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : DEPT OF EDUCATIONXXXX - XXXX - There is not a single late remark on this account. Please update this to positive. This is unfair and unlawful. 

XXXX XXXX XXXX XXXXXX/XX/2023 - The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Checking or savings account

I opened my account around XX/XX/2018 on Citibank branch, There is a promotion : 1. Within 30 days of opening your account deposit {$15000.00} New-to-Citibank funds into the new checking and/or savings account. 
2. Maintain a minimum balance of {$15000.00} in your eligible linked checking and/or savings account for 60 days. 
3. Get {$400.00} deposited to your account I meet the requirements but didn't receive any bonuses, I called citibank, they say they can't see this promotion on my account thus couldn't verify it.
Product: Consumer Loan

. XXXX XXXX 2015 I took in my {$57000.00} XXXX to XXXX and traded it in for a {$22000.00} XXXX and {$13000.00} cash to my understanding unbeknown to me a contract to Westlake financial my car get impounded Westlake pick the car up inform them that they stole my car from the police impound and I had no idea who they were they made me to pay them {$23.00} to make a long story short they charge me repo fees for my first payment was due for a contract that I did n't even know I had before it was all over the charge me 19 times for repose and my car was never even repo XXXX I paid {$22000.00} an extra repo fees then my car. Police impound again in XXXX my car got impounded again Westlake picked up my car again from police impound I called to ask how much money I owe them they told me how much money do you have I said XXXX I said hold on and then told me that I told him they needed to {$3300.00} this time I told him I did n't have it then I 've ended up paying in the money I want you to auto auction to pick up my car where I always pick it up at they said it was n't there 's call Westlake I called Westlake they told me I was at the XXXX and to go pick it up when picked it up there was no registration no plate on it so I took it down and got it reregistered about a month and a half later the police showed up at my house saying they were running my plate that my vehicle was reported stolen then a left and then it came back and they said they want to run the VIN and it came back stolen supposedly I should have all the paperwork another card with money in my name for nine months and that I traded to my car in for it and everything and the police took it upon themselves after seeing all the paperwork in the impound with all my paperwork instead some car lot reported it stolen I received a notice in the mail telling me they recovered my stolen vehicle at the police department and you come get it upon trying to get it back from the police department they informed me that it was still being held for evidence then I spoke to the detective on the phone he told me that it looks like I can afford the car and he was going to give it back to the finance company so I called the finance company two days later and they had already sold it my car payments were never late they had no reason to repo my vehicle I feel that this unfairly stole my vehicle I paid {$84000.00} total on that car I have all the receipts and I want my car back so now I 'm left with no car and my money is just out the door please help there 's more to the story but it wo n't fit please let me know what you can do I never broke the contract I have all receipts they charged me for recovery fees beforebfirst payment was due plus 19times for repost fees at XXXX to XXXX each time they 'd give me run around when trying to herbaceous back pass call around office stole my belongings out of car refused to give car with out full fees plus I paid 9 months of payments at XXXX they acted like collections hung up on me gave fake names when I asked whom I spoke to and later called back to speak to that person and telling me that person do n't work there they lied Alot
Product: Credit card

I have attempted to change my mailing address for my Capital One credit card. I had a Capital one external savings account and credit card. My external saving account statements were mailed to the correct address on file bit my credit card statements continued to be mailed to my XXXX address instead of my Ohio address. Capital One did not change my address or update my credit card mailing address to match my external savings account address. My credit card statements continually arrived after the due date which ensured continued late fees. 

I have closed both my external savings account and credit card because of this. I try to make timely payments but continue to incur fees due to not receiving my paper statements on time eventhough I have continued to tell Capital One my correct address. 

Additionally, on XXXX, XXXX, I made an automated phone payment for {$73.00} to try to stop the charges by XXXX  my balance and anticipate the {$25.00} charge that would be sent to The XXXX XXXX XXXX ( the only thing I charged on this credit card ) .Capital One accepted a payment of XXXX instead furthering the collection of interest and late fees. I attempted to have these removed but was denied when Capital One refused accountability.
Product: Mortgage

See PDF letter and attachment. 

We would like to make a complaint about PNC National Bank wrongfully doing business and missing more than {$6000.00} of principal payments in our HELOC account. As a financial institution, how PNC mishandles customers money is unacceptable. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, we have made a total of {$6500.00} principal-only payments. As of XX/XX/XXXX, our account shows the principal balance is {$140000.00}, which means more than {$6000.00} principal payments have disappeared.
Product: Credit card or prepaid card

On XX/XX/XXXX, I was preparing a large order on Home Depot 's website. When I went to checkout, the site displayed an advertisement stating that if I applied and was approved for a Home Depot credit card, I would receive {$100.00} off an order of {$1000.00} or more if I used that credit card to make the purchase. 

I applied for the card online by clicking on the advertisement, and I was approved. However, the credit limit imposed on the card was {$800.00}, meaning that I was unable to use the card to make the purchase and receive the advertised offer. 

I believe that this offer is a bait and switch, as there is no reason why the credit limit on the card should be so low. Information that was requested when I applied for the card, which I provided, was that I make {$95000.00} per year, and own my home outright ( no monthly payment ). My credit score is well above 700, I have an excellent credit history, and I have no outstanding or past due balances anywhere. 

For me to be issued a card with a limit of {$800.00} means that nearly anyone who applies for the same card via the promotional offer on the website will similarly be issued a card with a limit lower than that which would be required to take advantage of the advertised offer.

My only interest in obtaining a Home Depot credit card was to receive the offer that was advertised to me, and I was not able to do this because they put an unreasonably low limit on the card. As a result, not only did I not receive any discount on my order, but my credit score will also suffer as the result of an additional hard inquiry.
Product: Mortgage

RUSHMORE LOAN MANAGEMENT SERVICES, is attempting to foreclose on my home XXXX XXXX 2017 with an assignment that been robo signed. I asked for proof of claim and debt validation none of my request have been responding to. I also mailed a QWR, and it has been responded to either.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name :, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concerns regarding the accuracy of the information contained in my credit report, as maintained by your agency. Pursuant to 15 U.S. Code 1681e ( b ), credit reporting agencies are legally obligated to ensure the accuracy of consumer credit reports. However, despite repeated attempts to rectify wrong and deleted accounts in my credit report, I am deeply disappointed by the failures of your agency in fulfilling this obligation. 

I have diligently pursued the correction of wrong information by providing documented evidence to support the necessary corrections. Despite my efforts, the credit bureausEquifax, Experian, and XXXX persistently failed to take appropriate action. This flagrant disregard for accuracy not only undermines the credibility of the credit reporting system but also directly harms consumers by impeding their access to credit and financial opportunities. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) ( A ), credit reporting agencies are required to conduct reasonable investigations upon receiving disputes regarding the accuracy of information in a consumer 's credit report. However, the investigations conducted by your agency have been grossly inadequate. Instead of diligently investigating and rectifying the inaccuracies as mandated by law, the credit bureaus have routinely dismissed valid disputes without conducting thorough investigations, thereby perpetuating erroneous information on my credit report. 

I hereby demand the immediate removal of the following inaccurate items from my credit report : XXXX XXXX XXXX XXXX {$9800.00} XXXX {$740.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX {$9100.00} XXXX XXXX XXXX XXXXXXXX {$9900.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$360.00} XXXX expect prompt action to rectify these inaccuracies and ensure the integrity of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY IDENTITY AND OPEN SEVERAL ACCOUNTS WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

On XXXX XX/XX/2021, I received a letter from a debt collector ( RFGI ) that I owed {$230.00} to a company named " XXXX ''. I immediately tried to call eharmony but there were no responses nor any valid online phone numbers. I followed up with a call to RFGI which I informed them that I did not have any services with XXXX. That same day, I filed a file report to notify my local precinct that my identity had been stolen to create this account. The case number is XXXX. 

I am requesting that your agency notify RFGI and XXXX that any charges are identity theft-related and should be removed.
Product: Debt collection

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX American Express XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Violation of the Card Holder Agreement Acct : XXXX Dear American Express, Greetings, I have recently viewed my credit report and I n

oticed something strange as it pertains to what you are reporting to the 3 major credit bureaus. Upon signing up and accepting the terms of the credit card associated with this account, it is written in the agreement that all disputes should be handled via arbitration. Unfortunately, there has been no filing or initiation of arbitration from either party. This is a material breach of the arbitration agreement we had. To add to that, you continued in those efforts and sold this debt to a third-party debt collector after have charging it off. I am certain you were able to communicate the details of your dispute before deciding to breach the contract. It can be safely assumed that you were willfully neglectful in your duties to uphold the agreement set forth by this company. This letter is a humble attempt at seeking to have this discrepancy resolved both promptly and amicably. With that, my demands are as follows : 1. You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; 2. A settlement agreement that I may retain for my records. 3. Monetary compensation in the amount of {$1000.00}. While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. If that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 
Sincerely, XXXX XXXX
Product: Debt collection

Enhanced Recovery Company is violating Fair Debt Collection Practices Act trying to collect interest, fees, or other charges on top of amount or fraudulently changed amount from previous closed account with XXXX XXXX XXXX, previous amount was XXXX XXXX reported XX/XX/2020 and ERC is reporting XXXX as of XX/XX/2020. This is a violation and the account needs to be removed immediatly. ERC has also re-aged the account as well, causing the negative credit report entry to remain on my reports longer than is legally permitted. ERC never sent any mailed notification of the account not allowing me to attempt to validate the debt.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to report late payments on the account listed as XXXX Account # XXXX Transunion report late payments for XX/XX/year> and XX/XX/year> XXXX XX/XX/year> and XX/XX/year> XXXX XXXXXXXX XXXX  and XX/XX/year> these late payments do not match up so that means this information has not been verified as accurate. Furthermore this account can not be reported late. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cash app ( block Inc. ) due to adequate customer service and unfair practices which violates the customer financial protection act specifically cash app failed to make time specifically, cash app failed to make timely an effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, they're dispute process was deceptive and unfair as they did not comply with error resolution under the electronic fund transfer act. These actions have cause significant inconvenience and financial loss and I seek the appropriate redress for these violations
Product: Checking or savings account

Received a letter requesting my SSN to be given to Bank of America or else my accounts with them will be closed. I went to a branch on XX/XX/18 showed them my SSN and personal information. Spoke with XXXX a bank phone representative, and XXXX XXXX ( manager ) on XX/XX/18 but they're still indicating my accounts will be closed by Bank of America. 

I have banked with then for more than 10 years, I had a mortgage account, credit cards so they do have my SSN number. It is not fair that they are closing my accounts even after I have provided them the required information they have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}, {$12000.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$4500.00} -This is not my account. 

XXXX. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account.
Product: Money transfer, virtual currency, or money service

I am filling this complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates 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 these violations.
Product: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy act ( FERPA ) which protects the privacy of student education records, 20 USC 1232g ( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping which has an abundance of information about handling the releases of education records which includes transaction history - including loan amount. XXXX, Experian nor XXXX is suppose to have this information. I did not consent, I do not consent. and the Privacy Act of 1974 Covers this non public information as well from be given to 3rd parties and or non affiliates.
Product: Debt collection

I want this removed from my credit report and possibly perusing legal action due to causing detrimental financial issues from lack of employment opportunities.
Product: Debt collection

The debt has shown on my credit report in XXXX separate spots. I do n't know what for .. When I called I was decided a statement. 
Progressive mgmt systems.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and I believe the following item of information to be inaccurate : Account Name : XXXX XXXX Account Number : XXXX I believe the following account on my credit report is reporting inaccurately and is incomplete. I believe the payment history and terms is inaccurate on the credit report. I ask that you investigate this account for completeness and accuracy and notify the furnisher that this item of information is being disputed. I also ask that you consider all relevant information I have included with this dispute.