23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Filed a City credit card dispute re {$65.00} charge for an unsatisfactory XXXX XXXX XXXX service XXXX Disputed the charge with my Citi credit card online -but I had no scanner to send them all the additional documents in time, and my internet was cut for 2 months since I was in the hospital due to covid related respiratory problems, I was 1 month late to submit doc requested by citi card dispute service deadline of XXXX The dispute was denied due to late documentation-and Citi threaten me to send my acc to collection even is in good standing? Unnecessary cruelty? 
attached In the same time City customer service sent me a letter to confirm I am eligible for assistance? I asked assistance to waiver of the deadline to send my doc but they refused me.I appealed this decision but refused again.Where is the promised assistance? I did not asked for any money or later payments. 
Why the Dispute department is not aware I am qualified for assistance and they are insensitive maybe too lazy to contact the merchant in an attempt to protect abusive businesses and hurt customers after the promised " assistance ''.
Product: Consumer Loan

It was never explained to me how a simple interest loan repayment plan works from the dealership where I got the car. 3 years of payments and near $ XXXX later, I 'm told that a majority of the funds I have paid went to paying interest per day accrued rather than to the principal balance! Now they say I owe $ XXXX on an original $ XXXX loan from 3 years ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with DSNB MACYS, SEARS/CBNA, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DSNB   MACYS, SEARS/CBNA, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( block , Inc ) due to inadequate customer service and unfair practices, witch violate the consumer financial protection act. ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraud on there platform. Leaving my account vulnerable and unprotected. Furthermore there 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. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My consumer reports has old outdated addresses that I am no longer residing at. My name is also displayed on my consumer report in accurate with spelling and multiple times.
Product: Credit reporting or other personal consumer reports

I mailed certified USPS Identity Theft Report to Transunion XX/XX/2024 I filled a complaint with CFPB XXXX I listed all the accounts and inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen. Through an XXXX XXXX service I became aware that someone was trying to open accounts and set up credit cards in my name. I instantly froze my credit through XXXX, Experian, and XXXX. I also called each of the credit lenders I was aware of ( XXXX, XXXX XXXX, XXXX, XXXX ) to report the fraud. 

I then received an email from Experian indicating my email address linked to the account had been changed. I was then unable to log back into the account and Experian said my username did not exist, so I clicked " Forgot Username ''. After entering personal information I was told my username had been sent to a XXXX- which is not my email address. So I had no way to recover my account and it was likely that this person had unfrozen my credit through Experian. 

I have read that Experian has a unique vulnerability that neither XXXX nor XXXX have. A bad actor can simply create a new account using the stolen information ( SS #, name, DOB, and address ). 

I tried to copy this method and create a new account under my name, but the Experian website said it was having problems processing my request. I tried to call Experian. I was able to get in touch with a person who said the problem was being escalated and gave me an escalation number and said I would hear from someone else. I have not heard from anyone else and it is incredibly difficult to get someone on the phone at Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX  account # XXXX, XXXX XXXX XXXX  account # XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX 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 reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Equifax reported getting 'hacked ' back in XX/XX/XXXX-XX/XX/XXXX and losing personal information for 143 million US adults. 

XX/XX/XXXX - Checked with Equifax ' " Potential Impact '' website ( https : //www.equifaxsecurity2017.comXXXX ) to see if I was affected. Upon checking, I get the message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' Put a 90-day fraud alert on my credit and will now have to constantly be paranoid about anything/everything that will occur from the misuse of my personal information that Equifax was too inept to properly protect in the first place ( information I never willingly gave them in the first place ).
This is not something that can be resolved with one year fraud protection which Equifax promises using their TrustedID Premier.
Product: Credit card or prepaid card

The companies name is Genesis FS card service at. XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX I am disputing this because I made a payment on XX/XX/XXXX of XX/XX/XXXX to the card services in the amount of {$110.00}, I have spoken to several agents and several supervisors and nothing has been done Ive gotten no response and no calls no letters on the situation Ive also went through a dispute center and still nothing we are in another year and I havent gotten any kind of Response. I then e mail XXXX from XXXX XXXX and she gave me you. I truly hope you can help .Than You : :my email is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX
Product: Credit reporting or other personal consumer reports

THERE ARE CREDIT INQUIRIES ON MY CREDIT REPORT THAT I DO NOT RECOGNIZE. PLEASE REMOVE IMMEDIATELY. THEY ARE BELOW. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting this account or if this account even belong to me. I have sent 4th dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Debt collection

I submitted a cease and desist notice to Lendnation via email on XX/XX/scrub>XXXX XXXX  requesting that they cease contacting me and the people i listed as rederences via telephone. Since the cease and desist was submitted in writing I have been contacted via telephone regarding my debt. The collector did not notify me that they were calling in an attempt to collect a debt which is a violation of the FDCPA. I notified the collector that I had submitted a cease and desist and they said they were not aware of it. I asked them to review their records and update my file. I have attached the email I sent to lendnation and the phone log showing their violation of the crash and desist.
Product: Credit card or prepaid card

On XX/XX/2021 I contacted Wells Fargo XXXX XXXX visa XXXX XXXX to request the finance charge amount on my credit card. The representative told me that she would as out the finance charge information via an encrypted email within XXXX days. However, I gave never received the information the company has been trying to charge me, late fees, interest fees, annual fees, ect. I am aware that pursuant to 15 USC 1605 ( a ) a finance charge is the sum of all charges. I am also aware that attempting to collect any amount besides the finance charge is a violation of 15 USC 1692e ( 2 ) ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from Navient to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since Navient runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.
Product: Mortgage

I made a payment to Mr Cooper mortgage company for a payment that included past months interest and additional payment to principal to satisfy balance of mortgage in the amount {$12000.00} with XXXX towards principal. I indicated payment on coupon provided. They would not cash check. They said they required certified funds. Checking account had more than enough of check. In addition check has not been returned. Customer service Agent from a call center could not help me. I told her I would file a complaint.
Product: Checking or savings account

TD bank gave me a phone number for XXXX. I was trying to give apple a new debit card number because my card had been compromised. TD Bank gave me a fraudulent number to call. It is NOT XXXX. TD bank manager knows they gave out a wrong number and they declined my dispute on all the charges
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I uploaded 4 documents, per TVPA XXXX, which included a letter from a Non-governmental agency ( NGO ) certifying that I was a victim of human trafficking, a copy of my ID, a copy of my utility bill, and a self-attestation letter with the accounts and information to be removed from my credit report AND credit file, to both Equifax and XXXX via their websites. This was done to also ensure that the information was inputted into the e-Oscar system. Per the TVPA, credit reporting agencies MUST remove the accounts listed by the victim, from their credit reports within 4 ( FOUR ) DAYS. I waited 6 business days and BOTH XXXX and Equifax failed to remove the accounts. 

On or about XX/XX/XXXX, Equifax sent me an email requesting that I submit documentation for my claims of being a victim under TVPA, for which I had already submitted the required documentation. I then called Equifax and had a conversation with an employee who identified himself as " XXXX '' and stated he was a " supervisor '' for the department that handles issues with victims of human trafficking. During the conversation, " XXXX '' informed me that Equifax was questioning the validity of the letter I uploaded from the NGO. When I asked if under the law, Equifax had the authority to question the validity of a victim certification letter submitted by an NGO, he stated yes as it was part of their job. I then stated that if there was a question, why Equifax did not call the NGO and/or do a organization search to confirm their validity prior to denying my federal rights as a victim under TVPA. He only stated again that Equifax was questioning the validity of the letter. During the call, I informed " XXXX '' that I was recording the call for my protection under federal consumer protection rights. " XXXX '' then told me that Equifax records the call but I was not allowed to record due to Equifax 's policies. I then stated that I was in a state that requires consent to recording and I was not informed that the call was being recorded UNTIL I stated that I was recording the call. Thus, Equifax was recording WITHOUT informing and receiving my consent. This is a violation of TCPA and UDAAP. I have retained a recording of this phone communication. 

XXXX has failed to communicate with me within a timely manner regarding my submissions as a victim under TVPA. 

To date, XXXX, XXXX, XXXX, neither Equifax or XXXX, have complied with TVPA by complying with my federal rights as a victim under TVPA. This exceeds the 4 ( FOUR ) days, albeit business or calendar, in which credit reporting agencies are required by federal law to act on behalf of victims under TVPA.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

There was a VA streamline program that would allow me to skip XXXX months payments ( refinance ) but when I asked about it, I was told that it didnt make sense to do it because the interest rates hadnt dropped. Soon afterwards, the rates did drop but since I was already a month behind, I didnt qualify for the streamline program. What put me a month behind was that the department of defense began garnishing my wages for $ XXXX a month until an erroneous debt was reclaimed that totaled less than $ XXXX. Just before they began taking the money, I received a letter stating that I didnt owe it. When I took that letter to finance, they told me that theyd have to finish taking out all the money before I could apply for it to be refunded. After 6 months, I did apply for the refund and it was all refunded 3 months later. I explained this to Wells Fargo Bank and attempted to work something out but by that time, their offer was too much to pay. I kept them informed of the situation leading up to the reimbursement. Ive had traumatic nightmares about this for years. As a result of the court case, I was supposed to receive the check that never came.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, I dont know who accounts these belong too can you please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/XXXX and XX/XX/XXXX. I told Transunion to investigate every piece of information on the accounts I listed below. I attached both letters from said dates. I am also attaching my most recent letter I sent out on XX/XX/XXXX. I sent all letters certified mail and have proof they received. According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. They also have not sent me copies of the documents or items they use to verify these accounts. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

Listed Accounts 1. XXXX XXXX Unverified Account 2. XXXX XXXX Unverified Account 3. XXXX XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in several letters to experian XXXX and XXXX and they are not reporting in a timely mannor. or removing ir responding back to me
Product: Checking or savings account

Spoke with Fraud Dept. 
Requested closure for last time XXXX XX/XX/2021 Directed to call this day contacted XXXX More fraud/suspicious charges on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 XXXXXXXX ... ... HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall 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

XXXX XXXX SS # XXXX, XXXX XXXX XX/XX/XXXX THIS CFPB COMPLAINT HAS BEEN FILED TO REQUEST PURSUANT TO FCRA 605B ( 15 U.S.C 1681c-2 ) THAT YOU, THE CREDIT REPORTING AGENCY, BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT REPORT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT. THIS FRAUDULENT, INACCURATE, AND FALSE INFORMATION CONSISTS OF A PERSONAL AUTO LOAN ACCOUNT OPENED AT XXXX XXXX UNDER ACCOUNT NUMBER XXXX, AN PERSONAL LOAN OPENED AT XXXX XXXX XXXX ON XX/XX/XXXX UNDER ACCOUNT NUMBER XXXX. THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT HARD INQUIRIES AND FRAUDULENT COLLECTIONS/CHARGE-OFF APPEARING ON MY CONSUMER FICO CREDIT REPORT. I'VE ATTACHED A LIST OF THE HARD INQUIRIES IN QUESTION AS WELL AS A COPY OF THE ITEMS. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES APPEARING ON MY CONSUMER CREDIT REPORT MAINTAINED BY YOU WERE NOT OPENED, MADE, OR INITIATED BY ME. ALL OF THE AFOREMENTIONED ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. I HAVE ATTACHED A COPY OF A FTC IDENTITY THEFT CRIMINAL COMPLAINT AS PROOF FROM THE US FEDERAL TRADE COMMISSION THAT ALL OF THE AFOREMENTIONED CONSUMER CREDIT ACCOUNTS, COLLECTIONS/CHARGE-OFFS AND HARD INQUIRIES ARE THE RESULT OF IDENTITY THEFT AND FRAUD. INQUIRES 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 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: Debt collection

On XX/XX/2023 Southwest Credit system flagged my credit report as a collection and it has decreased my credit score by XXXX points. I have never received anything by mail or phone call owing any type of debt to Southwest Credit System. I asked that they please verify this debt owed.