23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I 've been trying to dispute this account for over a year and still no resolution. I 've attempted calling many times over the year. On XX/XX/XXXX, I disputed an account with AFNI, Inc., about a debt that they are reporting on all 3 of my credit reports, in the amount of {$470.00}, being that I have NEVER had a contract with them and I have not received any debt validation from them with anything signed by me. They then had my credit reports updated on XX/XX/XXXX and is still reporting which is a violation of the FCRA. I demand that this item be taken off my report immediately as it is affecting my ability to obtain needed loans and or credit. They are scamming people and very belligerent, unprofessional and rude when you call in to speak with them. In addition, this company does n't show as being licensed to collect in the state of Texas under the address and phone # that is being reported in my reports which is : Creditor Information AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
Product: Credit card

I received a card from Current that I did not apply for. It is a Current Build card. My credit is frozen due to identity theft, but because this is a secured credit card they do not run a credit check, they just confirm applicant information is valid for anyone who inputs it. They do not offer any telephone support on weekends or provide contact info for their fraud department. Support is available only via email or their app, but to receive support via the app you have to create an account, which requires submitting private information like SSN, DOB, etc. When contacted via email, they demand the same private info be sent via email, which is an insecure form of communication. They do not offer alternatives to this and refuse to provide contact info for a fraud report. This is beyond irresponsible ; it is negligent and should be illegal. They should be required to provide a means of contact for fraud reports given that their actions 1 ) expose private information by confirming its veracity in issuing a card when info is submitted and 2 ) can negatively impact credit because they report information to credit bureaus when issues arise. They should also be prohibited from requesting PII or other similar information via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I'm seeing hard credit inquiries from 'XXXX  ' on my Transunion from XX/XX/XXXX and XX/XX/XXXX ... and I'm not sure why.
Product: Debt collection

This letter is a formal complaint that you are reporting in accurate and incomplete in credit information. 

According to the Fair Credit Reporting Act Section609 ( A ), you are required by federal law to verify through a physical verification of the original signed consumer contract, any and all accounts that you post on a credit report otherwise anyone paying for your reporting services could fax email or mail a fraudulent account. 

Your failure to positive verify these accounts has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the amount listed below. 

I demand that the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for more than 10 days to fix an error on all three credit reports. Equifax fixed the error which was probably caused by their breach within 24 hours. I filed to have XXXX  also fix the 2 errors. 
I am not XXXX XXXX XXXX XXXX and I have never lived at XXXX XXXX XXXX, XXXX  XXXX, XXXX, Fl XXXX. 
These two errors need to be fixed by both XXXX and Equifax. I have tried to contact Equifax for over 1 week and they are impossible to deal with. Their dispute website does not work and I keep getting kicked off. If you pay for a yearly membership, you might get through, but I doubt if that would even work. There is no human contact or customer service to help. Of all the credit bureaus they are the worst and only want to sell me my credit report or establish a membership. 

XXXX XXXX XXXX
Product: Vehicle loan or lease

I am submitting this complaint regarding a serious issue involving the repossession and mishandling of my vehicle by XXXX XXXX and the lack of support from my finance company, XXXX XXXX XXXX. 

My vehicle was repossessed by XXXX XXXX. After I paid what I owed, the vehicle was sent to XXXX XXXX ( the auction lot ) for me to retrieve. When I picked up my car from XXXX, I discovered that my vehicle title, registration, and a sum of cash that were stored in my glove box were missing. 

I contacted XXXX directly, and they confirmed that XXXX XXXX delivered the car already emptied. XXXX provided photos showing that the glove compartment and vehicle interior were completely cleared out before they ever touched the car. XXXX XXXX initially claimed they dont remove items from glove boxes, which directly contradicts the evidence. 

I immediately contacted XXXX XXXX XXXX, and they told me that because I had no proof of the items in the car, theres nothing they can do even though XXXX provided proof the vehicle was cleared out before they received it. 

Ive since filed a police report and complaints with the XXXX XXXX XXXX  and the Michigan Attorney Generals office. I am now requesting that the Consumer Financial Protection Bureau investigate this matter, as XXXX XXXX appears to be engaging in theft of consumer property during repossession, and XXXX XXXX XXXX is refusing to assist in resolving the issue. 

I have documentation of the complaint trail and am willing to provide any additional evidence necessary.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence regarding the improper reinsertion of inaccurate and unverified negative accounts on my credit report.
Product: Debt collection

XXXX my financial institution for my car loan, harasses me on a daily basis almost every day and almost the entire day by phone calls and text messages. They call me several times and more daily except on XXXX  when they are closed. I've asked them several times to stop calling me because my daughter and granddaughter have been hospitalized for months, and I am at work and to please me a letter by mail only. But they have ignored my requests and at times call me more, which includes sending me text messages after the phone calls. The harassment is so excessive, and it adds to the stress I am dealing with without their harassment. Their tacts for collecting debts that might be one day late are outrageous and harassing.
Product: Debt collection

On XX/XX/2023 BMW Financial Services sent me a letter offering to settle a XXXX debt for XXXX. To better understand my options I decided to reach out to BMW and ask what will happen to this debt if I do not settle. I asked if this debt will be sold to a 3rd party, or will anyone report this debt to the credit bureaus in the future. This debt has been reporting on my credit history for almost 7 years and I would like to know when it will stop showing. BMW will not provide me with the information mentioned here. Please provide me with information regarding these issues. I am currently receiving SSDI since I am no longer able to work and every finding it hard to make ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my account affecting my credit score. The XXXX XXXXc did not contact me until after they placed a balance of {$690.00} on my report. The balance has changed twice from what I can see. My place is also the same I dont recall being contacted! My capital one credit card was recently closed because of a payment not going through and instead of contacting me to resolve the issue my account was closed. I contacted them a day later to fix the issue and I was told my account was closed due to fraudulent activity. I checked all information on the account to see if anything was fraudulent and everything was up to date. Now they are saying that I have to pay them back. I have no problem doing that but i would like it off of my score! There are also credit checks on my report that have not had a positive affect on my score. I have not been emailed or called about either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is in violation. 
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account. 
I am a victim of the eXXXX XXXX XXXX. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Money transfer, virtual currency, or money service

The CFPB order pointed out that Cash App failed to provide live customer support from XXXX until XX/XX/XXXX. 
Cash App created the conditions for fraud to proliferate on its popular payment platform, said CFPB XXXX XXXX XXXX. 
When things went wrong, Cash App flouted its responsibilities and even burdened local banks with problems that the company caused. 
I experienced a problem with my Cash App account involving [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. Despite my immediate attempt to resolve the matter through Cash App 's customer support channels, I have encountered significant delays and a lack of responsiveness.

Despite reaching out multiple times via the Cash App support system and receiving inadequate responses, the problem remains unresolved. Cash App has failed to take timely and effective action to rectify the situation, leaving me without access to my funds and causing significant inconvenience.

This delay in addressing my issue constitutes a failure to fulfill their obligations under consumer protection laws and regulations. I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in promptly resolving my complaint.

Thank you for your attention to this matter. I am eager to resolve this situation as quickly as possible.
Product: Credit card or prepaid card

On XX/XX/2018, I was informed through XXXX XXXX that my XXXX XXXX  store credit card had been closed as of XX/XX/2018, by a credit grantor. This was done very haphazardly and without warning. After speaking to a XXXXXXXX XXXX representative, I was told I was not able to reactivate my account due to inactivity. Being away at school for the past several years has restricted my opportunities to utilize the card for that period of time. I do not feel as though this account should have been closed without my consent in light of my situation. Furthermore, this arbitrary closing has also severely affected my credit score. As a long-standing customer with XXXXXXXX XXXX, I feel it is their obligation to intervene and rectify the situation. Thank you.
Product: Credit card

Dear CFPB, I am submitting a formal complaint regarding Goldman Sachs mishandling of a dispute involving unauthorized charges on my Apple Card account. 

Summary of the Issue Several unauthorized charges totaling {$980.00} were applied to my account without my consent. 

Despite submitting disputes and providing evidence, Goldman Sachs reversed the charges and took no permanent action to remove them. 

As a result, my account exceeded its credit limit, which led to additional fees and the subsequent closure of the account. 

Impact of the Mishandling -Negative Credit Impact : My credit score has been adversely affected due to fees, penalties, and the account closure caused by Goldman Sachs mishandling. 
-Financial Stress : I am now burdened with disputed charges I did not authorize, and my access to the credit line has been revoked. 

Steps Taken to Resolve the Issue -Contacted Goldman Sachs customer service multiple times . 
-Submitted evidence of unauthorized charges on XX/XX/XXXX ( e.g., transaction details, police report ). 
-Sent a formal dispute letter to Goldman Sachs XX/XX/XXXX and every month after that until my last attempt on XX/XX/XXXX. 

Requested Actions -Investigate Goldman Sachs handling of this case for compliance with the Fair Credit Billing Act. 
-Assist in ensuring the removal of unauthorized charges and associated penalties. 
-Ensure Goldman Sachs reinstates my account in good standing. 
-Remove any negative credit reporting resulting from this incident. 
-Attached to this complaint are supporting documents, including my correspondence with Goldman Sachs , copies of the disputed charges, and evidence of their fraudulent nature. 

Thank you for your assistance in addressing this matter. Please let me know if you require additional information or documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Affirm many many times and each time they state the problem will be taken care of. I have been using them for years and never had any problems. I had placed and removed a fraud/freeze alert on my account and even received the notifications from the bureaus of it being removed, yet anytime I attempt to purchase anything through Affirm it denies me stating I have a freeze on my account. I like using them to avoid credit cards, and it is really terrible the customer service can not correct the problem, and no one responds via online even though it is always confirmed they have fixed the problem.
Product: Student loan

I received a letter from MOHELA on XX/XX/year>, stating that my interest rate was incorrect, and MOHELA increased it to the correct rate, due to a benefit that I was not eligible for ; however, MOHELA was unable to determine what caused the rate to change nor what benefit I was no longer eligible for.
Product: Credit card

I made application with Bank of America for a credit card on XXXX.I have a fraud alert in my account and called the bank at XXXX XXXX at XXXX XXXX XXXX to confirm that they had not called me at the XXXX XXXX XXXX number on my account to continue the application. the line is a land line number.I was also given another number to call XXXXwhich I called on XXXX XXXX at XXXX XXXX and XXXX. I was told that I needed to call thebank from the phone number. I was having problems with my internet connection ( my land line works via the internet and I was able to recieve calls via voice mail but I was unable to make any calls..I also called another number that was provided to me XXXX XXXX XXXX at XXXX on XXXX XXXX and XXXX on XXXX XXXX. On the XXXX I made the change with the credit bureaus to list my cell number of XXXX XXXX XXXX on my credit reports since it was going to take several days to get the land line connection fixed. 
on XXXX XXXX I was told by Bank of America that the credit card was approved. I WAS NOT told that they had run XXXX credit reports. I WAS VERY CLEAR that only XXXX credit report ( hard hit ) was to be pulled.Now on my credit reports it is showing Bank of America made XXXX hard hit inquirys on my credie report on XXXX XXXX and XXXX to XXXX and XXXX on XXXX XXXX to XXXX. This is so wrong! my credit score is excellent with all XXXX bureaus and making application for a credit card should not require XXXX hard hit inquirys. To be penalized because I have a fraud alert with the credit bureaus is wrong!. I spoke with a representative from Bank of Ameical yesterday ( XXXX ) she told me I authorized the additional inquiry and it would not be removed. I told her that was not true and the XXXX additional inquirys needed to be removed. I told her I wanted the record to state that I did not authorize the additional inquirys. she told me she would not add this to the file. This si so wrong. Bank of America has done this in the past. They are very casual when it comes to making hard hits on peoples credit reports. I was very clear that no additional hard hits were allowed. They record their messages and should backtrack on the conversations I had. The hard hits will lower my score and this in turn will affect what I pay on the XXXX insurance policys I have. I want the XXXX hard hits removed or to be reimbursed for the increases that I will oncure with my insurance going up.
Product: Vehicle loan or lease

To Whom It May Concern, I am writing to express my dissatisfaction and frustration with a recent experience I had with Golden 1 Credit Union regarding my auto loan payment. I have been a loyal customer, and until now, my experience with your services has been satisfactory. However, the handling of my auto loan payment for XXXX has left me extremely disappointed. 

I noticed a late payment charge on my account for XXXX auto loan payment, which was surprising since I had set up auto-pay through the Golden 1 app. Upon checking, I discovered that the auto-pay feature was inexplicably turned off, resulting in missed payments. This issue led to a significant drop in my credit score by XXXX points, causing me undue stress and potential long-term financial repercussions. 

When I contacted your customer service for assistance, I spoke with multiple representatives, each requiring me to explain the situation repeatedly. Despite my efforts to resolve the issue, the responses were consistently unhelpful and inconclusive. Notably, the last representative suggested that the problem might have been due to XXXX XXXX XXXXXXXX ( XXXX ) putting a stop on the transfer. However, upon contacting XXXX, I confirmed that there were no such holds or stops initiated from their end. 

It is clear to me that the fault lies within the Golden 1 system or process. The lack of accountability and failure to provide a satisfactory explanation or solution is unacceptable. The impact of this error on my credit score and the time wasted in attempting to resolve this issue with your customer service team is concerning and reflects poorly on Golden 1 Credit Unions commitment to customer service. Therefore, I request the following actions be taken immediately : 1. A tho
rough investigation into why the auto-pay was disabled without my authorization.

2. A reversal of any late fees incurred due to this error. 
3. A formal apology for the inconvenience and the poor customer service experience.

4. Measures to ensure such an incident does not recur in the future.

I expect a prompt response to this letter, outlining the steps Golden 1 Credit Union will take to rectify this situation. Failure to adequately address these concerns may force me to reconsider my banking relationship with your institution and seek legal advice. 

Thank you for your immediate attention to this matter.
Product: Mortgage

I have had an ongoing problem with Seterus Mortgage Servicer since XX/XX/XXXX regarding my escrow account, however XX/XX/XXXX, there was an error made in which to company attempted to charge me XXXX monthy for my mortgage, ( I have the letter ). Now after several months of going back and forth with misapplied payments and ultimately another escrow done XX/XX/XXXX, the error was corrected and my payment lowered from the real amount of XXXX to XXXX. I went to review my XX/XX/XXXX escrow again, it is not available for download, nor are any of my monthly statements for XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX so I can verify the escrow amount during these times. 
This is an essential function and my understanding the law that these documents made available to me in a functional manner. I have consistently had problems with this company and any documentation. I do not want to have to consistently have to contact CFPB, XXXX or any other entity just to get my statements or escrow. 
I believe there to be a further issue but I am not sure of that at this time, it will require further review and may be something I have to cure, but I can not do that without the timely delivery of my documents. 

Thank you for your time,
Product: Money transfer, virtual currency, or money service

Coinbase.com has closed account without reason and locked funds.

I have an account in good standing but Coinbase decided to close it and lock my funds. Several thousand dollars. I know it was silly to trust Coinbase in the first place with a large sum of money. Every time I contact support about the issue I am fed the same auto response. This has gone on for months now and I am not sure where to complain to about this shady company.

Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update.

Please let me know if the matter develops further as we investigate.
Product: Money transfer, virtual currency, or money service

RDC ( Remote Deposit Capture ) - banking institution Umpqua Bank received digital information from deposit documets captured by affiliate institutions/other banks : XXXX XXXX, Mobile RDC, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. These institution are regulated by FDIC, Federal Financial Institutions Council - and Federal branches. 
The bank position : " go to file a claim with your insurance company ''
Product: Credit card or prepaid card

After informing Bank of America of my identity theft situation and providing the necessary documents, they did not adhere to the FCRA 's Notice of Furnishers and continued reporting fraudulent information to the credit bureaus. I provided both a police report and an identity theft report from the Federal Trade Commission. I am XXXX and haven't had full autonomy of my finances for many years. I am requesting that I be absolved of any and all association to account ending in # XXXX.