23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

this message is for XXXX and transunion and XXXX. i want to let them know that XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX are all being reported and the nc department of justice is now involved with those accounts and creditors. i received emails from some of the creditors and letters and i called some of them and most of them stated they will no longer contact me. i will add documentations so these accounts can be removed from my credit file for good. also XXXX XXXX XXXX showing on my report should deleted. they are being investigated as well. as well as XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Account Details Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$1400.00} written off. {$1400.00} past due as of XX/XX/XXXX. 
XXXX XXXX  48 % {$1400.00} XX/XX/XXXX XX/XX/XXXX {$3000.00} - {$1400.00} {$1400.00} - Individual Inquiries XXXX XXXX XXXX Inquired on On record until XXXXXXXX XXXX XXXXXXXX Inquired on On record until XXXX XXXX Inquired on On record until XXXX > XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX CARD Inquired on On record until XXXX Inquired on On record until XXXX Inquired on On record until XXXX XXXX NA Inquired on On record until XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on On record XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX OF XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on On record until XXXX XX/XX/XXXX XX/XX/XXXX I ask that alll these inquires be removed from my credit profile as this is a defamation of my character and not allowing me to get new credit or home loans thanks 30 days from this day I will need information about this matter or I will be forced to sue!
Product: Mortgage

I have filed two previous complaints beginning XX/XX/2018 with NO RESPONSE of resolution! Each company continues to blame each other ... 
Complaint # XXXX Complaint # XXXX I have a FEDERAL Hamp loan that offered an incentive program for Payments made on time. AND I was offered a RECAST AGREEMENT from XXXX XXXX to be executed by XX/XX/2018. Both were completed and executed on time as agreed. My loan was then SOLD to Rushmore. I followed up with Rushmore and they sent back a letter stating that they would have this matter resolved within 15 days of the date of response to the CFPB on XX/XX/2018. Still waiting ... ..NO response! 
I have called and spoke to both contact persons representing my case at each lending institution and can not get this matter resolved. 
XXXX XXXX at XXXX XXXX has clearly stated that Rushmore MUST pay the $ XXXX per the Federal Hamp Guidelines. He stated that he made these notes in my account so that it was documented on my behalf. His direct line is XXXX Ext. XXXX When I spoke to XXXX in the Legal Department at Rushmore she stated that she did not understand why it was taking so long for someone to respond to her request. That she would have to check with Loss Mitigation to see if they could help her. She suggested that I file another CFPB complaint to protect my interest. Her direct contact information is XXXX direct line. 
I request for a full audit of this transaction and to finalize this within 10 days effective immediately. It is a federal law that my loan be credited the $ XXXX as agreed by the Recast agreement that was executed.
Product: Debt collection

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX {$2100.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX  XXXX {$2700.00} XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX  XXXX {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$3100.00} XXXX XXXX  XXXX These credit accounts are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. These Accounts is inaccurate and I'm seeking litigation please delete at once. I feel like i'm being taken advantage of at this point. It's been well over 60 days I just want these problems resolved. According to the FCRA these inaccurate unverifiable items must be deleted immediately.
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 ). 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 Regulatiin 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

My credit report with XXXX show a mortgage of {$5100.00} that loan was cancelled by mosaic XXXX  I send them a letter by mosaic that says this loan is cancelled but they did not take out of my credit report and that is hurt me with my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I received an updated copy of my credit report and found three inquiries from Capital One that I did not authorize and have no knowledge of. The inquires are on XX/XX/21, XX/XX/21, XX/XX/21. The inquiries are having a negative effect on my credit score and they were not done by me.
Product: Money transfer, virtual currency, or money service

Stretto has sent me multiple claim codes that I am unable to redeem. I tried to redeem them the moment I received them, but unfortunately, my XXXX account was a business account, and I ultimately found that XXXX doesnt support cryptocurrency transactions for business accounts. That tidbit of information was not in any of the initial communications from Stretto. I found out from XXXX, if you can believe that. 

I finally deleted my business XXXX account and created a personal XXXX account that matches my XXXX information, but I am still unable to redeem any of my claims. The reason, according to XXXX support, is that the deposits or claims have stopped temporarily, as there was a data issue at Stretto. 

A data problem? Ive inquired for details, but thats like if your doctor told you that you were XXXX XXXX XXXX XXXX XXXX. What, exactly, is the problem?
Product: Student loan

Received a call from someone who claimed that they would consolidate my federal loans, get them on an Income Based Repayment Plan, and get me loan forgiveness, for a price. I told them that I am not interested in paying them for benefits that my student loans already have for free.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for EXPERIAN. I sent them a letter regarding the inaccuracies in my report last XX/XX/2023 due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

I have also attached and FTC report as the proof that the XXXX XXXX account XXXX has been reporting fraudulent charges and information.
Product: Credit card

My credit card was locked when I tried to make a purchase. I called them and they said they unlocked it. Then, I tried the purchase again and they said their system didnt allow to send me a verification SMS, so they had to call me to verify my identity and proceed to unlock my card. After I got the call and verified my account they said they had unlocked my account again, but it was not true. When I called them yet once more, they now said the only way to verify my identity was to give them the number of ANY OTHER CREDIT CARD OF MINE! ( not with their bank ). I told them that this was a privacy violation and sounded like a scam, so they told me they wont unlock my account then. Ive tried calling them multiple times and now theyre saying that XXXX cant even close my account until I receive a letter on my physical address with a code, which according to them would take XXXX business day to arrive!
Product: Credit reporting or other personal consumer reports

I emailed TomoBoost Co.- ( XXXX  ) to cancel my account ( XXXX ) because I was not able to do it from their website. On XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX I requested for the company to stop charging my credit card as well. I was sent an email from someone at the company and assigned a " request '' number ( # XXXX ) - XX/XX/XXXX, XXXX and XXXX and they stated my account would be closed and no more charges would appear on my credit card. I asked them to remove my credit card from their system and too stop reporting any information to my credit report and to send me a full refund of all unauthorized charges incurred after the account closure. To no avail, I have received several charges to my credit card ( XXXX ) - XXXX, XXXX and XXXX was charged and they are still trying to use my credit card for XXXX but was unsuccessful in getting a payment. I have requested a refund several times. I have not been able to get any resolve to this issue and they don't have a phone number listed, only a contact email - XXXX. Please assist me with any direction, information, or any thing I can do to get help of this company. They have committed credit card fraud with continuing to charge my card with unauthorized charges and they are treating to put negative information on my credit report from " missed payments '' on an account that should have been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in letters dispute letters, to have unverified items taking off my report. I've contacted all the creditors and they where not able to verify the accounts. I've contacted the credit bureaus and nothing has been deleted. I have one DISCOVER FIN SVCS LLC with the amount of {$230.00} on my XXXX  report which hasn't been verified after I sent them a letter to verify my debt. On my XXXX  Report, XXXX XXXX XXXX, XXXX with the amount of {$240.00} was not verified and I need it deleted. On my XXXX  report XXXX XXXX XXXX  with the amount of {$1000.00} is unverified and should be removed since they didn't send the correct information to verify the debt, I was sent a letter with no signature saying that I signed for the debt and the amount was {$1000.00}.
Product: Mortgage

House was under contract with a buyer. This was reported to 5/3rd bank. A letter was signed and submitted stating the house was under a contractual agreement. A 5/3rd bank representative misinformed the seller that no last payment was needed. The buyers financing fell through and contract was extended another 2 weeks. 5/3rd bank sent a letter for 30 day late payment and updated sellers credit report to reflect this. When a complaint was submitted with 5/3rd bank they stated late was verified. No resolution was made and now my credit is damaged by the misconduct and miscommunication of their uninformed representatives. They refuse to remove the one 30 day late and as a result I can not refinance my current property that is through a different lender. This needs to be corrected and is causing great harm to me financially.
Product: Mortgage

KeyBank has failed to accurately responded to material false information being provided to a regulatory agency, the cfpb. On several occasion this lender has been been untruthful in facts provided to a federal regulatory agency. These incidents of providing false and misleading information are violations of the federal bank charter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called XXXX bank to have my monthly car payments withdrawn on the XX/XX/XXXX of every month startingXX/XX/XXXXXX/XX/XXXX until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XX/XX/XXXX. I received myXX/XX/2019 bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from experian that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.
Product: Credit card

I found fraud transaction on my business card employee card holders : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I reported these transactions as fraud to Chase last month. I immediately reported these purchases as fraud because I got instant notifications on my phone for XX/XX/XXXX transaction on XXXX XXXX XXXX XXXX Then I discovered XXXX XXXX transactions to be fraud. I do not have notifications set for XXXX XXXX. I asked both XXXX XXXX and XXXX XXXX, both of whom have the cards in hand, and they denied these charges at the time. 
Chase called me today, XX/XX/XXXX, at XXXXXXXX XXXX from XXXX. Chase has denied my credit card fraud claim. According to Chase policy, since these transactions were paid by chip and it can not be duplicated, Chase denied my fraud claims for these transactions. 
I am 100 % certain that Chase was hacked. I will state why. 
There are XXXX cards with fraudulent transactions. XXXX XXXX has card number XXXX. XXXX XXXX has card number XXXX. XXXX XXXX 's card is only used for gas purchases and is within his possession. XXXX XXXX 's card is inside a desk drawer at home and has not been used for the entire year ; the card is collecting dust. The fraudulent transactions happening to both unrelated cards at the same time can only mean Chase has been hacked. Under the account activity of the statement, both cards have fraudulent transactions around XXXX and XX/XX/XXXX. Also, all these transactions happened with a XXXX, IL company according to the statement. We are from XXXX XXXX. I believe Chase 's database was hacked, and the numbers were used on the XXXX market. The transactions are not by chip because I have the cards in hand and both denied using the card at those places. 

XXXX XXXXXXXX XXXX XXXX Fraud Transactions, All transactions will be charged back to me XX/XX/XXXX XXXX XX/XX/XXXX {$13.00} XXXX  XXXX XXXX XXXX IL XX/XX/XXXX {$200.00} XXXX XXXX XXXX XXXX  XXXX IL XX/XX/XXXX {$17.00} XXXX  XXXX XXXX XXXX IL XX/XX/XXXX {$41.00} XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX Transactions, All transactions will be charged back to me XX/XX/XXXX XXXX XX/XX/XXXX {$96.00} XXXX XXXX XXXX IL XX/XX/XXXX {$27.00} XXXX  XXXX XXXX IL XX/XX/XXXX {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX IL XX/XX/XXXX {$60.00} XXXX  XXXX XXXX IL XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXXXXXX IL
Product: Credit card

I received an email from : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) We are grateful for your purchase. For further details, kindly Search the attached file without delay They said it was a Paypal charge for internet protection and when I called the number I couldn't get any help to reverse the charge
Product: Credit card

I opened a dispute on XX/XX/2024 for a Drone order from XXXX. 
I purchased a XXXX from XXXX and an extra set of propellers. I paid XXXX on my Apple Credit Card. The packaged was shipped and arrived on XX/XX/year> the box arrived damaged and I took a picture of the box before moving it in doors. The was also dropped off without my signature. After opening the box I discovered that part of the Drone was missing and I was also missing the SD card and other accessories. I contacted XXXX on XX/XX/2024 and they said someone would contact me within 24 hours and I never received an email or phone call. I filled a dispute with the Credit Card company and gave a list of the items I did not receive and I requested a partial dispute. The Credit Card company disputed the entire amount. I sent them pictures of the box as well as evidence that I made an effort to workout with XXXX. I also sent them copies of the purchase receipt. On XX/XX/XXXX my Dispute was finalized and not in my favor. The result was that I couldn't receive a credit because I agreed to the terms and conditions at the time of purchase. I am pretty sure that I did not pay XXXX for an incomplete order from XXXX. It could have been incomplete because XXXX did not put everything in the box before it was shipped or as the BOX looked on arrival someone could have taken it out of the box but either way I did not receive everything I paid for and that's not my fault. On XX/XX/2024 I requested the dispute to be re-opened and also filled a claim with XXXX. XXXX XXXX XXXX XXXX XXXX .... on XX/XX/2024XX/XX/year> XXXX said that they came to a conclusion but couldn't release that information to me as the receiver and only the shipper would receive the outcome or compensation from the claim. On XX/XX/2024 Golden Sacks requested any emails or communication that I had with XXXX and any documents showing the evidence I did not receive from the XXXX. I'm not show what to send in to support that as I already sent in screenshots of me chatting into XXXX back in XXXX and never received any emails from that after that. I also gave them a list of the missing product over the phone when the first Dispute was filled and when the second dispute was filled. I am now disputing XXXX and willing to pay XXXX of the original payment.
Product: Vehicle loan or lease

The car loan doesnt belong to me what I mean is I didnt purchase the car. I had a family member living with me and when I would travel out of town on business they must have took my ID and information from out of my old pocket book in my closet. The car was brought online and when I found out about it I immediately had the car picked up from that family members new home they moved into. The car was brought in XX/XX/2019 I believe and I have tried working with BridgeCrest to have it removed from my credit to no avail. I didnt do a police report because I dont want the family member in jail she has XXXX small kids but I dont and shouldnt be held responsible because I dont have a police report. I sent in the affidavit and other documents showing I didn't make this online car purchase yet they still will not remove this from my credit report. I even sent in the payment of {$9700.00} per XXXX when I called into BridgeCrest over a month ago and the car is still showing on my XXXX and XXXX credit report. This isn't fair and I might have to hire a lawyer to sue BridgeCrest. The car was never purchased by me then I send in the documents they required to remove the loan and I also sent in the payment amount shown on my credit report and confirmed by XXXX that works for BridgeCrest in the amount of {$9700.00} and the account is still on my credit reports. I need someone here at the CFPB to help get this mess corrected asap for it isn't fair at all to me as a consumer who is a victim of online fraud!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled the personal data of myself and millions of other American citizens, allowing personal information to get into the hands of malicious hackers. Their gross negligence and inability to secure my information has put myself, my family, and my finances in immediate danger. Their insistence that consumers relinquish their legal rights in order to find out if we 've been affected is ludicrous and proves that they care far more about their own personal security than the consumers they claim to serve. Their requirement to pay a fee in order to freeze credit accounts that have been affected in order to profit off of their own mistakes is nothing more than racketeering. The multiple executives who sold off millions of dollars worth of stock just days after the attack should be imprisoned for insider trading.
Product: Checking or savings account

On XX/XX/XXXX Us Bank closed my account I have asked when will i receive the funds from the account they gave no response.They were supposed to send a check within XXXX XXXXs but it had elapsed to even longer and they still have not even responded to my request
Product: Consumer Loan

I have a loan which I took out & have automatic payments set up. I went on a XXXX & when I went on a XXXX I had a payment that did not go through, which led to my payments being late every month after that. When I came back I called to see what I can do to take care of this issue & all they could say is that I could pay it off. They could n't change the fact that my credit score has gone down since I was not informed about the payment not going through. Now I am struggling with opening a new account, getting a loan, & other financial issues because of this.