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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XX/XX/XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continuously reporting on mu Credit Report. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX $ XXXX Opened : XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX XXXXXXXX Balance $ XXXX Opened : XX/XX/XXXX XXXX
Product: Debt collection

the company is attempting to collect a debt that is and was in the wrong amount as the items were damaged that was received and had been notified of the damages upon receiving them therefore i will not pay the amount asking by the company and will only pay them XXXX dollars to remove this item and never do business with them again
Product: Student loan

My loan servicer was Fedloan Servicing. I had Fedloan Servcing set up as the bill payee for my student loan through my bank pre pandemic. I stopped paying my loan during pandemic and didn't update my bill payee to XXXX, which became my new loan servicer after Fedloan Servicing shutdown. I made a {$200.00} payment to Fedloan Servicing on XX/XX/XXXX  in error. The {$200.00} was somehow accepted even though Fedloan Servicing no longer exists. I've contacted XXXX and my bank, neither can do anything to get my money refunded. I'm not sure what to do as Fedloan Servicing customer service no longer exists.
Product: Credit card

Around XX/XX/2024 we noticed our Costco Citi Visa credit card was being charged at various XXXXXXXX XXXX  around XXXX  and XXXX  for similar value charges ( ~ {$99.00} each time ). There were 14 charges going back to XX/XX/2024 for a total of around {$1400.00}. It appears that our credit card was skimmed at some point, since we were still in possession of the card. 

Citi investigated and responded with " Customer Responsible ''. We believe Citi 's fraud detection algorithms should have caught this in XXXX, since there were 3 charges on 3 consecutive days at 3 different XXXX 's for the same amount and that we should be reimbursed for the charges.
Product: Mortgage

I have been trying to verify third party with PrimeLending the construction payments I made to them during my loan with them for construction since they don't report it to the bureaus. I have sat on hold for longer than an hour with the third party verifier which refused to stay on hold longer. I need a REAL LIVE PERSON to ANSWER A PHONE with MY OLD ACCOUNT INFO so we can close on our refinance transaction. I was on hold yesterday for 20 min with the third party verifier before we gave up. Today I was on hold with the third party verifier for 1 hour and 20 min before the 3rd party verifier asked if we could try again tomorrow.
Product: Credit card or prepaid card

On XX/XX/2021 I made application for a credit card at Lowes. The information indicated that since I did this online, all I needed to do was to make my purchase and go to the Customer Service desk and they would process the transaction and use the credit card which would give me 5 % discount up to certain amount of the purchase and a 20 % discount up to a maximum of {$100.00}.

I made a substantial purchase totaling {$6500.00}, went to the Customer Service desk as required and was told my application was denied. The person at the desk tried to make application for the card again, but it was denied again. Obviously, I was a little confused/not happy, because I know my Credit Score is in the area of XXXX and have an impeccable payment record. She told me I would be receiving an explanation as to why I was denied. 

The letter I received from Synchrony Bank on XXXX XXXX is in the attachment. 

All of the reasons given in this letter seem to me to be reasons to accept my application. 

I called the phone number on the letter to find out what the issue was with my application and was inundated with a sales push from XXXX to get me to use their services and was told they will send out a letter in 15 days to explain why I was denied. I am assuming it will be the exact same information that I already received from Synchrony Bank. 

I purchase a lot of product from Lowes since they are 10 minutes away from my house and would like to take advantage of the discounts offered by having their credit card. 

This is the first time in my life I have ever been denied credit for anything.
Product: Debt collection

XXXX XXXX with an address XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX. 
Created an Account in my name and wife 's name XXXX XXXX & XXXX XXXX without our consent. We have no contractual relationship with this ENTITY and believe that this ENTITY is committing Fraud using fraudulent papers and Identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> Urgent Demand for Immediate Correction of Inaccurate Reporting : Upon reviewing my Consumer Reports, I was enraged to find egregious inaccuracies regarding alleged late payments on an account where I have ALWAYS made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the HIGHEST degree of accuracy in reporting consumer information. I have NEVER missed a payment on the following account : [ XXXX XXXX XXXX XXXX ], [ XXXX ]. 
I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within XXXX DAYS, as mandated by the FCRA. You are XXXX to provide undeniable evidence, such as detailed account statements, substantiating the alleged lateness of these payments. FAILURE to furnish such proof within the specified XXXX timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA Section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Checking or savings account

On Wednesday XX/XX/XXXX we decided to open up a High Yield Savings Account through BMO Alto. Initially we called immediately because we accidentally sent {$XXXX} from our original savings account ( XXXX XXXX Bank ) to BMO Alto High Yield Savings  account TWICE when we only meant to send {$XXXX} once. The reason was because it didn't appear to work the first time. After sending a 2nd time I noticed it took both {$XXXX} payments out of our XXXX XXXX Bank savings and we were at - {$XXXX}. We called immediately and the BMO customer service rep said not to worry about it because the 2nd payment would be denied anyway due to insufficient funds. The next day we checked our XXXX XXXX Bank app and both transactions went through and we were at - {$XXXX XXXXe called again and they said it was " pending '' so we had to wait until the payment went through before they could do anything. XXXX XXXX Bank was able to cancel the 2nd payment but said since we " authorized '' the payment that BMO would have to send the other back. We need to get our {$XXXX} back in our original bank account because at this point we don't trust BMO Alto  at all. We have been unable to access our BMO Alto account due to it being frozen for 5 days now and have been told multiple different things by multiple different customer service reps including " you just need to close your account and the money will come back to your original account '', " you can't do anything until the account is unfrozen which will take a couple more days. '' Yesterday ( Monday  XXXX XXXX ) we were told that the money is on its way back to our original bank account but it will be 1-3 business days. Today ( XX/XX/XXXX ) I called just to make sure they had sent the money and the rep said it would not be sent back until we get our account unfrozen so they would have to forward us to their fraud department and we would have to re-explain the situation. 
The fraud department then stated that we needed to send a 'statement ' from the savings account that the money came out of in order to unfreeze the account and then the funds could be sent back to our original bank account. We sent this over via email this afternoon to the email they provided us on the phone. We are filing this complaint because after reading things on reddit about similar cases we have zero trust in BMO Alto following through and returning our {$XXXX} in a timely manner if at all. 
Please help us get the money back in our original bank account this week if possible. We will be closing our account with BMO Alto immediately once we get our money back.
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 Regulation E. These actions have caused significant inconvenience and financial loss, and seek appropriate redress for these violations
Product: Money transfer, virtual currency, or money service

An unauthorized user used my daughter 's door dash account, which is attached to my PayPal account, to make unauthorized purchases. I discovered this on XX/XX/XXXX and immediately changed my password and put 2 factor authorization on. The purchases totaled over XXXX dollars. I contacted PayPal, they said they would remove the charges. Next they sent me an email to say one charge would be reimbursed but all the others would not be reimbursed. They reimbursed a charge of XXXX but said they would not reimburse for the others -- the others are exactly the same, so why would they reimburse one charge and not the others when they are all EXACTLY the same?? 

I was out of XXXX XXXX and did not use the XXXX XXXX  account -- and did not realize the fraud until I was back in the US -- and at that point the person who stole the log in information had stolen over XXXX dollars from the account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft resulting from a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following fraudulent inquiries were made on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am XXXX. My ex- assistant began going in my purse and stealing my XXXX XXXX American Express , other credit cards and she forged two XXXX XXXX XXXX checks. I didn't know who it was but I kept reporting it and getting a new XXXX XXXX American Express along with the other cards. Finally when she ran out of all of my money because the companies stopped refunding the money that was stolen, she quit. I have email documentation of her admitting to stealing money from me. Then I received the first forged check in her name. That's when I knew I could report it to the police and open up a case, so I did. They said they were going to charge her with XXXX XXXX..I would ask XXXX XXXX American Express to send me all the paperwork of the dates she was working for me so I could Circle what she stole and they kept sending me the wrong paperwork. Finally when I got the right paperwork they had already closed down my card. They re-opened it once but I simply couldn't make the payments they asked for they closed it for good. They wouldn't work with me in any payment plan. Knowing my condition and situation, I believe they should have. Not even the hardships department cared. I would still try to Circle all the dates and the money she stole from me but I have to go to the doctor every single day and I need my current assistant to help with the paperwork because of my XXXX. We simply didn't have time to fill out all the paperwork because I have so many health related things going on. Everything became so overwhelming! Still the police report was started and I did know who the person was who stole from me. As a XXXX person that can not do anything on my own. I don't know how to get this resolved. I need serious help. This woman has stolen thousands and thousands of dollars from me. She has also stolen other money from me that doesn't relate to this card.. I don't know what to do. I need hardships to work with me. I can barely afford anything but I can pay small amounts if they just work with me. Thank you very much. XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/2023 I contacted Proceed Financial to cancel a loan I obtained for dental work that I was to have on XX/XX/2023. They said I would need to contact XXXX XXXX XXXX to cancel the financing. I told both parties I did not want the loan because I didnt feel comfortable paying ahead of time before I had the procedure. XXXX XXXX was very reluctant to cancel and even tried to push the appointment up before the XX/XX/XXXX due date of the first installment. I just received an email stating that I am responsible for a 5 % fee of {$240.00}. I am not paying a fee for a service I never received. I asked them several times to cancel the loan and I have never in all my life been charged such a fee. Its bad enough that I am dealing with dental issues. I shouldnt have to pay a fee when I tried in good faith to cancel this loan several times. I dont want this affecting my credit. All I want is the loan to be cancelled and be done with this ridiculousness.
Product: Credit card

I changed from XXXX XXXX XXXXXXXX and u would think what does that have to do with target card? At XXXX eastern time I got an email that my carrier contacted card services that my phone number was deactivated and they removed it from my account. My phone number was never deactivated as u can verify so on my break at work I put the number back in. It never asked me who my carrier was. I contacted target card services was transferred to 3 people when saying I wanted a supervisor explaining myself 3 times XXXX said she would look into it. She kept telling me I changed it and that my email was spam. She put me on hold again and then says good news is that I put it back in so its there and that target card services did do that. I told her no one should be changing my phone number as texts were coming thru fine and that if I dont change something it shouldnt happen and asked for corporate number cuz she kept saying how I put it back in so Im good to go. Im not good to go. Im not OK with the changes. They allow people to make without even checking with the cardholder thats an invasion of my privacy. Thats intrusive and I feel violated. She refused to give me a number she told me she could give me targets number, but they wont do anything and that she would note the account I hung up on her, after being on the phone for 45 minutes what a way to make somebody feel like a valued customer.
Product: Credit card

This is a follow to XXXX. 

I received a call today from someone at Chase and when they called, they informed me that the call would be recorded. At that time I told them I wanted to record the call on my end as well. They made it clear that they did not approve of me recording. At that point, I told them we had nothing to discuss. 

In my opinion, the situation has gotten totally out of hand. This company needs to stop harassing me and clear my records from their system.
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 violates the consumer financial protection act .Cash app failed to take timely and effective measures to prevent 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 requirement under the electronic fund transfer and regulation E.These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported this to XXXX and Experian. This fraudulent account keep returning onto my credit report and it cause me to not close on my home. I would for this issue to resolved and removed immediately from my Credit report! I did file an FTC with a reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my TransuUnion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Vehicle loan or lease

On XX/XX/2022 I submitted a brief CFPB complaint, complaint # XXXX, detailing the fraudulent practices employed by Carvana in their business with me. I also reported XXXX, Carvana 's overly close pet financier. I reported XXXX because they continue to act as some sort of weird henchman covering up Carvana 's fraud. Carvana issued a response to my initial complaint that was the mere distillation of backdoor negotiations held between me and XXXX on Carvana 's behalf. I am pretty sure that XXXX attempting to sweep Carvana 's fraud under the carpet, is the furtherance of fraud. But anyway, this complaint is because Carvana refuses to even follow through on the recent promises they made the CFPB and myself in their response. Carvana has possession of the vehicle and has had possession of the vehicle since it was impounded by law enforcement following its recovery from a theft. I originally attempted to collect the vehicle, but have been unable to because, well I don't own the car, and never have. Carvana sold me a car they didn't own. I am fairly certain Carvana has never owned the car. If they have, they have refused to provide evidence of title once to many requests. So, Carvana is the only organization or person who can possess the car. To be clear, if Carvana claims they don't possess the car. They are lying. They are playing legal semantics and it is more evidence of theiXXXX XXXX tactics. Continuing on, Carvana is attempting to coerce me to process this loan cancellation through their internal customer satisfaction process. I find this disingenuous, and the process is likely being used to cover internal evidence of fraudulent practices. Carvana demanded I submit payment to bring the loan current before they would rescind the loan. They also promised to send me all previous and these additional funds as soon as they cancel the loan. I want to be very clear. I am not a mere disgruntled customer. I am a victim of real fraud perpetrated by Carvana with real damages. I am almost certain that this " loan back out '' that Carvana was attempting to process is not an above-the-board way of Carvana fixing the fraud they conducted during our business. I choose to not participate in any more of Carvana 's fraud. Much as I refused to participate in Carvana 's requests to doctor and forge registration documentation so that I " could make an insurance claim '' on their stolen vehicle. Seriously Carvana, read this, process it, and do the right thing and cease this fraud. Honor the agreement you told the CFPB you were going to do. This complaint wouldn't exist if you had done what you said you would. So, keep that in mind the next time we talk.
Product: Checking or savings account

On the XXXX I had my phone stolen by a man following us he saw I had opened banking apps. He stole my phone ran transferred money from my bank to 2 apps open XXXX and XXXX XXXX then to himself. The police recovered it while charges were pending and I placed a police report! I called the bank they promised me I would get my money back. They waited a month then after I did all the work to prove fraud! It was fraud Im on social security the bank manger promised me and even gave me XXXX $ back. Then they said they wouldnt help me. Took the XXXX $ back out XXXX older with XXXX kids. I never make charges they knew it was fraud now Im negative XXXX XXXX I have no money. Im XXXX and have nobody. Please please please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and the attached letters associated with this complaint I recently checked my credit report and I noticed that I had numerous inaccuracies and unauthorized inquiries I tried reaching out to the credit reporting agency but they did not fix the issues.