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

I am writing to file a complaint regarding unauthorized accounts on my consumer file as a result of identity theft. I have already taken the necessary steps to address this issue by filing an FTC report and a police report with the XXXXXXXX XXXX  Police Department. Enclosed, please find copies of these reports, as well as documentation confirming my legal name change from XXXX XXXX XXXX XXXX XXXX pursuant to a divorce order. 

The following accounts, names, social security numbers, addresses, phone numbers, employers, and spouse or co-applicant information do not belong to me, and I request their immediate removal from my consumer report : Names to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses to be removed : [ Include the list of addresses ] Social Security number to be removed : LAST XXXX XXXX ( Enclosed is a copy of my Social Security Card ) Phone numbers to be removed : XXXX XXXX Employers to be removed : XXXX Spouse or Co-Applicant to be removed : XXXX Pursuant to XXXX XXXX XXXX, I have identified unauthorized activities on my credit report and am requesting the appropriate measures be taken to block this fraudulent information. Starting 30 days from the date you receive this letter, I demand that you furnish the supporting documents and probable evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within this timeframe, federal law mandates the removal of the accounts from my consumer report without prejudice. 

Under 15 U.S. Code 1681 ( i ), Paragraph ( 5 ), Treatment of Inaccurate or Unverifiable Information ( A ) In general, if, after any reinvestigation, any information disputed by a consumer is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete it. Additionally, under 15 USC 1691c-2, I am entitled to have the fraudulent information blocked from my credit report. The relevant federal statute states that when an identity theft victim provides a copy of a police report to a consumer reporting agency, the agency must block the reporting of information resulting from identity theft. 

This action is essential for preventing further harm to my credit and financial standing. I kindly request your prompt attention to this matter and appreciate your assistance in resolving this identity theft issue. 

FTC Report, Police Report, Copy of Social Security Card, Name Change Documentation
Product: Credit card or prepaid card

On or approximately XX/XX/2019 I started to actively activate my credit card issued via Citi Bank. After three or so tagging my credit card info to XXXX XXXX, XXXX, XXXX etc I received a fraud alert on my account. I reached out to rep via app chat, and provided a 24/7 Fraud Number, ( XXXX ) XXXX since XX/XX/2019. On that date, the rep stated they will mail a letter 7-10 business days, and 7-10 business passed. Its XX/XX/2019, and again going thru the same process, the system they use via third party look for a way to tag my information of me but I have nothing more then little that can verify that I am who I say I am. I ask for information, to no avail. They have not been helpful, resourceful and would like for their security check to change or at least offer other ways to verify its me.
Product: Vehicle loan or lease

I have had a used vehicle loan with Ally Financial for a little over 3 years. The terms of my loan state that any amount that I wish to pay, over the minimum payment, will only apply directly to the principal if it's requested in writing. 
Since my very first payment, I've sent additional funds every month, clearly marked " apply excess to principal. ". 

I realized several months ago that they weren't applying the excess that way, and reached out to Ally. First I was told that I must " request it in writing '' to have excess applied that way, rather than the next payment. 

When I explained that it was marked that way, I eventually spoke to a " Supervisor '' who explained to me that it was their policy, not the loan terms, that allowed the application of additional funds, but they apologized and applied the current payment, at that time, to adjust the principal owed. 

However, all payments should have been re- amortized, as each and every " extra '' principal amount would have a domino affect on the percentage of the NEXT payment that should apply to the principle. 

Then it happened again - and I spoke to them about it again, via email. And it stopped for a little while. I sent 2 payments that were applied correctly, and it now appears that they've gone back to their " old tricks '', but even worse. 

I recently started sending them completely separate checks, marked " apply to principle only '' for a much larger amount, in addition to my overpayment of the scheduled loan. They are taking interest out of these separate payments, as well as not applying the additional payments correctly? They're essentially " double dipping '' monthly interest payments rather than applying the amount to principal. 

This is clearly a " predatory '' and intentional misunderstanding of their own policies ; that amounts to an undisclosed prepayment penalty on the loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Attn : Experian dispute department Experian XXXX XXXX XXXX XXXX, TX XXXX : Letter of Authorization Dear Sir/Madam, I, XXXX XXXX , residing at XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX hereby issue this formal authorization to Experian to remove the following inquiries/ creditor from my credit report : Inquiries : Date : XXXX XXXX XXXX XXXXXXXX  I have recently communicated with a representative from Experian who has provided guidance on the necessary procedures for such requests. 

I've enclosed the following : ID Utility XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX KS XXXX Social : XXXX I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity. 

Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX  XXXX Balance {$790.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Bank account or service

Second time again, Wells Fargo has put a hold on a payroll check deposited into an atm again. Check was deposited in the amount of {$1800.00} on XXXX. Receipt of Check said funds would be available on XXXX/XXXX/2016. Now on XXXX/XXXX/2016 an email was sent that funds will not be available until XXXX/XXXX/2016. No first {$200.00} was made available. Called Banker who I spoke with a lady named XXXX and stated a REFER TO MAKER OF CHECK just like the last time. But according to bank last time after resolution it was because of overdrafts and insufficient fees ; which were cause on their part. Account was in good standing past 2 weeks except for that I had to pull out the {$200.00} that on XXXX/XXXX/16 due to no funds available. Causing me to pull the {$25.00} out of savings that I was trying to save up. Which I am in overdrawn balance of {$160.00} If I would have known this would occur again. I would have went to a check cashing place like I did 2 weeks ago and paid the cashing fee to cash the check. 
Wells Fargo is placing the holds and not trying to clear these check faster as causing an inconvenience. I already have scheduled payments that I set up one time future payments for bills. 

As Consumers we need better rights and protection to access our money faster and not placing these longs holds for almost 2 weeks.
Product: Mortgage

I purchased my home XX/XX/2016 and my lender was New American Funding. At that time I knew my escrow was going to have an overage at the end of the year based on the current taxes in my subdivision. Once my year was up I called New American Funding and they explained what month they do their review of my escrow account and if there was an overage they would refund me the difference. I understand that they must keep a cushion and wasn't expecting all of it. When they reviewed my escrow I indeed had an overage and was refunded a check. Now that they have seen my bill and know they are taking out too much, they refuse to reduce my payment accordingly. This means at the end of the year I will have another overage and they will need to send me another check. I have asked them to reduce my payment so I would not have an overage. That is what they are required to do by law!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

I submitted a dispute to Experian, XXXX and XXXX for an account that I was not familiar with. The account name is XXXX XXXX XXXX XXXX, and the amount is {$730.00}. XXXX completed their investigation and removed the account. XXXX and Experian completed their investigation and advised the information was accurate. I spoke with XXXX over the phone and the representative stated that their investigation was concluded by the creditor XXXX XXXX XXXX XXXX XXXX ) who actually sent the account to them to place on my credit report, not by XXXX or a third party. I spoke to the creditor, and they could not give me any information regarding the account, other than it was sent to them by another company, and they would only accept payment. This seems to be a conflict of interest. XXXX was not able to find evidence that I had an account with XXXX XXXX XXXX. I also disputed an account with XXXX Collections for {$200.00} that was on my credit report as a charge off, but it was paid with the original company. I did not have any business with XXXX Collections. All three bureaus completed their investigation process and Experian removed this account as it was not accurate. The remaining two bureaus updated the account as paid. None of the three bureaus have the same information. Neither of the above accounts should be on my credit report. I have attached the copy of the two disputes that were updated as mentioned.
Product: Payday loan, title loan, or personal loan

I don't remember the date but I checked my mail one day and there was a check to deposit from Curteosy finance in XXXX, Ga on XXXX XXXX. It was for XXXX. I had not put in for a loan at this company. Why the sent me check maybe bc my credit score was good then and in the past before I had put in for loans. Well I deposited the check into my XXXX XXXX account. Then a week later I get this this book and it's payments, intrest rates high intrest rates, and I wasn't sick then so I did start paying. Well when I was diagnosed with stage XXXX XXXX put on XXXX at that time XXXX a month. They call me and cuss me out and I mean one lady called me a very bad word. They completely harassed me & even came here to my house after calling from different numbers to get me to answer. I reported this to there boss nothing was done. His name was XXXX the lady that called me a curse word idk her name. Well I explained the situation and they wouldn't even work w me at all. Well I called my attorney and he says that it's AGAINST THE LAW TO SEND A CHECK IN MAIL TO ANYONE THAT DOES NOT APPLY FOR IT. So I'm counting on you guys to help me now.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.
Product: Debt collection

On XX/XX/2019, at XXXX XXXX, I received a called from a collection agency " Midland Funding LLC on a Sunday. I owe the original creditor, ( XXXX XXXX XXXX  ) balance owed {$1000.00}. When I received a missed called at, XXXX XXXX  from Midland Funding LLC. I called the number back,XXXX ; a collection customer service agent answered. I inform her. '' you'll not be called me on " Sundays ''? The agent stated she did not know whom I called, however, can I get your phone number for security purposes? repeated the first statement, " you can not be called me on Sundays I told her I'm hanging up now, have a great day! I did my research collections agencies can not call debtors on weekends. I know I owe them money, however, I will not be harassed on Sundays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit file ( # XXXX ) and I observed the following errors : XXXX XXXX XXXX # XXXX : Pay status shows a chapter XXXX bankruptcy XX/XX/XXXX which is inaccurate. There is no record with XXXX XXXX County of me filing a chapter XXXX bankruptcy on XX/XX/XXXX. The date closed is inaccurate as well stating the closed date was XX/XX/XXXX. 
XXXX # XXXX pay status shows a chapter XXXX bankruptcy on XX/XX/XXXX which is inaccurate as well. The closed date is stated on the same date that they claim the chapter XXXX bankruptcy was filed, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several calls to XXXX XXXX XXXX XXXX XXXX XXXX and several voicemails left concerning confirmation of my car payments and remaining balance, on XX/XX/2018 I finally was able to speak with someone over the phone. XXXX XXXX, a very rude, and argumentative guy is who answered. I asked about my balance and he informs me of 5 months of payments here and there that were missed. I informed him that I have receipts for the payment, just not with me at the moment, ( as I was surprised they answered ). He did not understand why I was upset and told me he was still going to file a garnishment for my car, stating it is not their fault they did not receive the payment. 
What's so absurd to me is that the only way to make car note payments is by money order through the mail. This is not a safe method of payment, clearly, things can get lost in the mail. Most importantly I NEVER EVER have received not 1 confirmation of my payments since have bought the car. I would have NEVER agreed to the loan if I would have known the ONLY way to make a care payment was through the mail. 
Also following the rude call on XX/XX/2018, I received notification that XXXX XXXX XXXX has ran my credit/ SSN without my permission. This action was completely unauthorized. Which has dropped my credit score by 5pts. I plan to dispute this entire matter.
Product: Credit reporting

RE :! 15 U.S. Code 1681g - Disclosures to consumers XXXX/XXXX/XXXX Attention Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 
Collection ( s ) Account ( s ) XXXX 
XXXX XXXX XXXX, XXXX {$280.00} Inquires XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.!
Product: Debt collection

CITIZENSONE CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT ID COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE XXXX XXXX IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT. 


PLEASE DISCONTINUE THE THREATS AND VIOLATIONS OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT, AND REMOVE THE CITIZENSONE FRAUDULENT IDENTITY THEFT ACCOUNT FROM MY CREDIT XXXX REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 SECTION 602 states i have the right to privacy, 15 USC 1681 SECTION 604a SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a State of California Tax lien on my credit report they removed a long time ago, after receiving the tax lien document, 2 years later after months of not monitoring my credit they inserted the tax lien on my credit report, this time when they re inserted it, they duplicated the tax lien fraudulently increasing my debt from {$20000.00} to {$55000.00} they are in violation of the Fair Credit Reporting Act section 623, and in violation of U.S. Code ss 168i, this is willful violation by the credit bureau if this problem continues to persists, resulting in a lawsuit against equifax. Equifax swore under oath not to report anymore judgements, liens, or public records except for bankruptcies if the statute of limitations has not run out for that to be reported. They continue to lie about not being able to delete, which is clearly a tactic used to discourage the consumer from disputing, I know the laws, my rights, what they are, and are not supposed to do, They will delete the tax lien and the duplicate immediately, or I will sue, XXXX, and equifax had complied and removed the lien, and equifax is the only one that is in no ln compliance. And they are also reporting it past the statute of limitations by fcra for credit reporting anyway.
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 was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Student loan

I CALLED IN TO FEDLOAN TO INQUIRE ABOUT BY MY PAYMENT HAD INCREASED SIGNIFICANTLY AND WAS ASKING TO OBTAIN A MORE SUITABLE PAYMENT. I WAS TOLD I COULD APPLY FOR A NEW PAYMENT PLAN. I PROVIDED ALL MY INCOME INFORMATON, MADE A PAYMENT AND WAS TOLD TO WAIT 45 DAYS FOR AN ANSWER. I RECEIVED AN EMAIL A MONTH LATER SAYING THAT MY APPLICATION WAS DENIED. THEN I LOGGED IN AND IT SAYS MY LOANS ARE DEFERRED UNTIL XXXX AND THAT MY MONTHLY PAYMENT WILL BE {$0.00}. WHEN I CALL IN I FOUND OUT SOMEONE HAD SUBMITTED AN APPLICATION WITH ME WITH FRAUDULENT INFORMATION LIKE CLAIMING ADDITIONAL DEPENDENTS AND NO INCOME. MY SIGNATURE WAS FORGED ON THESE DOCUMENTS THAT I FINALLY OBTAINED FROM FEDLOAN. IN THE MEANTIME I AM INCURRING TONS OF INTEREST AND AM UNSURE HOW TO PROCEED.
Product: Payday loan, title loan, personal loan, or advance loan

I requested a cash advance XX/XX/XXXX  to my XXXX XXXX  account ; they said it was sent, but I never received it. I provided photos to the company of my account that prove it was not deposited to my account. I asked for tracking or something so I can speak with my bank, but they have provided nothing. They just keep saying they are working on it.
Product: Credit card

As per my American Express credit card statement with Closing Date XX/XX/XXXX, I had to pay a minimum of {$40.00} by XXXX XXXX. On XXXX XXXX, I submitted a payment from my bank. Unfortunately, the bank did not process the payment until XXXX XXXX. Nonetheless, I have been informed in the past by support staff at American Express that they go by the date that the payment was submitted and so in theory I should not have had to pay any late fee. 

However, as per the Statement with a Closing Date XX/XX/XXXX, I received notice that I am supposed to pay a Late Payment Fee of {$29.00} plus Interest Charge on Pay Over Time Purchases of {$2.00}. This is for an outstanding amount of only {$82.00}. This is altogether a fee of 38.5 %. 

This would seem to clearly go against the rule of the Consumer Financial Protection Bureau that limits such payments to {$8.00} per month [ SEE CFPB Bans Excessive Credit Card Late Fees, Lowers Typical Fee from {$32.00} to {$8.00} announced on XX/XX/XXXX. Accessed XXXX XX/XX/XXXX at XXXX : XXXX ] I called American Express Customer Service XXXX XXXX XXXX and spoke to an agent. I questioned the charges and I specifically invoked the CPFB rule. Even after the agent spoke with his supervisor, there was no movement on the side of American Express. I informed them that I would be forced to submit a complaint to the Consumer Financial Protection Bureau and would probably terminate my account with American Express as a result of this treatment but this made no difference at all.