23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The business buried the payment options in the fine print of the welcome kit. If I would have seen that I could not make debit card payments towards the credit limit then I would have canceled it right there on the spot. If I had seen that they didnt accept debit card payments when I applied for the card, I wouldnt have applied for it. 
The settlement that they offered me is offensive. Its not even a settlement. The credit card was for a {$700.00} credit limit. The settlement offer was for {$740.00} and to also put a very small window limit on that which again cant be paid with a debit card is even more disrespectful and offensive. 

The false advertising and fraudulent business practices the company chooses to do has cost me two years of hard work to increase my credit score from very poor to good which is well over XXXX points in less than four months. 

Now they are sending me conflicting correspondence in the mail. One correspondence dated XX/XX/23 states that the account has been closed by me and I must continue making the required payments until it is paid in full. Whatever that even means but Im sure they kept it vague so that you they add more fees and continue to destroy my credit. 

They contracted with or created their own collections agency, XXXX XXXX, to continue their fraudulent business practices. And they dont accept debit card transactions either. 

The other correspondence is dated XX/XX/23 and its an account summary statement which states that I have a balance of {$920.00}. Thats {$220.00} more than the original credit limit with the outrageous fees theyve added. And it also states theyre going to add another {$41.00} to that amount if I dont give them {$220.00} by XX/XX/23. 

Theyve cost me so much more than what they claim I owe then! Two years of around XXXX points of credit score building has cost me close to {$20000.00}, if not more. 
This business has destroyed my credit! 

I even tried to negotiate a settlement in good faith to stop the onslaught to my credit. Theres not a decent business on earth that doesnt accept debit card transactions. The only ones that do not are the ones that like to slowly process money to rack up fees and hurt peoples hard earned credit scores to strong arm them into paying off their entire balance quickly so that their credit score doesnt get damaged anymore. This business is falsely advertising and their business practices are fraudulent. 

There are over XXXX pages worth of complaints filed against this business on XXXX that theyve done, similar if not the same things that theyve done and are continuing to do to me to countless other victims as well. 

Its not fair and its not right.
Product: Credit card

Because we had dual job losses a few years back, Discover placed us on a few programs to assist us with our payments. We made every payment owed. Our last statement showed that they are now charging us 24.99 % interest. Discover now says that our programs are over and thet we have to wait FIVE years before they will consider lowering the interest rate. It was never explained to us that they would charge such a high rate. We can not afford this. We can not make a dent in the principal because of the extremely high rate. We contacted Discover to ask for help, and were told " too bad. '' I fail to understand why we are being punished when we complied with their programs, have faithfully made our payments to them, and are not behind at all.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX  The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX XXXX  Employer - XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX XXXX XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want you to please get rid of this information as soon as possible, I am not related to Chapter XXXX Bankruptcy XXXX and notify me when you do this so I can go ahead and apply for the things I have to apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize any of the 19 delinquent accounts on my credit report listed under XXXX XXXX. Initially, I thought these may have been mine when I noticed all of my information attached to these accounts ; however, upon doing more research I quickly discovered that these accounts are not mine.These loans were all processed online and when I tried to dispute these loans to all three credit bureaus theyve come back as verified. When I tried to speak to a representative at the XXXX company these just told me it was their duty to report such information to the credit bureaus. Please have XXXX XXXX remove all 19x delinquent loans from all three of my credit reports from each bureau as I have been a victim of identity fraud. I have submitted a report with the FTC, for the maximum amount of accounts possible - 5x in total with XXXX XXXX. However, XXXX has hands down been the worst company to try and get this errors removed from my credit report.
Product: Debt collection

someone went and got apartment in my name, and is reporting to my credit, i have disputed this serval times and it keeps appearing on my trw and i just disputed again thru credit report. But this is not my account and says with a company name Kimball Tirey St. John. its hindering me from get a place to live.
Product: Credit reporting or other personal consumer reports

Unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/ XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Capital One XX/XX/2022 XX/XX/2XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a wire transfer from my account with Wells Fargo to a XXXX car dealership in XXXX on XX/XX/2020. The transfer was supposed to be complete by XX/XX/2020. It is now XX/XX/2020 and the transfer has yet to be completed. An internal investigation with Wells Fargo has been started ( case # XXXX ) but have not heard anything from my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
Please verify the following accounts : XXXX XXXX XXXXXXXX Balance {$500.00} ; DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} ; DEPT OF EDUCATIONXXXX XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX Balance {$150.00}.
Product: Credit reporting or other personal consumer reports

I submitted An Auto Loan Application with Bank of America with wrong information and got negative reported.
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me XXXX XXXX and XXXX XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Vehicle loan or lease

I was pressured into a predatory lease with NMAC stating that it would " eat up '' my negative equity. I was told that NMAC would allow me to bring the lease back early and lower my lease payments, or refinance the loan. After paying XXXX for a year and a half and reaching out to the company i realized this was far from the case. During this time I had interruption to income due to health issues and reached out to inform the company that my payments were too high. I was not given any alternatives and was instructed that i could do a voluntary surrender. Against my better judgement and out of my control I allowed NMAC to take back possession of the vehicle to avoid further damage to my credit. I can say that this lease was predatory in nature and nothing was done to help me as the consumer. Since then the car was sold and sold at a high dollar value. This loan is currently charged off but has been refreshed several times. They have also contacted me after the loan was charged off attempting to collect. This lease has been reported to my credit report as 90 days late every month on my credit report since 2019.
Product: Debt collection

TO WHOM IT MAY CONCERN : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. XXXX ) Please remove the following inaccurate address from my credit report : CREDIT COLLECTION SERVICES. According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such is a violation of the fair credit reporting act. Please remove immediately
Product: Credit card or prepaid card

XXXX To : Consumer Financial Protection I received a dated letter XXXX XXXX -XXXX  XXXX for XXXX application for credit request not approved. This application is a FRAUD. Identiy thieves have stolen credit information for ( XXXX XXXX XXXX ) in attempt to obtain merchandise and have also done this in the recent past with XXXX XXXX XXXX and XXXX XXXX store. Please be forward this to the proper authorities for legal processing and investigations. XXXX  XXXX XXXX XXXX p.o. box XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX ( XXXX ) XXXX XXXX XXXX for XXXX application for credit
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

After reviewing my XXXX and Equifax credit reports, I have identified inaccurate late payment that needs reporting and correction through your company.
Product: Checking or savings account

On XX/XX/XXXX, I received an email stating that a payees number was added to my XXXX account. I checked my account and a charge of {$320.00} was debited from my account to an ( XXXX ) number not listed on my contacts. 

After their investigation, Chase moved to decline my claim stating that their IT department confirmed that the transaction was completed from my phone without even investigating who the number belongs to or where it went or try to reverse the transaction or at least get a hold of the other bank. 

As I told them, Im not the one that started the transaction, they are sticking to their claim and not protecting my account as they are supposed to. 

I just receive a letter stating that the temporary credit is going to be deducted again from my account.
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 I seek appropriate redress ( 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 I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal request for reinvestigation and permanent removal of inaccurate information appearing on my consumer credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

This is regarding my previously disputed accounts, which remain inaccurately reported despite my previous dispute filed : XXXX XXXX XXXX  XXXX XXXX account number XXXX ) XXXX XXXX ( account number XXXX ) XXXX XXXX ( account number XXXX ) I have filed complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and XXXX XXXX XXXX ( XXXX  ) regarding this persistent issue, yet it remains unresolved. 

Furthermore, I filed an FTC Identity Theft Report ( Report Number : XXXX ) on detailing how these accounts are fraudulent and a result of identity theft. Despite this, the credit bureau continues to list these accounts as " verified '' without providing any supporting documentation of verification, as required by FCRA 1681i ( 7 ).

Failure to produce verifiable proof indicates a lack of substantiation for the disputed accounts, thereby obligating you to promptly delete them under FCRA Section 611 ( 5 ) ( A ). I have acknowledged that I have presented substantial evidence by furnishing a police report and FTC report detailing the contested accounts, underscoring the gravity of the matter and the urgency for prompt resolution.
Product: Debt collection

I received a letter from TRS Recovery Services, stating that I have a debt with XXXX XXXX  but I didn't shop there. I lost my checkbook months ago, and someone cashed a check for a large amount and my bank won't believe me. XXXX XXXX is attempting to collect {$290.00}, for some reason.
Product: Debt collection

I have continuously reached out to PORTFOLIO RECOV ASSOC. Via online disputes and by certified mail. They refuse to provide appropriate investigation and research results showing debt belongs to me. Amounts disputed I owe {$980.00} ] in [ XX/XX/XXXX ] and [ I owe {$2800.00} ] in [ XX/XX/XXXX ].
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 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. 

It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

IQ data international for the amount of XXXX is reported on my report which is a debt I am not responsible for as I was promised by the property owner of the original debt that I would not owe that, then I was contacted by the debt collector and talked to very nasty by the manager and harassed many times by IQ DATA. I feel completely violated and shamed by how I was talked to and treated
Product: Credit reporting

I TRIED TO ACCESS THE ANNUAL ONLINE CREDIT REPORT AND THE SECURITY QUESTIONS THEY ASKED DO NOT PERTAIN TO ME AND I DONT RECOGNIZE ANY OF THE QUESTIONS AT ALL.I ALSO TRIED TO GET REPORTS FROM EXPERIAN AND XXXX AND THE SECURITY QUESTIONS ARE ALSO UNRECOGNIZABLE TO ME.HOW CAN I FIX THIS?
Product: Checking or savings account

Subject : Immediate Action Required : Escalated Complaint - Account Freeze I am writing to express extreme dissatisfaction and concern regarding the ongoing freeze on my Citibank account. During my employment with Citibank from XXXX to XXXX, there was a delay in depositing the XXXX company matching contribution, which was only deposited in XXXX of the following year. In XXXX, Citibank established an XXXX account to manage these funds. 

Recently, I was advised to complete paperwork labeled " simplified banking, '' which I promptly submitted. On XX/XX/XXXX, after being assured that all documentation was complete and approved, a representative promised that the freeze on my account would be lifted. However, on XX/XX/XXXX, I was informed by another representative that a missing piece of information was preventing the account 's unfreezing. Surprisingly, I received no communication from Citibank regarding this missing information, and I was told that it's not customary for them to contact customers for such matters. I immediately provided the missing information as requested. 

After multiple conversations with supervisors, including XXXX and XXXX on XX/XX/XXXX, I was assured of an expedited resolution and advised to call back on XX/XX/XXXX, to confirm the freeze 's removal. However, as of my recent call on XX/XX/XXXX, the freeze persists despite the assurances given. 

The lack of accountability and the continuous delays in resolving this issue are unacceptable. I have diligently complied with all requests and engaged in numerous follow-ups to resolve this matter, yet the freeze remains unresolved. 

I urgently request immediate action to rectify this matter and remove the freeze from my account without further delay. Furthermore, I seek clarification on the steps being taken to expedite this resolution and ensure adherence to Citibank 's standard procedures. 

I expect a prompt and detailed response outlining the resolution process for this issue.
Product: Consumer Loan

Made a payment in the amount of {$150.00} from my personal bank account on XXXX/XXXX/16 due to arrive to USAA on XXXX/XXXX/16. I received the bill and noticed the payment was not credited and I immediately called. The late fee was credited and the associate advised us to upload proof of payment to the USAA website so they could investigate the dispute. My wife did this on XXXX/XXXX/16. I called USAA today and the associate stated that what we obtained from the bank was not accurate and that they tried to contact us on Monday XXXX. We have no record of this. In the meantime, my account is showing as past due and the associate even tried to collect a payment from me instead of helping me with the issue, which is where is my {$150.00} payment? At this point, I am asking for your assistance as it appears the USAA credit card is not aware of how to process an FCBA dispute. I asked what else they need me to get from the bank and the associate did not know. They said to give them a few more days to look into this but I am not confident of the investigation process.
Product: Credit reporting or other personal consumer reports

I BELIEVE I AM VICTIM OF IDENTITY THEFT, PURSUANT TO SECTION 605B, PLEASE REMOVE THE INQUIRIES ON MY FTC REPORTS
Product: Debt collection

I contacted Mitchell d. Bluhm on XX/XX/XXXX and advised that this debt was part of a bankruptcy, case # XXXX and it should not be reported or collected on any longer.
Product: Mortgage

I have had a mortgage with XXXX for my home in XXXX, CA XXXX for over 15 years. 
XXXX sold my loan to Mr. Cooper in XXXX of 2017. We sent in proof of homeowner insurance. Mr. Cooper could not for some reason receive the insurance information. We sent it to Mr. Cooper several times. They acknowledge the receipt on the phone but have not corrected the escrow payments online. They continue to charge me escrow fees and now late fees for the unpaid escrow payments. 
The company has not sent any notices and my only contact has been from Mr. Cooper representatives when I call in. 
My credit score has been affected going from XXXX to XXXX! 
I am at a loss as to how to correct this disastrous situation.