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

I am submitting this complaint against the XXXX Credit Bureaus for XXXX XXXX XXXX on the listed accounts below. I believe the bureaus are violating XXXX XXXX of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need the XXXX Credit Bureaus to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

XXXX Pacific - Called Care Credit Synchrony Financial at XXXXXXXXRequested credit line increasePhone system requested salary/homeowner informationPhone system did not ask for permission to do a hard-pull from credit bureau before proceeding. 
Phone system denied credit line increasePhone system confirmed current credit line of $ XXXX was not changed. 
XXXX Pacific - Received email alert from XXXX XXXX Type New InquiryProcessed Date XXXX/XXXX/2015Inquirer Name SYNCBPhone Number ( XXXX ) XXXX XXXX Pacific XXXX Called Care Credit Synchrony Financial at XXXXXXXXMale CSR verified informationExplained to him, I was not given the option to authorize a full hard-pull inquiry into my XXXX report. 
XXXX Pacific - Male CSR connected call to XXXXXXXXXXXX Pacific XXXX She placed call on hold and checked request to remove the unauthorized credit inquiry. 
XXXX Pacific - Female CSR did not have the ability to remove the inquiry once the system pulled it from my credit report. I again explained that I was not given the option to say Yes or No to the phone system before proceeding with credit line increase request. 
XXXX Pacific End CallSynchrony Financial / Care Credit did not have my authorization to proceed with making a hard-pull inquiry into my credit report. The system did not explain my options ( opt-out ) before proceeding. I am requesting the above XXXX/XXXX/15 " SYNCB '' inquiry be removed from my file immediately.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this proposed debt. I havent had any contact with the company at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

About two months ago Lexis Nexus agreed to remove the bankruptcy from my Lexis Nexus report ; however, XXXX, XXXX, and XXXX are stating your company is still verifying the bankruptcy. This is a violation of the FCRA and my next action is filing a complaint against your company with the Alabama and GA Attorney Generals office. If you deleted the information from your database ; why are you still reporting to the credit reporting agency the bankruptcy is valid? I am requesting that you inform XXXX, XXXX, and XXXX that the Bankruptcy information is no longer reporting in your database and refrain from verifying information that is not there. I have provided each credit bureau with proof the Bankruptcy is no longer in your database. I will forward this information to the Attorney General of GA and let them know you continue to violate FCRA rules along with the CRA 's. Either your company reporting false information or the CRA 's are lying about verifying with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

One past due payment of {$27.00} dollars, on a store charge card, resulted in a credit score drop of over XXXX points. This essentially ruined my credit score and my ability to apply for loans of any type. It should not be that easy to affect ones credit score in a nation where credit is so important.
Product: Debt collection

My mother was an American Express card member and she passed away the end of XXXX. My husband called American Express the first week of XXXX to inform them of her death and offered a death certificate but they declined. The very next day, we were bombarded with phone calls from American Express wanting to know her estate details. Soon after that we were bombarded with calls from their debt collector XXXX XXXX XXXX trying to collect on behalf of her estate. Every day we have had someone calling and each time we have explained that she was in a XXXX home and there is no estate and no lawyer handling her estate. We did not even have a funeral, no time to grieve and American Express along with XXXX are calling every day and went as far as to send mail to my husbands distant family regarding the matter when they didnt even know my mother! Just because we share the same last name you do not know the actual relationship. So Pursuant to my rights and my familys rights under the Fair Debt Collection Practices Right, I want American Express to send actual documentation that shows that I or any of my family members owe my mothers credit card debt. Provide in writing the date that we incurred the debt and our signatures and anything else that shows we are obligated to pay this debt. One of the last calls I received on Thursday XX/XX/XXXX at XXXX from an American Express Employee calling from phone number area code XXXX XXXX XXXX XXXX XXXX, she was so ridiculous in her attempts to collect information about myself while she shared my mothers debt information to me including how much she owed, etc. No consideration whatsoever & completely insensitive! Here we are in the middle of a pandemic and every single day of it we have had debt collector calls about my mothers American Express debt. Where is it legal to harass family members of deceased persons for their debt and to randomly send correspondences to people they have not confirmed are actual family members of the deceased? It has been 2 months of nonstop calls and now letters from Amex/XXXX XXXX XXXX are being sent to distant relatives homes. This has to stop. No one should have to deal with this. There is no estate, no executor, no lawyer! I am also filing a complaint with the Federal Trade Commission for the unfair business practices and stressful tactics used because I want all communication to my cell phone, my husbands cell phone and written correspondences to unknown family to cease.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I received a copy of my consumer report and Ive noticed fraudulent account/inquiries. FTC definition states that " Identity fraud is when someone uses your personal or financial information without your permission ''. with that being said I have no knowledge of this inquiry and XXXX shall delete it. I did not give XXXX written consent to furnish my consumer report pursuant to 15 USC 16816 ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' once you receive this FTC report pursuant to 15 USC 1681 c-2 you shall delete it in 4 business days if not you would be in direct violation with the FCRA, knowingly continuing to use my information without my authority is another violation pursuant to 18 USC 1028a which is aggravated identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 15 U.S. Code $ XXXX 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 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to 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 listed IMMEDIATELY!
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, XXXX Funds was unable to process my scheduled loan repayment of {$110.00}. I immediately made the payment using XXXX XXXX XXXX directly through XXXX website on the same day. The payment was successfully processed and is reflected in my XXXX XXXX transaction history. I also confirmed with a XXXX agent at the time that the payment had been received. 

However, on XX/XX/year>, XXXX Funds unauthorizedly debited my checking account for the original {$110.00}, plus additional fees. This amounts to a duplicate payment plus fees for the same loan. 

Despite multiple attempts to resolve the issue through XXXX customer support, they have failed to acknowledge my XX/XX/XXXX payment. I have provided screenshot evidence of my XXXX XXXX transaction history and attempted to explain that the payment was made via XXXX XXXX XXXX, not my bank account. XXXX Funds has ignored my repeated explanations and failed to remove my debit card information from their system. 

I am filing this complaint because XXXX Funds has demonstrated poor customer service, a lack of accountability, and potentially predatory financial practices by charging customers duplicate payments and refusing to correct errors.
Product: Mortgage

In XXXX I had a couple of financial hardships due to XXXX pandemic. I contacted my mortgage company Rocket Mortgage. First we had a payment modification, it lowered the payment to {$50.00} which I made those payments. Then we entered in to a forbearance. that stated if i make XXXX consecutive payments of {$1100.00} we would do a loan Modification. I completed that and the loan modification was done. I went to check my credit report and it showed that I was 180 days late. This is a violation of the CARES act. 

Mortgage Forbearance : The CARES Act provided relief for homeowners facing financial hardship due to the pandemic by allowing them to request forbearance on their federally backed mortgages. Forbearance allowed borrowers to temporarily pause or reduce their mortgage payments for a specified period, typically up to 180 days, with the possibility of extension. 
Credit Reporting during Forbearance : Under the CARES Act, if a borrower entered into a forbearance agreement with their mortgage servicer, the servicer was required to report the loan status to credit bureaus as " current '' if the borrower was current on their payments before entering forbearance. This provision aimed to prevent borrowers from being penalized on their credit reports solely due to the pandemic-related financial hardship. 
No Negative Impact on Credit Scores : Borrowers who received mortgage forbearance under the CARES Act were generally protected from negative impacts on their credit scores. Credit reporting agencies were instructed to ensure that mortgage forbearance did not adversely affect borrowers ' credit scores or creditworthiness. 
Communications with Creditors : The CARES Act also required mortgage servicers to work with borrowers to provide accurate information about their forbearance status and ensure that borrowers understood their options for mortgage relief. This included providing clear and timely communications about the terms of forbearance, any changes to mortgage payments, and the impact on credit reporting.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am reaching out to follow up on the complaints, regarding discrepancies on my credit report. As of today, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I am eager to inquire about the current status and any progress made in addressing the issues outlined in my previous correspondence. Below are the specific items that I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$500.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I purchased a home XX/XX/2018. 7 months later I received a letter stating my mortgage payment is increasing $ XXXX/month due to an escrow analysis. I can not afford the increase in monthly payments and would not have signed for a loan with payments that high. I have open up an investigation case with my local tax office but it takes 30 days to get an answer. I do not want to get behind on my mortgage payment or it having a negative impact on my credit. The loan company states that can not do anything about the increase in payments. 
I would also like to add XXXX XXXX to this case which is the local office who has done a 3 yr assessment increasing the taxes. I have only been in the home 7 months. The case number for them is Id # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

All of the auto requests on my report have been falsely applied for on my credit reports. There are many. There are also credit cards. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am an authorized user on my mothers XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Unfortunately my mom passed away in XX/XX/2023. Ive been making the payments however Im not sure what to do next. I contacted XXXX XXXX about the credit card as well as her mortgage back in XXXX I received a packet from the mortgage department but nothing about the credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020, I purchased a car and financed it through XXXX XXXX XXXX. 
Several months prior to this, I had filled out a Pre-Qualification application on the website advertising a different car that I elected to not pursue. 
Several months later I was pursuing purchasing a piece of real estate and was advised that my credit report contained multiple bank credit inquiries between XXXX and XXXX of 2020. 
Upon reviewing my credit report, I discovered multiple unauthorized credit inquiries on my credit report that were not initiated by me and from multiple banks that I had not applied for credit with. These inquiries are from multiple banks including specifically XXXX XXXX XXXX XXXX XXXX multiple ), XXXX XXXX ( multiple ), XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX XXXX, and others that were not authorized or initiated by me. 
It appears that someone or multiple persons have attempted to use my name, my credit, my pre-qual application, or other acquired information got the purpose of obtaining credit. 
I am requesting that the various credit bureaus remove these multiple unsolicited and unauthorized credit inquiries.
Product: Credit card or prepaid card

I received a hard credit inquiry notification from my credit monitoring service. The inquiry was made for a new account with " TD Bank ''. I did not initiate this. I am in the process of trying to stop the account from being created, but my information is leaked enough for this to have been initiated.
Product: Vehicle loan or lease

I am writing to file a complaint regarding my auto loan and what I believe to be predatory lending practices by Prestige Financial. I purchased my vehicle in XXXX with an initial loan balance of approximately {$25000.00}. After nearly three years of payments, I am concerned about several issues with this loan : 1. ) Lack of Principal Reduction despite making regular payments since XXXX, my loan balance remains at approximately {$25000.00}, showing no meaningful reduction in the principal amount. My monthly payments of {$630.00} appear to be primarily covering interest rather than reducing the principal balance. 

2. ) Excessive Interest Rates. This loan carries an APR of 24 % which I believe is exceptionally high for an auto loan. I am charged a daily interest rate of {$15.00} for late payments. At this interest rate, I am paying approximately {$6000.00} annually interest alone. 

3. ) Questionable Payment Medication Practices. This lender has offered lower monthly payments than my initial {$630.00} payment. I was then informed almost a year later that the difference between the original payment amount and these lower payments would be " tacked on '' to the end of the loan term without clear disclosure of the total cost implications. 

4. ) Covid-19 Deferment Issues. I received a three-month payment deferment due to Covid-19. These payments were added to the end of the loan term. 5. ) Concerns About Transparency. The long-term financial implications of payment modifications and deferments were not adequately disclosed. The impact of the high interest rate on principal reduction was not clearly explained at loan originatio
n. The total cost of the loan over its term was not transparently communicated. 

Supporting Information : - Orginal loan amount {$25000.00} ( XXXX ) - Current loan balance : {$25000.00} ( XXXX ) - Monthly payments : {$630.00} - APR 24 % - Daily late payment interest rate : {$15.00} I have maintained records of all payments made and communications with the lender. I can provide additional documentation upon request. 

Thank you for your attention to this matter. I look forward to your response. 

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

I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX. XXXX just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.Experian Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. XXXX open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

XXXX, Experian, and XXXX please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.