23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I submitted a Debt Forgiveness Request letter to Chase Bank regarding 4 charged off credit cards that I am struggling to make payments on. I accept that these are my responsibilities; but my financial situation has drastically changed from when these cards were open. 3 of them are for businesses that are, either no longer active, or not generating the revenue they did prior to COVID and the real estate downturn over the past 2 years. 

The bank has CHARGED OFF all of these cards which means that these balances have been removed from their balance sheets and has reduced their overall tax liability. The totality of these balances is oveXXXX XXXX XXXX  + accruing interest. THIS IS HARMING ME IN A SEVERAL WAYS : XXXX ) Keeping up with the payments is cutting into my ability to save for my retirement ( I am a XXXX XXXX XXXX  ), XXXX ) I am unable to properly support my XXXX grandchildren ( both of my daughters are in their XXXX 's still trying to find stable careers ), XXXX ) This is causing XXXX  stress to me and my wife as we feel that it is an insurmountable financial hurdle, XXXX ) I feel that the bank ( which I have been with for XXXX ) is taking advantage of us by forcing us to continue paying on charged off debts that are no longer on their balance sheets. 

I spoke to a supervisor ( XXXX, ID # XXXX ) on XXXX, XX/XX/XXXX, and expressed my request for debt forgiveness of these charged off credit cards and she recommended that we seek a credit counselor, but they could not help beyond the hardship programs. I thanked her for listening. 

Unfortunately, outside of the CFPB, and the letter that I have sent to President Biden and XXXX XXXX, I will be forced into bankruptcy if these charged off credit cards will not be forgiven. The consumer losses again, while the big banks continue to profit. 

My ask from the CFPB, is to help me, the consumer, to no longer experience harm from this situation. Step in to have them completely forgive these charged off credit cards, so that I can begin being a better provider for my family. 

Thank You
Product: Credit reporting

I contacted equifax to put an alert on my credit about 4 weeks ago which is good for 90 days. I logged into XXXX and found my address was updated to an address I have never lived at in state I have never resided in. I would like to know what I can do to get the XXXX or XXXX fradulant accounts removed from my credit and what to do about finding the person who did this. I do have their address.
Product: Money transfer, virtual currency, or money service

I am filing this 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 effectibe measures to prevent and address fraud on their platform, leaving my account vunerable and unprotected. Futhermore, their deceptive resolution process was unfair and deceptive, as they did not comply with the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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

Transunion Credit Bureau placed a fraud alert statement on my permission and I'd like it removed. Please remove the fraud alert statement from my file.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EXPERIAN Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : XXXX Fraudulent accounts : Ability recovery services opened on XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX, US dept of ed opened on XX/XX/XXXX Those accounts are results of identity theft and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of accounts in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections as reported. Those accounts, collections, appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Debt collection

I at times been a XXXX. 
During XXXX I was an XXXX and my first pay check from them I called XXXX to pay off my credit card. They referred me to LLV Funding ( I do not know the exact spelling ) and was giving an amount and I gave them my card number. I asked twice if this was paid off and I was told this was a settlement. At that time I did not know what a settlement was and now I know. Since I was on a XXXX I asked for a letter of todays conversation and was told that until the payment clears I can not have one. Well when I get back to Texas after the XXXX I did not find a letter to that effect and the next time I was told I only made a payment. 
Since then that company has sent me letters saying I still owe and I only made a payment. Now a new company is sending me letters.
Product: Credit reporting or other personal consumer reports

Early XXXX, I began to look into my credit in order to boost my score. I have life changes occurring that I now realize how much credit matters over cash. 

XX/XX/XXXXXXXX  I noticed MULTIPLE inquires not authorized or recognizable to me. Below are the inquires to reference to. After placing a call directly to the credit bureau involved I was told I needed to fill out a paper and they would mail it to me after I requested multiple times that he helped and did it for me. 

Because these are unauthorized and I tried getting them removed from my report my request was not honored I need a payout based on FCRA consumer laws etc. 

BRCLYSBANKDE XX/XX/XXXXXXXX  via XXXX. 

BRCLYSBANKDE XX/XX/XXXXXXXX  via XXXX. 

Pursuant to 15 USC 1681n I XXXX XXXX, the consumer is entitled to {$1000.00} PER violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three bureaus are INCORRECTLY reporting me as being late with my XXXX XXXX XXXX XXXX account ( XXXX XXXX. 

Each of these bureaus are reporting me as being late or delinquent and I have never been late or delinquent. I have proof directly from the creditor which is attached. This just goes to show you that all 3 bureaus are reporting false information to simply damage someone's credit. 

I need this account to be updated with all 3 bureaus immediately and a brand new credit report to be sent to me for confirmation. 

This is getting ridiculous the way they violate the law. ATTACHMENT SHOWS THAT THE CREDITOR FIXED THIS BUT THE BUREAUS ARE NOT FIXING IT.
Product: Debt collection

account was refunded all money to me. year later about XX/XX/2009 they sent a bill. I sent copy of paper work that showed account was paid in full and closed.years later they send more bills. i send copy of paid in full paper work. they said sorry and yes you are paid in full. we will fix this problem for you. thanks for your help.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my paypal account got limited with the message We require a bit more information to make sure we can support the type of business you are conducting. You won't be able to do certain things with your account until our review is complete. This completely limits everything i can do and HURTS business. Anyway, i submitted the info it asked for, which was, my valid id, and information about my business. After submitting the info, it said to wait 5 days so they could review it. 5 days later, nothing happened. I contacted support, and they said wait another 72 hours. I did. 72 hours passed, and nothing. Contacted support again and they told me to wait another 48 hours. I did, nothing. So i contacted them AGAIN, and they said to wait another 5 DAYS. So i did. And that five days is up today. And i just contacted them an hour ago and they say to wait ANOTHER FIVE DAYS. PayPal is hurting my business and holding MY FUNDS without caring or reviewing my case within the PROMISED 5 DAYS.
Product: Mortgage

Shellpoint Mortgage continues to withdraw insurance premiums from my escrow amount after receiving all the documents showing proof of insurance coverage. 
The following amounts have been withdrawn from escrow account : XX/XX/2020 {$490.00} Shellpoint Insurance XX/XX/2020 {$1100.00} City Tax XX/XX/2020 {$450.00} Shellpoint Insurance XX/XX/2020 : Current escrow balance {$210.00} Today : XX/XX/2020 Noted an insurance refund of only {$71.00}. 

Shellpoint Mortgage has not refunded the entire amount of all the insurance premiums that have been withdrawn from my escrow account, resulting in a negative balance of {$210.00}. 
This will significantly affect the report when the XXXX XXXX is performed.
Product: Money transfer, virtual currency, or money service

I was offered a free trial of Coinbase One. I was told by Coinbase that my debit card would be charged {$29.00} only if I decided to continue with Coinbase One after the free trial ended. However, Coinbase immediately charged my debit card on file for the {$29.00}. I asked Coinbase to refund the {$29.00} and to only recharge my debit card if I decided to continue with Coinbase One after the free trial ended. Coinbase employees refunded the {$29.00}, but placed the refund on my Coinbase account instead of returning it to my debit card/bank account. Now, Coinbase wants me to pay them a fee of {$0.00} to transfer the funds they took from me without my permission. This is wrong. It should be considered fraud. Coinbase not only did this, but they cancelled the free trial without allowing me to continue, until the free trial was over. Coinbase has tried to blame me for all of the issues caused by Coinbase employees and their obviously flawed online ordering system. I wonder how many other consumers their system has illegally charged for supposedly 'free ' trials of Coinbase One? I will be contacting a consumer news team to ask them to do a story on this insanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, and XXXX credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..ACCT : XXXX late payment. XX/XX/XXXX XXXX Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. 

Did I give u written instructions to furnish this late payment on my credit report? 

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1666b - Timing of payments ( 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. 

Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX received text messages from Chase Bank if I was authorizing {$1000.00} transactions I replied ( No ), Chase XXXX from their Fraud department called back to explain that my account was compromised and for me to start moving money around so they can secure the accounts. XX/XX/year> I was instructed to go in Bank and withdraw XXXX to secure the new protected account... they called again XXXX XXXX to XXXX XXXX to complete everything and I wouldn't have to do anything else that they would take it from there upon completion. I was also told by the Hotline fraud department, for Chase Bank, chase bank was doing an internal investigation, with no outcome for the XXXX that they can not or refuse to trace without subpoenas from the courts. Hackers have infiltrated their systems and nobody is safe.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Investigation and Removal of Unauthorized Inquiries from Credit Report Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX, and I am writing to bring to your attention a concerning matter regarding unauthorized inquiries on my personal credit report, in violation of consumer protection laws.

The specific issues are related to the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) - Section 1681b ( f ) : I have recently discovered unauthorized inquiries on my personal credit report. According to FCRA Section 1681b ( f ), a consumer reporting agency may not furnish a consumer report for employment purposes unless the consumer has given written consent. The inquiries in question were made without my explicit consent, and I am concerned about the potential negative impact on my creditworthiness.

Fair Credit Reporting Act ( FCRA ) - Section 611 ( a ) ( 3 ) ( A ) : FCRA Section 611 ( a ) ( 3 ) ( A ) grants consumers the right to dispute inaccuracies on their credit reports. Given that these inquiries were made without proper authorization, I am exercising my right to dispute them and seek their removal from my credit report.

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate this matter thoroughly and ensure the prompt removal of these unauthorized inquiries from my credit report. Enclosed with this letter, please find supporting documentation highlighting the unauthorized nature of these inquiries.

Your swift attention to this matter is essential in preserving the accuracy and integrity of my credit report. I appreciate your dedication to upholding consumer rights and fair credit reporting practices. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ive been locked out of my cashapp account with {$560.00} since XX/XX/XXXX with more than 5 email attempts at contact to unlock. I verified my account. Still no reply. I unlinked my bank account then re linked it with no success. No actions have been made by cashapp to help help my issue.
Product: Credit reporting

XXXX XXXX XXXX XXXX # XXXX ending in XXXX and XXXX have been reporting on my file as Charged Off. I have XXXX. Court of XXXX county court in GA 's judgment where it clearly shows, I, XXXX XXXX, is not party to these cards. They are company cards and company settled the cards with XXXX in official court settlement. I have sent XXXX County Court Order and Settlement Agreements of Company with XXXX to all 3 agencies, namely Equifax but they fail to delete these cards stating that one on settlement is not reporting however the account ending in XXXX is in fact ending in XXXX and XXXX is reporting it improperly or credit agency does not care. This is my 10th or 11th time disputing this as its clearly effecting my credit history and my ability to survive financially. Upon various requests in writing, credit agency failed to even explain how they are verifying this info. Other than these XXXX derogatory information, my credit report has been spotless. There are also tow liens as Public Records from GA State showing as Satisfied however they are never satisfied bit in fact dismissed by XXXX Court in XXXX County, I have written to Experian numerous times but they fail to delete them even when I sent them dismissal from XXXX County.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX XXXX data breach. I want these items Deleted from my credit reports effective immediately. XXXX XXXX XXXX has admitted that I was in fact a victim of this data breach. Please help me delete these illegal accounts from my credit reports.
Product: Payday loan, title loan, personal loan, or advance loan

I went to my bank and ask them can I get a loan. They gave me paperwork. I got the loan then they stopped my account and card and return the loan to lending usa. The bank says I have to pay XXXX dollars. I thought I would have the loan I didn't get the loan so why do I have to pay XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

These agencies ( 1 ) XXXX acct # XXXX, ( 2 ) XXXX XXXX XXXX acct # XXXX, ( 3 ) XXXX  acct # XXXX, ( 4 ) XXXX XXXX XXXX XXXX acct # XXXX, ( 5 ) XXXX XXXX acct # XXXX, ( 6 ) Ok student loan author acct # XXXX, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting

My licence and bank card were swollen. I notified my bank. The XXXX charge is not from me. I have never used that company. This is listed on all XXXX credit reports. 
Also all XXXX have listed XXXX hospital bills from XXXX XXXX hospital, that XXXX, was paid through a settlement and XXXX, is in direct violation of HIPPA privacy act. These need to be removed immediately.
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. 

XXXX : XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I was born on XX/XX/XXXX. In early XXXX, when I just turned XXXX, my mother and I went for a routine cleaning to XXXX XXXX in XXXX, NJ. The dentist, without pre-approval from insurance, performed additional procedures and charged the XXXX of us {$1700.00} for the visit. 

Our insurance denied the charges and the dentist put all the charges on us. We refused to pay. They subsequently sold the debt to Radius Global Solutions, LLC, a debt collection agency.

Radius Global put all {$1700.00} under my name, so I couldn't get an apartment lease for my school. Radius Global demanded that I pay the full amount when I was responsible for less than half of it.
Product: Payday loan, title loan, or personal loan

For my account, there is NO account information about my loan -- payments, when they are due, how much I currrently owe, etc. 
When I log in to my account, this is what I see : Loan number, application date, effective date, loan status, final due date, original loan amount and view documents. 
When I click on " view documents '' it is only the documents I received about the loan. 

I have to call to get my loan balance. 
THE PROBLEM : everytime my balance reflects I'm almost " paid in full '', the balance goes up. I only borrowed {$950.00}. I understand that I pay dearly to borrow b/c of the costs they must make. 

Since my first payment XX/XX/2019 of {$380.00} monthly, I've paid {$2300.00} as of today. I've basically given them over {$1500.00} as of today. That is way too much overage for the company to be making off of people that are already struggling with bills, etc. 

Fair is fair ... 

However, borrowers should have access to vital information for their account -- I should not have to call the company. For all my other bills, I know exactly what I owe, when it is due, etc. NONE of this information is provided because then we can't track how much they are really charging us. 

Again, Fair is fair ... .Yes, I know I have to pay ALOT for borrowing, BUT now you are taking extra payments which is NOT fair. 

Thank you.