23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX Exeter finance corp on my XXXX REPORT This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Exeter finance Corp XXXX XXXX, XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

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

( Block, Inc. ) due to jadequate customer service and XXXXXXXX XXXX XXXX XXXX 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 XXXX with error resolution requileents 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: Debt collection

XX/XX/2018 {$3000.00} incorrect Miss payments also I try to settle with the company but failed on the issue I offer to paid {$1000.00} that I only can afford because hardship ... Capital One sent me to their legal team a third party try to settle agreement but the lawyer/ secretary pushing for more money I do not have ... this mark on my credit reporting and stopping me from getting a new job and also getting out of hardship ... it was on the first credit card and I was naive how credit car 's work and I had got into a car crash and that's when my problem started
Product: Checking or savings account

A account at bank of America was fraudulent opened under my name, I believe it was opened by the bank. I contacted the fraud department and they had very little concern and didn't even close the account when I requested them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep paying XXXX! 
I pay XXXX  again & again & again! 
I pay XXXX with Auto-Pay! 
I paid XXXX  with telephone payment! 


I pay XXXX  with old-fashioned human to human telephone conversation payment method! 
I paid XXXX with my Primary Checking Account! 
I paid XXXX with my Secondary Checking Account! 



Most recently - I paid XXXX with XXXXBalance Transfer! 
No matter what whichway I pay XXXX - it fails to properly register with XXXX! 
XXXX keeps sending false info to credit files! 
XXXX keeps falsely acting as if - I - allegedly - did not pay! 
Even tho - I DID PAY!
Product: Mortgage

I have been trying to get the abstract cleared on XXXX XXXX XXXX XXXX, NY XXXX since XX/XX/XXXX. HSBC bank has given me XXXX different email addresses and many different departments. I have spent hours on the phone with them and my attorney 's office. The attorney says this is not difficult for the bank to resolve, however we can not get them to do it properly. Please see all attached below. I have filed a complaint with the XXXX, XXXX that has not helped. I am at my wits end and simply do not even begin to know what to do anymore. I am in grave danger of losing the sale to the home and am paying the buyers extention fees. I only have 20 days since XX/XX/XXXX, the date we were supposed to close, or I will lose the sale. Please help. I can also be reached at XXXX. 
The following is what XXXX needs to do and hasn't/wo n't do ( emailed from my attorney ) : As you are aware, XXXX DID file a discharge of the mortgage at setout # XXXX for {$25000.00} but DID NOT include in the discharge the Supplemental Mortgage at setout # XXXX which created a single lien in the amount of {$30000.00}. These XXXX mortgages SHOULD HAVE BEEN XXXX TOGETHER ON XXXX DISCHARGE. 

Back when the mortgage was paid off, the XXXX XXXX XXXX was not computerized. Had they computerized at the time, they would have rejected the discharge from XXXX XXXX because it did not include the supplemental mortgage which has created the nightmare we have been in for the past XXXX months! Accordingly, they recorded the discharge for {$25000.00} but left the supplemental open of record. When we ordered a continuation of your abstract, the abstract company caught the mistake and noted it in the abstract at setout # XXXX. 

What we need the bank to do now is prepare a new Satisfaction reciting : that the {$25000.00} mortgage to XXXX XXXX Bank dated XX/XX/XXXX and recorded on XX/XX/XXXX in Book XXXX at XXXX was XXXX in the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, in Book XXXX at Page XXXX. ( See setout # XXXX ). AND they need to add language to the new discharge like : " Said discharge inadvertently omitted a supplemental mortgage to XXXX XXXX Bank dated XX/XX/XXXX in the amount of {$9300.00} recorded in the XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in Book XXXX at Page XXXX. This supplemental mortgage is PAID IN FULL and ( whatever entity is authorized to sign ) ________________ does hereby consent that the same be XXXX of record. ''
Product: Debt collection

I have twisted in writing ( twice ) verification of this debt. I had medical coverage throughout the time that this company claims I've owed this, but I get no response. Finally it dropped off of my credit report from old age, so they changed the date of first delinquency, and added it back
Product: Checking or savings account

My paycheck should have been available to me Wednesday it is Friday and I still don't have it the company said it would be fixed Friday and it still is not
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} 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 XXXXXX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

As has been well publicized, Equifax has lost the personal credit information for 143 million Americans. To prevent further identity and credit theft, it is imperative that our credit can be frozen.
At this time, the credit bureaus will only allow a fraud alert but not a freeze, unless one is ALREADY a victim of identity theft ( AKA closing the barn door after the horse has gone ) or by paying each bureau a fee.
Product: Debt collection

Debt Collector : XXXX XXXX XXXX XXXX, 2016 ( 1 yr, 7 mos ) Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} I did call the paramedic but when they showed up, but my daughter was fine and decided to drive her to the emergency room myself. They took my name and social anyways, and I asked why, they said just to make sure. And I said will I be charged they said NO.
Product: Vehicle loan or lease

I received an RV loan in XX/XX/2020 from Bank of the West through the RV dealership. 

They included extended warranty coverages that were not explained to me and I never received documentation for the details until I had to contact the warranty companies and cancel. They applied credits to my RV loan, and the bank processed in such a way that I had " no payment due ''. 

However, I continued to make monthly payments. I do not receive any statements so when I log on, they provide a transaction history showing almost ALL payments have been applied to INTEREST and nothing going toward principal. And NOW they tell me the loan is past due ( after no-payment-due ) which is double the monthly payment! 

Is this bank a legitimate banking operation in the United States? Is it FDIC insured and allowed to make loans? From online review resources, they are ruining people 's credit with their nefarious practices.
Product: Credit reporting or other personal consumer reports

All my information on all three credit bureaus were compromised in a data breach. All the information on all three credit bureaus are in accurate and should be cleaned up and removed all negative items.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX ACCT XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  XXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Opened on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called Chase regarding the interest I was charged on XX/XX/XXXX On XX/XX/XXXX, a payment of {$5000.00} was made and posted to the account then, onXX/XX/XXXX, I was charged interest on the original balance of {$6600.00} instead of on the current balance of {$1600.00}. When I called Chase, I asked to speak to a Supervisor and the lady I spoke to was extremely rude and would not let me speak. She said I was being charged {$110.00} in interest on the {$6600.00} because that was my balance inXX/XX/XXXX even though the interest charged was inXX/XX/XXXX, 5 days after I made a huge payment to my account. The billing cycle did not end untilXX/XX/XXXX and I made the payment on XX/XX/XXXX before the billing cycle ended.
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I contacted Equifax as I was unable to access the account that I created for the purpose of having control over freezing/unfreezing my account, and to review my credit report. The problem was sent to tech support as it kept telling me that " We are temporarily unable to complete this request. '' I also tried to recover my account, but the message was always " We didn't find an account associated with your information. The data was more than triple checked. The person who helped me, XXXX, said that this should be resolved by tech, and kept saying Sorry Sorry continuously. The tech support then sent an email form letter that said they resolved the issue. 

XX/XX/24 I have tried this XXXX  to sign in. The same thing keeps happening. I am beyond frustrated and angry as so much time was spent yesterday on this problem. I spoke with two agents and told them that I was also very frustrated and angry. One person named " XXXX '' hung up on me after say sorry over and over again.. The other one named " XXXX '' told me that she was sorry, and that she referring my problem to the tech department ( again ). I checked and rechecked. 

Note all agents told me to try XXXX XXXX as XXXX and XXXX were not appropriate browsers for Equifax. Of note that is not noted on their website. Also, XXXX told me that my name needed to be in all caps. I did that, even though it is not noted to do so on their website. It made no difference. Finally, I was able to get my XXXX chrome to load up on my old laptop. I was excited. I tried to sign in using the information that all agents said was correct. I kept getting the same two messages as noted above. Now I get to wait for the form letter from the tech department. Oh joy. 

The source of my anger is that this company did not maintain adequate security and thus what is known as Equifax Hack, and to this day, all of my financial data is now sitting on the dark web. I never received a settlement from that angst. Now I am stuck in a dystopian situation where the error messages are just piling up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my Federally protected Consumer right to privacy and confidentiality under USC 1681. 

XXXX ACCT NUMBER XXXX XXXX  ACCT NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX  ACCT NUMBER XXXX XXXX XXXX ACCT NUMBER XXXX XXXX XXXX ACCT NUMBER XXXX 15 USC 1681 Section 602 ( A ) affirms a right to privacy.

15 USC 1681 Section 604 ( A ) affirms that a Consumer Reporting Agency ( CRA ) can not furnish account information ( or status ) without written permission. To date, no such permission has been granted or authorized.

15 USC 1681c ( a ) ( 5 ) affirms that no Consumer Reporting Agency ( CRA ) may make any consumer report containing the following items of information : other adverse items of information or records of convictions of crimes which antedates the report more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) affirms that a person shall not furnish any information relating to a consumer reporting agency if a person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXX ). Spi 'ically, Cash App XXXX to 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: Vehicle loan or lease

i had a lease with GM Financial and totaled my vehicle on XX/XX/2022. XXXX XXXX sent the entire loss amount to GM Financial because they would not release the title without receiving more than {$12000.00} in additional funds that is mine. It is now XX/XX/2022 and I still have NOT received my check BECAUSE GM Financial is playing the " float '' game and keeping my funds for their backend income capture on interest income. This is an illegal practice and should never be condoned by you!!!! Please investigate! Please assist me with getting resolution and protecting US Consumers from this abuse going forward!!!!
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 XXXX account balance {$800.00} on my Equifax Credit Report has violated my rights. 

15 USC 1681 section 602A. States I have a 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.

15 USC 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 USC 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 a reasonable cost to believe that the information is in accurate.
Product: Credit card or prepaid card

I purchased a prepaid XXXX XXXX card from a local convenience store on XX/XX/2022. The card was to be given to my son to be for school purchases. This was a variable load Visa card and I chose to load {$500.00} to it. The card did not activate properly and when I check its balance there is none. I have contacted Incomm at least 5 times as XXXX XXXX to fix my card but I keep getting the run around and told to wait XXXX hours and call back. Upon my first contact they requested pictures of the gift card front and back, a copy of the purchase receipt and a copy of my ID, all of which were provided on XX/XX/XXXX. I am out {$500.00} as of XX/XX/XXXX and have not received a working XXXX XXXX XXXX nor a refund. Please help.
Product: Credit card or prepaid card

Hello, I purchased a course valued at {$190.00} on XX/XX/2019 with my citibank double cash back credit card. I had automatic payments set to be executed on the XX/XX/XXXXof every month. The bill was due the 10th of every month. Unfortunately, the auto pay failed to execute and I had to manually pay the bill today XX/XX/2019, which was one day late. This mistake in the auto pay system decreased my XXXX score by XXXX points to XXXX and my XXXX score by XXXX points to XXXX. After I saw my score, I immediately changed the auto pay date to the XX/XX/XXXXt of every month. 

I called citibank, but they did not know how to deal with the problem. They told me that my auto pay plan did pay it on time, but I saw no statement update to prove this. I have provided pictures of my credit score, credit statement, and auto pay plan.
Product: Credit card

On XX/XX/2023 applied for a Synchrony Bank issued TJX Rewards Credit Card in the Home Goods XXXX, New Hampshire store. I provided my full information on the application and my credit was pulled by Synchrony Bank ( noted on report as SYNCB/TJXDC ) on XX/XX/2023. The application was denied, however, to date, no adverse action notice has been received from the bank as I was instructed by the company I would receive in the form of a letter. Therefore, I have no information on how to contact the bank to understand the denial of credit nor can I understand the nature of the decline of the application. However, my credit score has dropped XXXX points as a result of the credit inquiry with no positive result for this consumer. I believe both ECOA and FCRA call for an adverse action notice be sent to consumers within 30 days of application.
Product: Debt collection

I was with XXXX XXXX for 3 1/2 years! They sent me documentation that this debt was paid or settle! I think Citi Bank is trying to double dip! I'm a XXXX XXXX XXXX on a fixed income!, and tried in good faith durning my time of hardship!
Product: Credit reporting or other personal consumer reports

On about XXXX XXXX ( bank ) XXXX XXXX XXXX ( retailer ) XXXX XXXX Those appear on my credit report ( hard inquiry ) I did not apply for any credit with them, and on that time Im travel overseas for my business, I went out of XXXX to XXXX from XX/XX/year> and come bck on XX/XX/year>, so I did not request any credit from those company. 
Please check, that was a scam, identity theft, I hope you will find out what wrong from who apply for XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been made aware that XXXX XXXX XXXX is reporting inaccurate information to the credit bureaus leading XXXX is reporting inaccurate information on my credit report. My credit report with XXXX XXXX XXXX is incorrect and not reflecting the same information on my Equifax nor my XXXX. XXXX has since removed this account from my report and I'm demanding the same be done with XXXX. I am also aware that credit acceptance is being sued by several states for predatory lending, illegal repossession and falsifying information on consumers credit reports. I got this information CFPB and it is valid..
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and fair practices, such 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 and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronics fund transfer act ( EFTA ) & Regulation E. These actions have caused significant loss, and I seek appropriate redress for these violations.