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

I keep getting denied for every kind of credit and money service possible I am being unfairly discriminated against and my human rights are constantly being violated causing me distress and XXXX the main problem is with Transunion reporting inaccurate information and with XXXX XXXX risk services also reporting inaccurate information even after they are suppose to remove it
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. - XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am trying to close an account, but Bank of America is forcing me to call a phone that doesn't work. They are making this process purposefully complex
Product: Credit reporting

I signed up for transunion and XXXX credit monitoring services. I disputed all negative items on my report and many were updated and removed. I also had bankruptcy from 2008 fall of my report during my membership. All of these positive changes in my credit file had me elated. However, my score on all my reports nevertheless decreased. In XXXX case over XXXX points. I am not sure if this is a marketing scheme to keep customer enrolled in membership programs to improve their scores. However, it seem quite suspicious that negative items can be removed from a report and a credit score can significantly drop. These agencies are up to something designed to sell their credit monitoring products and keep customer enrolled after purchase. 

thank youXXXX
Product: Checking or savings account

ON XX/XX/XXXX I DEPOSITED ACHASHIER CHECK IN TO MY CHASE BANK ACCOUNT IN THE AMOUNT OF XXXX. VIA ATM, ON DRAWEE XXXX XXXX CHASE RECHIEVE CASH FROM XXXX XXXX   FOR THE MONEY ORDER AND PLACE FUND IN MY CHECKING ON XX/XX/XXXX FUND WHERE AVAILABLE, ON XX/XX/XXXX FUND WERE SUSPENDED FOR REASON THAT ARE UNCLEAR TO ME, I LATER RECEIVE A LETTER. 
SAING MY ACCOUNT WILL BE CLOSE AND ANY FUND WILL BE MAIL TO ME. FOR MORE THEN A YEAR THEY HAVE BEEN TELLING ME THE CHECK HAS BEEN MAIL TO ME.IN XX/XX/XXXX I RECEIVE A LETTER FROM CHASE BANK STATING THE MONEY WASW SENT BACK TO XXXX XXXX PER THIER REQUEST, WHITOUT EXPLANATION.
Product: Student loan

On XX/XX/2018 my car was broken into and wallet was stolen out of the glove compartment. I immediately contacted my bank, deactivated my debit cards, and made a police report. On XX/XX/2018 I noticed a number of fraudulent checks cashed from my checking and savings account ( over {$14000.00} ). I worked with the bank, their fraud department, the Federal Trade Commission, and the police to dispute the charges. I subsequently was forced to close my checking account ending in XXXX. Around XX/XX/XXXX I contacted The XXXX XXXX XXXX Department and updated my direct debit details to reflect my new bank account information ( checking ending in XXXX ). On XX/XX/XXXX, I received a confirmation that my monthly loan payment would be withdrawn from account number XXXX on XX/XX/2018. On XX/XX/2018 I noticed that my loan payment was not withdrawn. I logged into myfedloan.gov and all of my loans were listed as " delinquent '' and I observed that the direct withdraw was attempted on the closed account ( XXXX ). I contacted customer service at XXXX XXXX XXXX XXXX and spoke to a representative who immediately stated " You are delinquent, would you like to make a payment? ". I explained the situation and she stated that the new direct withdrawal information would take a month to become active. Due to her explanation and my desire to never be late on a payment, I provided my new bank account information and agreed to a onetime payment of {$300.00}. I then emailed customer service and asked why I was provided the attached letter confirming my new direct debit for XX/XX/2018, if it would take a month to activate. I received no response. On XX/XX/XXXX, I noticed that a duplicate charge of {$300.00} was withdrawn from my new checking account for a total of {$610.00}. I contacted customer service and spoke to supervisor, XXXX ( employee ID XXXX ) I explained the situation and requested that the duplicate payment be refunded immediately. He offered no explanation for the mistake -- and went on to report that a refund would have to be issued via the Department of Treasury and could take up to 30 days. He suggested that I dispute the duplicate charge with my bank. I explained that I do not wish to dispute my federal loan payments, but that I will not pay in duplicate. He stated there was nothing more he could do. I inquired if a double monthly payment would satisfy next month 's dues and count towards the 120 needed for the Public Service Forgiveness program I am diligently pursuing. He stated that I could make a double payment this month and that it would still count towards the 120 needed. I asked that he document everything he told me in the conversation and send me an email indicating that 1 ) I remain eligible for Public Service Forgiveness 2 ) That I am in good standing on my loan payments 3 ) That I was charged twice this month for a loan payment which I made every attempt to ensure were paid on time and in full. and 4 ) that I will not be charged for next month 's loan payment. He stated that he would take 7-10 business days to provide me this documentation.

Thank you sincerely for your assistance.
Product: Vehicle loan or lease

Tried to make payment to the company than when I did they said I didn't make the payments. They repossessed the vichicle and than would not give me a chance to get the car back. than would not give me a pay out. than they sold the car for XXXX than said I owed them the full amount of the car plus interest on that amount. and its been over 8 years ago on this loan
Product: Debt collection

At the beginning of XX/XX/XXXX  We placed an order with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.A. 
for home school products - We paid for this order using our bank account. During this time we had decided to not homeschool our children and return the whole order. XXXX was suppose to provide shipping labels and failed to do so. One of their representative recommended we write return to sender on the boxes and take them to the XXXX store which is what we did. 
XXXX Refused to return our money so we filed a dispute with the bank. The bank had refunded our money and then within 30 days took the money back out of our account and sent it back to XXXX. Which i have provided proof via posted bank statements. 

Every time we have called into XXXX we are treated poorly like criminals and then we are reassured this will be taken care of however to this day XXXX still has not refunded our money AND they turned the account into collections via who also threatened to take us to court and also reassured us that this would be removed. 

SOUTHWEST RECOVERY SER Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX We have disputed this with the collections agency and provided the same proof to them and they are refusing to remove the collections from my account. No one at XXXX will help and no one at the collections agency will help and this appears to be a clear violation of the rules set by FCRA any help would be greatly appreciated as they have been falsely reporting and wrecking my credit for over 3 years.
Product: Credit reporting

I went in search of a new vehicle. I went to 4 dealerships filled o out application, then after 30 days of research purchased a newwcv vehicle. All 3 credit bureaus are reporting 12-14 hard inquirys to my my credit. Did n't authorize. The length of credit acquired is not v valid. I have a mortgage with XXXX since 2005. All 3 bureaus need to reflect this.
Product: Mortgage

New Mortgage Servicer - not the bank that loaned the money for the house, but anyway, calls on the XX/XX/XXXX if the payment is due on the first two months in a row and it is done at XXXX XXXX  which is illegal they can not call before XXXX XXXX and I work nights  and this is the second month in a row they have called. I notified them twice and that is why I am filling this report they are not following the terms of the agreement and I am sick of being harassed I believe that they need to be investigated for their collection process. I have two months free of charges during their transfer period. Where is the protection for the customer when these " companies '' handle your mortgage just looks like more fraud to me and if they play with my mortgage one more time I am walking and you can all go XXXX yourselves.
Product: Mortgage

In XX/XX/XXXX I applied to XXXX XXXX  to refinance my Ditech mortgage. 
I was approved for the loan in the amount of {$260000.00} at an interest rate of 5.375 %. Ditech was contacted several times by me and XXXX XXXX beginning XXXX XXXX in an attempt to secure a payoff amount for my current mortgage. The representatives at Ditech were aware that I was attempting to refinance my loan and assured me that payoff information would be sent to XXXX XXXX in a timely manner however, that was not the case. My original closing date was XX/XX/XXXX but Ditech failed to provide the payoff information before the closing date. After numerous attempts get payoff information by myself and my representative from XXXX, Ditech finally sent the information on XX/XX/XXXX with a payoff amount of {$380000.00} which included a daily per diem interest rate of {$1300.00}. Needless to say my loan through XXXX was rejected and I am back into foreclosure with Ditech. I truly feel that if Ditech had processed my request in a timely manner I would have been able to secure the loan through XXXX. 

Anything that you can do to assist me with this situation would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sick and tired of XXXX, XXXX and Experian violating my consumer rights over and over again. They are lying me stating they have done an investigation to verify the accuracy of these late payment when in fact I KNOW they are lying. I have been in dispute with getting the following late payments REMOVED and updated on my consumer report. Late Payments removed from : XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX They have violated so many of my consumer rights but here are a few : 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and According to : 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
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measure 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 didn't 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 card

I took out a car rental in XXXX on XX/XX/XXXX and got into an accident with the rental, when I opened the claim I was told I need to send them several documents including a police report so I sent them all the documents excluding the police report and advised them that at the accident I called the police but no police showed up and I actually waited for like 5 hours on the side of the highway until the rental company brought me a replacement vehicle... so amex told me that I wouldn't need a police report being that I don't have one, at one point they emailed me that they have almost approved the claim just didn't find the charge associated with me paying for the rental with that card but then they found it ever since I've been getting emails from them saying that they need a police report and after I call them they say that they will waive it and approve the claim but the same joke keeps on happening ... .. get emails, call, repeat .... 

Update XX/XX/XXXX XXXX told me that claim is in adjuster review and I should ignore the emails for police report and should wait patiently which I've been doing for 4 months now approximately.
Product: Money transfer, virtual currency, or money service

I was scammed on XXXX through Capital One in a rental scam. The scammers managed to get me to send them a security deposit and the first month 's rent before I discovered the scam and reported it to Capital One on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Capital One denied my claim citing the reason for denial as " The payment was processed according to your payment instructions. '' However, they are obligated to refund fraudulent transfers which, according to CFPB guidelines include scams like this where the scammers impersonated someone else and got me to authorize the transfer under false pretenses. The transfers through Capital One were fraudulent because I never received the goods I paid for and because the recipient was impersonating someone else.
Product: Credit card

Subject : Urgent Report Regarding Fraudulent Activity and Identity Theft Dear [ Consumer Protection Bureau ], I hope this message finds you well. I am writing to report a case of identity theft and fraudulent activity involving XXXX XXXX XXXX XXXX credit. I have diligently tried to resolve this matter directly with the involved parties, but unfortunately, my efforts have been met with significant challenges. 
Here is a detailed account of the situation : Fraudulent Account Creation : I never applied for a credit card with account number XXXX from XXXX XXXX XXXX XXXX. However, an account was created without my consent, and XXXX XXXX reports it as if it belongs to me. 
Employment Related Issue : I was an employee at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX ). During my employment, the managers, including the general XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, and XXXX XXXX XXXX, misled me into applying for a credit card, which resulted in the unauthorized creation of the account. 
Unauthorized Credit Card Issuance : After applying for a XXXX, XXXX XXXX issued me a store credit card without my permission, claiming it is an automatic approval if the XXXX application is denied. This practice seemed irregular, and when questioned, the general XXXX dismissed my concerns. 
Stolen Car Incident : Following my resignation, my car was stolen out of XXXX XXXX XXXX employees private parking lot by XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX And XXXX address : XXXX XXXX XXXX XXXX  Tx XXXX where I found my car at and hes ID N : 1XXXX who I believe may have ties to the mentioned managers due to the circumstances surrounding my departure. 
Police Report and Lack of Resolution : I reported the car theft to HPD ( XXXX Police Department ) with report number XXXX, but there has been no resolution. Despite providing all necessary documentation, the case seems to be in limbo. 
Unresolved Credit Issue : XXXX XXXX 's investigation into the fraudulent account has yielded no results, and they continue to insist that the account belongs to me. 
I have exhausted all available avenues to resolve these issues, and I am now seeking assistance from the Consumer Protection Bureau to investigate and intervene in this matter. I have retained all relevant documentation, including screenshots and records of conversations with the XXXX XXXX XXXX managers. 
Your prompt attention and assistance in this matter would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX  : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Unfair. Fix the account number and send a full report. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting or other personal consumer reports

I check my credit report regularly. I noticed CBNA on my report. I do not have an account with them. I contacted them and using my social security number and my email, they could not find an account. Im not sure why Im seeing this. Ive never had an account with this company.
Product: Credit card

I filed a dispute with PayPal on XXXX/XXXX/2016, which Paypal closed on XXXX/XXXX/2016 without communicating with me or investigating on my behalf the fact that a seller with Paypal defrauded me out of {$2600.00}. Per Paypal Dispute Resolution policy, I filed a request for Arbitration on XXXX XXXX, 2016, and I sent it by Certified Mail per Paypal policy, and I have the mailing receipt. Paypal has not responded to my request for arbitration and has ignored my repeated requests to have this matter presented to arbitration, despite Paypals 's policy regarding the consumer 's right to arbitration. Most recently, Paypal continues to claim, in written correspondence to me, that they have not received my request for arbitration, even though I have a certified mailing receipt that XXXX was mailed to the PayPal/Bill me Later, XXXX. XXXX, XXXX XXXX, CA, Litigation Dept. address. 
Please assist in this matter as Paypal is not following it 's own policy regarding the consumer 's right to request arbitration and their advertised consumer protection policies regarding Paypal 's Consumer Purchase Protection Agreement.
Product: Debt collection

I received a letter from yet another collection agency regarding an account in my name that was fraudulent and the result of identity theft. I called the collections company and explained that there has already been another collection company which has dropped this matter due to ID Theft. They stated that they received the collection from XXXX. I told the agent I spoke with at the collection agency that they are not to contact me in any manner again about this matter and that I was filing two complaints today with CFPB- one re : their agency and a seperate one about XXXX . I have been dealing with ID Theft for over two years and I have placed freezes on all my credit reports, I have made police reports, reported it to the FTC and made several complaints on this website. I am weary of all this and I need some relief. 

This is regarding an account someone opened in my name and with my information in XXXX XXXX, FL at a fraudulent address. I am not sure if it was for cable tv, internet, phone, or what, but XXXX definitely does not do due diligence in opening accounts. They should not have been ABLE to open an account in my name due to a security freeze on all my credit bureau information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$370.00}.
Product: Debt collection

This credit card, was fraudulently used on my behalf with in XXXX   XXXX, Co. I have never resided or was XXXX in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. After my annual income tax wages were garnished to pay the delinquent amount. 
When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. I sent a letter to XXXX XXXX XXXX  to have them investigate. They did not acknowledge my 3 attempts. I have written letter on the following days : XX/XX/2018, XX/XX/2018, XX/XX/2018. 

I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.