23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My Chase XXXX credit card was wrongly flagged for fraudulent activity. The company did not contact me to verify whether or not I had initiated the action, but merely assumed my card/identity had been stolen, and " permanently closed '' my account on XXXX XX/XX/2019. They did not notify me of this action, nor give me a reason for my account 's closure - I found out when my card had been declined, and I called in to the number on the back of the credit card. I had to spend hours on the phone over 9 weeks, and speak to numerous people, submit multiple pieces of documentation in-branch at XXXX, NY, 2 hours away from my home, and threaten legal action,  before I found out the reason for my account 's closer - it had been wrongly flagged for fraud. They did not give me an opportunity to use the {$700.00} in rewards points I have accrued over the years, nor let me copy any of my credit card statements, as they had locked me out of the online portal and app. I have spent over 20 hours on the phone over the course of over two months, with no resolution. The person handling my case is in the XXXX, XXXX XXXX XXXX, who has only called me late at night, and has an extension that does not work for incoming calls. I would like my stolen rewards points back, as well as access to my records.
Product: Credit reporting or other personal consumer reports

Dear CFPB, It is over 7 years dealing with XXXX XXXX  loan # XXXX now as of last month they reported me as late on my mortgage. i have proof all payment being made on time. 
XXXX now refuses to answer my calls or even escalate this to their managers. XXXX XXXX representatives told me last week they made a mistake and they will call me in 3 months with an update. 

This is really affecting my job, financials and personal life. XXXX is liable for reporting me late on my mortgage and now they refuse to address this issue. 

Please help!!!
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$21.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( 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 measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Also 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 regulations E. These actions have caused significant inconvenience as well as financial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working on repairing my credit for the past month or so. I've asked to update my personal information due the fact that they have all of my old addresses and misspelling of my names on my personal report. I would like for these to be deleted as soon as possible.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX, TX XXXX Inquiries : 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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover is currently reporting In accurate information. Account was resolved before closure
Product: Vehicle loan or lease

XX/XX/2019 & XX/XX/2019, I was physically XXXX per XXXX. 

I didnt have any paystubs to prove I had a job or a Nj driver license in my possession XXXX XXXX XXXX was stolen XX/XX/2019. 

Wells Fargo approved a loan with XXXX XXXX group without a paystubs, car insurance, a Nj drivers license. 

Nj Motor vehicle took the vehicle out my name XX/XX/2019. Due to a salvage title filed with them. A flood damage XXXX rental car with miles rolled back to XXXX.
Product: Student loan

Around XX/XX/XXXX/XX/XX/XXXX, I received a letter stating the income based plan I was on with XXXX/Navient was ending because I was on it too long and my payments would increase from roughly {$72.00} a month to {$190.00}. I called them immediately and explained I could n't afford that. I was told to call back closer to XX/XX/XXXX when the payments would increase to see what could be done. XX/XX/XXXX, I started my graduate program again and got a one month in-school deferment only because I had exhausted the other months already. So XX/XX/XXXX when repayment began, the payments increased to {$190.00}, not XX/XX/XXXX as I was told. So I called and explained my situation. The rep completed a financial worksheet regarding all my monthly expenses. After giving her all this, she stated that there was nothing they could do because she calculated I had {$230.00} left at the end of the month to pay them. I did n't qualify for the rate reduction program or the reduced payment program. There 's no way I could give them that. My expenses fluctuate each month and I count on that to cover those or any incidentals that happen. I removed my automatic draft and began to pay what I could afford, roughly {$70.00} to {$75.00} each month. Unfortunately, my account began to fall behind because I was n't making the full {$190.00} payments. I then began receiving at least XXXX to XXXX calls a day from Navient about my account. I called back XX/XX/XXXX to discuss the account again. Another rep told me the same thing as the previous rep did. I still have too much money left over. I continued to pay what I could afford. On XX/XX/XXXX, I called again to discuss my account. I spoke with a XXXX ( employee ID # XXXX ) and was told this time that there is no payment reduction program and basically the other reps lied to me about it. He also said that they should n't have wasted their time completing the financial worksheet and did n't bother to take any info me this time. He offered two solutions : a payment plan to bring the account up to current. But that would n't resolve the overall issue of not being able to afford the payments. His other solution was for me to take out another loan from a bank and pay them, which is the most idiotic thing I ever heard. All of my other loan servicers have worked with me when I had trouble paying, regardless of how many times I 've had to ask for help. I have XXXX other loan providers and do n't have an issue with any of them. XXXX/Navient is the first to refuse to help. I do n't want them to default, opening myself up to a whole new set of problems. I need help and them to work with me. I 've had this loan since XX/XX/XXXX and when I was making payments, I never missed. And now, they refuse to provide any kind of assistance.
Product: Mortgage

On XXXX/XXXX/2015 XXXX XXXX ( XXXXXXXXXXXX ) XXXX XXXX. This is a HARP loan refinancing reservation number XXXX. All the paper work has been completed ( see attached ). After 45 days I got a letter saying the loan had been declined because : Ineligible Subordinate Financing. I called XXXX XXXX XXXX they have no problem in signing a subordinate Agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a credit report I received that showed items reporting some information that is not correct and I do not recognize and authorized. The unverified, incomplete, inaccurate items on my credit report in violation of Federal Law. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they failed to provide evidence to support ownership of the debt, they did not furnish the paperwork required to show 100 % proof that I own the debt.

I have disputed these accounts from the three Bureaus. These are not my accounts. Please help me remove it from my file. I contacted the 3 major Bureaus and told them these are not mine and should be removed but I could not get any help
Product: Debt collection

Hunter Warfield claims I owe XXXX to XXXX for an order I did not place or receive. The order in question,XXXX, for an XXXX, was placed on XXXX XXXX using my XXXX. I have no use for XXXX products and would not order this item. It appears someone from my household placed the order using my saved XXXX on the site, I believe XXXX or XXXX payments were made on the item and this was purchased on a payment plan called flex pay. I have not placed an order with XXXX in quite sometime, the last order was returned, a XXXX computer. I would advise the collection agency, Hunter Warfield, that the payments made already for this item should suffice as again this is fraud. In closing, please advise them to stop collection efforts and remove account from credit bureaus
Product: Debt collection

KOHLS/CAPITAL ONE is reporting a claim on my credit report which is showing as a closed derogatory charge-off with {$410.00} balance, which I believe is inaccurate. 

I've sent two certified letters to the company. The first one was delivered on XX/XX/XXXX- with no reply, no requested documents provided, no validation of the account & did not mark the account as disputed with the credit bureaus with the legal time frame of 30 days, as stated and outlined in the FRCA. 

In my letters I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. In which I requested the " validation '' ; to be competent evidence bearing my signature, showing that I have ( or ever had ) some contractual agreement with the company ( which is my legal right as a consumer ). 

I also made the company aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from their company or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if they can not validate the account, then they must request that all credit reporting agencies delete the entry. 

The second letter was delieveredXX/XX/XXXX, 30+ days after the initial letter requesting yet again proof of validation & to advise the company that this was not a refusal to pay, but a notice that the claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the account they are reporting to the bureaus. And requested proof that I am indeed the party responsible for the debt & the derogatory account that they are reporting on, and that there is some contractual obligation that is binding on me to this account. 

In addition, I made clear that the letter is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 

As of today, the account, balance & derogatory marks are still being reported to the bureaus and no validation of the account being mine has been provided, sent, or followed up on. 

I have attached to this complaint the 3 certified letters I sent to the company, copy of the 2 delivery confirmation receipt, & information/account status being reported by the company to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX.
Product: Checking or savings account

I have had a checking and savings accounts for years with chase. I went to a drive through ATM Chase at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX branch. I tried to withdraw {$700.00} dollars. Everything went well until point where machine sound of counting money appeared a message on screen stating unable to give you cash at this moment. I stayed there a few minutes, logged in into my phone Chase mobile app and saw that - {$700.00} transaction followed immediately by {$700.00} credit which I thought had fixed the issue. Went around and used the ATM next to it and was abled to withdraw {$500.00} with no problem. Days later I saw - {$700.00} and called them. They opened an investigation and gave me {$700.00} credit back. Then today I checked again and saw a - {$700.00}. They took away the credit and so I called them again. They hung up after 25 mins and I called again then they stated the investigation was not on my favor and it was closed and if I didn't have probe don't even bother and investigation could not be reopened. I asked them they have access to my accounts, they have access to the ATM cameras and the rudely stated it was closed and money was missing so I was responsible for that. I am extremely shocked, I feel robbed and me being a loyal customer for so many years and they are okay with taking my money when obviously there are ways to probe money was never given to me by the ATM. Each ATM has cameras and they are refusing to help me. 
Please I need help and guidance, I don't know what else to do. I am a mother of XXXX and every penny counts for me and mi little ones.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I attended the XXXX XXXX XXXX XXXX XXXX from XXXX - XXXX. My original private loan amount from XXXX XXXX was {$19000.00}. I have been making payments on this loan since XXXX - XXXX. So far I have paid XXXX XXXXXXXX and I still owe almost {$14000.00}. I feel this is predatory and has ruined my whole life. I am over {$30000.00} in credit card debt which I lived on to make sure my payments were up to date. I applied for a loan discharge since my school was a for profit school but they deny my application without any reason for their decision. Once they denied my application and took me off of forbearance, they expect a {$300.00} payment right away, which I do not have. Now they are transferring my loans to XXXX. I really want some answers because I have paid this loan twice already. The XXXX XXXX made me think that I would be making {$37000.00} a year back in XXXX and I never made over {$10.00} an hour after receiving my degree. I didn't learn anything from this school, I paid for all of my books out of pocket and had to XXXX XXXX XXXX XXXX XXXX XXXX. I want answers and I want relief!!!
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Debt collection

I received a debt to collect from IQ Data after annoying phone calls. The letter is not on a company logo and looks fake. The envelope is date stamped XX/XX/XXXX but was not mailed until XX/XX/XXXX. No one signed the letter and only put a # XXXX. 
I replied to my landlord back in XXXX ( at the time a debt was being paid ) and collected for them after I moved out. Fraud started to occur with the payments and the account. I disputed it timely and it was left alone no one continued to contact me. They always had my current mailing address. NOW out of nowhere this IQ collection letter comes in my mail BUT not until AFTER they wrongfully dinged my credit with the collection item AND it is not SHOWING as DISPUTED on my account. THEY have also added interest of over {$400.00} to a timely disputed account WHEREIN I never even rightfully got my security deposit back either. 
MOREOVER, I have security freeze and fraud alert on my social AND neither alerted me to this item transaction going on my credit. NOR are they acknowledging any of the correspondences that I keep legally sending to them. I was wrongfully denied a refinance because of this illegal activity placed on my credit that is not showing correct data, how much I paid to them, or that it was disputed timely back in XXXX when I contacted the city of XXXX and the county of XXXX for them having a aoartment building that was not up to code and the XXXX XXXX XXXX for them engaging in accounting fraud. 
FURTHERMORE the orginial landlord sold the property to another company back in XXXX and they did not pursue any more collection back then. IQ data has two address : XXXX XXXX XXXX XXXX WA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.
Product: Debt collection

After giving this company a 30 day notice I mailed and emailed XXXX XXXX XXXX a 30 day notice that I would be moving out at the end of XXXX XXXX. I repeatedly tried to call them to meet me for a final walk through but no one responded. In XXXX XXXX, I received a bill for over {$4000.00} in " damages ''. I contacted XXXX XXXX notifying her that the amount was incorrect and sent pictures as well. She stated, " After my supervisor reviewed the pictures from your move out and your email in response to the charges, he has agreed to remove the paint charge of {$1200.00}. You still have a total of {$1700.00} of move out charges and balance owed to XXXX XXXX XXXX is {$2200.00}. You will need to talk with XXXX to set up payment arrangements. '' I contacted her stating that I did not owe any money for the floor because I did not damage the floor. Also the repair cost they stated was too high. The floor became damaged due to a leak from the AC unit in the attic. The maintenance personnel repaired the leak. Also I did not damage any cabinets or shelves. I noted that they were off track in the move in document. I notified the property management of the damage and they said it would be taken care of. The floor boards were never replaced. I contacted XXXX XXXX about getting a final settlement amount and payment arrangements. I called and sent several emails asking for an explanation of the {$2200.00}. No response from XXXX XXXX XXXX. In XXXX XXXX I received a collection notice from National Credit Systems Collection Agency stating that I owe {$2200.00} and must be paid as soon as possible. XXXX XXXX XXXX did not contact me concerning this after I made several attempts to settle the issue. It should not have been sent to National Credit Systems collection agency without giving opportunity to settle the issue.
Product: Vehicle loan or lease

Carvana is using consumers desperation to force them into paying high down payments. Any down payment is a violation of the truth in lending act 15 USC 1605a & 15 USC 1662. Pursuant to 15 USC 1602 of the truth in lending act, a consumer can regularly extend credit, since I refuse to violate consumer law my extension of credit is being denied which is a violation of the Equal Credit Opportunity Act 15 USC 1691. Violations of truth in lending carry both civil penalties and criminal charges, I have every intention of filing similar complaints with the state and the federal attorney generals office.
Product: Credit reporting or other personal consumer reports

I have a charged off account in discovery student loans. I did not receive any notifications from them that my account was charged off or that I have an overdue balance. When I checked with them, they said that everything was being sent electronically when I requested to have everything sent through paper as I made sure I have documentation as Ive had previous experience with discover student loans, and it was a terrible experience. I have just learned to ensure that I have documentation of everything going on, but I have not received anything after I had an issue with them last year in XX/XX/2023. Thankfully that issue was resolved but I have not received any information or notification from them and now theyre saying that my account is charged off and I have an overdue balance, and it is now affected my credit score. I have called them and asked to see if they can assist me with this and they say they can not because they sent me notifications and statements to my email but once again they have sent it to the wrong email and theyre telling me that it is my fault because I did not update my email. Although I originally have asked only for paper billing and have documentation because I know who they are and how they can mess up.