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

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report. Thank you. 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The credit card company XXXXXXXX XXXX XXXX  incorrectly submitted XXXX hard inquiries for the same credit card application. The first hard inquiry was on XX/XX/XXXX and the second hard inquiry was on XX/XX/XXXX. I asked XXXX XXXX XXXX to remove one of the inquiries as they had improperly reported and need to submit accurate information. It took over 6 months, but they finally sent me a letter on XX/XX/XXXX stating they submitted a request to all three major credit bureaus to remove the hard inquiry from XX/XX/XXXX. However, it is now XX/XX/XXXX and it still remains on my credit reports, especially TransUnion. I have followed up with them a few times since XXXX about this and they continue to confirm they sent in the request, however the inquiry has remained.
Product: Debt collection

I was called by Zenith Financial Network and Associates about an old debt by the associate XXXX XXXX. I was threatened with being sued and the seizure of my property if I did not agree to pay right away on XX/XX/2020. I explained that I wanted validation of the debt as well as to view the contract saying I owed the money to them. I was presented with a letter that did not contain any of this information, or options to pay off the debt. I have emailed back asking for the validation again but have gotten no response. Also, They are not answering phones at the number given to me to call back. The person on the line was very rude and pressuring me to pay as soon as possible or threatened i would be sued if i did not make an arrangement that very moment yesterday. I explained to him that I was at work and did not have time allotted for personal calls but he would not get off the line and email me the information I had requested. He told me if i did not call back yesterday they would sue me.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
GENERAL REV ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXBalance : {$0.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Product: Mortgage

Initially received a letter saying account hasn't been paid since XX/XX/XXXX  and with a {$500.00} larger monthly mortage. I called them to verify as have receipts of on-time payments. Get sent through the loops of transfers as they can verify me for the account for a week. They finally verify me and explains payments have been refused for partial payments and they will cancel the checks and apply to the balance. I am transferred to insurance where XXXX helps explain I haven't had insurance and needed to remedy it. I explain I wasn't notified but will try to fix it. I ask as I did not know of this issue if there were any way to appeal the fees and ask for financial assistance. I am told to submit in the documents and so the next day I submit in the new insurance documents. I am told to call back as documents will take time to process. I call back and they state documents needs to be resubmitted. I explain I am closing to the deadline and if there were anything to extend the deadline or prioritize my case. I am told to resubmit and call back later. I call back a few days later and they received the documents but will take 10 days to process. I explain that would overlap the deadline. They transfer me to a different department and this department states I am in the wrong department. I am 4 days away from being foreclosed and am stressed out. 

I have wasted multiple days off work to try to resolve this issue to only just be told to call a different department ( without assurance they'll help ). Fifth Third bank needs an open complaint portal so customers can report bad practice.
Product: Mortgage

Escrow analysis was done incorrectly. Taxes paid in lump sum not semi-annually, which deducted more than it should have from my escrow account creating a negative balance in my escrow and increasing my overall escrow payment. Illegally collecting more money than they should be. Requested a new escrow analysis and was never contacted by the company on any update at all. Just told there is no significant change. Escrow does not jump {$200.00} for no reason. I have attached previous escrow analysis documents to show the error in their payment of the taxes, which resulted in a much more significant shortage than it should have.
Product: Credit reporting or other personal consumer reports

late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.
Product: Payday loan, title loan, or personal loan

I had a loan with One Main Financial for a few years making monthly payments, never seemed to decrease the balance. We came to a Settlement agreement of {$4900.00} agreed upon, XX/XX/XXXX, Payment attempt made, unfortunately had an emergency come up that affected the payment, no communication from One Main other that a Monthly statement that only stated the amount of {$4900.00}. Finally on XX/XX/XXXX we were able to make the payment of {$4900.00} and wrote in the Memo and on the payment stub, " Paid In Full ''. One Main has accepted this payment and credited it to the Account, however they are stating that there is still a remaining Balance of $ XXXX and that the account is not closed and paid in full. This information was provided by the Customer Service Rep, when I asked to speak with a Supervisor / Manager, and VP, Executive ETC. that could help with this matter, I was told that all the supervisors were at lunch and that there was not a Executive or VP or Higher within the company that I could speak with. The only help that they offered was to set up another settlement for the $ XXXX that they are saying, I still owe with no written documentation sent to me. 
and the offer to modify the amount which I declined, because they are Now PAID IN FULL, and this account needs to reflect this. 
I have paid well over the borrowed amount between the monthly payments that were made for 4+ years and the settlement of {$4900.00} On a total amount Borrowed of {$5000.00} As far as I am concerned ( and I believe there is a law stating this ) the payment of {$4900.00}, was credited to the account on XX/XX/XXXX and was accepted as a " Paid In Full amount '' as indicated on the stub and Check that was accepted and deposited. 
This account needs to be closed and settled as {$0.00} Balance One Main is  a bad loan company that takes advantage of people that are in need at the time and do not have established credit
Product: Mortgage

My new holiday tradition is an exasperated phone call to my homeowner 's insurance agent to figure out what 5/3 is up to this time. For multiple consecutive years, 5/3 has not paid my homeowners insurance ( out of escrow ) before the policy expires. I receive no notice of any discrepancy or issue from 5/3, only a cancellation notice from the insurance company. I own 2 homes and I have never had this problem with my other mortgage ( different bank, same insurance company ), so I know the problem is not with the insurance company. In the past, 5/3 has claimed that the Declarations document provided by the insurance company doesn't contain the policy coverage amounts and deductibles, although this ( standard ) Declarations has always been sufficient for my other mortgage provider. I have solved the problem in the past by paying for the policy out-of-pocket and resending the same Declarations document originally provided with a verbal assurance that the amounts are indeed right there on the page. 5/3 then pays the insurance company weeks past the due date, who then refunds the money to me. This year, my insurance company has again notified me of an overdue notice and imminent cancellation. I have again been forced to pay out-of-pocket. As of XX/XX/2018, I have not been able to reach a human operator at 5/3 ( my phone log shows a 22 minute call today -- all of it in computer menus or on hold ).

It is easier to file this complaint than to directly interact and correct a simple issue with 5/3.

In my case, 5/3 has sufficiently demonstrated irresponsible management of mortgage escrow accounts and a consistent unwillingness to perform fundamental tasks associated with them. A quick search of CFPB site yields numerous similar complaints, some with far more serious consequences to the homeowner. It is not unreasonable to wonder how pervasive this behaviour is within the organization. I sincerely want to be dissuaded from escalating this, but just in case, I have begun drafting concurrent complaints for the Ohio Dept. of Commerce and the federal Office of the Comptroller of Currency.
Product: Credit card or prepaid card

The problem began back around XX/XX/XXXX when I noticed charges being put on my account that I never authorized in result to maxing out the card. Month after month went by and I was assured the problem would be fixed since my card number was compromised. After receiving new cards the charges still was being forwarded over to my new cards I was still receiving the same excuses. I was assured the issues was taken care of and I wouldn't have anymore problems after around 4 months. I'm still making payments on this account and have never used the card which every month the card amount has never went down and still is maxed out.

Since XX/XX/XXXX Synchrony bank picks and chooses what amounts posts to my account. 2 payments are missing from being posted. Since XX/XX/XXXX I have received a {$38.00} late fee each month claiming non payment, when amounts would be taken out of my account.

Since XX/XX/XXXX I have sent in dispute letters which have all been ignored. I have also included in the letters to cancel the card, I also provided the bank verification of transfer of funds which as never been corrected, etc.
Product: Checking or savings account

Last XXXX i went through a hardship and i brought my account positive and i did not used my accounts any more after. As of XX/XX/2023 i have hundreds of dollars overdrawn. I have a member with Navy federal for 12 years and did not have a problem with paying and utilizing my account in a positive way. I lost XXXX family members last year and went through alot of XXXX because of this loss and also losing employment. I have reached out to the company and was not even considered for the longevity and loyalty that i put into business with Navy Federal. This is also a loss for me. Please assist with getting my accounts reactivated. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

On XXXX XXXX while on vacation in XXXX we stayed at the XXXX XXXX XXXX, we were cornered into a travel membership in which we were told that it could be cancelled at any time by the representative, we still stated that we did need this additional expense but they insisted to try and then we could cancel if it didnt work for us in which my they did not credit card was charged {$2800.00} with a re occurring charges of {$43.00}. When we returned to the USA we reach out to the company that we would like to cancel XX/XX/2021. They did not respond to us until weeks later and there was a major language barrier, we stated that we did not need the service and they refused to cancel and the representative XXXX XXXX in order to not loose our money we would have to do a revised membership and and then we could cancel if the service provided was lacking. Under the advisement of XXXX a representative of XXXX XXXX we agreed with a temporary membership with the intent to cancel. We have been sending cancellation requests for the last 8 months and no response. We finally reached out to our credit card company Capital One to file dispute against the charges because the company refused to cancel the membership and issue a full refund. Capital One is still allowing this company to charge my credit card and with monthly reoccurring charges after repeated request to stop payments.
Product: Student loan

XX/XX/23 Insubmitted a request via Mohela site to get a refund of my payments made during the COVID pause. 

XX/XX/23 Mohela confirmed the refund request would be processed and could take 60 days for me to receive my money. 

Its been well past that, even if XXXX business days. The payment balance was adjusted to my overall balance by XXXX, so Ive been paying interest on money ( since XXXX ) on money I have yet to receive back. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 U.S.C 1681 XXXX  XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX : # XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crime 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

Messerli & Kraimer is using intimidation tactics insisting on me paying the full amount of around {$3500.00} debt when I have disputed the amount. The original creditor was XXXX XXXX  for an XXXX   account, and the dispute was in regards to a defective {$840.00} product that XXXX refused to return, while XXXX XXXX kept piling up {$450.00} finance charges each month. 

1. They sent me a letter that I'm being sued and when I called them to explain why i am disputing the amount, and offered to settle for an amount equal to the value of the defective product even though i have no use for it. I asked for a letter that the collection entry will be deleted from my credit report and the status reflecting somewhat a positive status, they sent me back to XXXX XXXX stating the don't have that authority. 

2. When i called XXXX XXXX asking for the same thing, they sent me back to Messerli & Kramer stating the account is no longer in their hands. 

3. I submitted an offer to Messerli * Kramer on XX/XX/XXXX at their mkbillpay portal for settlement of debt 4. I received a letter dated XX/XX/XXXX which arrived at my residence XX/XX/XXXX from Messerli & Kramer stating i have two weeks to respond before they start a discovery and file in court. 

5. I responded XX/XX/XXXX explaining all of the above. That i have not heard back regarding my offer to settle the debt and that i need to know who has the authority to provide me a letter stating how my credit reporting will be reflected once we settle this debt. I notified them that I have submitted a complaint with this Bureau. 

I know they will continue their intimidation tactics going for what they perceive as the full amount. I am stuck between XXXX XXXX & Messerli- Kramer . I have in good faith offered to pay for the original value of the product even though it was defective in return for a positive credit reporting. What can be done to resolve this?
Product: Money transfer, virtual currency, or money service

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

On XX/XX/year> I made my payment of {$400.00} to capital one credit card for my XXXX XXXX XXXX XXXX They had to walk me through setting up my XXXX XXXX  and trust account in order to make the payment. The XXXX XXXX XXXX  for ach payment verified the money in my account and sent the payment to capital one. Then I had to verify my identity yet again AND upon doing so I was informed that my account in XX/XX/year> had been accessed by someone who put a XXXX XXXX account on it in XX/XX/year> I informed Capital one that I was going to be out of the country and that my card account and card needed to be XXXX i also learned that XXXX XXXX people were affected by the data breach they had over XXXX XXXX not by capital one and my payments are being withhold for something I had nothing to do with and I have to worry about retaliation from capital one for reporting this to the consumer protection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX, TWO INQUIRIES. DATE : XX/XX/XXXX and also XX/XX/XXXX. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission.
Product: Credit card or prepaid card

I Opened a capital one credit card on XXXX XXXX and The agreement was that the interest rate would be 0 % APR for 15 months with a balance transfer charge of no less than {$5.00} dollars but no more than 3 % of balance transfer. I was going to submit a balance transfer of {$1000.00}. I received my card in the mail today XXXX XXXX and activated the card and proceeded to start a balance transfer with a capital one representative on the phone but she said that I did not have a balance transfer offer. I then proceeded to ask to speak to a supervisor in which the supervisor confirmed that I am available for a balance transfer as she noted in my contract but she does not know why she can not activate a balance transfer at this time in her computer system. If I do not get this balance transfer done by the XXXX of this month I will owe over {$1300.00} on another credit card which is hampering me to take care of my business. Capital one has defaulted and has not upheld their bargain of the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that are in my name that aren't mine. Below are the accounts that are reporting that don't belong to me on my credit reports XXXX, XXXX and XXXX. 

1 ) XXXX  XXXX  XXXX  {$990.00} 2 ) XXXX XXXX  XXXX  {$51.00} 3 ) XXXX XXXX XXXX {$2100.00} 4 ) XXXX XXXX  XXXX {$460.00} 5 ) XXXX XXXX XXXX {$610.00} 6 ) SCA COLLECTIONS XXXX  {$310.00} 7 ) SCA COLLECTIONS XXXX  {$440.00} 8 ) XXXX  {$8800.00} 9 ) XXXX XXXX  XXXX  {$110.00}