23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I purchased a vehicle from libel financial back in XX/XX/XXXX-XX/XX/XXXX. we since XXXX the vehicle back since I lost my job and ended relocating to a different state. Since then Libel Financial has reported multiple different amounts ranging from XXXX to XXXX. Now most recently they doubled the amount to nearly XXXX dollars. More then the original price of the loan. I believe these are frodulent charges in order to try an inact legalncharges More than 3 years after reposession and are falsely reporting amounts.
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 rights to privacy and confidentiality under 15 usc 1681 list of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX 15u.s.c. 1681 section 602 a states i have the right to privacy 15 u.s.c. 1681 section 204a section 2 also state a consumer reporting agency can not furnish an account with my written instructions 15 u.s.c. 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c. 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information related to a consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I have provided the required documentation, including a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX as defined by the XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ).

I respectfully request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. As a victim of XXXX XXXX  through debt bondage, I request the removal of all related items and the deletion of associated company information from TransUnion. 

Please remove the following inquiries : 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: 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 ( CPFA ). 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.
Product: Checking or savings account

My checking account was closed sometime in XX/XX/XXXX. XXXX closed my account because my wife 's XXXX  relief funds from XXXX unemployment were deposited to my account. My wife 's name wasn't on the account therefore, me and my wife visited the Chase local branch in order to resolve the issue. They took copies of my wife 's passport, greencard, and social security card. Because it happened during the pandemic period, Chase was trying to verify the funds with the state of XXXX. Then a year later, Chase sent the fund amount of {$18000.00} to the state of XXXX on XX/XX/XXXX. I requested the claim or transaction number for that fund being trasfered to the state of XXXX Chase didn't provide me any information about our funds at all. Me and my wife were looking for our money for past XXXX years. Only thing I was able to get was the statement of my checking account from XX/XX/XXXX through XX/XX/XXXX right before the account was forecefully closed. I am so terrified about this incident. Because they took our money during the pandemic period, me and my wife gone through very tough times without the funds provided by the government.
Product: Debt collection

I had a debt with Amazon/Synchrony Bank. The amount owed is indispute based upon amazon 's rejection of prior returns, without any notification of what the returns concerned. 
I also was charged an amount in excess of the quoted Amazon amount. I would like a current balance so I can timely make payments as I always have and that the 3 Credit Reporting Agencies be advised payment is current or disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 3 years. A account is reported back on my credit reports. The original creditor is reporting and the agency they apparently sold this debt to. First, its against the law for the original creditor and a collection agency to report the same thing. That is fraud! Second, this was removed from my credit report XX/XX/2016. Due to incorrect information, harrassment, threats and etc from XXXX. Then its a different name of 12 XXXX and the collection agency XXXX XXXX. Both the same with a couple dollars off. All illegal and fraudulent.This needs to be removed and never sold or return on my credit report ever?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX   XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, U S DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Me and my wife both applied for chime roughly about three years ago why she kept her account active I decided to not activate or use my account XX/XX/XXXX my wife went to family dollar general to deposit XXXX on what she thought was her card to pay the light bill but it was my card she end up taking out the home it wasn't to she got home to pay the bill online she realized the card was mine and not hers so we called chime they explained I had to go through the email link to my chime account explain the situation send pic of front and back card and the recipt they also explain to me the account was suspended and card lock so they needed the receipt to make sure the deposit was issue on the card and someone will reach me in two hours it's been five days and I called several times to be told it went from one department to another and I will be getting a email shorty today the XXXX the they told me they must first investigate why wld a deposit go through on a lock card from they end before they proceed in taken any action of resending my money I stress to them because of the incident our lights was turn off for not paying we need have a special needs child it's very important we get the deposit back and I ask several times if a card is lock how can it work one way how can it accept but can't take off and why do I have to wait for them to solve the error before they handle the situation at hand of getting me my funds back rather it's a check sent or any other alternative because I'm still not interested in keeping it wanting to be a chime member especially after how they handling this current situation I was email on the XXXX the I will be getting a email from them in two hours that never happened I've just been getting the run around I email and I keep getting the same response for five days now than they telling me they didn't receive my ticket until XX/XX/XXXX which is not true this has been going on since Friday XX/XX/XXXX early mid day
Product: Vehicle loan or lease

On XX/XX/2022 chase auto finance opened an account. Upon looking into the installment of the loan. Ive found violations in my contract. 

These companies are in violation 15 USC 1681 602 A, I, 15 USC 1666 B 1 gap insurance 2 interest on the loan 3 the down payment on the loans 4 extra fees
Product: Credit card

I made a purchase in the middle of XXXX for XXXX mattresses from XXXX XXXX : XXXX for me and XXXX for my girlfriend. We live at separate addresses. Prior to the delivery, my girlfriend asked our sales associate to cancel the order. We have text proof of this. Thus, in the end, I only received XXXX mattress ( mine ). This was expected. However, a few months later, I realized the money for my girlfriend 's mattress was never refunded. I contacted the mattress company, to no avail. I then filed a dispute with Chase bank. After a few months of deliberation and back and forth calls, they somehow were unable to find proof that I never got the mattress and closed the dispute. I can look on my online portal for XXXX XXXX right now and see I haven't gotten the mattress yet, but they claim they can't confirm it. Thus, I am out XXXX dollars. This is an extremely disappointing experience working with both XXXX XXXX and Chase bank
Product: Credit card

I started a dispute with Discover Card about a charge of {$1100.00}. I later decided to put a hold on the dispute because the Merchant promised to provide the services.

The Merchant never provided the services, so I called Discover back to resume the dispute. 

Discover agents told me the will not resume the dispute, because their policy would not allow them to do so. I asked why I wasn't informed about that, and if they can provide me with the Credit card Account agreement where I can get these details. I has been over ten days and I never received any documents. I called back they told me again they can not resume the dispute.

I've provided them with documentation where the Merchant has stated that they did not provide me with services and even documentation stating that the Merchant will refund me the funds, to the same discover card and they did not refund the funds.

I don't understand, If a service is not provided, and I haver overwhelming documentation to prove my point, how can discover not protect me? 

I've not been provided with Account Agreement for Discover Cards, I believe I have the right to receive such documentation in a timely manner for me to review if the was disclosed to me ever. I have not been provided with one after several requests.

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found 2 hard inquires on my report and one main financial refuses to take them off! I called and spoke to XXXX from One Main Financial and he couldnt find any full applications. Another person told me different information! I think they cant get their stories straight!! NO WHERE did it say it would be a hard inquiry and I will upload a picture that shows that! 
I also contacted XXXX today on XX/XX/XXXX. They kept hanging up on me and transferring me to different departments, and no one would help me!
Product: Mortgage

In XX/XX/XXXX purchased a house in XXXX XXXX with using my VA home loan, came down on orders to change duty stations in XX/XX/XXXX to XXXX XXXX XXXX. In XX/XX/XXXX my mortgage was with XXXX XXXX XXXX, I called to do a loan modification, the person I was speaking with told me " dont make another mortgage payment till you got all the paperwork that i am sending you '', so I stopped making payments. I waited ten days never received any paper work, so I called back told the person I was speaking with what was going on, that person also told me to dont make payment till I received paper work, I never received any paper work. Ever since than I was giving the round around, by than I was so far behind on payments that I could not catch up to bring my loan current. After a few years go by mortgage was sold to many different mortgage companies, then ended up in collections, now I owe {$400000.00} to bring my loan current at the end my VA loan turned to a conventional loan.
Product: Mortgage

I have been trying to get assistance with my mortgage s ince  XX/XX/XXXX . I asked for a lo an modification. Received the modification, but the payment was higher than my original payment. If I was having issues paying my regular payment how can I pay the new payment.     So I asked about the temporary forbearance program, which allow 11 months to catch up. I was told I qualify for that sent me the information to sign and send back with a payment of {$600.00}. I followed all instructions.   I get a call and agent tells me the temporary forbearance was removed and I was put on a loan modification. I did not sign anything regarding a modification. I did not want my payment to increase {$130.00}. I was prepared to pay the extra to get caught up. Basically everytime I call I get some different information. So now I was told I will need to send another statement stating I do not want a loan modification, and put down another down payment for the temporary forbearance program. I just trying to get caught up on my pymts and it seem  like no one can help.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 

XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX XXXX for a long-form fee -theft! 
XX/XX/XXXX XXXX was charged for a late charge. 
XX/XX/XXXX XXXX was taken for a bad check? just getting started with you, XXXX. 
XX/XX/XXXX XXXX was stolen for fake insurance once again XX/XX/XXXX XXXX late charge. wow that's impressive XX/XX/XXXX XXXX taken for escrow again-how much can you take in one month and not get caught XXXX? 

XXXX XXXX for escrow again-hmmmm something is fishy. 
XX/XX/XXXX XXXX late charges-hmmm just unreal XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX fee for bad check? we don't write checks XX/XX/XXXX XXXX county tax disbursement-what county? doesn't say. 
XX/XX/XXXX XXXX to school taxes when you know that is a lie XX/XX/XXXX XXXX for fake hazard insurance-we paid for insurance XXXX XX/XX/XXXX XXXX for fake hazard insurance again XX/XX/XXXX XXXX late fee XX/XX/XXXX XXXX for school taxes again that we were overcharged once again. 
XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX for lock changes? what? unreal XX/XX/XXXX XXXX late charges XX/XX/XXXX XXXX principal adjustment- its stealing from us XXXX XX/XX/XXXX XXXX principal adjustment again-stealing XX/XX/XXXX XXXX forbearance fee-what? 

Remove all of this and release the lien. I am just getting warmed up. 

Quit wasting my time with your poor defense. If you're going to be an attorney then you need a defense. How can you defend this? 
You have a commitment to being an attorney if you would like me to print it out and send to you.
Product: Checking or savings account

I have my saving account with synchrony and then my husband had deposited his paycheck in there but I didnt add him yet they called me and I explained it and apply for a joint account but now they restricted my account for the last 30 days and Im trying to pay my house its really been hard for me
Product: Debt collection

I received a debt collection letter from ERC a few days ago. ERC would not divulge the particulars of the debt other than to say the debt was with XXXX XXXX XXXX XXXX and originated in Detroit Michigan in 2020. I have no account with XXXX XXXX XXXX XXXX and have never lived in Detroit. I believe the debt was the result of identity theft.
Product: Credit reporting

Due to a security breach, an account by XXXX XXXX was attempted to be opened on XXXX/XXXX/2016 with my information. It was denied, but the hard inquiry still exists on my credit report. Both XXXX and Transunion will not remove the fraudulent inquiry from my report, saying only XXXX XXXX can request it to be removed, but it will still take 2 years to remove from my account. I will soon be in the process of buying a home and do not want this fraudulent inquiry to affect that.
Product: Credit card or prepaid card

I applied for a credit card account with Capital One but I was denied stating they could not verify my identity. Capital One never tried to contact me at all. I never received am email or letter in the mail, let alone phone call. XXXX, XXXX  and XXXX have all updated my telephone number associated with my fraud alert. 

XXXX stated : " We reviewed your complaint along with the information regarding this issue. Based on the complaint we contacted you directly, per our conversation, we have updated the phone number, XXXX, on your initial fraud alert. In order to protect your privacy, we have mailed a copy of your XXXX credit report to the current address we have on file for you. You can expect to receive it in approximately 5 to 7 business days. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX   XXXX XXXX ET. Please visit XXXX XXXX XXXX for frequently asked questions about your credit report.
Product: Checking or savings account

I am flagged with most financial institutions who deem my information a risk whenever I open bank accounts or try to cash checks. I would like to have intangible reasoning behind their discretion in blocking me within  n  the system completely or with limitations. I 've contacted them to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnishers one by one and guess what? They have agreed to not report the account so why dont you delete them now? I have forwarded my FTC report and now Im attaching the required FTC Report AGAIN for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... 

XXXX XXXX XXXX
Product: Debt collection

On Saturday, XX/XX/XXXX at approximately XXXX I received a telephone call from a debt collector who identified themselves as Cedar Business Services , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX, alleging that I owed {$420.00} from XX/XX/XXXX for a XXXX  purchase. 

I telephoned XXXX, with the agent from Cedar Business Services ( hereafter referred to as Cedar ) conferenced on the line. The XXXX agent went over the order number in question ( Order # XXXX ) and explained to the agent that the item ordered had been cancelled. At which point the agent informed me that she would pass the information over to her 'account team ' for 'verification. ' I then received a letter from the agent, XXXX, at Cedar telling me that because it was coded as a 'bad debt writeoff ' ( it is obvious that my cancelled order was incorrectly coded by XXXX XXXX, the loan provider ) I therefore owed the amount in question. Despite the order having been canceled and no item received. 

It is seems rather obvious that XXXX XXXX must have incorrectly coded the return and the sold off my account, along with other 'bad debt ' to this collection agency. Now they are attempting to collect a non-existent debt even after having been told that the item/order in question was cancelled. 

Pursuant to FDCPA 807, 2 ( a ) they are in violation by attempting to collect a debt which they have been informed, from the originator, was not correct. 

Your help would be greatly appreciated.
Product: Mortgage

On XX/XX/2021 my annual mortgage escrow review was completed and mailed. I received the escrow review in the mail on Monday, XX/XX/XXXX. 

Upon review, the escrow review showed that I owed in excess of {$23000.00} for flood insurance. This review included flood insurance on my condo which is covered by my buildings HOA. It is not an escrowing account. Upon seeing this error I contacted my mortgage servicer, NewRez. 

On XX/XX/XXXX, on the phone with NewRez, I was brought into a conference call with two agents, one from the insurance department and one from the billing department. Both stated that it was a clear error on the escrow review and that the review would be corrected. They instructed me to call back to check on the status later in the week and that the review would be corrected, at the latest, by Monday, XX/XX/XXXX. 

As instructed, I contacted NewRez on Thursday, XX/XX/XXXX. An agent told me that she saw that it was on a workers docket and was on track to be completed by Monday, XX/XX/XXXX. 

On Monday, XX/XX/XXXX I called NewRez after my online account was not updated. I spoke with one agent who hung up on me. I then called back and spoke with another agent who informed me that all of the previous agents were misinformed and it would take up to a month to get a escrow review corrected. I stated that a payment was due on XX/XX/XXXX and she stated that hopefully it would be done by then. She then stated that there was nothing that she could do and when I asked to speak with a supervisor she said none were available. She then told me to file a dispute and formal complaint with NewRez and walked me through the steps in doing so. She said if I did this, a supervisor would be in touch the next day. 

On Tuesday, XX/XX/XXXX I have yet to hear from NewRez and no changes have been made to my account. It is both disheartening and disenfranchising that a simple correction has taken so long and I can not get in touch with any supervisor from NewRez.