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

First, thanks to the consumer financial protection department for giving me their help in solving this problem. It all starts on XXXX/XXXX/XXXX when I open a page called XXXX. Since I opened your page, the XXXX XXXX XXXX started charging {$12.00} and {$1.00} as of XXXX/XXXX/XXXX from my XXXX XXXX credit card. These two fees were charged twice to my credit card without my consent, for that reason I made the decision to call the bank to report those charges as fraud, then the bank made the decision to block the credit card and the merchant sending free so that I would not continue charging. After the bank conducted the commercial fraud investigation, they returned their money to the bank for a total of {$29.00} of the 4 transactions the company had charged to the bank. A few days after the bank had fixed everything with the credit card where they committed the fraud, the charges were removed from the new card that the bank had sent me. After about a week that the bank had already cashed the company 's money, the bank started charging me {$14.00} a fee that the merchant had already paid and they want to charge me, then I call the bank and I speak with several representatives and also with Supervisor to see if someone could help me solve the problem, but none of them solved the problem. The day I spoke with the bank supervisor, I explained the situation and asked why they charged me that rate if the company had already paid their money and I told them that I did not have to pay that money because it is a fraudulent money that they reported and they recovered it because When they return a money in the credit card that says that the money is not mine and that means it goes directly to them, she said that I do not have to pay anything, so I asked her if I do not have to pay anything why that transaction is in my credit account as if I had to pay and after asking that question, she kept quiet because she knew that I was telling the truth and I also told her that if she did not have to pay that money, why? Do not delete that transaction from my account? Then she gave me several excuses to contradict me and confuse me to pay. For that reason, I ask for help for the financial protection of the consumer, because what the bank is doing to me I see it as a fraud because it is charging me money that I should not pay. If you need any proof to help with the case, let me know and I will gladly send it to you and thank you very much for your cooperation.
Product: Mortgage

I pay the insurance and taxes on my house. There is no escrow. My insurance company decided to pull out of the area in XX/XX/XXXX. I had to find new insurance and given the tight market I was only able to obtain insurance through XXXX. They however required a new roof as well as other updates and I was not able to get coverage while these updates were being done. I contacted the insurance department of my servicer select portfolio servicing and requested a forced place policy be imposed. I was told no such policy could be issued as there was an extensive process which would take time. I was able to get a liability policy and once the updates were completed I bound the XXXX  policy. I was however subjected to a 30 day wait period.. as of XX/XX/XXXX when I purchased the policy with XXXX  select portfolio did not impose a forced place insurance policy. However once they received the new policy I sent ti them, they charged me for a forced place policy all the way back to XXXX of XXXX even though there was no policy in place at that time they back dated the effective date of the policy, the charge for which showed up on my XX/XX/XXXX mortgage statement and not on any of the prior months mortgage statements. I don't think this should be allowed. I paid them in full but would like to get my mon XXXX y back. Please help
Product: Debt collection

I needed to borrow {$400.00} to pay my car registration in this state. I was led to believe that the loan would cost me {$130.00} but after signing and funding, I was sent a document stating that I had to pay {$130.00} a month for 10 months. That's over {$1000.00} on a {$400.00} loan. These people are worse than loan sharks and I will not be extorted by these crooks. Unfortunately I took a {$450.00} loan from a legitimate company and the total payback is {$550.00}. Where do these shylocks get off taking such advantage of desperate people in desperate situations. The only money I have is my social security and more expenses come out of that then money I have to cover just day to day living expenses. I already paid them {$130.00} and now I stopped payment for that company with my bank. I will give them {$50.00} a month for 7 months to pay off the balance of {$300.00} and some interest, but that it all I'm willing or able to pay. If that's not good enough, they can sue me and I'll sue them for fraud. Please help me. These people should not be allowed to even be in business, they are crooks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with American first finance back in XX/XX/XXXX I was told on XX/XX/XXXX of XXXX that my last payment has been posted and that they would be reporting to the credit bureau that the account has been paid off it is now XX/XX/XXXX and it still showing as delinquent on my account I have contacted them several times and made multiple attempts to have them send me the original contract showing at the balance was paid off they have not met any of my demands and I am furious trying to deal with them
Product: Credit card or prepaid card

Tried to activate Capita One Credit Card year ago. Got XXXX  lady on the phone who asked me why I have accent and my legal status in this country. She probably did not get job in Board Protection Agency that's why she use her unwanted skills with me. I told her that it is not acceptable questions and requested to close account. Called Capital one 12 times every month because they were sending me a statements. Every time customer service told me that he is closing account but when I call them after receiving another statement again and card was active. I tired to call them and close account. I need confirmation of account closure from XXXX  Capital One.
Product: Vehicle loan or lease

XXXX XXXX has been overcharging Im imterest and allocating fees without my consent when directed to go toward pricinpal reduction not fees. During the months of XX/XX/2017 the applied 8 payments of $ XXXXtowards outstanding fees when directed toward principal reduction and another month did {$130.00} towards fees that should have been a principal reduction this has created more interest to be paid on the loan. When I called to discuss the matter with them the representative was extremely rude and stated your XXXX XXXX wont get you anything or further with me. This was not accepts Le behavior. Santander ( parent company of XXXX XXXX  ) is one of the largest subprime auto lenders who could be charging this to many clients creating {$1000.00} of unlawfully charged interest. My interest rate is low however other clients, XXXX have higher and not be as informed.
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I have discovered several inaccuracies, such as false account listings, inconsistent billing, and accounts that do not belong to me. These discrepancies are having a significant impact on my financial security, and I urgently seek your assistance in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/2022 with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/2022 with the same attachments. But despite all the attachments, letters, and CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit card

I received a targeted credit card offer in the mail from US Bank. The offer was to apply for and receive the US Bank XXXX XXXX card and spend {$4500.00} in the first 90 days and earn {$500.00} cash back sign up bonus. The card also earns a minimum 1 % cash back on all purchases. I was approved for the card and received it the first week of XXXX. I completed the {$4500.00} spend requirement the first week of XXXX. In XXXX I called customer service and they stated I had completed the requirements and would receive the {$500.00} shortly. In XXXX I still had not received the {$500.00}, so I called customer service again. The agent did not know why I did n't receive the {$500.00} bonus and submitted a request for me to receive the bonus. In mid XXXX I received a letter from US Bank stating that the account did n't qualify for the bonus rewards as the charges needed to be done only by the authorized officer and not by any employees. This requirement is not stated in the targeted offer I had received from them. The offer states {$500.00} cash back will be paid after {$4500.00} in net purchases are made on your account. XXXX my card and my husbands employee card are part of the master account and ALL charges post to the master account. The offer did n't specify that I had to make all charges on my specific card as both cards charges hit the master account. I did receive 1 % cash back on all charges from both cards, so it does n't even make sense they would invoke this requirement for the {$500.00} bonus without specifying it in the offer. It is my belief that US Bank is trying to cheat me out of the {$500.00} bonus after luring me to apply for the card. There is a vague statement in the offer that says spend on multiple cards ca n't be combined to meet the spend requirement and each US Bank card meeting the requirement will earn the bonus. To me this meant that if a person has multiple master accounts that you can not combine them. Please contact US Bank and have them pay me the {$500.00} sign up bonus.
Product: Credit card or prepaid card

To wisely Hello my name is XXXX XXXX I contacted you guys 4 times and nobody picked up the phone I was calling because Im missing over {$70.00} from you guys from a refund and the money was gone and the transaction I would like to talk to a manager to get my money back and its random transaction that I didnt go such as XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm writing this complaint to TRANSUNION. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
Product: Payday loan, title loan, or personal loan

In XX/XX/2018 I was contacted by netcredit advising that I was pre approved for an installment loan. As I am a single mother of XXXX and have been batteling XXXX  I was behind on HOA fees and other bills and decided to take out the loan. They advised it was an intallment loan with monthly payment of XXXX. This is what I agreed to, I checked an account that I used and realized that they were taking out the XXXX every 2 weeks, once I realized this I sent them a complaint in writing advising to stop the ach and that I was under the impression that this was an installment loan and not a payday loan. I told them I could not afford the XXXX coming out every 2 weeks as this is not what I anticiapted. This has brought my checking account seriously negative and my bank is giving me a hard time as well. They emailed me a reponse saying it is an installment loan however the payment is every two weeks. I feel this is very deceptive, and installment loan is supposed to be a monthly payment a payday loan is a bi weekly payment. I really need help with this. I can makde montlhy payments I can not make bi weekly payments of XXXX that is too much and it is really creating a hardship for my family. Please assist me as again I feel this company is being very deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed address information with XXXX. I have also received three different credit reports from XXXX showing they have deleted the former addresses. They still currently appear on my XXXX  credit report. They are refusing to remove the old addresses even though dispute is completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a letter to Onemain financial to validate a charge off on my credit report. Tracking showed they have received my letter on XX/XX/2019 but have not responded to my request and 30 days have passed without marking my account as disputed. This shows how they are acting in bad faith. 

Therefore they have violated FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). 

Also by not providing copy of any viable evidence bearing my signature they are in violation of defamation and negligent enablement of identity fraud.
Product: Debt collection

please this company is call me to many time i want remove for my credit report please
Product: Debt collection

On XX/XX/2020, I received care at XXXX XXXX for a second XXXX XXXX. Prior to my appointment, I met with the billing department and paid the patient responsibility for the procedure of {$160.00}. The billing representative informed me that this was the total cost for the services that would be provided during the mammogram. On XX/XX/2020, I received a bill from XXXX XXXX XXXX for {$52.00}. I called XXXX XXXX in regards to the bill and they told me to call XXXX XXXX as they were not aware of any additional charges. XXXX XXXX XXXX informed me that the charges were for the radiologist. After I explained to them that I was told that my total out of pocket expense was {$160.00} which was paid the day of the procedure, the billing rep told me to get a copy of my EOB for the charges. In XX/XX/2020, we had to move due to my husband losing his job. I never received the EOB or any additional correspondence from XXXX XXXX XXXX. On XX/XX/2020, I was notified by XXXX credit journey that a major derogatory has been posted to my credit report by CMRE a collection company for XXXX XXXX XXXX. I informed XXXX XXXX XXXX that I never received any correspondence ( not a letter, a phone call ) from CMRE. The representative opened up a resolution case and informed me to call back in 15 days. We were scheduled to close on our home on XX/XX/XXXX however, due to the significant change in my credit score from XXXX to XXXX, we no longer qualified for the original terms and conditions. I write this as a plea to remove this major derogatory action on my credit report. I have never paid a bill late or had anything sent to collections. I have tried to call CMRE 5 times and the number just rings, no one has answered. I am at your mercy and beg you to please help me with this situation. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. However, 3 months had passed and the Credit Bureaus have failed to send me copies of documents they are required to send me and claimed that the accounts are verified. This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} DEPT OF EDXXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened Sep. XXXX, XXXX Balance {$600.00} DEPT OF ED/NELNET XXXX Opened XXXX XXXX, XXXX Balance {$2100.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$1900.00} DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$3600.00} DEPT OF ED/XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3800.00} XXXXXXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$8.00} XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$44000.00}
Product: Credit card

An account was opened with Citibank for a in store credit card at Bestbuy. Citibank has not cooperated with FCRA and has not provided accurate payment history, balances or statements. Additionally, they are not accurately reporting payment history and balances to credit bureaus.This account is signed up for paperless billing and emailed alerts. Their online disclosure states that signing up for these features will provide alerts for upcoming payment due dates. However, that has not been the case. They are not following their billing and statement policies provided to consumers. Citibank is not complying with their paperless billing. No online statement is available to verify payment history, balances or purchases. They do n't provide alerts until payment is past due. However, when setting up paperless billing Citibank informs consumers that signing up for paperless billing Citibank will provide notification to consumers regarding upcoming payment due date, access to statements and payment history. 

Additionally, when opening this account for a same day purchase Citibank allowed overages on this account without consumer consent. When applying for the card at Bestbuy the credit balance approved {$1100.00}. This approved credit was provided via receipt and by a Citibank representative on the day of credit approval and purchases. After checking the credit report Citibank reported a high balance, over the limit, of {$1000.00}. A call was immediately made to Citibank to dispute the claim and the inaccuracy. However, Citibank representative and supervisor refused to allow or file a consumer complaint/dispute to dispute their claims. Citibank claimed : When the card was charged {$1100.00}, the purchase was over spending limit by {$100.00}, further alleging the credit balance was only {$1000.00}. For clarification purposes of this complaint the total amount of purchases was {$1200.00}. When the items to be purchased were swiped, Citibank approved the purchases up to {$1100.00}. The remaining balance beyond {$1100.00} was paid for in cash. Citibank claims they decided to " extended credit '', however this was done without consumer knowledge or disclosure. Moreover, there was not consumer request for extended credit or balance increase. Furthermore, Citibank provides no such policy or consumer disclosure for Citibank to operate in that capacity to decide to '' extend credit '' to consumers without consent and notification. 

Proceeding forward since opening the account, payments have been made on time. Again, Citibank has not provided accurate statements, recorded payment history to consumer, nor have they allowed consumer access to those records in-compliance with FCRA. This has damaged consumer creditability on the credit report, damaged the credit score, resulted in denial of credit elsewhere due to their inaccurate history of payments and balances. These inaccuracies have been reported to Citibank ; however, they refuse to comply with the request pursuant to FCRA.
Product: Mortgage

Have been applying for a modification at carrington mortgage since XX/XX/2015. They have closed XXXX files stating non compliance even though I call them 2-3 times a week to. Check status and request call if there is a problem with doc. They have promised not to close account as they know I am working on it and then close the next day
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been harassed with multiple inquires from the following companies listed below, I am speechless as to how they have gotten my information. I contacted all three credit bureau 's letting them know about this situation to avail I am writing a complaint to you to resolve this matter. 

My credit is suffering because of this false inquiry reports. Please help me clear up these unauthorized inquiries from these companies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX DATE : XXXX XXXX ACCOUNT NUMBER : XXXX THE ACCOUNT STATUS AND PAYMENT HISTORY IS INCORRECT. PURSUANT TO THE FCRA I HAVE A RIGHT TO DISPUTE. PLEASE TO CONDUCT A REINVESTIGATION.
Product: Debt collection

I was recently I victim of identity theft in which it has drastically effected my life and living matters. I have been looking over my report and file through reporting service and there have been multiple identity theft fraudulent statements and debts reported. I have reported these issues and tried to figure out multiple ways to remove these false claims in order to move on and continue with my life. As Ive said this has been a nightmare as a victim of identity theft. This account is fraud and does not belong to me.
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 ( 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 my complaint.