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

I applied for an auto loan on or about XX/XX/2022 on the XXXX, AL Mercedes-Benz website , and no one can locate it to give me a status as of today, XX/XX/2022. As personal information was inputted, I am concerned that XXXX XXXX XXXXXXXX, AL has compromised my personal information. The salesperson relayed that both managers can not locate my application even though I received confirmation that it was submitted. I am concerned -- where did my information go?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX and I have been on hold for almost 60 days now with the three credit bureaus XXXX, Transunion, and XXXX in terms of getting delinquencies off my credit that do not belong. There are numerous 15 USC violations, broken FCRA Laws, in which they are not responding to my demands because I know my rights in which this is the third complaint I am reaching out to the CFPB in which nothing is being done. If the delinquencies remain after this I will have no choice but to file a lawsuit against the three credit bureaus as this has been going on for about 6 months now and I've just had enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$550.00} XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/ XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attention a copy of the report for the following accounts and credit inquiries that do not belong to me
Product: Checking or savings account

Bank of America claims I did not have enough money in my account to cover the XXXX debit so they are reversing it, and giving me a {$35.00} overdraft on top of it. 

I have proof that at the time it was debited from my account, there was enough money to cover. 

Bank of America again using dirty tactics to pull the wool over customers eyes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been cosistent with paying my bills on time. Im saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see a couple of items that are not mine. These items need to be deleted from my credit report. XXXX  XXXX {$3300.00} XXXX   XXXX {$2100.00} XXXX XXXX {$21000.00} XXXX XXXX {$310.00} XXXX  XXXX {$28000.00}
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 Customer 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: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with XXXX  and it has been over 30 days and I am requesting inaccurate information be removed from my credit report.
Product: Credit card

I purchased a Vanilla Gift VISA card in XX/XX/year> in the amount of {$300.00}. The card was unusable. I tried to use it but it was consistently declined. The company that makes the cards, Incomm Financial Services XXXX XXXX XXXX XXXX XXXX  said that the card was defective and that they would replace it in three to five days. That soon became thirty days. Thirty days went by with no new card, no updates or no information. The company 's customer dservoce line ( XXXX ) can only tell me taht I will get an answer in " 24 to 48 hours ''.

I have now heard this three times. 

I can get no update. No explanation, and I am still out {$300.00}. 

I would like my money back and I would like this company to be forced to improve its business practices, since they obviously won't do it on their own.
Product: Checking or savings account

This company constantly discriminates again me when I try to open an account.
Product: Credit reporting or other personal consumer reports

I am disputing the bankruptcy listed on my credit report, as I have a court letter stating it should not be reported. The involvement of an unauthorized third party makes the issue even more concerning. I do not consent to any fraud alerts on my file. I did not authorize or benefit from the accounts in question and request that they be blocked and removed immediately. I am unaware of these record, likely due to the XXXX and Experian data breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
XXXX XXXX - account # XXXX
Product: Credit reporting or other personal consumer reports

I have contacted this company several times in the past month to remove fraudulent accounts on my report that have reappeared. They have removed all those accounts accept XXXX XXXXXXXX XXXX credit card. With this particular account they removed it and added it back, removed it and added it back again every time I call. I keep calling and they keep telling me they are going to remove it immediately and they never do. As of today XX/XX/year> they are stating that they cant remove it because they do not see the FTC report even in the complaint through the CFPB. This company keeps violating my rights and are using stall tactics to keep from correcting my report.
Product: Checking or savings account

On XX/XX/2024, someone accessed my Chase checking account and withdrew three unauthorized transactions from XXXX XXXX XXXX XXXX in XXXXXXXX XXXX. The transactions were for {$2600.00}, {$1100.00} and {$1100.00} totalling {$4800.00}. 

On XX/XX/XXXX, I received a call at XXXXXXXX XXXX from a person who identified themselves as Chase Bank. the phone number was ( XXXX ) XXXX. They asked if I had made a purchase in XXXX. I said I had not. They then said they would stop the transaction and issue me a new debit card. I don't remember giving them any specific information but I may have acknowledged that the address they were sending it to was correct. Please note that on my account there was a {$5.00} charge for a new card. 

On XX/XX/XXXX, I got a call from the same phone number ( XXXX ) XXXX stating that they wanted to enroll me into a fraud protection service. I stated that I already had protection and they put me on hold. When they came back on I asked them when I could expect my card. They replied XXXX XXXXXXXX would be bringing it at XXXXXXXX XXXX. Again, I do not remember giving them any vital information. Please note, if you call that number it is the answering recording states that it is Chase Bank. 

Later that evening, around XXXXXXXX XXXX  I realized that my checking account had been emptied. I immediately called the number back that had been calling me, thinking it was Chase. They put me through supposedly to their fraud department and the I was hung up on. I called back that number on Saturday morning and again it had the Chase recording and when I was put through and told I needed to wait 12 hours for a response. I decided to call the local Chase Bank and spoke to a manager, XXXX XXXX. XXXX called the fraud department for me and we realized that I had not previously been talking to Chase, but someone impersonating them. The following XXXX, XX/XX/XXXX, Chase would gave me a temporary loan to cover the unauthorized withdrawals. 

The withdrawals were made from a currency exchange in XXXX XXXX XXXX. I live in XXXXXXXX XXXX where I care for my handicapped daughter. I am unable to get out let alone drive to XXXX XXXX. I was at home at the time of these transactions. 

On XX/XX/XXXX, Chase Bank determined that this was not a case of fraud, but that I had gotten scammed. They withdrew the {$4800.00} leaving my bank account empty. I called XXXX XXXX and he called the fraud department with me. They stated that my card and pin was used for the transactions and that the fraud claim was closed and getting back the money was my problem. There is no way that I made those transactions. I still have the card in my possession. I have neighbors and phone records to back up my location. 

This is a great loss for me - two months worth of mortgage payments. I'm sickened by the experience and really frustrated with how Chase handled the situation. They stated that they will no longer help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$470.00} XXXX  XXXX {$20000.00} XXXX  XXXX {$13000.00} XXXX XXXX {$2500.00} XXXX  XXXX {$25000.00} XXXX {$68.00} XXXX  XXXX {$2000.00} DEPTEDXXXX XXXX {$8900.00} XXXX {$700.00} DEPTEDXXXX XXXX $ XXXX DEPTEDXXXX  XXXX {$3000.00} DEPTEDXXXX   XXXX {$4500.00} XXXX XXXX {$6000.00}
Product: Mortgage

Chase mortgage released my mortgage and deed information to an entity that requested it. An email address that is not mine was provided. after the fact, Chase notified me via email that Chase had released all my mortgage and deed information to this email that was not on recorded. When I called Chase to inform them I had not requested this information be sent they told me it was not their fault because the scammer had provided my identifier information except for the incorrect email address.
Product: Mortgage

The mortgage company does n't pay homeowner 's insurance. 
I received a letter from my insurance company letting me know that almost 2 weeks after the due date the homeowner 's insurance has not been paid by the mortgage company. The money is in the escrow account! I first called the mortgage company XXXX. They said they never received a bill. I then e-mailed them the letter of the insurance company in which they were letting me know that we have 1 additional month to pay the premium otherwise the homeowner 's insurance will be cancelled XXXX at midnight. I was told they will take care of it right away. I called the insurance company XXXX to check if the payment was made. It was n't! So on XXXX I called the insurance company again to check but still no payment! I called the mortgage company. First I was on hold for about 15 minutes, when XXXX came back I told him I am recording this call. He said fine and disappeared for another 20 minutes. Then I was told that the bill was still not paid but they will pay it that day. I asked how they will pay it and he told me via automated bank draft. When I asked for a confirmation he said he could n't give me one. He also mentioned that he " went above and beyond '' to help me. I thought it was their job to pay my insurance on time since they are collecting the money from me. 
Because I was n't able to get a confirmation for the payment I asked to speak to his supervisor. I was transferred and the supervisor told me that they will send a check today. So I again asked for a check number or some confirmation. He said he ca n't give me XXXX now but promised to call me as soon as he had one that day. He called around XXXX and told me that they attempted to pay over the phone but the insurance company did n't accept their payment via phone. So it 's not their fault that the bill was n't paid. 
Our insurance company gave us another 30 day extension. I hope by then the mortgage company will find a possibility to pay.
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. ACCOUNT Name : XXXX XXXX XXXX and XXXX  XXXX XXXX 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 an 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 other adverse item of information, other than records of convictions of crimes 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: Mortgage

This is a predatory lender. I own multiple properties with mortgages and this is the only one that has charged incessant late fees or that I have ever had such a difficult time submitting payments to. The website and customer service reps over the phone will tell you that there are tech errors every time you try to do ACH payments. I have been trying to set up ACH since 2019 to best avoid any late payments. Of course, not having ACH increases the likelihood that individuals will miss payments if they have to remember to do them manually, especially during the stressful time of COVID. I also reached out during COVID to request payment assistance or forbearance and no one answered the phone - I was on hold indefinitely. Also no reply via secure email. My payment went up in XXXX due to an escrow shortage and because I was on bill pay instead of ACH, the payment was {$100.00} short. I paid all but the {$100.00} difference well ahead of the due date. No one contacted me to notify me of the shortage. I was then charged a {$71.00} late fee on a {$100.00} shortage which I corrected immediately! I received no notice or contact saying I was short the {$100.00} until after the late fee was already charged. No one I talk to will waive the fee. In fact one representative said it was from a former lender ( although they are the first and only lender on this property ). Each rep gave me a different story or said they would have a manager call me back. No word yet from a manager. All the reps are incompetent and unable to find resolution. They will not let me speak to a supervisor. These are predatory fees being charged and individuals are being taken advantage of. COVID-19 hardships is not a time to charge clients {$71.00} late fees on {$100.00} shortages due to sudden escrow increases. I will continue to escalate until this fee is waived. I am not paying anymore predatory late fees to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take action due to the stress you caused me. My information was also may have got into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, Sent letters out to all XXXX credit bureaus. Its been over 30 days for them to investigate this matter. This information on my consumer reports is hurting my credibility and my lively hood. 

If I have to wait longer please inform all XXXX credit bureaus to do a proper Investigation according to the FCRA a proper " investigation '' The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

Thank you.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, 2023 XXXX XXXX XXXX, 2023 XXXX XXXX XXXX, 2023
Product: Mortgage

I believe that the business practices related to my mortgage refinance settlement process are dishonest and probably illegal. I have no issue with the refinance process but when it comes to the settlement of the refinance between the two banks, I have found there to be what I believe to be fraudulent business practices. This is similar to a complaint I previously filled in XXXX ( complaint number - XXXX-XXXX ) against XXXX XXXX XXXX which was resolved satisfactorily. 
The following are the facts : 1. I refinanced a XXXX loan that I previously had with XXXX XXXX to a loan with XXXX  XXXX XXXX 2. The attorneys for each bank met in person to exchange checks on XX/XX/XXXX. I have this in writing. 
3. XXXX XXXX correctly charged me interest through XX/XX/XXXX ( side note my compliant that interest should be split on this day between the two banks from the previous compliant is still valid and consumers should not be forced to pay daily interest on the same loan amount to two banks ) 4. XXXX XXXX XXXX funded the loan on XX/XX/XXXX and started charging me interest on that date. 
5. I confirmed with the XXXX  XXXX XXXX attorneys ( Puleo Delisle , PLLC ) that the loan funded on XX/XX/XXXX and they only provided the funds to XXXX XXXX  on XX/XX/XXXX. 
My issues are : 1. I do not believe I should be charged interest from the date the bank chooses to fund the loan and I should only be charged interest from the date that cash is used to pay-off my loan existing loan. It is as if on an initial purchase, the bank only charges me interest once I receive the cash which is when they receive the collateral. In this case I paid interest for one additional day before the banks exchanged collateral. This resulted in my paying interest to two banks for two days. When I spoke to the law firm Puleo Delisle, they  noted that XXXX XXXX XXXX has done nothing wrong, but the issue is an operational issue on their side which requires certified checks. I believe charging me for an operational issue on someone else side is fraud. I am not concerned about the {$82.00} ( XXXX x 2.75 % rate divided by 365 days ) but the principle and if Puleo Delisle is serving  as the attorney for many XXXX XXXX XXXX refinances, they are ( in my view ) costing consumers significant amounts of money in  aggregate ). In summary, I believe I have been defrauded of {$82.00} and I believe many others have had the same issue but might not have realized this. My assumption is that this practice is wide spread and the CFPB should investigate if this is specific to my case ( twice I must remind you ) or general business practice that I believe should be stopped. 
2. As I noted above, I believe the CFPB should create a process whereby interest paid during a refinance process has specific rules to protect the consumers. I would be happy to discuss my thoughts here on this since I have refinanced many times over the past 6 years. 
I look forward to the CFPB intervening here on the {$82.00} from Puelo Delisle who I was forced to pay during the refinance but then cost me money due to operational issues.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the XXXX XXXX ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX. Please delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is fraudulent. I was told multiple times by collection managers that this account would be deleted after me sending in the police report and FTC identity theft report. My name was used in a fraudulent identity theft crime. This account needs to be permanently deleted and I need to be deleted off of this database, I have been lied to multiple times and told this would be deleted and never reported again. The company deleted this account multiple times and keeps adding back to my credit. This is defamation and negligence