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

In XX/XX/XXXX, I opened a credit card with Best Buy to purchase a TV. The promotion was 24 months interest free. I worked with the guy at the desk to determine the payment amount to pay off within that period ( which was clearly incorrect ). I was also encouraged to set up paperless billing. Thus, each month, my payment. Recently, I looked at the account, and the amount had nearly doubled. After looking at the statements online, I figured out that this occurred in XX/XX/XXXX. I was charged {$900.00} in a balloon interest charge on an account where the starting balance was less than {$2000.00}. I was provided ZERO notice that this fee would be implemented. After reviewing the statements, I did see that there was some smaller print under the payment instructions stating that the promotional balance was expiring, but there was no other notice, and the paperless billing made it so I did not see that statement. I immediately contacted Citi to request to pay off the amount, as well as a reasonable fee, but they were unwilling to work with me at all. They stated that they may have been able to help me if I had called within 60 days ( 2 months ). When I called, it had been less than 4 months. Not to mention that the interest rate was apparently 25 %, something that they definitely do not highlight when you are signing up for the card. 
This practice seems predatory, especially at a time when people 's lives are still disorganized from the pandemic. I was not asking for complete forgiveness, but simply some recognition that this was a mistake and a reduction as a result. While I am able to pay this amount off, many others are likely just stuck in this continuous debt with them. This will be a significant financial burden to me, as I chose a career in XXXX XXXX. I'm just frustrated with the predatory pushing of these deals, the clandestine imposition of the balloon interest amount, and the unwillingness to accommodate when confronted with it.
Product: Debt collection

Champion Mortgage says my property insurance is in good standing @ XXXX dollars, yet I received a letter from Champion Mortgage that says they are going to foreclose because of my property insurance. Also, Champion Mortgage tells me to continue making monthly payments to eliminate the default balance. Champion Mortgage is accepting my monthly payments at the same time they are foreclosing on the default balance. This sounds like unfair double jeopardy and the foreclosure should be removed immediately. Yes, immediately, my request.
Product: Credit card or prepaid card

Goldman Sachs is letting XX/XX/XXXX break their agreement with the users.
Product: Checking or savings account

I received a call from Chase bank, where I hold several accounts. They asked me to verify a large XXXX payment that was trying to be made through my checking account. I absolutely did not authorize any XXXX  payments and so the customer service agent put a stop to the funds being transferred. I asked her how this could happen ... she did not know but told me to cancel my current account and open a new one with new passwords and new debit card... I immediately went to the branch to do as instructed. When the person at the bank pulled up my accounts to make the changes he informed me that there was a XXXX  payment made the day before which did go through my account. Upon examining the date and name, I confirmed that I DID NOT authorize or submit any XXXX payments to anyone. I do not ever use XXXX. He called the fraud department, explained my situation... I spoke to the agent and verified that I NEVER authorized any XXXX tranfers from my account. The transaction was for {$4700.00}, an enormous amount for me. I was horrified and expected the bank to credit me back that money. They told me it would take 7-10 business days for a credit to be issued. I was not happy with that since it is alot of money to be without, but I had n choice but to wait. Three days later I received a letter stating that I would not be receiving my money back. I was very upset and called immediately. The agent told me when they investigated they found the transfer was made from my IP address and so, they would not be crediting me since it shows on their end that I did the transfer. I believe that is very unfair to a valued long standing customer. I have banked with Chase since 1983 and I have a substantial amount of accounts/money with this bank. I use them because I expect Chase to guard my money... isn't that what we use a bank for. I do not know how my account was hacked or compromised or whatever happens in this cyber world we live in, but it is completing unfair for me to lose my hard earned money. It is not a small, insignificant amount to me. Doesn't Chase have insurance for these purposes and furthermore, I believe they should try to recover the loss from the " person '' who the money was sent to. Shouldn't they find out the account it went into and get it back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this issues many times before but yet no action has been taken. The credit agencies are still reporting the following on my credit report as verified. However, when one has been victimized it seems as if the victimazation never stops because instead of the credit agencies correcting the wrong doing they continue to let it go. I'm respectfully requesting that the reporting agencies send me physical documentation as promised in the FCRA literature, or block/ delete and/or remove the following accounts from my credit report.. ( 1 ) XXXX - XX/XX/XXXX , ( 2 ) XXXX XXXX XXXX - XX/XX/XXXX, ( 3 )  Americllct - XX/XX/XXXX , ( 4 ) XXXX XXXX XXXX- XX/XX/XXXX , and the following two accounts ( 1. )  XXXX, and XXXX XXXX
Product: Student loan

XXXX is reporting that on the months XXXX, XXXX, & XXXX I have 3 missed payments which is untrue I have never missed a student loan payment and this is hurting my credit score tremendously. Please remove these late payments because they are inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third attempt to removed the inaccurate items. My name is XXXX XXXX and this complaint is done by me. I used the information in FCRA to help me. Experian said that they didn't think it was me filing that complaint. While they used stall tactics, my credit continue to report incorrectly with false information. I have attached all the necessary documents to get these accounts removed.
Product: Mortgage

I called XXXX XXXX on XXXX and spoke to a loan originator, XXXX. He explained that my LTV was 77.54 % and my valuation was {$390000.00} ; making me eligible for dropping PMI. We discussed the options : PMI drop or refi- both of which would eliminate the PMI. However, it will take 10-12 months to recover the costs of the refi so I decided to simply request elimination of PMI. 
I called Pennie Mac on XXXX after sending secure messages on XXXX requesting PMI elimination. Several times I was given holds over 15-20 min and never transferred. Finally, I spoke with XXXX PMI specialist and her manager on XXXX. There are several phone # 's and not even the loan originator was truly sure which to call. The PMI specialist told me Pennie Mac calculates LTV as original value divided by LTV, and they only use an appraised value if I pay for the appraisal and only Pennie Mac can choose the appraiser even though I pay.

I explained that the loan originator was willing to refi me at 77.54 LTV which would eliminate PMI, and the manager asked for his name so she could research options/validity of my information. Once the manager researched my file ( previously discussed with me through the loan officer ) she suddenly had several options to talk about : including a {$150.00} appraisal or Numbers provided for Pennie Mac on refi letters, websites, and given by employees : XXXX, XXXX. During these difficult times with Americans struggling- large mortgage houses should NOT be allowed to make processes difficult. Try using Pennie Mac 's website ... .to eliminate PMI. It is near impossible and buried at least 10 clicks deep. Hardworking Americans should not bear a burdensome task that is not protecting the financial underpinning of our country. 
I did NOT choose Pennie Mac and I will not select them again.
Product: Payday loan, title loan, or personal loan

This complaint is in regard to a solar & LP backup generation project loan for {$70000.00}. On XX/XX/XXXX I signed a financing contract with Dividend Solar Finance LLC ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, CA XXXX ) to finance my project with XXXX ( XXXX XXXX Located At : XXXX XXXX XXXX  XXXX # XXXX XXXX, FL XXXX ( XXXX ) XXXX License No. : XXXX XXXX ). I have been in constant contact ( 10+ phone calls and emails with details of my complaint ) with Dividend since I received their errant notice of project completion and repayment initiation on XX/XX/XXXX. This notice of completion was fraudulently filed by XXXX ( contractor ) with Dividend to get paid for a project that they had not satisfied the terms thereof. XXXX XXXX is aware my concerns and has not taken action to correct the issue. I have documentation to support my effort to resolve this issue and XXXX has not attempted to resolve the issue, complicit allowing the unfinished contract to continue, knowing they have fraudulently submitted for, and been paid by Dividend. Dividend is located in California.I have been clear that we have not satisfied the terms of the contract for repayment to begin as my project is still not completed as of the date of this complaint. The is the first of many agency complaints I intend to raise with ( California, Florida & federal ) in regard to XXXX & Dividends fraudulent practices. No lawsuit has been filed yet. and I have not retained an attorney.
Product: Debt collection

This company responded to my last CFPB complaint advising that this debt was verified. This debt was NOT verified lawfully under the FCRA. I have yet to receive any PROOF that I signed any contract to be in agreement with them and that I owe them any money. 
They did not send me proper verification ( WHICH I ATTACHED. ) They sent alleged account information. That is not enough. They need to send invoices bearing my signature or a contract bearing my signature to properly verify this debt under the FCRA. They have not and I am willing to pursue this matter legally as my rights are being violated.

I reached out to Collectech Diversified on XX/XX/XXXX in regards to account XXXX. This is for XXXX XXXX and XXXX for an address I am not associated with and never lived at. I attached the letter I sent certified. I also attached their response I received on XX/XX/XXXX which was only the name of the original creditor and alleged dates of service and amount owed. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Collectech Diversified has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Product: Money transfer, virtual currency, or money service

A seller sent me fake XXXX sending receipt with the tracking number hidden saying that he will send me that once I transfer the money. I paid half the money via paypal and other half using Venmo. Once I sent the money he stopped replying to my messages and calls. The companies said they can not help since I did not choose seller protection. Now I lost my money and did not even get the product.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I recently noticed unusual activity on my credit report. Someone tried getting a car in there name and applying for multiple loans. also multiple accounts are on XXXX that I have no idea about they don't reflect on any other credit beura. multiple additional inquires include XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CUSTOMER XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on my report there are accounts that do not belong to me that i have no knowledge off such as 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  THANK YOU HAVE A BLESSED AND HEALTHY FUTURE
Product: Credit card or prepaid card

Good Afternoon, I went to make a purchase with one of my credit cards that was issued by Synchrony bank and it was denied. I called the number on the back of my card and a customer service rep stated that my account was CLOSED. I asked why and they stated that I will receive a letter with 5-7 business days. So got me thinking about my other cards that I have through them and started calling and All of them stated that my account was CLOSED. I have been a customer of theirs for 4 plus years with no issues. I did carry several credit cards with them, most with XXXX balance, always paid on time, never went over or even close to my credit limit, always paid way more then minimum due. My credit was not great when first started with them due to job loss but I was determined to improve my credit rating. Most of the cards started out with little available credit and as I got established with them, they kept increasing my credit limits as well as giving me more credit cards. I have been an exceptional customer since I started using them and now within a day all my hard work gone!! At one point one of the reps told me to contact Transunion because that was the nail in the coffin due to my credit rating going down. Yes, I have been using more credit due to the pandemic but again nothing crazy and it was not even close to what I had available to me and again always pay my bills. I just think is fair that they can treat people this way. They could of decreased my credit limits first as a warning but instead they kept increasing credit limit the BAM accounts closed.
Product: Checking or savings account

There was an unauthorized transaction for {$94.00} on my account. So I tried to dispute it, when I sent in the information some of the dates were wrong so I attempted to change it. But there is no way to edit or reopen a closed transaction which I only learned later on. So now I can not dispute the transaction. This is with wells fargo bank.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX # 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the XXXX XXXXtatute of Limitations. In XXXX XXXX oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2018 - 30 & 60 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I wrote a dispute letter to XXXX uploading proof from the United States Bankruptcy Court stating that they do not report my XXXX  XXXX bankruptcy to any Credit Reporting Agencies. Inlcuding not all XXXX, XXXX, Experian, XXXX XXXX. By Law 15 USC 1681 A ( 3 ) ( 4 ) Consumer Agencies have Assumed a Vital Role in assembling and Evaluating Consumer Credit other information on Consumers. It also states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am fully justifying the deletion of Bankruptcy- XXXX XXXX in writing for all 4 Credit Reporting Agencies . This Public Record is harmful to my consumer credit. Any third party/ credit reporting agency who has directly obtaining my personal information to publicly harm me is a violation under law.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically. Cash app fails to take timely and effective measures to prevent an 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

During a period between XX/XX/XXXX-XX/XX/XXXX I was required to visit the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. At the time I was without any form of insurance, and applied for and was approved for what was then termed " XXXX XXXX '' which was sponsored and paid directly by XXXX for uninsured, low-income patients. However, the application was apparently mishandled and the information never properly submitted, so I now have multiple negative credit items reflected on my credit reports ( for several visits, but all covered by the submitted XXXX application at the time ) Due to the manner in which billing is done at the medical center, these negative items are being reflected as different credit items from several departments, and none of them acknowledge or notate the approved XXXX XXXX assistance by XXXX. The items listed and in need of removal include the following : XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX REC $ XXXXMy credit score is at least XXXX points lower than it should otherwise be as a result of the failure/refusal of XXXX and the credit bureau 's to remove the items covered by my XXXX insurance.
Product: Vehicle loan or lease

This company credit acceptance or the dealership fraudulent changes and over charge over XXXX in a loan Im the co-signed the dealership is out of business credit acceptance dont respond or investigate this issue
Product: Mortgage

Shellpoint Mortgage placed forced order insurance on my account amd added an escrow account to my loan upon the transfer of my mortgage to their company. I contacted them immediately to advise I pay my own insurance and sent them proof. They confirmed it was received and have refused to correct the issue since their knowledge of it in XX/XX/year>. They are now reporting me delinquent, and I am in danger of foreclosure.
Product: Checking or savings account

Fraudulent checks and deposits were made in my checking account and then disbursed through XXXX XXXX. This caused the checks and deposits to be charged back, making me lose my personal cash and the transactions out to via XXXX XXXX still be disbursed to someone I don't even know. I'm in the hole quite a bit of money at the moment and for no reason. Please help.
Product: Checking or savings account

On XXXXorXXXX on line I summit on line application for for a everyday check with wells Fargo.I get direct deposits with them and tell me that I'm not good for a everyday checking account.
Product: Debt collection

I originally owed XXXX $ but my credit report says I owe over {$800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asapXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new & updated information on XXXX, EXPERIAN, and XXXX. Someone is using my identity to furnish items on my behalf. XXXX, EXPERIAN XXXX XXXX don't have permissible purpose pursuant to 15 USC 1681b. On XX/XX/22 I filed an identity theft report with the fraudulent accounts attached and sent it to them. XXXX received it on XX/XX/22, EXPERIAN received it on XX/XX/22, and XXXX received it on XX/XX/22. Theyre in violation of 15 USC 1681c-2 for failing to block the reporting of the fraudulent items 4 days upon receipt. I will attach my Identity theft report and my proof of identity along with my statement of identity so no further stalling tactics will be used by them. They have all the identification they need to remove these items from my consumer report. 

They= XXXX XXXX XXXX XXXX and EXPERIAN Them= XXXX, XXXX, and EXPERIAN