23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A process server for Weber and Olcese tried to serve paperwork at my house. The process server was recorded on doorbell surveillance going through the mailbox and wearing a badge. When a letter was sent to the office, there was no response. This company continues to break process protocol to serve paperwork.
Product: Credit card or prepaid card

On XX/XX/2022 -Wile at a self check out register at Bjs, my transaction was stopped and a clerk came over. She wanted me to open a credit card that the screen prompted me to do as well. I put my information in and was approved, wile reading the terms and conditions, I did not agree with the interest rate and was reaching to hit No when the BJs employee reached over and hit accept. It automatically opened and charged a new account I did not agree to open. They could not do anything about it to reverse it and said to call the bank, they admitted wrong doing but told me to bad so sad. I had no intention of ever agreeing to this card to be opened and did not accept the terms and conditions. I called the bank, comedity and they did an investigation and found no wrong doing but closed the account without my concent and then sent me a bill, they keep sending me a bill and it has now negatively affected my credit. I have also tried to dispute it with a credit bureau, who has been no help. My credit has now dropped XXXX points, and I have nowhere else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts listed on my credit report that are not clearly mine. I think someone used my information to open these accounts. I am not a credit repair company, and I sent in my personal documents to depict who I am. Please remove those accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a balance due to Upgrade , Inc. when I filed for personal bankrupcty protection on XX/XX/XXXX ( XXXX XXXX ). My debt to Upgrade Inc. was discharged when my bankruptcy was discharged, and my other creditors began correctly reporting the status of my accounts to all 3 major credit bureaus. Upgrade was so slow to change the reporting, that I had to dispute the debt with the credit bureaus and Upgrade , Inc, to have it changed to the appropriate status of discharged in bankruptcy and {$0.00} balance. Throughout XXXX, however, Upgrade Inc has changed the reporting of my closed account several times with the different credit bureaus without provocation or reason. I disputed the changed reporting ( status, amount, etc, were even reported differently at different times by Upgrade , Inc ). In XXXX and XXXX, XXXX, they began reporting to 2 of the 3 credit bureaus a total amount that is far more than I ever owed, and showing part of it charged off and part of it still owed and very late. They also added derogatory history back to XXXX, as well. I have attempted to contact Upgrade Inc, but there is no one I can talk to that handles credit bureau reporting at that company, and when I dispute with the credit bureaus, the company seems to retaliate by adding additional derogatory info. I need help getting Upgrade Inc to correctly report by discharged debt to all 3 credit bureaus before it hurts me financially and in my career.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Upon viewing my credit reports I noticed my " XXXX - XXXX had a discrepancy in the Two-Year Payment History. XXXX and Experian are reporting a 30-day late payment for XXXX, XXXX, XXXX, XXXX, XXXX. However, XXXX is reporting a XXXX late payment for XXXX, XXXX, XXXX, XXXX, XXXX. If this is the same account, reported by the same creditor how is the payment history different? Because of this apparent neglect in ensuring everything on my report is accurate, consistent and up to date please " PAID/PAYS AS AGREED, NEVER LATE " this item immediately. 



I have enclosed a screenshot for your viewing. Please see Two Year Payment History '' Section.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

On several occasions, Navy Federal would allow transactions on my account without funds being there. Also there was XXXX and XXXX XXXX  being submitted and receiving funds because I felt like the money was available when I did the transfer, but it wasnt.
Product: Mortgage

On XX/XX/scrub>XXXX XXXX XXXX  Navy Federal Credit Union experienced some sort of technical issue which has been occurring quite frequently for the past 90 days ever since they made their software upgrade degrades earlier this past year. 

The technical issues prevented any online website or mobile app to be used to make payments on XX/XX/scrub>XXXX XXXX XXXX 

Despite my having paid off the note several times already, and the Account paid in Full, on XX/XX/scrub>XXXX XXXX XXXX Navy Federal showed about {$1700.00} due XX/XX/year> due. I drove to the brick and mortar Navy Federal Credit Union branch at Kentucky and tendered a check in the full amount Paid in Full {$1700.00} purportedly due on XX/XX/scrub>XXXX  for the amount {$1700.00} purportedly due XX/XX/year> and an additional XXXX cents to be applied to Escrow. The live wo/man bank Teller confirmed that I had tendered the full amount and confirmed receipt of the amount by issuing a receipt which did not say Mortgage but instead said Mortgage Heloc Equity XXXX  which I do not have. She confirmed that the mortgage was paid. On XX/XX/XXXXXXXX XXXX I checked online to ensure that Navy Federal properly credited the funds as the check tendered was on the Navy Federal Account and the account paid was a Navy Federal Credit Account. Instead NAVY FEDERAL shows a suspense amount of XXXX and an amount still " {$1700.00} due on XX/XX/year> ''. 

Navy Federal failure to process funds and unlawful conversion have been the subject of several of my complaints to CFPB. CFPB is warranted to open enforcement action against NFCU for unlawful conversion, failure to apply funds, negligence, misappropriation of funds, misrepresentation in credit transactions and interstate banking and wire fraud.

Please engage in enforcement action and send me {>= $1,000,000} as my part of the penalty for their bank fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequte customer service and unfair practices, which violate the Comsumer Finacial 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 inconvience and finanical loss, and i seek appropriate redress for these violations.
Product: Mortgage

My current loan to value ratio is less than 80 % but my mortgage provider is not accepting to cancel my PMI. I recently did refinance and as of today the Loan to value ratio is less than 80 % Mortgage provider - dovenmuhule Mortgage As per the contract signed, my PMI can be cancelled after ltv is 80 % or less
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request. 
In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 
1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 8. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 9. XXXX ( Inquiry Date : XX/XX/2020 ) 10. XXXX ( Inquiry Date : XX/XX/2020 ) 11. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 12. XXXX XXXX XXXX These accounts are individual actions, they must be delete immediately.
Product: Checking or savings account

My name is XXXX XXXX and Citibank froze my checking account randomly for no reason, and I cant do anything with my funds. I demand them to unfreeze my account, I call customer service and they just rudely hang up on me with no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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: Credit card or prepaid card

To : CFPB Date : XX/XX/2019 AC # XXXX THERE IS A BILLING ERROR : REQUEST FOR ACCOUNT DETAILED AUDIT OF THE INVESTIGATION! 

THIS LETTER IS TO INFORM YOU THAT THERE IS A BILLING ERROR COMMITED BY BANK OF AMERICA! I AM REQUESTING A DETAILED AUDIT OF THE INVESTIGATION! 

MY CREDIT CARD STATEMENTS WHERE TURNED OFF! BANK OF AMERICA IS BLAMING ME FOR TURNING OFF MY CREDIT CARD STATEMENTS! I NEVER REQUESTED TO STOP RECEIVING PAPER STATEMENTS! AT NO POINT DID I REQUEST TO STOP RECEIVING PAPER STATEMENTS! 

I DO NOT ADMIT TO THE ALLEGATION THAT I CLICKED ON ANYTHING ON THERE WEBSITE TO TURN OFF PAPER STATEMENTS!!!! 

BANK OF AMERICA RECORDS CLEARLY INDICATE THAT I DID NOT RECEIVE PAPER STATEMENTS FOR MONTHS! THIS CAUSED ME TO MIS MY XX/XX/2019 PAYMENT! I NOTIFIED BANK OF AMERICA OF THIS PROBLEM ON XX/XX/2019 VIA PHONE AND BY LETTER ON XX/XX/2019 AND THEY NOTIFIED ME THAT THIS WAS MY DOING! WHICH IS A LIE! 

I AM REQUESTING DETAILED INFORMATION THAT I REQUESTED MY STATEMENTS TO BE TURNED OFF! I AM DEMANDING WRITTEN PROOF OF THIS REQUEST. PROVIDE AUDIO PROOF OF THIS REQUEST, IF I DIDNT SIGN ANYTHING REQUESTING PAPER STATEMENTS NOT TO BE MAILED TO MY HOME THEN THERE IS NO PROOF I REQUESTED STATEMENT NOT TO BE MAILED TO MY HOME! PLEASE PROVIDE DETAILED WRITTEN PROOF! PLEASE PROVIDE WRITTEN OR AUDIO PROOF OF THIS REQUEST WITH MY SIGNATURE! 

IF THEY CAN NOT FURNISH THIS INFORMATION PLEASE REMOVE IMMEDIATELY MY 30 DAY LATENES OF MY BANK OF AMERICA ACCOUNT! 
UNDER THE TRUTH IN LENDING ACT, THE FAILURE OF A CARD ISSUER TO SEND A BILL IS CONSIDERED A BILLING ERROR!!!!!!! 
Update my Bank of America Credit Card payment history. Remove the 30 day late in XXXX of 2019. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Product: Mortgage

We fell behind on our house payments due to  XXXX  loss and of our business. I have been in ongoing conversations with Chase. I also spoke to our Represenative. We informed her  ans   Chase  we recently rented  1/2  our house out to help pay our mortgage payments. I informed the  Represenative  we were keeping our house. I inquired about modification and she told me to wait  two  months to show the income from the new rental. I informed her we could make a full house payment  XXXX / XXXX /  XXXX  . I spoke with her  XXXX / XXXX /  XXXX  . LAst night I got a call from  Chase  and I was told our house was in the foreclosure department and we would now be responsible for legal fees and many other costs even if we could paid the delinquent amount.   I made it clear, we would complete a modification packet, but was told by our Represenative to wait. On  XXXX / XXXX / XXXX  We were told our loan was in foreclosure. This is misrepresentation and an attempt to charge us for extra fees!!!  Chase  is practicing bad faith and unfair business practices. We do t qualify for Save your Home, CA., our loan is over the {$720000.00}. Amount allowed, but is {$750000.00}.   We simply asked for 5 more business days and for Chase to take 1 payment. We went to great lengths to rent out  1/2  our house, now  Chase  is foreclosing!!! We want this stopped! And we should not be charged extra fees! This is against everything Chase is supposed to do to WORK with homeowners and not TRICK them. They have money to help people like us and have not upheld their obligation.   Please contact us for our loan number and anything else you need. We only want a fair opportunity to save our home!   Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX9 US DEP ED and Account # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Has also violated my rights. It is against Fair Credit Reporting Act 15 U.S.C 1681b Section 604 for an entity to view my credit report without a permissible purpose. The inquiry was performed under false pretenses 15 U.S.C 1681 States I have a right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed on with Credit Expert LLC in XXXX of 2020. I have been charged {$39.00} monthly since then, for a total of {$190.00}. 

Credit Expert LLC has a full copy of my credit report, but also requested access to my XXXX XXXX profile and XXXX  login, which I did not feel comfortable with. 

They stated that they have filed two " rounds '' of disputes. I have not had any deletions, and therefore, to my understanding, this company is in violation of the Credit Repair Organizations Act which prohibits Credit Repair companies from charging upfront fees prior to delivering deletions. 

Additionally, in a recent CFPB action against a similar Credit Repair company " XXXX XXXX  '', the Telemarketing Sales Rule restricting upfront fees was also invoked. 

I have requested a full refund from the company which they have refused. They mention the " work '' they've done and the rounds of disputes, but there are not any results. 

They created a client portal and requested that I fill out a creditor sheet, but I did not have time to do this nor should this have affected their ability to effectively dispute on my behalf. 

If they aren't able to accomplish deletions, I accept that, but I should not be charged or denied a refund if they have not been able to accomplish any meaningful benefit for me whatsoever. 

They did agree to refund {$39.00} from the previous month, which I had requested that they not pull 3 days before the due date, and they pulled anyway. But, they have declined to refund the payments since XXXX. 

This still leaves {$150.00} that I am owed. 

If they had accomplished even one deletion, I would not be requesting this. But they have charged me upfront before any results were delivered. I believe that they were just trying to string me along with monthly payments. 

I am requesting that this company refund the payments that I've made since they were charged upfront before any results were delivered. I felt that 5 months was long enough to at least see some kind of accomplishment, or even one deletion, if they were able to do what they claimed.
Product: Debt collection

The Federal Poverty Guidelines allow emergency providers to waive the full amount or a % of the bill should a financial hardship be determined that would effect ones ability to pay. All emergency hospitals have a form they give out for the financial hardship waiver to determine eligibility but XXXX did not do this even after my request instead they sent me over to a debt collector and they do n't understand what it is that I 'm saying to dispute the debt
Product: Credit card or prepaid card

I used my capital one credit card at a gas station in XXXX. The gas station is a full service station, I handed my credit card to the attendant. He told me it was declined. I then used my XXXX XXXX debit card to pay for {$23.00} USD. Later that day, my Capital One credit card was charged {$3100.00} ( XXXX pesos ) or {$150.00} ( USD ). The card was ran without my permission and signed by someone with a different name and signature. It was fraudulently used and signed. Capital one will not reimburse me or change the charge on my account despite many attempts and hours of phone calls.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX XXXX. on XX/XX/XXXX Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX XXXX XXXX Account number ( XXXX ), credit card Opened at XXXX  on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX  on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX, A credit card XXXX  XXXX XXXX XX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A bankruptcy public record account XXXX XXXX XXXX on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Collection efforts after debt was discharged in CH-XXXX bankruptcy. Creditor sent debt to XXXX Collection on XXXX. Continued collection efforts, placed deragatory information on me credit report On XX/XX/XXXX and again on XX/XX/XXXX. Information was in VIOLATION of AUTOMATIC STAY US Bankruptcy code. Deragatory remarks must be removed from CRA 's immediately due to being AFTER the Discharge of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Last reported XXXX XXXX XXXX  {$0.00} Reported balance Highest balance {$15000.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$15000.00} {$16000.00} {$17000.00} ( ON CREDIT REPORT ) WRONG Monthly payment {$0.00} Opened XXXX XXXX XXXX  ( 5 yrs, 7 mos ) Reporting Wrong on Credit Bureaus. Derogatory Remove asap. 


XXXX Last reported XX/XX/XXXX {$8200.00} {$6200.00} {$7700.00}. ( ON CREDIT REPORT ) WRONG Reported balance Highest balance {$6900.00} You've paid off XXXX % of this loan OVERVIEW Highest balance {$6900.00} Monthly payment {$0.00} Opened XXXX XXXX XXXX ( 5 yrs, 7 mos ) Term 48 months ( 4 years ) PAYMENT HISTORY Last payment XXXX XXXX XXXX  Payment status Reporting Wrong on Credit Bureaus. Derogatory. Remove asap XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$670.00} Open balance XXXX XXXX XXXX Original creditor SNAPSHOT Opened XXXX XXXX, XXXX ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX PAID IN FULL. REMOVE ASAP
Product: Credit card or prepaid card

I opened a XXXX XXXX Credit Card account in XX/XX/XXXX. 3 months later when the company didn't credit me the correct amount of rewards that they advertised when I opened the card and after having a bad customer service experience, I requested that they shut down my account because I won't be dealing with their company anymore. And so the account was shut down on XX/XX/XXXX, and I shredded my card and obviously never used it subsequently. 
Months later in XXXX, I receive a letter from them saying that I have late fees on a charge that was made on this account from XXXX XXXX XXXX 's on XX/XX/XXXX for the amount of {$27.00}. A charge that I never made! To even double check, I reviewed my order history at XXXX XXXX XXXX XXXX and I didn't find any orders that were made on that transaction date or for that amount. 
I contacted TD bank 's customer service to dispute the charge amazed at how somehow the card could still be charged even after the account was shut down?! They let me know that the charge will be disputed. 
Today on XX/XX/XXXX, I received a letter saying that after investigating the charge, they determined the charge was valid and reversed the credit on my account because apparently the shipping and billing of the charge were my address. 
But I never purchased anything on that date or for that amount or even mistakenly received anything from the dept. store!!! 
And It's their mistake for allowing a charge to be made on a closed account and they refused to transfer me to the fraud department. 

I had this card for all of 3 months and I never as much trouble with a credit card as much as this one or dealt with such an incompetent customer service!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i have a few collections that do not belong to me and the credit bureau wont take them off my account on XXXX XXXX XXXX XXXX opened a collection for XXXX $ with the original creditor being XXXX XXXX on XXXX source receivables manage opened a collection for XXXX $ on XXXX the original creditor being XXXX  XXXX XXXX opened on XXXX with the original creditor being XXXX XXXX XXXX  which was a condemned apartment complex that was shut down while i was living there
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$600.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX -- {$2300.00}