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

The following account Military star was closed and charged off on XX/XX/2019 Since then the account has been repeatedly reporting as a charge off every month. This is an update in the payment history which to my understanding charged off accounts should not hav an active payment history. This also falsely manipulated the statue of limitations. I am demanding a deletion of the following account : Best regards, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX we mailed a forbearance extension request for our CARES act Fannie Mae mortgage loan. We noted that we are still experiencing a hardship due to COVID 19 and would like to a request an additional 3-month forbearance extension. 

We called to follow up with XXXX XXXX  on XX/XX/XXXX regarding the extension request. We were told by the representative that she entered the application for us and that we would receive an update with in 5 days via email or regular mail regarding our extension. We havent received any update. 

Today we called again and were transferred to XXXX in the loss mitigation department. She advised us that the request we submitted was closed on XX/XX/XXXX. We were never notified of the closure and do not know why our protected XXXX XXXX loan forbearance is not being extended under the CARES act as it should be. 

We are currently in an active CARES Act mortgage forbearance plan with XXXX/TIAA BANK and are requesting an extension to that forbearance. Our hardship has not been resolved. 

We have not received any communication regarding our multiple requests for extension. 

We would like to receive written notice of our mortgage forbearance extension under the CARES act.
Product: Mortgage

I filed a complaint against Nationstar, Nationstar replied but did not address the issues. CFBP closed the complaint without allowing my rebuttal to Nationstar 's response, which is false. Nationstar needs to resolve the issue by addressing and rectifying their mistake : Nationstar failed to notify me of the escrow analysis, failed to notify me of the increase in my autodraft ( they drafted more than what was authorized ), they failed to allow payment of the escrow shortage, they failed to provide transcripts of the recorded conversation I had with two of their representatives onXX/XX/XXXX. 

XXXX stated the escrow analysis was mailed, which is impossible because I agreed to their electronic correspondence last year.
Product: Money transfer, virtual currency, or money service

I live in XXXX XXXX California ( XXXX ) I got gas at XXXX on XXXX. Paid with my card at XXXX. Went home and my phone notification went off. Someone was withdrawaling cash from my cashapp account. I reached out to cashapp to dispute it and lock card. Ordered another. The person made XXXX withdrawals at XXXX for XXXX $ XXXX for XXXX XXXX XXXX for XXXX XXXX Cash app stopped the XXXX attempt at XXXX for XXXX $ for fraud suspicion. The atm used was onb-mn-brooklyn. An atm in minnesota. Their investigation took place over the weekend while banks are closed and concluded that I must have gave them permission because they used an atm. I did not and only have my XXXX card. They should not have been able to use an atm at all. I reached back out because I did not endorse or enable anyone to steal my money. They are refusing to help or tell me the exact atm that I could investigate I to myself. They say they are denying my dispute and that I should reach out to the merchant, who is the merchant when someone hacks or clones your card? Why was transactions allowed in another state when my card was used in XXXX XXXX ca?
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I have also filed this following report to FTC and have a case number XXXX I bought ethereum coins from Coinbase in XXXX. I was notified by email end of XX/XX/XXXX by Coinbase that I could not get into my account. My account was frozen several times and I called the company and each time spoke to different people who informed me I had to wait until I received an email to start the recovery process to get into my account. It took till XXXX XXXX when i got into my account and retrieved much of the coins and money there and left XXXX ethereum coins in that account as I wanted to wait for the market to improve so I would not lose the money I initially put in.That same day on XXXX that thieves got into my account again and coinbase sent me an email asking me to allow or cancel a transaction to go thru. It was shortly after I had taken out most of my money. I hit the cancel button and it was then that coinbase ignored my cancel transaction and allowed the thieves to take my money out. Now, coinbase tells me that not only dont I have my ehtereum coins in there but that I owe them money. Coinbase owes me money and I repeatedly tell them that. Coinbase had no right to allow the transactions to go thru as I hit the cancel button. Each time I called Coinbase I spoke with different people and made notes of their names, time I spoke with them and date. I told this to Coinbase via email but they ignore what I wrote. The coins were stolen from my account and I want it back. I need help. 
I need help in retrieving my account. 



.
Product: Credit card or prepaid card

I placed a total of 3 balance transfers in the month of XX/XX/XXXX. Two of those transfers were charged a 4 % fee and a 0 % interest rate. Those were of the amount of {$1500.00} and {$800.00} dollars. The third transfer was for 3.99 % with a 3.99 % rate. The XXXX percent balance transfers were completed on XX/XX/XXXX and are to expire on XX/XX/XXXX. The 3.99 transfer was completed on XX/XX/XXXX and is to expire on XX/XX/XXXX. I was told my payments would pay off the earliest balance first. 
Last month I looked at my statement and I see I have paid almost the whole 3.99 % balance while I have a majority of the XXXX percent balance left. After this month, I will be forced to have the balance revert to my current 18.24 % rate when my 3.99 rate was not set to expire until XXXX of next year. I contacted Discover along with a supervisor and all they did was lower my APR for only new purchases to 16.24 %. 
This is an unfair business practice as they are going to collect much more interest this way.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found items on there to be inaccurate.

Under 15 U.S.C code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation ; promptly notify the furnished of that information that that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX- I dispute the missed payments and late payments on this account XXXX. COLLECTION ACCOUNT FROM XXXX XXXX XXXX never had a contract with this debt collector for any debt. Please provide legal proof from the original creditor that this debt collector owns this debt and has legal authority to collect it or delete this account XXXX ACCOUNT FROM XXXX XXXX XXXXI never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Credit card

I have had a Macy 's credit card XX/XX/XXXX as this is the best way to get coupons and save money purchasing items in the store. The discounts are good. Up until about the XX/XX/XXXX I have not had an issue with my card. I pay off my card immediately after using it and I only have it to get a better deal. The sales people push their line of credit while you check out in the store. On XXXX XXXX I made a purchase of {$150.00} and paid it online when I returned home through the Macy 's Credit Card site I never received a statement, I am signed up for paperless statements through my email. This did n't surprise me because I had already paid the bill and did n't have a balance, or so I thought. At the XX/XX/XXXX I was billed {$150.00} plus a {$25.00} late charge and finance fees. The bill was now {$180.00} and change. I called Macy 's who said my bank must not have processed it. I called my bank who told me that the issue is with Macy 's site as that payment was made on their system. I called Macy 's again..They were not helpful and continued to blame my bank. At that point I made XXXX payments in XXXX to get the balance to zero as I do n't want to ruin my credit. I did n't use the card again until XXXX days ago XX/XX/XXXX. The bill was {$56.00}. I was about to login today to pay the balance when I received an email with my Macy 's statement which seemed odd since I had just made the purchase. The bill was {$60.00} and change. I attempted to login to the website to see what the extra {$4.00} charge was. The site was down. I called Macy 's credit card customer service and spoke to XXXX different people before my issue was resolved. I spent over an hour on the phone. XXXX of the persons I spoke to did say the site was down and that some could login and others could n't. I do n't believe the first person even listened to what I was saying and kept trying to get me too pay the minimum {$4.00} payment and telling me that there was a late charge as the bill was due XXXX. I explained to him multiple times that I received the bill today so I could n't understand how there was a fee on a product I bought XXXX days prior. I am annoyed that I did n't pursue the fees from XXXX. I did some research and I noticed there are many others complaining about the same issues I had, website not working, getting late fees and not receiving statements. I believe this is fraudulent activity and I would hope Macy 's would care enough about their customers to do something about their horrible credit card company, especially because they push it on all of the customers that are checking out and it is the best way to get good shopping deals. If you check the history of my account prior to this XX/XX/XXXX you can see that I have consistently paid all my bills in full. This credit card company needs a wake up.
Product: Credit card or prepaid card

On XX/XX/2023 I noticed that I had a charge on a previous debit card with Netspend ending in XXXX. The charge originated from XXXX XXXX in the amount of {$16.00}. with a {$1.00} charge from Netspend ( totaling {$18.00} ) Within the following week I notified Netspend of the disputed charges by email. I was told to do a follow-up letter within 10 days about the disputed charges. However, the fax number that was given was busy on all occasions and the fax would not go through. 

Subsequently, I spoke to a representative from netspend and they explained that the inquiry was in process and they would let me know the results from XXXX XXXX. 
I finally got a fax to the company, and they said that they would notify me within 3 days. 
I came across an internet article stating that there had been a recent filing with the FCC concerning XXXX 's charging subscriptions to their customers and making it difficult to reimburse the charges. I am a victim to this practice and requested in my fax to Netspend that I wanted to be reimbursed for any other charges occurred on my account that I did not notice. I contacted Netspend again on XXXX XXXX and they stated they would not conclude their inquiry until XX/XX/XXXX. This practice is not acceptable and they Consumer Protection Bureau should make XXXX XXXX forthwith reimburse all affected consumers!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX 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 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 in accurate.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I mailed correspondence to all three credit bureaus with my identification and my drivers License showing my address and my full legal name I had notified them to remove all information, not pertinent to me. They keep reporting the same incorrect names and an incorrect address that I have told them that I do not own. they have refused to remove them even when I called. I can not properly dispute accounts that are not mine if they dont stop reporting the wrong names on my account and the wrong addresses.
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 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I have fraudulent account on my report. 
Please removed this account from my report, it is hurting my ability to obtain credit. 

A report was submitted the FTC. reference number : XXXX
Product: Bank account or service

. When you go into your chase account and make a future payment to any chase product you do not have the ability to see pending payments in the account that the payment is being made from. You can see other future pending payments for non chase payments though. Chase has decided that you should only see pending payments for their products in the account the will be credited not the account that will be debited. Chase can not and will not show their customers a true representation of what will be occurring in their checking or saving accounts. Most consumers have multiple accounts with chase. Such as mortgage, home equity loan, credit cards, car loans, student loans and so on. If you share bill paying responsibility with a spouse you will have no idea if a pending payment has been made from your checking or saving account. You must scroll though the multiple other screens to each product to see what is going on in your checking account. Why ca n't you see it in your checking account? OVERDRAFT FEES. And late payment fees. Why would they take your ability away to actually tell what is going on in your account. It is all about fees. As a consumer we should be able to see our accounts online and to be able to see all debit activity and all pending debit activity for all payments in those account. we must be able to reconcile what debits will be made from your accounts for all activity and not just activity chase feels you should see.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX REQUEST TO REMOVE UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report. Your immediate attention to this matter Is appreciated XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN- XXXX DOB - XX/XX/XXXX Email- XXXX Inquiries need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score went from XXXX to XXXX, with no cause. Now I am seeing XXXX XXXX with old bills dated as far back as XX/XX/2009, I have repeatedly tried to speak with them. Because they think I don't know what I am talking about they refuse to take me serious. Those negative accounts should be taken off my credit report because there is no validity in them. I have yet to receive anything in writing about the reporting agency and the credit bureaus are ignoring my letters and keep sending me credit report that has a lot of jumble nonsense to go through with no intentions of removing the negative reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance on my home mortgage decreased significantly. My Transunion credit score decreased by XXXX points on XX/XX/2020. There were no negative credit reports since the prior reported credit score on XX/XX/2020.
Product: Checking or savings account

On XX/XX/17 I reached out to US Bank to explain I had just gotten out of the hospital this week and that we had lost our housing in the pandemic. I asked if they could refund the four {$36.00} overdraft fees In the past they had been very understanding that we have not been able to keep up with cash flow in the pandemic. 

This time they said they arent doing it anymore and that we need to figure it out. 

I think it is terrible that they are even allowed to charge fees like this in the pandemic and that they make you feel like a terrible person
Product: Credit reporting, credit repair services, or other personal consumer reports

Transuion refuse to remove accounts from my report that was not authorized by me. The XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX XXXX Has been on my report for over 7 years and they still refuse to remove it off my credit report. Also there are several inquiries which I did not give consent to fringe upon my credit report those being XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted on XX/XX/2020 at XXXX XXXX by an individual named XXXX XXXX. He was calling from Quicken Loan to ask about a refinance of my current mortgage. He stated that the rates lowered and now would be a great time to refi. I asked what the current rate was and he said he was unable to provide this information without a credit check. I thought I was pretty clear when I stated that in XXXX the rates did not make sense to refi and I did not want another inquiry on my report. I gave him my approx credit score and asked if he could give me the details based on the info provided. 
He said yeas but would need to confirm some details ( birth date and social ) and could go to work on the numbers. He did not request permission again after being directly told I did not want him to pull credit. I have assumed that he was using the info I provided as requested. 


He then pulled my score without consent and then got back to me with the details. 

I filed a complaint and a quicken team member XXXX XXXX conducted an investegation. On XX/XX/2020 on XXXX he called to inform me reviewed the case and stated that he did note where the loan officer asked for permision and I stated I did not want a credit check but concluded I had " implied '' consent by calling quicken. I pointed out that I got an unsolicited phone call from quicken that that I did not call him. He then changed his story and said that I gave consent by providing personal detail such as social and birth date and that that implied consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC is reluctant in providing me the following information as requested under the FCRA and FDCPA.

I request under the FCRA & FDCPA ( thru this CFPB Portal ONLY ) that this company and affiliates furnish me the following : 1. Proof that they own the debt and verification that I owe the debt.

2. Proof and details outlining the North Carolina Statue of Limitations on expired debt.

3. Documentation of the agreement between the original creditor and current owner authorizing for such a collection on the assumed debt, including documentation of the fees and cost.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report as provided by [ Credit Reporting Agency, e.g., XXXX, Equifax, XXXX ]. The information I am disputing is incorrect and incomplete according to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX