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

My medical bills that went to collections with XXXX XXXX XXXX in XXXX/XXXX dropped off in XXXX and now TransUnion is reporting them again.
Product: Debt collection

XXXX XXXX XXXX Account Number XXXX Account Open Date XX/XX/2022 Amount {$1000.00} XXXX is reporting an account to my credit that does not belong to me. I have had several issues with them before and have had to request proof of accounts which I was not provided. Another Collection Agency called me about an account with XXXX before and I advised that I didn't have another account with XXXX. I also didn't not live at the address they provided and the services at my previous address were never in my name, I didn't have any utilities services in my name prior to moving into my home in 5 years or longer. Also, please note I currently have residential XXXX services at my home which I own and XXXX does not have any outstanding bills with my information.
Product: Checking or savings account

I closed my 401k  account with Goldman Sachs as I was XXXX XXXX XXXX XXXX. I decided to take a lump sum distribution in the amount of $ XXXX and GS processed this on XX/XX/XXXX. I have been working with them for over one month to try and obtain the funds. Initially, they told me it would take about 3-4 business days for the ACH to be processed and received by my financial institution ( XXXX ). However, by mid XXXX I still had not received any funds. After calling Goldman Sachs back to check on the status of the transfer, I was told it had rejected and they had automatically issued a check, however this went to an incorrect address. I had them update the address on XX/XX/XXXX, and stop and reissue a new check. As of XXXX, I still have not received any check. I requested another ACH or wire transfer and was told that wasnt standard procedure, but they would look into it. I am at a loss, I needed this money for a financial emergency and Ive been waiting for over a month to get my money.
Product: Credit card or prepaid card

I applied for a secured credit card with USAA bank with a written agreement that I could not only use it to improve my credit score, but to also increase my savings by adding funds to the Certificate of Deposit which the card is connected to whenever I pleased. Even though it runs off of a Certificate of Deposit which I paid into, they still ran my credit, then they charged me a fee, only to then tell me that I may no longer add funds to the CD as agreed to originally due to a " banking decision '', which is a vague and undescriptive response. 

Now I am stuck with a CD that I can not increase, as to the original agreement, a laughable credit limit, a hit to my credit score, and in order for me to start another secured card with another agency I would have to suffer yet another hit on my credit. 

Is it legal for a bank to back out of a product after they have already established an agreement??
Product: Checking or savings account

I had an unauthorized transaction on my chime account and I feel like they dont actually investigate the disputes until you push the nuclear button and get people involved. They denied my claim in less then XXXX hours
Product: Credit reporting, credit repair services, or other personal consumer reports

show in my credit report a company whit the name XXXX, I have give a call and ask why I have this report so they tell me a company whit the name home financing have look my credit three times. so I call the company homem financing and asking if they have any documents signed by me give a authorization to look my credit and they dont have.

I did not authorize this. they dont have any documents nothing, I need this issue resolved this lower my credit score I have call the company and send email to the manager try in solution this in the best way.

this is the three reference number. 


XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Thank you! 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX XXXX XXXX account # XXXX, address XXXX XXXX XXXX, XXXX XXXX XXXX MI XXXX, account ID XXXX 2. XXXX XXXX XXXX, account # XXXX, account ID XXXX 3. XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXXXXXX, account ID XXXX 4. XXXX, account # XXXX, XXXX XXXX XXXX XXXXXXXX, account ID 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 1681 c ( a ) ( 5 ) sections 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 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  made an ACH transfer of {$500.00} to my account on US Bank on XX/XX/2022. The money didn't show up on my US Bank account so far. I made many phone calls to both of them. They didn't help much. US Bank wanted me to call XXXX XXXX  to ask for the trace ID of that transaction but XXXX XXXX  refused to give it to me.
Product: Mortgage

NDSC claims to be foreclosing on behalf of XXXX XXXX However, based on the evidence presented by XXXX XXXX, and information available from SEC, the note was secularized. XXXX sold the note and it was secularized within days after the closing occurred on XX/XX/year>. Once XXXX sold the note, XXXX can no longer be the holder in due course. 

Furthermore, there is no assignment of deed of trust to the new buyer recorded after the sale occurred. According to the law, this has to be done within XXXX  days after which it becomes an unsecured debt and it can not be re-attached to the Deed of Trust on record. Therefore, NO BODY can any longer foreclose on that Deed of Trust. Period! Hence, the claim by NDSC that they are foreclosing on behalf of XXXX is an impossibility and false and they have no standing whatsoever. A rebuttal is demanded from NDSC in order to continue with the foreclosure action. 
Here are the details of the Security. 

[ XXXX XXXX Mortgage Pass Through Certificates Series 2005-8 Portal - CITI Investor Online Portal Closing Date XX/XX/year> GROUP - XXXX XXXX  - XXXX Seller XXXX Global XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Delaware corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Numerous requests have been made to NDSC ( Trustee ), XXXX ( Seller of the note ) and XXXX  XXXX ( Servicer ) to produce evidence under penalty of perjury that proves XXXX XXXX. is in fact the current holder in due course of the note and therefore, XXXX has the right to foreclosure under the Deed of Trust securing the note. However, this evidence has not been produced to date.
Product: Debt collection

I discovered a debt owed to Citibank on my credit report while attempting to finance a new home purchase. we contacted Citibank to settle up with them but they are refusing take payment or work with us in any way due to the account being in an " unworkable status '' thus holding my credit hostage. i spoke with XXXX id # XXXX who refused to work with us or escalate the contact to somebody who could. we just want to pay this and get it off our credit report.
Product: Credit card

I, XXXX XXXX, am formally writing this complaint to the CFPB because I, XXXX XXXX, am having issues getting SYNCHRONY BANK to perform an investigation into existing inaccuracies reported in my consumer reports. I, XXXX XXXX, have reason to believe that there is some form of miscommunication or misunderstanding because SYNCHRONY BANK refused to do an investigation into the inaccuracies, I had brought to their attention through a written notice of dispute around the date of XX/XX/2024. SYNCHRONY BANK assumed that I, XXXX XXXX, was a credit repair company. I, XXXX XXXX find this hard to believe because I sent them a proper written notice of dispute, ID, the last XXXX digits of my social security number, my email, and copy of my consumer disclosure report from XXXX XXXX XXXX, and the nature of the inaccuracies that need to be investigated. This complaint is to ensure compliance from SYNCHRONY BANK. There was a follow up letter that was recently mailed to SYNCHRONY BANK as a result of the perceived misunderstanding.
Product: Vehicle loan or lease

Westlake Financial the company that provided my auto loan. 
My XXXX XXXX XXXX was stolen on XX/XX/XXXX. It was recovered a few towns over in XXXX, Ma. By the XXXX Police Department in XXXX Ma on XX/XX/XXXX. However, XXXX XXXX XXXX dept claims my vehicle was repossessed on XX/XX/XXXX and then towed and stored at there repossession. This repossession never happened. Westlake financial never ever repossessed my vehicle and after numerous attempts to speak with someone from the repossession company with no luck has charged me {$920.00} {$20.00} insufficient fee totaling {$940.00}. Plus they apply XXXX every month as a repossession expense. 
I have called, written and mailed copies of relevant paperwork including police department logs ie : the theft report and the recovery report etc. 
I have paid my loan on time every month since I borrowed the money to finance my vehicle from Westlake Financial. Not once have I received a call back or any response regarding this so called repo. Please any help you can provide would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergont Account # XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions
Product: Credit reporting or other personal consumer reports

I am requesting an update to several accounts in my credit profile, which appear to be incorrect. Under the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to comply will result in a violation of the Act and may prompt an investigation by the Federal Trade Commission : XXXX : XXXX XXXXXXXX Balance Owed : {$610.00} XXXX  XXXX Balance Owed : {$260.00} -- -- -- XXXX : XXXX XXXX XXXX Owed : {$610.00} XXXX XXXX Balance Owed : {$260.00} -- -- -- TransUnion : XXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$260.00}. Provide evidence that these accounts are valid and that my rights have been respected. If no such evidence is available, promptly update the inaccurate account information.
Product: Credit reporting or other personal consumer reports

I RECENTLY OBTAINED A COPY OF MY CONSUMER REPORT AND NOTICED THAT THERE ARE INACCURACIES.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 compensation.
Product: Student loan

Nelnet has processed multiple IDR change applications to switch me to the SAVE program. With the first two attempts, they requested pay stubs for proof of income. I provided the pay stubs, not considering why they were asking, and they calculated my payment amount based on estimated gross income. I realized what they had done when I saw the payment amount was about 40 % higher than it should have been. I called Nelnet to ask why they would not use my XXXX  tax information. They claimed that the application they received from studentaid.gov noted that my income had decreased, so they required pay stubs and could not use tax returns. I reviewed the applications from studentaid.gov and confirmed the response regarding a decrease in income was clearly marked " no. '' Nelnet did process a verbal application over the phone in XXXX and estimated a payment amount appropriate to SAVE guidelines and XXXX. Now they have finally processed the application and the payment amount is again based on gross income, the same as the first application. They also placed me in administrative forbearance until XXXX, which I did not request. After more than two months of back and forth with Nelnet, I am in a worse position than I would have been had I never submitted a single application for switching to SAVE. I will spend hours more on the phone, trying to speak with someone who can assist, and there clearly is no guarantee of an appropriate outcome.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 XXXXXXXX Balance : {$3800.00} According to FCRA Section 605B ( a ) , the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax removed a fraudulent account listed on my consumer report and then turned around and added the account back. I submitted all required documentation, and the account still reappears on my consumer report even though I informed Equifax that it was fraudulent. This experience is a clear example of aggravated identity theft.
Product: Debt collection

The credit reporting agencies and the collection agencies stated the debt was mine. I began disputing this information on my credit report in XXXXXXXX XXXX XXXX I sent letters to the credit reporting agencies that my personal information was wrong on my credit report, my name was spelled wrong. There were numerous spellings of my name, multiple addresses that were not mine, the employer listed was not correct, and the phone number was incorrect. I sent the disputes by mail certified with a receipt. My credit reports do not show any disputes with the collection agencies. I filed with the FTC because since I have caught this issue my data has been breached 4 times in less than a year. I have no online access to XXXX or XXXX because I am locked out of those credit reports online. Since my information is not correct when I call the two agencies they can't identify me as the account owner. I have never signed any agreement to have my personal information to be sold to any third party. However, since the original creditors have sold my information and the credit bureaus have failed to manage my personal information my social security number has been compromised and now I am dealing with identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX [ XXXX XXXX XXXX # XXXX ] XXXX XXXX CA XXXX XXXX TransUnion Consumer Relations Re : Pre-Arbitration Demand to Correct Inaccurate Information and Identity Theft on Credit Report Dear TransUnion Consumer Relations, I am writing this letter to formally demand correction and resolution of several inaccuracies present on my credit report, as well as to address the issue of identity theft. As provided under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I request your immediate attention to these matters. Enclosed are two exhibits supporting my claims, along with a copy of the Federal Trade Commission ( FTC ) Identity Theft Report. 
XXXX. XXXX Accounts : Upon reviewing my credit report, I have identified XXXX accounts that contain inaccurate information. These accounts are as follows : Account XXXX : Creditor : XXXX XXXX Account Number : XXXX Inaccuracy : FRAUD ACCOUNT Account XXXX : Creditor : XXXX Account Number : XXXX Inaccuracy : FRAUD ACCOUNT Account XXXX : Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Inaccuracy : FRAUD ACCOUNT XXXX. Inaccurate Inquiries : Additionally, my credit report shows several inaccurate inquiries that I did not initiate. These inquiries have the potential to negatively impact my creditworthiness and financial standing. The incorrect inquiries are as follows : Inquiry XXXX : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Inquiry XXXX : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Identity Theft : According to the enclosed FTC Identity Theft Report, I have reported the occurrence of identity theft and the fraudulent accounts associated with it. The exhibits attached to this letter clearly demonstrate that these accounts are not mine, and I request their immediate removal from my credit report. 
Please be advised that the open dates on the accounts mentioned above are all different, further suggesting inaccuracies in the reported information. 
I hereby request that you promptly conduct a thorough investigation into these matters and correct the inaccuracies on my credit report in accordance with the FCRA. Your failure to act promptly XXXX result in legal action, including arbitration, to protect my rights under the FCRA and other applicable laws. 
Kindly send me a written response within 30 days from the receipt of this letter, detailing the actions taken to correct the inaccuracies and remove the fraudulent accounts. Furthermore, I request that you provide a free updated credit report after the corrections have been made. 
Please direct all communications related to this matter to the address and email provided above. 
Thank you for your attention to this serious matter. I expect your prompt response and resolution. 
Sincerely, XXXX XXXX Enclosures : 1. Exhibit 1 2. Exhibit 2 3. FTC Identity Theft Report
Product: Credit card or prepaid card

I had a American Express Card with a Credit limit of {$10000.00}. I had an excellent history with them, never missed a payment. Although I have not used their card not as much as I use my other card because of their high interest rate but it was helping me in a great deals to maintain my low ratio of my overall credit use. Instead of luring me use their card they have unfairly closed the account and this will tremendously effect credit use ratio. I this case I want Amex to reopen my account with same status before closing,
Product: Credit reporting, credit repair services, or other personal consumer reports

I made what I believed to be a final payment on an Ashley Advantage credit card issued by Synchrony Bank for a purchase made at Ashley Furniture. The payment was made on XX/XX/2020. I received no response, but assuming that because the account was paid off it wasn't unusual to not hear from the company. 

On XX/XX/2020, I received a letter stating that there was an overdue balance of {$12.00}. I immediately paid it. Even though I believed it had been paid off, I didn't want to risk a negative credit report for {$12.00}. Unfortunately, it was reported and shows up as a negative on my report. This negative is affecting my credit rating. 

The account number is ( was ) XXXX
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report even after your investigation. I would like this item to be immediately reinvestigated. The inaccuracies are highly injurious to my credit report. In accordance with the Fair Credit reporting act. XXXX XXXXXXXX. Please provide the names and business addresses of each individual with whom you verified this account with. So that I XXXX follow up. Please send an updated report after your REinvestigation. 

Account in question XXXX XXXX XXXX
Product: Credit card or prepaid card

Facts : 1. In XX/XX/XXXX, I was displaced from my Chicago home because of COVIDs global pandemic. 
2. As a result, I was not receiving statements therefore, I was not able to keep an eye on the details of the statement. 
3. Three purchases were made under my account. 
a. Exhibit A i. XX/XX/XXXX two queens for {$980.00} 1. 12-month promotional purchase b. Exhibit B i. XXXX King size mattress for {$1000.00} 1. 6-months promotional purchase ( amount financed XXXX ) 2. This purchase was returned to the store for a defective item. 
c. Exhibit B i. XXXX- New King size mattress for {$1800.00} + Tax - 1. 18- month promotional purchase ( amount financed XXXX ) 2. This purchase was not correctly calculated as it kept the balance for the return on six months promotional and applied this amount to the new purchase. This is incorrect. 
4. Exhibit C The disproportionate impact on me from Covids Global Pandemic created hardship to minorities and a negative financial situation. There are clear and improper accounting errors made with the returned purchase which created the issue where more funds were applied towards a shorter expiration on the promotional offer and less towards the longer one. I wish the email would have read Promotional expiring shortly. But it does not! 
5. Exhibit D Since the payment was being made automatically, it continued to accrued interest and literally taking my limited funds during this very unfortunate time, due to Covid, on minorities as myself.

6. Exhibit E I caught the issue when I added an account and received the new bill at my new address. I uncovered this issue and called to ask for a full return of my disproportionate impact this is having on me as a XXXX 
7. Exhibit F I politely request a full refund as it could be viewed as a predatory lending practice to charge {$440.00} on a {$200.00} balance. 

XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX