23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I suffered a total loss on my primary residence due to Hurricane Ian. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. Currently, rocket mortgage is threatening to put my house in foreclosure WITHOUT NOTICE ... .the home that I can not live in. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car l. I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of God and the lack of regulation by the government.
Product: Debt collection

Cred X Debt Recovery is the collection company that I have been dealing with to pay off a payday loan from XXXX. I have been speaking with a representative named XXXX XXXX at extension XXXX. XXXX called me once at work and I asked him that day to not call me at work period that my work does not allow it and I ca n't discuss this inside the office that I work at period. I called XXXX XXXX XXXX today because I had an arrangement to make my last payment. I was asking for an extension and the supervisor XXXX that I spoke with told me that I basically lying about not being able to pay the debt and that he thought I just wanted to have a good weekend. He did not disclose to me that call was being recorded and did n't disclose the mini Miranda to me until the end of the call. They still tried to take a payment out of my account and XXXX XXXX at extension XXXX called my work phone to tell me the payment declined. I told him that I have already told him I could not get calls at work. He said that he forgot because it 's been a while since we have spoke on the phone. I asked him if they noted their account and he said yeah but he just forgot. so not only was I accused of lying about not having the money but I also received a call at work after specifically telling XXXX XXXX that I could not get calls.
Product: Debt collection

I have a new collection from debt collection agency XXXX XXXX XXXXn the amount of {$1700.00} from original creditor XXXX XXXX which owns the Avant credit card. 
I did have this credit card back in XXXX. The initial credit line was {$500.00} and I have had issues with fraudulent charges. I am enclosing the one that was investigated through the Avant and XXXXXXXX XXXX fraud department and deemed as fraud. 
I also have been a victim of identity theft which has been made aware to this company, XXXX XXXX as well as others I have submitted claims for. 
Once that initial fraud came back in 2022, I immediately closed the account and paid down the balance which at the time was less than {$200.00}. 
Now, years later in the midst of my identity theft crime, this account has been sent to collections with a {$1700.00} balance. 
I did not authorize any more use of that account, and once it was closed it was obtained fraudulently. 
I am not responsible for this and am asking for XXXX XXXX and the original creditor XXXX XXXX to recognize this and immediately cease collections attempts and reporting on my credit file.
Product: Credit reporting

I have asked Experian to delete wrong personal information from my report, and they have fail to do what I have requested to do.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report in XXXX XXXX XXXX. I noticed many fraudulent and inaccurate credit inquires on my credit reports that I did not authorize at any time or date. Inquiry number one : Company name : XXXX XXXX XXXX Inquiry Date : XXXX. Inquiry number two : Company name : BK OF AMER Inquiry Date : XXXX Inquiry XXXX : XXXX XXXXXXXX XXXX INQUIRY DATE : XXXX. I have contacted all companies by mail on XXXX but I have yet to receive a response. I would like all inquires removed within four business days as they are not accurate.
Product: Credit card or prepaid card

On or about XX/XX/XXXX I contacted XXXX  Credit Card ( a division of XXXXXXXX XXXX ) to update my address after receiving an E-mail promotion offering me another credit card ( since I had one already ). 

The promotions department told me I had to speak to Customer Service about my address before they could honor the promotion. I was told by Customer Service they do not do business in the State of XXXX and the promotional offer was rescinded ( and that is OK ). They told me they could not update my address from previous address in XXXX to my new address in XXXX since they do not conduct business in XXXX. 

Today, XX/XX/XXXX, I received a text from them telling me I am delinquent on a payment ( due yesterday ) and to call their office. I made the payment and addressed the address issue again. I was told the following. 

1. Can not update your address since we do not conduct business in XXXX. 
2. Can not generate you an electronic statement since we do not do business in XXXX. I mentioned the promotional offer and they said that was when I was living in XXXX  ( which is true ) but my E-mail address has not changed when I moved. 
3. Only suggestion they gave was find someone in XXXX to receive my mail for me. 

I am not denying I owe them money, I am not denying them payment. I have issue with I can not get a statement from them. I can not imagine I'm the only person in XXXX that has this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my most recent credit report. There is a card that is being reported as an authorized user that is not my account. I request that this account be removed from my credit report. The account is XXXX BANK XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 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 an account without my written instructions.
Product: Credit card or prepaid card

Capital One is engaging in unfair business practices by charging additional interest on their credit cards after the account balance has been paid in full utilizing their mobile app. for the purpose generating additional revenue for their company. Capital One Directs all of their customers to utilize their mobile app and is marketed as the preferred method for handling all things associated with your account. When utilizing the payment screen in their mobile app you only have the following options Last statement balance, current balance, minimum payment, and other. There is no payoff amount option shown. Nor is there any information when making the account balance payoff you will be charged additional interest from the previous month 's balance despite paying off in full the account balance shown in the app. The purpose of the app is to show the status of your account in real time. 

On XX/XX/2021 my husband and I each paid off the account balance shown for our separate capital one credit cards, in his case {$3.00}, XXXX and my account balance $ {$1400.00} ahead of XX/XX/XXXX due date. We received in mail notification today stating there was a remaining balance due on both accounts. His balance was XXXX and mine XXXX which was added 14 days after or payoff payment. When we contacted the company and spoke with the supervisor XXXX she informed us the additional amounts were based upon the previous month 's balance and the interest accrued on that. She stated the only way to for a consumer to find out there true account balance was to utilize the payoff estimator, which isn't available to consumers in the mobile app but on the statements or company website. It is our belief Capital One is engaging in fraudulent business practices by not providing its customers with the actual amount owed on account or the actual payoff amount needed to pay their account balance in full should a consumer choose to do so. XXXX remarked it is a consumer 's choice to pay off their balance in full not a requirement. We believe Capital One is purposefully doing this to generate additional revenue at their customer 's expense. This practice is resulting in millions of dollars in extra revenue for Capital One. Any attempts to get the interest waived, are met the standard response they are unable to do so because of the type of card you are issued.
Product: Credit reporting

My name is XXXX XXXX XXXX, up until XX/XX/XXXX my XXXX credit reports where reflecting XXXX. I have been gone since XX/XX/XXXX thru XX/XX/XXXX, somhow transunion has let a creditor change to XXXX, I have submitted proof of my name to transunion. Drivers license, social security card, utility bills and divorce decree stating I get my maiden name back. As a creditor I feel I have rights that is not the case with transunion they told me that the creditor has to electronically file my name but they will not tell me who reported the XXXX name, but I have not had credit in that name since XX/XX/XXXX and transunion is in XXXX. I feel that consumers should have rights
Product: Debt or credit management

Purchase phones lines with the XXXX XXXX that they will pay off, old account. 
They fail to paid, now its been reported to my credit with years of damage. 
Please help! 

XXXX XXXX Tel XXXX
Product: Credit reporting or other personal consumer reports

Hello, I just went through my consumer report and found some inquiries that I never authorized. It looks like the financial institutions listed below accessed my report without my permission, which isn't allowed under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, there are specific rules for when someone can pull my report, and this clearly doesn't meet those standards. This also violates the FCRA, [ 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ) ].

I also spoke with a representative from transition to help me dispute these items on XX/XX/XXXX. I was told that my hard inquiries will be removed and I should hear back from someone within 5 business days and if I do not received communication on the further investigation to make sure I call back to check on the updated deleted disputed inquiries that should be completed by then. 

Unauthorized hard inquiries : XXXX ( XXXX  ) - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - XX/XX/XXXX XXXX ( XXXX  ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX  ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX  ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX ) - XX/XX/XXXX XXXX ( XXXX  ) - XX/XX/XXXX According to 15 USC 1681b ( c ), consumer reporting agencies aren't allowed to share records of inquiries that aren't initiated by me, and this situation definitely falls under that.

Also, the CRA makes it clear that anyone who pulls information on a consumer under false pretenses can face serious legal consequences, including fines or even imprisonment ( 15 U.S.C.

1681n ( a ) ).

Please take action and remove these inquiries from my report immediately.

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Commonwealth has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ).

3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 

XXXX XXXXXXXX ...., XXXX XXXX XXXX  XXXX ...., XXXX XXXX XXXX XXXXXXXX ....
Product: Credit card or prepaid card

I ordered a Vanilla VISA Gift card to the value of {$100.00} ( {$3.00} purchase fee ) on XX/XX/2021 which was sent to the recipient by email. 

On XX/XX/XXXX the recipient tried to use the card for a purchase and it did not work. He contacted Vanilla Customer Service and he was told that the purchaser had to contact them directly to check the status and issue on his behalf. 

On XX/XX/XXXX I called Vanilla Customer Service, who could not resolve from their end. The directions given were : If the link is not working, clear your browser history and make sure your device is not connected to any VPN connections. The link should contain all the details he needs to enter for a transaction. If he does this and it still doesnt work, he should be able to call customer service ( ask for XXXX he is the supervisor I spoke to ) and indicate that he has tried the link under the above conditions but it still doesnt work. 

On XX/XX/XXXX the recipient tried the directions provided and it still did not work. He also tried a different device and browser. So he contacted Vanilla Customer Service again and they couldn't resolve the issue. After spending an additional half an hour on the call with them they were are not able to resolve the problem. In the end, he was told to come back to the purchaser whom he was told was only party that is eligible to work on the order. 

On XX/XX/XXXX I called Vanilla Customer Service for the second time- they could not resolve the issue, so I asked them to cancel the card and refund the purchase amount. They provided me the Reimbursement/cancellation order # and said someone from that team would get back to me within 2 working days. 

On XXXX XXXX, I still had had no contact from Vanilla Customer Service, so I called them. I went through the first line who told me that the cancellation reimbursement had not been approved and that the card was active.I went to their second-line supervisor, who told me the same. I have asked them to escalate it again, as it's clear that they sold something that did not work and that their customer service was not equipped to resolve the issue. I do not want to have to go through their call center again. 

The customer support there is clearly unempowered and can not resolve issues. It's been a frustrating process for both the recipient and for me to have to call a disempowered service center on multiple occasions who are unable to resolve issues, the end result still being a gift card the recipient can not make a purchase with. 

I have since looked at review sites and I'm clearly not alone in the issues being experienced : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; 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 ( Original Creditor Name XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance {$1100.00} ; XXXXXXXX XXXX XXXX XXXX  Balance : {$50.00} XXXX
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 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: Mortgage

I submitted a dated written statement that described the emergency, specifically modified the waiting period from three days to two hours with my signature as the sole primary liable on the legal obligation in accordance with 12 CFR 1026.19 ( f ) ( 1 ) ( iv ) " Consumer 's waiver of waiting period before consummation '' to Navy Federal Credit Union regarding mortgage loan XXXX. Navy Federal Credit Union refused to recognize my legal right to modify the waiting period resulting in the fruition of the emergency I was trying to avoid. Their refusal to acknowledge my consumer right directly resulted in a bona fide personal financial emergency coming to fruition.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVEFROM REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY. 

15 U.S. Code 1681b : violation furnishing reports in connection with credit transactions not initiated by the consumerXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE FROM MY REPORT IMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2019, I logged onto my Experian account to find that there was information from another individual on my account. I disputed some of the items immediately. However, many of them I was unable to do so online. I contacted Experian and was transferred to ( 4 ) different people. The first person coerced me into stating that I thought I was a victim of fraud, when I was not sure what was going on. The last person had me put information onto my account that I really did not want on my account. 
I was finally told by one of the specialists that my account was merged with someone elses. I questioned how something like this happens, and the response was that the creditors reporting to the agencies gave the wrong information. I am sorry but I do not believe that is what happened. I have never had this in the past. I check my report several times a week. 
I reached out to this person that my information was merged with so that she could check her credit report. At first, she was skeptical, as she should be when someone she does not know reaches out about credit information. However, after speaking she realized that I was on the level. Now one of my accounts is on her credit report and I must jump through hoops to have it removed from her report. I also had to reach out to Experian again on XX/XX/2019, to have two address that belonged to the other person removed as they did not remove them the other day. While I was on with them, I had them remove the other information that I did not want on my account. However, they will not remove the Personal Statement Fraud Alert unless I upload documents and I tried three times and it does not work, so now I have to mail it to their Texas address and hope that it gets taken care of in a timely manner. 
I checked my XXXX and XXXX accounts and neither of them had any information that was incorrect. I pay {$26.00} a month to Experian for credit monitoring and they make a huge mistake and merge my report with someone elses. That is totally unacceptable. One would think being hacked would make them a little more cautious with pertinent information.
Product: Debt collection

Debt collectors denied any following information regarding the collection because I would not tolerate him being disrespectful and hung up the phone and threatened not to respond on the debts that were wrongfully placed on my credit. I have asked several times for the debt to be verified but it has not. This needs to be removed from my credit the company has declined communication with me regarding the issue. Therefore leaving me with a unspoken threat of this being left on my credit due to their non response.