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

-My Wells Fargo ( " WF '' ) auto loan detail on my XXXX  credit report has not been updated since XX/XX/2020 ( see " Exhibit A '' ). For example, the date of last payment shows as " XX/XX/2020 ''. 
- I have had to file multiple disputes ( see " Exhibit B '' ) with XXXX   over the past few months in-order to get the details to correctly be reflected on said credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the XXXX  breach. Years ago, someone fraudulently opened an amazon account in my name and used it. I even hired an attorney and spend hundreds of dollars to attempt to help me with thism and disputed the info several times, but they haven't done anything about it. 

This is FRAUD and has impacted my life for years. I've had countless other accounts that I've always had perfect payment history with, so why would I just open one account and never pay it? It makes 0 sense. 

I have a suspicion my son 's ex girlfriend opened it, but unfortunately I obviously can't prove that. 

XXXX  also has done nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is stating I have " COLLECTIONS '' that is effecting my credit score and I have not collections in the " collections sections '' Please see attachments with dates. Please correct the error.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : # XXXX, Account name : # XXXX, Account name : #, Account name : # XXXX, Account name : # 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 inaccurate.
Product: Money transfer, virtual currency, or money service

I opened a business account ( using company email XXXX ) in XX/XX/XXXX in order to allow customers to pay for carrier services quickly since we are a small business and can not afford a XXXX net terms. Recently I was asked for more information about our business and to verify my identity. We had already processed 10 invoices and received those payments. All information was submitted including my Drivers License, Self Picture. On XX/XX/XXXX I was notified that my account was deactivated without explanation and funds held by Square until XX/XX/XXXX. I called and was advised that i could refund funds and make other arrangements with my customer because the Square decision was final. 
It has now been seven days since I have attempted to refund my client the funds. They haven't received the funds. This appears to be a consistent compliant since 100s of complaints with the same issues has been posted with the XXXX I agree with another complaint that this is a systemic and deliberate practice to achieve an interest free loan or maybe even steal funds from customers. I would like proof that my personal information has been destroyed and immediate release of my {$1300.00}.
Product: Debt collection

XXXX, Equifax, XXXX, FRAUD Departments I receive documents that XXXX  sent to me stating that these documents show that the account is mine they are not my signature and they are not original contracts with my signature And why is my wife 's alleged signature is on documents this is seems to be made up
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit card or prepaid card

I WAS PROVIDED WITH A XXXX  GIFT CARD FOR {$100.00}. TO MY KNOWLEDGE THE FUNDS ON A GIFT CARD CAN NOT EXPIRE. I HAVE CALLED XXXX  7 WEEKS IN A ROW. I CONTINUE TO BE TOLD, CALL BACK IN A WEEK AND WE WILL PUT A REQUEST IN FOR THE FUNDS TO BE REIMBURST. MY FRUSTRATION LEVEL IS 10 OUT OF 10 WITH XXXX. IS THERE ANYTHING ELSE I CAN DO OTHER THAN CONTINUING MY WEEKLY CALLS TO XXXX  AND HOPE WITHIN THE NEXT 10 YEARS THEY GIVE ME BACK THE MONEY OWED. 

THANK YOU XXXX
Product: Credit card or prepaid card

I got scammed by a work at home Company, used my Credit card for work expenses only To find out it wasnt a real company
Product: Payday loan, title loan, or personal loan

letter was sent, no response. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the debt ( the audit trail according to GAAP ) ; 2.  Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act, and Pennsylvania State Statues for Lawful Purposes. 
3. A copy of the contract signed by both parties and therefore binding both parties. 
4 .Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. 
5. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under The Money Laundering Regulations 2007 and what actions s/he has taken in relation to this account. 

Furthermore I am the consumer in fact, natural person, original creditor, I the consumer that participated in a credit transaction ; ( Title 15 1602 The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. )
Product: Debt collection

Hello, I received a call notifying me they were attempting to collect a debt. I told them to not call me and to send something to me in writing. I have yet to receive anything in the mail, but have seen where they are going and reporting this to the credit on a monthly basis. This is unacceptable.
Product: Bank account or service

On XXXX/XXXX/16 I Deposited XXXX Checks totaling {$14000.00} with my Account with Bank of America. My Deposit Slip says {$4800.00} would be available to me on Friday XXXX/XXXX/16 after XXXX. These Checks were from XXXX XXXX XXXX. My Deposit slip says {$9900.00} would be available on XXXX/XXXX/16 after XXXX. I knew I had money available according to my Deposit Slip, so I mailed off XXXX Checks. Checks # XXXX for {$360.00} ... .and # XXXX for {$1800.00} I have online Banking ... .on XXXX/XXXX/16 I was charged {$35.00} for each check as NSF, even though Bank of America ... .had the money, just has n't Deposited it in my Account. On XXXX/XXXX/16 Bank of America said they RETURNED the XXXX Checks. They did not. On XXXX/XXXX/16 Bank of America Cleared the XXXX Checks. They just wanted the {$70.00} in FEES. I went to my Local Branch in XXXX XXXX to NO AVAIL. Nothing they could do they said. 
Any HELP in this matter would be very much APPRECIATED. This Bank of America Lacks Integrity!!!!!
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. 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

This loan was made under the Puerto Rico law # 124 10 DEC 1993XXXX 
The low interest condition was agreed under the condition that we have to live in the house for 6 years to avoid any penalties or change on interest rates, the interest rate was around 4 % ; they increased to more than 7 %. 
The closing date for the loan was XXXX XX/XX/XXXX. 
I move to Florida XXXX XX/XX/XXXX. I am submitting all the paperwork that prove that I live more than the time they required ( sorry some documents are in XXXX ). 
There ' ; s the house closing documents, my XXXX that shows when I started in my job at XXXX XXXX XXXX XXXX XXXX. 
Title study that shows that the agreement was 6 years. 
They being charging higher inerest and making more money out of that loan illegally. 
I provided all documentation and they refuse to fixthe issue. 
As a Veteran and a XXXX that serve this country I ask for help, thank you.
Product: Credit reporting or other personal consumer reports

I noticed a collection account on my credit report and the information is clearly fake. The date listed as last active is XX/XX/year> BUT the date the alleged account was opened is XX/XX/year>. This is IMPOSSIBLE, I can't go back in time to open an account.
Product: Mortgage

CFPB is closed when I called and I ca n't log into my account to view and respond to my previous complaints about the mortgage servicing company I have now, so I have to open a new complaint. 
I received a response to my complaint by mail from Select Portfolio Servicing, that I have been going back and forth with for months, trying to get my loan modified. I questioned the amount of fees from " inspections '' that were supposedly done of my house and how many times they " allegedly '' came to inspect my house. They responded how these " inspection '' fees work but my issue is I do n't believe anyone was here and as many times as they charged me. There has never been any communication between us about someone coming to inspect the property. Am I supposed to take their word that someone was here and so many times? I think not. The customer service rep said it was to make sure the property was occupied. The property being occupied by us was never an issue as our address was confirmed many times. 
In the response from the company I received via mail they addressed another part of the complaint about my setting up a few monthly payments to show good faith and them returning them. The Select Portfolio rep took the payments with no issues or comments. The response states the reason they returned the payments is that our loan was in " foreclosure status. '' SINCE WHEN?? We 've NEVER received information that we were in foreclosure status. EACH WEEK we received several mailings from Select Portfolio stating how we can make payments and that they 've received our request for assistance but still needed the tax documents, which we could n't provide at the time so we asked for other " help '' options. Select Portfolio states that there is several options available but no one could provide any other option to us. We finally were able to send the documents needed, last week and received the confirmation that all documents were received and now we wait for a decision of what type of help is available. We do not feel confident of the outcome for any help from this company, especially after reading the other complaints on the CFPB website about them. All we have been asking for is the past due amount put to the end of the loan and the account brought current. We have made financial plans to never fall behind again but we ca n't seem to get anywhere with Select Portfolio. I 'm hoping that the CFPB is monitoring this company as we have never had this much difficulty getting help with the house we have lived in for XXXX years, raising our children and building our life. Difficult times happened that were out of our control and we 're just asking for a little assistance! Believe me we wish we never refinanced in XX/XX/XXXX. Plus, our mortgage has been " sold '' several times in the last XXXX years. Just unacceptable and ridiculous. We do n't feel we will ever get this house paid off at this rate. Someone has to help the multitude of people struggling in this country and it 's failing economy. PLEASE
Product: Credit reporting or other personal consumer reports

I am filing this CFPB Complaint to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. 

These fraudulent accounts include : 1. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
2. A personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
3. A personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). 
4.A personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). 
5.A personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ). 
6.. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am super frustrated with XXXX, XXXX XXXX XXXX XXXX ID XXXX Acct number # XXXX, XXXX I am young single female and purchased my first home through XXXX XXXX who then transferred to XXXX. I purchased with a Conventional loan and XXXX offered thru a State of Texas program. This XXXX   was supposed to be a silent second. However, XXXX reports it on my credit report : ID HOUSING AGENCY Last reported XX/XX/2020 {$6700.00} Reported balance Highest balance {$6700.00} You've paid off 0 % of this loan It looks like a " Personal Loan '' and worse I never make payments. It isn't even due until 30 years is up or if I pay it off when I sell. 
The credit bureaus all have said this is bring my scores down below 700! My brother purchased down the street from me on the identical program and his credit report does NOT reflect this silent second. I am powerless to fight these giant companies that control our lives, I appreciate your help.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft .Transunion and XXXX are still reporting these fraudulent/ inaccurate accounts on my credit report while XXXX has already removed them, how is that possible this needs to be removed immediately based on 15 USC 1681a ( 1 ) of the FCRA. 

First fraudulent account that is still reporting on transunion and XXXX ( XXXX XXXX ) Second fraudulent account that XXXX is the only bureau that is reporting, how is that possible? XXXX has even removed then re-added this account, isn't that illegal based upon the FCRA? ( XXXX XXXX XXXX )
Product: Prepaid card

Someone tried to steal my gift card and I need to prove my identity by sending these documents to the email address they provided me with so I did that multiple multiple times with no resolve of the issue they have not returned an email or have I heard anything from them The only time I'm able to get any kind of information is when I call the number on the back of the cards and they keep giving me the runaround I have not heard anything back on this issue I would like this result as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 hard inquiries I have already disputed more than once with XXXX  in writing for Syncb/PayPal that I never authorized on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly to Syncb/PayPal and asked for evidence otherwise to submit request to delete to the bureaus immediately. I have this same inquiry for XXXX  on XX/XX/XXXX and have also disputed more than once directly to them. 

I have XXXX  hard inquiries reporting to XXXX  that I also never authorized from XXXX on XX/XX/XXXX and XX/XX/XXXX. I have also disputed directly more than once and with XXXX and yet they have not provided evidence because they dont have any and they have not removed the inquiries from my report which is hurting my credit rating. 

This has been a lengthy process of disputing and waiting for responses that has ridiculously taken about 6 months! I know I have a right to either see proof of credit extension or the inquiries must be removed. I also have a Identitytheft.gov formal submission including these inquiries. FTC Report XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

BMO Harris is providing its customers an interest rate lower that what they advertise in their marketing. 


I opened a savings account on XX/XX/2023 with BMO Harris that advertised an interest rate of 4.20 %. 

https : //www.bmoharris.com/main/personal/onlinesavingsaccount/? XXXX Once the account was opened on XX/XX/2023 I was informed via my account profile on BMO Harris ' website that the interest rate is 4.114 %. 

Following the instructions in the Product Disclosure I called BMO Harris at XXXX to learn the current interest rates for the account on XX/XX/2023. The employee on the phone confirmed that the advertised interest rate was 4.20 % and that the interest rate on my account is 4.114 %. 

They were unable to provide additional details about the current interest rates or clarify any additional terms or conditions of the current interest rate. 

https : //www.bmoharris.com/pdf/disclosures/BMO_Harris_Online_Savings_reg_dd.pdf
Product: Credit card

I had moved and have not been getting any bills, however my phone number is on file, because I 've order items prior, and subsequent to moving for in-store pickup, and I 've received text messages from the company for confirmation. I have been reaching out to Macys via phone and email to pay a store bill for months.It is obvious that they have changed how they conduct business, because it is quite difficult to speak with their representative. I have been left on hold for lengthy periods of time, had the phone hung up because they claim they can not hear me ( bad connection is on their part, because I 've called from different lines ), I 've had a " supervisor '' abandoned my call, by telling me to hold, then placing me back to their automated system.I have left messages for supervisors to call me, to date no one has given me a call.All I 'd gotten is an automated response after emailing them, informing me that someone will contact me, no one has.They have reported my name to the credit bureau, that has caused my credit score to decline.This is quite unfair, because I have been reaching out to Macy to get the bill settled before it escalated to that. I 've called numerous times, and I 'm always being given conflicting info regrading my account balance. I 've been told I owe various charges, and that I have XXXX late payment fees ; which could not be the case, because the bill is not owed for 6 months.When I ask to speak to supervisors, I 'm being transferred to regular agents who can not assist me.I need for all late fees and interest rates to be taken off my account, so that I can pay the initial balance of {$72.00}, and to have my name removed from the credit bureau.I have asked for an address to dispute these charges, and was told that they do not have any address, so I would like your assistance in how I should proceed in getting this resolved.
Product: Credit card or prepaid card

We ordered some hand-painted tiles when on vacation in XXXX in XXXX this year. We paid {$650.00} on XX/XX/XXXX using my Chase Sapphire Reserve card. The assistant took down our XXXX address for delivery and added it to the invoice. We paid the full amount that we presumed included delivery as there was no mention of a separate charge. We were promised delivery by the end of XXXX. We heard nothing from the merchant, despite several chasing emails which went unanswered, until we received an email from a delivery company on XX/XX/XXXX asking us to pay XXXX Euros for delivery. As they were a month late and we were faced with a totally unexpected delivery charge, we opened a dispute on Chase 's website asking for a refund on XX/XX/XXXX. Chase have twice refused to honor our claim and say the the charge has been validated, despite our providing evidence ( attached ) that the merchant 's justification was inaccurate, particularly when he said that we had chosen and instructed the delivery company. Chase used this as their reason for not upholding our claim. We then sent a copy of the email which made quite clear that the merchant had instructed the carrier ( we had never even heard of them much less instructed them ). They have still refused to honour our claim. 6 months on, we are {$650.00} out of pocket and have no tiles. we do n't even know where they are. Chase have not answered the points we made in our submission and have represented us very badly in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion previously to dispute an inaccurate address on my credit report. 
My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Transunion is reporting an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have never resided at this location and believe the apt number were just transposed.