23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I bought a new car from XXXX XXXX dealer back on XX/XX/XXXX of last year. At the time I was pushed to sign the contracts by their finance manager, XXXX XXXX. Last month the car was totaled and Im not at fault accident and when the insurance company went to pay off my loan I found out that they only gave me {$1000.00} for my trade-in instead of {$11000.00}. I have tried to contact the dealership and work it out they Are non-cooperative. They said it was my fault. I signed the contract. I dont want to accept the payment for the accident because if I do, I have no recourse Im going back to try to get the correct trade-in value of the car that I turned in a XXXX XXXX XXXX that was worth {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper reporting. Reporting a collections account XXXX XXXX that is not accurate and I never consent to furnish or create report. 

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

I have contacted Equifax and XXXX  multiple times since XX/XX/2019. I have opened disputes and they have not correctly resolved the issue and my credit score is negatively affected. My XXXX Credit account is listed as post due for the month of XX/XX/2019. XXXX refunded late fees and interest to my account so that the balance was {$0.00}. Equifax and XXXX  will not change the status from Past Due to current even though I have provided statements showing the refunded fees. XXXX said the account is up to date in their system and not past due for XX/XX/2019. Their recommendation was to dispute with the agencies which I have done multiple times. I dont understand why XXXX updated the report and the others refuse. My credit score dropped significantly because of this. So much so I was advised against putting an offer on a house until it was resolved and now the house is no longer on the market!
Product: Payday loan, title loan, or personal loan

I have called regional finance several times and asked for covid 19 assistance,, they have informed me they could help, that was back in XXXX or XXXX but the lady told me since my payment was not due to wait tile the amount was due and then ask for a deferrement, I did, After I asked for the deferral I was furloughed. I have been out of work and I have told regional finance that I have been furloughed. The company keeps calling me and harrassing me asking for payments knowing that I requested assistance becuase of covid 19. I have called their corporate office and she informed me that they could renew the account but could not deferr the payment since they have no covid 19 assistance program and there can only be one deferral at a time. I humbly request that someone help me. I have talked to the manager and the ladies at the regional finance location and all they seem to care about is when I am going to make my payment. I am so streessed out right now it does not help with someone like me with a XXXX.
Product: Debt collection

I file a dispute with this company XX/XX/ LAW OFFICES MBA for {$1200.00}, because i didn't do this it was fraud and they denied my dispute saying that it was me i explained to them it wasn't and that i was just going through my report and there is multiple things including address that i never even lived at on my report.
Product: Credit card or prepaid card

We received a XXXX XXXX gift card on XX/XX/XXXX as a anniversary gift from my mother in law, with {$100.00} loaded on. We did not open the gift card packaging until XX/XX/XXXX when we attempted to use it at XXXX. We were told there was only {$25.00} on it. I looked it up online and see that someone made unauthorized purchases on XX/XX/XXXX in the amount of {$75.00} at Be Renewed Massage. We have never been to this business and don't know where it's located. I attempted to resolve this with XXXX but their process says a dispute must be started within 60 days of a transaction. They also say they won't return the money unless they recover it, even though the transactions occurred from a fully packaged card so likely had to be an " inside job ''. Please assist me in recovering my {$75.00} that was stolen from me.
Product: Mortgage

on XX/XX/XXXX, XXXX XXXX XXXX sold my mortgage loan to BSI financial. On XX/XX/XXXX XXXX had deducted mortgage payment from my checking account for the month of XXXX, XXXX. I was aware of the transfer but I could not create an online account as I had no account number at hand and their phone service ask for account number to get to a customer service desk. 

XXXX weeks later, I get a letter from BSI that I have not made payment for XXXX. I contacted chase via secure messaging about the issue and proof of payment. XXXX representative told me to have BSI contact chase and they will correct the issue. 

Now, I have contacted BSI XXXX or more times via email, phone, messaging services. I get no replies to emails and messages. The representatives on the phone tell me they will call me back after investigation and I hear nothing back. 

I am approaching the end of 60 day grace period, the time we are allowed to correct any issues. I have never been late on a single payment ever. My XXXXredit score is over XXXX and from the reviews I have read about BSI, I know my credit score is going to take a hit. This issue has caused me mental distress and sleepless nights. I don't know what to do at this point. 

I will greatly appreciate your assistance Thank you, XXXX XXXX
Product: Checking or savings account

on XX/XX/ 2021 my online balance was XXXX transactions posted after that balance, on the XXXX, totaled XXXX, leaving a balance of XXXX. Also on the XXXX, they charged me XXXX overdraft fee which left my positive balance on XX/XX/XXXX with XXXX ... after the XXXX overdraft fee. There are 3 items pending and I made a transfer to more than cover those amounts. When I contacted the bank I was informed that one of the pending transactions, the very last one, triggered the overdraft fees and they would refund me ONE ( 1 ) fee! Their overdraft fee is XXXX dollars. This is a checking account and I have not signed up for overdraft protection. The Bank is BB & T, now Truist, at XXXX XXXX XXXX XXXX, XXXX FL XXXX.
Product: Mortgage

I was never notified that my loan was transferred to Caliber Home Loans. I reached out to Caliber and was provided with a Welcome Packet in XXXX 2015. At that point I proceeded with sending in documentation to be reviewed for a loan modification. I was never given a number for HUD nor was I ever notified of a Trustee sale for this Monday, XXXX XXXX, 2015 XXXX until just last week. I know that I am supposed to be notified within 22 days of the sale and I was in fact not until just last week. I have not yet been denied for the modification but yet they are not informing me whether or not they will be postponing the foreclosure sale. I am now being forced to seek alternative options to save my house.
Product: Debt collection

City calls me at least three times daily every day of the week attempting to contact me as well as sending text alerts
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit on XX/XX/2022 using lending tree. Despite having a XXXX credit score, I was denied based on inaccurate information on my credit report. 

I was told there is a credit hold, despite this not being true. I feel this was used an excuse and in reality I was denied because of my age. 

XXXX by XXXX XXXX listed XXXX as a credit report source, however when speaking to a rep, she told me XXXX by XXXX XXXX does not use human, they use an AI Algorithm. The rep then said they use SageStream LLC. However this was not disclosed XXXX Fair Credit Reporting Act After speaking to XXXX, they verified no such credit freeze exists. I think I was denied illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian today because this account its showing wrong informacion, I need this account tho be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

My personal information was sold without my authorization, resulting I in the improper reporting of debts by XXXX XXXX XXXX and XXXX XXXX XXXX. Despite my repeated attempts to obtain proper validation of the debts in question from XXXX XXXX XXXX, I have informed them multiple times of their violations of the law, including their failure to provide essential documentation such as proof of my agreement to the debts, evidence of their ownership of the debts when originally in collections, and proper licensing to collect debt in my state, as required under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX  XXXX Balance : {$21000.00}
Product: Checking or savings account

My checking account was frozen on XXXXXXXX XXXX XXXX. I bank with credit Karma and there is {$1100.00}. I have spent hours on the phone and emailing and cant not get an answer as to why it was frozen or a timeline as to when it will be available. I have no access to my money to but groceries and everyday necessities to survive. I have children and no way to buy food. I keep getting the same generic email saying they understand and they are sorry but nothing is being done to correct the problem.
Product: Debt collection

I am writing to dispute inaccurate information on my credit report related to the Nordstrom credit card account. The details of the inaccuracies are as follows : Account Name : XXXX ( Issued by TD Bank ) Account Number : XXXX, XXXX Specific Inaccuracy : The Date of Last Activity is incorrectly listed as XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX but XXXX has confirmed that the account was charged off in XX/XX/XXXX. 
I have attached supporting documentation, including : A copy of Nordstroms response confirming the account details. 
Relevant billing statements showing the timeline of account activity. 
A copy of the credit report entry showing the inaccurate information. 
Under the Fair Credit Reporting Act ( FCRA ), I request that this error be investigated and corrected promptly. Please provide me with the results of your investigation in writing. 

Thank you for your prompt attention to this matter. 
Sincerely,
Product: Credit card or prepaid card

XX/XX/2018 Capital One, Quicksilver Rewards I have written to Capital One to stop sending me their details about Capital One Quicksilver. I DID NOT ASK THEM TO SEND ME ANYTHING, I DID NOT CONTACT THEM.

I've called XXXX to no avail. I have told them this is how fraud starts - with someone else getting their hands on these mailings and opening an unauthorized account in my name. THEY DO NOT CARE! They have sent me one letter for the last six months. They claim they can't stop them from coming! That is a lie!!!!

I want this to stop! I did not contact them, I do not want their card, I do not want potential fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

In XX/XX/year>, I discovered that Transworld Systems ( TSI ) had been sending emails claiming I owe a debt related to a XXXX XXXX account. These emails were found in my XXXX folder, and it appears that some XXXX have been accidentally deleted, as communications were sent weekly throughout XXXX. 

I have never heard of XXXX XXXX, and upon researching, I found that it was an electric company that went out of business in Texas following the winter storm a few years ago. Over the past XXXX years, I have only had accounts with XXXX service providers, neither of which is XXXX XXXX, and I do not have any outstanding balances with them. 

In XXXX, I attempted to contact TSI using the phone number provided in the emails but was unable to reach a live person. I created an account with TSI and immediately requested verification of the debt, but I never received a response. I made another request for proof of the debt in XXXX, which also went unanswered. On XX/XX/year>, TSI sent a settlement offer, but still failed to provide the requested verification.

A few minutes ago, I used their online dispute system to state that TSIs failure to verify the debt violates federal debt collection laws. I have no knowledge of this debt and am now concerned that my information may have been used to open a fraudulent account. 

I am requesting that Transworld Systems immediately provide proof that I owe a debt to XXXX XXXX, including a contract with either a digital or wet signature. If they can not provide this information, I demand that the account be immediately zeroed out and that all further communication cease. 

As a precaution, I have placed freezes on all three credit bureaus, as I am still uncertain if this alleged debt is the result of fraud due to a security breach.
Product: Mortgage

My name is XXXX XXXX and this is my second complaint about the same issue with you your organization and it seems like your organization is not helping no one. Last year I filed a complaint about how my mortgage company Gregory funding keeps increasing my mortgage payment keeps going up every year. I pay right now XXXX every month frond XXXX XXXX dollars a few years ago last year my mortgage increased by XXXX dollars and I complained to you guys and you guys did nothing. Just a few days ago just got a letter from my mortgage company telling me now I have to pay From XXXX to XXXX dollars something is seriously wrong i really need help of I will lose my home after 20 years.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the actions taken by XXXX, XXXX, Transunion and XXXX XXXX XXXX XXXX XXXX regarding the sharing and reporting of my private information, which I believe flagrantly violate my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) and other pertinent statutes. According to Section 602 ( a ) of the FCRA ( 15 USC 1681 ), consumer reporting agencies such as XXXX and XXXX, Transunin, are obliged to carry out their responsibilities with fairness, impartiality, and a profound respect for consumers ' right to privacy. Furthermore, Section 6801 of Title 15 of the United States Code emphasizes that financial institutions, including XXXX XXXX XXXX XXXX XXXX, are under a continuous obligation to safeguard the privacy and confidentiality of their customers ' nonpublic personal information. As delineated in Section 604 ( a ) ( 2 ) of the FCRA, consumer reporting agencies may furnish consumer reports solely upon the written instructions of the consumer to whom the information pertains. I have not furnished written consent for the dissemination of my information by XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion or XXXX. Consequently, any form of consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. Furthermore, Section 6802 ( b ) ( c ) mandates that financial institutions inform consumers of their right to opt out of the disclosure of their nonpublic personal information to nonaffiliated third parties. XXXX XXXX XXXX XXXX XXXX, has neglected to provide me with this crucial information, thereby depriving me of the opportunity to exercise my right to opt out. Moreover, the dissemination of adverse information without my explicit permission, as stipulated in Section 1681C ( a ) ( 5 ) of the FCRA, constitutes a clear violation of federal law. XXXX and XXXX, and Transunion. are reporting adverse information without my consent, which is in direct contravention of legal statutes. Additionally, Section 1681s2 ( A ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, while Section 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of the FCRA. XXXX, Transunion and XXXX, are failing to comply with these essential requirements, as evident from their actions. Furthermore, in accordance with 12 CFR 1016.7, I hereby exercise my unequivocal right to opt out of your reporting services. I demand that all reporting activities pertaining to my account be ceased with immediate effect. Moreover, I would like to bring to your attention that, as per 15 U.S. Code 1666 ( b ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. In light of these grave violations of my rights as a consumer, I demand that XXXX, XXXX, Transunion, and XXXX XXXX XXXX XXXX XXXX take prompt and decisive action to rectify these transgressions.
Product: Credit reporting

Equifax refuses to provide report without making me jump through a lot of hoops
Product: Credit card or prepaid card

I want to submit another complaint against Chase Bank concerning my XXXX card. the original CFPB complaint # is XXXX. I have received two letters from Chase concerning my complaint. Both letters state if there are questions, please call at the respective numbers and hours. XXXX XXXX XXXX voice mail, who responded to the CFPB inquiry states he will respond within two business days. It is obvious to me Chase does not want to respond by phone. I find this behavior troubling, especially since I was a Chase card holder since XX/XX/XXXX. XXXX XXXX ; s response was the Sapphire card was issued after XX/XX/XXXX. In my original complaint, my XX/XX/XXXX statement includes an annual fee adjustment of {$55.00} dated XX/XX/XXXX which supports my claim I cancelled my Sapphire card in XX/XX/XXXX. Chase refers to a product change. I don't understand why I was issued another Sapphire card in XX/XX/XXXX. I cancelled my Chase Freedom card in XX/XX/XXXX, not my Sapphire card. The annual fee adjustment of {$55.00} was added back to my account on the XX/XX/XXXX statement. My issue with Chase is not just about the money. I believe Chase has taken advantage of me and refuses to resolve or take responsibility for their actions.
Product: Debt collection

Collection Consultants of California. I asked them to remove the old medical debt on my record because it violated HIPPA and it was beyond the statute of limitations to collect. They still tried to collect on it. I told them they could no longer do that and asked them to remove the debt. They refused. They, in turn, have updated my credit report stating the debt is only a month old, when the credit report shows they opened the account back in 2013. They have also stated they could not get a hold of me, when they wrote to me with my new address. I have all documentation. It is illegal what they are doing. I have reported them to the Attorney General of California and I'm waiting to hear back from that office.
Product: Credit card

First National Bank of Omaha is attempting to collect a debt that they know from previous complaints is felony identity theft.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023, while completing tax filing, I went through my CashApp monthly statements, finding 364 fraudulent and unauthorized transactions totaling around {$1700.00}. I submitted transaction disputes via phone, email, and CashApp mobile app. After 8 weeks only {$210.00} has been refunded. The refused to refund around 300 transactions that disputed. They were from a compilation of about 20 different merchants. A handful of the merchants were charging small transactions from $ XXXX {$3.00} hundreds of times in a single day. Others would charge random amounts from $ XXXX {$450.00}. When I looked up these merchants doing the fraudulent charges on my CashApp debit card I found bogus web companies with vague business descriptions ; no shopping cart mechanism to support the fact that the were ever selling a product or service in the amounts I was charged ; or selling anything at all. They were front companies for scam operations. 


The scary part about this is that I saw card transaction attempts from some of the same merchants on my replacement debit card [ even ] before I activated it. I questioned CashApp how anyone would have access to my new XXXX debit card number before it was activated. They did not reply, shut off the replacement card, and sent me a second replacement card in XXXX. 


I've been heavily and aggressively since XXXX. They've been giving me the runaround, sending copy/paste email templates with out-of-context email responses, requests for information they'd already been provided back in XXXX, and lied to me over the phone saying the fraudulent transactions were being investigation ( later to find out via mobile app/email support agent that they'd not been submitted for review ) ; and at XXXX point CashApp went insofar to deny me a refund for these transactions, saying they were authorized, despite the card payments being made with a debit PIN without the card holder present. 


In XXXX I filed complaints with the XXXX XXXX XXXX, Consumer Financial Protection Bureau, and the California Attorney General ( Consumer Fraud Unit ). Also, a friend whose a private investigator gave me email contacts to the executive managers at CashApp 's parent company Block , Inc. and XXXX in XXXX XXXX, California. I'm a resident of California, also. 


CFPB told me to file an additional complaint with your office. No one at CashApp or XXXX have responded. I have a paper trail of email communication and transaction history to support this claim. I fear that other CashApp users are experiencing this same problem. Additionally, I believe that CashApp staff has something to do with this scam. This is too ubiquitous and I did not give out my debit card number to dodgy websites ; or loss my debit card, or have it stolen. 


Your assistance on this extraordinary matter is appreciated. 


Thanks and regards, XXXX