23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My credit used to be excellent. 
Then COVID 19 impacted my business in XXXX. 
And my sweet wife was diagnosed with ALL XXXX in early XXXX of XXXX. 

With my wife 's diagnosis, it took what little finances I had ( after scraping through COVID ) to get the right help, and as her sole advocate, took all of my time and energy to get her through. 

XXXX was spent mostly at her bedside, and planning for the worst, as she relapsed several times. 

Finally, at the end of XXXX of XXXX, after several relapses, my wife was given a XXXX XXXX Everything went wrong, she fell into a XXXX  for XXXX, but eventually made it through, and is now one of XXXX % on earth to ever survive the ordeal. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. She returned home in XX/XX/XXXX. 

The back-to-back experiences of COVID and then my wife 's illness, took a severe financial and emotional toll on my company, myself, and my family as I fought to keep everything together. 

Financially, after a flawless track record for many years of repaying all of my debts on time, I was down to {$0.00}, with myriad medical expenses, children, rent, and other bills to keep up with. My vehicle was repossessed in late XX/XX/XXXX by Chase Auto after falling only 2-months behind.

Unfortunately, despite my stellar track record of repayments, and only falling 2-months behind, my Chase Sapphire Credit Card account that I have had for many years, was cancelled and sent to collections. I have other credit cards that were closed for the same reason, however the bank ( XXXX @ {$10000.00} ) offered me a payment plan ( $ XXXX ) that I can manage, and even stopped charging interest, reversing all late fees. 

I have spoken to Chase Sapphire several times and explained my circumstances in great detail to several of their representatives. However, they refuse to offer any reduced payment terms, and also refuse to make any allowances with regard to interest or fees being charged. They want it ALL no matter what, and have even placed seriously derogatory remarks on my credit reports in an effort to coerce me. 

My Chase Sapphire credit line was {$15000.00}. While I don't believe I used my entire credit line at the time of the account being closed, Chase have continued to add interest and fees to the amount of over {$3000.00}. FDespite my repeated explanation of circumstances and Chase representatives call incessantly - even TWICE today alone. 

99 % of the time, when I answer, there is a long period of silence and noone on the other end. I hang up after 30 seconds of complete silence, and then Chase Bank list it as an attempt to collect a debt that I have ignored, and been uncooperative.
Product: Credit card or prepaid card

I have paid on time to this {$200.00} secured credit card credit building Program. I have never made a late payment. But they somehow always charge me a late fee of {$40.00}. The company name is FIRST PROGRESS
Product: Credit reporting, credit repair services, or other personal consumer reports

On three separate occasions I have sent Experian certified letters to correct inaccurate information they've placed on my credit report. The first date was XX/XX/XXXX, follow up letter XX/XX/XXXX, and again XX/XX/XXXX. 
I have received zero response from them, The account is a closed account, paid in full. They are reporting " Paid, was past due 150 days ''. This is an FCRA violation, it Is outdated and inaccurate. Ive attached all three letters and the credit report.
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 theu 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: Credit reporting or other personal consumer reports

A technician approached our home at XXXX XXXX XXXX XXXX XXXX XXXX. 

He introduced himself to XXXX XXXX at the time who was my significant other. He sold the alarm system to XXXX, upon arriving home from work, it was stated I would just need to confirm on video that I was accepting to the terms and agreement, at which time I asked what they were. 

The representative said, oh, this is for the equipment for the cameras installment loan they do a credit check nothing appears on your credit at all. 

Within 3 days of the installation of the cameras we cancelled.- I would need to verify this date for you.

They came back out with technician changed a camera in our systemn ( front living room door area ) wanted us to try it and following that they gave us 30 cancel guarantee Prior to 30 days we cancelled the service and were told we could not. 

Then a technician came to our home and stated our area was not serviceable. 

On XX/XX/XXXX @ XXXX XXXX-placed a call to their customer service and no one responded or called back after leaving a message XX/XX/XXXX XXXX XXXXXXXX XXXX closed and the call hung up on me Called their corporate location XXXX number listed and spoke to XXXX whom said their was no manager who could help me and then I asked for a number to their corporate office that handles complaints and he said there was none XX/XX/XXXX XXXX called requesting payment of {$250.00}. I told the rep I do bot even have the service therefore I am not paying for it and what would this take to resolve this as they are negatively affecting my credit. 

I was told it would take {$1700.00} to buy out the equipment which is the remaining of the buyout fees at 50 % The account for Fortiva is a fraudulent company. Originally it was AN INSTALLMENT LOAN AND to be a soft credit check and now they have reported this to my credit as a charge card maxed out in full. Now its a charge off. This is a significant issue and violates the Federal Credit consumer laws. 

They have falsely misrepresented themselves and I have never received their services nor utilized them. Numerous attempts have been made to the company no one will call you back, in addition made an online complaint and was not contacted back. 

Tried to get management and upper management involved, would not provide me any of that information. 

Please note read the complaints on the web- company has been sued for fraud! 

The credit companies will not assist me and this needs to be removed immediately or I am getting a lawyer. 

PLEASE ASSIST
Product: Credit reporting or other personal consumer reports

I am requesting the removal of Report of hard inquiries to my credit report account. 

I have not approved nor authorized these inquiries and request removal of all HARD INQUIRIES from all three credit bureaus : XXXX, EQUIFAX AND XXXX Please report all findings within 30days as this is harming my ability to establish new credit. 

Thank you for your cooperation
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX, has violated my lawfully federal protected consumer rights of privacy and confidentiality under 15USC1681 15USC1681 sec 602A says I have the rights to privacy 15USC1681 sec 604A sec2 says a consumer reporting agency can not furnish a account without my written instruction I told XXXX XXXX XXXX XXXX and Equifax to re-investigate this account : XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

Also, There are several Inaccuracies on account starting with Date of Last Activity and lets not forget that they never gave me my 1099-C that they filed for this XXXX XXXX charge off on this account.
Product: Consumer Loan

I entered a loan agreement with Big Picture loans for XXXX. 
I was lead to believe I would be paying four installments of XXXX dollars and some change. After I agreed to the terms, the loan turned out to be for nineteen bi-weekly installments of XXXX and the final payment of XXXX. Apparently all of this at the interest rate of 697.0875 % APR. None of this was relayed prior to the loan. I can not get a hold of anyone one their side and when I do they hang up on me when I attempt to explain why I need a payment arrangement change date. They insist on processing the payment on the date I get my direct deposit, but they are drafting before it hits and I am incurring over draw fees because of it and no one will cooperate to even resolve this issue. It is a complete nightmare. I regret having acquired a loan through this company. Any assistance will be greatly appreciated. 
Thank you, Loan Company Information : Red Rock Tribal Lending, LLC dba Big Picture Loans XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey hope all is well guys this isnt my account and is being reported inaccurately I filed a report with identity theft.gov and multiple police reports. Account was opened XX/XX/XXXX I had been in the hospital XXXX XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX and wouldnt have been able to obtain any credit during the tough time period where I was XXXX XXXX XXXX XXXX Ive sent the credit Bureaus and Creditor multiple letter and phones call to assist me with this matter and Ive have yet to receive any help or yet to see the account being reported inaccurately removed. Its an violation of my right under the FCRA to report inaccurate information on my credit report Disputed Account listed Below : 1. XXXXXXXX XXXX XXXXXXXX 2. XXXX XXXX XXXX XXXX XXXX I was in XXXX in another country serving for our country during the time periods that this account was opened ) 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: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$16000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$8200.00XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

wire transfer payment, person to person was made internationally to pay for tuition. 
The bank failed to provide disclosure as to fees charging and dollar to euro exchange rate. 
I have requested a recall of the funds From my bank, Bank of America, within 6 months from the transfer. I had explained the party the funds were transferred to, the business failed to provide services I had requested or was paying for. 
I was no longer a student and requested my tuition/money to be reimbursed, retracted. 
I provided documentation to bank explaining that I had tried to remedy the situation with the business I had paid and requested the refund from them. 
I provided documentation as to the payment was for and proof that I am not being provided a service which should constitute as proof that the services were not provided by the business that I initiated a payment to.
Product: Mortgage

I have applied for a mortgage with Chase and received conditional approval. On Chase 's mortgage portal, I am being asked to conduct additional tasks based on the appraisal. However, Chase will not provide me a copy of the appraisal. It appears based on phone conversations, for a conventional loan I would note, that the appraisal was not conducted fairly based on the race of who currently owns the home ( I am the buyer ) and the zip code of where the home is located.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Accounts that are being challenged XXXX - XXXX XXXX- XXXXXXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XX/XX/2022
Product: Credit card or prepaid card

The end XX/XX/2022 I took line credit on my home XXXXXXXX XXXX  sent the payoff to comenity wayfair {$4800.00} we got the address from them to send and got payoff off my stmnt off line. Then received call the end XXXX said they didn't get it.the bank asked for overnight address they gave a lock box address they tried saying didn't get but bank verified was cashed by comenity bank. Have sent several disputes and so did the bank showing they cashed it and even filed with the XXXX of Ohio and they keep saying go to the bank that cashed it. They cashed it I sent proof and so has XXXX XXXX. They have damaged my credit and added fees to the account I need someone to make them fix this and hold them accountable I have my wife handling this as I work as a construction XXXX during the day. Her name is XXXX XXXX I put her email and phone number above. 
Thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am having a problem with my bluebird American express prepaid card account. I recently was approved for a targeted advance XXXX XXXX and it was deposited into my bluebird account the amount was $ XXXX after it was deposited I received a text message saying my funds were deposited successfully ( I will be submitting this text about being deposited successfully ) I received this text on XX/XX/2022. I then went to the bank and drew out {$600.00} cash from an atm machine, then I came back home and I tried to pay my insurance and it would not let me so I went on to my account online and my account was locked so I then called customer service at XXXX they told me that it had been locked because I violated some XXXX code in their member agreement and that they couldn't do anything and didn't have any more information on it that if I wanted my account unlocked or more information I would have to write to them that that was the only way of communicating with anyone that could help me. So, I wrote them a letter asking why my account was locked and suspended and asked them why they even accepted the deposit and added it to my account if this is what they were going to do why didn't they just refuse the deposit and send it back to the bank it came from so I could have had it deposited to another account why put it in my account and give me access and then lock it. ( I will submit a copy of the letter I sent to ) and now they won't even answer when I call them I call from another phone they answer but once I put in my info it hangs up, also I have no online access to anything no past transactions or anything it just says my account is locked I have had this account for like XXXX years now. I have waited like a week already for an answer from them pertaining to my letter I wrote them and still haven't received a response and I know that there are several other people that have experienced this same issue and don't know what to do. Why haven't they just closed my account and sent me the remaining funds that are on my account, I don't understand this? Also, I had my taxes going to this account as well and I don't know if they accepted them or have them or sent them back or anything because I have no access to anything to do with my account all I get is daily text messages saying what my account balance is ( I will submit this as well ) I want my account restored or my remaining funds sent to me or I am going to have to get a lawyer to get them I guess I really don't know what to do but they are causing me financial grief and with the pandemic, we all have enough of that already. My federal taxes was for {$3000.00} in case they have them still or deposited them. I really think they are trying to pull some kind of scam or something on people because people I have talked to say they are still waiting for a response or their money and that it has been months I don't get months to be waiting for my money I need it now I have debts that need to be paid rent that needs to be paid etc... If you can help me or guide me on what I need to do it would be appreciated very much.
Product: Credit card or prepaid card

On XX/XX/XXXX I went in to a Best Buy store to purchase a new labtop. 

During purchase the supervisor encouraged us to sign up for the Best Buy credit card advertising it was 0 % interest on ALL purchases for 12 months. I asked for clarification and to confirm it was 0 % interest on ALL purchases- the supervisor confirmed this information. 

Reviewing my past two months statements I have been charged interest on all purchases made after the initial purchase which is not what was advertised. 

During transaction I never had the opportunity to review terms or read " fine print ''. I was lied to by a best buy supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am bothered by the negligence of the Credit Bureaus with regards to the items I am disputing. I have been sending multiple letters to the Credit Bureaus to request the complete removal of the fraudulent information being reported on my Credit File. The last letter I sent to the Credit Bureaus was XX/XX/XXXX with complete attachments of my Driver 's license, Proof of Addresses and the ID THEFT REPORT I received from the FTC. I have read that the Credit Bureaus are required to remove any accounts and information that the consumer identifies as an item resulting due to identity theft. As stated on the letter I sent, the Credit Bureaus are required to remove the items I am disputing within 4 business days after the date of receipt. The inquiries and addresses being reported on my Credit File are fraudulent since I never remember authorizing anyone regarding these inquiries. I am submitting this complaint to protect and execute my rights, which is clearly being violated by the Credit Bureaus, under the FCRA section 605b. Please remove the following items COMPLETELY FROM MY CREDIT FILE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$240.00} XXXX XXXXXXXX Balance Owed : {$220.00} BANK XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXX BANK XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX
Product: Student loan

My loan transferred from Great Lakes to Nelnet. I am missing tax statements from when I submitted payments to Great Lakes in the beginning of XXXX. They state the account is closed and I need to go through Nelnet however no payments transferred in the conversion. I was using another party to submit loan payments so I have documentation that Great Lakes accepted the payments and payments were taken out of my account. However Great Lakes can not provide me any tax documentation for XXXX  that payments were received.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX XX/XX/2024 ) has violated my rights. 

I looked at my XXXX credit report on XX/XX/ and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. ( The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, This ground for removal they also violated my rights under 15 US C 1681 section 602 A. ) States I have the right to privacy. 154.0 9 1501 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX