23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

First off, I must say that I have great credit with a credit score around XXXX. I had a Macy 's credit card through American Express. I was set up to pay my bill automatically through my XXXX XXXX ebill system. Previously, whenever I made a purchase at Macy 's, I would get a subsequent ebill the following month automatically in my XXXX XXXX online account. I made XXXX purchases on my card earlier this year. For whatever reason, I did n't get notice of my outstanding balance through my bank ebill system ... therefore I forgot that I had anything due to pay. The charges were minimal - around {$200.00}. I recently went back to Macy 's to make a purchase but was declined. I called the number on the back of my card and I was told that i owed around {$500.00} for purchases, late fees and interest. I asked why was I not notified of these charges and I was told that I ( or someone claiming to be me ) had put a " cease and desist '' on my card which supposedly cuts off all communication to me about that particular credit card. So, my initial balance of around {$200.00} grew to around {$500.00} without notice. I do not feel that I am responsible for those charges since I was set up for using the ebill system and since I never received notice ( by phone/mail or email ) of any late or outstanding balance. I have never been late paying a bill. I want to know how someone was able to place this " cease and desist '' order on my account without me knowing about it. This seems like some sort of fraudulent activity. I would have never known about the missed payment had I not gone back to Macy 's to buy something else. This is a terrible business practice. I also think that my credit report needs amended and my late or missed payments should be removed. I attempted to reconcile this matter witch Macy 's and or American Express and I 'm not sure if that was accomplished. I spent multiple hours on the phone and nobody quite understood what I was talking about. I understand that I am responsible for my charges and I have no problem paying for those. I am concerned that since the system that I had in place to pay my bills did not work properly, any notification to me was cut off by the credit card company and I would be left with a balance that would keep growing to this day. That does n't make sense to me and needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting Experian for trying to sabotage my credit score I do not understand Ill check my credit report daily and notice that experience has talking points away from me for nothing I havent got any derogatory marks or anything added to my credit report but my points all of a sudden dropped XXXX points on XX/XX/XXXX for no apparent reason and also had XXXX XXXX points deducted from my credit score as well so, a total of XXXX points was taken away from me within a matter of weeks my main concern is why was there XXXX points took in for my credit score on XX/XX/XXXX for no apparent reason below are pictures from my credit report of the XXXX from Experian, XXXX XXXX and XXXX. It shows that I had XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several student loans on my account, in which most are duplicates. I brought this to the credit bureaus attention and explained if they weee unable to determine which loan was what and what was a duplicate. Then I felt it needed to be removed. They told me 30 days and I would see the accounts removed since they did confirm mostly all were duplicates. Here we are almost 3 months and no account have bee removed and they are still giving pull back when they have the proof. Please investigate this matter.
Product: Checking or savings account

Someone opened a Navy Federal Credit Union account that I did not authorize
Product: Consumer Loan

We made a electronic bill pay through our bank that was incorrect and subsequently overpaid the amount due. When we advised VW Credit of the problem they REFUSED to return our money. Even after being assured by our bank that the funds had cleared, VW refused to return the overpayment. VW can not be trusted. Still have not been repaid for the over payment.
Product: Mortgage

Our Private Mortgage Insurance Disclosure form signed at closing ( in 2014 ) states that we can request to have our PMI cancelled once the principal balance of our loan reaches 80 % of the original value of the property. We have paid the loan down to 80 % and met all the other conditions listed on our disclosure form ( except getting a new appraisal, but plan to ). However, Freedom Mortgage sent us a letter stating the following, " A Loan-To- Original-Value ratio of 80 % or less ( original value is considered the lesser of purchase price or original appraisal ) and a current property value at least equal to the original property value. A new appraisal demonstrates a Loan-To-Current-Value ratio of 75 % or less for loans aged between two and five years. '' When I called to speak with someone about this letter and how my PMI disclosure does not mention any criteria on age of loan or 75 % LTV ratio, but instead says that I can make the request to have it removed at 80 % as long as the home value has not decreased or automatic termination of PMI at 78 %, they informed me that the rule is 75 % since we have only been in our loan for 2.5 years. I have called Freedom Mortgage several times to get clarification/resolution on this letter and every representative just reads the letter and repeats it to me. I have also asked for a manager/supervisor to review my closing documents and call me back so that I can get PMI removed but have yet to hear back from anyone.
Product: Mortgage

I have a mortgage with PHH mortgage and they should pay the property taxes from the Escrow account, The taxes are due on XX/XX/XXXX and till today XX/XX/XXXX, they did not pay the taxes. 
I called them many times and their representatives ensured to me that they will pay the taxes on time, but they did not. 
I also faxed them a copy of the tax bill as received from the township on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible.

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX  Late Payment : XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry on my credit file that I did not authorized from Wells Fargo Dealer Services dated XX/XX/2017.
Product: Credit reporting or other personal consumer reports

There are Inquiries on my credit report that I did not authorize I made a report to Identity theft.gov. the inquires and dates are as followed : AllyFinancialXXXX Ally Financial-4/22/24 Ally Financial- XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attached the info for inquiry and accounts to be removed from my credit file. Thank you dates range from XX/XX/XXXX to XX/XX/XXXX
Product: Debt collection

This account is involved in litigation I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian need to remove and delete late payments. They are not doing Their job at all. They have not sent me any proof at all. Under the FCRA, the burden of proof lies on Experian you are the one allowing fraudulent information to report on my credit report.
Product: Money transfer, virtual currency, or money service

I received an Invoice today XX/XX/XXXX showing a payment of {$890.00} to Coinbase. I do not have an account with Coinbase, but they had my email and name. I called them and they confirmed there was an account with my name and email address, but could not offer a resolution unless I allowed them to " remote in '' to my computer. I told them I would call them back. I asked IT several security people that I know, who said I should not allow this company to " remote in '' to my computer. Coinbase said they had to " see my IP address '' which makes no sense because my cable company told me this address changes every few days, and really I could have been sitting in front of anyone 's computer. I called them back and they said they could not help me unless I allowed this. The company should have some process for investigating fraud accounts. It is illegal for a banking institution or financial company to demand logging into my computer to gain access to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have gone so far in proving to you that I am a victim of identity theft to the point that I have already called the furnisher and guess what? They have agreed to DELETE the accounts so why dont you delete them now? I have forwarded to them my FTC just like what I did to your agency and they are aware of the misleading information on my report. I need you to do your job as well just like the creditor did. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. PLEASE DELETE these accounts below XXXX XXXX XXXX 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: Vehicle loan or lease

XXXX XXXX XXXX XXXX my coworker told me my car got towed. we both running to follow the towed truck cuz they look like hurry to take my car away from that area.

they were parking 1 block away and checking the lock on my car that secured. that can be its not secured at first while they taken from street. 
i was show up and tell them don't taking my car cuz im planning to make a payment the next day cuz last payment was on XXXX XXXX XXXXXX/XX/year> and i know its not covered for past due but i really tried hard since wildfire we need to close the business and how much i have i just pay them first. 

im ok if the repo guy act more polite or give any information about car they want to repo. 
also myphone is in the car i said " please dont take my car i have a lot of stuff in there and wallet. 
then he told me give me the key i will let u get the phone. my coworker asked him to show license or any paperwork about the car they're taken but he only said " call ur bank '' and i keep asking him about the notice or paperwork. he refused and keep checking that lock is secured while i open the car and take my wallet and stuffs but its more thing in the car. my money too. he said give him the key and i will let u get the stuff. while i told him to leave my personal property alone. he unwilling to do and keep do the repo process.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violate 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 vulnable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Funds Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvience and loss I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information for account XXXX. The Original Creditor stated a different balance than the balance of {$650.00} that is reporting on my credit report. XXXX XXXX XXXX is the original creditor of this account and I have attached the statement with the balance that was sent to me. You are also reporting that XXXX is the collection agency which is not accurate. I do not have a debt with this collection agency and the balance reported does not match what was sent to me. You are also reporting inconsistent information such as the date last active and the date last reported. All are FCRA violations. Please see the attached proof and remove this account from my credit report for false reporting.
Product: Credit reporting or other personal consumer reports

There was accounts that werent supposed to be in collections because they were paid off but they were never taken away
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have submitted the proper documents to Equifax credit reporting agency to have fraudulent items block as required by Fair Credit Reporting Act section 605B. I submitted identity theft report on XX/XX/2019. However the following accounts have not been blocked from my credit file.Section 605B of the Fair Credit Reporting Act gives consumers the right to have information block from there credit file as it pertains to Fraud if identity theft report is provided to credit reporting agencies within 4 day after receiving the identity theft report. Equifax has not blocked the following accounts from my credit file. It has been over two months since I sent Equifax identity theft report requesting to have the following items blocked from my credit file. I have attached a copy of identity theft report submitted to Equifax on  XX/XX/2019, along with a copy of Fair Credit Reporting Act section 605B. I am reaching out to CFPB to assist me in getting this matter resolve. Equifax has violated my legal right to have information removed from my credit file pertaining to Fraud under the Fair Credit Reporting Act.
Product: Credit card

Someone stole my credit card information and made purchases on XXXX through her XXXX account. I called XXXX and I found out that the person who used my information without my authorization was my ex girlfriend where we broke up 2 years ago. I haven't seen her since then and I've never gave her my credit cards or authorized her to use my cards. I already filed a police report and an FBI report against her. Also I have an appointment with a lawyer next week. I contacted CITI to dispute the charges and they sent me a letter where it says that I knowingly provided access to my financial information, including credit cards and bank accounts which implies the authority to act on my behalf. They're asking me to pay otherwise they'll report my account.
Product: Credit card or prepaid card

On XX/XX/2020, I received an alert on my smartphone via XXXX XXXX that my Bank of America credit card had been removed. I immediately logged into my BoA account with concerns that there was a security issue. Upon login, I noticed that my credit card account was no longer listed, though I could continue to see my Savings and Checking accounts. There were no online messages and I had received no physical mail regarding my credit line. The balance was {$0.00} upon closing.

Ive made four separate calls to Bank of America to resolve the matter, both to 800 numbers and to my local branch. No one was able to help me and I was told that the card was closed due to inactivity. Again, I received no notice of the closing of the account. I was told that I may have not received notice due to USPS issues, though that would not explain a lack of electronic message. If I had received notice I would have taken steps to use the card to keep it active. My credit score is important to me.

The credit line that was closed had been open for nearly a decade. By closing the account without giving me notice my credit score will take a hit. My hope is that the CFPB can assist me in getting Bank of America to reopen the account. Thank you for your time and assistance.
Product: Prepaid card

On XX/XX/2024, I was scammed into purchasing an XXXX XXXX card in the amount of {$500.00} by XXXX XXXX Users. 

XXXX offered no help. My Checking Account Bank, PNC, was not able to get XXXX to accept the dispute and refund me for the {$500.00} XXXX XXXX XXXX purchased at XXXX in XXXX, PA XXXX. 

On XX/XX/2024, I attempted to sell a woman 's handbag on XXXX. Once I posted my listing, I was almost immediately contacted by scammers pretending to want to buy my handbag. They offered to " overpay '' me by {$200.00}, led me to text them ( to get off of the XXXX platform ), and then proceeded to tell me that their payment to me failed, and that I needed to pay {$200.00} to " activate '' my XXXX account, ONLY via a preloaded XXXX Gift card in the amount of {$200.00}. They suggested I purchase this card from a XXXX, which I did, and then texted me to send a photo of the receipt as well as of the barcode information ( PIN ) on the back of the card ). 

They immediately redeemed this card, and sent me an email that, although a payment ( from the scammer ) was made in the amount of {$1500.00} USD ), that I THEN needed to also make a security deposit, split via XXXX ( XXXX ) XXXX XXXX XXXX in the amount of {$500.00} and {$470.00}, respectively. I then went back to XXXX to follow this instruction, frantic that I would never receive the payment for the purse. Obviously, I had not yet picked up that this was a SCAM. 

I went back to XXXX and purchased a {$500.00} XXXX XXXX XXXX, which XXXX approved. I attempted an additional transaction for an additional Apple Card ( in the amount of {$470.00} ), but XXXX declined the transaction, and I was automatically refunded. 

I messaged with PNC today regarding the case I opened with them, Case # XXXX. Their Dispute team can be reached at XXXX. In tandem, I opened a Case with XXXX, XXXX ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A short sale was negotiated between my lawyer and Loan Care servicing center for the following property : XXXX XXXX XXXX XXXX XXXX, FL XXXX The short sale was approved and final closing occurred on XX/XX/XXXX and XXXX, 2019. 

I signed on the XXXX at the Title Company office and the buyer signed the following day. 

The total amount owed on the property was approximately {$110000.00} and a sale was negotiated for approximately {$85000.00} The Title Company confirmed that the negotiated amount was sent. 

A property search clearly shows that the buyer is the owner. 

Loan Care keeps reporting to XXXX that I owe a balance of approximately {$110000.00}. 

I have disputed this at least twice, and I get no mail with no explanation. The XXXX credit report still shows this balance. 

In fact, I have not received a single piece of mail from Loan Care since the closing. 

I'm not quite sure how after over 9 months, they still consider this an open account? 

If it's open, why does the balance show {$110000.00}? 

I don't know what the XXXX  credit bureau is reporting. But it's possible that is incorrect as well. 

One of the attachments shows a screen shot of XXXX County showing a new owner. 

I mailed Loan Care FCRA compaint by mail and they never responded to it. ( attached )
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to you for the umpteenth time regarding the fraudulent accounts on my credit report. I have previously sent you multiple letters along with supporting documentation such as FTC reports, a police report, and an identity theft victim complaint and affidavit. Despite my repeated efforts, the inaccurate information continues to negatively impact my credit profile. As a consumer protected by the Fair Credit Reporting Act ( FCRA ) under 605B ( 15 U.S.C. 1681c-2 ), I am formally requesting that you block all accounts that are a result of identity theft or fraudulent activity. It is imperative that you take immediate action to rectify this situation and prevent any further harm to my creditworthiness. I urge you to thoroughly investigate the information provided and take the necessary steps to ensure that my credit report is accurate and reflective of my true financial history. Failure to comply with the provisions of the FCRA could result in legal action against your organizations. I appreciate your prompt attention to this matter and expect a swift resolution. Please confirm in writing once the fraudulent accounts have been blocked from my credit report. accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : XXXX I'm challenging inaccurate accounts listed below. CHILD SUPPORT XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I'm challenging inaccurate Inquiries listed below. ( XXXX XXXX XXXX  ) XXXX ( XXXX ) XXXX i have provided a federal ftc identity theft report also a police report! all the information that they ask for
Product: Mortgage

Company is using predatory tactics to generate fees. Company refuses to forward statements to home address, and then piles on fees as a result. 

We put in an official change of address, but company refuses to recognize change. Since we dont get any statements and notifications by mail, fees pile up. 

They refuse to remove fees.