23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My wife and I were offered a 0 % transfer from a local 5/3 branch on a credit card. ( I was a small business owner in 2010 and put a large amount on credit cards trying to save my company. I just want to clarify that we did not rack up this debt by spending irresponsibly ) When XXXX ( my Wife ) spoke with the representative we were told that we would be expected to pay XXXX a month in minimum payment, which we were both fine with, as we are trying to pay off this debt as quickly as possible. 
Coincidentally XXXX was the first month that we went on vacation in 3 years, putting us in XXXX when payment was due. XXXX called our bank and had our " minimum payment '' plus an extra {$50.00} totaling {$350.00} applied to that card, but the bank put this money on the wrong account, causing us to default on the card, which they froze. We called to clear up the issue and have the funds put in to the correct account, but we were still left in default. This immediately changed our 0 % loan, in to a card with a substantial penalty PLUS interest. 
XXXX has been trying to clear this up with our local branch for over a month and I finally stepped in 2 days ago to see if I could figure out what is happening. 
during my multiple conversations with the payment research team ( who were very disrespectful and taunting ) I found out that in their system, any payment less than {$640.00} a month was considered delinquent. which means that since we received our card, we have been delinquent. 5/3 never informed us of this and the only reason we found out was when we were in the process of pre approval to buy a home, at which point our lender informed us that this card and 5/3 not only have dropped my credit score XXXX points in the last 3 months, but that we were now considered credit risks and no longer able to borrow from anyone unless this is cleared up. I also imagine that our credit rating is also going to spiral downward unless I pay {$650.00} ( plus back fees ) a month plus interest for the next 3 years to these crooks. Since my credit rating is now in the gutter, and no bank would loan me money to get out of this hole that 5/3 dug for us and shoved us in to. 
We will attach files of correspondence and bills with our minimum payment due. 
Through this whole ordeal the people at 5/3 corporate have been difficult and uncooperative, bordering on insulting.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud 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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account and charge offs. This account is hurting my ability to obtain credit. it's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. it is illegal to report information on my credit report without my permission. Please remove this item frm my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, I sent the attached Certified Letter to Experian. Per the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Experian is required by Federal law upon request through PHYSICAL VERIFICATION of the original signed contract any and ALL accounts on my credit report or they must be deleted. 
I did not receive any PHYSICAL VERIFICATION proof of any of the accounts on the attached document and the accounts are still on my credit report, which means my request was completely ignored. This can not be completed by using XXXX. XXXX is NOT PHYSICAL VERIFIABLE signed contract by me. 
These accounts must be removed per FEDERAL LAW FCRA Section 609 ( a ) ( 1 ) ( A ). 
I am again requesting PHYSICAL VERIFIABLE proof or the accounts must be removed immediately and NOT verified by XXXX.
Product: Mortgage

The company keeps sending me letters about lack of master policy insurance ( the property is a condominium ) and threats to purchase insurance with my funds without trying to obtain it from my HOA. Latest letter is attached.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : * XXXX XXXX/AccountNumber : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
XXXX. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
XXXX. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA 605 ( b ). 
XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting

There are hospital bills from a hospital in XXXX state dated from XXXX XXXX, but I moved out of XXXX state to XXXX on XXXX XXXX, XXXX, and I have not visited the hospital in question since around XX/XX/XXXX. I was robbed of my wallet XX/XX/XXXX, around XX/XX/XXXX or XX/XX/XXXX I believe, and it contained my original birth certificate as well as XXXX of my children 's original birth certificates, and my original issue Social Security card and my children 's SS cards. I believe my information had been used for fraudulent things and I would like help recovering my credit and fixing the fraud on my report, as well as a FULL credit report detailing all the ways my information has been used.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of the accounts on my credit report. Upon contacting the respective banks, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update this erroneous accounts. 


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

I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. 

XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX/XXXX XX/XX/2017
Product: Vehicle loan or lease

Bank of the West was sold to BMO Harris. My wife won custody of our RV when I didnt have the money to pay the loan. The bank refuses to take my name off the loan even though the debt is legally no longer mine. We ( me and my ex ) both provided them the divorce decree and theyve refused to take me off the loan, demanding that my ex refinance the loan so they can earn more money. I should not have to carry {$110000.00} loan on my credit report when I am legally no longer responsible for this loan. Please advise. Many thanks.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I obtained a title loan from Title Max using my XXXX XXXX XXXX as collateral. I am a XXXX XXXX XXXX  and I had to use the funds for temporary housing to flee a very serious situation. I was unable to make the payments due to the fact that I have had to be on UNPAID crime victim leave to relocate for safety reasons from my employer numerous times since the loan originated. On XX/XX/XXXX, I was sent the First Notice of Default and Right to Cure from the lender. The vehicle was ultimately repossessed in XX/XX/XXXX, however I brought the loan current XX/XX/XXXX and regained possession of the vehicle. I would like to interject here that the recovery company held my vehicle for 3 days after the payment was made to the title company. At the time that the loan was brought current, the representative at the title company set up an appointment for XXXX XXXX  the next morning for me to pick up the vehicle from the recovery company. The recovery company called me the next morning and told me that they could not keep the appointment because they did not know where my vehicle was located. In actuality, they would not release it to me because they had not yet processed it on their end although it was paid and I had the legal right to take possession of the vehicle. They told me to leave their establishment after I called law enforcement on XX/XX/XXXX, when I went to their establishment as instructed by their employee, with all documents required for release and they REFUSED to release my vehicle because they were closing in 40 minutes. They still did not release it for several more days as they require an appointment and claimed to be booked. Again, due to my domestic situation I was unable to continue making payments. The vehicle was taken into possession again in XX/XX/XXXX. However I never received the second Notice of Default and Right to Cure required by Missouri law before they took possession. I was not given the right to cure the default and I also have not received ANY type of correspondence from them since they took possession of the vehicle.
Product: Checking or savings account

I wasnt receiving the compensation that I deserved nor did the company care to listen. Also, there was defamation along with discrimination going on at the company every step of the way. They also took it outside the company because I was having issues trying to get employment. I believe that I should have at {$50000.00} in my checking account right now.
Product: Student loan

I have been paying above my standard payment since I first began paying my student loans. When setting up autopay with Navient online I verified that any amount payed above my standard payment would go to the loan with the highest interested rate ( this was actually shown to be the default setting within my profile settings on the Navient website ). As I began paying off loans with other loan servicers I began moving the payment that I had been making to those companies over to my Navient loans to apply towards principle. I again verified the allocation of extra payment to the loan with the highest interest rate when I added to the principle payment in XXXX of 2018. In XXXX of 2018 I began looking through my loan statements as the loans I have with Navient are the only loans I still have left. I noticed that the extra principle payment I was making each month was not being correctly applied to the loan with the highest interest rate. I called in to speak with someone and they apologized but said unfortunately that isn't how my account was set up. While on the phone I logged back into my account and as I explained to them it still showed in my personal settings in my profile that extra funds would be applied toward the highest interest rate. I requested multiple times to speak to her supervisor as all she could do was apologize and say that wasn't how it was set up in their system. She finally asked to place me on hold while she got someone else for me to talk to. A few minutes later she came back and said she had fixed it and going forward the extra funds would go to the loan with the highest interest rate. It was obvious I wasn't going to get the chance to speak with anyone else so I stated I would gather all my paperwork and call back. I pulled all the information I could from what was provided in my account but a lot of information wasn't available such as the individual interest rates of the loans since I first started paying. I called back in a few days later and explained the situation and requested all the information I could get on my loans so I could go back over where and how my payments had been applied.
Product: Debt collection

( 1 ) debt was never owed creditor cleared this up with collection agency but was not removed from my report.collection agency put paid closed.actualy was never paid by me. ( 2 ) same as above
Product: Credit reporting or other personal consumer reports

I request bad information be removed from XXXX XXXX Account several times this Year ( XXXX ) from about XXXX all the way time XXXX and it stopped me from getting a apartment and Buying a Home.
Product: Credit reporting or other personal consumer reports

Subject : Violation of FCRA Sections 623 and 15 U.S.C. 1681 Dear CFPB, I am submitting this complaint regarding an account reported by Experian related to my XXXX XXXX XXXX account. 

XXXX The information related to a late payment should not appear on my credit report due to violations of the Fair Credit Reporting Act ( FCRA ), including : 1. Violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : a. Failure to Ensure Maximum Possible Accuracy The furnisher of this information has an obligation under Section 623 ( a ) ( 1 ) ( B ) to ensure maximum possible accuracy in the information they provide. However, there is no evidence that they conducted a proper investigation or verified the legitimacy of this late payment as required by law.

b. Failure to Investigate Disputes Under Section 623 ( b ), when a dispute is raised, the furnisher is required to investigate and provide sufficient evidence to verify the information. To date, the furnisher has not provided original documentation ( such as signed agreements or proof of proper notice ).

2. Violation of 15 U.S.C. 1681 Exclusions : Per 15 U.S.C. 1681a ( b ), information that is solely related to transactions or experiences between the consumer and the creditor should not be shared in a consumer report.

Late payments, as a transactional experience, appear to fall under this exclusion and should not be reported to credit reporting agencies.

3. Request for Removal of the Late Payment This single late payment has significantly harmed my credit score, and I believe the furnisher did not follow proper procedures required by the FCRA. I request : 1. The removal of this late payment from my credit report due to the reasons outlined above.

2. The furnishers compliance with all duties under FCRA Sections 623 and 15 U.S.C. 1681.

If the furnisher can not provide signed original agreements or other verifiable documentation as required by law, the CFPB should require its removal. 

Thank you for investigating this matter and ensuring fair practices for all consumers. 

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

In accordance to the fair credit reporting act, XXXX  ACCOUNT NUMBER # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

15 U.S.C 1681 section 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.
Product: Debt collection

Hi there We had a issue with our apartment complex, had a XXXX XXXX XXXX son, moved to XXXX XXXX apartment complex in XXXX KS, asked them to fix but they could not do, we decided to move and called them to give 30 days notice, gave but they gave us big amount and gave us to collection.
Product: Money transfer, virtual currency, or money service

I apply for jobs submitting reviews for XXXX company for commission and I worked for about XXXX weeks doing that and they did tell me that you know Id have to transfer some money over into my work account to offset negative balance sometimes well I did a total of {$3300.00} And not once have I received my commission well now whenever I disputed it with my bank I called because I didnt know exactly how to dispute it. My bank filed it wrong instead of in XXXX XXXX. They put XXXX and they said it was fraudulent like I didnt do it, but I explained to him what happened and Well she filed it and they sent me a denial letter that they denied my dispute because my excessive transfer over to Cash app, and whenever I called him to explain that you know the amount they had was wrong and how they filed it was wrong. The lady I spoke with said it was service is not received is how she was supposed to file it, but since it was already denied, my bank refused to reopen it or to even re-file it because it was already denied and they closed out my checking account. Now since my bank denied my dispute of XXXX XXXX XXXX dollars XXXX XXXX XXXX dollars my house is up for repossession and so is my husbands company equipment and my bank doesnt want to do anything to help
Product: Debt collection

XXXX XXXX is reporting a charged off account with a balance of {$460.00} on my credit report that was charged off and written off as a loss to the IRS and they are still trying to collect on this debt which is outright illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus to challenge the 100 % accurate and factual reporting of XXXX accounts showing up on my credit report " XXXX '' ... ... all XXXX times that ive challenged them, they have come back verified as accurate ... how is this possible? they are not conducting proper investigations is the answer ... i have attached a copy of the report with all of the inconsistencies circled,,,,, THIS ACCOUNT HAS BEEN RE AGED THIS IS A VIOLATION
Product: Vehicle loan or lease

i had bad credit reason child support outstanding {$5100.00}, XXXX phone bill outstanding {$1000.00}, XXXX credit card outstanding {$2000.00}, XXXX  electric bill outstanding {$2500.00} federal tax lien XXXXoutstanding balance $ XXXX XXXX  federal tax lien {$30000.00} my drivers licensed # XXXX still suspended in XXXX XXXX XXXX XXXX and XXXX dl # XXXX suspended nationwide santander consumer usa could not approved a retail installment sale contract no dealer number no contract number wrong address of buyer XXXX correct XXXX XXXX XXXX XXXX XXXX XXXX md XXXX wrong name of seller XXXX if XXXX XXXX XXXX forfeited business licensed. contract federal truth-in-lending disclosures annual rate 17.07 % with credit score XXXX at XXXX years old. finance amount {$10000.00} vehicle price {$10000.00} vehicle amount finance {$19000.00} total of payments {$30000.00} total sale price {$33000.00} monthly {$410.00} beginning baby boy XXXX stolen at XXXX from southern maryland hospital in XXXX md on oXX/XX/XXXX1978 child is still missing invalid contract block print XXXX of XXXX XXXX XXXX no seller signature by no name or signature or title law form no. XXXX santander in default of {$19000.00}, pay off {$18000.00} conduct the fbi
Product: Credit reporting, credit repair services, or other personal consumer reports

The fees that I'm disputing on my account was closed years ago and for some odd reason it is negative on my credit report and is also updated when I specifically remember on Experian it stated this would fall off of my report XX/XX/XXXX. For some reason it says it was updated when that makes no sense. Even if it was on my credit report for up to 7 years which it is past that time frame even from XXXX when this was addressed it is XXXX. This should have been fell off my credit report with no issue. I also called the number that they said to address my situation with and it was not a working hard number which I do now feel something fraudulent is taking place and my credit should not have to take a hit for this
Product: Credit card

I cancel the credit card because I was unhappy with the customer service and the business practice. The credit card was cancelled XX/XX/XXXX but despite numerous attempts to close the credit card account ( each time I was told the error had been corrected, the account was closed with XXXX balance ). These attempts including reach out to Consumer Financial Protection agency ( Case # XXXX & XXXX ). So far, I have XXXX written confirmation letters from HSBC pertaining to the closing of credit card. But despite the confirmation letters, HSBC decides to harass me yet again about the account that I close XX/XX/XXXX and demand payments. There is very little an individual can do against a big financial institution like HSBC. I was diligent in making payments, contacting the bank to close the account and I have the letters from HSBC confining it is close. But none of this matter when HSBC can decide to send me a statement demanding payment and and resume the harrassments. Even letter from HSBC with the agency case number does not stop the bank to come after me again.
Product: Debt collection

Please remove from my credit profile, as I have no idea who this company is and I have never entered into any type of agreement with this company. 
Please have the company present a contract or removing this from my credit report ''. I called this company they couldnt not locate this file please delete from XXXX asap
Product: Credit reporting 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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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.