23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There are multiple parts to my problem but I am submitting a complaint based on an over payment of bill, because I had a XXXX $ credit limit and when I swipe a card anywhere if its XXXX $ over I will get declined but when XXXX submits a charge of XXXX $ to go through its no questions asked they are open to approve me then on a payment I didnt agree to that was supposed to be around XXXX $ and I even while Im asking to pay from a different form of payment I dont understand how a XXXX $ charge can go through for that company and the credit card company just approves that, when this happened I called immediately and the credit company said dont worry I have protection but 6 months later my credit is ruined I got denied on a loan I was already approved for to start a business and Im in debt close to XXXX $ and cost me a loan that I was approved for XXXX $ on and it cost me I only had a XXXX $ credit limit. I also was not the person driving the car that was rented I should of had a XXXX $ charge but the car was taken without my permission and driven across the country, when I tried to report it stolen to the police department they would not let me since I was not the owner of the car and after the close to XXXX  $ charge posted on my credit card I was so in shock knowing I couldnt make a payment like that I didnt even think until now what was that even approved on a XXXX $ credit card. Im sure there is some reason this is aloud or why thats possible but I do not think it should be, that is way beyond my level of cash income for that time now I am even worse off but then I was not good either. This happened in XXXX around Covid also the last time I had a steady job and was the beginning of a spiral downwards of bad things happening. I would like to add that my girlfriend was the one who stole or took without my consent the vehicle, I tried to stay nice with her at first hoping she would just return it on time but she instead ruined my life. I submitted a complaint on identity theft. Org over this too but I dont want to accidentally vomit perjury and get myself into trouble also the reason I delayed on contacting anyone, the budget car rental company still has not been informed, but I would almost rather get in trouble for that then. Have my whole life destroyed any longer if there is anyone reading this with any knowledge base of resources I could possible use so that I am not stuck paying off a bill my now ex girlfriend made for the next decade please help, also if I am in the wrong area to make a complaint over a situation like this I apologize I did not know about the FTC until last week. The suspects my ex
Product: Credit card or prepaid card

I have called several times about my card declining when i use it for online purchases and i store purchases. I keep getting my card locked and supposedly noted to the account details so that it doesnt happen again but its just a vicious circle calling and waiting calling and waiting calling and waiting with broken promises and i also paid the annual fee early. never had such bad service in my entire credit card experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Not showing a new account on my credit reports, that has been submitted in a timely manner according to the creditor, XXXXXXXX XXXX, also known as XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/. I applied for a XXXX XXXX credit card. The customer service manager assured me I would be approved. Well I wasn't and my credit score got hit with a hard inquiry dropping my score from XXXX to XXXX. It has now been over 9 months later. and this still has not dropped off my report and my score still remains unchanged.
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/XXXX, 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. These accounts XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX are not complete and accurate. 

XXXX XXXX XXXX XXXX XXXX ] The account is a closed account and still being charged & is going up about $ XXXX $ XXXX. 

[ XXXX XXXX XXXX XXXX ] This account is closed & Paid Off. 

Also all reports being reported without my consent and/or knowledge of being reported is in violation of the FCRA which I do/did not give any consent to do so.
Product: Credit reporting or other personal consumer reports

This company claimed to be providing compensation and bureau protection of my credit files due to a data breach where they released all of my information to the dark web without my consent. Now I'm dealing with identity theft issues.
Product: Money transfer, virtual currency, or money service

On XX/XX/10 I transfered {$220.00} through CashAp to pay for a purchase. Funds were withdrawn from my checking account but never recieved by the person. I applied for a refund for the money. CashAp claims it was deposited into my debit card. On my bank statements from XXXX there is no proof of a deposit for this amount. Cash Ap does not want to return the money to me. They claim it was reversed. Which is has not been.
Product: Mortgage

This mortgage loan was paid off in XX/XX/2020. 

This was a mortgage on a Co-Op in the state of XXXX XXXX This was not a conventional mortgage. The mortgage company is located in XXXX XXXX. 

I have been trying to resolve the following issues for over a year without success. 


XXXX. I need New Rez to file a correct XXXX Mortgage Satisfaction document with XXXX XXXX clerk ( my name is misspelled ). 

XXXX. I need New Rez to return my original Co-Op XXXX XXXX as required by law XXXX. I need New Rez to send me Correct, Completed Mortgage Satisfaction documents to supply to the XXXX XXXX I am seeking help for these issues as I have had no success in resolving them directly with New Rez Customer Service. 

With out these documents, I can not sell my property. 

Thank you for any assistance you can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, I had an account go in a XX/XX/XXXX past due status from Fortiva credit due to the COVID-19 Pandemic in XXXX of XXXX. In XXXX of XXXX I was back on my feet and trying to get all of my financial affairs in order. I reached out to Fortiva on XX/XX/XXXX to pay my full balance and in return they would remove all of the late payments during this timeframe. They agreed and I paid the total balance in full of {$1000.00} and some change. I have been diligently working on my credit for the last 4 years and I knew with this I would help be able to purchase my dream home for my in the future. Fast foward to XX/XX/XXXX, I applied for a mortgage and my lender advised me because of the late payments that Fortiva promised to remove, I will not be able to purchase my dream home. I immediately called Fortiva and asked why this wasnt removed as stated back in XXXX of XXXX. They stated that I wouldnt have qualified under COVID guidelines. HOW??? We have technically been impacted by COVID since XXXX of XXXX. These credit card companies lie and prey upon the lower middle class to steal their money and all they can say is tough. I am a veteran and trying to become a 1st time home owner. Please have Fortiva correct this information as they stated they would and stop lying to their customers to just take payments from them.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX  XXXX Account number : XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX, XXXX, and Transunion, as credit reporting agencies, are in violation of codes set by Congress and rules set by the Consumer Financial Protection Bureau regarding the following inaccurate information : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX XXXX Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) regarding exclusions on consumer reports states that a consumer report does not include information solely as to transactions or experiences ( charge off status, payment history ) between the consumer ( Me ) and the person ( XXXX, XXXX, Transunion ) making the report. IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income. According to the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper, it states in section 2.2.1 ( 2 ) that credit reports do not contain information on a consumers income or assets. These charged off/canceled debts are inaccurate information as income is not to be included on a credit report. I have included attachments from the pages of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), IRS Publication 4681, and the Consumer Financial Protection Bureaus Key Dimensions and Processes in the U.S. Reporting System paper containing this information. I have also attached the credit reports from each credit reporting agency containing the inaccurate information. This is an explicit notice to immediately delete these inaccurate entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credi Companies have dropped my score twice for the same reason using the same evidence. They have yet to produce the evidence and have dropped my score a total of XXXX points on 2 separate occasions without proof. This seams a XXXX matter or a pay-back for a legal claim. The company states they have 24 hard hits. I want a list of the name 's dates for the 24 hard hits for both times because they did this two times in an 8-month time span. I worked a rebuild my score preparing to apply for a mortgage so that I could move from the place I was living. I have been very ill therefore I was returning to work off of a long-term illness. My employment status was parttime, so it was very import that my score had to be perfect. I would have never applied for 24 of anything. I AM REQUESTING THE PROOF THAT WOULD CREATE THEM TO DROP MY SCORE TWICE AND HURT MY DREAM OF GETTING A HOUSE. I am in the window of opportunity ; this is criminal and a violation of my right to live as i have work so hard. I can't wait weeks for this corrective action. This was wrong and I want to see the LIST Names and dates for both of the drops that have been charged against me. THIS IS NOT FAIR.
Product: Payday loan, title loan, or personal loan

XXXX/XXXX/XXXX {$58.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$90.00} XXXX/XXXX/XXXX {$290.00} I initially applied for payday loan with the understanding that I would be charged small bi-week interest rate until I payoff the full amount. Apparently, I was NOT! AWARE! of the small fine print that the company was charging 400 % more than what I was charged. This company refused to to accept that fact they mislead me with their fees and interest and all they said was it was my fault because I didnt read the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have tried to contact Experian numerous times to cancel. They claim that you can cancel at any time and when you call in the wait time is 2-4 hours. In the meantime, we keep getting charged XXXX for both me and my wife! Help us please!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After paying down credit cards, my XXXX XXXX was lowered XXXX points when I was advised it would improve my score.
Product: Mortgage

Consumer Financial Protection Bureau XXXX XXXX  XXXX XXXX, IA XXXX XX/XX/2020 Re : The Money Source Legal Amoral Refinancing by Animalistic Criminals XXXX XXXX XXXX XXXX, NY XXXX Dear Madam/Sir, As a former homeless, but XXXX  % XXXX Veteran ( homeless  for 38 years ), and an unreported survivor of the XXXX XXXX, I never thought that the mortgage finance company that we were appointed ( rate 4.125 % ) would conduct business in such a animalistic and pernicious manner -- -making my paranoia speak vociferously within me ; shouting that the very same people I must trust with my mortgage concerns are simultaneously setting up their systemic discriminating snares to overcharge us and/or try to make me homeless  again. 
First, in the early portion of XX/XX/2020, my wife and I called The Money Source and paid our monthly mortgage payment in advance, because we needed to change our bank ( from XXXX to XXXX XXXX XXXX ). However, the inadequate business practices of The Money Source neglected to fulfill their responsibilities, which resulted in complications for us with our banking institution. Secondly, all the information communicated from The Money Source to us, during this pandemic have been continuously misleading, malicious and in a mendacious manner. 
Thirdly, after addressing The Money Source, with the CARES ACT, we were disregarded, disrespected and rejected, as well as them forcing their created documentation and fees on us. 
Nevertheless, we were told we did not have to pay mortgage until XX/XX/2020 by one of their phone receptionist, posted various balances on the website they have for us ( quite confusing ), no record of recorded phone calls, and poor representation in the likes of a XXXX ( so-called manager ), XXXX, and other members of their staff. The Money Sources insidious machinations of systemic discriminating have affected our budgeted fixed income, unwarranted stress, as well as, and especially placing obstaclespreventing us from the VA Interest Rate Reduction Refinance Loan. 
Please help...
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX .... Balance : {$50000.00} ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

We have XXXX mortgages with Specialized Loan Servicing and have always had insurance coverage on the properties with no lapse. This information has been submitted to both by our insurance company as well as myself and they continually are sending notification that the documents they have received are incorrect, but none of the correspondence tells you the reason the documents have been rejected the do not tell you want is wrong with them. I myself have uploaded them to XXXX  XX/XX/XXXX and XX/XX/XXXX and my insurance company has uploaded them on XX/XX/XXXX and XX/XX/XXXX and emailed them. you are unable to contact them by phone you get into a round robin of a phone tree and there is never a customer service representative available. When you are able to speak to someone, and they finally are able to tell you the error, I submitted the requested information and again it is not accepted. They have now purchased force placed insurance in all 3 of my properties, which has caused my mortgage payment to go up, because my escrow is short. Dealing with SLS has been one of the most difficult things. We own several properties and have never had such an issue with any other lender.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my serious concerns over the recent and recurring data breaches involving Equifax and XXXX XXXX. The repeated and reckless exposure of sensitive consumer data by these companies has put countless consumers, including myself, at risk. As an agency tasked with the protection of consumer rights, the CFPB must take decisive and robust action against these entities, who appear to have demonstrated gross negligence in safeguarding consumer information. 

The XXXX Equifax breach exposed sensitive personal information, including Social Security numbers, birth dates, and addresses, affecting approximately XXXX XXXX Americans. XXXX XXXX XXXXXXXX data breach was equally egregious, compromising the personal data of over XXXX XXXX individuals. These companies continue to operate under weak cybersecurity protocols that are clearly insufficient to protect sensitive consumer information. This type of negligence and lack of accountability is unacceptable.

Under 15 U.S. Code 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), consumers have the right to request that credit reporting agencies block fraudulent information that arises as a result of identity theft. I am formally demanding that the CFPB : Investigate and Enforce : Conduct a thorough investigation into the security practices of Equifax and XXXX XXXX. Consumers have a right to know how their data is being managed and that the CFPB will hold these corporations accountable for their reckless data protection practices. 

Enhance Regulatory Standards : Update and strengthen cybersecurity standards for credit reporting agencies and financial institutions. Current standards are clearly insufficient to protect consumers from identity theft and fraud resulting from breaches.

Impose Sanctions and Compensate Consumers : Issue significant penalties to these companies for each incident of data exposure and ensure that affected consumers are compensated accordingly. Any fines imposed should be substantial enough to discourage further data negligence.

Strengthen Consumer Rights and Protections Under U.S. Code 1681c-2 : Provide more accessible and clear instructions to consumers on how to block fraudulent information on credit reports and consider expanding these protections to address instances of data exposure due to company negligence.

Consumers deserve to feel safe and secure in their financial dealings, free from the fear of breaches due to corporate malpractice. Without swift and punitive action by the CFPB, consumers will continue to suffer while companies profit at the expense of our security and privacy. The CFPB has both the mandate and responsibility to protect consumers, and we expect nothing less than your commitment to upholding that responsibility. 

Please confirm receipt of this letter and inform me of the specific actions the CFPB will be taking in response to these critical issues. I await your immediate attention and resolution to this matter.
Product: Checking or savings account

The PNC Bank has been holding my money for almost XXXX weeks now. Any deposit made in my checking account, such as my paycheck, is taken out after an hour and I am left with XXXX dollars. I reached out to the bank XXXX times about this issue, and each time they tell me it is fraud. My most recent conversation with the Bank was on XX/XX/year> and I was told that someone else is taking the money out of my account, not the Bank. They said they would contact me with updates, but it has been 2 days and I havent received anything. The PNC Bank has not given me my money back, and they dont plan to any time soon.
Product: Vehicle loan or lease

Hi, My vehicle was in an accident in XXXX and has been inoperable since then. I told Santander of this back in XXXX but they did not put any extensions and it is being reported negatively.