23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally address some inaccuracies I have discovered on my credit report from XXXX. Upon thorough review, I identified several reporting errors that have negatively impacted my credit profile. I have previously disputed these erroneous reports with the respective companies, agencies, and student loan servicers involved. Unfortunately, each response has reiterated that the reported information is accurate and that no changes will be made to my credit report. This situation has prompted me to invoke my rights under Title 15 of the United States Code, which pertains to commerce and trade, including protections against unfair reporting practices ( 15 U.S.C. 1681, 1681f ), and under section 623 of the Fair Credit Reporting Act ( FCRA ). In addition XXXX has experienced a data breach which made my personal information vulnerable to hackers. In light of this, I am requesting a complete deletion of the negative information from my credit record. I believe that the continued presence of these inaccuracies is unjust and detrimental to my financial standing. I appreciate your attention to this matter and look forward to your prompt response. Should you require any additional information or documentation from my end, please do not hesitate to reach out.
Product: Credit card

My wife and I signed up for a XXXX Capital One card that was supposed to give me 5 % cash back on all purchases at XXXX stores and XXXX for the first year. I got the card in XXXX 2024 and like a month later, Capital One is notifying me that they are terminating their deal with XXXX and will not longer honor the 5 % cash back I was supposed to get. I signed up for this card only for this offer and took a ding on my credit score which could cost me money on other things I buy and after only about a month of having the deal, I am getting screwed!
Product: Credit card

The company responded to my original complaint stating that they had misapplied 3 payments from the following dates : the XX/XX/XXXXXXXX  payment- which was sent from my bank on XX/XX/XXXX, received by Comenity on XXXX, and cashed on XX/XX/XXXXXXXX  ; the XX/XX/XXXXXXXX  payment- which was sent from my bank on XX/XX/XXXX, received by Comenity on XXXX and cashed XX/XX/XXXX ; and the XX/XX/XXXXXXXX  payment which was sent on XXXX, received by Comenity on XXXX, and cashed on XX/XX/XXXX. I have been in dispute about these missing payments for the past several months which they failed to investigate or resolve until I contacted the CFPB to file a complaint. They have finally applied the payments, but they are still refusing to correct fees associated with their error or prove that my account should have been reported to the credit bureau. Now, I have received yet another letter from them stating that they have investigated my account and they did not find an error. So they are still trying to negate the issue, turning it back on me and ending the paper trail with me being in the wrong. There is absolutely no regard for the distress that their error has caused me, they are just trying to cover themselves.
Product: Debt collection

My wife and was purchase engagement ring at XXXX XXXX and we thought the financing was a loan and when we started paying for the ring the jeweler the rep at the store said they couldn't receive a payment and I told them my husband has been paying at the store and this credit card company said we were supposed to pay them and we never received a credit card associated with this purchase. My husband went to the store and paid for the ring and they even discounted the sale of the ring because they understood that XXXX XXXX XXXX XXXX XXXX XXXX  and was unable to pay for the ring until a couple months ago. much to our surprise I received two large envelops from a law firm/collection from NY claiming we owed {$1800.00}. There is no verification that this is even my debt. there is no contract with my signature, the information is inaccurate and a lot of pages redacted which proves nothing even related to me. I see they are trying to file the motion to enter default judgement which is a tactic used by law firm that are debt collection agencies do and try to get the judge to sign these judgements hoping the people they file these motions against never respond. This letter is the first of me seeing anything of this accusation of debt.
Product: Mortgage

I am the executor of XXXX XXXX XXXX estate, who died on XX/XX/XXXX. I inherited his two mortgage loans. The first loan dated XX/XX/XXXX, loan was with Bogman XXXX in the amount of {$18000.00} with payment begin date of XX/XX/XXXX, with 240 months with an end date of XX/XX/XXXX, account # XXXX according to the Deed of Trust Note/Promissory Note. Bogman never request these payments to stop after the loan had expired on XX/XX/XXXX. I have never missed a payment with Bogman However, my father was on a fixed income and well pass age XXXX when these loans were taken out. I contacted Bogman XXXX XXXX when my father passed away it had only been two years and nine months Bogman in this contract. Bogman stated that this loan is considered default by death. Bogman could not explain the terminology. Do this mean we give loans to elderly people and once they died the mortgage company takes over the property after death. Bogman never request me to refinance the original mortgage. 

Once XXXX took over this loan # XXXX, I start having major problems. This loan was transfer to XXXX in XX/XX/XXXX. First, they claimed I did not have mortgage insurance. I sent them proof of insurance. Next claim they did not receive the information. They tried to increase the mortgage payment based on no insurance. They claimed I did not send the mortgage payments until I had to send the payment by certified mail. I still received harassing phone from different departments for other reason the payment amounts are not correct holding the payments in Escrow not posting causing late fees. Once XXXX discovered the loan contract they start send threaten letters of foreclosure on the property without explaining details the for the lump sum payment. XXXX is trying to force me to refinance monies on an expired contract. Indicating I need to pay {$15000.00} but still accepting the monthly payment in the process. I do not have {$15.00}, XXXX. If this mortgage company is requesting this money show why and where the error was made or existing loan contract. Provide some type of proof of the loan contract. I requested a copy of the loan contract from XXXX and they refused to send the contract instead sent the payment history for the period they serviced this loan. I recently received a letter from XXXX XXXX   with a returned check for XX/XX/XXXX from the Loss Mitigation office to contact their office. I called and the only explanation was given to me on XX/XX/XXXX maybe some payments was missed prior to you taken over the payments which is not true. I am still paying this mortgage as of now Both of these mortgage companies had every opportunity to review this loan every year for assessment of escrow for property insurance and county taxes and apply increase to short falls. If the principle mortgage was not satisfied based on the duration of the mortgage contracts. The loan move to numerous hands before being approved. This loan contract should have been verified by the loan processor and underwriting department before being assigned off.
Product: Credit card or prepaid card

I have a XXXX cart and money was taken off of my card from 2022 to current.The amount of money was taken off my card was {$3000.00}. I have no history of bank statements. Until XXXX of this year. The bank giving per visua credit. But the keep take the back.
Product: Checking or savings account

Description of the Issue : On start of XXXX XXXX, Bank of America blocked access to my account without providing any explanation or prior notification. Since then, I have been unable to access my funds or conduct any transactions associated with the account. This has caused significant inconvenience and financial stress. 

Communication Efforts : I have made numerous attempts to resolve this issue by contacting Bank of America 's customer service department on multiple occasions. Despite my efforts, I have not received a satisfactory explanation for the account blockage, nor have I been provided with a timeline for resolution. Each time I contacted customer service, representatives were unable to provide concrete information or assistance in resolving the matter. 

Duration of Account Blockage : The account blockage has been ongoing for over a month, exacerbating the inconvenience and financial strain it has caused. 

Requested Action : I am seeking intervention to prompt Bank of America to : Immediately reinstate access to my bank account. 
Provide a clear explanation for the account blockage. 
Compensate for any financial losses or damages incurred as a result of this issue. 
Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

In XXXX XXXX, I experienced unauthorized transactions on my XXXX XXXX Cash App account. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this situation has caused significant distress and exacerbation of my XXXX XXXX. Here 's the sequence of events : I detected unauthorized activity on my account and immediately reported it to Cash App Support in XX/XX/XXXX Filed a police report with XXXXXXXX XXXX XXXX ( Case # XXXX ) Despite my XXXX XXXX and documented XXXX, Cash App : Dismissed fraud claims without proper investigation Caused increased XXXX  through repeated denials and negative balance notices Ignored my XXXX  XXXX  and related protections Refused to close the account when requested Continued sending harassing negative balance notices from XX/XX/XXXX through XX/XX/XXXX This case aligns with the CFPB 's XX/XX/XXXX findings of " woefully incomplete '' fraud investigations by Cash App.
Product: Credit reporting or other personal consumer reports

Someone opens a line of credit using my information on XX/XX/2022. 
The line of credit was opened with XXXX, thus incurred a hard inquiry and credit limit of {$3900.00}. 
I've contacted XXXX about that fraudulent activity in which they said a dispute and a report to the fraud department will follow.
Product: Credit card

I have not been able to login to my account in months. I've called and I'm on hold for a long time and then they hang up.
Product: Credit card or prepaid card

I placed an order on XXXX on XX/XX/2020 ( Order # XXXX, Total {$35.00} ). The order was for paper back books and XX/XX/XXXX books. The seller only sent paper back books. So I got in contact with the seller and the seller asked for my shipping address on XX/XX/XXXX then provided a fake tracking number on XX/XX/XXXX. I initiated a chargeback with my Discover credit card and contacted XXXX right away. XXXX confirmed on XX/XX/XXXX that a refund was issued to my Discover credit card on XX/XX/2020 for {$20.00}. However, I never saw the refund in my card then contacted both Discover Bank and XXXX. Per XXXX customer service representative, XXXX issued the refund on XXXX XXXX and discover bank has my money. To my surprise it that Discover bank claimed I lost the dispute even when XXXX already admitted to me twice on XXXX XXXX and XXXX XXXX that XXXX had refunded me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Specifically cash app failed to take timely and effective action to prevent an address identity theft on their platform leaving my account and personal information vulnerable and unprotected. These actions have caused financial hardship and inconveniences.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX has violated my rights.

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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and while respecting the consumer 's right to privacy. Equifax and XXXX are recognized as consumer reporting agencies, and as a consumer, you hold the right to ensure the protection of your private information, as supported by 15 USC 6801.

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may only furnish a consumer report based on the written instructions of the relevant consumer. The financial institution, classified as the " Furnisher of information to credit agencies '' in this case, falls under the definition of a financial institution according to the relevant title. Therefore, both the financial institution and consumer reporting agencies such as Equifax and XXXX do not possess your consent to furnish your information, specifically without your written consent, as mentioned in the statute. 

Furthermore, 15 USC 6802 ( b ) ( c ) explains that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed of their option to exercise nondisclosure. In this case, the " Furnisher of information to credit agencies '' failed to inform you of your right to exercise the nondisclosure option, which is a violation. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency is not authorized to include certain items of information, including adverse items, in a consumer report without your permission, unless permitted under subsection ( b ). Therefore, their reporting of this adverse item without your permission is a violation of the law. 

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) stipulates that a person must not provide any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX are required to maintain reasonable procedures to avoid violations of section 1681c and to restrict the provision of consumer reports to the purposes listed under section 1681b, as outlined by 15 U.S. Code 1681e.

Lastly, according to 12 CFR 1016.7, a consumer has the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of their reporting services.
Product: Debt collection

I contacted this company after seeing if show up on my credit report! I told the company Ive never dealt with this company or the original company. The customer service did not give me any information and said the debt was mine, but couldnt give me information on the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit report due to fraud or error:Incorrect personal information reporting on my credit file:Telephone numbers: XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXCorrect Contact Number: XXXXIncorrect Account Status:There are 8 accounts reporting that I was late and I was never late.Dept of Education/XXXX  - I was never late.
Product: Money transfer, virtual currency, or money service

i have XXXX charges that were pulled from my bank ( XXXX XXXXXXXX XXXX ) for {$240.00} total XXXX. {$110.00} and XXXX. {$120.00} and XXXX {$0.00} i called my bank and told them what i saw and they said they could dispute it, after a couple days later i went to check on it and they said oh did noone call you, i said no, they said well because its considdered as a transaction we cant dispute it u will need to go though XXXX, so i called XXXX i told them about it, and they said ok we will open a dispute case, today i got the dispute case closed as it was ( authorized by me ) i call them back explained to them that again it wasnt me and need to speak with somone higher up as in a manager and so they took 23 min to transfer me to a manager just to say the same thing and then he hung up on me as he said there was nothing else he can do i called back, i aksed for manager again i get someone and they said beause it was authorized and already had a dispute case open and closed we cant reopen it! and proceded to hang up! on me im furious with this company
Product: Mortgage

On XX/XX/2023 XXXX and I were arranging a closing date to sell my house. We were scheduled to close XX/XX/2023. On XX/XX/2023 I received the following email from XXXX  : XXXX, We are waiting on a payoff from XXXX XXXX XXXX ( who is the primary servicer for your HUD loan ) that is currently being worked on with their research department. 



I am told this could take up to 10 days business days. 



I am able to call on Monday for an update and will let you all know at that time if we will have it in time for Tuesdays closing or if we will need postpone closing. 



I will keep you in the loop. Sorry for the bad news. 

Since XX/XX/XXXX between XXXX and I at XXXX  we have been on the phone with XXXX XXXX  XXXX, HUD and XXXX ( where my loan is currently ) for several hours trying to get someone to release the lean on my mortgage in order for the title to be obtained so XXXX has the correct payoff amount and we can go forward with the closing on my house. 

On XX/XX/XXXX I was also told by HUD to make a portal with then and I could receive the information that way. Below is the email I received from them : XX/XX/XXXX Thank you for contacting the FHA Resource Center, RE : Partial Claim - a HUD lien payoff request Dear XXXX XXXX, Thank you for contacting the FHA Resource Center regarding a HUD lien payoff request. Your Service Request Number is XXXX. The information below is being provided to XXXX XXXX XXXX, Your SMART Integrated Portal account request was denied : We do not have record of any outstanding partial claim/loan balance for this property. If you believe there should be, please contact your mortgage servicer. XXXX XXXX if you have further questions. 

Please contact XXXX if you have any questions or concerns. 

Thank you, HUD SIP Customer Service This is an automated message from the SMART Integrated Portal System. 

This email was sent on Friday, XX/XX/2023 on XXXXXXXX XXXX All 3 business state they have no record of this and they all keep telling us to call the other business for the information. We have been going in circles and I was told today that I need a real estate attorney to get this done. This is costing me money I don't have with needing an attorney and still having to pay for my house since we can't close. 

Is there anything else I can do in the meantime to try to expedite this? 

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

I have sent letters to Credit Reporting Agencies Transunion and XXXX  for the following FCRA violations : 1.Pursuant to 15 USC 1681b ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give these credit reporting agencies any written instructions to furnish the following inaccurate accounts.

2.Pursuant to 15 USC 1681a ( 2 ) ( b ) a consumer credit report should not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. They are in violation of the above-named Title and Section.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Product: Consumer Loan

I got an email saying I owe from a company I never took out a loan from.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020 someone using my personal info tried getting a payday loan in my name. XXXX  was no help
Product: Credit reporting or other personal consumer reports

This account was opened on XX/XX/XXXX, was charged off and closed on XX/XX/XXXX. The account is NOT in COLLECTION. By the result of your last investigation Experian verified that XXXX continued to make Collection on this account after the Charge Off. The date of last payment being XX/XX/XXXX. I request to see the Legal authorization by which XXXX serves as a Collector. I also request to see the Legal authorization of XXXX to engage in Double-dipping. This illegal and unethical practice has violated my consumer rights.
Product: Credit card or prepaid card

Since XXXX XXXX, 2017 I have been trying to get XXXX XXXX to remove more than {$1500.00} of disputed charges from my account. Earlier in XX/XX/XXXX, JCPenney refunded {$1200.00} in charges for items I never received but still refuses to accept returns of merchandise and credit the remaining balance. XXXX XXXX continues to claim they " are investigating ''. I have repeatedly ( FIVE separate times ) informed XXXX XXXX that my ENTIRE BALANCE is in dispute which should mean that interest is not being calculated on the disputed balance and that payments are not required on the disputed balance. However, since I opened this dispute, my account has been assessed late charges and interest charges and I have been hounded incessantly, as if my account were past due. I have received collection e-mails, phone calls, and the online status on my account shows " past due ''. To top it all off, on XXXX XXXX, 2017, they reported to the three major reporting agencies that my payment is 30+ days past due. I have excellent credit and am greatly frustrated and angered by these inappropriate collection activities. Additionally, this inaccurate reporting is adversely affecting my ability to obtain additional credit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We received a letter from North Shore Agency saying to collect a debt that we have no clue about. When I tried to call the phone number to dispute the claim, it has no record of the account number. I did email. It all seems very suspicious. It states to go to the website to see rights under federal law, but it isn't a working website. I'm very worried that it is a scam. I don't know how to tell, because I can not call and find out anything about the debt. IT says it's for XXXXXXXX XXXX XXXX