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

I was a victim of Identity theft. I have filed a police report, FTC report, and signed a affidavit. I have disputed this fraudulent account on numerous times with XXXX, XXXX, and XXXX and no resolution. I have disputed this account directly with the creditor, Exeter Finance and no resolution.
Product: Checking or savings account

My debit card was locked due to me simply moving addresses. Cash App has locked my card and have requested the same documentation on three separate occasions to verify my new address. I have been waiting for at least 3 months for an update and when I call to check in no one can help and Im told to continue waiting. This is a complete scam because even though I can still send/receive money I have to constantly pay a fee to them to send my funds to another account to use my money instead of my Cash App card. Supervisors/Managers are never available to answer an escalation and the department handling my issue doesnt accept calls.
Product: Mortgage

In XXXX my husband and I purchase a XXXX home a lemon a money pit financed by XXXX XXXX NY, unfortunately in order to keep up to date with the mortgage payment we filed XXXX  XXXX for credit card debts, in XXXX We remain current on my mortgage payments until XXXX. Trying to maintain property we fell in default 2x and was approved for XXXX 2x for a modification loan. 
In XXXX XXXX after taking all monthly payment from us but never reporting them to credit bureau transferred our mortgage to Rushmore management. 
In XXXX  my husband needed an emergency heating system replacement in addition emergency repairs were also needed. we fell behind four months mortgage I reach out to the Rushmore management the services assigned by XXXX in XXXX. Rushmore management advised me to apply for another modification I kept calling them and emailing them every week for status updates and was ask to resubmit multiple times documents we were waiting for modification approval for 10 Months in XXXX of XXXX A modification offer was approved, doubling our monthly mortgage payment with a high interest, I denied the offer in writing explaining that we can not afford to pay higher monthly mortgage In XX/XX/XXXX my daughter who serve in XXXX XXXX XXXX was XXXX  for two months it was a very hard season to minimize stress In XXXX of XXXX I mailed a certified bank check to cover the 12 months now due to bring mortgage current, Rushmore refuse payment and returned certified check my home continued in illegally foreclosure process while waiting for a modification approval I applied for help when my loan was only four months delinquent servicer Rushmore management advised me to apply for another modification. 
To date Rushmore refuses to work with me directly and imposes additional attorney fees and foreclosure fees in which we can not afford to pay there attorney, Rushmore attorney have me In foreclosure settlement conference every month XX/XX/XXXXXXXX   is the next settlement conference I need help in keeping my home and holding XXXX and there attorney and servicer accountable for the mental physical stress this has cause me and my family and financial hardship my tax liabilities I had to pay because my mortgage payment was not credited See attached
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX, XXXX, GA XXXX NAMES : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My phone was stolen with my debit and credit card in the back of it on the XXXX XXXXf XXXX at a Diner around XXXX. 

I tried finding it but ended up just going home, next thing I know my email starts lighting up on my old phone. About payments made to a XXXX XXXX through the app Chime. 
The payments go as follows {$200.00} XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX XXXX {$250.00} XX/XX/XXXX XXXX {$50.00} XX/XX/XXXX XXXX {$150.00} XX/XX/XXXX XXXX {$200.00} XX/XX/XXXX XXXX I ended up finding my phone by a XXXX in my area abandoned somewhere hidden away. 
And immediately went back home and called chime support to dispute those 6 transactions, they filed the dispute and told me I would have to wait up to 45 Business Days, but didnt give me an exact timeline or course of action. They did mention a provisional credit but I have yet to see that. I just want my money back.
Product: Student loan

In XXXX my XXXX  and I were advised to jointly consolidate our XXXX and graduate loans. Looking back we recognize we were not fully advised of what this meant and that we would be locked in to the consolidation. I worked in public service for 14 years and have not been able to qualify for XXXX. The root of my complaint is the handling of my Joint/Spousal Consolidation and PSLF qualification. With the recent passing in the House to separate joint consolidated loans we may now be in a situation of not being able to make the deadline of the XXXX waiver on XX/XX/XXXX.
Product: Checking or savings account

I was just looking at my statement from TD bank. I do have over draft and maintenance fees .Then I looked at my Social Security check deposited and it is XXXX less than my original deposit.Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX violated my consumer rights 15 U.S. Code 1666b - Timing of payments 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report
Product: Credit reporting or other personal consumer reports

On XX/XX/year> and on XX/XX/year> I have submitted and resubmitted letters requesting proof of verification of a bankruptcy listed on my XXXX credit report under my public records. As of today, it has been beyond 60 days and I have not received any verbal or physical notice of proof of verification of this bankruptcy. I have reached out to the XXXX Bankruptcy Courts to ask how verification of bankruptcy is verified by them. I received a response in regards to the courts providing that bankruptcy is not verified by them directly to any credit bureau. That information was passed along to XXXX, after their investigation with their source XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX it was determined : data being reported as unverifiable. After XXXX investigation the information has been removed from their records. That information within a letter form has been passed along to XXXX for update on credit report, and no action has been taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion insists theres a fraud alert on my credit report. This is inaccurate and is preventing me from getting cell phone service from XXXX XXXX. Ive answered their security questions accurately and they still wont verify my identity. This is causing me alot of harm because of their inaccuracies.? 

Dates were XXXX/XXXX/2023
Product: Vehicle loan or lease

During a car loan with global lending services, my vehicle was picked up one day before I could made a payment. When I ask for my personal property the car loan company declined, a payment on the car and declined to return my personal property.
Product: Debt collection

I asked for a contract proving that these accounts held me contractually liable to pay them. They failed to send any information requested. they only sent a letter stating the amount owed. This in in violation of my consumer rights and the FDCPA/ Federal Rules of Civil procedure. I have contacted this company on numerous occasions requesting that they delete these false accounts. I know that the FCRA requires them to have proof the account is mines in order to report it to the bureau. CHOICE RECOVERY INC is reporting this false information. This company continues to contact without any proof or validity of the debt.
Product: Credit reporting or other personal consumer reports

According to a settlement agreement between myself and Flagship Credit Acceptance dated XX/XX/2022 for a Lawsuit for identity theft I filed against the Respondent they agreed to the following terms. 
Special Consideration. Within thirty ( 30 ) days of execution of this Settlement Agreement, Respondent further agrees to submit requests to the major credit reporting agencies ( CRAs ) to which it furnished information about Claimants Account, requesting by XXXX XXXX XXXX form ( XXXX ) that the CRAs report the account as paid in full for less than the full balance. To the extent that on the Effective Date of the Agreement Respondent has already submitted a request to the CRAs to remove the tradeline in a manner consistent with this Settlement Agreement As you can clearly see in the agreement the respondent stated that they put in a request to all the CRAs to REMOVE the tradeline in a manner consistent with the settlement agreement. And it should state paid for less then full amount. However this has never happened in breach of our contract. As you can see in the attached credit report from XXXX Moreover there is no provision in our settlement agreement that allows the respondent to report late payments. Which they are currently doing today. Its obvious the respondent has a problems reading their own contracts with comprehension and even a greater issue of following the contract. Also let me please remind the respondent that the settlement was reached because they defaulted for identity theft lawsuit and threatening to report fraudulent information to XXXX and XXXX when the person knows or should know it is fraudulent is violation of federal law and my consumer protection rights. Not to mention a breach of contract. I have attached again copies of my police report, FTC, identity, the settlement agreement and the respondents last reply. It is clear that Flagship Credit Acceptance has no problem violations 15 usc 1 Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. Every person who shall make any contract or engage in any combination or conspiracy hereby declared to be illegal shall be deemed guilty of a felony, and, on conviction thereof, shall be punished by fine not exceeding {>= $1,000,000} if a corporation, or, if any other person, {>= $1,000,000}, or by imprisonment not exceeding 10 years, or by both said punishments, in the discretion of the court.. My next steps will be to file complaints with the OCC, SEC and SOS respectively. I look forward to settling this breach of contract in federal court. And would like to thank the respondent for helping me collect my preponderance of evidence.
Product: Debt collection

My wife and I resided at XXXX XXXX XXXX  between XXXX & XXXX. Shortly after moving in we started getting charged with all these hidden fees like paying a monthly charge for a garage that we didn't have and didn't exsit. We were being evicted and we went to court. We had already found a place and was scheduled to move in XX/XX/XXXX. Before hearing our case the Judge had us talk to XXXX XXXX lawyer to see if we could reach an agreement. We agreed to pay the last two months rent we old and court cost. After we moved XXXX XXXX sent us this rediculous itamized bill for well over {$9000.00} and turned it over to collections National Credit Systems. I disputed the charges with XXXX  credit bureau and won the dispute. Now National Credit System has been sending me threating letters saying they're authorized to settle for half the {$9000.00} or they gon na send it back to the credit bureau
Product: Debt collection

On XX/XX/year>, I entered into a payment agreement with XXXX XXXX XXXX ( XXXX XXXX XXXX ) over a debt of {$10000.00}, originally owed to XXXX XXXX XXXX. However, on XX/XX/year>, approximately 79 days later, I was unexpectedly served a summons by Gurstel Law Firm, claiming that I owe them {$16000.00} for a {$10000.00} debt originally owed to XXXX XXXX XXXX. 
In pursuit of clarity, I contacted XXXX XXXX, who reassured me that they are indeed the rightful owner of the debt and I am current with our payment agreement and I provided this information through a phone call, mailed letter, and email. 
Despite this, on XX/XX/year>, Gurstel Law Firm forwarded me a packet of statements without any visible evidence establishing them as the rightful owner of my debt to XXXX XXXX. 
To exacerbate the issue, I received another summons from Gurstel Law Firm on XX/XX/year>, demanding payment for a supposed debt of {$3600.00}, allegedly originating from XXXX  XXXX. Upon my request for verification, Gurstel once again sent a non-comprehensive packet of statements insufficient in proving that the said debt belongs to me. 
In light of these events, it appears that Gurstel Law Firm might be employing deceitful practices to secure payments on debts I have either already addressed or are unfamiliar with.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX Whos XXXX XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and am baffled as to why theyre there. My routine check showed unexpected discrepancies. Refreshing the browser didnt change anything ; the unauthorized inquiries remained. This situation has me extremely frustrated, and I need assurance that the documents I sent will be thoroughly reviewed so I can finally put this issue behind me.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below. After several conversations with the credit bureaus and capital one. I noticed that XXXX  fixed the errors, however, i still noticed the dilemma on the other 2 credit report agencies. 

XX/XX/2018 - 30 days late for {$5.00}??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

This is a two-fold issue and I'll do my best to be brief. I recently made a mobile deposit of an {$1800.00} personal check into my checking account. The bank released {$500.00} of it to my account and held the remaining {$1300.00}. When I inquired with the bank as to why this money was withheld from my being able to access it, they stated that due to the number NSF 's I've had over the prior 12 months required the funds be held from access for 7 to 10 business days. They stated there was nothing they could do after I repeatedly told them that I needed that money released so I could pay my phone bill ( the only form of communication my family has ) and so I thanked them and hung up. 
I called back a few minutes later because I wasn't satisfied with my money just being held from me like that. This time, my complaint was sent up to the CEOs complaint desk, they took my info, and we hung up. 
In the meantime, I was curious about how many NSFs I actually had over the past year, since it apparently had some influence over my ability to use my account and access funds. I discover I had quite a few, which was not surprising XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It was a struggle to keep money in the account and keep bills paid. I burned up every cent of my savings and retirement to keep my family fed. All the while, as I'm struggling to keep money in the account, the bank is taking a {$29.00} fee from me for each occurence, culminating in {$840.00} in fees removed from my account over a year and a half. 
The next phone call, I spoke with the CEOs Manager of Customer Complaints and I'm told once again that theres nothing that can be done to release my money, nor can they give me back the {$840.00} in fees. They agreed to refund XXXX of the fee " occurences '' and no more. I told them that I was taking my business elsewhere as soon as was feasibly possible and we hung up. 
My complaints are : 1 ) That I have to be " punished '' by the very institution that holds my money by being forced to wait an unreasonably long period of time to access available funds. 
2 ) That a financial institution went back on their word by not doing everything within their power to take care of a financially struggling customer by choosing to keep {$750.00} in fees that they could have easily relinquished. 
I feel that my bank, a bank that that states publicly that they take care of veterans and XXXX XXXX personnel, took advantage of my situation for monetary gain. And added insult to injury by not giving me access to my funds.
Product: Credit reporting or other personal consumer reports

There is multiple names and addresses on my credit report Id like them removed immediately
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move XXXX
Product: Credit card

This store credit card company will only take payment if I give them my personal checking account information and will not allow any other form of payment. Id like to know if it is legal for them to only allow payment by me having to give them access to my checking account? It seems that is illegal and consumers have the right to make a payment via a secured payment method.
Product: Debt collection

I previously notified ARS that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts ending in XXXX and XXXX Remove any charges such as {$35.00} and XXXX on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately.Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report.Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC'sNotice to Furnishers, which explains your responsibilities when reporting information to CRAs.Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated : XXXX XXXX XXXX # XXXX PLEASE DELETE error I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. I have never done any business or open any contracts with XXXX XXXX XXXX
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did nit comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.