23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

This {$200.00} Visa prepaid card was bought at Kroger but it will not work. I called the number on the back and they said that I needed to fax them my driver 's license and give them my social security number. ( which is not about to happen )
Product: Credit card or prepaid card

Dear CFPB, I am a Bank of America customer for about 10 years. 

XX/XX/2022 : I have received an email from XXXX stating that they have increased my credit limit ( I have not requested for this increase ). 

XX/XX/2022 : I did a chat with Bank of America representative to check about this. They provided me a case # XXXX and requested me to call XXXX to get more details about it. 

XX/XX/2022 : I reached out to their customer service number, they advised me to wait for a couple of weeks to see my increased limit on my end. 

I have never seen increased limit on my side. I went to my local branch on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Now they try to say that that they don't see that email at their end, though they were able to confirm that XXXX is their authorized sender, but for some reason they are not seeing that email on their end. I am ready to forward that email to them, but they say they do not have any email id where I can forward the email. I feel there is a privacy concern on my account where I got an email from Bank of America and they are not seeing the same communication. I have created couple of complaints regarding this, but there is no satisfactory response from the bank. Complaint Numbers # XXXX, XXXX. 

Thanks and Regards XXXX XXXX XXXX
Product: Mortgage

THIS IS STILL NOT RESOLVED! and cfpb I need to add you to my complaint. When are you going to investigate this and do something about it! 
This has been over a year now that I have been trying to resolve this. It's lakeview loan servicing/my loan care that made the mistake! 
They overpaid my taxes. They didn't even wait for the bill. AND THEY DID IT AGAIN and AGAIN! They sent {$1000.00} XXXX20 and {$260.00} on XXXX2020. That's like double that was due! 
THIS SUSPENSE ACCT XXXX IS JUST ANOTHER SCAM FOR THE MORTGAGE COMPANIES TO RIP YOU OFF! 
If they wouldn't of sent {$1000.00} instead of the XXXX that was actually due, I never would of needed any suspense acct! I paid exactly what my closing papers showed for the first year - which was correct. Instead of having {$590.00} in my escrow acct after they paid my insurance Loancare shows me as having an escrow shortage. AND IT JUST KEEPS GOING MONTH AFTER MONTH! WHEN IS SOMEONE GOING TO GET OFF THEIR XXXX AND DO SOMETHING. I am dealing with XXXX   XXXX XXXX and I don't need this XXXX!
Product: Credit reporting or other personal consumer reports

I am filing a dispute regarding the XXXX  XXXX account, which was reported on my TransUnion Credit Report as of XX/XX/XXXX. The account, opened on XX/XX/XXXX, was closed in XX/XX/XXXX with a reported {$0.00} balance. The account status is listed as Paid or paying as agreed. 

The dispute for this account was marked as resolved by the grantor. However, there appears to be an issue with the way the dispute was handled or reflected on my credit report. The account should show that the balance was paid off or settled, but there is insufficient detail regarding how the dispute was resolved, which is impacting the accuracy of the information being reported. 

The account was opened with a {$300.00} credit limit and closed with a {$0.00} balance by XX/XX/XXXX. However, the report does not clearly explain the final status of the dispute resolution, and it is not clear whether the dispute resulted in an error in reporting the account balance or its status. 

Under 15 U.S.C. 1681 EB, I am requesting that the information regarding this account be verified, and if any discrepancies are found in the dispute resolution process, they be corrected. Additionally, I request that TransUnion provide an updated report once the necessary corrections have been made to ensure the accurate reporting of the account status, balance, and any dispute resolution.
Product: Vehicle loan or lease

We have had issues with the car my son purchased it from XXXX XXXX in XXXX Florida I co-signed with him and in the meantime his car was vandalized it had XXXX cut wires and the company it was a XXXX XXXX XXXX XXXX XXXX did not want to fix it they supposedly tried XXXX refused to fix it they said they weren't going to fix it I also did a claim against the insurance and they did not want to fix it so we took it back to XXXX XXXX and again they refuse to fix it they gave my son a loaner car several times claiming they were going to get it fixed and still refuse to fix it so we left the car there took all of his stuff out took his tag off the car and told him they can have the car we were not going to pay {$540.00} a month due to the fact that the car was vandalized and nobody was going to pay for it to get it fixed even though it was under warranty it had a warranty XXXX warranty from the time that he purchased it he got it in XXXX of XXXX and gave it back in XXXX of XXXX because he could not get it fixed because everybody refused to fix it I have communicated with Consumer Portfolio Services which when I look at their website they have had several bad reviews so I need something to be done about this I need to be taken off of our credit because I'm not going to pay for a car my son 's not going to pay for a car that we do not have and I don't think that we should be penalized due to the fact that we do not have his car and everybody failed him and refused to fix his car
Product: Debt collection

Theyre trying to collect medical debt for me from XX/XX/XXXX or XX/XX/XXXX and I have made several attempts to contact them through a credit attorney and me personally and with it continue to leave messages and send letters about a medical debt this year and Ive had XXXX since XXXX and I provided my medical insurance when I was at that hospital XXXX XXXX XXXX.. I dont owe them anything XXXX XXXX has already been paid And if it doesnt work which it should I was so also if I didnt have insurance that the presidents or the Congers cares act with pay for medical service consider that I had XXXX
Product: Credit reporting or other personal consumer reports

I have had issues with my inaccurate information being reported on my credit report and I sent a certified letter to Transunion, along with a copy of my drivers license and proof of address via a utility bill, to verify the validity of the inaccurate information or to remove the information immediately. Instead of doing either of these, Transunion instead sent me a letter as a stall tactic which violates the law. The certified letter was sent and received by the company, TransUnion about 18 days ago.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint concerning LENDINGUSA ( Account Number : XXXX ) due to inaccurate reporting on my credit report. Despite several disputes, the incorrect information has not been corrected or removed, significantly harming my credit score and misleading potential lenders about my financial history. I have contacted LENDINGUSA and the credit bureaus multiple times, yet no action has been taken to address these errors. The continued reporting of false information is causing me financial distress and limiting my ability to secure credit.
Product: Consumer Loan

I had XXXX conn 's accounts opened in XX/XX/XXXX which are falsely reporting on my credit. 

Acct XXXX opened XXXX XXXX was a 40 month term and the account was paid off in XXXX which is 14 months later the account has been reporting derogatory as a collection account that was settled after it was closed which is in violation of the fcra. This account was paid off and needs to be updated to reflect positive standing. I will be following up my complaint with the office of the consumer credit commission and the Texas state attorney general of this account is not removed from all XXXX credit reporting agencies immediately. Attached you will find the payoff payment made XX/XX/XXXX. 

Acct XXXX opened XXXX is reporting closed XXXX which is incorrect the account was charged off and placed for collections. with a XXXX party company in wowed well as other discrepancies. I am requesting deletion of this inaccurate information from my credit file. 

It is the duty of the credit furnisher to report account information accurately and to maintain the customer 's integrity in its reporting as per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION started my disputes with trans-union on XX/XX/XXXX and since then have sent more letters ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) disputing various items on my account. Some have been deleted upon not being able to verify but others till remain and have not shown proper verification under the FCRA rules and regulations namely : XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as they have not been able to verify with supporting documentation the validity of the debt. 

XXXX  As with Transunion, I sent request for validation of the debt on my credit report and no proper documentation under FCRA rules and regulations have been submitted to me justifying the debt. Namely : XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX AS with both transunion and XXXX, items on my credit report were disputed and supporting documentation requested was not submitted. namely : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. These items need to be deleted as documentation establishing validity have not been submitted as requested. 

XXXX XXXX : These Company which allegedly hold a capital one debt in my name hasnt been able to supple subsequent documentation to validate the debt under the fair credit reporting act and has reported to the credit collection bureau without proper validation. And thus needs to be deleted from my credit file.

In Closing all these companies have been given ample time to validate the debt on my file with supporting documentation and have failed to do so. 
Im hoping to resolve this matter with a deletion from my credit file as these items have caused me some distress. 
Thank you
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I ordered items from XXXX on XX/XX/XXXX XXXX {$120.00}. I have a Direct Express text alert setup on my phone. The charges on XX/XX/XXXX kept popping up individually for things I ordered on that day. Then today XX/XX/XXXX another {$120.00} was charged to my card XXXX same thing ) I have been double charged. Also I have unauthorized charges from XXXX totaling up to {$39.00}. I was only refunded {$19.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the CFPB on XX/XX/2023 and Equifax came back with a letter stating that the information submitted and what they have on file do not match. even though I sent in a Dl and light bill. This is a delayed tactic for them to delay the process. I will submit again here as to what I submitted to them. Here are the laws the company has violated.

15 USC 1681i ( a ) ( 4 ) Under the FCRA15 U.S Code 1681 ( a ) ( 4 ) I am a federally protected consumer and I have the right to privacy. Ignoring this law is in direct VIOLATION of MY PRIVACY of 15 USC 1681 and all its subsections.

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 consumers 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 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 USC 1681i ( 6 ) ( B ) ( iii ) A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, 15 USC 1681b ( a ) ( 2 ) clearly states that 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.
Product: Credit card or prepaid card

Hello, In early XXXX I paid {$550.00} to place an online bet. After paying, I found that my bet couldnt be processed due to the size of the bet. I spoke with the merchant by phone and they agreed to a full refund and to close my account. 

The refund never occurred though they closed the account, and so from there I initiated a chargeback with synchrony financial. Following the charge back they sent a letter requesting additional information ( receipts, etc ). I called them and told a CS agent I didnt have any receipts, it was a phone conversation but that I received 0 goods and the charge was improper either due to no refund or no goods sold. They said okay and I was set to go. 

Two months after this, my chargeback was closed due to lack of feedback by paper. I called immediately, explained what happened and started a new chargeback. When I got the notice this time I sent paper in because apparently only paper is accepted and they dont train their CS agents on this tidbit. 

Four months into it ( today ) I get a letter saying the chargeback has been closed due to lack of paper evidence the charge was improper. I have no refund info by email because it was a phone conversation but my account was closed and I received 0 goods. I called their CS again and they said theyre going to reopen it under a different designation to hopefully settle this issue. 

Its been 4 months, most likely 6 months until this gets resolved. The CS agents are poorly trained and the department that handles these disputes hasnt called me once to discuss this. It seems all they do all day is decline chargebacks so they dont have to work? Its a fradulent charge if I havent gotten anything for my charge. CS agents state all I can do is reopen the dispute and try again. 

This situation is screwed up for me but also the bank. Ive spent at least {$50.00} of their payroll talking with CS agents, and probably {$3.00} or {$4.00} in postage. I would love to get this resolved by the time Im XXXX ( XXXX now ).
Product: Mortgage

I paid all my payments on time to Flagstar Bank while I was in the Federal Emergency Home Loan Program and on the FHA HAMP Loan modification program and Flagstar Bank did not apply my money to the account level in a timely manner. Instead they put my money in a suspense account and applied it to the account level whenever they felt like it. Now I have been trying to obtain a release on the FEHLP contingent lien since XX/XX/XXXX and have had a denial thus far and not even a reduction of 20 % per year for four of the five years which are not in dispute. They claim that I was delinquent in XX/XX/XXXX ; however, please see attached documents because that is not true. Also I was able to remain current on the FEHLP and still enter the FHA HAMP program under the " imminent default '' option to get into the FHA HAMP. In short, I did not have to be delinquent to get into the FHA HAMP. Flagstar had treated me as a delinquent the entire time I was being serviced by them when in fact I was current. They did a " lockout '' where they switched the locks on my front door. They have been coming into my home and on occasions small items were missing or damaged. I think they worked with other creditors of mine to help them collect their money from me in violation of the Fair Credit Reporting Act. They have reported me to the three credit bureau reports as delinquent even to this day for periods of time when I am in fact current. Please see attached letter from the former President of Flagstar Bank. I have contacted numerous local,  state, and federal agencies to help with no success. I am looking for the release of the contingent lien and for a XX/XX/XXXX 1099 form for the forgiveness of debt and for my credit bureau reports to be corrected to reflect current and for interest on my money while it was in the suspense account, and for reimbursement of my locks. I should get more money for intentional infliction of emotional distress ; however, I realize that is very unlikely.
Product: Money transfer, virtual currency, or money service

I am filing 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 make timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution processe was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Professional Account Management continues to send me collection letters, despite me notifying them I am in bankruptcy. 

The bankruptcy case is XXXX. My attorney name is XXXX XXXX. 

Bankruptcy filed on XX/XX/2023. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Ph : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts on my credit reports and I've disputed them several times with the companies and Transunion and XX/XX/XXXXand they are still stating these are mine without properly verifying with my signature. Please remove the following fraudulent accounts immediately, thank you. 

Account Opened Amount XXXX XXXX XX/XX/XXXX {$37000.00} XX/XX/XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I pulled my three credit reports from XXXX, Equifax, and XXXX. I noticed an account : XXXX XXXX XXXX was listed on XXXX, Equifax and XXXX. I submitted a dispute to XXXX, Equifax and XXXX to have account deleted, as this account was paid. 

On XX/XX/23, I was notified that account was deleted from XXXX, but not from Equifax and XXXX. Both Equifax and XXXX reported the account as verified and accurate.
Product: Debt collection

My auto loan is due on the XX/XX/XXXX ND of each month I talked to them several times letting them know my situation has changed. After a year of continuous on time payments I have only been late 3 or 4 times. They start to call on the XXXX and call all the way even on Sundays which that is against the law I thought for Texas. One day they even called continuous just because I owed a late charge of XXXX. That 's after I made a payment 2 days before. They also harrass my wife 's phone at XXXX XXXX XXXX. Why do they call her since they say she could n't be on the loan. What can I do? The name of the company is credit acceptance @ XXXX.
Product: Credit reporting or other personal consumer reports

2022 to current please provide the original application thats shows the signature that was used. Please provide a copy of the identification or drivers license that was used. Please provide any information that proves the XXXX XXXX Credit Card that was fraudulently opened in my name actually belongs to me. Ive filed several claims with the bank stating that money was taken from my account without my authorization. Please provide any and all identifying information to prove this account actually belongs to me. XXXX bank helps and supports identity thieves by not properly doing its due diligence when investigating and reporting fraud!
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX 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: Debt collection

on XXXX XXXX 2016 I was contacted by convergent collections. They indicated to me that I owed XXXX the amount of {$100.00} for a modem XXXX claims I never returned. Knowing that XXXX is an unscrupulous Company and having never dealt with a collection agency before I responded by immediately writing a check for the amount of {$100.00} and mailing it to XXXX PO Box . This amount was withdrawn from my checking account on XXXX XXXX 2016 by XXXX. I have requested and received a photo copy of the cashed check which has XXXX XXXX 's endorsement on the back of the check and the confirmation number XXXX. After repeatedly notifying XXXX and convergent collections that I have paid my balance, they refuse to acknowledge receipt of my payment.
Product: Credit reporting or other personal consumer reports

I was recently looking at my credit report and saw fraudulent accounts and it is damaging my credit severely