23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : $ XXXX Late payments should be consistent between all 3 bureaus need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. 

XXXX XXXX XXXX  XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.
Product: Debt collection

I recently applied for a credit card so I could earn points for flying. I was denied the card so I immediately started looking at my credit report. 

On XX/XX/2017 I had a hospital bill sent to collections that I wasn't aware of by " XXXX XXXX XXXX ''. I don't have any other history of this sort of thing on my credit report and don't think I was notified properly and made aware of what exactly I was being charged for. I think there was really just a lack of communication here.
Product: Mortgage

On XXXX I met with First American Title Company to process the closing of my mortgage refinance. Part of the deal, as stipulated by the bank, was for them to withhold some of the money owed to me and use it to pay XXXX credit card bills : XXXX and XXXX XXXX, around $ XXXX in total. 
As of today, XXXX, none of these bills was paid. Their representative, XXXX XXXX, did not return my calls for the past week, and yesterday, abruptly notified me by email that they put a stop payment on the check that they supposedly sent to XXXX and XXXX XXXX, and they will send replacement check to me personally, so I can forward these to the CC companies. He did not ask or receive my authorization to cancel these checks, instead refusing to take my calls and avoiding any communication with me. I questions whether these checks were timely sent at all. 
In the interim my CC bills risked becoming past due, and accumulate fines and interest ( I always pay these on time to avoid interest payment ) so I paid them myself. Not sure what to do with the checks that First American is about to send to me. They suggest that I send these to the CC companies, have them cash the checks, and then ask for a refund, once my account has a positive balance. This is time consuming and expensive. At the end it will take me over a month the recover the money due to negligence on the part of the title company.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX
Product: Mortgage

My loan was purchased by another lender and the servicer for them is Selene Finance. I was in the middle of a modification due to covid with previous servicers and completed it on time but every since Selene got the loan in XX/XX/2020 they keep saying my modification is in underwriting and they cant take my pmnts. I have tried twice a week since XX/XX/2020 to call and speak with supervisors and make them take a pmnt and they say they have to have someone override their system to take a pmnt and no one is available to override. I can not make a pmnt online or through the automated system. I have not received foreclosure papers but I keep getting monthly statements saying I'm 9 months behind. Several reps through my weekly calls tell me NOT to make a pmnt because it will mess things up. They say I have unapplied money. The reps and supervisors also see the notes and say that the company is being weird with my mortgage and they don't understand and do not know what to do other than send it to their manager and when I call again the last note was sent to manager and nothing is ever done.
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 violates 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 not 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.
Product: Credit card or prepaid card

I applied for my first Platinum card with American Express because they were giving away XXXX bonus points if you spend XXXX in 3 months. I was approved for the American Express Platinum card on XX/XX/19. Since there have been complaints that American Express has been withholding these bonuses from customers, I checked with customer service to confirm I was eligible for the offer. I contacted customer service twice before receiving my card in the mail to verify my eligibility. Customer service informed me on both occasions that I was eligible for the sign-on bonus. They told me to call back once I activated my card and they could tell me the exact sign-on bonus. I called again after card activation. Customer service informed me that I was approved for the sign-on bonus and would receive XXXX points once I spent XXXX in 3 months. I should disregard any notices that stated that I wasn't eligible. A representative at American Express stated that the sign-on bonus promotion code was visible on my account. 

I began putting every single one of my purchases on my credit card to make sure I met the minimum spend to receive the sign-on bonus. After I reached the minimum spend, I called American Express back, and they told me I was not eligible for the bonus. I would not receive any bonus points. 

I escalated the case to the executive office on XX/XX/19 who stated they researched the matter, listened to all recordings. Even though multiple advisors told me I was eligible, I am not. They would not honor anything the multiple advisors told me, and I would not receive the XXXX points. As a consolation prize, they would give me XXXX of points instead. I also escalated this issue to the XXXX  on XX/XX/19. I received notice from American Express stating that they would not honor what they promised me.
Product: Vehicle loan or lease

Deceptive Misrepresentation of ADVERTISEMENT- FRAUDULENTLY CHANGED PRICE ON FINANCE CONTRACT AFTER SIGING Dealership Fraudulently changing finance contract DOLLAR AMOUNT I wanted to return the purchased vehicle immediately, next day XX/XX/XXXX Traveled from XXXX XXXX XXXXXXXX XXXX located in XXXXXXXX XXXX to purchase XXXX XXXX XXXX XXXX XXXX for advertised online purchase price {$44000.00} XXXX  XXXX XXXX MISREPRESENTATION/Deception/Fraudulently AFTER signing financing contract the financing contract was FRAUDULENTLY changed increasing purchase price of vehicle over {$10000.00}. XXXX FRAUDULENTLY added ADDITIONAL add-ons after signing in the amount over {$8000.00}. Total fraudulent charges {$28000.00} dollars. 
XXXX as well violated consumer right of choice for financing. They placed the financing as by here pay here. WE CLEARLY ADVISED ON XX/XX/XXXX during transaction we DID NOT WANT THIS. On XX/XX/XXXX at approximately XXXXXXXX XXXX in less than 4 hrs of vehicle purchase contacted a representative at XXXX XXXX I ADVISED THE VEHICLEs IMMEDIATE RETURN to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit card company ( Revvi ) was reporting the month of XXXX XXXX  as late on my credit report. After speaking with them about this reporting they reversed the late charge and assured me the reporting would be corrected and suggested I dispute it with experian for faster results on my report. I disputed the reporting with XXXX  and provided documentation showing the reversal for 2 late payments. XXXX gave me an update claiming the merchant ( Revvi ) validated the late payment. I then contacted Revvi and they informed me that they have already reversed the late charges and they no longer have it in their account history as a late payment. I contacted XXXX to inform them of Revvis response and they had me file another dispute with the same documents as the last. It seems neither XXXX or Revvi can make sense of why this late payment report is still showing so I am contacting you all in hopes of a resolution.
Product: Checking or savings account

Chime decided to close my account on XXXX XXXX while I had a credit of {$680.00}. They said it would take 30 days after my account closed to have a check mailed but they didnt send me my refund check till 2 months later and the check is not in full. Still pending {$220.00} when I asked what happened they said that the dispute was reversed and thats why they charged the credit again. I asked for a copy of the proof of documentation that the dispute department used to determine if the charge was correct and the documentation clearly stated that there was an error in the transaction. Therefore my credit was valid. When I brought it to their attention one agent agreed and said she would escalate it and I would have my funds sent to me immediately but its been a whole month now and when I call for an update they said I have to wait till XXXX
Product: Vehicle loan or lease

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

On XX/XX/21 I sent letters to the bureaus regarding inaccuracies and unverified accounts on my credit report. Its 45 days later and I have not received a response. Section 611 ( a ), states that a failure to investigate and no response within 30 days gives reason for these inaccuracies to be removed and deleted immediately off my credit report.
Product: Checking or savings account

Re : XXXX We address that matter to consumer protection bureau, no use. 

Till we went to XXXX XXXX XXXX XXXX, with the case manager XXXX XXXX kind help and diligent work, we finally received a letter today that dated on XXXX XXXX, XXXX, from the bank of Wells Fargo ( later shorten as WF ), it finally admitted that my mother has never owed any money from them. See Attachments. 

But in that letter, it didn't mention whether WF allows my mother to open her checking account, or honor the welcome bonus, or how to comp the stress and time-consuming the bank caused for us! 

WF 's attitude is insincere, contemptuous and condescending. 

PS : We tried to response to the complaint, but the site can't direct us to, so we have to open a new complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX  XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ Company Name ] for violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681 Section 602 A and 15 U.S.C. 1681 Section 604 A Section 2. This complaint pertains to inaccurate and misleading information reported by [ Company Name ] regarding several accounts associated with my credit profile. 

The following accounts are at issue : XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX It has come to my attention that these companies have inaccurately reported information related to these accounts, which has had a detrimental impact on my credit score and financial well-being. Specifically, the reported information does not accurately reflect my financial obligations or payment history. 

According to 15 U.S.C. 1681 Section 602 A, consumer reporting agencies such as [ Company Name ] are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information provided to creditors. However, the information provided by [ Company Name ] regarding the aforementioned accounts is demonstrably inaccurate and misleading.

Furthermore, under 15 U.S.C. 1681 Section 604 A Section 2, consumers have the right to dispute inaccurate information contained in their credit reports. I have attempted to dispute the inaccuracies associated with these accounts directly with [ Company Name ], but have not received a satisfactory resolution. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action against [ Company Name ] for its violations of the FCRA. Additionally, I am seeking prompt correction of the inaccurate information reported by [ Company Name ] and restoration of my credit profile to its accurate state. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving this issue.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccurate information on my credit report maintained by Experian, as required by the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ]. I have previously disputed this information with Experian, but they have failed to conduct a reasonable investigation and have improperly reinserted the inaccurate information onto my report. 

**Details of Dispute : ** 1. **Credit Report Information in Dispute : ** I dont know anything about these accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and inaccurate late payments are being shown. 
XXXX. **Date of Dispute : ** XX/XX/year> XXXX. **Experian 's Response : ** Experian conducted a sham investigation and failed to remove the inaccurate information. Instead, they reinserted the same inaccurate information after the dispute was resolved.

**Violation of FCRA Codes : ** 1. **Section 611 ( a ) ( 1 ) ( A ) : ** Experian failed to conduct a reasonable investigation into my dispute, as required by FCRA [ 15 U.S.C . 1681i ( a ) ( 1 ) ( A ) ].

2. **Section 611 ( a ) ( 5 ) : ** Experian failed to provide me with a written notice of the results of the reinvestigation, including the business name, product, and the nature of the information upon which the reinvestigation was based [ 15 U.S.C . 1681i ( a ) ( 5 ) ].

3. **Section 611 ( a ) ( 6 ) : ** Experian failed to remove or correct the inaccurate information from my credit report [ 15 U.S.C . 1681i ( a ) ( 6 ) ].

I request that the CFPB investigate Experian 's practices and take appropriate action to ensure compliance with the FCRA. Additionally, I seek compensation for any damages incurred due to Experian 's violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I originally submitted complaint : XXXX. Basically, I thought the income difference between what I reported and what BofA reported was a result of the settlement with XXXX XXXX. In BofA 's response to this complaint, they sent the attached letter clearly showing it was a result of a foreclosure sale on the property on XX/XX/XXXX. My concern is that I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX and declared this property in the case. On XX/XX/XXXX I was successfully discharged. 

There are NO tax consequences for debts discharged in bankruptcy. So should NOT be taxed on what they did n't get at the foreclosure sale. The bankruptcy protects me from that tax. Here 's the link to the XXXX website that says that. XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting act, this creditor XXXX XXXXXXXX and Flagstar Bank has violated my rights under 15 USC 1681 section 602, states i have the right to privacy 15 USC 1681 section 604 section 2, it also states a consumer reporting agency can not furnish an account without my written instructions under USC 1666b. A creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late payment for any purpose. Please remove this late payment immediately as you are violating the law.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find incorrect accounts listed on my credit report, and I have no idea what caused it. I routinely check my report, but this time, I found discrepancies that appeared out of nowhere. I thought refreshing my browser might fix it, but it didnt helpthe inaccuracies are still there. I urgently need the documents I provided to be thoroughly examined so I can finally stop worrying about this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

chase bank keeps allowing someone to try opening charge accounts in my name. I have tried contacting but the number is not a working number I think identity theft is the problem someone has tried opening accounts 8 times with chase bank as recently as XXXX XXXX XXXX and about every month or so since XXXX a police report has been filed in XXXX at the XXXX police department I would like this removed from my report I have sent copies to the bureaus but not taken care of. XXXX fixed it but not XXXX or XXXX seems to ignore the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on XX/XX/2020 i've been sending disputes letters regarding Inaccurate and Unverifiable information on my credit report to the credit bureaus that they're refusing to send proof of documentation of my signed signatures on any application or contracts regarding my credit file. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In results of your investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to Promptly DELETE all information which can not be verified. 

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX : 1. 
XXXX Account Number : XXXX Please remove it from my credit report immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

Experian : 1. 
XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

XXXX : 1. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report Immediately. 

2. 
Account Number : XXXX Please remove it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I ask experian to dispute account thats unauthorized by me. I sent identity theft paper in and everything they need to kno I dont own what in my credit report and they keep sending it in as verified also address that I never stay they wont delete them as well.. 


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

I ran my credit report via XXXX XXXX  on XX/XX/XXXX. On XXXX report there was a hard inquiry from SYNCB/JCP which apparently occurred on XX/XX/XXXX .I called the phone number listed on the inquiry and spoke to a rep which ran my social and said there was no inquiry made they had no information pertaining to me. I then called XXXX and was told they could only remove the information from my report if I submit a deletion letter from the company who made the inquiry I told them SYNCB/JCP said they have no info on the inquiry in question then was told to have them mail me a letter stating they have no information or account with my information. I called back to SYNCB/JCP   and was told since there is no information they can not send me anything in regards to the inquiry however the rep I spoke with said she can guarantee there is no account and no inquiry with my information I said well if you guarantee it I will be needing a letter stating that so I can remove this from my credit report. I was told again no letter can be giving being there is no account info or inquiry on file. All I want is for this inquiry to be removed from my credit report.
Product: Payday loan, title loan, or personal loan

This is a Truth In Lending Act ( TILA ) complaint against the Lending Club which is now a XXXX Bank. The complaint arises from a suspicious loan they made on XX/XX/XXXX although the company has refused on numerous occasions to provide information requested about the account ( in violation of federal laws ) I, thorough my own investigation have learned that they made the loan through an e mail account " XXXX '' and collected payments of {$950.00} though XX/XX/XXXX this is a total of {$22000.00} or possibly more ( again, the company has refused to provide detailed information about the account ). While I do not know the original balance of the loan ( again because the company refuses to provide that information ), it would seem that on a personal loan, {$22000.00} is quite a lot of payments and I would be hard pressed to believe that regardless of the suspicious nature of the loan, that it was paid off XXXX Lending Club itself reports that its average loan size is about {$9000.00} XXXX. Nevertheless, after repeated notices to the company, including FTC XXXX theft reports, which is, according to the FTC " all that is needed '' the company continues to report this account to XXXX XXXX, and XXXXn as a " charge off account '' and has through repeated disputes with XXXX XXXX and XXXX  " affirmed that as correct '' -- it is not.
Product: Credit card or prepaid card

Hello, On Friday, XX/XX/2023 at about XXXX a.m. I contacted Gemini to report a potential fraudulent charge on my XXXX XXXX. Their response was to send me an email telling me that my account was now Frozen and that they would reach out for further steps. I have attempted to get into my account multiple times and attempted to contact Gemini through email and XXXX as they do not have a phone number for customer support. Since XX/XX/XXXX I have been unable to get into my account and their customer support has not issued any form of response or timeline for resolution. I had also requested a balance transfer from Gemini to XXXX XXXX where XXXX XXXX had sent the check and made the payment to my Gemini XXXX. As of today Gemini sent me an email stating that there was a problem with this payment with no further details and still no contact regarding accessing my account.