23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I went into a Title Max Store located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to get a loan in my car. The title is under my dad and my name but the representative there told me they have a place that can give me an updated title with my name only just have to be willing to pay a higher amount. So I did. I needed the loan for medical expenses and she saw my desperation. The loan was for XXXX and when my payments started to come due I paid them with no problem. It wasn't till payment 5 that I asked WHAT my balance was and I was told XXXX. I said how what why she said interest go up daily I asked her for a hard copy of my contract she placed me on hold and never talked to me I called and called they won't answer when I went to the office I was received with new staff I told them WHAT happen and they said they aren't responsible for any of that. PLEASE help I'm a single mom and I can't lose my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted all 3 credit reporting agencies in writing, via USPS Certified Mail, and informed them that I have recently become aware that I have been a victim of IDENTITY THEFT and provided them with a copy of my Police Report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605B, by blocking the information that I have detailed to them that was fraudulent on my credit file. To date, neither of the 3 credit reporting agencies have taken my situation seriously and have treated it as a routine dispute.

FCRA Section 605B states : Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

According to USPS Certified Mail Tracking Information, XXXX  received their package containing all of the above required information on XX/XX/2020 ; XXXX  received theirs on XX/XX/2020 ; and Experian received theirs on XX/XX/2020. Each one of the Credit Bureaus are in receipt of the required information, yet they have not acted in accordance with FCRA Section 605B. The bureaus are treating my Identity Theft as a routine account dispute and have not blocked the fraudulent information within the 4 days, as required by FCRA Section 605B.
Product: Mortgage

I received a letter from my mortgage company today in reference to my property taxes. The company has failed to properly maintain my financial accounting records by sending this letter threatening me with foreclosure action. They are in violation of the agreement and sections Of the TIL act and maybe subject to prosecution, for unfair debt collection practices and mortgage fraud, and false reporting to a government agency, ( HU D ),  under the false claim act.     I spoke with a  XXXX   County Tax C ollector today, ( name and phone number available upon request ), and he informed me that I was NOT delinquent on my tax bill.I owe {$670.00}, which is due on  XXXX / XXXX / XXXX , which I have every intention of paying. I have been paying installments since  XXXX  of  XXXX .
Product: Debt collection

Sequium Asset is well known for repeatedly violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). They have amassed over XXXX complaints with the XXXX XXXX XXXX XXXX XXXX XXXX in the last XXXX years and more than XXXX complaints reported to the Consumer Financial Protection Bureau ( CFPB ). 

Despite my request for validation pursuant to the FCRA, they have failed to provide any response. Under 15 U.S.C. 1681s-2 ( b ) of the FCRA, Sequium Asset is prohibited from reporting on my credit profile while the account is in dispute without including a notice of the dispute. Nevertheless, Sequium Asset continues to report inaccurately, which is severely impacting my credit rating.
Product: Mortgage

SunTrust, now Truist, bought my mortgage from the originator in XXXX of XXXX. They did not assess the loan after purchasing it, paid the property taxes and let an escrow shortage continue for 10 months. This has resulted in a {$5700.00} escrow shortage that is due to increase my mortgage payment by over {$730.00} per month on XX/XX/XXXX. They offered to stretch the shortage over 24-36 months ; however, because of the initial shortage due to the originator not calculating for taxes increasing ( that issue is being handled with them in a separate forum ) and what they want, it will still be an increase that I can not afford ( $ XXXX per month ). The associates in the collection center and payment solution center will not let me speak to a manager, continue to pass the buck to different departments, try to deflect the conversation to them not getting an insurance policy from my carrier and are not noting my account of our conversations despite calls supposedly being recorded. Additionally, Truist continues to push me towards a refinance which they stated would raise my interest rate and payment even further.
Product: Credit card or prepaid card

On XX/XX/XXXX, I added 4 authorized users ( AUs ) to my amex platinum card. There was a current promotion ( see attached ) by amex that showed a bonus of XXXX points per AU when each AU spends {$500.00} in the first 3 months of card membership. Each of these AU spent over {$500.00} within the first 3 months, but only one of the AUs received the XXXX bonus points. I contacted Amex about these missing points in XX/XX/XXXX, and opened a case. 8 weeks went by, and the case was  closed without any resolution. Amex told me to continue waiting. I waited for an additional 8 weeks, and did not receive any resolution again. I was simply told that the Back Office was working on this case and there was nothing Amex could do to help me. It has been over 16 weeks since Ive opened the original case and have received no insight as to why I havent received this bonus or information on when I should expect to receive the bonus. Ive attached a screen shot of the promotion as well as my statement showing the spend on the AU cards.
Product: Credit card

On XX/XX/, I disputed my transaction with XXXX, a house inspector company. XXXX, the owner of XXXX, stated that he never spoke with me or communicated with me in any manner. I have sent Chase proof that we did, indeed, communicate on XX/XX/XXXX at XXXX XXXX. I even resent more proof of set messages. I explicitly stated to them that the report was flawed and that he didnt perform a thorough job. For instance, he did not inspect my roof. He falsely alleged that my skylights would leak and they have not. He stated the flashing was missing, which it is not. My flashing is built into the skylights. I attached receipts from the XXXX XXXX that prove the flashing is in the skylights ( built-in ). If he were a professional, he would have known that. He also stated my stove was not converted properly but it is. He did an insufficient job and he rushed through the job, which he admitted to when he wrote I did the job in haste- which I have emailed Chase proof of prior to this letter. I also had another home inspector come by and perform a thorough job and they wrote a letter out of courtesy to Chase explaining that the report was falsified information. I was willing to negotiate with XXXX, the owner, but he clearly stated I do not negotiate. I have done all I can on my end but I refuse to pay full freight for a sloppy job with inaccurate results. Chase denied my claim a day after I submitted it -- not the greatest customer service! I am very disappointed that they haven't taken my dispute seriously at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

this involves chase ink card it all happen back in XXXX of 2020 when my business was mandatory shut down but the governor of new york my company was closed for 4 months with no income, chase ink offered me a 3 month forbearance plan, all good till then after the 3 months they gave me another fornberance plan but they never told me it was a month to month basis, all of the sudden i get a bill for {$2600.00} with late fees and interest charge and they reported my credit bureaus 30 days late when i found out i called them and they said they would put me on a 60month payment plan and once i made my first payment and accept the terms all this would go back to normal as of now i have made 2 payments and credit bureau is showing 120 days late if i knew this was going to happen i would if kept making my small minimum payment every month i had a XXXX credit score now because of them i have a XXXX credit score i don't think its fair what they did to me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX - XXXX XXXX XXXX has violated my rights. 
Department of ED / XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX  XXXX XXXX has violated my rights. 
XXXX XXXX - XXXX has violated my rights. 
XXXX XXXX XXXX ( XXXX ) has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX has violated my rights. 
XXXX XXXX XXXX  has violated my rights XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

Currently, I am having my money deposited on my Rushcard. About two weeks ago, Rushcard stated that they 'll be updating their system and within 3 hours we could n't view our accounts nor withdrawal money. A couple of weeks have gone by and I still can not access my funds. I 've called customer service numerous times and have gotten hung up on. When I finally got a hold to customer service they tell me they ca n't do anything about it, and to give them my number and have yet to receive a phone call. At this point I 'm wondering if my direct deposit will even be deposited this week.
Product: Checking or savings account

I opened my first Fulton bank business checking account on XX/XX/XXXX with a promo code XXXX. I completed all requirements XXXX ) open a new business checking account between XX/XX/XXXX, and XX/XX/XXXX ; XXXX ) Deposit a total of {$1500.00} or more in new money into your account and enroll in small business online banking within 60 days of opening the account. {$220.00} cash bonus will be credited to your business checking account withing XXXX to XXXX weeks after above condition have been met. 

I contacted customer service when I should receive my {$220.00} cash bonus, but I was told this offer was limited to XXXX per business address. I have my independent business and report my own business on schedule XXXX, and I did not see address limitation on the offer disclosure. 

Attached is the Fulton Bank {$220.00} bonus offer disclosure. 

Please credit {$220.00} to my account.
Product: Debt collection

The company is reporting false information stating I owe them money which I do not. XXXX XXXX who originally owned this account stated they were buying back the account from this collector in their CFPB complaint which you will find on this site. They are still trying to collect the amount and just re-posted this to my credit report. I have sent my last demand letter telling the company to delete the tradeline or I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureau stated XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX  Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) I ) ( i ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Vehicle loan or lease

When I got my loan from one main financial I had no control over the computer when I was signing the contract and adding Gap insurance. The lady asked me how long I had been at my job and I told her about 7 or 8 months. She then asked if I wanted to add Gap insurance. I said yes. She asked me if it would be ok for her to have control of the computer so we could get the contract finalized faster. As she went through the terms and conditions never did she mention that I was not eligible for Gap insurance because I had not been at my job for at least a year. So few months later I lose my job and I call one main to see how to get my gap insurance to kick in, I was told that I was denied because I havent worked at my job long enough but one main sure did take my payments from me with that extra charge for my Gap insurance that I was not eligible for. I would have never agreed to the loan had I been told the truth. I never received a copy of my loan terms and conditions nor did I even get to read the terms and conditions before I signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/2023
Product: Money transfer, virtual currency, or money service

I have an XXXX  account and originally my two accounts were linked for XXXX 's on purchases and weekly withdraws for long term savings. As of today, XX/XX/2020, it is no longer allowed and my account was unlinked and unable to reestablish due to a new PNC policy. Its not a problem on their end ( which was implied with one of the above questions ) it is a problem with PNC. Could we please take care of this situation as soon as possible? I would rather not have to change banks.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized accounts and inquiries that have appeared on my credit report. I am a victim of a data breach, and these accounts and inquiries were added to my credit file without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following items from my credit report : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Amount : {$2300.00} Action : I ASKED FOR THE AUTHENTIC CONTRACT OR APPLICATION THAT CREATED THIS DEBT ON FILE.
Product: Debt collection

They will not stop calling. Even after repeated times through out the day.
Product: Vehicle loan or lease

no warning at all came home found vechile missing, no notice were sent to me about a repro, was in process of doing a refin
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX
Product: Student loan

I went to XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. I submitted a school XXXX XXXX to XXXX XXXX XXXX on XX/XX/XXXX and received an auto response that my applications was received. 

I called on XX/XX/XXXX and asked that my loans be placed in forbearance until the application and investigation had been completed. Navient 's customer service representative responded that " we can not place your account on hold until they hear from the federal government ''. I asked what the federal government had to do with it as they did not have anything to do with private student loans, and that private student loans were between Sallie Mae ( now Navient and XXXX ). I logged into my Navient portal on XX/XX/XXXX and saw that my private loans had been placed in an administrative forbearance status that expired on XXXX. 

On XX/XX/XXXX - I received an e-mail from Navient stating that my loans will be transferred to XXXX in the next few months. Navient is not taking these School Misconduct applications serious, they are not being transparent, and their customer service representative seem to be confused with the process themselves. These predatory, unlawful student loans need to be discharged under my protection under the Holder-Rule instead of being transferred to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved and the only address that needs to be reflecting on my report is going to be XXXX XXXX XXXX XXXX XXXX ga XXXX ALSO the credit agencies keep lying about my hard inquiries i have disputed with both them and each individual company but yet they all refuse to comply there is no proof that these inquiries exsists and i certainly did not apply. I need to make sure that ALL HARD INQUIRIES ON MY REPORTS ARE DELETED BECAUSE THEY DO NOT BELONG TO ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle in XX/XX/2021 using Chase Auto Finance. The car was totaled on XX/XX/2021 4 days after purchase. The original loan amount was for XXXX and my insurance company paid out XXXX of it on XX/XX/2021. The first payment was not due until XX/XX/2021. However, my vehicle service contract cancelation refund covered the remaining XXXX balance. This payment was sent and dated on XX/XX/2021. But, the company Chase backdated the payment to XX/XX/2021. According to this information the payment is not 30 days late. But, somehow I still have a late payment on my credit report. Chase is refusing to update my credit report and fix their mistake. I have called numerous times and I just get stuck in an endless loop of being routed to different departments.
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 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 cause significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I contacted both XXXX and XXXX by phone to remove inaccurate & non approved hard inquiries as well as inaccurate information & addresses. Both companies refused to investigate, Validate or remove these inaccurate items.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX WOMEN WITHIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX