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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a 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 XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] [ all three credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX Account Number : [ XXXX Reason : [ NEED OLD ACCOUNT HISTORY REMOVED ALSO NEED THIS ACCOUNT REMOVED FROM PROFILE. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Product: Credit card or prepaid card

I launched my initial dispute with my Credit Card Company TD CARD SERVICES and VISA on XX/XX/XXXX for a transaction that executed on XX/XX/XXXX after fighting with the merchant for a number of months. I have since been in contact with my credit card dispute team on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without resolution. I provided them via fax documentation, receipts and correspondence from the merchant agreeing that the charges should be refunded and resolved. My dispute was closed due to " time frames '' and lack of " record/documents '' that were requested to certify my claim. I have made well over 15+ attempts to work with my credit card company for assistance to resolve the issues with my merchant on my behalf and have received no resolution. I have spent as much time haggling with TD CARD SERVICES/VISA as I have with the merchant in question. This is unacceptable.
Product: Credit card or prepaid card

AmEx isn't resolving the transactions on my credit card. 
Below are the charges : XXXX {$670.00} XXXX {$460.00} XXXX {$170.00} XXXX  {$470.00} XXXX {$650.00} XXXX {$190.00}
Product: Debt collection

Date : XX/XX/2023 Amounts : {$420.00} Actions : I did not recieve any letters or mail until recently about my visit to the XXXX XXXX XXXX. I was told, that I was due the amount above. I would like some more informations on why that amount was due. 

Thanks,
Product: Mortgage

I received my XXXX  analysis in early XXXX and my XXXX  payment increased by over {$500.00} per month. Upon reviewing the list of planned payments from the account in 2025, I noticed that the increase is due to them charging three times for hazard insurance at the full yearly rate. Specifically, there are three consecutive months of payments at the annual rate of approximately {$2500.00}. I reached out immediately and was told they would submit a ticket to fix the issue. I have called every month, multiple times a month and was told that they were conducting another analysis. In the meantime, I was required to make full payments starting in XXXX. I was granted a forbearance in XXXX until XX/XX/year>. To date, the issue hasnt been resolved and I am expected to pay the full amount after the forbearance expires. I cant afford to pay an extra {$400.00} a month for a clear error to be refunded a lump sum at the end of the year because I overpaid XXXX by nearly {$5000.00}.
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 an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute and 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 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 OF XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, 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: Checking or savings account

I don't have specific dates, only that it was in XXXX and early XXXX. I do have the routing and account numbers It was my checking account and my XXXX daughter who I was representive payee for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I checked my credit, which dropped to XXXX points. In the XXXX report, I called about it, and they stayed that it could happen. I have been working on my credit, and it has improved. What is going on now? 

I do not understand the problem. Please help me to understand the problem.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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
Product: Debt collection

I called XXXX off and on for several years since ( XXXX ), and would never get anywhere but rude response from XXXX XXXX. I continued and tried to dispute the inaccuracy debt they had on my account reporting since XX/XX/XXXX under two names there using. One name is XXXX XXXX XXXX, and the other XXXX. My question is why are they reporting under two different business, and reporting on my credit stating I owe XXXX dollars. They are reporting inaccurate information, and when I called on XX/XX/XXXX to tell her that there reporting inaccurate information, got smart and nasty with me and said I do owe, and who are the other people on the joint account and where are they. I explained to her I do not owe, and why are you asking me about other people on account that I have no clue on why it's on mine. She began to argue with me, over talk me, and then hanged up on me. I called back to speak with XXXX XXXX again, still arguing with me, telling me to pay the whole amount, and I told her no, and she hung up on me again. I called back on XX/XX/XXXX to speak with someone else because I couldn't take speaking with someone that rude, and they told me I couldn't because she's the one handling the account. So I didn't speak with her that day, and I called back on XX/XX/XXXX and tried to speak real nice and polite to let her know again that the account is showing up on my credit with inaccurate information. XXXX XXXX said I remember you calling before and this is your account and you must pay, yelling into the phone. I told her that she was rude, and she shouldn't speak to people in such tone for no reason. She then hung up on me again, I called back to speak to her manager on ... got his voice mail. His name is XXXX XXXX. He called back on XX/XX/XXXX left a message because I missed his call. The very next day I called him back on XX/XX/XXXX and haven't heard from him since. Its ridiculous how they handle people at that company. it seems as though XXXX XXXX is the only person working every account and you can't talk to anyone else to get anything resolved. She's very rude, mean, disrespectful and out of control for no reason.
Product: Debt collection

On XX/XX/2019 I filed a dispute with the credit bureaus regarding an account with Waypoint Resource Group. They responded that the debt was verifiable. On XX/XX/2019 I sent out a letter requesting Waypoint Resource Group to provide me with Validation of the debt according to the FDCPA. ( USPS Tracking XXXX XXXX XXXX XXXX XXXX ) As of today, I have not received a response. The debt is still reporting on my credit reports.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( block inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically CashApp 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 either 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 reporting or other personal consumer reports

YOUR COMPLAINT The outstanding balance on the loan was paid on XX/XX/2023, it cleared by XX/XX/2023. On my XXXX XXXX XXXX account, I received notice on XX/XX/2023 that UPGRADE reported positive activity and that the loan was paid in full. However, when I check the online portal, the loan is showing an outstanding balance of {$5700.00}. 

This has caused a huge negative impact on my financial well-being, caused an unreasonable increase in fees and finance charges and is a defamation of my character overall. As defined in 15 U.S. Code 1692e and 1692f, there is abundant evidence of the use of deceptive and/or unfair debt collection practices. There has been use of false, deceptive, or misleading representation/means in connection with the collection of this debt.
Product: Bank account or service

I have attempted to contact CitiBank 's CitiGold Division on several occasions to disable " Overdraft Protection '', I was repeatably told by a supervisor this was " not possible ''. Frankly, this does not make any sense since other banks have the ability to turn off Overdraft Protection thus preventing any Overdraft Fees from occurring. During the Holiday Season ( XXXX and XXXX XXXX 's ), various transactions settled on strange dates for whatever reason. Additionally, CitiBank charges a {$34.00} Returned Check Fee which is in violation of State Law. The maximum amount in Illinois and Michigan is {$25.00}.
Product: Vehicle loan or lease

On XX/XX/22 purchased ( leased ) new BMW XXXX from XXXX XXXX BMW. I showed them the advertisement on https : XXXX no where on the website does it say leases are excluded from receiving the federal tax incentive of {$5800.00} nor did they tell me at the dealership that I would need to buy the car on a purchase not on a lease. In my attempt to resolve this, BMW even admits they keep the federal rebate but they still say " Tax credits are complicated and subject to change without notice. While BMW of North America, LLC does its best to keep this information up-to-date, it can not guarantee the current accuracy of your eligibility. We recommend consulting a tax professional to validate credit availability and eligibility. '' Which is their disclaimer. To me this is false advertising as if BMW knows they keep the rebate from the government how are they doing their best to keep their information updated? Attached is screen shot of the website showing the facts above and my original complaint from XXXX. Ive also attached copy that I have been trying to get this resolved via dealership as well since BMW corp keeps pointing me back in their direction, which I don't understand why as my main issue is with BMW directly as their website is falsely advertising this.
Product: Credit card or prepaid card

Thank you for investigating my claim. Briefly, on XX/XX/XXXX my Coinbase account was hacked for XXXX separate transactions totaling {$250.00}. The individuals who withdrew this money immediately spent this money on fraudulent transactions and began to make further attempts to withdraw money and initiate more fraudulent transactions. Luckily, I was able to lock my account from further withdrawals. 

I called Coinbase immediately after the first transaction notification and spoke to XXXX, who assured me that the unauthorized withdrawal would be reversed immediately within XXXX hours. After it was not reversed, I called the next morning on XXXX and spoke to XXXX, who denied that the transactions would be reversed immediately and stated that an investigation would take up to 30 days. On XXXX I called again in the morning and spoke to XXXX, who then stated that the timeframe was XXXX days but I could expect an email with more details from the supervisor/investigation team. I have never received any communication from Coinbase. I made another good faith effort on XX/XX/XXXX and spoke to XXXX, who repeated that I would have to wait 90 days. 

I have tried in good faith to resolve this issue with Coinbase to reverse the unauthorized charges, but I have lost trust in their dispute resolution. I feel that they are stringing me along and have no intention to correct their unauthorized debit.
Product: Credit reporting or other personal consumer reports

Billing error 15 USC 1666b 16 car 433.1 and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that XXXX XXXX has not credited my account with dividends derived from treasury coupons via the ETF Act. These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 
1099 Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. 
Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. 
Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Other addresses not mine. I have lived at is XXXX XXXX XXXX XXXX, Texas XXXX for 57 years a open court case which is being plead not guilty need to be removed which is causing " concrete harm '' being reported is unwanted and will be asking for relief pending no removal
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 I purchased credit repair services from XXXX XXXX of ( Expert Credit Sweeps ) in the amount of {$1600.00} and I never received that services. She lied for 3 months saying that she was provide the service that I paid for but she never was working on it.
Product: Mortgage

My parents are trying to close on a loan for a condo. My parents are elderly and XXXX. The broker who was supposed to do it for us is doing things that don't make any sense for us. My parents are qualified for a loan but the broker kept pushing the date for closing back without giving us any explanation why. We contacted the bank that qualified us for the loan but they can't give us a straight answer as to why this is happening. Since XXXX the broker would give us a closing date only to change the date on us without any explanation. We're in the the process for too long to start over but we need a solution. We need help on what to do next.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account on my credit report that has been removed and a couple of months later it pops back up making me go through the entire dispute process all over again. When it does show up again you can see that whatever discrepancy I would point out on a previous dispute would be corrected, but have another piece of information wrong or different across all 3 agencies. It's obvious because technology now allows me to capture the screen shot and see how it's changing as if. I'm not noticing it. How many chances does one get to correct the record? Eventually with enough chances they'll be able to get it all right. In my opinion there's been enough of what I think in my own opinion violations done to me to where I don't have to argue about the validity of the account in question. Currently XXXX has been the only one out of the three that has got it right for the second or third time, sorry im starting to lose track. It's insane what I have been forced to go through. Dispute after dispute. I've even sent the disputes certified pointing out all the discrepancy in regards to the the amount of the account. It always changes. I even have a recorded phone call with one of there employees who couldn't get the facts right. First the original balance was {$3800.00} then it was {$3800.00}. But then there was adjustment that brought the original amount to {$3000.00} to no wait the original amount is {$3800.00} and 20 % of it was already paid. 2 of the credit Bureau 's had the original amount at {$3800.00} and the other at {$3000.00}. XXXX with the original amount of {$3800.00} with a high balance of {$0.00}. Equifax removed the account then reinserted it without notice. No heads up, no letter in the mail letting me know. XXXX did the same without notice. There's incomplete information showing the collection status for the last 3 months and no status information for all the months before hand. I asked for the credit Bureau 's for the findings of facts with proof of the investigation efforts and nothing but crickets. They have date of first delinquency of XX/XX/XXXX of 2018 yet I have a letter from the the original creditor stating the payment was due XXXX of 2018. They claim the debt is educational yet the information they furnished to hireright reporting agency has absolutely nothing in the trucking school section of the report. I'm sure there's stuff I'm forgetting. I just want this account to be gone, deleted, and done and over with. I have proof of all this. I'll try to attach as much proof as i can but please if theres anything you dont understand or need explanations of anything, then for love of XXXX contact me by any means possible.
Product: Mortgage

In late XX/XX/XXXX after receiving my homeowners insurance renewal policy from XXXX XXXX the policy premium had increased over {$800.00} a year. I contacted my agent who quoted me through XXXX XXXX XXXX at a rate of {$1400.00} a year. I changed policies. I notified Homepoint via phone not to pay my XXXX renewal and was advised to send an email with the new declaration page. I did. However, Homepoint paid the XXXX policy and then also the XXXX XXXX policy. I received the refund at my home address from XXXX for {$2300.00}. I contact Homepoint and was advised to transfer those funds to them which I did electronically with check over the phone XX/XX/XXXX. The agent I spoke to said she would request an escrow analysis since there was over an {$800.00} difference in the insurance policies that I would be due a refund from my escrow. I waited almost 2 months before contacting Homepoint again. I called the end of XXXX - the XXXX I believe - and was told the matter was closed as of XX/XX/XXXX and no refund was due to me. I went through the numbers with the agent on the phone, she agreed and said she would escalate it to a manager. I called again on XX/XX/XXXX after not hearing anything from Homepoint and  was told it was set for a resolution on XX/XX/XXXX. I did not hear from anyone. I called again today XX/XX/XXXX and was told I am not due a refund. The math is as follows : My current escrow balance is {$1000.00}. My escrow obligation each year is {$1400.00} for insurance and {$1400.00} each cycle for taxes making my obligation {$4300.00} a year. They are currently posting {$350.00} of my {$1100.00} payment to escrow. With a current escrow balance exceeding {$1000.00} my escrow is well overfunded for XXXX and I would be due a refund under RESPA. I stated that to XXXX ' the agent I spoke to today and he stated I am incorrect.
Product: Student loan

navient continues to refuse to transfer my loans to public service work program with my other loans through the department of education. I keep receiving letters saying not paid and I 'm late with additional interest