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

I filed for Bankruptcy Protection on   XXXX   XXXX   XXXX   and also filed a Reaffirmation of Debt with Ford Motor Credit. During the Bankruptcy Period, Ford Motor Credit was Prohibited from collecting auto payments in lieu of my reaffirmation, enforced by   XXXX   XXXX   XXXX   XXXX  , that I would not include my car as part of the bankruptcy case. I held up my terms of the reaffirmation of debt agreement and was discharged from Bankruptcy protection on   XXXX   XXXX   XXXX  .

Therefore for:   XXXX   XXXX     XXXX   XXXX  
  XXXX   XXXX  
  XXXX   XXXX  
my account payments should either be in good standing or Not reported. However, Ford Motor Credit refuses to update my account and all   XXXX   credit bureaus refuse to correct my credit report. 
It shows:   XXXX   XXXX  : 30 days late   XXXX   XXXX  :  OK, which is odd because I did not make a payment and in   XXXX   XXXX   I was apparently 30 days late
  XXXX   XXXX  :    30 Days late
  XXXX   XXXX  :  Back to OK, even though I did not make a payment and was apparently 30 Days late in   XXXX   XXXX  .

This results in my credit score being lowered and I have been turned down for credit on numerous occasions, citing information in my credit report from all  XXXX  credit bureaus.

In particular, I was turned down for an important car loan from my own   XXXX   XXXX   XXXX   XXXX  , due to my payment history with Ford Motor Credit. 

Please help correct my Ford Motor Credit Account with all  XXXX  bureaus.
FORD MOTOR CREDIT   XXXX    XXXX   XXXX  
 XXXX , NE  XXXX 
  XXXX   XXXX  
Date Opened:	 XX/XX/XXXX 
Responsibility:	Individual Account
Account Type:	Installment Account
Loan Type:	AUTOMOBILE
Balance:	  XXXX   Date Updated: XX/XX/XXXX 
Payment Received: XXXX 
Last Payment Made:	 XX/XX/XXXX 
High Balance: XXXX 
Pay Status:	Current; Paid or Paying as Agreed
Terms: XXXX  per month, paid Monthly for 72 months
Date Closed: XX/XX/XXXX 
>Maximum Delinquency of 30 days in  XX/XX/XXXX  and in   XXXX  <
Remarks: REAFFIRMATION OF DEBT; DISP INVG COMP-RPT BY GRNTR; CLOSED

 
 XX/XX/XXXX    XXXX     XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX    XXXX     XXXX     XXXX     XXXX  
Rating
OK
OK
OK
OK
OK
30
30
OK
OK
OK   XXXX  
 XX/XX/XXXX 
  XXXX   
 XX/XX/XXXX 
 XX/XX/XXXX 
 XX/XX/XXXX 
  XXXX    XX/XX/XXXX    XXXX     XXXX  
Rating
OK
OK
OK
OK
30
OK
30
OK
OK
OK
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 caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card

I was out of work for about 6 months. after contacting the Credit Card Co Cap One, I was hoping to have my fees reduced due to late payments, but I was advised they do not offer this service. So after getting back to work I contacted them again, lets work to reduce the APR from default of 29. % to something manageable till I can catch up. Again sorry we do not offer this. So what are my options I asked? Credit counseling and debt consolidation? Not asking for much just a temporary solution.
Product: Credit reporting or other personal consumer reports

Dear Early Warning Services, I am writing to formally lodge a complaint regarding incorrect information that has been reported on my consumer report due to data breaches and identity theft associated with the three major credit bureaus : XXXX, XXXX, and XXXX. 

Background Information In recent years, there have been significant data breaches affecting all three credit bureaus. These breaches have compromised sensitive personal information of millions of consumers, including myself. As a result of these incidents, I have become a victim of identity theft. Unauthorized accounts and transactions have appeared on my consumer report, which I believe are directly linked to this breach. 

Details of the Incorrect Information Description of Errors : Please provide specific details about the incorrect information that has been reported on my consumer report. This may include unauthorized accounts opened in my name or inaccurate payment histories. 

Impact on My Creditworthiness : The presence of this erroneous information has adversely affected my credit score and overall creditworthiness. It has hindered my ability to secure loans and other financial products. 

Supporting Documentation : Attached to this letter are copies of relevant documents that support my claim, including : A copy of my consumer report highlighting the inaccuracies. 
Any correspondence related to the identity theft ( e.g., police reports or fraud alerts ). 
Documentation from the credit bureaus acknowledging their data breaches. 
Request for Action I request that Early Warning Services conduct a thorough investigation into this matter and correct any inaccuracies found in my consumer report as soon as possible. Additionally, I would appreciate confirmation once these corrections have been made. 

Furthermore, I urge you to implement stronger security measures to protect consumers sensitive information from future breaches and identity theft incidents. 

I have unauthorized accounts on my Early Warning System Report that I do not recognize & are not mine. Please remove them immediately. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
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 Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXXhas 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: Money transfer, virtual currency, or money service

On XX/XX/year>, there was an unauthorized, fraudulent ACH transfer of {$2900.00} from the checking account of our non-profit at Citibank. We reported it to Citibank on XX/XX/XXXX as soon as we found out after a routine log into the account on the Citibank business website ( document enclosed ). Citibank confirmed our report and subsequently asked us to fax a complaint form ( enclosed ). 
Citibank told us they were investigating. We kept in touch with Citibank which informed us that the other parties involved ( XXXX and XXXX XXXX  ) were not responsive. Now Citibank says they are closing the case. Our all-volunteer run non-profit has lost {$2900.00} in this fraudulent transaction. Kindly help.
Product: Debt collection

This is the 5th time trying to correct this. Company states I owe {$710.00} from XX/XX/XXXX. I've asked repeatedly ( through CFPB, Direct Dispute, XXXX ) to get a signed copy of the account opening documents to verify that this debt is in fact not fraudulent in nature, to date I have not received this documentation but the " debt '' still exists on my credit report. The company did provide a statement showing {$710.00} in arrears on a {$300.00} credit limit ( I still do not verify I know this debt ). Based upon the data that may or may not be factual, default would have occurred in the middle of XX/XX/XXXX. None of the " facts '' can be verified, I demand signed documentation.
Product: Payday loan, title loan, or personal loan

I financed a rebuilt transmission on XX/XX/XXXX at a XXXX store using Acima Credit.  The finance price was {$2500.00} if paid off in 90 days. If you do not pay the balance in 90 days the total payment over a 12 month period would be {$5300.00}. I did not know in the beginning but this is a rent to own purchase. I never received the lease agreement in the mail and I never received an email communication from them for the first 4 to 5 months. If I initially finance {$2500.00} but end up paying paying {$5300.00} over a 12 month period, then this is EXCESSIVE and predatory because i never received communication about these terms. I looked at the complaints for this company on XXXX and many customers are saying the same thing. Please look into this company on it's slick way of charging consumers EXCESSIVE and predatory rates.
Product: Credit card or prepaid card

My husband and I were making automatic payments each month of the minimum amount towards our credit card with Bank of America. We made a purchase of {$3000.00} in early XX/XX/2017, which raised our minimum payment. We were not aware that our automated payments weren't adjusted to the new amount. For six months, our automated payments were made for the previous amount, therefore showing insufficient payments. In XX/XX/XXXX, I called to make a {$3000.00} payment toward the card, to learn that the account had been closed and that we had been making insufficient payments for months. Neither me nor my husband had received any emails concerning late or insufficient payments. We had not received any notification of any kind that our account was closing. The bank said they tried to call us twice, but the number they had on file did not match any number we've ever known and they said the number they called was disconnected. They could have sent us a letter or email but did neither. After I made the {$3000.00} payment, and learned the account had been closed, I requested the account be reopened. They sent us a letter denying our request and notifying us that my husband 's credit score had taken a severe hit. Clearly they were capable of sending us a letter, but didn't when it was to notify us our credit had been hit and our account was to be closed. We are extremely dissatisfied with the way everything happened and have since paid off almost the entirety of the balance, with the exception of {$180.00}. Now they are denying our request to reopen the account and my husband 's credit score has been lowered by about 200 points. We would have gladly made the sufficient payments each month had we known. We never received any emails, or letters from them letting us know our automated payments were insufficient. I hope that by filing this report, I solution will present itself to this gross misunderstanding and the consequences it has led to. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report a bankruptcy on my credit report that is not mine. They claim XXXX has verified that it is valid, however XXXX is not reporting this on my XXXX report. I have asked experian to provide me with proof that XXXX verified this, and experian does not send me proof of the verification. Experian has been provided with police reports more than once, to prove I am a victim of identity theft.
Product: Payday loan, title loan, or personal loan

I opened Walmart account XX/XX/XXXX. My charge amount was XXXX they closed my card XX/XX/XXXX because I wanted my payment date changed from the XXXX to the XXXX. They closed my account when I wanted paper billing. I paid 18 straight bills adding up to {$910.00} which was way more that I shouldve paid. Then in XX/XX/XXXX XXXX XXXX contacted me to pay approx {$270.00} till XXXX and I did! I paid {$100.00} in XX/XX/XXXX. This all added up to {$1200.00}. And they have still charged me late fees XXXX and I havent charged sinceXX/XX/XXXX. And they wont stop even trying to talk to them several times again. Now my credit score is low because of Walmart/synchrony bank. They owe me money and need to stop the late fees my account was paid awhile ago for my charges which ended in XX/XX/XXXX. Id appreciate if you can make them stop on late fees and return me money they owe me. I made 18 straight payments of XXXX. Then XXXX XXXX XXXX. And then another XXXX it shouldve stopped when I paid XXXX  and I was just outta the hospital and wanted to be done with them. But no they are still charging me. Please make them stop and get me a refund thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

this company chase ( JPMCB CARD ) clams my account is closed and charged offed and yet still reporting negative remarks on this account. This is a formal notice that your claim is disputed. you have false, inaccurate and incomplete information reporting on my credit report including but not limited to incomplete account number. I have been treated poorly, and financially hurt due to these issuesi recently got a copy of my credit report and i am shocked to see fraudulent information being reporting on my report wish has decreased my credit score wish has finaicailly hurt me! i am super upset because this has gotten me denied for a car that i need to get to and from work wish not i have been fired wish not im not even ablle to take care o me family. i need this issue fixed as fast as possible!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXXXXXX Balance Owed : {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose therefore kindly maintain the accuracy and correct it as paid on time.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX shows up on my XXXX XXXX as being NOT Paid/Paid LATE. I told XXXXXXXX XXXX  to tell XXXX, Experian, and XXXX to REMOVE themselves from my XXXX XXXX because I AM A VICTIM OF IDENTITY THEFT and FRAUD. SEE POLICE REPORT. MY XXXX XXXX IS DAMANGED. THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE. 

THEY NEED TO REPORT TO ALL XXXX AGENCIES NOW TO REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. 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 you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX/XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX  XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

On XX/XX/XXXX I found out that I was a victim of Identity theft after Win Law Group ( representing XXXX ) levied my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
Furthermore, my personal information showed on the XXXX XXXX XXXX XXXX is incorrect. 
1. My name is XXXX XXXX XXXX, not XXXX XXXX XXXX. 
2. On XX/XX/XXXX Case the comment was Unsatisfied in XXXX County and on XX/XX/XXXX another comment of Unsatisfied in XXXX County. However, I have never lived in XXXX County of XXXX County. I only have one address which is : XXXX XXXX XXXX, XXXX XXXX CA XXXX XX/XX/XXXX. 
I have tried to dispute this ID Theft issue with Win Law Group and XXXX XXXX   hoping to remove this case and have a refund of the levied amount. However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner.
Product: Credit card or prepaid card

XX/XX/XXXX I closed my account with SYNCB/Care after having it since XX/XX/XXXX, Credit due to the fact that each month after I made my payment of minimally {$340.00} this company decreased my credit limit from {$6000.00} to whatever the new balance was after payment was made. Doing this has increased my utilization and made it seem as if I was at 100 % utilization each month although I had already paid 1/3 of the balance. This was supposed to be a revolving credit card, but they treated it like an installment payment.

Once I realized what was happening since my credit score was decreasing due to having a " maxed out credit card '' I decided to close the account, and just continue to make my regular payments until the card was paid off. 

XX/XX/XXXX, I tried to log into the XXXX XXXX XXXX on my phone to make the payment, as this was how I regularly did it, but the app did not allow me to log in. I called the number on the app as I was instructed, went thru the prompts, and was disconnected after a little while of holding. I attempted to call again and the same thing happened. 

After being frustrated, I discontinued my attempts to wait another day and time to call. I have been trying to call now since XXXX with no success until today, XX/XX/XXXX. I finally able to speak to a representative, however, we were not able to come to an agreement and although courteous, did not understand the damage this has caused to me and my credit. Their only concern was to receive payment. 

In the mean time, my credit score has suffered greatly because of them decreasing the credit limit each month without giving me any notice at all that this would happen and why it happened. This has adversely impacted me and my reputation as well as my credit score. Also, being unsuccessful in reaching someone on the phone has caused monthly late payments to report on my credit report and potentially put the account into charge-off status.

I believe my FCRA and FDCPA consumer rights have been violated and I have been discriminated against with the monthly decrease of my credit limit. Also, my rights to privacy have been violated as XXXX XXXX XXXX continues to send me statements in the mail with their logo on the envelope and the statement " Statement Enclosed. Payment May Be Required '' XXXX XXXX  is a card specifically used for Medical, Dental, health, and wealth procedures. 

This is a violation of FDCPA 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and 15 USC 1692F ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mail or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

I have attached exhibits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 at XXXX I attempted to check my dispute with TransUnion, and the system wanted me to log in. When i entered my information the system had me fill out additional information, then i was " signed up '' for a credit monitoring service and charged {$19.00}. I noticed immediately when i recieved a bank notification, so i called TransUnion and explained that i didn't want their credit monitoring service and i was only trying to check the status of my dispute. They kept me on hold for quite some time then told me the error had been corrected. 5 hours later I noticed the charge was still pending and no action had been taken, so i called back, this time after i explained what happened again the employee said she was having trouble accessing the system due to a company wide " update '' i was put on hold multiple times for about 30 min. finally i was told to call back in a few hours to see if they could access the system. I asked to speak with a manager, this happened promptly and the " manager '' was able to immediately tell that the " service '' had been canceled but the charge was not removed because they assumed i wanted the service for the current month, despite the fact that I told all 3 of the people i spoke with that I was guided through the signing up process on their website whild checking a dispute against my credit not buying credit monitoring. I asked the manager about the system wide update and how she was able to access my information so quickly during it, she said that employee was having computer trouble. She said that she would refund the money for me because i had called back on the same day, but it might take up to ten business days to process. I was very upset at this point and just told her thanks and got off the call. I called XXXX afterwards, they put the money back in my account right away and disputed the charge. 
I feel like i was scammed into signing up for it in the first place then lied to about the charge removal. Then lied to again about the computer problems in some kind of attempt to keep my money while I waited for them to " fix '' their system. 
I'm not even sure if you are the orginization I should be writing this to, but I wanted to tell someone at least.