23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage with Fifth Third bank through the XXXX XXXX XXXX XXXX on XX/XX/XXXX and closed on XX/XX/XXXX. XXXX sent the payoff check to Fifth Third bank immediately after closing. Fifth Third Bank continued to contact me, I explained to them that I refinanced with XXXX and I was already making mortgage payments to my new bank. I know someone at Fifth Third bank received the XXXX check because I confirmed with them on XX/XX/XXXX and they stated they had just received the check. But the calls for collections continued, I repeated to them that I refinance, they asked questions as if it was the first time knowing of this. We had a conference call with Fifth Third and XXXX and we confirmed we had the correct info for the XXXX payoff check and it was exactly the same as the first time that it was sent out. The payoff check had to be re-sent for the 2nd time. During all this time they have been reporting late payments to my account and my credit score went from " excellent '' to " needs work ''. 
Please help
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX  XXXX, which involved me making deposits for a total amount of XXXX USD from my Crypto.com account to fraudulent investment firm ( s ).

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Crypto.com did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Crypto.coms custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Crypto.com promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Crypto.com was in compliance with its own policies and procedures ; ( v ) whether Crypto.com owed duties to myself, what the scope of those duties was, and whether Crypto.com did not uphold those duties ; ( vi ) whether Crypto.coms conduct was unfair ; and ( vii ) whether Crypto.com has within its power the ability to, and should, compensate me for the harm that has befallen me.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Crypto.com must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer
Product: Credit card or prepaid card

I worked with my dentist office to get a service and they used CARE CREDIT by Synchrony. 

The terms were not clear, communication missleading and I ended up paying over XXXX dollars in fees and interest over 8 months for an expense of XXXX On top of that after approving my credit 8 months ago and nothing changing, they changed my limit drastically impacting my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXX : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/2017 Reference # : XXXX.
Product: Debt collection

I submitted a complaint previously but was the wrong ARS. I was able to track this one down. 

THey refuse to stop contacting me. I told them i was going to report them here and they called me about that. THey keep telling me to get an attorney, telling me they have my social security number. This company threatens with texts. I had to block them they wouldn't stop calling and I have blocked messages from them in my box still with the same threats. I've had enough. I
Product: Debt collection

XXXX XXXX XXXX placed a collection on my credit that does not belong to me. 
They did not send me any information to validate the debt or send me any information at all.
Product: Credit card or prepaid card

I have been a customer of American Express since XXXX having opening my first account ( Blue Cash Everyday Card ) with them on XX/XX/XXXX. Over the years I also opened another account, the Hilton Honors card based on a promotional offer. I don't have any credit card debt and always pay off my card every month and based on that Amex has been sending promotional offers for their luxury card, the Amex Platinum, which comes with an annual fee of {$690.00}. 

I put in an application for the Platinum card on XX/XX/XXXX and was approved with a welcome offer of XXXX membership reward points once I spent {$6000.00} on the card within 6 months. I opened the account primarily to book two international flight tickets for my parents traveling from XXXX to the US and just that purchase came out to be {$4600.00} and in the next 2 months I had reached the {$6000.00} limit. I reached out to Amex customer service on the month of XX/XX/XXXX enquiring about the delay in receiving my welcome offer and to my surprise I was told that in their " system '' the qualified spending amount that I have made is {$1900.00} and that I need to spent {$4000.00}!! 

After sending the screenshot of their system of the purchases I made, the customer representative manually calculated I've made since the account was opened and it shows that I made a total of {$6600.00} on the card. I was asked to wait 6-8 weeks for the transactions to be reflected in my account for the to receive the welcome offer. 

I was also informed by the customer rep that I met the spending requirement on XX/XX/XXXX and that points will be credited on or before XX/XX/XXXX, the 8 weeks mark. On checking the account on XX/XX/XXXX, I found that the points are yet to be reflected in my account. Upon contacting the customer service again, they gave me multiple explanations. The initial support was telling me about a " technical glitch '' within their system that is causing the delay and asked me to wait 5-7 business days for a resolution. Upon contacting them a week later I was informed that the qualified spending amount I have made is {$5600.00} and I still have to make {$300.00} to meet the spending limit. 

This inconsistency in the information itself is very frustrating and as a customer very unfair. As per my statements till date I spent {$10000.00} on the platinum card since opening with {$6300.00} just on travel alone. I have attached the screenshots/statements confirming the same but according to the company I have not yet reached the " limit ''. I have raised two complaints with Amex but with no results. The case numbers are XXXX and XXXX. 

At this point I want CFBP to investigate the issue and get a solution as early as possible.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION AS WELL MY ADDRESS, I ATTACH THE DOCUEMNTS NEEDED I'M LOOK FORWARD TO UPDATE IT ASAP.
Product: Credit card or prepaid card

My XXXX, XXXX XXXX, applied to multiple different Credit cards in diffrent companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.
Product: Debt collection

company keeps calling my job. job is threatening to fire because of consistent calls
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for Credit Acceptance XXXX west XXXX XXXX. XXXX, MI XXXX. 
I have acquired and satisfied an installment loan. My credit report is showing a 120 days late payment, which was not the case, I mailed the payment via mail and I guess it took the company some time to process the payment. The company agreed to have this inaccurate information removed but it is still reflecting or showing on my report 6 months later.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 accounts 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 XXXX XXXX XXXX. Balance : {$150.00} XXXX XXXX XXXX XXXX .... Balance : {$100.00} XXXX XXXX XXXX CA XXXX XXXX XXXX : - XXXX XXXX XXXX BANK Balance : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Bankruptcy XXXX Date Filed XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires us to eliminate any incorrect accounts from my credit report. Could you check the documents, please? Some of the listed accounts are inaccurate in their reporting, with incorrect amounts and dates being reported.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent XXXX, XXXX and Experian a detailed letter pointing on the inconsistencies in their reporting. All of the agencies have different information in which most of it is wrong. After doing some research I found that the credit agencies are to file all of the information reported to them accurately or mostly accurate. If they are getting their information directly from the creditor, why is there incorrect information listed on my credit report. They may not care about how they handle peoples credit report but I do. This is my livelihood. I gave them more than 30 days to update the information or remove it. They did not respond. I am a tax paying citizen and I would simply like to be heard and my right honored. I have detailed what errors are listed for them with a screenshot of the inaccurate accounts I have. I have done my part and I am simply asking them to do theirs. I will attach more details.
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed collection, charge off, and closed accounts that I did not approve anyone to pull my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my car today XX/XX/19 and I was unable to do so because of an account reflecting badly on my credit report. This account does not belong to me ; I never opened it and I have never had an account with that company. I did not allow anyone to open this account in my name with my personal information and I have filed a police report regarding this suspicious activity on my credit. I did not benefit anything from this account being open in my name such as money, goods, services or any other benefit ; I did not make any purchases, transactions or payments towards this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I have been a victim of a data breach and identity theft. As a result, several unauthorized accounts and inquiries appear on my credit file. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Unauthorized Accounts 1. 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 card or prepaid card

About XXXX  of XXXX and the begging of XXXX google has closed my account and will not let me pay my subscriptions I have for that card Ive been using I always have money on that card and suddenly it now says my card is unavailable and that the account was and is closed. It's not and I want the ability back!
Product: Mortgage

I XXXX received a letter from JP Morgan Chase in the month of XX/XX/XXXX about my mortgage being paid in full by XXXX ; XXXX XXXX XXXX XXXX XXXX JP Morgan Chase said that they will no longer carry my mortgage. I have two mortgages with JP Morgan Chase. One is a regular mortgage and one is a Home Equity Loan. JP Morgan Chase kept the Home Equity loan and sold the mortgage for my home to a different company which is XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX I have received a statement from XXXX XXXX XXXX company on XX/XX/XXXX, stating all sorts of different amounts to be paid to them directly. I do not understand the payment statement and I've never received any documentation from this company. I will like my mortgages to be investigated. I have tried to resolve the issue with both lenders but they're very rude and uncooperative. I felt like I've been bullied and do not know if the payment amount is correct. I'm not sure if the interest rate is also correct on this statement. I want to pay my mortgage. It's a one family home and I've been living here with my family since XXXX. My sweat and blood went into this home and I'm not sure if I've been taken advantage of. I also wanted to add that I pay my own property insurance since XXXX. This is not included in my mortgage. I hope they're not charging me for insurance. Please help me thank you.
Product: Mortgage

We feel like we are being scammed out of our home. Rushmore Loan Management Services and law firm XXXX XXXX XXXX, XXXX. are trying to foreclose on our home. We completed a chapter XXXX discharge in XX/XX/XXXX. Neither of them had nothing to do with the bankcruptcy process. After the discharge was complete we started getting contact from Rushmore Loan Management. We told them that we owed them nothing and reported this information to our attorney. They tried to bully us into a modification. We said no. They sent us paperwork anyway saying we had a modification ( attached ) .XXXX again, we informed our attorney. Later we got a letter from XXXX XXXX XXXX saying they would foreclose and kept getting information saying we owe money from Rushmore Loan Management ( attached ). 
We received a lettter from XXXX XXXX XXXX saying that our house would be sold on the courthouse steps on XX/XX/XXXX ( attached ). On Monday XX/XX/XXXX someone from XXXX Foreclosures left a notice on our door. ( attached ). We did not get any legal documentation saying that they had went through the court system. Since they were not part of the bankruptcy process, we can not understand how they got the right to foreclose or modify our home previous home loan. We want it handled properly. We do not want to owe them or any one else any money when this is all over. We think this is a scam or they would have went through the court system for a proper foreclosure. Original home loan was with XXXX mortgage and then transferred to XXXX Mortgage ( attached ). Something is not right about the way this entire process is being handled.We want the federal and local law involved if a foreclosure is going to occur
Product: Student loan

I applied for the SAVE repayment plan initially on XX/XX/XXXX. Through this application, I was given an estimated monthly payment of {$460.00}. I also received an ecorrespondence from my loan servicer, Edfinancial, on XX/XX/XXXXXXXX  that stated that my student loan repayment amount has changed and my new payment amount is {$280.00} due on XX/XX/XXXX. This letter also stated that my federal student loans have been removed from the SAVE plan and placed on an Alternative repayment plan, stating that they did not receive my complete recertification application and income documentation by the deadline noted in the reminder communications sent to me. Unfortunately, I have searched high and low and can not find proof of any reminder communications sent to me from Edfinancial, including through my personal email, physical mail, or the inbox on the Edfinancial website. The only " reminder '' I could even guess was related to this matter is on my home page of Edfinancial and it states that my " Income-Driven Repayment plan is due to expire on XX/XX/XXXXXXXX  ... '' This date is clearly not a real date?? Also, my current amount due on XX/XX/XXXX is now {$510.00}, which is neither amount that I was told by the SAVE application OR Edfinancial themselves. I also see no indication on Edfinancial that this {$510.00} amount is representative of the SAVE plan. On studentaid.gov, it says that the application that I submitted on XX/XX/XXXXXXXX  was somehow reviewed on XX/XX/XXXXXXXX  by my loan servicer but then the review of the application was completed on XX/XX/XXXXXXXX  which does not make any sense unless Edfinancial can somehow go back in time. I attempted to email/contact Edfinancial several weeks ago about these mismatching monthly payment amounts and I have not heard anything back. I attempted to call them and was told that the estimated wait time was upwards of 900 minutes, which I don't have time to wait for. I also submitted another SAVE plan application earlier today ( XX/XX/XXXXXXXX  ) and was told the same estimated amount of {$460.00}.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 
XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX  Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, has violated my rights. 
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

This is a formal complaint regarding multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ). I am the victim of identity theft, and my credit report contains numerous inaccuracies that should have been removed after proper disputes were submitted to the credit reporting agencies. The following information must be addressed and removed immediately in compliance with the law : Under FCRA 605 ( a ), credit reporting agencies are obligated to ensure that only accurate and relevant information is reported. Reporting addresses that are not mine constitutes a direct violation of this provision.These errors on my credit report are the result of identity theft, and under FCRA 605B, I have the right to block fraudulent information from appearing on my credit report. I demand immediate compliance with this section, and that all incorrect information be removed without delay.Additionally, if the credit reporting agencies fail to act within the 30-day investigation period as mandated by FCRA 611, I will be left with no choice but to escalate this matter, including filing a lawsuit for damages under FCRA 616 and FCRA 617, which hold agencies liable for willful and negligent noncompliance.
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 violated 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 reporting or other personal consumer reports

LexisNexis and XXXX continue to report incorrect names and addresses that do not belong to me. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX any other name or address is not correct and should be deleted to comply with federal law. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.