23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX, I closed my XXXX XXXX XXXX due to lousy customer service. At the time, the credit card company misapplied payments I had established and refused to correct the problem Since then I've been paying faithfully on my remaining balance, cutting it almost in half. Also since then, I've had limited access to my account online so that I could establish and, if needed, modify online payments. I also use the card 's free credit score service. 

On today 's date, Thursday, XX/XX/XXXX, I tried to access my account on another computer and entered an incorrect password. I was immediately locked out of my account. The only way to access the account and remove the lock is to provide the full 16-digit credit card number and three-digit code on the back, which creates a paradox since the account has been closed for years. 

Also on today 's date, I contacted customer service and spoke to two representatives who refused to help me. The first person said online access ends after six months of closing a card, which doesn't make sense because I've had access to my account online for nearly four years. A second representative said the only way to access my account is with the 16-digit account number, which he said is on the statement. However, I was at work, didn't have the statement with me, and most credit companies have a variety of ways to verify one 's identity. The lousy customer service I received today is of the same level of poor service I received previously. All I want is the ability to access my account to modify payments as needed. It's a closed account so there's no identify theft risk. I will never do business with XXXX XXXX or XXXX XXXX as a result of this fiasco, and encourage everyone else not to give them business either.
Product: Debt collection

D.S. Erickson has been coming after me for old medical debt that XXXX claims we owe but neither D.S. Erickson nor XXXX has been able to provide me full accurate records. Some records I received and disputed with XXXX but they wouldn't do anything about it and so back and forth it goes. D.S. Erickson has told me that I could pay and STILL dispute after the fact. I don't trust this but I have paid them thousands of dollars because they took us to court during quarantine and I had no idea what to do so some of the money I paid willingly but some they took right out of our checking account and we occurred more fees for this! I have repeatedly asked for a statement from the debt collector ( DS Erickson ) to show what I owed vs. what I paid and what they claim I still owe. I was told they don't do anything like that. I don't know when this is going to end and I keep receiving conflicting information. I disputed everything and the judge gave me until XX/XX/XXXX to take care of either further disputes or get an attorney ( which I looked into and that is VERY expensive related to the supposed debt ) - but now I've received a letter in the mail saying there's a court date on XX/XX/XXXX. For what? I am so overwhelmed. Can you help me? ASAP?
Product: Credit reporting or other personal consumer reports

In late XX/XX/year>, I received a phone call from a number that appeared to be Navy Federal Credit Union ( NFCU ). The caller claimed that my account had been compromised and requested my personal information, including my Social Security number and date of birth, to resolve the issue. Trusting the legitimacy of the call, I provided the requested information. Unfortunately, the caller was a scammer who used this information to open a fraudulent loan in my name for {$4900.00}. 

As soon as I realized what had happened, I immediately reported the incident to NFCU and filed an identity theft report. NFCU took some steps to secure my account, such as changing my debit card, but despite my actions, NFCU has held me responsible for repaying the fraudulent loan. I have been making monthly payments on this loan, which has caused significant financial stress. 

I believe this fraudulent loan has been incorrectly reported on my credit report, and NFCU has not adequately addressed the issue, leaving me unfairly burdened with this debt. 

I am seeking assistance in having this fraudulent loan removed from my credit report and relieved from any further obligation to repay it.
Product: Credit reporting or other personal consumer reports

Urgent Request for Immediate Correction of Reporting Errors : Upon reviewing my credit reports, I was alarmed to find significant inaccuracies related to late payments on accounts where I have consistently made timely payments. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to ensure the utmost accuracy when reporting consumer information. I have never missed a payment on the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting a prompt and thorough investigation into these discrepancies. This investigation must be completed within four days, as required by the FCRA. You are obligated to provide clear evidence, such as detailed account records, supporting the claim of missed payments. If no such evidence is provided within the given time, I expect an immediate correction to reflect my payment history accurately, in compliance with FCRA Section 611, which demands both accuracy and completeness in consumer reports. 

I have always met my payment obligations on time, and I will not accept any inaccuracies on my credit report. Please address this matter without delay.
Product: Bank account or service

I withdrew money out of my account at a branch of my bank in another State. Later, I took the money out of the envelope, counted it and discovered that I am short {$100.00}. The teller counted the money out incorrectly!
Product: Mortgage

My mortgage company at the moment is Freedom mortgage been with them since 2012. I recently looked into doing a cash out refinance and wanted information. Be very careful with them their employees will give you wrong information I was told that the lock in fee was refundable that is not the case and when you check your bank statements it show its an appraisal fee another thing they don't mention
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), 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, XXXX, Equifax 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 XXXXThese 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, and 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 an account without my written instructions.
Product: Credit card or prepaid card

XX/XX/2022 XXXX NOTIFIED ME THAT THERE WERE CHARGES ON MY BARCLAYS CARD THAT WAS NOT NORMAL FOR MY PROFILE WITH XXXX I NOTIFED BARCLAYS ABOUT FRAUD CHARGES.THEY ADVISED ME NOT TO USE THE CARD AND THEY WOULD SEND A NEW CARD.THEYDID NOT REMOVE THE CHARGES THAT WERE ON VIOLATED ACCT. PER THE CUSTOMER SERVICE REP.THE NEXT STATMENT ON THE NEW CARD HAD CARRY OVER FRAUD CHARGES FROMTHE OLD ACCT.THE OLD CARD CHARGES WERE IN XXXXTHE NEW CARD, XXXX STATMENT HAD THE FRAUD CHARGES CARRIED OVER.I CALLED AND THEY APOLOGIZED AND SAID IT WOULD BE TAKEN OFF WITH THE INTEREST CAHRGES.tHEY SAID IT XXXX TAKE 2 BILLING CYCLES.THEY DID REMOVE THE INTEREST CHARGESXXXX STATMENT COMES, I CALL HEAR THE SAME STORY.THE XXXX STATMENT COMES, I CALL AND EXPLAIN THE SAME THING OVER AND WITH NO RESULTS WITH THE CUSTOMER REP I ASK FOR A SUPERVISOR AND SHE HANGS UP ON ME.i DO HAVE THE CUSTOMER SERVICE REPS ID NUMBERS. I CALL BACK AND THE CUSTOMER SERVICE REP PUTS ME OVER TO THE FRAUD DEPT AGAIN.I HEAR THE SAME STORY, I ASK HOW LONG WILL IT TAK AND SHE SAYS MAYBE 2 BILLING CYLES BUT NOT MORE THAN 9O DAYS.i EXPLAIN THAT ITS ALREADY BEEN 120 DAYS, SO I SAID WHAT YOUR TELLING ME IS AMBIGIOUS.LET TALK WITHA SUPERVISOR.SHE SAID YOU CANT, I NEED TO CALL BACK IN 5 DAYS.THIS IS OLD.I NEED HELP.I HAVE SPENT OVER 6 HRS ON THE PHONE TRYING TO GETTHIS RESOLVED
Product: Credit card

I sent via USPS Certified Mail the following letter with documentation. I just received note from the bank that they never received the data and closed my dispute. I have a receipt from USPS Comenity Bank received the data. This has been an ongoing complaint since XX/XX/XXXX. Please help me with this opaque and perhaps dishonest bank. 
XX/XX/XXXX Sir/Madam, Acct ending XXXX Dispute Please see the attached pages from my XXXX Statement. 

XXXX issued a the following cheques to Comenity Bank : XX/XX/XXXX {$470.00} Rejected and returned XX/XX/XXXX XX/XX/XXXX {$1100.00} Rejected and returned XX/XX/XXXX I twice paid Comenity, unfortunately the money was returned. I did not know this and found out by accident when logging into my account. I immediately called Comenity and then wrote a personal cheque for {$1100.00}, attached the payment coupon and mailed it the next day. I did not want to risk another XXXX cheque. The payment has posted so now I am carrying a positive balance. The agent was very helpful and friendly and was kind enough to remove the late fees. 

Despite my on time payments to Comenity, the bank has sent a 30 days past due notice to a Credit Bureau. My sterling credit, where I have never, never in XXXX years had a late payment, is now tainted. 

I paid on time and Comenity rejected the payments. See attachments. 

I want the past due note on my credit removed and corrected, immediately. 

I greatly appreciate your help with this unfortunate situation. 

Sincerely, XXXX Two Attachments, XXXX Statement Pages
Product: Checking or savings account

This complaint is re-submitted for complaint # XXXX, which was closed without thorough review. 
It pertains to a promotional offer that I saw on a US Bank 's landing page for checking accounts. US Bank 's website confirmed that I was eligible for the offer by having me to enter my zip code. In one of the 4+ phone calls I've made to the bank regarding the promotional bonus, the representative audibly told me " You're good. They just need to speak to you to verify some information '' after I asked why they would need to call me and if I had not met the offer requirements. This should be in the Bank 's audio recordings. 
US Bank responded to my complaint by claiming that I was not the " intended recipient ''. CFPB should 1. investigate why such offer was advertised on the bank 's website if it hadn't been intended for wide audience. 2. investigate why such offer was confirmed available to the consumer after the consumer entered his own zip code. A print out is attached. 3. investigate who the claimed intended recipient is, and what does it have to do with the zip code? 
This was a predatory scam by US Bank, and CFPB must hold the bank accountable instead of simply dismissing the complaint after US Bank responded. There is a

trail of suspicious issues here!

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

Back in XXXX of XXXX, when the XXXX breach hit the nation, Equifax offered a year of free monitoring. I signed up for this offer. On Saturday, XXXX XXXX, XXXX I purchased a new vehicle. Later that evening, I was informed by the dealership that they could not process my loan due to a freeze that Equifax has on my credit. I logged into the TurstedID/Equifax website, and found step-by-step instructions to lift a freeze. Upon submitting my request, I received a notification that it would take 24-48 hours to lift. Monday, XXXX XXXX, the dealership contacted me again and said the freeze was still in place.I logged into their site, and there was a notice that said the request failed, and to contact Customer support XXXX. I called the number and they informed me that they could not lift the freeze and gave me a number to XXXX ID, who could. I called TrustedID, and they said they could n't lift it, and sent me back to Equifax. Between Monday XXXX and Tuesday XXXX, I spoke to 6 different representatives between TrustedID and Equifax. No one knowing why this freeze was unable to lift. Finally, late Tuesday XXXX XXXX, I spoke to an XXXX ( XXXX # XXXX ) at TrustedID XXXX he said he got all the way to the end of deactivating my freeze, and said it would n't go through. Told me to contact the XXXX Department of Equifax. I called them XXXX XXXX XXXX and they informed me they could not do anything to fix it, and submitted a ticket to escalate my issue. They informed me the process will take 7-10 business days. As of today, XXXX XXXX, my credit is still locked with no updates and the dealership still can not process my loan with this lock in place.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp 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 with error resolution and 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

My account with XXXXXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX. XXXX, XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
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 XXXX  XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX 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

On XX/XX/XXXX I called Ally Bank to find out why I couldn't access my account. XXXX said the account had been closed because they weren't offering Demand Notes any longer. I said I was never notified, and they responded they were sorry. They agreed they had my funds and on the amount. 
I asked if I was going to receive interest, and they said no. They said it would take 10-15 biz days for me to get a check. I asked them to expedite. They said no, not possible. They said they would send a request to have it sent out. I spoke to supervisor XXXX, same story. 

On XX/XX/XXXX I had not received the check, I called them. They said it wasn't 15 biz days yet and be patient. I spoke with XXXX. I talked to another supervisor. Same story but they would make a request to expedite, but no promises. 

I called on XXXX and they said it could take up to 20 biz days. Same story. Everyone polite and nice and well trained to stay in their own lane. This is what we can do. Nothing. 
I called again on XXXX and I was transferred to supervisor XXXX again. Same thing. It's not long enough. Tomorrow would be the last day. 

I called again on XXXX and spoke with XXXX and then XXXX XXXX. XXXX actually told me they supposedly issued a check on XX/XX/XXXX but even that wouldn't take 17 days to go cross country. 
They give me the same limited information, same story. No check. Please investigate.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX through Hyundai Motor Finance in XXXX. I recently moved to XXXX and I have 30 days to title, register, and get XXXX plates on my vehicle. I have been in touch with Hyundai Motor Finance via phone, email, and secure messaging since XX/XX/XXXX. The customer service folks have told me on phone that they have sent the copy of the title to my address ( on XXXX ) and directly to DMV ( on XXXX ) but neither I nor the DMV have received the documents. I have followed up numerous times with customer service and I have never received a tracking number for the mail they supposedly sent. I moved to XXXX from XXXX on XX/XX/XXXX, and I need this paperwork to register my car in XXXX by XX/XX/XXXX. If I don't get a copy of my title soon, my car will become illegal to drive.
Product: Credit reporting or other personal consumer reports

I looked at my report back 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. The account [ XXXX XXXX, XXXX ] is not complete and accurate. 

XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on MY consumer report. 

XXXX XXXX is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

XXXX XXXX has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to urgently request your intervention regarding an error on my credit report related to my Apple Card, managed by Goldman Sachs. This error has severely impacted my credit score, affecting significant life events. 

I recently purchased an XXXX XXXX XXXX, opting to finance the {$1000.00} cost via a 2-year installment plan through Apple Card. However, due to an initial error by Apples customer service, the full amount was charged as a one-time transaction, erroneously showing my card as maxed out. I immediately contacted Apple Card services to rectify this, and was repeatedly assured that the issue was resolved, with the charge now correctly showing as an installment plan. 

Despite these assurances, my credit report suddenly reflected an XXXX drop, inaccurately indicating a maxed-out card. This is in stark contrast to my excellent payment history, 35 % overall credit utilization, and no other maxed-out cards. The incorrect credit report has already negatively affected my ability to secure an apartment rental and pursue car financing. 

The urgency to correct this mistake can not be overstated, as it jeopardizes my financial stability. I have included all relevant documentation and correspondence with Apple Card customer service as evidence. Should this error not be rectified promptly, I am prepared to pursue legal action to defend my rights. 

I appreciate your immediate attention to this matter and look forward to your swift action to help correct this critical reporting error.