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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I want to file a report against my mortgage lender and servicer Cardinal Financial Company and XXXX who have not followed FHA guidelines and have been engaging in unethical servicing practices and now I am in the beginning of the foreclosure process because of their actions. I want to pay and I want to fix this but they have blocked access to these programs and ignored me. I was negatively impacted by XXXX and had my hours cut and my girlfriend who helped with some of the bills was laid off. I could not keep up and in XX/XX/2020 when I could not make my payment I tried to call XXXX to see if there were any programs they could offer me to help me get through the hardship. I could not get anyone on the phone ( probably working remotely ) and had to leave voicemail through the automated system. I left many messages and never received a returned call. I did not receive any notification by mail or anything else, no one told me about or offered the government CARES forbearance plan and I was never able to actually speak to an agent from the lender. Not only did I lose hours at that time but also my furnace went out and had to be replaced and my roof was leaking so needed to take care of that. To make matters worse, I got hit with past due state income taxes and they began garnishing my paycheck. I wanted to pay my mortgage, I wanted to do what I could but my lender and servicer did not respond to me in any way or offer me access to any programs. Finally in XXXX of this year I heard from them and they were sending pre-foreclosure paperwork to me. This is wrong. 

I work as a XXXX XXXX on industrial machines. I had financial issues in the past due to XXXX and child support payments and credit card debt, but I always paid my mortgage on time. I began struggling due to the XXXX XXXX pandemic and Congress passed the CARES act to help people in my situation with a forbearance. At the end of the forbearance, the lender is supposed to work with the homeowner to provide access to loan modification or restructure options so they can resume making payments and get back caught up with the bank. This never happened. I never had ANY contact from my lender despite multiple and repeated calls to them over several months. There was no offer of the CARES program, and there was no review of my financial circumstances for modification or other options. There was absolutely NO communication until they told me I was in foreclosure. 

I am back working full time and make a good living and can afford a fair mortgage payment. I just can't pay back all of the late payments all at once and need XXXX and XXXX to work with me to review my current financial information and consider me for all homeowner assistance options ( including forbearance ) including loan modification, partial claim, loan restructure, capitalization of arrearages or repayment plan. I make enough money to afford a fair and reasonable mortgage payment to save my home.
Product: Debt collection

I dont know where this debt is from, my father has the same name??
Product: Vehicle loan or lease

Tried to pay off my lease based on buyout contract and amount specified. They rejected it and locked account so I couldn't try to make payment again. Had to speak to multiple agents and staff to get anywhere near an answer, which ultimately put us in a tough financial situation without much recourse other than to mail in payment without guarantee that it would process properly.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never obtained this account and also how can a person obtain an account on two different days and then the same date its last reporting was the same day the account wa closed, that doesn't make since. this company stole my information and refuses to fix the error. I have been sending in disputes for months and they get rejected in a day or the company responds back verifiable within any written notice and without any supporting documents. I don't even know what information was used to obtain this account nor does any of the information on my credit report matches this information and that is one of the regulations and guidelines any business or consumer to have update information or accurate information across all three bureaus and this is not the case. please have a human review my request and not an automated system or machine and also update and send any verifiable documents with notary signature and matching ID used at time of purchase or delete this fraudulent account.
Product: Prepaid card

XXXX/XXXX/2015 XXXX fraudulent transactions were charged to my serve prepaid debit card from american express I immediately contacted american express customer service, they stopped XXXX of the transactions from posting, but the XXXX other fraud charges were posted AFTER I had spoke with their csr - those XXXX transactions were debited to my account, and the csr told me they will cancel the current card, reissue a new one and that I should transfer all active card prepaid funds to my serve reserve account so the fraud would not continue. I did as I was told. 

received the new card, however American Express Serve Card has locked my account. I can not use my funds that they have, since I can not access my account nor activate the new card. 

I escalated to a supervisor at the XXXX Call Center they can not do anything my account still controlled by their fraud dept I have spent a total of 161 minutes on the telephone with the Serve Customer Service team located in the XXXX the Customer Service Rep states they will connect me with their frad department which has locked-out my account - THE CSR NVER CONNECTS ME TO THEIR FRAUD DEPARTMENT They are holding my funds and I have no way to have any type of access too my funds via their prepaid debit card or my account access. 

I AM TOTALLY LOCKED OUT AND THEY ARE HOLDING MY FUNDS.
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 violates the Consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to address and prevent 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 ). These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my 3 credit report and there are some inquires that are listed on it that NOT mine.. I contacted Transunion several of times. With contacting them they told me that I needed to contact every creditor on my report and obtain a letter of the deletion. Everyone that I contact advised me to dispute with Transunion repeatedly. Okay I contact ALL of the inquires that did n't belong to me. Have contacted TransUnion so many times to address the situation and it has n't been address.. I was advised by a Transunion US supervisor to go to my local police department and file a report. Which I 've taken the proper steps to get this removed. I just need this inquires removed this hurting my credit BADLY. It very emotion draining for myself, what I 'm trying to do with my life. I listed the following things : XXXX XXXX XXXX XXXX XXXX.- ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX - ( XXXX ) -XX/XX/XXXX XXXX XXXX - ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX- ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX- ( XXXX ) - XX/XX/XXXX XXXX- ( XXXX ) XX/XX/XXXX I also contact XXXX as a financial company that I was using for a car I got. I volunteer return the car due mechanical trouble from day 1.. I stated that to the company and they said they are n't responsible for all of that. It was too much paying for the car and getting the car repair. I talked to the dealer was n't any help after WEEK 1. this is showing negative on my and mother credit and I need this off. because they no have the account anymore. But I did everything we are suppose to do make it and resolve it.
Product: Credit card

The QUICKSILVER credit card from Capital One is a high-interest credit card ; assigned APR is greater than 25 percent. I ask about every two months for a reduced APR. Capital One always declines. Capital One will not give me direct contact information to the HQ office that sets APR rates. This morning, for instance, I chatted with two people online and talked with nine people by telephone without results. 
My payment history with Capital One is EXCELLENT ; my payments are always much greater than the minimum. 
The Marketing Department, which I 've been told is the department that sets APRs, is unreachable by phone or email. 
Additionally, Capital One is not properly crediting the 1.5 percent cash back that I should be receiving on all purchases. Moreover, Capital One calculates the APR improperly ; said calculation results in higher monthly interest, and, hence, higher APR ( closer to an effective 50 percent APR ).
Product: Credit card or prepaid card

This complaint is about charges made to Discover credit card no. ending in XXXX. InXX/XX/XXXX my wife and I changed banks from which our credit card bills were debited- from XXXX  XXXX XXXX to XXXX XXXX . Discover was notified on their website of this change and also a change to Discover credit card no. ending in XXXX. Discover made the change on XXXX but tried to debit {$3000.00} from XXXX  XXXX XXXX for XXXX from which we had reduced funds that would have covered that amount. We added funds back to XXXX to cover the amount. Discover then debited {$3000.00} from both bank accounts for the same month. Discover subsequently credited one of the charges. But, on XXXX Discover made a charge on XXXX for " ACH Funds Transfer Reversal '' of {$3000.00}. After examining the bill for XX/XX/XXXX to XX/XX/XXXX and finding this charge, I called Discover on XX/XX/XXXX. The Discover associate acknowledged that an error had been made and we would have that amount credited back to our XXXX XX/XX/XXXX account. No credit occurred. On XXXX XXXX I called Discover again to ask about the credit and was told it would be credited. No credit occurred again. On XX/XX/XXXX, I called Discover again and was told that the above amount had been sent to our account at XXXX on XXXX XXXX. Contact with the bank showed no deposits had been made for that amount to any of their checking accounts. Discover so far has refused to credit the {$3000.00} that we are owed. We need help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO PORTFOLIO RECOVERY. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT PORTFOLIO RECOVERY IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.
Product: Credit reporting or other personal consumer reports

am writing to advise that I am a victim of XXXX For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXXPlease block this information from my credit report within four business days, pursuant to secti

on 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX in persons or XXXX XXXX if the consumer has provided XXXX documentation to the consumer.

Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures Proof of identity XXXX
Product: Mortgage

After XXXX hit XXXX, My father and I were informed that a new flood insurance was issued for our property for XX/XX/XXXX thru XX/XX/XXXX. We informed Shellpoint ( a mortgage managing company for New Penn Financial ) that we would not have gotten the loan in XX/XX/XXXX if we were not covered with Flood Insurance. Later my father and I leared we had flood insurance, but not for the period of XX/XX/XXXX thru XX/XX/XXXX. We ended up getting flood insurance from XXXX on XX/XX/XXXX, which extends through XX/XX/XXXX. I was informed by a worker named XXXX that we show flood coverage for day to date except for the period of XX/XX/XXXX-XX/XX/XXXX. If they wish us to pay for that period they could have requested the payment or add it on the mortgage as stated in the Deed agreement on record at the XXXX County Court House ( pg.5 of 14, # 5, Property Insurance ). Instead, Shellpoint set up an escrow account for taxes and insurance we have already paid. When we spoke to an attorney, she suggested that we make a complaint to the CFPB. I am tired of harrasment calls of being late with the mortgage payments. We have sent them the complete mortgage payment for principal and interest, and each month and they have the nerve to charge a late fee on the escrow payment which is not suppose to be on record. In the 11 1/2 years that the XXXX 's have owned this property, there has never been an escrow account. We informed Shellpoint that their escrow account was illegal and they would here from my lawyer, but on advise of an attorney, hearing from the Federal Government is better.
Product: Vehicle loan or lease

I recently found out that my auto contract with XXXX XXXX and Capital One was fraud and exercised my rights to rescind signature under 15 U.S. Code 1635 due to down payment and warranty was added on to finance contract when no other instruments are supposed to be added in financing charges along with insurance premiums which was not disclosed as well. This is violation of consumer law 15 U.S.Code 1605 ( c ) .Finance company is reporting to Credit Bureau when bill of sale was made with dealer XXXX XXXX which is a violation of consumer law under permissible purposes. 15 U.S. Code 1681. Both dealer and finance company has been notified via certified mail as of XX/XX/2022. Also I was under high pressure sales tactics in which they allowed me to leave with vehicle a free signing contract then called me stating I needed more information to be approved after I already was done with paperwork. Also stated I needed to make an additional deposit of another {$1000.00} after initially making XXXX dollar deposit. This was direct fraud as well. Contract says I paid {$2000.00} and I paid {$1000.00}. Car lot also didnt own the vehicle at time of purchase as well which was also found out to be fraud. Also I was not informed of my right to rescind. I Was charged late fees and it was reported on my consumer report which is also a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

PayPal 's customer service line is closed and has been closed for couple months. I am trying to resolve a refund issue with PayPal without any ability to contact them. They claim the chat feature will help with this, but it's an automated system that doesn't resolve the issue. The issue I'm having is that I closed a bank account which I used to make a purchase using paypal. I made returns to XXXX  's and they issued a refund to me through PayPal ( which is correct ) on XX/XX/XXXX, which in return should go back to my bank account. my bank didn't receive it because it had been closed prior to the refund. I called and verified that my old bank didn't receive it. I called XXXX 's who said the refunds haven't been rejected back to them. They claim they don't see any refunds back to them and that the refund is with PayPal, yet there is no way to reach a live paypal agent to resolve this issue. It's been 2 months without any success in reaching PayPal. XXXX XXXX is unable to issue a refund to a different account per their policy, so now I am stuck with PayPal having my refund amount with no way to reach them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX working in the XXXX XXXX since XXXX. Before that I was in XXXX, XXXX XXXX and the XXXX working since XXXX. 

I respectfully request your assistance to have several trade lines removed from my credit profile. Capital One and XXXX XXXX, in behalf of Capital One is reporting a charged off account for me which were opened by a XXXX party without my knowledge or consent. I have made a good faith effort to resolve the issues with the bank and with the Collection Agency During a routine security clearance check in XXXX, the listings were discovered. I have been attempting to resolve this with companies since last XXXX, XXXX. 

I will lose my job if I dont have my security clearance restored. 

I am including my permanent address in Maine ( were my XXXX  lives ), along with my drivers license for XXXX and XXXX showing I have lived in XXXX and XXXX full calendar since XXXX. 

Please advise who I can call to resolve this. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian and asked them to remove all negative information in connection with my consumer report because I never gave them permission to use my private account information. Moreover under rules and construction 15 usc 1681 ( a ) ( 2 ) ( i ) transaction information is forbidden in respect to consumer ( me ) and person reporting it ( Experian ).
Product: Credit card

Citibank NA offered me a below XXXX percent interest rate on balance transfers, which I accepted. I then used the card for purchases. When payment was due I paid more than the amount of the purchases to ensure that the purchases would be paid off every month. Citibank applied a large percentage of the payment to the low percentage rate balances and NOT the 28.99 % interest rate purchase balances. It did not pay off the high interest rate balances, thus forcing me to pay 29 % interest even though I paid enough to repay purchases and all purchase balances. This is devilry and trickery. It goes back to the statement closing XXXX XXXX. 

Closing date XX/XX/year> I am charged interest for XXXX cents of purchases that there is no explanation for, despite making a {$70.00} payment ( minimum due {$65.00} ). The high interest balance was not paid off. 
Closing date XX/XX/year> I am charged interest on XXXX cents in purchases balances despite making a payment of {$75.00} ( minimum due {$64.00} ). The high interest balance was not paid off. 
Closing date XX/XX/year> I made purchases of {$180.00} and paid {$220.00} on them. The high interest balance was not paid off but I was charged interest on {$46.00}. 
Closing date XX/XX/year> I made purchases of {$70.00} and made a payment of {$220.00} and the high interest rate balance was not paid off. I was charged interest on balances of XXXX. 


I paid more than enough to pay off the purchase balances and instead they were not paid off and the low interest rate balance was reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$150000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXXXXXX Balance Owed : {$38.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 
XXXX  XXXX Balance Owed : {$16000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a debt collection XXXX  on my credit reports that I have had deleted twice and transunion and XXXX keep putting it back on my report. I have contacted transunion and nothing has been done. I have some accurate date of XX/XX/2021 I have a confirmation that transunion deleted XXXX but yet it still remains on my report. I know for a fact I have disputed this twice this year and both times it was deleted because of my dispute but then it shows back up 3 to 4 months later. Any and all help will be appreciated as I am working diligently on my credit.