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

GM financial pulled my credit two times with my consent, agreed on a monthly payment, now theyve pulled my credit score again dropping my credit score without my consent, very unprofessional.
Product: Prepaid card

I am trying to open an American Express Serve prepaid account ( XXXX ). After applying successfully online, I was asked by email to provide additional identity verification documents, at which point I provided images of my US Passport and a recent XXXX credit card statement. I called in to American Express Serve to verify and was told these documents were received properly. I was instructed it would take XXXX hours for review. 

A few hours later, I received two emails, spaced one minute apart ; the first notifying me my Serve account was " locked '', the second stating my account was " suspended '' per Member Agreement, section : XXXX D. 

I called XXXX and spoke to the XXXX team several times but was unable to obtain more information as to why my account could not be opened, or was " suspended '' just hours after my application was submitted. The representatives were unprofessional and terse, just instructing me to refer to the email, which ( attached ) is very sparse in details. Trying to understand why this newly applied-for account was suspended was more challenging as it was difficult to communicate verbally with any of the XXXX representatives. All XXXX were based in the XXXX or XXXX XXXX and spoke with heavily XXXX XXXX, prompting us to frequently have to repeat ourselves and speak slowly. Finally, upon asking for a supervisor, I was first placed on hold for 58 minutes before my phone was devoid power and the line disconnected. The second time I requested a supervisor, I was told s/he was preoccupied and would return my call at a later time, only for me to not receive any calls back. 

Although the representatives were unable to explain the suspension, in reading through section XXXX D of the Member Agreement, there is mention of potential fraudulent or inappropriate activity. Having only applied for the account hours ago and not receiving any card or account number, I have n't had the opportunity to even make use of the XXXX account, much less engage in any activity violating the Member XXXX. 

I 'm not sure what is more bewildering, having my account suspended before I have had an opportunity to open/use it, or the ineptness of the customer service agents. 

I 'm simply looking to open an American Express Serve account to do some XXXX shopping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tele Check File Report Tracking Number : XXXX, The following transaction information listed on my Tele Check Consumer Report is fraudulent and unauthorized : Explore XXXX, XX/XX/XXXX, Explore XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX.
Product: Mortgage

mortgage company refuse me a loan modification on my loan even during covid they said in office you are BLACK BALL and u can never get loan modification. 
the only way too keep home i had to file XXXX  XXXX during the XXXX  XXXX mortgage company sent conflicting statements saying no money was ever sent over the first year they stated my balance went up and they received no money! second year they kept up with same deception stating no money received so i ask for payment history and ask my lawyer why are they sending documents which are very discouraging and dishonest. 
i ask for total paid to mortgage company and i pay account off/ CLERK of XXXX stated on legal document mortgage company received XXXX However they sent statement that i owed for 2years { have document exhibit 1 ) i owe for the two years in XXXX XXXX and balance before XXXX XXXX which totals XXXX plus i almost lost my mind!! So I ask for QWR in XXXX when clerk of court gave me amount paid in to mortgage company and i pay rest off.to this day i have not received nothing they told me i cant talk too anyone, plus they sent all my personal mail with any correspondence too a BK attorney in XXXX which stated he no longer represents me { exhibit 2 } lawyer writes me asking why are they sending your mail to me. 
i told him they are trying too steal the property and keep me not inform, Know out of the blue one rep I spoke to at mortgage company said i don't know why they are treating like this but this guy said I'm send u out a modification pack because you are black balled. 
and i filled it out ( exhibit 3 ) XXXX they never sent me a reply but pull my credit they were still double tracking me for foreclosure/ will not give me accurate pay off XXXXstalling tacti 's then they sent me a foreclosure date 30 says out XXXX. they still have my XXXX now they are trying to unjust enrich their self. NO letters sent to me to cure default, all info sent to different address the forwarded to me how many days is lost.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. 

Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I took a contract through XXXX for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
After completing the test the cards were removed from my account. 
Google pay asked for verification of the cards used but since not mine I responded with my driver 's license and explained the issue Was told that my account was suspended until the chargebacks were removed. ( Which seems incorrect because what happened amounts to a scan ) I tried to contact the developer but my previous contain was removed by XXXX. 

After completing the contract the developer was banned for shady business practices by XXXX. XXXX is not willing to help since they banned the company. 
The developer also did chargebacks on the purchases done in their app ( I didn't receive the purchases, it was done while logged into their account and then I was logged out ) I have asked to Google pay to removed the suspension and for a supervisor and both times have been denied. I am instead given the cookie cutter reasons that I need to provide verification and that I need to remove the chargebacks
Product: Debt collection

I already have a case # XXXX, in their reply they said the debt had been sold. I have been trying to contact Equable Ascent Financial LLC to see why if the debt was sold is there a court date with Equable Ascent Financial LLC. I can not get ahold of anyone, the phone number I find online has been disconnected. I would like to speak with a representative from Equable.
Product: Debt collection

I received a letter from a debt collector stating that I owed XXXX. On XX/XX/year>, I sent a certified letter requesting proof within 30 days. Its been 35 days and no response. I don't know if this debt is even mine, nothing matches on my portfolio. I requested The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the 30 day period, the debt provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; Information About the Authority to Collect This Debt original purchase agreement. 

Tracking number for certified mail sent usps is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus.
Product: Debt collection

NONE OF THE ABOVE - YOU NEED MORE CHOICES. Read on and decide which choices to add. 

When I called Advantage Group on XX/XX/2017 to pay the amount I owed, I discovered they have been charging 15 % interest. So I told XXXX, the rep, that I would pay it all if I got confirmation right away. I needed it right away because of a job that I applied for. XXXX, the rep said she would send something out on Friday, XX/XX/XXXX, so I waited all weekend and did n't receive confirmation. When I checked my online bank statement over the weekend, I saw a charge of {$6.00} and an XXXX number to call. I called to find out what the {$6.00} charge was for and a recording said that any agency using their service must disclose that. Advantage did not disclose that to me and that is why I did not think that the charge was for the collection agency, because I specifically asked if there was charge to use my debit card to ay the debt and was told no. If there was a charge, I would have used an electronic check or some other means to pay. 

On Tues XX/XX/XXXX, I called to find out the status of my confirmation letter, I have not received it yet. XXXX told me that it will be sent on Friday, XX/XX/2017. I told her that I needed it by the XX/XX/XXXX and I specifically told her that when I talked to her on the XX/XX/XXXX, otherwise I would not have paid it all off. AND because of the 15 % interest, I would have made payment arrangements. This place lied to me just to get me to pay the entire debt at once, as opposed to having me set up a payment plan or working something out. It is urgent to me because I need to get the problem fixed and off my credit report for a job. 

During my conversation on XX/XX/XXXX with XXXX the rep I told her that I specifically asked about any charge and she said that she told me and she said that someone else told me when she had someone else on the line. NO ONE told me. I would not have used my debit card knowing I had to pay {$6.00}. 

I feel that they lied just to get me to pay it off, told me what I wanted to hear just to get me to pay it off. I have XXXX money, I have no job and no income and I was trying to get a job and the prospective employer did a credit check and told me to fix the problem before I can move forward in the process. 

So, not only am I out the outrageous fee, I paid the entire amount that I ca n't afford and I will not get the job because I needed to provide proof to the employer by XX/XX/XXXX and XXXX told me I would receive confirmation by then ... ..she lied. Plus, I would have simply set up a payment arrangement plan and used checks in the mail and saved money. 

Their practice of collecting money is not fair and I do n't think they should be allowed to charge interest when they did not try to get in touch with me after I moved out of the state. I submitted my change of address with the U.S. Postal Service, but they did not send me anything to my new address. 

Someone of authority ( You ) should tell them to get their act together. People ca n't always afford doctor bills and they are preying on that! Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and i am quite upset at the inaccuracies you are reporting in my credit record this items are deleted in other Bureaus. I need the following eronous accounts to be deleted. 

Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX Bankruptcy XXXX  XXXX Bankruptcy Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX violated 15 U.S.C 1681a for refusing to block the fraudulent accounts that was not verified I submitted an identity theft reported provided my proof of identity submitted an identity theft affidavit with The Federal Trade Commission see ( attached documents ) as required according to federal law and the credit reporting agencies failed to block the information or provide a legal reason for not doing so.
Product: Student loan

Navient did not disclose that it does not participate in the federal loan forgiveness program. I am a XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX Billed me. I am a XXXX client. XXXX XXXX ( XXXX  ) response was '' XXXX Response : Thank you for contacting XXXX XXXX customer service. I? m sorry you? re experiencing this billing issue. Please contact the provider? s billing department and inform them that as a member of XXXX/XXXX XXXX you? re not responsible for out-of-pocket expenses per XXXX XXXX XXXX XXXX XXXX XXXX XXXX guidelines and should not be billed. If the provider has any questions about the claim filed, they can contact XXXX XXXX directly. If you continue to receive bills for this appointment, please contact XXXX XXXX XXXX XXXX at XXXX XXXX to file a grievance. Feel free to contact Member Services if you have any additional questions, XXXX XXXX '' I sent this to XXXX XXXX XXXX. Now this bill is on my credit report!! I am stll receiving bills. On the XXXX site XXXX gets an F rating because bills are paid and they still put it on credit report!! XXXX COMPLAINTS-https : XXXX
Product: Consumer Loan

Nissan Motor Acceptance Corp ( aka NMAC ) has incorrectly reported a 30 day late payment to the XXXX major credit reporting agencies purportedly for the Month of XXXX 2015. This 30 day late payment reflects on my credit report for the month of XXXX. In a conversation with NMAC Representative XXXX XXXX on Thursday XXXX XXXX, 2015, she referenced the account and acknowledged that NMAC records show that the XXXX 2015 payment was received 28 days past the due date on Friday XXXX XXXX, 2015 but did not credit the account until Monday XXXX XXXX, 2015. She further acknowledged a potential lag time as a result of NMAC 's then XXXX-party payment processing company XXXX, XXXX. In a letter from NMAC dated XXXX XXXX, 2015 they incorrectly make reference to the XXXX payment being received XXXX XXXX, 2015 ; Again, this is not accurate information - NMAC records show that payment was in fact received 28 days past the XXXX, 2015 due date on XXXX XXXX, 2015. This credit reporting practice is not in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting collection account XXXX XXXX XXXX, XXXX for amount of {$670.00}. I have disputed this collection with Equifax several times as this collection does not belong to me. I have also sent XXXX XXXX XXXX, XXXX a debt validation and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my loans should have been forgiven. I have been a XXXX  in XXXX XXXX XXXX  for 14 years. XXXX XXXX, a critical needs area. The reason why I got into XXXX  was to get my loans forgiven, however that promise has not been kept. Quite to the contrary the capitalization of interest has doubled my loans, Even with a XXXX payment I can not get a house, or a car. But this is how we treat out XXXX
Product: Credit card or prepaid card

In XXXX, I was victim of deceptive phone scam and gave away {$10000.00} dollar worth of gift cards to the scammers. Credit card company said they cant do anything for me because I was the one to make those transactions. Could anybody help me get my money back? Or at least part of it? I would appreciate any advice or help. Thank you.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$370000.00}.
Product: Credit reporting or other personal consumer reports

The Contract related to this account needs to be thoroughly reinvestigated due to inaccurate and unfair deceptive card practices.
Product: Mortgage

I am filing this complaint against PNC Bank due to the loss of my home of 15 years. The main mortgage holder was  XXXX  and  PNC  was 2nd. I lost my job due to illness and I was in a Short sale with my home. I was owing PNC under {$10000.00} and  XXXX  Mortgage was willing to pay {$6000.00} of that money and paperwork was submitted to  PNC  over 3 times of the  XXXX  to get their approval of the {$6000.00} as I had a buyer and the home was sold and the closing date was set but anyone who had my file would not, did not return our calls. Also the title company was trying to reach them and PNC would not return their calls either. In turn, I lost my buyer and my home was acutioned off for much less then the contract price due to the negligents of PNC not co operatin g. 2 real estate agents did not get paid for their time and work, I will now need to file bankruptcy, my neighbors value of their homes have gone down and the buyer lost a lot of money in fees. PNC had  10 days to sign off on the paperwork and neglected to even return a phone call either way. I even physically went to the  XXXX  Ohio branch and spoke to someone in the short sale Dept.
Product: Bank account or service

I filed a CFPB complaint against TD Bank on XXXX XXXX, 2015 -- Case number XXXX. TD Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that TD deposited {$30.00} to my account as compensation. However, I never received any such deposit. Therefore, I filed a dispute on XXXX, as a new complaint, Case # XXXX. My new complaint disputed the {$30.00} and repeated many of my original statements, as TD did not address them in its reply. On XXXX XXXX, TD replied simply that it had paid me {$30.00} in XXXX and therefore I was mistaken. I was extremely surprised by this reply, and my response is a XXXX complaint, as follows. 
When TD said that they paid {$30.00} into my account, it sounded like they did so in response to my new CFPB complaint about the new XXXX problem which was the tipping point that caused me to file with the CFPB. When I filed my original CFPB complaint, I did know that TD made a {$30.00} credit in XXXX. In fact, in my original complaint, I stated that TD gave me a {$25.00} apology amount ; that XXXX sum was part of that {$30.00} -- - TD paid me {$5.00} in retro-interest plus {$25.00} for my trouble -- totalling {$30.00}. However, that {$30.00} was regarding PRIOR complaints that I made directly to TD before ever contacting the CFPB in XXXX about the new XXXX problem, and as such, when TD said in XXXX that they gave me {$30.00}, I thought that they meant a new {$30.00} to address the new XXXX issue which I described in my original CFPB complaint -- I thought that until their XXXX XXXX reply. As I stated in my XXXX dispute of their initial reply, TD, in XXXX, changed its offered accounts with no notice, so that I no longer had the best interest rate. Please refer to that XXXX complaint for full details. Yes, in my complaint about the new XXXX issue, I did describe all of my prior problems, because, when I reached my tipping point after the XXXX problem occurred, I wanted your Bureau to be aware of the pervasive problems with TD which I fear affect many, many people, and not just me. But TD never addressed the new XXXX problem ; and the Retail Operations Manager, XXXX XXXX, who gave me the {$30.00} in XXXX, never responded to my call about this new XXXX problem -- in spite of his XXXX assurances to me that he was so very much concerned w/ fixing any errors. As I stated more fully on XXXX XXXX, in addition to wanting compensation for me due to the XXXX issue, I want TD to have to publicize the information regarding the new account structure so that all customers who had Relationship Savings will know that it no longer offers the best TD rates.