23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have an escrow account with my institution but my escrow account keeps getting higher I 've had this escrow account for more than two years and I 'm told and they statements that I owe more monies Please help me to resolve this major issue and concern
Product: Prepaid card

I received this VanillaGift as a gift and when I opened it, the card numbers were scratched off on the front. I can see the first XXXX digits and the expiration date, but nothing else. The back information is fine. 

I tried to contact VanillaGifts phone number ( XX/XX/11 ) and finally, after going through the automated service, they connected me to a customer service rep. The rep is requiring my name, phone number, email address, and mailing address, I assume to mail me a new card ( did not say ). 
They also went on to say they need pictures of : The front and back of my photo ID The front and back of the gift card The receipt, which I do not have since it was a gift. 

This is crazy and XXXX cant even use the various serial numbers or bar code on the back of this card to provide any information. Please help.
Product: Credit reporting

TRANSUNION WILL NOT ALLOW ME A FULL FILE DISCOLUSE AND THEY ARE PURPOSELY NOT COMPLYING WITH THE FCBA AND REPORTING THE XXXX XXXX XXXX ACCOUNT AS IN DISPUTE INSTEAD PUBLISHING FRAUDULENT ACCOUNT INFORMATION, THEY HAVE MIXED MY FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost card and requested new card to pay the bill online. XXXX not sent credit card in right time to register at online pay the bill. 

Now, they are showing 30days delay.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

BANK OF AMERICA did a garnishment on a notice of intent to levy and not an actual court ordered levy and when asked to produce the documents or file that authorized them to garnish account they would not. I need those documents that they used to garnish to file civil liability, damages and actual damages against this illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to remove all false and fraudulently placed accounts and inquiries on my consumer report. Equifax assumed this role and did not exercise their grave responsibility, they where unfair, partial, and did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish or create this report and I never gave consent to this report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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

Hello, I am writing to you because I recently tried contacting all 3 credit bureaus and had the most difficult time in doing so. I spoke to 1 person on the phone from Transition and he was very disrespectful. I kept explaining to him there's fraud on my account and he kept asking me the same questions over and over and not comprehending what I was saying. He also told me to send in my report which I did and still no change or anything. This Is very alarming what's going on, because this means criminals can just go around and steal innocent peoples information and identity and nothing is being done about it. I will have to get a lawyer and sue all 3 companies if this is not resolved immediately. This is also making me believe some of these companies can be involved with he fraud and now don't want to make it right. I would like my report to be taken seriously and have them remove these fraudulent accounts off my credit report. Please update me with a solution to this problem because next I have to contact the XXXX  and Attorney General to look into this matter and seek compensation, cause this is not right on so much levels. Thank you for your time and I hope this can be wrapped up quickly.
Product: Credit reporting or other personal consumer reports

An unknown person and/or business fraudulently added my name without my permission as an authorized user on a CITI CARDS/CBNA credit card ( Partial acct # XXXX ). The current balance is approximately {$12000.00} dollars. I called and reported this information together with fraudulent addresses listed on my credit report to all three credit bureaus. I also contacted XXXX  XXXX ( XXXX ) to have this information removed. However, they did not have me listed on the above-mentioned account. 
It should be noted that the above account was removed by XXXX and XXXX, but XXXX dispute results stated the information was verified as accurate. THAT IS IMPOSSIBLE! I have NEVER authorized or given permission to anyone or any business to add my name as an authorized user on the above-mentioned account. Today, XX/XX/year>, I refilled a dispute with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Me and my husband went to the car lot, we asked the dealership to only pull from 3 places. When we realized we went to them, I advised I would sue them but anyway I had them print out a letter stating they fraudulently ran our credit. I called the bureaus, XXXX removed it, XXXX has been giving us the run around. Experian removed it for us no problem. 
We sent a letter to all 3, matter of fact it was the same documents, XXXX admitted they received the paperwork, butthen sends me a stall letter stating that it seems to be coming from a 3rd party, I begin to question what indication do they have when I submitted me and my husband 's dispute letter, the letter from XXXX of columbia, ftc reports packaged together ... I told them they need to stop trying to correct people 's reports sending that letter just to prolong the process, they said I have to send it again because they got my ID the next day following ... Im like what does it matter you have every piece of document you asked for. It's gon na be the same info again which is costing me monies to resend. I sent the documents certified at that. 
According to 15usc1681a ( 1 ) ( A ) violation of rights It has been over 30 days nothing back yet they have 30 days to respond Also I reported two negative accounts XXXX  I disputed, it was marked late 15usc1681a ( i ) 2transactions history is excluded from the consumer report, 15usc1666b timing of payments shouldnt be reporting after the first dispute they removed it from XXXX to XXXX when it should be removed permanently XXXX is reporting and I have no business with them. I sent them a stop and decease letter and i disputed this as fraud and to remove the account from my credit reports... this has dropped my scores tremendously...
Product: Mortgage

This mortgage is with PHH. Our previous complaint number was XXXXXXXX XXXXXXXX. 
I did not answer back on that complaint because to me their response was more of the same untruths that I had seen in other letters to the Attorney General. My life experience is very different from what they have in their response. But this complaint is to finalize my experience with them and I need your help. This proves that they are fraudulent as I have said all along. 

I offered them a payoff on the home of {$100000.00} on XXXX XXXX. They needed over 4 weeks to get another appraisal on the home before they turned that down. That is what I owed when the mortgage CLOSED in XX/XX/XXXX. ( We had hired a lawyer to sue Ocwen/PHH for fraud and he actually turned out to be fraudulent as well. He NEVER gave us ONE document that the mortgage company gave him from XX/XX/XXXX till we received the ACT 91 notice in XXXX XXXX including their loan modification offer to this day ). Unfortunately, they were continuing to add on to the CLOSED mortgage every month through the pandemic.for the past two years. 

XXXX XXXX XXXX, who gave me the refusal, also suggested to offer {$110000.00} which I did. It took them till XXXX XXXX, to turn that offer down. They sent several letters for extension saying they had to do research and I had a complaint???? ( don't know what that was ). I had asked for an answer by XXXX so that we would be able to enjoy our last family XXXX together as my mother has XXXX  XXXX and I had been in and out of the ER and doctor 's offices because I could no longer keep my food down without medicine and extreme pain. The doctors finally deduced this was due to the mortgage stress and loss of income due to attendance at the events we do for a living because of the virus and a severe loss of income. So XXXX was a hellish month for myself and my husband instead of one of holiday joy. 

Then XX/XX/XXXX, we received an email from XXXX XXXX, who has always been amiable, saying that our {$110000.00} offer was unacceptable and the " investor '' wanted the full amount of {$130000.00}. Our original mortgage in XXXX was {$140000.00}. We received {$10000.00} in principal credit through the HAMP program from President Obama 's program, so the " investor '' is giving us credit on 3 MONTHS of mortgage payments that we made during 15 YEARS of making payments. XXXX XXXX gave us until XXXX XXXX to obtain the additional {$16000.00} in funds. However, this past Friday, the XXXX of XXXX, we received a letter dated XX/XX/XXXX that they have hired a lawyer and STARTED the FORECLOSURE process on us. I had told her all along the 14 months that we have been communicating that I wanted to avoid that at all costs. At no point in her email to us did she say that she was going to foreclose on us before XXXX XXXX. 
She NEVER SAID that we had to overnight {$130000.00} to avoid the FORECLOSURE process. We want that FORECLOSURE process STOPPED NOW!!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of my mortgage account # XXXX by XXXX XXXX XXXX XXXX to the credit reporting agencies XXXX, XXXX, and TransUnion. My mortgage account was placed on a hardship payment deferment program from XX/XX/XXXX until the mortgage loan was paid off in XX/XX/XXXX due to the financial hardships I faced as a result of the XXXX pandemic. My account should never have been listed as late. 

During the course of the hardship assistance program, I encountered numerous challenges and discrepancies in dealing with XXXX XXXX XXXX XXXX. The process was plagued with delays, lost paperwork, unresponsiveness, and conflicting information from your representatives. In XX/XX/XXXX, despite being assured that everything was in order, I discovered that my home was in foreclosure, which forced me to take immediate action, including temporary bankruptcy filing, to avoid losing my home. 

Furthermore, the obstacles I faced in receiving a {$50000.00} Virginia XXXX grant to help with my mortgage payments were compounded by the difficulties imposed by XXXX XXXX XXXX XXXX. These experiences have led me to believe that the actions of your representatives were intentionally obstructive and designed to put me at a disadvantage in order to facilitate the bank 's financial gain through foreclosure. I have detailed records of correspondence with your representatives as evidence as well as recorded phone calls. 

The inaccurate reporting of my account as late on my and the co-buyer ( XXXX XXXX ) credit reports ( 8 instances of 180 days late, 1 instance of 150 days late, and 1 instance of 60 days late ) is misleading but also severely impacting my ability to secure credit and adequate living arrangements. I demand that XXXX XXXX XXXX XXXX correct my account to reflect that payments were made as agreed and that no late payments occurred. 

Failure to rectify this erroneous reporting promptly will leave me with no choice but to pursue legal action to protect my rights. This may include seeking restitution for the legal fees incurred, compensation for damages suffered, and punitive damages for the undue stress and hardship caused by the actions of XXXX XXXX XXXX XXXX. 

I hereby request a timely response from XXXX XXXX XXXX XXXX and urge for the immediate correction of the erroneous late payments on my loan account. Your cooperation in this matter expediently is appreciated. 

Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed 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

In XX/XX/XXXX Bank of America noted fraudulent activity on my credit card and replaced the card with a new one. When I received my XXXX statement I noted further fraudulent activity. After a short period of confusion I determined that six transactions were fraudulent. I talked to nine different staff at Bank of America over one month regarding these transactions. OnXX/XX/XXXX Bank of America issued me a letter indicating they were " unable to assist with the fraud claim '' on my account and I was liable for all charges. I did not make these charges and by law should not be liable for them. The six transactions are : XXXX XXXX XXXX ( date XX/XX/XXXX ) ref number XXXX {$130.00} XXXX XXXX XXXX (XX/XX/XXXX ) ref number XXXX {$38.00} XXXX XXXX XXXX (XX/XX/XXXX ) ref number XXXX {$6.00} XXXX XXXX XXXX ( XX/XX/XXXX ) ref number XXXX {$27.00} XXXX XXXX ( XX/XX/XXXX) ref number XXXX {$69.00} XXXX XXXX XXXX ( XX/XX/XXXX ) ref number XXXX {$68.00} These charges total {$340.00}. I have paid these charges but should receive a refund.
Product: Mortgage

My aunt passed away in late XX/XX/year>. I did not live near her, and had no idea who her mortgage was with. It took some time to find out that her mortgage was with SPS. I contacted them and spoke to a representative who said he documented the account. In XXXX I became the Administrator for my aunts estate. Prior to this I could not legally work on her home. I sent the " relationship manager '' the copy of the letter of Administration and didn't hear back. I called and they said they could not talk to me because I was not approved as a third party to release information to. They said they needed a new death certificate. I sent that via email while I was still on hold with the agent. I did not hear anything again. I called back and was told I was still not approved. I contacted my attorney. I sent them a follow up email with my attorneys information as well. In the meantime I put XXXX into the house in order to put it on the market. While a crew was working on the house SPS put a giant sticker on the door saying that the home has been deemed vacant and they were seizing it in three days. I called the number on the sticker which is no longer in service. I called SPS, and the relationship specialist said, " yes, we put the sticker there ''. I said it is not vacant, there are three people there currently working on the house. The sticker was extremely hard to get off, and we replaced it with a no trespassing sticker. In the state of California I wasn't allowed to work on the house until I had received the letter of Administration. We were working as hard, and as fast as possible to get the home on the market. I called SPS again and waited an extremely long time to speak to a supervisor who said she was going to " note on the account that I had given them all necessary documents and that the underwriter should approve me ''. I was drowning in stress, and they would not give me any information. Fast forward, and we put the house on the market, and we accept an offer in less than a week. It is now in escrow, and the title company is able to get a preliminary payoff amount. It was XXXX more than the one my aunt had in her home when she passed. I signed escrow papers, and the title company reached out to get the up to date payoff amount. They now tell the title company that have been not approved as a third party, and will not release it. The title company has higher ups call. SPS says they will mail it to the home. They asked for it be faxed. At this point it had been five days since I had signed the documents. The title company added interest to the payoff amount and wired it to them. I am praying that this accepted by them. This company is the worst. I did everything I was supposed to according to the state of California, but his company doesn't have to play by the rules. I wasted a ton of time and stress dealing with this company. The two people whose names I did write down were XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Please see attachments for CEASE & DESIST and proof of identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX, Account # XXXX, XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 a account without my written instructions
Product: Mortgage

Back in XX/XX/XXXX, I wanted to sell my home, so I started the short sale process with Bank of America. Bank of America was so difficulty asking over and over again for paperwork and the Short sale specialist XXXX XXXX from the Bank was very nasty. After months 9 months and 2 potential buyers walked away I wanted to keep my home so it wouldnt go into foreclosure. So in XX/XX/XXXX I recently applied for a loan modification, because BANK OF AMERICA recently did not agree on the price to sell my home to a particular buyer The bank wanted ore than the house was worth.. The home was apprasied at {$110000.00} by Bank of America. Then Bank of America wanted turn around and wanted {$140000.00}. I couldnt believe it. So to avoid my home going into foreclosure I started the Loan Modification process. About three week ago around XX/XX/XXXX I receive a letter from the Bank of America denying my loan for a modification because of my check stubs. So, my representative from Bank of America refer me to the Appeal process Department. I wanted to Appeal and give the Bank wanted they needed, they also denied me for an appeal!!. Something is not quite right about this situation. I am fighting to keep my home! Bank of America has been very difficult to work with. Bank of America is setting me up for failure. Bank of America wants me to lose my home. I need some help to keep my home. This has been a stressful situation. I am able to give the Bank what they need to keep my home. I am asking for loan modification so I can keep my home and have lower mortgage payments to survive. I really need a solution to this problem. I don't want to be out on the streets homeless.Please help me. Thank you XXXX XXXX XXXX number XXXX BAC NUMBER XXXX At the below attachment you will see the rejection letter from Bank of America. This was one of the main reasons I wanted to keep my home.
Product: Credit reporting or other personal consumer reports

Ive had multiple charges and accounts on my credit Ive never opened I had no knowledge of I tried to dispute multiple multiple times and its still affecting me that I cant use my credit or build I also seen cars that I never owed pop up on my XXXX XXXX account it dropped my credit XXXX points in 1 day I think this is very unfair because when I need an advance Im not able to use credit because somehow someone has destroyed my credit
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had a fraudulent account on my report, please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account XXXX XXXX XXXX XXXX XXXX ( Account Number : XXXX ) ( Account Type : Security Credit Card ) is being reported as late as of XX/XX/XXXX. I have never been late on this account and have had this account since XX/XX/XXXX. Update this account to current Never late as paid on time. 15 U.S. Code 1666b ( a )
Product: Checking or savings account

There are numerous debts to my checking account with Chase that are unauthorized, spanning a period of approximately 60 days. All charges are listed as a POS transaction with XXXX. They total approximately {$1200.00}. I called Chase to immediately cancel or lock my debit card when I noticed these fraudulent transactions, and the customer service rep refused to do so, indicating my card was not likely compromised. I told her I did not care if that was her opinion, that for my own protection, I wanted a new card issued immediately. Again she refused to do so, stating that whoever had hacked my account would also have access to the new card number generated. She directed me to call XXXX instead and handle the problem with them. When I called XXXX, they were able to identify the transactions as fraudulent, and being associated with XXXX XXXX. They said they would reverse the charges but that it could take up to 30 days to receive a refund. I couldnt believe Chase would do nothing to secure my account with them. Additionally, they never once advised they have any requirement to refund the charges identified as fraudulent. The charges are sometimes up to 14 different transactions in one day. They vary in amounts From {$20.00} to a few hundred dollars each. Im astonished that Im left to do nothing but watch money fly out of my account and hope I didnt really need it.