23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling out a complaint against Cash App ( Block, inc. ) due to inadequate customer services and unfair practices, which violate the Customer 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

In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau. 

XXXX XXXX sold the alleged delinquent debt account to Credit Corp Solutions. 

In XX/XX/XXXX, I paid Credit Corp Solutions for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and Credit Corp Solutions assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent. 

XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, Credit Corp Solutions refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full. 

I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times.
Product: Debt collection

I contacted Advance Collection in XX/XX/XXXX disputing information being reported on my credit report. Advance Collection sent me some registration paperwork but fail to provide me with proper documentation for the amount that they are claiming that I owe. I contacted the credit bureau in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting documentation for the information being reported on my credit that is damaging my credit I never received any documentation of proof that I owe the money being reported.
Product: Credit reporting or other personal consumer reports

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! 


Kohls capital one states I owe {$460.00} This is illegal for these companies to report this information as it doesnt meet the minimum standards for reporting as it is inaccurate, and no proof has been provided.
Product: Debt collection

They tell me that I had owed a debt from  XXXX  credit card, and they can not sue for it due to the age of the debt. I tell them that I am on a fixed income and they still offer me a high amount to pay it off. When I asked to stop or cease contact they refuse
Product: Checking or savings account

Recently I came across two XXXX Certificates of Deposit ( {$80000.00} ea. ) in the family safe deposit box. I contacted Wells Fargo Bank on XX/XX/XXXX, provided requested information and they opened an Investigative Case, No. XXXX. Wells Fargo has responded to me on several occasions regarding this case with supposition and conjecture but provided nothing regarding the disposition of the CD 's or the funds. All that they have told me is that they keep inadequate records for older CD 's. I have checked Unclaimed Property with the State of California and found nothing. I want Wells Fargo to show me proof for the disposition of these CD 's. I will not accept assumptions or the conjecture that they have thus far provided. I would also like CFPB to stop the unreasonable delays and superfluous correspondence that Wells Fargo has been perpetrating on me in this matter.
Product: Credit card or prepaid card

I was making a payment towards my Care Credit XXXXSynchrony Bank and pulled my statement to notice I was charged {$99.00} on a {$550.00} balance. My apr with this card is 26.99 %. I asked how they can justifiably charge that type of interest on that amount and they claim it is because a promotional offer has expired. Even though the promotional offer expired, it does not constitute an enormous increase of interest. I need for someone to look at this. I did get irate, because they thought I would not know better; but I do work in the XXXX XXXX & never have seen such price gauging.
Product: Prepaid card

I was issued a promotional {$50.00} prepaid card from Citi Bank. It was not clear to me that on the " good through '' date on the card the funds would " disappear. '' The card clearly says DEBIT on it, and I thought it would be treated like my bank debit card. My understanding is that I would have to obtain a new card. I spoke with XXXX different people at CitiBank Prepaid Card Services. They all had the same response, " Sorry ca n't do anything about it. '' They said I could n't speak with any further supervisors to explain my issue. The last person I spoke with was XXXX ( employee # XXXX ). When I asked for the address of their corporate office, she gave me the wrong address ( I checked online ). I saved this card to spend on something special. {$50.00} is a lot of money to lose ; if they do this to XXXX people, they just netted themselves a fast {$5000.00}! I want this resolved by receipt of either a check or new card.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX Balance : {$5800.00} XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX / XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$8900.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Credit card or prepaid card

On XX/XX/2020 I signed up for the American Express Financial Relief Program via chat. I thought the program would lower my interest rate temporarily for my Delta Gold Card but I had no idea that American Express would close my Gold Card ( charge card ) as a result. I misunderstood the person via chat and it's not listed anywhere on their website that they will cancel your charge card. When I began the process I told that my Gold card wasn't eligible for the program and if I still wanted to proceed, but I wasn't told that American Express would be canceling my charge card. I thought it meant only the Delta Gold card would receive a lower interest rate. Anyway, after I consented I was informed that my charge card was being cancelled. I asked the customer service rep to cancel. I was informed that it could not be undone. I've contacted customer service and was on hold for over 40 minutes before I reached someone. I was told the office was closed and I would have to speak with someone tomorrow. I was also told I could be removed from the program but I still don't know which is true. Either way, this was extremely deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a charge card with XXXX XXXX XXXX XXXX card number XXXX XXXX XXXX with a {$4600.00} balance that was charged off. I attempted to settle this debt with XXXX XXXX but was told the debt was " cancelled ''. They sent me a XXXX ( which I have attached ). A cancelled debt that I am unable to pay can not remain on my credit files. I can not be held in jeopardy for something that I am unable to correct. 

I disputed this with Equifax, XXXX XXXX and directly with XXXX XXXX and they left the item on my file.
Product: Credit reporting or other personal consumer reports

I did not authorize XXXXXXXX XXXX to run my credit on XX/XX/XXXX and on XX/XX/XXXX for mortgage reporters on both dates for the same reason, on any bureaus or at all the phone numbers I have for them both are XXXX I did not authorize XXXX XXXX XXXX to run my reports on no bureaus or at all on dates XX/XX/XXXX and XX/XX/XXXX for bank credit card, the phone number for both are XXXX I did not authorize XXXX to give me a hard inquiry or run my credit on date XX/XX/XXXX for a XXXX XXXX I did not authorize XXXX XXXX XXXX to run my credit or give a hard inquiry on XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX for them XXXX I did not authorize XXXX to run my XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX their phone is XXXX I did not authorize XXXX to run my credit on XX/XX/XXXX for XXXX XXXX XXXX XXXX their phone XXXX XXXX XXXX XXXX not authorize any of these companies to run my credit this is fraudulent.
Product: Debt collection

Good afternoon, I have a collection with XXXX XXXX XXXX of amount : {$92000.00} There is a settlement for the amount of {$23000.00} for the next 4 months with our first payment on XX/XX/23. 

I spoke and emailed our account agent XXXX XXXX and explain to him that we are having financial difficulties and if we came make another arrangement that can fit our financial situation as this is our first arrangement plan and he simply didn't want to hear it and just said no and he will escalate to suing us, i ask to speak to a manager. I also spoke to a XXXX XXXX XXXX it was the same situation to the point of both of them yelling at me, not hearing my situation. Like I mention, I know we owe this debt we want to start paying it, but we are having a hardship to where is preventing to keep this settlement going. If you can please speak to them on my behalf to rearrange this settlement. I will be wiring the amount of {$23000.00} on XX/XX/23 because I don't want any legal issues as they kept threating me with. I just want to rearrange the payments that fits with my company. 

Thank you! 
XXXX XXXX
Product: Mortgage

caliber home loan is erroneously reporting 3x30 late on my current mortgage account. All payments were made on time, BUT caliber misapplied payments, and added property insurance WITHOUT my knowledge when I ALREADY HAD EOI, then charged me for the 2nd policy WITHOUT my authorization and MISSAPPLIED my mortgage payment toward the 2nd UNNESESARY HOME OWNERS POLICY and reported late pay for this account ... please help resolve this injustice!

ALSO, THE LETTER I SENT TO THE ADDRESS THEY REPORTED TO C.R.A CAME BACK UNDELIVERABLE ... THIS IS A F.C.R.A. VIOLATION ....

CALIBER HOME LOANS , INC . 
Account number XXXX .... 
Recent balance {$580000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Open. {$3200.00} past due as of XX/XX/XXXX. 

* Caliber assessed lender placed insurance on my loan because my insurance company did not provide proof of coverage. I was unaware of this. 

* A Caliber rep advised me NOT TO PAY the XXXX payment until it got sorted out and the amount was corrected. 

* I paid the XXXX payment on XX/XX/XXXX ( the amount was still incorrect ; I was worried about going too long without payment ). 

* I paid the XXXX payment on XX/XX/XXXX by phone. The Caliber rep apparently mis-entered the account number. After getting confirmation of payment, I found out a week later that the payment did not actually go through. 

* I paid the XXXX payment AGAIN on XX/XX/XXXX. 

* Checking the account online daily, it still showed I had over $ 6K in  late payments, which was fully incorrect. 

* On XX/XX/XXXX, a Caliber rep told me I needed to " get my account current '' and then escrow would be removed and they would get it sorted out with the credit bureaus. 

* When I spoke to the same rep earlier this week he said he " couldn't explain it '' but " there was nothing they could do. '' AAARRRRGGHHHHHH!!! 

Meanwhile, my credit score dropped 80 POINTS IN ONE MONTH. I have spent hours on the phone trying to get help with this mess, sent a letter of dispute, emails, etc. This has been a nightmare! I have lost sleep due to XXXX over the last 3 months I've been trying to get this cleared up.
Product: Debt collection

I received a dunning letter from AllianceOne Receivables Managment , Inc ; that derived from a traffic situation. They said that they were a debt collector, I confirmed under 15USC 1692 ( a ) ( 6 ). I requested validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692G. mailed by USPS Certified mail No. :XXXX. On examining their communication I found that they committed violations of 15USC1692 ( c ) by not having prior consent from me prior to contacting me, this is Identity thief under FDCPA and FCRA XXXX CFR XXXX. No prior consent also violated the Gramm-Leach-Baley Act. Their communication also do n't have the required language pursuant to 15 USC 1692G, there is no miranda on the communication that stated I have 30 days to dispute their claim therefore their communication is considered under 15USC 1692D to be harassment and abusive. In addition their communication violated 15 USC 1692e by making threats.
Product: Credit card or prepaid card

I spoken to discover many times and I ask then to help me out since I 'm still experiencing a hardship financially on my minimum payments. 
I ca n't afford the minimum payment is to high. I ca n't not pay XXXX and up its to much 5 months ago discover enrolled me in a plan which help reduce the interest rate lowered as low as 9 % or 7 % or lower. I was told that if after the 5 or 6 months they gave me if I was still struggling and if my emergency and financial situation was the same that I could contact discover back to enroll for another 6 month or 1 year depending on the offer they can get me. I am very upset because discover denied me the help I need. I need help now. My intention and priority is to pay all My statement balance in a period of time little by little but having just the minimum payment been high it is difficult for me and ca n't afford that payment and interest at this time. I wish my payments was as low as 30.00 to 40.00 each month like the 5 month or 6 I was only paying XXXX It was very helpful. 

I was also promise no late fees and u was also promise no interest charges for the 6 or 5 months but I did got interest charges fees and I told discover why if they promise to wave those 6 month or 5 of no interest charges on purchases but they still did. My account did n't changed much because they lied on not charging .e the purchase interest charges that is why it did n't lowered .Y balance as I have a XXXX payment rhe interest purchase charge was 35 to 45.00 so not a big change. This is approximately. 
I feel rejected and I feel left behind moments like this is wen I need help the most.
Product: Student loan

On XX/XX/XXXX, I received an email concerning an auto pay reminder which was surprising to me because I discontinued in auto pay on XX/XX/XXXX. 
The reason I discontinued in auto pay was after they accepted my deferment they then attempted to collect said deferred fees which in turn caused me to over draft with my bank. I filed a complaint with your business at that time and my money was reimbursed. I cancelled all auto enroll payments to Navient to avoid future occurrences. Now, five months later, I had XXXX taken from account today. 
I only work 30 hours a week and can not afford to make any payments at this moment. I reached out to company to request deferment and received a busy signal for number provided on website. I also am unable to defer my loans through the Navient portal. It states that I do not qualify for a deferment of any kind and will only allow me a forbearance. After looking into the the negative aspects that forbearance can do to my financial standing I can not not accept this option.

This leaves me in an extremely difficult position at a financial standpoint and I can not continuously track down the people who state they are here to help me when the only thing they have done is take money out of my account unknowingly
Product: Mortgage

On XX/XX/year>, I entered a contract to purchase a home from XXXX XXXX XXXX in XXXXXXXX XXXX, and provided an earnest deposit of {$20000.00}. One of the key financial incentives offered by XXXX XXXX was that I would only need to put down {$20000.00} in earnest money if I used Inspire Home Loans, compared to {$45000.00} if I went with another lender. I submitted all requested documents to Inspire Home Loans by the required deadlines, but despite this, I was subjected to excessive requests for additional documentation, such as explanations for various financial transactions and employment verification. 

On XX/XX/year>, I received an email from my loan officer, XXXX, requesting multiple additional documents with a deadline of XX/XX/XXXX, despite having already provided the necessary information. My realtor reached out to XXXX for clarification, but communication remained inconsistent, with conflicting information about the status of my application. 

Additionally, I was pressured by XXXX XXXX, the XXXX Sales Manager at XXXX XXXX, to sign a termination letter, which would result in forfeiting my {$20000.00} earnest money. On XX/XX/year>, I received an email from XXXX XXXX, Contracts and Closing Manager, stating that my contract was out of compliance and that if the matter was not resolved that day, my earnest money would be retained and the closing process would not be extended to XXXX. The process was marked by disorganization, conflicting communication, and undue pressure. I am seeking the return of my earnest money and an investigation into their unethical practices.
Product: Mortgage

XXXX   XXXX   - received pre-approval for the amount of $  XXXX  from  Citizens Bank   board a mortgage we wished to purchase. Th e Purchase price of th e house was $  XXXX  ; we were paying the balance in cash.       XXXX   XXXX   - entered  P & S o n house for amount above putting down $  XXXX  earnest money. Began formal application process with  Citizens Ba nk for $  XXXX . Closing date was   XXXX   XXXX   XXXX  .       XXXX   XXXX   XXXX   - supplied information to  Citizens Bank  as requested, but requests become more difficult to furnish and understand as they required explanations that were never satisfactory though we were not informed what the issue was.       XXXX   XXXX   XXXX   -  Citizens Bank d id not meet its commitment to issue the loan causing us to lose our $  XXXX  earnest money.     Evidence of assets, sufficient availability of cash for closing and wherewithal to make mortgage payments were furnished.       XXXX   XXXX   XXXX   - received via  USPS  a Statement of Credit Denial, stating we were denied the loan due to " Insufficient Assets or Cash ''.     Note we had both sufficient funds and cash to close the deal, which has been attested to by our realtor, personal banker and attorney.     Note :  First of all th e credit was not denied. We never received any credit denial notice. In fact, after the closing date had past, they continued to try to extend us credit.     Second, there was no insufficiency of cash. We had ample cash resources to close without the loan.     Third, the statements are false and clearly negative and will raise questions for any future loan transaction. Insurers also check my credit and set rates accordingly and could increase rates for such things as lack of cash.
Product: Debt collection

Pro Collect Collections ACCOUNT NUMBER XXXX HIGHEST BALANCE {$170.00} CREDITOR INFO PRO COLLECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX BALANCE {$170.00} LAST REPORTED XX/XX/year> ORIGINAL CREDITOR XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted my complaint with the credit bureaus and later to the CFPB. To no avail, an account is still reflecting incorrectly on my credit file. CFPB has not failed to help me get this issue resolved and I still have not been monetarily compensated. Now I am being charged even higher rates and am being affected from finding an apartment. 
The account in question is XXXX XXXX ACCOUNT NUMBER XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is still only reflecting incorrectly on XXXX AND NOT XXXX OR EXPERIAN. The information across all three reports is inconsistent and go against the laws regulations which state information should be consistent and after the investigation 30 days if it is not fix it needs to be removed. This needs to be fix and completely removed since all three bureaus continue to refuse to actually update my credit file with consistent information. It has now been XXXX  days and this issue still isn't fixed and their investigation only left me with more fees. I have attached the credit reports with show the inconsistent information. XXXX XXXX is on XXXX and not on XXXX or Experian.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently been the victim of identity theft, which has resulted in the addition of fraudulent entries on my credit report. These items were added without my knowledge or consent. 

ACCOUNT XXXX XXXX  XXXX XXXX INQUIRY XXXX XXXX XXXX  XXXX XX/XX/year> I have reported this incident to the Federal Trade Commission ( FTC ) and now request the immediate removal of these unauthorized entries from my credit report.
Product: Debt collection

I have disputed my debt collection with the credit bureaus several times and the information continues to come back verified. I do not believe that they are completing a full investigation on my accounts. I do not have any knowledge of this debt. The negative item does not meet the FCRA reporting requirements. I do not recognize how and why this information is reporting and must be deleted immediately. This is in violation of FCRA laws ( 15 USC 1681b ), ( 18 USC 894 ), and ( 18 USC 1028A ). Please verify and provide that I have an agreement contract with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Please provide information for the process that you used to complete an investigation regarding my previous dispute.
Product: Debt collection

Debt collection on my credit ofXXXX. I was never provided a letter of this it just popped up on credit report. Insurance was provided at the date not sure why this is on my credit