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

The company that my complaint is about is Cash App. I have experienced multiple hacking incidents that have severely impacted my ability to access my accounts. Unfortunately, I can't recall the exact dates or amounts, as these breaches have occurred repeatedly. The most frustrating part has been being unexpectedly logged out, leaving me unable to manage my bills or access my funds when I need them. This ongoing issue has created significant stress and uncertainty in my financial life. While this whole situation has left me with a lot of financial challenges I have tried to reach out to them through phone calls which I couldn't not find a phone number for them as well as an email address.
Product: Checking or savings account

SunTrust stopped all debits on my account in XX/XX/XXXX ( stating that they are in the process of closing the account ). I was never notified that the account was in the process of being closed and they continue to accept direct deposits made on the account ( accepted another deposit XX/XX/XXXX ). It has been nearly a month and SunTrust is still holding more than {$16000.00} of my money stating that they are still in the " process ' of closing the account. They will not provide me with a reason for the closure of the account, they will not provide me with a reason they are holding my money and they will not provide me with a date that my funds will be released. They are not allowing any debits to process, so there is no reason for SunTrust to continue to hold my money. This has caused a major financial burden to my family in terms of buying food and paying bills. They have returned debits but are accepting the deposits made on the account. Had SunTrust notified me of the pending closure, I would have ceased any direct deposits to that account. SunTrust is still holding my money without providing me with a valid reason. I have been into the branch and have spoken to multiple individuals over the phone to no avail. I even attempted to close the account myself to see if that would release my funds, but I was informed that I can not close the account.
Product: Credit card or prepaid card

On Saturday night, XX/XX/21 at approximately XXXX, I received an email confirmation for a XXXX order of {$67.00} which I did not make or authorize. The receipt showed a delivery address of XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. I live in New Hampshire, I wasn't in XXXX and I have never ordered from XXXX  so I was instantly on alert that this was a fraudulent charge. I immediately called Chase credit card customer service to report the unauthorized charge. I had the physical credit card in my possession. The representative said the credit card would be frozen, the charge would be disputed and flagged as fraudulent and they would issue me a new credit card. About an hour later I received a 2nd email from XXXX that the order had been dropped off. About 15 minutes later I received a 3rd email from XXXX that my account had been deactivated because abnormal behavior was detected. 

On XX/XX/21, I received a letter from Chase saying that I am responsible for the {$67.00} because they determined that " you received benefit from this transaction '' which is completely false. I called them and explained this was fraud, I did not make this purchase. The representative said the investigation team was able to confirm I had a XXXX account with prior activity ( which is not true ) and that the geographic location was confirmed. When I asked what this meant I was told that the IP address used to place the XXXX order was from a computer in MINNESOTA! I again explained that I live in New Hampshire and was not in Minnesota to place a food order to be delivered to XXXX, Florida. The representative said this was odd and that since I was not in Minnesota she didn't know why I was being held responsible for the charge. She said she would submit a 2nd dispute requesting another review and explained that the geographical area did not make sense. 

On XX/XX/21, I received another letter from Chase telling me they were confirming their original findings that the transaction is valid and the {$67.00} will remain as part of my account balance. It went on further to say this fraud claim is now closed and they have researched it thoroughly. This is ridiculous ..... 

Please note : my husband is also a user on this credit card. He was with me the night of the original fraudulent charge and was present when I called Chase. He was not in XXXX, Florida or Minnesota at any time. He has never ordered from XXXX. He also had his Chase credit card in his possession at the time the transaction went through. My credit card statement will show that we did not make any purchases in the state of Florida or Minnesota. 

I have had this particular Chase credit card for over 18 years and have charged thousands of dollars through the years. I pay my balance in full every month without exception. I find it completely offensive and irresponsible on Chase 's part to try to pass the buck on this by determining I made this charge and benefited from the transaction. I do not want to pay the {$67.00} however I fear that if I do not it will be reported to consumer credit reporting agencies as delinquent and tank my credit score.
Product: Mortgage

Wellsfargo and XXXX XXXX ( Wellsfargo foreclosure attorney, located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ) foreclosed on my house while under bankruptcy protection. Bankruptcy was filed on Friday XX/XX/2016 and house was sold by XXXX XXXX XXXX on Tuesday XX/XX/2016. I have attached the email that my agent that was helping me with a shortsale with wellsfargo sent me stating that they receive a call from Wellsfargo stating that the house was sold on Tuesday XX/XX/XXXX. I called the foreclosure attorney 's office and they told me yes the house was sold to a third party. I ask for the name of the party and the amount it was sold for. They told me it was private information that could n't be released to me.
Product: Student loan

I recertified my loan XX/XX/2023. Well in time to be processed before the new certification cycle. I got an email 1 month later saying there was delays in processing. Its now XXXX months later mid XXXX and I just recieved my bill for next month for {$500.00}. 2 weeks notice. My certification still says processing but they send the bill regardless hoping Ill just pay it to not deal with customer service. Nothing on my income or situation has changed. How am I to pay an astronomical amount because of the fault of their own company for delaying processing? 

From the amount of money they receive on federal interests loans there should be NO delays, NO mistakes, NO call wait times.
Product: Credit reporting or other personal consumer reports

I have contacted the creditors and credit bureaus because I have multiple errors of hard inquiries pulled on my credit file with transunion that they are refusing to remove. 
The following hard inquiries that were not requested by is XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

On checking my credit report, I discovered an unauthorized derogatory mark placed by Aldous & Associates PL, which caused my credit score to drop by more than XXXX points [ XXXX ]. Upon investigation, I found that this collection agency had reported alleged debt without proper validation. 

I have not received any prior written communication or contract regarding this debt, and there was no signature validating this alleged obligation. According to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), debt collectors must verify and validate debts before reporting them to credit bureaus. 

This collection agency has : - Failed to provide debt validation - Added a derogatory mark without proper verification- Not sent any written terms of communication - Potentially violated FCRA and FDCPA regulations I request an investigation into this matter and the immediate removal of this unauthorized derogatory mark from my credit report, as it is causing significant damage to my credit score and financial standing.
Product: Credit reporting or other personal consumer reports

JPMCB performed an unauthorized hard inquiry on XX/XX/XXXX, under my maiden name, which has not been my name since XXXX They then sent a credit card to my current address, again, without my permission. When I contacted the company, I was transferred 9 times, told the same story 9 times and still no one knew who was supposed to handle the complaint. On the 10th transfer, I spoke with someone in fraud department and was finally about to file a complaint. He had no idea how long it would take to correct.
Product: Debt collection

law clearly states " If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease.
Product: Credit reporting or other personal consumer reports

Someone tried to obtain credit using my personal information without my consent.
Product: Credit card or prepaid card

I had been using the Citi premier ( Travel card ) credit card over the years. Last year I had to relocate to XXXX for a short period and due to Covid-19 pandemic my stay in XXXX had to extend further. During this time I faced a fraudulent activity in my card, I informed the Citi about it, after their investigation the amount were successfully credited to my account. 

As the standard process they initiated the card replacement. As I was located in XXXX. they sent the card to XXXX and i was told I can continue to use the card being in XXXX. On XXXX XXXX they had closed my credit card for the reason being I'm not a resident of US which was not notified to me. They had my email address and the contact number, but they didn't communicate to me about my card closure. 

Only during the last week ( XXXX XXXX ) when I attempted to use the card for a purchase, it did not go through. When I called the customer service, I was told that my card was closed long time back and a communication was sent to my XXXX address. I told them I did not receive any such communication and also asked for a tracking number to for the letter they mailed. They did not provide anything. I was unsuccessful in re-activating my card. 

Over the years I accumulated the thank you points from my credit card and was planning to redeem it for a air ticket. when I asked for a cash back from the thank you points ( XXXX points equivalent to {$760.00} ) i was told that it got expired as I did not claim it within 60 days from the card closure. I had a long debate with the customer service that the card had been closed without my consent and there was no communication to me. They were not ready to listen and were so rude that they can not help me. 

I accumulated those points over the years from the hard earned money and was also paying the interest to the credit card for the charges. I'm so fooled and cheated by the credit card company. I felt so harassed. 

Request your intervention in redeeming my thankyou points.
Product: Debt or credit management

I requested SCRA-SCRA Request to be Applied- Under the By-Laws of State of Louisiana -Service Relief Act. I requested XX/XX/XXXX and was told I did not provide the correct documentation to show XXXX XXXX status. I resubmitted - and have not received the Service Relief Act -by law under the Louisiana State Specific State Laws . The following email was sent as well as all attachments to show my husband is XXXX XXXX and has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
By law, all creditors have to follow SCRA-as well state specific SCRA benefits or provide evidence that by doing so would financially hurt your company, and there would be documentation and supportation needed to be provided to Federal Courts- to support. 

Barclays - My account was opened in 2012 and for 2012 until Barclays switched my account over to XXXX XXXX 

XXXX XXXX- followed the law and applied SCRA-Louisiana State Specific to account. They did not collect any interest while Barclays held my account until they switched my servicer. Was advised Barclays is responsible for the interest they collected while they serviced my credit card.
Product: Payday loan, title loan, or personal loan

My doctor note when I when I got back from the hospital, Man, Ive been working XXXX hours a week remember how do you know a working man thats all I do is I return from the hospital and then I get one of my supervisor and I dont know if before, and after that, my XXXX XXXX XXXX and mid Florida XXXX I got XXXX police
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the below accounts have 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Subject Accounts : XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX  : account # XXXX XXXX XXXX XXXX  : account # XXXXXXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

After 11 months of loss mitigation efforts, a modification was offered, however they only gave me 7 days  ( 5 business days ) to review and come  up with a down payment of  XXXX . We had an appeal sent out today to give us more time, but the down payment they are requiring is to " create an affordable payment '' however, I can not come up with that kind of down payment when they know my hardship was loss of income. I am back to work now and look forward to working with them but a down payment of  XXXX  is counterintuitive and almost impossible.  <P/> Also, I have been in review for several months and the sale date for   XX/XX/XXXX  was never cancelled, so we are citing " dual tracking '' and we are requesting that the foreclosure be placed on  hold while we try to find another, more reasonable solution. They are stating if I do not pay them  XXXX  by tomorrow the sale will still take plac  e on  XXXX 2017.
The lender moved for a foreclosure judgment or conducted a foreclosure sale in violation of Regulation X 1024.41 ( g ) or ( j ), which is a covered error under Regulation X 1024.35 ( b ) ( 10 )
Product: Credit reporting or other personal consumer reports

Equifax is still reporting incorrect information. Ive called and submitted several disputes to have this inaccurate and incorrect information removed. XXXX has not removed the information. 

XXXX. An incorrect address I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX opened in XXXX for {$28000.00} that I know nothing about 3. US DEPT OF EDUCATION XX/XX/XXXX {$1000.00} that I no Knowledge of XXXX. XXXX XXXX XXXX XXXX credit card opened on XXXX. A charge off for {$20000.00} that I know nothing about XXXX. They are reporting an incorrect name XXXX XXXX XXXX. My name on my credit reports is XXXX XXXX
Product: Debt collection

I sent this company a debt validation letter via usps mail in the last week of XXXX this year 2022 I got a letter today XX/XX/2022 from this company, of statements claiming that I oue them money. 

That does not validate the debt that they claim I oue them, Ive never done business with this company and in my debt validation letter I asked them to send me a contract that I signed with their company stating that I conducted business with them and they failed to provide me that information, also they reported this debt they claim that I oue them to the credit reporting agencies, according to 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. Also they broke 15 U.S.C 1692C stating, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company has violated my privacy and my consumer rights.
Product: Credit card

I have been disputing XXXX fraudulent charges with Barclay card since XX/XX/XXXX. Initially, they refunded all of the charges and " opened an investigation ''. I was never contacted to provide additional information. In XXXX, they closed the case and put the charges back on my account. I was not aware of this until I checked my account in XXXX. I contacted them to complain that nobody had even contacted me. They reopened my disputes and told me I would receive paperwork containing the merchant 's reply in " 7 to 10 business days ''. It did not come. I contacted them again. The person I spoke to said no documentation had been requested and that she would request it but it would again take " 7 to 10 business days ''. I still have not received it. I called again today, was again told the paperwork would be requested again. I verified the mailing address. I was told yet again I need to wait another " 7 to 10 business days ''. This process with Barclay card has been a nightmare. When I call, I have to go through the entire story again, nobody ever gives me the same information, and they wo n't let me talk to the disputes department. They have not issued any temporary credits so additionally interest is accruing every day. They really need a better dispute resolution process. XXXX has already lied to the police about this situation so having my credit card company causing additional stress is extremely frustrating. 
Out of the XXXX initial disputes, XXXX remain open. They gave me new case number today which are, XXXX, XXXX, XXXX, & XXXX. The total of these claims is {$12000.00} I am attaching the story of the events that took place leading up to these disputes. An associate, XXXX, President of XXXX in XXXX, ultimately stole over {$40000.00} from me. I have an attorney and have retained a private investigator who specializes in white collar crimes. Based on information thus far, I will not be able to recover any of the funds from XXXX, but I am intending to press criminal charges. I would not have trusted this person without the introduction through a trusted source, XXXX 's extensive resume, and his association with " XXXX ''. Based on those references, I trusted someone I never should have. I resent the fact that I have to spend additional money on attorneys and a private investigator, not to mention the time it has taken me away from my business. 
In addition to the above claimed amount, I have not been able to recover {$10000.00} from XXXX and {$12000.00} that had been wired from my bank account. The transactions took place from XX/XX/2016 through XX/XX/2016. 
If you have any questions please do not hesitate to contact me.
Product: Credit card or prepaid card

My name is XXXX XXXX and cell number is XXXX. 
I got call from XXXX first time on XXXX today and after 10 minutes get another call from XXXX number. They said they are credit agency people so they need expuration date of my XXXX card of capitalone bank and they get information from XXXX that I pay my bills on time since 8 months and they can lower my interest rate. 

When I cross question them they start talking abusive language in XXXX. It is my mother tounge so I can understand what they said. I am sure this is international gang for fraud. XXXX is the language use in an XXXX country name XXXX. 

I report it to you and request you to take serious action. 

Your earliest action is highly appreciated. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have spent at least 5 hours navigatinf Transunion 's circular, Of shore, hard to understand Customer Service and can get no clear answere has to why there was a XXXX point over night drop in my dredit score based on no new information. I even " joined '' there " service '' for {$58.00} to try to find answers, which provided no help.