23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had two credit cards with Discover Financial Services. One card they decided to " verify '' my identity. I signed their waver for them to get whatever info they needed from the IRS. They then notify me on the XXXX of XXXX at XXXX XXXX. after they have closed, that they need more information because my address had changed since I filed my taxes. I called in on the XXXX ( which was a Sunday ) and they were closed. I called again on Monday and they told me that the XXXX was the last day to provide the information so my account will be closed. They THEN went on to close my other account I have had for 3 years which will RUIN my entire credit. I also never missed any payments on either card not even late on payments. I was not notified of this closure I had to find out when my card got declined. This is highly reckless and feels like it could just be a scam. The more I think about this situation the more I feel like this company is doing something extremely suspicious.
Product: Mortgage

Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX  XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion in XXXX and XXXX regarding XXXX XXXX. I advised TransUnion that I have never obtained credit with XXXX XXXX. I asked TransUnion to send documentation showing me entering into a contract with XXXX XXXX. I also advised TransUnion that they are reporting XXXX XXXX as open, with an open date of XX/XX/XXXX. And they are also reporting a date of last activity of XX/XX/XXXX. I asked TransUnion how can they list this account with an opened date of XX/XX/XXXX and a last activity date of XX/XX/XXXX with no payment history? If opened in XX/XX/XXXX and last activity of XX/XX/XXXX then there has to be a record of payment, past due or late payment. Twice I asked TransUnion, the last response I received was with Trans Union changing all the dates to benefit Trans Union not reporting inaccurate information. Trans Union can not just change dates on my credit file to benefit them when they are reporting something in accurate. I have not received any documentation from Trans Union to support this change or even that this is my account.
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy. 
Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of the notice. I LOOK FORWARD TO YOUR RESPONSE.
Product: Money transfer, virtual currency, or money service

I was scammed on Cash app .I have reached out to Cash App, in regards to my account being scammed. 
It was hard to speak with a live representative. 
I was scammed out of a total of {$600.00} in XXXX, I never received any refund, nor did I receive any help. 
In XXXX I was scammed out of {$370.00} and Cash App stated there was nothing they could do to help me. 
I contact Cash App on several occasions and have not had any luck. 
My Cash App is XXXX XXXX
Product: Credit card or prepaid card

Constant robo calls every 2 hours of every day.
Product: Money transfers

Well I sent money to my husband in XXXX and the person that we use to pick up the money never got to pick it up someone else made a Fraud ID and picked it up the cops were called into the picture. I have documents to show that it was improper of that bank to even accept this like it is.
Product: Checking or savings account

Midfirst Bank sent me a Overdraft notice on my account. I never over drafted my Account and had My Identity taken over my cyber attacks on me I froze all my credit reports after this happened and spoke toy bank Midfirst Bank explaining these were unauthorized charges!!!! They said I was correct and the best thing to do was to shut the Account and that way charges couldn't happen again!!! They said they would credit the Account back to XXXX as I never had a negative balance in over XXXX years of banking there!!! I was a elite customer. Next thing I I know I go to open a new Bank Account and they placed me Midfirst Bank into XXXX XXXX and collections!! These are not my charges acct was closed with a XXXX balance. This is crazy and redicolous. Tried talking to collections at Midfirst Bank today they said pay the XXXX and they would remove me from XXXX XXXX. What am I supposed to do??? Pay unauthorized charges will if I have to buy there not my charges!!!!! Please advise as to what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022 I told the credit bureaus to 'investigate every piece of my information ' on the accounts I have listed below. 

Firstly according to the FRCA 15 USC 1681 every piece of informations on these accounts has to be 100 % accurate .Ac you can see attached on my credit reports still not reporting 100 % accurate According to the FRCA the term 'investigate consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquitted or who may have knowledge any informations. 

They stated my accounts as verified but how is that possible if they didn't do a proper investigation according to the law. 

Accounts 1 ACCOUNT NAME XXXXXXXX XXXX  ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER XXXX
Product: Prepaid card

I've tried to use my giftcard at a store on several occasions, and via online as well, each transaction was declined ( in person and online ). 

I tried calling american express and was advised by the teleprompter to visit other stores to try again.
Product: Payday loan, title loan, or personal loan

I had a five year home equity loan with Citibank. I had two years left on the loan before expiration and decided I wanted to extend it to a ten year loan. I contacted them and started the loan process to do this. I was approved and obtained a ten year home equity loan. After all the paperwork and legal documents were processed I was the loan became effective I was billed {$1100.00} for terminating loan before it's expiration. I had no idea there were fees to be billed because I was under the impression I was only extending out the first loan for a longer term. At no point did anyone I dealt with disclose or make me aware of these fees or I would not have chosen to proceed. I tried to discuss and clear up with the rep I dealt with and she also agreed that they didn't disclose this fee to me. She as well as myself have been unable to get these fees reversed. I sent a letterXX/XX/XXXX to Citibank to consumer credit, another XX/XX/XXXX also to consumer credit and also on XX/XX/XXXX to Citibank attention XXXX XXXX. On XX/XX/XXXX I sent a fax to XXXX XXXX at Citibank and had numerous phone calls with XXXX XXXX and Consumer Credit at Citibank. No one was able to resolve this for me. In the state of FL there are full disclosure laws. None of these fees were disclosed to me at the time of the loan or I would have chosen not to do so.
Product: Debt collection

Credit Seaseme showed I had an amount in collections with that I do not believe I owed. The debt was previously with XXXX. I called credit solutions and asked for a verification letter on XX/XX/2020. XXXX from credit solutions stated they already sent one, but it was an old address. They should not have had that address since I updated it with XXXX and all communication should have gone to the new address. I asked for a new one, the woman said she could not send me another letter. I stated that was illegal, and she said that the software used to send letters was down so she wasn't sure how long it would take to be sent one. I asked if it would continue reporting past due in the meantime, she suggested I talk to her supervisor. I was sent to the supervisor voicemail and have not heard anything back. They never asked for my updated address so I do not know how they will send me the debt verification.
Product: Payday loan

We had a signature loan through Advance Financial and were made to switch it over to the new Flex loan product on XXXX/XXXX/15. We were never given a copy of our contract to look over. We were never told about the " customary fees '' they hide under the heading of " Interest charged ''. We were actually told the new product was like a credit card and was a much cheaper loan than what we had. That was a complete lie! With the signature loan, it is broken into 7 payments upon which time it is completely paid off. This includes a small, up front fee for taking out the loan. Very clear. The new flex loan has no specific payment outlined for you. We were first told our payments would be {$130.00}. This was true for the first payment. Every time we went into the local store after the first payment was made, there was never anything due on the account. No statement had been generated for 42 days! We paid on the account anyway, based on what we were told the amount should be. The very first statement we received was for the period from XXXX. The total interest charges that had accrued on the account were {$620.00}!! So, a {$1700.00} loan had now become over {$2300.00} in about a month and a half! Had the fee structure been explained properly, we never would have agreed to switch to the new loan. We were told several times that our account was past due although it was not. I had all of our receipts to prove it. I had to email the corporate office at XXXX on a Sunday night all of the proof I had. To this day, our statements are incorrect. It has now been 3 months that we have been dealing with one problem or another. Nobody can give us a straight answer. This company has gone into our bank account twice now and taken out money that was unauthorized when they were in the middle of straightening everything out. It has been a complete nightmare. When I asked about not receiving a copy of our contract, I was told by the store manager that they never give customers the contracts unless they specifically ask for them. Well, I asked repeatedly for a copy of ours. We finally received it by email on XXXX/XXXX/15 ... nearly 3 months after switching to the new loan. My statements were never correct. In fact, every time I called either the local store or corporate, everyone I spoke with was thoroughly confused as to what was going on with our account. I do not understand how this practice is legal. How are these companies allowed to get away with deceiving their customers into such high interest loans. These cause great financial hardship for most people. I have filed complaints with the BBB & Consumer Affairs. I would love to get an attorney on board, but I 'm not sure which type would handle this situation. Upon investigation, we are not the only ones having this issue with this company. There are pages of complaints for the same deceitful practices. Something needs to be done to stop it.
Product: Credit card

XXXX XXXX XXXX, has failed to respond to the following Company did not respond to my requests for arbitration via XXXX XXXX XXXX dated XX/XX/2023 YOUR XXXX CASE XXXX and verbally, when disputing Boost Mobile Transactions as agreed by representative regarding OVER BILLING ( {$310.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, and, Account # XXXX. XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 604 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.

Experian claimed this was not reporting on my credit report so I will add whole credit report.

Thank you
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. 
I found 2 unauthorized purchases transections on my WaywGo card of CA. 
It happened on XX/XX/21 ( {$200.00} ) and XX/XX/21 ( {$120.00} ). 
I requested disturbing these. 
I reported that I never been there before. 
I showed my XXXXXXXX XXXX XXXXe at that days. But my cas was denied. 
I can not understand why. 
Those were fraud transections. 
I can show you my XXXX XXXX XXXX where I was at that time. 
Way2Go did not credit back to me. 
Claim number was XXXX
Product: Debt collection

I have disputed this debt several times. They are in violation of my privacy rights {$1000.00} violation Pursuant to 15usc1681b no permissible purpose, falsely placing on consumer report is grounds for imprisonment and or {$1000.00} per violation 15usc1681a ( i ) ( 2 ) medical hippa violation, It should only be discussed between consumer and facility {$1000.00} violation. 
I have never ever owed any debts to a hospital. They can't prove the visit when I requested it, so how are they saying this is my debt?? >
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural human being and consumer, requested my personal information be updated, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, by certified mail to letter to Equifax and XXXX. 
Today is XX/XX/2022, Equifax and XXXX have chosen to ignore my request and continue to report false information on my credit report, therefore, causing harm to my credit profile and unwarranted stress to me mentally, physically, and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of Birth : XX/XX/XXXX SS # : XXXX I sent out letters to TransUnion, XXXX and XXXX requesting to Remove Inaccurate Credit Information off my credit report. 
I have the right to challenge and dispute any errors and any discrepancies on my personal credit report. 

I received a copy of my credit report and found the following items to be in error below XXXX. The following personal information is incorrect Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Previous Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I strongly believe that this action was a result of a mistake, as I have not violated any of PayPal 's policies. 

I have been a loyal and active PayPal user for a considerable period of time, and I have always adhered to the terms and conditions outlined by PayPal. It came as a shock to me when my account was suddenly limited, as I have consistently maintained a high level of integrity in my transactions. 

I kindly request that PayPal re-investigate my case and reconsider the permanent limitation imposed on my account. I am confident that a thorough review will reveal that no violations have occurred. I sincerely hope that PayPal will recognize this error and take the necessary steps to restore my account. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly ask that you provide updates regarding the progress of the investigation and any further actions required from my end. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the reinstatement of my PayPal account.
Product: Checking or savings account

I am filing this complaint with the CFPB regarding Captial One 's failure to deposit my direct deposit from my employer and other incoming deposits. Capital One has cited " technical issues '', which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are being upheld. Thank you.
Product: Credit card or prepaid card

I bought a set of XXXX large appliance XXXX by the XXXX credit card. Products are not delivered and they can not refund money back to its credit card due to its credit card was not fount after been cancelled.
Product: Debt collection

They keep calling me at work and I have asked on 3 different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.
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. This ultimately lead to the account being closed unjustly. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds 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 or other personal consumer reports

I am writing to dispute this item on my credit report that have infringed upon my federally protected consumer rights to privacy and confidentiality, as guaranteed by 15 USC 1681 of the Fair Credit Reporting Act ( FCRA ).

The following account listed on my credit report have violated my rights : XXXX  Account XXXX According to 15 USC 1681b, consumer reporting agencies may only furnish consumer reports under certain circumstances. The unauthorized disclosure of my personal information to these entities constitutes a breach of confidentiality and an infringement upon my right to privacy.

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: Checking or savings account

XXXX BANK HAS REPORTED FRAUDENT ATM CHARGES AND OTHER SERVICES ON MY CHECSYSTEMS REPORT BUT IVE NEVER BANKED EITH XXXX OR ANYOTHER VANK IVE ALWAYS BEEN UNDER MY PARENTS ACCOUNTS. IVE DISPUTED MIRE THAN ONCE SENT IN POLICE REPORTS IS SSN CARD VERIFICATION ADDRRSS YET THEY STILL WONT REMOVE IT STATING IT WSS NE WHEN IT WAS NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to report the way Equifax calculates a credit score. Every tip and advisement tells us to pay off or pay down credit cards. However, when I do so, my credit score goes DOWN. I paid off one card and my score went down XXXX XXXX. Since these reporting agencies hold so much power over our financial lives, I want to report and keep reporting until this kind of calculation is fixed. If I'm trying to raise my credit scores and I'm financially responsible, I should NOT be punished for it. 

We need to limit the power and influence of these reporting companies.
Product: Checking or savings account

On XX/XX/22 a person pretending to be a customer service representative from XXXX guided me through a problem with my phone. They instructed me to fix the problem through XXXX XXXX. In the course of the conversation they gained access to my Bank of America savings account and used XXXX to make unauthorized transactions on my account totaling XXXX. I reported this to Bank of America, but they have not credited my account.