23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

HomeDepot sent an email alleging there was a past due balance when, in fact, the account ( XXXX ) had a XXXX balance. 
Email received XX/XX/23 XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing to request assistance regarding my mortgage with US Bank at XXXX XXXX XXXX, XXXX, TX XXXX. I wrote a complaint on XXXX and the response from US Bank was " they did all they could do ''. Despite my request I attempted another option to remain in good standing, I was unable to agree to the terms asked of me with maintaining my mortgage payments. I made a difficult decision to sell my home to avoid foreclosure. I hired a realtor, secured a buyer, had an investor interested, and submitted a short sale offer to US Bank in XX/XX/XXXX. Since XX/XX/XXXX, I waited anticipating an answer regarding the acceptance of the offer. Unfortunately, on XX/XX/XXXX, I was informed that US Bank decided to proceed with foreclosure rather than approve the short sale. 
I am reaching out to request help to get reconsideration of the short sale option, as it would allow me to sell the home in a responsible manner, prevent further financial devastation, and preserve my credit. Foreclosure would not only cause damage to me, but it could also result in greater losses for the bank compared to an approved short sale. 
I urge your review and support of my case and provide an opportunity to finalize the short sale of my home. I am committed to working cooperatively with your office and the necessary parties to facilitate this process as quickly as possible. I sincerely appreciated your time and consideration in hopes we can reach a mutually beneficial resolution. 
Sincerely.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXXXXXX : # 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 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: Debt collection

I have been receiving usps paper bills and text messages from collection, agency, Harris and Harris regarding a medical bill from XXXX XXXX XXXX. 
Despite the hospitals claim, I was never sent a bill from them. I just got off the phone with their billing department. 

They sent the bill to an incorrect address. 

The address they mailed to is- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Illinois. 
I live in XXXX XXXX Illinois. I never received a bill. 
Because I never got the bill I didnt have a chance to dispute it. I am fully insured. I have Medicare, Medicare, supplements and Medicaid I shouldnt have gotten a bill at all.
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 the Electronic Fund Transfers 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

Company refuses to uphold the credit laws ( fdcpa ) constantly harassing me. Refusing to corporate.
Product: Credit card

On XX/XX/2023 we filed a claim with Citi Bank for fraud on XXXX airline ticket upgrades of {$1900.00} ( total XXXX ) with XXXX XXXX. I filed these claims because XXXX did NOT upgrade our fligths... the plane was broken. 

After nearly XXXX weeks of trying to resolve the issue with the original merchant, on XX/XX/XXXX, we filed a claim, within the 60 days that regulation E allows. I have proof that we filed the requested information. 

During the dispute process with Citi Bank, several Citi issues were encountered... first being they closed the duplicate disputes as a mistake. Second, we provided documents in XXXX and XXXX at neither when asked for documentation did they indicate the time was lapsed and we could no longer dispute. 

My husband, XXXX XXXX was added as an authorize signer in order to assist with obtaining a resolution. After XXXX calls, emails and XXXX CFPB complaints of his own that Citi XXXX he was not authorized on. This is false and yet another issue that Citi caused. 

I want my Dispute resolved with a FULL refund. Citi and XXXX have fraudulently bait and switched then caused their own delays to prevent refunds. This is illegal collusion that Citi and XXXX fraudulent operate to prey on consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXXXXX XXXX has me at a score around XXXX  That is a huge difference. XXXX paints me as a Bum. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im homeless  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer XXXX XXXX  ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and XXXX XXXX XXXX  the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given
Product: Debt collection

I received a copy of my credit report and information is listed incorrectly, I do not have any agreement with nor have I ever had a contract with XXXX XXXX XXXX Account Number XXXX This collection account is reporting OPEN, but also shows a balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove the account immediately from my credit report.
Product: Debt collection

I have attempted to contact company HR Accounts several times to remove of my report because it was due to identity Theft and I Have called asking for it to be removed as it is hurting my credit file. I have evidence showing that I was a victim of identity theft. They refused to remove from my credit file.
Product: Debt collection

In XX/XX/2010 I had a ambulance ride to XXXX hospital. They mailed my bill to the wrong address and I could not submit it to my health insurance to be covered. They sent the bill to a debt collector called XXXX XXXX XXXX. This company was horribly managed and was almost impossible to communicate with or even get ahold of. After many months of trying to reach them to work out a payment plan I was finally able to get ahold of them and agreed to pay {$50.00} a month. I paid {$50.00} a month up until the Attorney General of Colorado shut them down for fraud. It appears they sold off the debt to Wakefield & Associates before officially closing doors. A quick XXXX search will confirm exactly how shady this company was if you had any doubts.

After my debt was sold to Wakefield & Associates. They went to court without my approval or knowledge and achieved wage garnishment for an amount that is almost double of my original bill. My summer employer XXXX agreed to the wage garnishment and has took % 25 of my paychecks this year.

The Debt is well past the Statue of limitation for a medical debt, Which is 3 years in the state of Colorado. It is also illegal to collect on a debt that has been collected upon through wage garnishment. 
Received an issue to go to the court within 14 days to get an appeal from the clerk, and could use help in removing this debt from my record.
Product: Credit reporting or other personal consumer reports

I never Gave permission to run my credit or to report anything. This is absurd. There's a mere XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is on there.Multiple times XXXX XXXX XXXX XXXXXXXXWhere are all these inquiries coming up and why are they on my report? They need to be removed immediately
Product: Bank account or service

My mother passed away over a year ago and I have been trying ever since to get someone at Bank of America to act on documents giving me, as her court appointed personal representative, access to a small personal IRA she kept at the XXXX, Florida branch for many years. I have visited the bank XXXX times in total since my mother 's passing with all the required legal documentation and personal identification necessary to enable me to legally distribute the IRA 's contents to the heirs as stated in her will. However, to date ( XXXX XXXX 2015 ), I have yet receive anything other than a Patriot Act form that asked me to state that I was indeed a citizen of the United States ... a bit of information I have already submitted XXXX times. I have tried contacting both the managers of the XXXX branch and of the downtown XXXX office by certified mail only to have my letters returned ... unopened. I feel I have been more than patient in my efforts to get someone at Bank of America to act on a simple request for access to an account that I am legally entrusted to collect and distribute. Can anyone here help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX ( XXXX ) late payments on an account that I was never late for. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called a company called Resurgent and spoke with XXXX XXXX ( acct senior rep ) who informed me that I needed to speak with a different department and transferred me, I then spoke with XXXX XXXX whom claimed to be a supervisor in the secured loan servicing department and provided me with the account XXXX for LVNV Funding and said I am in the wrong department and said I needed to speak to a different department again. 

I was then transferred to another person named XXXX XXXX who confirmed that the company received my fraud dispute on XXXX XXXX from the credit bureaus along with supporting documents which included a police report and FTC complaint, however they couldn't complete my dispute because there was a fraud affidavit missing. 
I was never informed by LVNV Funding that they needed a fraud affidavit in order to process my request of Identity theft, although XXXX XXXX made herself personally responsible to send me a fraud affidavit on XX/XX/XXXX I am requesting this matter gets looked into deeper for violations of Federal law 15 U.S. Code 1681N - civil liability for willful noncompliance. I have made several attempts to have this matter resolved with LVNV funding and XXXX however have been unsuccessful. 
LVNV Funding is reporting invalidated fraudulent information to the credit bureaus and said action might constitute fraud under both Federal and State laws. Due to this fact this is my final attempt to have this matter resolved prior to contacting the National Association of Attorney General and seeking legal action. 
Attached I am sending a copy of my valid police report and case number along with the FTC complaint that I have already filed.
Product: Credit card or prepaid card

I purchased a {$300.00} XXXX gift card at XXXX with my AMEX credit card which card number is XXXX on XX/XX/2020. 
When I was trying to load the gift card to my XXXX account, I was told the gift card had been load to someone else 's account. I went back to XXXX, the manager told me to dispute with American Express. 
I submit the dispute, and Amex gave me {$300.00} temporary credit and I have been waiting for the update of the claim since I have never received any mail or email about the update of my claim. When I was checking the bank statement today, I found the claim was closed and the favor in Merchant.  Amex clawed back the {$300.00}. I'm trying to redispute it, however, Amex said they can not open the case since it was closed two months ago. 
I was shocked since I never heard from AMEX about the case. 
The gift card was loaded to other 's account after I bought it, and I can tell the code on the card was altered, it's the merchant 's responsibility to keep the gift card code safely.
Product: Money transfer, virtual currency, or money service

Hi there, I am from XXXX and I was using the exchange platform called Kraken ( www.Kraken.com ) So I was using it with all due verifications, then on Monday, XX/XX/XXXX my funds were " frozen '' they were kept on hold, and when I asked the reason why they are on hold, on Tuesday, XX/XX/XXXX I was told to provide a picture with a handwritten note - " Only for trading digital currency on www.kraken.com - my e-mail address is **** '' and include : the current date your signature # *** " ; So I sent them the picture and form they asked to fill, the form was with the following questions : 1 ) Acknowledge the statements, indicating Yes or No beside each. 
You are opening and operating your Kraken account without the assistance of a third party individual. 
You have not shared access to your Kraken account ( either using remote access software and/or providing your accounts login credentials ) with a third party individual/company. 
You have not been contacted by a third party individual/company and instructed to set up a Kraken account for the purpose of withdrawing crypto to a third party platform. 
You understand that cryptocurrency withdraws are irreversible ( meaning you can not reverse the withdraw or recall the funds once you have executed the withdraw ). 
You are complying with Section 13 of our Terms of Service*. 

So then I was asked if I have only one account since they saw that someone tried to open another account from my device, my answer was - " I have only one account and no one uses my devices except me, what should I do?? i am going to change my password from my devices, should I change my account password? Tell me please what to do? '' Then no answer for the whole day. On the next day Wednesday XX/XX/XXXX i received the message from them stating that they have closed my account without any explanation ( please see the attached email screenshot ) So for no reason, they closed my account without explaining anything even though I went through all verifications and even through additional verification with a picture of me. I lost money due to that and lost time I want them to restore my account fully, if this is because I am from XXXX then they should remove XXXX from the list of supporting countries. 

Please help me with this issue, it's unfair and unjust to close the account for no reason. 
Best Regards,
Product: Credit card or prepaid card

On XX/XX/XXXX I sent {$400.00} to my mother via American Express Blue Bird prepaid card. She wasn't a customer at that time, but upon receipt of an email, she followed the directions and set up an account. She input her PO Box and her physical address. 

We patiently waited for her card to arrive. To this day, it never did. About a week ago, I tried to contact the Blue Bird customer service number, but couldn't speak to a live person through any prompts to have this issue resolved. Today, XX/XX/XXXX I finally had to create a XXXX account to ask @ XXXX. They told me to call and not put in any account information and push 0 until I got a live rep. So I did this, with my mother on the line with me. They refused to send the money back to my account, stating that the money had 'already been accepted '. They offered to express mail a new card for a {$20.00} fee. When we stated that we would not do that, they stated that they would send a new one. The problem with this is that her physical address is listed as her mailing address as apparently they ' can not mail to a PO Box '. My mother has no other address to use. ALSO, she can not update her address without the card number being activated. I have tried to get them to place the funds back into my account, but they refuse. They told us to have her sign on and transfer the money back to my account, but guess what?? You can't transfer funds unless you have activated the card. 

I want my money back and they won't give it to me. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and filed all of the necessary paperwork including the police report. I sent the paperwork to the credit bureaus and they removed the item from my credit reports. Subsequently, a collection agency bought the debt and attempted to collect on it as well as placed it on all of my credit reports after it had already been removed. So, I sent them a letter with the documentation showing that this was an identity theft item and as per the law, they should not attempt to report or collect on it. Once again, I had to send the credit bureaus documentation for it to be removed. I have been successful at having the item removed from XXXX  and XXXX, but Equifax refuses to do so. This is a clear violation of the law and I need your assistance in having Equifax rectify this problem and remove the item from my report.
Product: Mortgage

CITI Mortgage has sent me Modification Documents for a Mortgage that I do n't want to sign at this time until my previous requests have been forwarded to XXXX and XXXX. 

This has been an ongoing challenge that I have had with CITI Mortgage since XX/XX/XXXX when offered a Trial Modification. I have most recently met the terms of 90 day Trial Modification with them and have requested that I be afforded a Modification that is currently ( was in XXXX XXXX before CITI once again foreclosed on my mortgage ) XXXX offered me which would forgive the unpaid interest and penalties. 

The communication inter-departmentally appears to be challenged. Most recently XX/XX/XXXX, I was contacted by my attorney XXXX XXXX XXXX stating that CITI Foreclosure Attorney firm, XXXX XXXX XXXX wanted to know if I was going to go along with the Trial Modification program offered by CITI. I informed XXXX XXXX XXXX that indeed I had already met the terms of repayment under the Trial Modification period as of XXXX XXXX, XXXX and apparantly CITI has not communicated this to their counsel. Most recently ( see attached documents ) I received duplicate documents from Citi 's Support specialist dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX offering more assistance to me regarding my request to Citi. I also received correspondence from a XXXX XXXX from Citi asking me to sign final modification documents. 

I believe my attached documents and emails will support my continued frustration with CITI and the handling of my modification request. I would really appreciate it if the CFPB would forward this complaint with ALL supporting documents from me and what ever CITI mortgage servicing has to both XXXX and their credit counseling representative, XXXX. 

Respectfully, XXXX XXXX XXXX Cc : XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested that The XXXX of Virginia to remove the paid off account they are reporting for me. The account was open in XXXX of XXXX. It was paid in XX/XX/XXXX and should have been removed in XXXX of XXXX. It has been re-investigated four times and I have been told it's accurate. I'm not denying the accuracy of the account ; But the XXXX of Virginia has not been contacted to endorse the removal of this account that has been closed for 7 years. There is no longer a need to report a paid and closed account that hinders my credit.