23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

MY CLIENTS XXXX XXXX XXXX XXXX XXXX XXXX All of my clients have requested to close out there loan request and have there appraisals moved to another mortgage company. Acre Mortgage is the most unprofessional and mortgage company I have ever reffered my clients too. They miss mortgage commitment after commitment. They miss settlement date after settlement date if you think Im lying just check there reviews. They even threatened one of my clients with bogus fees if they left there company. Now they are refusing to transfer the FHA appraisals which is tying up my clients from moving forward with there settlements! 

There has to be something you can do to help my clients!
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent inquiries were not made by me : XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX  XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023
Product: Debt collection

This is not the original amount and I was never contacted about this. It was just put on my credit.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash app failed to take timely and effective measures to address and prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their 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: Money transfer, virtual currency, or money service

PayPal sent me an email on XX/XX/scrub>XXXX XXXX XXXX  stating that my account had been permanently frozen. They cited a violation of their Acceptable Use Policy ( XXXX XXXX XXXX ) as the cause, but would not tell me what clause they claim I broke. After reviewing all of my transactions through them, none of them were breaking any of their terms. 

They are presently holding {$65.00} USD and XXXX XXXX in my account and refusing to let me access it. 

I attempted to find a number to call. Their site tries to force you to talk to an AI and not a human representative. I should note that PayPal does not appear outwardly to allow you to appeal their bans, I had to do independent research and read customer testimonies to find a way to attempt a dispute to this. 

The AI intentionally tries to mislead you by saying that their representatives will tell you the same thing it tells you ( that the account is closed and there's nothing I can do about it ), but if pressed multiple times and asked to talk to a representative, it will eventually claim that it has submitted a ticket by sending you a text. I received a text on XX/XX/XXXX saying " PayPal : We're working on connecting you with an agent who can assist you with your account. Thanks for your patience! '' I was not contacted again. 

The AI also provides an email to submit an appeal ( XXXX ), which, I submitted to on XX/XX/XXXX. I was not emailed back. 

I eventually found a customer support number to call ( which was made intentionally hard to find by the company 's website and help center layout ). After I called the number on it, I spoke to someone in a call center in XXXX who reviewed the account and told me they have no additional information other than what I could tell myself. I asked them to submit an appeal and they claimed to have done so, and that I would hear back in XXXX business days. I have no heard back from them, either. 

I want my money back. This is ridiculous that they are holding my funds without allowing me to withdraw them. 

I was further banned from the XXXX app on XX/XX/XXXX under similar circumstances. As XXXX owns XXXX, I am including this as part of the same report. XXXX also declined to tell me why my account was frozen, but given their ownership by XXXX I can only assume XXXX refusing me service is the reason why XXXX has, too. There are no funds presently in my XXXX account as I transfer what I make from their to my bank. 

I reached out to XXXX via email and asked for an appeal, and they declined me without explanation on XX/XX/XXXX. They have cited health and safety as the reason why, but refuse to elaborate. There are no transactions in my XXXX history that violate their policies, either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX XXXX XXXX XXXX, and with all three credit bureaus for inaccurate and unverifiable information with a charge off the is being reported on my credit report. There is a charge showing with XXXX  in the amount of {$4.00}, XXXX- {$8300.00}, and Experian is reporting {$4000.00}. There are multiple inaccurate with this report. 

1. The balances dont match.

2. the late payments dont match 3.This account has not been verified by the credit burueas I asked them to send me a copy of the sell and what they for the vehicle, and a proof of debt them and XXXX XXXX failed to provide me with any of this information.
Product: Mortgage

With current VA IRRRL interest rates very low, I have tried to refinance my current VA IRRRL at 3.50 % interest, the note for which is held by M & T Bank servicing the loan on behalf of XXXX XXXX XXXX , XXXX. For two consecutive months ( XX/XX/XXXX and XX/XX/XXXX ) extra fees have been posted to my loan payment statement for information sought by those potential lenders in regard to the " payoff amount. '' These fees are nowhere spelled out anywhere in my VA IRRRL documents ( completed in XX/XX/2014 ) as necessary to having the loan paid completely. A careful bit of analysis would seem to indicate this is a form of " ballooning '' the amount of the loan to the benefit of the servicing entity, here, M & T Bank. If they are allowed to continue to do this to all Veterans for whom they provide " loan servicing, '' this will amount to hundreds of thousands, perhaps millions, of dollars taken from Veterans who are on a single income - their VA compensation. I, personally, am not in fear of foreclosure as I have stopped the entire process of seeking a new VA IRRRL as the process had become far more complicated than I was initially told when contacted by these lenders ( there were 3 ). These " fees '' are not huge in terms of my loan, but I question by what authority does M & T Bank believe it has the right to raise the cost of my mortgage to me except through legally required notifications of a prospective change to the loan amount, i.e., I have an escrow account ; therefore, an increase in either or both property taxes and home owner 's insurance would be something which the servicing entity is required to inform me. I have carefully read my existing loan documents and can find no reference to additions to my loan balance either through " fees '' in order to provide information or then consequent increase in my mortgage balance.
Product: Debt collection

Calls non-stop. Call work which can get me in trouble. Calls friends and relatives also with out any regard. Calls under many numbers with many names. Never leaves messages or any details. Possible fraud or scam.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy in my Credit report, and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX OF XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Student loan

My loans is too high. I cant afford to pay it. Im not working. I have a XXXX and work restrictions with the whole state of Georgia where I cant pay the amount that theyre asking me to pay. Its too high.
Product: Vehicle loan or lease

This car was purchased on XX/XX/2016 which was by my ex- husband. At the time of the purchase we were divorced. I NEVER consented to this purchase. I have reached out to XXXX XXXX or Bridgecrest several times ; however they refuse to remove me from this loan. I have reached out to XXXX XXXX to get the original documents with the real signature ; however all they have is the digital copy which is complete fraud. I have attached the divorce documentation as well as a copy of the digitally signed purchase agreement that I was able to get from XXXX XXXX. In order to keep holding me accountable ; I need the original documents with my signature ( which they will not find ). This should be removed my credit file ( which is not in bad standing ) if they can not prove that I walked into XXXX XXXX and physically signed this document ( which I didn't ).
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 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 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 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 XXXX XXXX
Product: Student loan

I consolidated my direct loans. All other smart option loans are on auto pay, XXXX of them. The only payment I make manually via my bank is the consolidated loan. When I contacted them, they gave me an address to make the XXXX to which is XXXX XXXX different than the other XXXX, its even in a different state. However when they received and applied my payment they applied it to all XXXX smart option loans that are and have been on auto pay for years, and have a different payment address than the consolidated loan. This is not the first time this has happened.
Product: Mortgage

I took out a loan with CitiFinancial XXXX 2001 for {$25000.00} for home repairs. 
I only borrowed {$25000.00} and was supposed to pay back {$5500.00}. Somewhere in the making of this loan. {$30000.00} was tacked on to my loan of which is not mine. I have called CitiFinancial for years and sent letters etc. Trying to find out what happened. 
I can not get anywhere with them. I have already paid over {$100000.00} back to them for a loan of only {$25000.00}. I need to know if somewhere some how you can investigate ths loan. I was scammed. I make monthly payments still. I am always behind due to having to rent a place to live because that property is in need of more repairs. 
The property is only valued at {$40000.00}. I have done everything humanly possible to find out why and what happened. I feel like they need to close this loan and investigate. 
I borrowed {$25000.00} in 2001. 
I am still paying monthly payments. 
I have paid back over {$100000.00} on a property valued at {$40000.00}
Product: Debt collection

Im disputing a claim from XX/XX/2020 when I was in the emergency room. I two insurance. I have primary insurance XXXX XXXX and my secondary is Medically Needy through XXXX. My eligible following periods was XX/XX/2020 TO XX/XX/2020. Please see attachment below showing eligibility during that year. The XXXX XXXX XXXX XXXX XXXX XXXX department told me that I did I had a zero balance and they had both of my insurance listed. Your company has put me in the collection with inaccurate information. I attached proof of my secondary. I need this error corrected immediately. Im in the process of purchasing home. I find out about the collection wile Im in the process of purchasing a home from where my loan officer pulled my credit. Thank you for your assistant in this matter. Please feel free to call me to help me with this inaccurate information that was reported to the collection agency and credit bureau.
Product: Debt collection

I have been contacted by chase an account that I have disputed and do not owe as I explained my situation to them the representative said I see this might not be you. She then began to accuse me of living at an address that I have not lived at for many years and claim that I was lying about my info when I have proof that I was not living at said location. The phone number that contacted me was XXXX I would like to resolve this issue and protect my rights as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized account that is currently reporting to my credit report. I have never had an Apple account, nor have I ever authorized any transactions related to such an account. 

I have attached a copy of a police report and an identity theft affidavit documenting the unauthorized use of my personal information to open this account. These documents provide evidence that I am not responsible for the account activity and that I have been a victim of identity theft. 

I have previously contacted your customer service department regarding this issue and have requested that the unauthorized account be removed from my credit report. Unfortunately, I have not received a satisfactory resolution. 

I kindly request that you investigate this matter promptly and take the necessary steps to remove the unauthorized account from my credit report. Additionally, I would appreciate it if you could provide me with detailed information regarding the account, including the date it was opened, the account number, and any transactions that have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

After further review of my credit report and after requesting multiple investigations of the accuracy of the data. Experian has continually allowed data furnishers to report data that is not compliant with the Metro 2 Standard. The data deviates from the standard agreed upon by Experian according to the CDIA agreement, adopted in accordance with 15 USC 1681. This deviation from the Metro 2 Standard jeopardizes the integrity of the data, Experian has verified that false data is being reported accurately.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX. Account # : XXXX XXXX XXXX. Account # : XXXX XXXX. Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov. Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$130.00}
Product: Debt collection

I'm very upset by the invalid information found on credit report via XXXX. I do not owe Enhanced Recovery a balance of {$160.00} in collections. This debt shows XXXX and past due as of XXXX of XXXX. The debt went into collection in XX/XX/XXXX. I sent a letter to dispute the collection debt.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

I have made previous attempts to fix these issues directly with them and They are violating my rights and I am entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is an identity theft report of all fraudulent accounts and inquiries that need to be removed from my Experian credit report. 

Experian Fraudulent account that the creditor agreed to removed ounce it was satisfied but never removed it 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XXXX XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # to all three credit bureaus. 

XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX XXXX Equifax tracking # XXXX XXXX XXXX XXXX XXXX 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 acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish there accounts on my credit report as well. 

Account : XXXX XXXX
Product: Debt collection

Response to your XXXX Party Letter of Treat by Mail. 
The indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX PO XXXX. 
XX/XX/XXXX From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # ( XXXX ) XXXX To : LVNV Funding, LLC c/o Resurgent Capital Services, XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX ) XXXX Dear 3rd Party Collector, As I have NO Contract with you, SIGNED CONTRACT CONSISTS OF TWO PARTIES, SAID OWNER OF XXXX  XXXX & myself, please produce, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. 
As of today I have presented a Credit Set-Off Settlement to the " XXXX  XXXX Bank account ending in 2296 for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of 1933. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and all workers to credit bureaus and sue for damages with a lien. 
Thank you for your time and have a nice day. 
Honorably yours, By : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

One XX/XX/2017 Navy Federal Credit Union issued and mailed me a letter pertaining to debt settlement. Per their agreement, I would get 40 % off a {$2500.00} debt I had with them meaning I would only have to pay approximately {$1500.00} to settle the account. On XX/XX/2017 I filed my taxes and had the money deposited into an old checking account with NFCU because it was closed and I did n't know. As a result, NFCU deposited the money into my savings account. They withdrew the full {$2500.00} and I was not refunded the 40 % off as described in their letter. When I called XXXX, an XXXX employee, I was lied to. XXXX stated I paid the debt back in XX/XX/XXXX which is before the XX/XX/XXXX settlement letter. I told XXXX it was impossible for me to pay in XX/XX/XXXX because I filed my taxes, the money used to pay off the account, on XX/XX/XXXX. Explained to XXXX that they basically withdrew the money on the same day that the letter was sent. XXXX proceed to lie to me, yet again, about the agreement. XXXX lied and said that I was supposed to call them to agree to the settlement. I called XXXX out on her lie and let her know that the letter said I did not have to contact them to agree to the settlement. I simply had to send in a payment and I was supposed to contact NFCU if I was NOT able to adhere to the terms. XXXX is refusing to give me my money back that I rightfully deserve.