23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the years of XXXX I was being sent a lot of pre approved offers from Credit Karma for Credit cards , personal loans and car loans. At first I ignored it because I have other goals to focus on and other things Im building credit for, BUT Credit Karma kept sending the emails and enticed me to apply EVERYDAY. I would see different offers every time I logged in to check my credit scores great rates, after a few months of being told that I was pre approved I started to think about the dream car I can have and the personal loan I can have during the hard times in the pandemic, I got so many offers through credit karma I went ahead and applied knowing with the information from credit Karma, THIS IS THE LOAN FOR ME I finally applied and was denied. I was highly disappointed and deceived by credit karam emotionally. I would use the funding to support my family. Credit Karma told me I was approved but lied. I didn't get the credit card or loan, instead I have more inquiries on my account which is hurting my credit report. This has caused me stress and feelings of unworthiness as a working citizen. Im so insecure about the term pre approval because of the trap I fell for with credit Karma. I do believe I qualify for the settlement having pre approvals from Credit Karma since XX/XX/2018 That they tricked me into being denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want XXXX XXXX and Experian to also take notice of my current complaint and response to XXXX. XXXX is just acting with their power and money and everybody else seems to decide to make silence. BUT I AM NOT GOING TO MAKE SILENCE NO MATTER XXXX 'S POWER AND MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a poor credit credit card to rebuild credit on the Experian XXXX credit website. The Experian Credit report company lowered my score from XXXX to XXXX.
Product: Debt collection

I am homeless. I am trying to get my life back on track. I had an outstanding balance with Capital One. I was offered a settlement amount and I paid it. Since I paid it ; I would like for the entry to be removed from my credit report. There is no law stating it has to be there. My account is settled and I don't owe anything to the company now. Please remove the entry from my report. Thank you.
Product: Student loan

XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Late payments was posted on my credit report, I just came out a rehab program to bring my loans out of default with the company FAMS, that stated all my updated information would be sent over and updated to my new lender. I had no clue who my new lender was until the late payments start hitting my credit report. This is causing me to be turned down for being a homeowner, I called the company and updated all my personal information and I have been making all payments via auto draft from my personal account. Navient is not willing to work with me and stating that my late payments are correct.. I spoke to XXXX XXXX XX/XX/XXXX an she advise me that the late payments are accurate, I went through the program to get back on track and they do n't see how those payment can be accurate when I never knew who my new servicer of my loans would be until they start negatively reporting on my credit report. The late payments dropped my credit score XXXX points. Please advise what can I do.. Thanks
Product: Money transfer, virtual currency, or money service

I sold my tv on XX/XX/22. Seller sent the payment through cash app. I seen the payment confirmed. So I handed the tv over. I get home and my money is no longer on my account. It says the payee refunded himself. A feature cash app has to people sending money while pending transaction. I never got my money and I am out a tv. Cash app told me that it's app is meant for friends and family. Cash app won't reimburse me the buyer blocked me within minutes.
Product: Checking or savings account

Unable to link account to verified third party accounts due to PNC blocking access
Product: Debt collection

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

They have taken {$800.00} {$280.00} XXXX payments and {$180.00} XXXX payment and they said I was responsible for XXXX payments. I explained to them that it shouldnt be going up.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my Coinbase account was hacked. Upon noticing strange activity on my account ( I believe it was a phishing attach ), I immediately called Coinbase to lock my account. When I regained my account access days later, all but XXXX ( approximately XXXX ETH at the time ) was transferred to an unknown wallet. The attackers also purchased {$6400.00} worth of Bitcoin via ACH with my back account. As you can see from the attached image, only {$1000.00} would be available to trade immediately, while the rest could be moved off of Coinbase on XX/XX/XXXX. However, the attacker was able to make off with ALL of the funds. I then received notifications from Coinbase that I owed them for the XXXX the attached purchased fraudulently ( I had put a stop payment with my banking institution that day to prevent further theft ). After a few days, Coinbase seized what I had in staked ethereum to cover what I owed. I emailed supported asking why the hackers could move all of those funds on day one and received no response after multiple attempts. I believe I am owed {$5400.00} ( XXXX could be moved that day ) by Coinbase due to a serious flaw in their crypto transfer activities. Please help! I lost over {$12000.00} on the day of the hack and over {$6000.00} from money Coinbase seized.
Product: Checking or savings account

I received a notice from Citizens Bank on XXXX, stating I have an overdrawn account. The notice is dated for XXXX. I went to the closest Citizens branch and they printed out all the bank statements, since the account was opened on XXXX. I contacted the Citizens customer Support and they are investigating and I was I instructed to file with you for identity theft.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed Information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging, systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove the disputed accounts as XXXX inaction violates federal law and my rights as a consumer. Equifax and XXXX consistently responds stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. 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: Mortgage

I applied for a loan w XXXX XXXX / Roundpoint Mortgage after being declined for a mortgage by XXXX XXXX that shouldn't have been pre approved, mid sale, trying to make the sale work. XXXX preapproved me at the end of XXXX. 

In mid XXXX, XXXX communicated with me that my FHA loan was not being approved in underwriting due to my father ( co signer ) income on his rental properties. After he and underwriting could not come to a decision between themselves, my mortgage was escalated to the FHA. On XXXX XXXX XXXX advised me both on the phone and in writing via email that the FHA would not insure my mortgage and my loan was denied. He told me he would email me the denial paperwork on XXXX XXXX. 

Despite XXXX saying he would send the denial on XXXX XXXX, instead of sending the denial document, he sent me an email requesting that my father sign a *mortgage application* form even though we had signed it online together the week before and the mortgage was denied. When I emailed that I was not comfortable getting an application form signed after being told I was denied, XXXX responded via written email, threatening that if I did not provide the signed form, my application would be marked as withdrawn and I would not be given denial documents. Despite my instinct that it shouldn't be done, I got the form signed and returned it for fear XXXX would say I withdrew my application which would be breach of contract and make me liable to seller costs and financial loss. 

XXXX continued to repeatedly tell me that he would get me the denial doc at a later time, despite me following up on his provided tike frame. I also have an email from his supervisor on Thurs XXXX XXXX approx XXXX confirming my denial and that a denial document would be provided. 

Fri XXXX XXXX approx XXXX, XXXX emailed out of the blue that my mortgage was magically approved and issued a written commitment, despite there being no appraisal completed on the property. 

This has legally boxed me into the sale on a mortgage that could still fall through if the house does not appraise correctly, despite appraisals being done prior to a commitment. Additionally, neither XXXX or Roundpoint will clearly answer why there was a sudden reversal without communication or what factor caused the reversal at all, which seems extremely sketchy. And I have to follow through with this sketchy seeming mortgage or possibly get sued by the seller for breach of contract. 

I contacted Roundpoint 's customer service XXXX  email multiple time requesting if they could advise if issuing a written commitment w/o appraisal was their standard operating procedure, and if not, why an exception to procedure was deviated on my loan. I have received absolutely no response. 

This is sketchy, predatory, and has no ramifications for the loan company, but I could and have suffered financial loss in this process due to mortgage brokers not following rules, and I stand to live in a stressful state of not getting a mortgage despite having a " commitment. ''
Product: Mortgage

XX/XX/XXXX Valley National Bank withdraw {$1400.00} - Bank was not authorized to proceed with that transaction The Bank failed to inform me that I don't have active flood insurance on file. Since XXXX I always had property and flood insurance. My insurance agent had all my information and was always contacting the bank. 
Bank contacted me in XX/XX/XXXX ; my insurance expired in XXXX XXXX it was way too late because Bank decided to purchase insurance for me and post charges of 1,400.00 ( 4 months coverage ) on my account and withdraw money from my account without my authorization almost a year later in XX/XX/XXXX.
Product: Credit card or prepaid card

Goldman Sachs is giving insanely hard time trying to resolve a dispute against a XXXX charge on my Apple Credit  Card from XX/XX/2022 ( latest dispute reference XXXX ). I only receive automated email requests from XXXX requesting same information over and over again and despite providing evidence supporting my case each time, the dispute goes nowhere. Unfortunately, XXXX ended up being a shady store and they just ordered the purchase I made from XXXX to my address under their account from XXXX. XXXX arrived in XXXX box and all, despite being XXXX purchase from my end. Furthermore, the item ended up being slightly different from what was listed on XXXX  and consequently I returned it as per XXXX policy ( tracking number and return policy already provided to Goldman Sachs ). XXXX then refunded the charge to whatever payment method XXXX used to order the item to me, but XXXX never issued a refund to me as their customer. Now I am out of money and out of the item ordered and Goldman Sachs is not helping me to dispute this for a refund.
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 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 Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Truist Bank purchased the mortgage on my primary residence in XXXX of XXXX. They failed to make the homeowners insurance premium payment to my insurer, XXXX, in XXXX, despite having the funds in the escrow balance that they took over from my old lender. As a result, my homeowners insurance policy lapsed XX/XX/XXXX without my knowledge. Unbeknownst to me, I've been without homeowners coverage since that date. I'm lucky nothing happened. 

I only found out when Truist sent me a letter dated XX/XX/XXXX that I just received telling me I needed to get a new policy or they would get one for me and charge me a ridiculous price for it. 

I immediately called XXXX to see if I could pay to reinstate the policy, but it was unable to reinstate my policy after hours, and could not issue a new policy due to the lapse in insurance that had occurred. My choice was to wait until Tuesday when their underwriters would be available to possibly reinstate my old policy or try to find insurance elsewhere. I didn't want to risk 3 more days without coverage, so I went on a couple of other sites and was able to get another policy from XXXX. I had to take the monthly premium payment option ( which is more expensive ) because the money that should have been used to pay my homeowners is sitting in my escrow balance at Truist collecting no interest.
Product: Credit reporting or other personal consumer reports

I try remove the following address from my credit report, and have requested to have them removed, updated my address immediately and remove them. I have never lived at these addresses and should not be on my credit report. 

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: Credit card

XXXX XXXX XXXX Balance {$500.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$140.00} Balance updated XX/XX/2023 my indentity was stolen from a wallet at airport two years ago with my social security card, birth certificate and identification cards
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting fraudulent activity to ChexSystems under my social security number. They are falsely accusing me of fraud activity, and showing that I have an unpaid balance with them in the amount of {$2300.00}. Their claim is not only false, but it is also defamatory. 

I have been denied credit due to their lies, if they do not remove this listing immediately from the ChexSystems report under my social security number, I will be seeking damages due to their defamatory actions!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice a XXXX Checking and credit account open under my information without authorization and permission, I notice there's is predatory practice by the bank intuition to incurred a large amount of transaction without my permission or acknowledgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX  with their unfair credit reporting practices. I have disputed numerous times and asked for method of verification and they have not sent me anything to date that what they are reporting is verified as accurate per the law they are required to do so. 

They are reporting collection accounts with a past due balance inaccurately on my credit report and in accordance with the Fair Credit Reporting Act Public Law 91-506 Title VI, Section 611 Subsection A-D they need to provide the names and addresses of each individual with whom they verified the accounts and the information that they are reporting. The collections in questions are with XXXX XXXX XXXX. 

I will also be filing an official complaint as well with the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX with new & updated about my recent complaint XXXX. I am writing to dispute the validity of certain inquiries on my credit report, which I believe were made without my authorization. After reviewing my credit report dated I noticed several inquiries listed that I do not recognize or recall authorizing. XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/XXXX, I received an alert from XXXX  that my FICO score decreased by 10 points. When I researched why, it occurred as a result of American Express reducing the credit line available on one of my card accounts as the card account had been used in frequently. The account is in good standing and I pay all required fees to keep the card current. 

On XX/XX/XXXX, I received a letter from American Express ( mailed on XX/XX/XXXX ) that indicated a second credit card credit line had been reduced again because the card had been used in frequently. This account is also in good standing and I have paid all required fees to keep the card current for more than 20 years. This action by American Express will reduce my FICO score by another 10 points. 

I have no issue with American Express making a business decision regarding their card portfolios -- that is their right. I have a complete problem with being adversely impacted by that business decision resulting in a reduction of my FICO score by 20 points. I am in good standing with American Express, had an excellent credit score which I've worked very hard to maintain. By seemingly doing all of the right things, I am being penalized due to an internal American Express decision process without recourse. American Express has assured me they can not share with the credit bureaus that it was an internal decision that caused this action which had nothing to do with my payment history. 

I'm curious how this can be allowed. It will take me years of " perfection '' to again build my score back to it's previous standing because of arbitrary decisions made by American Express. I would ask that CFPB investigate this practice -- again, my issue is not the ability of American Express to make a business decision for their organization -- it is completely related to being a consumer, adversely impacted by that decision, through no action or fault on my part but suffering the consequences without a way to provide an explanation which would restore by FICO score to its previous standing.