23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX there was an unauthorized transaction that occurred at an XXXX XXXX in the amount of {$260.00}. The following day ( XX/XX/XXXX ) I noticed the transaction and called USAA to report it. They then issued me a provisional credit. On XX/XX/XXXX I received a notification from USAA claiming that the transaction was not unauthorized and that my credit would be revoked on XX/XX/XXXX. The notice also informed me that I could request the documentation used to make their final decision. I called several times in the days that followed requesting the documentation. I finally received a notice on XX/XX/XXXX, but it didn't actually include any of the documents used to make the decision. This was very upsetting for me especially since that was the day they removed my provisional credit.
Product: Credit card or prepaid card

I have been unable to use my card since XX/XX/2021 I was notified by credit card company that my card would be inactive until minimum payment was paid was paid I paid the minimum payment plus an extra Few payments which bought my account down by less 50 % of my credit limit and I still haven't been able to use my card I am incurring late payments due to he rejection of my ACH payments that come directly out of that account and and despite my numerous attempts to contact and Rectify the situation with the credit card company My card still remains an active as of today which is roughly almost a month this is unacceptable and I'll be home in a few weeks account for a few years no consideration consideration or communication is being
Product: Mortgage

I applied for an Illinois Hardest Hit Fund. back in XX/XX/2019. IHDA submitted my file to Sun Trust Bank. It was submitted to Suntrust in the beginning of XXXX. Today is XX/XX/2019 and they have STILL not responded to IHDA in reference to my mortgage. 

My housing counselor and I called Suntrust on a 3 way call. The incredible part is NOBODY at SUNTRUST even knows what The Illinois Hardest Hit Fund, and they do not even know what the program is, and who to refer us to at the bank. 

They signed up and agreed to participate with the program, yet they are doing nothing about this.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous INQUIRIES on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account opened with XXXX XXXX in XX/XX/2018. Trans Union and XXXX DO NOT show ANY account history of this account.
Product: Mortgage

During the month of XXXX, I was out of the XXXX in XXXX for work for the month. Prior to leaving the country, I mailed XXXX checks to First Mortgage dated for the months of XXXX and XXXX 's mortgage payments. However, upon returning from XXXX, I learned that the XXXX checks that I mailed to First Mortgage were not deposited. I contacted First Mortgage and was advised by the customer service agent that First Mortgage had sold their loans to another vendor and I would be in contacted by the company if there were any issues with my payments during the transition payment. The customer service agent assured me that if I had n't already been notified of the transition, I would be soon and that there was a slight delay in the processing of payments and that as long as my check as dated accordingly no late payment ( s ) would be noted to my account. Under these instructions, I continued to monitor my account to make sure the payments posted accordingly. Please note during the month of XXXX or XXXX, I did not receive any notification that XXXX Mortgage had taken over my account from First Mortgage or that we were late on our XXXX and XXXX payments. 
As the XXXX month end approached, we noticed that the payments had not posted to the account and we contacted First Mortgage, only to be redirected via the call tree to XXXX Mortgage to reconcile the outstanding balance on the account. Once learning that the payments were not applied to the account, we immediately cancelled our previous checks ( there was a {$10.00} fee to XXXX XXXX XXXX for XXXX checks ) that were sent to First Mortgage and made payments to XXXX Mortgage for the outstanding balance ( which was not late with XXXX Mortgage ) on the same day. We were also advised that there would be no negative late payments to the account as this was an issue that multiple account holders were experiencing and because of the miscommunication/confusion during the transition. 
Unfortunately, it was brought to our attention after running a recent credit report that our last payment with First Mortgage/first payment with XXXX Mortgage ( still confused as its XXXX with XXXX credit firm and another month with another firm ) was documented as late payment negatively impacting our credit score. It was my understanding at the time that we made payment that there would be no negative report made to our account or credit due to the confusion of a lost payment during the transition from XXXX mortgage company to another. 
We are able to provide any work travel or bank documentation ( i.e. check cancellation, etc. ) as verification during these events to assist in reviewing and granting this approval to remove the negative report from our account/credit.
Product: Mortgage

In XXXX of this year, due to a hardship financial situation that started XX/XX/XXXX, I applied for a loan modification with the intentions of lowering my mortgage payment and continue living in my home. PNC has not been able to help and instead they have caused emotional distress. 
Summary after my application denial from PNC. 
XX/XX/XXXX mortgage payment in person ( see receipt attached ) XXXX payment has not been applied, per PNCXX/XX/XXXX. mortgage payment in person ( see statement attached ) XXXX payment has not been applied, per PNCXXXXXXXX {$2100.00} payment for escrow shortage to PNC, ( funds came from a credit card cash advance ), to pay off PNC escrow account PNC had recently established against my will even though I was up to date paying my insurance and taxes. 
XXXX Received a letter from PNC claiming my mortgage is late.
Product: Credit reporting 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 the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

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 ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

On XXXX XX/XX/year>, I made a reservation and payment to XXXX with my wells fargo visa credit card. This reservation was for a XXXX night stay at this XXXX  XXXX, XXXX XXXX in XXXX XXXX, XXXX. On the day that the reservation was made, I paid a XXXX  to take me to this accommodation, XXXX XXXX. And even though, this XXXX  driver was XXXX, used XXXX XXXX  and a local gps app,. he ( XXXX  driver ) was still unable to locate this property. He even called this XXXX  XXXX  and they did not answer the phone or return the voicemail message. And XXXX also doesn't provide means for direct verbal communication for at the moment issues. So how am I to proceed for lodging accommodations?? If I can't locate this property and no one is available for resolution, then XXXX and XXXX XXXX is and has engaged in deceptive practices and stolen my money by not providing the service that I paid for. This is a fact without dispute. XXXX and XXXX XXXX DID NOT provide or allow me to even experience the referenced reservation via XXXX  : XXXX! Yet, XXXX, XXXX XXXX and wells fargo charged my credit card for {$420.00}. without accepting the above stated point of a customer not receiving or being Denied a product, service that they, I paid for, regardless, if part of their-XXXX XXXX initial terms and agreements states that there are no refunds for any cancellations. I am requesting the consumer finance bureau to right this Wrong and have wells fargo or visa to return this money, charge back into my credit card account. The wells fargo dispute number is XXXX. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 I noticed that there was a past due payment on my Banana Republic credit card ( XXXX ). XXXX XXXX  had just sold this account to Barclays Bank, and I was assured by Barclays that my " auto-pay '' would not be affected. Unfortunately, it was affected, and I received a late payment fee. I immediately called Barclays Bank on XX/XX/2022 and spoke to XXXX XXXX. He waived the late fee, instructed me to setup auto pay again, and verified that this was not my fault. He promised me that this would not go on my credit report. However, after applying for a loan at my bank, they informed me of the late payment history ( XXXX of XXXX  ). 

This late payment, and negative credit reporting is the error of Barclays Bank. My auto-pay never should've been interrupted, and I was told that it would not impact my credit history. How is this even legal?
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 I believe violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account vulnerable and unprotected.

Additionally, their dispute resolution process was unfair and deceptive, failing to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have caused me significant financial loss and inconvenience, and I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

These were accounts that went past due and were written off and were sold to LVNV/Resurgent. I made arrangements to pay both of these accounts and they were supposed to delete these trade lines from all credit reports. They did not delete them from the reports and are still showing in collections and affected me helping my son get his lease for college dorm.

I have disputed this more than once and it comes back as accurate information.

I have even provided a screenshot from my online bank showing where I made the payments on each account and they still refuse to delete the trade lines as agreed.
Product: Credit reporting or other personal consumer reports

Both transunion and XXXX dropped my score by XXXX points just because I have a new credit card open. That makes no sense. I have other credit cards open and that was not the case! Please fix the scores.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft in which I properly reported. There is fraud that is reported on my credit report. I asked for signed written contracts stating that I committed these acts. I have yet to receive any contracts to prove that this is my debt. I ask that the errors that I report below be removed immediately. 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: Mortgage

Fay Servicing committed mortgage fraud and identity theft against me by using fraudulent documents to foreclose on my home that I have no mortgage on. I've called Fay Servicing, emailed them and sent them letters explaining to them that they were illegally foreclosing on my home and they knowingly and willingly foreclosed on my property causing me to lose my home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XXXX, This CFPB complaint is being filed to formally request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block information on my consumer credit report resulting from identity theft and fraud within four business days of receiving this complaint. The fraudulent, inaccurate, and false information includes a personal loan account opened at XXXXXXXX XXXX on XX/XX/year>, under the account XXXX. This account has also led to several fraudulent hard inquiries and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned account or the associated hard inquiries as valid. The aforementioned account and hard inquiries reflected in my consumer credit report were not authorized, initiated, or opened by me. They are unequivocally the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX - XXXX - {$0.00} XXXX  XXXX AUTO FIN - XX/XX/2023 XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous XXXX ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX OF TX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting

I spoke with Equifax on XXXX/XXXX/15 and asked them when the following accounts would be removed from their credit reporting. I was given the dates listed below in XXXX and XXXX of 2015. These dates are all past the 7 year mark and they all should be removed no later than XXXX 2015. I was told my only option was to dispute them which I did. The results are attached. 
Problem : Every time I call Equifax I get different information. 
These removal dates are all incorrect. They should be XXXX 2015. 
Equifax has told me they base the removal date on the DATE OF LAST ACTIVITY. This date is blank on every item listed in the attached report! When I ask what constitutes the date of last activity I get varying answers! I disputed all the accounts below but they only processed some of them. 
As can be seen from the information below Equifax, XXXX and XXXX all are using different dates. Am I to assume these companies are reporting different dates to each credit bureau? This makes no sense. 
Account # Equifax XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 Deleted DeletedXXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 DeletedXXXX XXXX XXXX XXXX XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX XXXX XXXX/XXXX/2015 Not Reported DeletedThese dates need to be fixed and the accounts deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In According to the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 
15 U S C 1681 section 601 A section 1 states I have the right to privacy.

15 U S C 1682 section 602 section 2 also states a consumer reporting agency can not furnish account without my written instructions.
Product: Debt collection

On XXXX/XXXX/2015 I received a collection bill from XXXX, informing me that they were attempting to collect a bill on behalf of Pinnacle Credit Services , LLC. After receiving the bill I agreed to pay the portion that I was responsible for. On XXXX/XXXX/2015 I paid the bill in full and got a confirmation from them, advising me that as soon as the payment posted the account would be satisfied and listed as " paid collections '' and closed on my credit report, I was advised that they would contact Pinnacle Credit Services, and let them know that this was now a " paid collections '' and would be closed. To this day I have contacted Pinnacle Credit Services LLC and XXXX as my account is showing a {$0.00} balance but is still showing as an open account, I have yet to receive any answer from them.
Product: Checking or savings account

I have a cashapp account that i can not get my money out of. I have tried chatting since monday with no success.i have slso called three times and been hung up on three times without resolve or a solution to the problem.i have not cursed to any of the agents and tried to be polite as possible. 
Cashapp is blaming everybody but themselves with the problem but refuses to fix a simple withdrawel of my money that i use daily. Please help
Product: Debt collection

Check my previous complaint where they responded that they would stop calling as of XX/XX/2020 since this is not the number of any person who has done business with them. They have not stopped calling for one day, and they call up to 4 times per day every single day. Between XXXX to XXXX so far ( it's only XXXX so they might call a few more times ) just in those 3 days they have called XXXX times. These are willful FDCPA violations.
Product: Student loan

Mohela states that I am responsible for interest accrued on my consolidated loan that was put XXXX the wrong payment plan. I requested the REPAYE knowing I would end up on the new XXXX plan. They put me on the XXXX plan. 

They also stated that the accrued interest above my payments on the XXXX plan will accumulate in the accrued interest bucket until the end of the year. That is when the government forgives any unpaid accrued interest. 

I thought this was monthly. I had planned to use my property tax refunds I receive in XXXX to pay some principal on my student loans. However, according to Mohela I will have to pay the accrued interest bucket first before anything is applied to principal. This accrued interest bucket will include interest the government was to forgive under the XXXX plan. 

I dont believe the spirit of the XXXX plan was to hold the accrued interest for year. I also dont believe I should be responsible for interest that accrued on the Level plan when I selected the XXXX plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a loan with Affirm to purchase a ring on XXXX XXXX. The Ring did not arrive by XXXX XXXX can cancelled the ring .XXXX  was the company selling the ring. XXXX XXXX shipped the ring on XXXX XXXX. I did not receive the ring till XXXX. I returned the ring as it was cancelled. The Ring was shipped via XXXX  I have the return packaging. XXXX realized it made a mistake as it's driver forced my XXXX XXXX XXXX to sign saying it was a XXXX Gift and your dad would be mad. XXXX XXXX XXXX can not sign contracts. The Ring was returned to XXXX XXXX and then Affirm charged me .No ring .Just a bill. I complained for 4 months. I had a XXXX on XXXX XXXX. My XXXX  child was XXXX. I am XXXX  XXXX. Affirm did nothing to investigate.I have documented evidence in a letter that Affirm lied and XXXX XXXX  lied to the California Attorney General saying they shipped the Ring on XXXX XXXX. The XXXX box shows the date 1week later. I complained to you the FDIC., And multiple agencies in the US govt. No one did anything .bNiw fast forward. My credit has been ruined for almost 4 years and XXXXXXXX XXXX XXXX XXXX XXXX was one of the companies that underwrites the Affirm loan. They said that they have nothing to do with the Affirm loan but just recently I had a loan cancelled by XXXX because of an internal review by XXXX XXXX XXXX The Affirm loan went on my credit report after a XXXX article about single sale financing. I want the Affirm loan removed from my credit report and I want XXXX XXXX to stop hiding behind underwriting status when they know a bank or lender screws up like Affirm but then be an internal reviewer for XXXX you can not have it both ways.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$100000.00}