23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices. Which violates consumer financial protection act ( CFPA ). Specifically cashapp 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 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: Mortgage

Borrower 's applied for a XXXX short sale along with an offer from a pre-approved XXXX. The XXXX, XXXX asked the lender for XXXX. The XXXX did not respond. Consequently, he requested XXXX directly from XXXX. The valuation determined by XXXX is {$320000.00}. The XXXX, submitted a Valuation Dispute and submitted a XXXX from an independent party. The XXXX was {$280000.00}. Current offer is for {$270000.00}. The foreclosure sale date is scheduled on XX/XX/2017. XXXX has requested a postponement of the sale to allow time to review valuation dispute. To complicate matters the property is listed on XXXX for {$200000.00} as an opening bid. XXXX has asked the lender to remove the XXXX listing since it conveys to public that the property can be bought for this amount. Meanwhile, the XXXX as the property listed for {$290000.00}.
Product: Mortgage

The company is playing a manipulation game with the principal, interest and escrow without the knowledge of the borrower and without responding to borrower 's concerns. 

See attached emails, and attached manipulation of principal, interest, and escrow, all increased artificially.
Product: Mortgage

I started a dialogue with the bank in XXXX. In XXXX, I went in the bank to provide the power of attorney papers on behalf of my dad. He XXXX his wife ( my mother ) in XXXX of this year and has been in financial hardship since the day she XXXX. I was able to gather what little money she had left to make payments on the mortgage and the prime equity loan but the money was depleted by the end of XXXX. I have spoken with numerous representatives and provided this information. With the state of affairs, I knew the debt was insolvent. I did inquire about a short sale or possibly deed in lieu. 
All of this has been explained to the bank. I keep in touch with the bank via phone calls and correspondence a few times a month since XXXX. 

While I understand this is a business and the money is owed, he can not pay it. Just as there are circumstances surrounding the approval and denial of loans, they are circumstances surrounding any defaults. I can not afford to pay out money on behalf of someone else 's debt. I have put forth a lot of time and effort in an attempt to find a resolve. Going through credit counseling, cleaning out the property, listing the property, showing the property, and not to mention coming out of my own pocket for some of my dad 's expenses. I have been keeping the communications open with the bank. Realizing this is beyond my control, I know the best option is to sale the property or give it back to the bank. 

However, I keep getting passed around from one representative to the next. And the last rep is now stating I have no authorization to speak on the accounts and wants me to write the authorization for myself on behalf of my father. It does not even sound right. Previously, I did speak to them about a short sale and even requested the original documents from the loan. I never received any documents regarding the loan so I did not know how to price the house. I did receive the correspondence about the purchase agreement but it gives no other direction. I have been showing the house and have a lot of interested buyers. While I understand this is not a favorable situation for the bank, this is a way for the loan to be paid. I do not understand this resistance. This action can avoid the expense of foreclosure from them and relieve me of my parents financial burden because they ca n't speak to my dad, he is XXXX. 

I need concrete answers, I need guidance and direction on what the bank will or will not accept. Everything is so vague. Is it in foreclosure? because I did not get any correspondence stating that it was. And if not, why did they have a vendor go out and try to secure the property by threatening to change the locks? This is a horrible experience. I have attached just a few of the correspondence but there is many more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying XXXX of XXXX of credit card debt off without cancelling or closing my accounts and my credit score keeps going down. The last score drop was over XXXX points for paying down my credit card debt by {$100.00}. I have contacted Equifax about my score and why it keeps going down when Im paying down debt and they refuse to allow me to talk to a member of management to resolve this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in violation of the law, and putting me at risk. You should not have this on my report due to items/the information does not include nor does it provide complete details on me, the consumer, which would put me in further at risk of identity theft. In order to be on my credit report, it should provide all of the following : name, address, social security number and/or date of birth. They do not. Beginning in XX/XX/2017, XXXX, Experian and XXXX will no longer include records of tax liens if there are not at least three identifiers : name, address and either social security number or date of birth. My tax liens do not include all three or four identifiers, Therefore the state tax liens should be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I contacted the company XXXX when i recieved an alert about the opening of the account. i recieved an hard inquiring i reached out to the credit bureau to dispute the account with XXXX XXXX they told me they would investigate i never heard anything back so i followed up by calling them XXXX XXXX  and the fraud department told me the last rep didn't open an dispute. The company XXXX XXXX  XXXX i called XXXX they told me none of my information matched an that the card wasnt mailed to my home address they asked for copies of my drivers license and address and email address to verify the account. They told me it would be removed from experian and XXXX and XXXX i have been getting the run around i even mailed a letter to the company address XXXX XXXX XXXX XXXX XXXX NY XXXX nothing has been removed. Please invesitgate and remove this account it was opened fradualtey
Product: Mortgage

My home loan was sold to SLS in XXXX of 2016. Prior to that, I had been with XXXX Mortgage. Since the transfer of my loan, I have received XXXX letters stating that my insurance coverage was insufficient. The first time that I called in regards to the letter, I was told by SLS that I needed to have enough insurance to cover my existing loan balance. I verified with my insurance company that my insurance amount was enough to cover the replacement cost of the dwelling, which according to Virginia XXXX XXXX is what a mortgage company is allowed to require. After receiving this second letter in XXXX, I again called the company to complain about receiving the letter. I was told that the mortgage company just looks at the insurance amount and the loan balance amount to determine if a letter goes out, and not the assessed value of the property. As someone who works with the elderly and XXXX, receiving this sort of letter would be confusing and threatening and could lead to these consumers purchasing additional insurance that they would not require. When I pointed this out to the representative, he was less than receptive. I feel that SLS needs to stop sending these letters out to consumers using their current metric for determining who receives a letter.
Product: Checking or savings account

" I believe my phone and computer were hacked at the time of the transaction. I did not authorize this transaction, and I am requesting a reinvestigation of my claim. Please consider that unauthorized access to my devices could have resulted in the fraudulent activity. ''
Product: Credit reporting 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. 

Account name : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 


15 U.S.C. 1681section- 602 A. States I have the right to privacy 15 U.S.C. 1681section- 604 ; It also states a consumer 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 counting 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 received a letter from the original creditor XXXX XXXX XXXX stating it had been written off and I no longer owed the debt and provided a copy of the letter
Product: Credit reporting or other personal consumer reports

This response by Barclays Bank Delaware indicates a complete disregard for the law and my consumer right to privacy. I do not consent to, nor authorize, the consumer credit transaction between me and Barclays Bank Delaware, or my non-public private information, to be furnished or published by Barclays Bank Delaware, its non-affiliated third parties, or any consumer credit reporting agencies, including XXXX, XXXX, XXXX, XXXX, and others. As provided by 15 U.S.C. 1681b ( e ), I am exercising my opt-out rights. This item should be removed within 5 business days. The continued furnishing or publishing of this item will constitute willful non-compliance under 15 U.S.C. 1681n and negligent non-compliance under 15 U.S.C. 1681o, for which I fully intend to seek damages. 

Furthermore, charged-off are income according to the IRS but Barclays Bank Delaware failed to send me 1099C using this deceptive tactic to continue to harm but also for their financial gains.
Product: Credit reporting or other personal consumer reports

i filed a dispute with transunion through XXXX XXXX 
in was under investigation for 3 month and came back with nothing changed. 
this dispute was for apartment rental which tried to collect 12 month of rent when first month was free and XXXX XXXX XXXX XXXX. we were late 2 month and they served a eviction notice. they are now trying to collect for full 12 month of rent plus interest for total of over {$40000.00}.
Product: Credit card or prepaid card

I applied for a american express blue cash preferred mid XX/XX/2019, with a 12 month intro 0 % apr and a welcome bonus of XXXX dollars if I spent XXXX in three months. For background I have had 3 cards with amex including this. The first was a JetBlue cards around 4l5 years ago that was closed by amex when they ended their partnership. The second is a blue cash everyday card opened a couple years ago. The third is the card I am complaining about. 

In regards to the welcome bonus terms, I spent the XXXX amount within the first month and thought I would get the bonus, calling later XXXX to confirm and a case was opened. I was told I would recieve a call back within 30 days with information about the completed investigation. That call never came in. I called again today and was told the offer was declined and they would not give me a reason. I have never recieved a bonus, this is my first time with this product or applying for a card with this bonus. 

Second issue, today I noticed an interest charge on my statement and called to see why considering the intro apr. The representative said that i was denied because apparently the everyday card I have with them is the same product and I had used the intro apr promo on that card a few years ago. Nowhere on the application was I told this. Very deceptive considering the intro apr and welcome bonus was both denied. I concluded with paying off the card and will not use it again till this is resolved. Depending on the resolution I will cancel. I have been a amex customer for many years with exceptional payment history, not one late payment on any of my cards or hitting limits.
Product: Credit card or prepaid card

On XX/XX/XXXX, four fraudulent purchases were made using my Barclays JetBlue Credit Card. Those charges were a XXXX charge for {$400.00}, an XXXX XXXX charge for {$1900.00}, an XXXX/bill charge of {$6.00}, and a XXXX XXXX charge of {$9500.00}. All three purchases were made in XXXX, SC. I reside in XXXX XXXX, NY, and I was in XXXX XXXX, NY on XX/XX/XXXX. 

On the morning of XXXX, XXXX, XXXX, when I woke up, I saw that I had an alert via the Barclays app saying that there may be fraud on my account and also that the pin on my account had been changed. I called Barclays that day and let them know that this was indeed fraud, and that I hadn't changed my account pin. They cancelled the card, issued a new one, and let me know that they would be investigating the charges. After about ten days, I noticed that some of the fraudulent charges were still showing on my list of recent activity, so I called again, re-reported the fraud, and asked that the account be closed altogether, because I didn't have faith in their process. 

A few weeks later, I received a letter from Barclays dated XX/XX/XXXX which stated that they found the three largest charges ( totaling {$11000.00} ) to be valid and thus were adding them back to my bill. I called Barclays on XX/XX/XXXX to protest the decision, and they stated that a physical card was used for the charges and that I should submit via fax a police report and proof from my place of work that I was in New York on that date. I completed that task and submitted a letter from my place of work stating that I was on-site in XXXX XXXX XXXX  NY on the day of the charges, a police report logging the crime, an identity theft report that I submitted to the FTC, and two credit card statements showing that I had made charges on two other non-Barclays cards in New York XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I called Barclays again to verify that my packet of documents had been received. They confirmed that they had been, and let me know that the claim was still denied despite my evidence that I could not have made charges in XXXX, SC on the date of the fraud. As a result, I am now reporting Barclays to the Consumer Financial Protection Bureau, because I have tried everything reasonable that I could. I do not believe the bank is acting in good faith with regard to these fraudulent charges, and I believe that they are guilty of negligence for letting these charges go through. I barely use the card in question, and it is irresponsible to approve such unusual, repeated high value spend.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has led to multiple fraudulent accounts and an unauthorized inquiry appearing on my credit report. These accounts and the inquiry were added without my knowledge or consent, and I am requesting immediate action to address them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent accounts and the unauthorized inquiry to restore the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX, Experian and XXXX after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, and hoping that this XXXX XXXX Late payment will be removed and corrected. 
XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Product: Credit reporting or other personal consumer reports

Credit Bureau Name ] [ Credit Bureau Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Date of Last Activity for Account # XXXX Dear XXXX XXXX XXXX  I am writing to formally dispute the inaccurate date of last activity listed on my credit report for the account with the following details : Account Number : XXXX Original Creditor : XXXX XXXX Collection Agency : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Date Opened : XX/XX/year> Reported Last Activity : XX/XX/year> The reported date of last activity ( XX/XX/year> ) is incorrect and does not accurately reflect the history of the account. This discrepancy may negatively impact my credit report and overall creditworthiness. I am requesting that you investigate this matter and remove this account with inaccurate information. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report. If the date of last activity can not be verified, I request that it be corrected or removed from my credit report entirely. 

Please provide me with the results of your investigation in writing. I look forward to your response within the XXXX period as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a fraudulent XXXX XXXX account opened in my name. Creditors were double pulling from multiple accounts unbeknownst to me. XXXX XXXX XXXX, I paid {$23000.00} XXXX {$16000.00} loan in just over a year. Capital One Auto I paid {$32000.00} on a {$26000.00} loan in XXXX months. When I requested XXXX authorizations with my signature, they sent me XXXX  emails that when opened automatically signed themselves with no option to decline, and were predated. 
Capital one Auto did not report XXXX separate payments that were for {$8000.00}, XXXX went to interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX  of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX FIN Account Number : XXXX ; XXXX Account Number : XXXX.
Product: Debt collection

I do not recognize this account as it was opened as aresult of identity theft and needs to be removed from my record asap
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX  XXXX XXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXXBOTH OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS PHYSICALLY MENTALLY AND EMOTIONALLY XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX  EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT DISABILTY PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.
Product: Student loan

I am in the process of getting a job opportunity and trying to repay my student  loans. However I keep getting non-stop phone calls everyday and was told that they won't stop and need to stop. I will repay this however it is making it more difficult. They have been calling me almost everyday for the last 2 years now. I was told by the Biden-Harris admin that I received an email of student loan cancellation and is in the process since I was eligible and received an email from them. I would like the phone calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have submitted info, a few times, for my monthly payment to be recalulated. The first time, my wife 's XXXX was needed. However, this is my student loan, not hers. She no longer has any loans. According to some documents read today, her income should not be added to mine. I was denied the SAVE Program and this asked to pay $ XXXX a month. That is a lot of money, all because they looked at my wife 's income too. I spent 2+ hours on hold today, with Mohela , just to be hung up on, SO, I went back on the Mohela website and I reapplied to the SAVE program and my payment would be $ XXXXif approved-which is way more affordable. I uploaded the pay stub for proof of income. I hope this gets resolved, as I am in the PSLF program and don't want to jeopardize this. Mohela, over all, is a poorly run loan program.
Product: Credit reporting or other personal consumer reports

The removal of these unauthorized fraudulent accounts from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 
Written documentation that I opened this account. They could not provide that information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITI CARDS CBNA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times with XXXX, Equifax and XXXX regarding the inaccurate reporting of XXXX. 
These inaccurate accounts continue to be reported and they are not mine. 

XXXX Opened XX/XX/XXXX {$270.00} Original creditor : XXXX XXXX Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX
Product: Credit reporting or other personal consumer reports

I don't recognize any of these flags on my credit reportXX/XX/XXXX