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

On XX/XX/XXXX, I sent my statement to CEO XXXX XXXX of the Bank of America Corporation ( BAC ) with facts and documents supporting credit card fraud perpetrated by individuals ' unauthorized use. CEO did not respond to my statement to date. 
Due to ongoing renovation, I only asked my son to buy items we need from XXXX XXXX and XXXX. I never authorized anyone else to use my card. From XX/XX/XXXX, my son was trying to buy a table but could not. On XX/XX/XXXX, I went in person to meet with local BAC staff. They told me that my card was blocked due to a suspicious transaction for {$180.00}. I told them that I would ask my son and call them back. On the same day I called them. No one was there. I tried on XX/XX/XXXX and XX/XX/XXXX and there was no one to talk to. On XX/XX/XXXX, I reported the fraudulent charges to BAC staff by dates and amounts. They asked me not to pay the charges. On XX/XX/XXXX, I noticed a balance due of {$3600.00} on my card. I reported more fraudulent charges to BAC staff. I asked them to cancel my card and not to issue any BAC card because of the aggravation it caused. On XX/XX/XXXX, a new credit card was generated by BAC without my knowledge or consent. On XX/XX/XXXX, BAC reposted the fraudulent charges to the new card. I never asked BAC for a new card and I never received it. I have been a victim of identity theft and the police are aware of that. When I showed them the BAC documents I received, they indicated that BAC should resolve the problems they created. When I asked them to investigate, they asked me to come back when BAC identified the perpetrators of identity theft. Local BAC staff were aware of my identity theft and the temporary lifting of the security freeze from the three major credit bureaus to enable them to process BAC credit card which I received in XXXX, XXXX. BAC never sent me the identity of the perpetrators of fraud. Instead, they reported me as delinquent to 3 major credit bureaus and one in XXXX, XXXX, to ruin my credit history for no fault of me. I always paid BAC the charges incurred and they continue to charge interest and penalties on their new card. I am not liable for fraudulent charges. I sent them my driver 's license, utility bill, etc. They never responded.
Product: Debt collection

I called the company and attempted to dispute this debt because I do not owe this debt and was not helped.
Product: Mortgage

On XX/XX/19, I closed on a refinance on my home with Loan Depot. I did not receive funds until XX/XX/19. I complained repeatedly to both my loan processor and with XXXX XXXX XXXXy, XXXX XXXX, to no avail. I was told by Loan Depot that XXXX XXXX XXXX was extremely busy due to the number of loans. I finally received the funds the evening of XX/XX/19. 

Also, I started the loan process on XX/XX/19!
Product: Debt collection

I received a letter in the mail from a new Collection agency called Phillips and Cohen Associates. I previously sent in a complaint against XXXX XXXX who also had XXXX XXXX XXXX sending letters requesting a different amount that is reflecting on my credit report. I would like this account to be deleted with all credit bureaus. The amount that is being reported is {$6700.00} but now the new Collection agency is asking for {$3600.00}.
Product: Student loan

Tried to pay my student loan after they stopped the grace period could not get on the website tried and tried then I got from I believe a phone number that I didnt owe anything then I tried to call XXXX hrs XXXX hours on hold. My phone service is terrible where I live. I tried to ask mohela to please send a bill in the mail due to talk of fraud. 
Took me 40 years to get my credit Score good then wham XXXX points subtracted. I dont think its fair Ive never had so much trouble paying a bill. Please Help.
Product: Money transfer, virtual currency, or money service

XXXX Cash App, I notice icons on my phone was moving without my assistance, I could see someone open the XXXX  store and download an app, then I saw cash App open and a request for XXXX that was sent to XXXX XXXX from XXXX XXXX . I tried to cut the phone off and couldn't. I think took my phone to the " XXXX '' store to have a diagnostic ran and was advised it appeared there could have been a virus, a hard reset was done and then I was advised to file a police report ( XXXX ) it was like someone was mirroring my phone. I immediately called Cash App and advise fraudulent activity appeared to be going on and was told they was unable to stop the transaction, I also called my bank which is XXXX the funds were still in my bank which is XXXX. I called Cash App about 15 times in a row to start a dispute, every time I called, I was told no dispute was started, they begin to cold transfer me, leave me on hold for extensive periods of time and often advised they would transfer me to their dispute department and hung-up, every time I asked for a manger I was told no. I was advised a 15-day investigation would take place and 30 minutes later received an email saying case denied, the lack of respect blew me away. I was treated as if I was the criminal, to think you have already been violated, money taken and no one to help you, that was actually all the money I had but Cash App could care less, I have had a Cash App account for years, however I seldom use it. The more I contacted them the more this became less about the money and more about the lack of respect as if there is no recourse. Someone provides you their financial information in good faith and you say too bad so sorry. This is my hard-earned money were talking about. I can tell Cash App has little repercussions for the lack of service they were completely comfortable with telling me anything and some point it appeared to be a game
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX The results of their investigation did not produce the requested documentation therefore they ... XXXX XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715, 719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft, I've also a victim of the Equifax data breach. Accounts has been opened up in my name inwhich I have no knowledge of. In particular the following accounts are not mines, therefore I'm asking that they be removed or support by certified physical documentation. Please remove the following accounts. 

1. XXXX XXXX {$12.00} 2. XXXX XXXX XXXX {$130.00}
Product: Credit card

This account has been removed from experian and XXXX. I need it removed from XXXX. XXXX XXXX military here.
Product: Debt collection

In   XXXX   XXXX  , I returned home from  XXXX  where I had been living since   XXXX   XXXX  .     As part of the dispute, the sent m e two lett ers, dated   XXXX   XXXX   XXXX   and    XXXX   XXXX   XXXX   . They also sent me all the statements from    XXXX   XXXX    through   XXXX   XXXX  .      1 ) T he   XXXX   XXXX   letter provided an address that is fraud/belongs to the identity thief (  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Louisiana ) and indicated that a credit card had been shipped to this address on   XXXX   XXXX   XXXX  . This address is listed in the  one or more o f the statements that were shipped to me at my address. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.      2 )  The   XXXX   XXXX   letter provided the address where I have lived since   XXXX   XXXX    (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UT  XXXX  ), a nd stated that they had sent a credit card to my address on the same date in the first letter,   XXXX   XXXX   XXXX  . I was living in  XXXX  at this time, had not applied for nor ever received a  Discover cre dit card, nor had my family ever received a credit card for me at this address. This address - my address - is NOT listed on ANY of the statements. The address on the statements at the time the credit card was sent in   XXXX   XXXX   is  XXXX , Missouri - not the address indicated on the letter.     ***** In an attempt to validate a fraudulent account without accurate or complete investigat ion, Discover perjured th emselves in providing false, unfounded, undocumented, and conflicting information to their own documents. ****
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in the past few months been deactivated from XXXX, XXXX XXXX, google pay, an my XXXX account ( XXXX XXXX ) I have lost clients, transactions, behind this I have reported to all apps the issues I've been having I've been locked out of accounts from my bank XXXX mobile banking I'm going thru a dispute right now with my bank I can no longer use my XXXX MasterCard I've been kicked of my XXXX XXXX I have a open dispute going with XXXXXXXX, XXXX XXXX an XXXX XXXX XXXX I have transactions I can not access in my XXXX  account because of suspicious activity the poscess to dispute these accounts has caused me to lose a lot of funding for my new XXXX XXXX it's caused me to be late on my bill payments because I can not access my transactions customer service has giving me instructions to get back into my accounts an when I provide all the information I can it never gets resolved. I need to be able to get my accounts back open I have appointments stacking up an I need to work
Product: Credit card or prepaid card

At least for the last nine ( 9 ) months, may be more, every month I have a fraudulent charge on my credit card account. 

For the long time I was not able to understand how it could continue as credit card company was canceling my credit card, and replacing with a new one with new account number.

I believe it is connected to a " subscription service '' they are selling, so criminals are informed about change in credit card number.

My requests for : 1. Reject any charges without physical presents of my credit card or 2. Stop including my credit card information into " subscription service '' they selling were rejected. 

I believe the credit card company negligently engaged in supporting wide spread credit card fraud.
Product: Student loan

I contacted edfinancial on XX/XX/XXXX for a refund on a payment I made in XXXX. They processed the refund and stated it would be 2 weeks until it was completed. I called again today XX/XX/XXXX and they said it will take up to 150 days to complete the refund on the payment I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I requested that XXXX remove the inaccuracies on my consumer report concerning tradelines and hard inquiries. XXXX, XXXX and TransUnion have failed to promptly update and correct information that was furnished to the Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ).

Information was furnished to CRA about severely delinquent or charge-off accounts but failed to furnish Dates of First Delinquency for those accounts in violation of FCRA 623 ( a ) ( 5 ), 15 USC 1681s-2 ( a ) ( 5 ).

Due to the failure to delete the inaccurate information and willful noncompliance I am request damages as well.
Product: Money transfer, virtual currency, or money service

Today, XXXX XXXX I made a transfer to a friend in the XXXX. I selected using my BANK account linked into PayPal.
Upon entering the information, my screen cleared and I got a blue bar with " Send Money Now '' to send the money to my friend.
NOTHING told me that they switched from my BANK, which is clearly marked as my 'Preferred Funding ' [ and verified by the customer service persons ] over to my backup credit card. By doing so they raised their fee from XXXX to XXXX ... plus an additional 3 % onto my CC as a 'foreign transaction '.
Going round and round with the PayPal reps, all of whom simply said that " that 's how the systems is set up '' and while they can not tell me why it happened, there is also " NOTHING THEY CAN DO '' to correct the 'error ' on my situation.
If this is so, then they are also ripping off other users with switching to a more expensive funding source, seemingly at whim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an address as for me in error as XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is an office build I never lease or live at this address Please provide me documented proof as to I lease here or live here at this said address as Equifax has on file. 
Attach is a photo of office building
Product: Credit card or prepaid card

Synchrony bank has mishandled the allocation of my monthly payments towards promotional " no interest '' if PIF purchases. Initially I was told via phone that my automatic payments were going to my oldest promotional purchases first. Later I was told over the phone that I needed to call in every month and explain to a representative how I wanted my payments allocated. Synchrony did NOT allocate my payments as requested every payment month. This was an intentional act on Synchronys part in order to cause my promotional purchases to default so they could collect interest. At no point should any of my promotions have gone into default. Each one was set to be paid in full before the promotions expiration date. Synchrony was willfully negligent in distributing my payments. I called Synchrony again to try and resolve the issue on XXXX/XXXX/XXXX. A supervisor refused to share phone records and told me to subpoena them if I wanted them. I have my cell phone records that show phone calls to their XXXX phone number that last anywhere from 15-30 minutes. These records show outgoing calls I made every month where I request allocation of my payments to older promotions so they would not default. During these calls I was assured each time my payment was being distributed as requested and my promotions were in good standing with no chance of defaulting. I have paid my remaining balance to Synchrony bank in full minus the accrued interest they are requesting. I have since closed my account and Synchrony continues to change interest after they broke their agreement to distribute my payments to the promotions I requested. They are obligated to remove any interest accrued on this account. Their previous response was unacceptable and it further illustrates my point. They could not locate phone records. Also the response did not provided a contact email or phone number from the responding representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX Balance : {$58.00} ; XXXX XXXX  Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX Date of inquiry XX/XX/XXXX ; XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

Respected Sir/Madam, I am currently having mortgage Loan a/c XXXX with PennyMac XXXX. For above said mortgage account I have escrow account set up to make payment towards my Property tax and Insurance. From said escrow account, payment towards Property Tax needs to be made on semiannual basis. For current year 2020, PennyMac did one of those payments after due date and second payment has not been done till date. For the past few months I am following up with PennyMac to make second payment due for this year 2020 to XXXX County IL. In all follow ups I had with the Call Center team, it was acknowledge that tax payment for second half of the year was missed and that it would be processed immediately. I had asked team to provide written acknowledgement stating that I had formally lodged complaint and that it would be followed up. Neither did I receive written acknowledgement of the issue nor the team acted upon on the request to make tax payment to XXXX County IL till date. As a result of delay in payment I am being charged interest of {$92.00}. I request that PennyMac be held responsible to make this additional payment as it has occurred due to lapse on its part. I would request CFPB to intervene and resolve the complaint at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was removed as an Authorized user for a XXXX account in XXXX, XXXX. However XXXX and Equifax credit bureaus are still reporting this account as active. 
I am requesting XXXX provide me the XX/XX/XXXX AUD they submitted to XXXX, Equifax, XXXX and XXXX The AUD is the automated digital version of the form, which was originally called the Universal Dataform ( UDF ). Once the AUD has been prepared, the furnishing party sends it using e-OSCAR to all of the credit bureaus where the error is appearing on your credit report Two Credit bureaus claim XXXX never submitted an AUD updating the information concerning this discover account
Product: Debt collection

On XX/XX/2023 I was notified by a distant relative that she had received a voicemail message from XXXX XXXX XXXX informing her to get a message to me about an important matter that needed to be resolved before I was served with documents. I called XXXX and spoke with XXXX XXXX. He asked for the case # and I gave it to him. He asked for my date of birth & I told him that I wasn't comfortable giving him that information since I didn't know with whom I was speaking and/or what the case was about. XXXX told me that he had my SSN ( he read it to me ) & told me that he could make my life very difficult and have me served with court documents if I didn't comply. I asked him why providing the case # wasn't sufficient and he hung up on me. I called back & spoke with XXXX XXXX, who said he was the Director of Operations. He then told me that his company had been given permission by XXXX  XXXX to collect an old balance that I had with HSBC and that the balance had been added to my XXXX  XXXX account, since they had recently purchased HSBC XXXX XXXX. He also told me that I needed to pay {$1900.00} on the phone right then to settle the outstanding amount of {$4600.00} and if I refused or asked for verification of the debt It would waive my rights to settle for a smaller amount in the future and that his company would file a tax lien with the IRS and/or send a 1099 to the IRS because the credit that had been extended to me was considered to be income. XXXX XXXX stated that XXXX XXXX had frozen my current credit card with them until the balance to HSBC was paid in full. On XX/XX/2023 I spoke to XXXX who said that she was the Vice President of Operations in the Corporate Office. She said she would obtain proof of the debt and send it to me. I told her that by law, it needed to be provided in 5 days. As of today ( XX/XX/2023 ) I still have not received validation of the debt. On XX/XX/2023 I sent XXXX an email to obtain the status of my request. I still have not received a reply. I am still getting phone calls threatening to have me arrested, have the debt placed on my credit report and threatening to sue me. Someone named XXXX even threatened to disseminate my SSN to other people for egregious purposes.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, i told Cash Store, that i will have to default on the loan, due to finational issues. They stated they are still going to remove it using my debt card info. I asked to remove my payment information. They told me no. I had to change my Debit card number. On XX/XX/2020, the cash store removed the amount of XXXX, from my checking account.
Product: Credit reporting

Upon getting my credit report, I noted an address of XXXX XXXX XXXX XXXX IL on there with a possible loan/store credit card and possibly more obtained/attempted and possibly Utilities use connection using MY NAME. This address is/was my ex-husband and his new wife XXXX XXXX XXXX XXXX and XXXX XXXX. They have tried this before in getting cell phones. I would like more information on what/who they used my info for and what I can do about it Please. These were noted on my Transunion credit report and I am unable to get my XXXX XXXX right away because it shows accounts I do not recognize on there.
Product: Debt collection

Do not have any knowledge of this Credit Account on my XXXX, XXXX  and XXXX  credit file to Original company One Wall. Contacted them and confirmed debt is not mine however FCO will not remove from my credit file. Insist that closed account is accurate. Please assist and remove
Product: Debt collection

Reporting to my XXXX credit report as XXXX XXXX I called XXXX  the address this was owed for I have never lived there. The balance is XXXX I have disputed this account and it remains unchanged.
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. 
The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act. 


XXXX Citi Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Please see the attached letter regarding violations of Massachusetts General Law Chapter 93A.
Product: Money transfer, virtual currency, or money service

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.