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

There is a fiduciary obligation owed to me as I have given out my social security number, which the obligation is to act in MY BEST INTEREST financially. I asked synchrony bank as trustees to help me an I was hung up on. I expressed to them that they owe a fiduciary obligation an that breaching that duty could result in suspension or removal an I was abruptly hung up on. Not right. I NEED to get a loan an they are preventing me from doing that an refusing to help. That's a breach of fiduciary obligation which can take legal recourse.
Product: Money transfer, virtual currency, or money service

Account Number Ending In : XXXX Claim ID : XXXX Dispute Type : Debit - Unauthorized Transaction Date Error Reported : XXXX Document Request Date : XXXX Claim Amount : {$3500.00} XXXX been fighting this situation for awhile months now. They havent investigated the situation they let the company unauthorized. They said they would refund me XXXX days then week later they closed My account XX/XX/year>. So I couldnt get my claim amount {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX  and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.
Product: Debt collection

Procollect agency ended up on my credit report causing me to not be able to get an actual place to stay. I didn't receive a letter or no type of notice stating this debt to where I could find time to take care of the problem. I knew nothing about this debt till I seen it on my credit report.
Product: Credit reporting or other personal consumer reports

This bankruptcy is being verified inaccurate and fraudulent. The bankruptcy court has stated that they DID NOT report or VERIFY this bankruptcy. It was purchased through pacer and they reported on their own. This bankruptcy was paid in full and dismissed/discharged and I was told I wont have a judgement against me. Months later this started reporting from Pacer who is a 3rd party company. XXXX XXXX reported of not having my data on file so they didnt verify it or the courts. How is this being verified?? This is hindering me from moving forward in life. I paid this in full so it can be resolved and not mess my life up and its been the opposite. Ive been disputing this for the past few yrs with no action. Please have them remove this.
Product: Credit card or prepaid card

I received an offer from American Express XXXX XXXX XXXX, 0 % introductory APR through billing period that ends in XX/XX/XXXX on balance transfers. Since opening the card in XX/XX/XXXX I have been charged interest on this transfer amount every month. Over the last four billing cycles I have been charge {$210.00} interest on a card that offered 0 % APR until XX/XX/XXXX. I have contacted American Express on five separate occasions, each time they tell me they are aware of the problem and it will be corrected. It has not been corrected, I am still being charged interest and no credit for the interest has been added to my account. I think they are defrauding me.
Product: Mortgage

A previous complaint has already been submitted : unfortunately, we did not notate additional information in previous complaint the modification of payments. We requested a modification to have our payments reduced due to financial hardship several times XX/XX/XXXX and XX/XX/XXXX, and SPS modified our loan payment by {$57.00} from {$1300.00} to {$1300.00} starting XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX.  The modification provided no assistance to our financial hardship, we continued to struggle. On XX/XX/XXXX, we received a letter stating a modification had been done which we were clueless about since we had not submitted a request due to last denial in XX/XX/XXXX. This particular modification payments were reduced from {$1300.00} to {$1200.00} roughly a {$100.00} and some changed ; however, the first payment was due XX/XX/XXXX, which was less than 30 days. We desperately want to keep our home. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

My loan is escrowed for insurance and taxes. Nationstar is the servicer of my loan. Nationstar had paid insurance XX/XX/XXXX and on about XX/XX/XXXX. I changed my insurance carrier on about XX/XX/XXXX. I mailed an insurance refund to Nationstar which was applied to my escrow account on about XX/XX/XXXX. NATIONSTAR HAS FAILED TO PAY MY NEW HOMEOWNERS INSURANCE PREMIUM WHICH WAS DUE XX/XX/XXXX AND I AM NOW AT RISK OF CANCELLATION! I think they are trying to force place insurance and that is not right because they are legally responsible to pay the premium as the have in the past.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, Equifax and XXXX. XXXX, Equifax and XXXX has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Mortgage

Have completed 3 or more trial modification plans with Flagstar bank. There has been errors with my name and the finalization of modification documents upon 3 trial payments being made. Flagstar has made 2 PMI claims for my mortgage, but they do not complete finalize paperwork after trial payments were made. They have also lost my trial payments too. Again, XXXX XXXX they have denied me mortgage assistance because of Flagstar errors processing my mortgage assistance. XXXX XXXX, XXXX. I emailed required mortgage assistance documents to keep my home. Flagstar told me to resubmit request to correct the processing but upon receiving my information they have not corrected my mortgage. Don't want to lose my home to foreclosure. Please Help
Product: Credit reporting or other personal consumer reports

I am asking your help to please REMOVED a portion of the data in my credit file that came about because of a FRAUD.Per FCRA segment 605 you are expected to eliminate any records.I 've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX  XXXX.Thank You. 
XXXX XXXX XXXX XXXX, OK XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

FACTS INVOLVING THE REPOSSESSION The XXXXXXXX XXXX state that on XX/XX/2023 they made a partial payment to Gateway Financial in the amount of {$310.00}. Their required monthly payment was {$590.00}. At the time XXXX XXXX made an arrangement to pay the remaining {$280.00} and any late fees associated on Thursday XX/XX/2023. Gateway Financial continued to call repeatedly requesting payment and XXXX XXXX reminded them of the verbal agreement made on XX/XX/2023. XX/XX/2023 XXXX XXXX parked our car in front of our residence. XX/XX/XXXX, Thursday XXXX, XXXX XXXX went outside and noticed our vehicle was gone. XXXX XXXX contacted XXXX XXXX XXXX 's office and was advised our vehicle had been repossessed. They provided Me. XXXX with the location of the vehicle. XXXX XXXX went to see the vehicle and noticed severe damage to the vehicle and one or more flat tires. It was parked in the back of a business covered in mud. The car had been damaged in the repossession to the point that it is not able to be driven from the lot. Before the repossession the vehicle had no damage and did not have flat tires. Both parties state the following A verbal agreement was made for a payment to be made on XX/XX/2023. 
A partial payment was made on XX/XX/2023 in the amount of {$310.00} Gateway Financial continued to contact XXXX XXXX after making the verbal agreement and never once warned of scheduled repossession. 
Gateway Financial repossessed the vehicle on XX/XX/2023 in the early XXXX 
Gateway Financial sent a letter to both XXXX and XXXX XXXX that never disclosed the amount to get the vehicle back or location. 
Gateway Financial failed to protect the consumer from substantial loss. 
Gateway Financial engaged in unfair, deceptive and abusive acts when reposessing vehichle. 
Gateway Financial never sent default letter and chance to being current as required by state law for reposession Damages severely decreased value leaving large amount due on consumer Gateway took veh after being 17 days late on a half payment ALL DOCUMENTS PROVING FACTS AVAILABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX no action was done for this matter by the 3 credit reporting agencies. I have 2 accounts on my report with inaccurate information such has late payments ( Never late ) and wrong remarks with is not correct. XXXX XXXX XXXX XXXX Opened on XX/XX/2016 XXXX and XXXX XXXX  XXXX Opened date : XX/XX/2016 XXXX. Resolve these accounts.
Product: Credit card

Re : Chase Bank, XXXX XXXX XXXX, XXXX IL XXXXEarlier this year my son ( XXXX years old, no job, no income ) and I walked into this branch, where my wife and I have all of our accounts. My son requested a credit card, and the " banker '' asked me what my household income was. I asked my son to turn around, and I whispered to the " banker '' that it was in the " XXXX figures ''. I told the " banker '' that I would not be a signer on my son 's credit card account, not as a co-signer, not as guarantor. The " banker '' assured me that I would not be responsible for his account. The banker DID NOT explain to me AT ALL that the " household income '' number that I gave him VERBALLY would play a major and primary role in determining the credit limit that they granted to him. I left the branch and my son stayed with the " banker '' to complete the application. I did n't sign anything, nor was I given any disclosures. 
A few days later my son received the Chase credit card in the mail with a {$33000.00} credit limit!!! 
YES, that 's correct A XXXX XXXX XXXX DOLLAR CREDIT LIMIT for a XXXX year-old who has no job, no income, and NO ASSETS. 
As far as I am concerned the " Banker '' who filled out the application committed fraud because he did n't disclose to me the purpose of the " household income '' number and did n't tell me that it was going on the application. 
I consider the action by the bank to be predatory, outrageous, but unfortunately, I 'm not surprised at all. Chase wants him to run up a large balance, charge him 20 % interest and then he will be servant to him for the rest of his life. Another bank being such a good corporate " citizen '' helping a XXXX year-old start his life in the hole .... 
Today, my son told me that he has a {$5000.00} balance, does n't have the money to pay it, is very depressed over the issue and had not be able to concentrate on his life for the past month or so. I called Chase and asked them to withdraw the " household income '' number from the account, as it was used fraudulently. I was hoping that by doing so, the bank would then recalculate his limit to a much, much, much lower level. Of course the bank said it ca n't be done and that they have to call my son to get his approval to lower the limit. I told them that per the legal credit card agreement the bank can reduce the credit limit at any time without asking the customer ( my son ). I said that my withdrawal of the " household income '' number should give them sufficient reason to reduce his credit limit. I told them that if my son knew I was talking to them he would n't talk to me for many years! But, of course the bank could n't do anything and as such, my son still has his {$33000.00} credit limit.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I am writing to urgently address fraudulent accounts that have been opened in my name due to the Equifax data breach. As a victim of this breach, I have identified several unauthorized accounts associated with my Social Security number, which I did not open or authorize. For your reference, I have attached a copy of my Identity Theft Report. 
The details of the fraudulent account are as follows : XXXX. This inquiry was not authorized XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. This inquiry was not authorized XXXX Inquired on XX/XX/XXXX Please remove it from my credit report XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. XXXX  agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this XXXX account can not report. Please remove this account immediately. 
XXXX XXXX XXXX XXXXccount Number : XXXX I am a victim of identity theft. Please remove it from my report. 
XXXX. XXXX  agency did not send me anything to verify this account so how did you verify it? Where is the valid documentation? Please remove this account XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I am a victim of identity theft. Please remove it from my report
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, they 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 redress For these violations.
Product: Prepaid card

I had to make an auto repair payment this past Saturday, apparently CashApp stopped my ability to make payments to people? I was never made aware. 

So the money I loaded onto the card was {$1800.00}. It was able to send to the auto repair owner. 

I tried to cash out, it said my account was disabled due to suspicious activity. I then contacted support as suggested on that Saturday. The robot in the support dept. stated it had been escalated to another higher up support dept. Sunday, Monday, Tuesday, Wednesday and now today/Thursday ... the robot is saying the same thing and I'm late on my child support payment because I had to use another payment method to pay for my auto repairs.. 

Bascially my auto repairs ran me XXXX of negative cash flow and because Cashapp won't SIMPLY let me withdraw my money because of an unknown suspicious activity, my money is stuck there and only robots work in support. 

The damages it's causing is horrific. I spent over XXXX of hard earned money to fight for my right to be in my son 's life after him going through XXXX XXXX deemed by XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and after filing suit against his mother and her negligence- I had equal custody and I do NOT feel confident when he's away from me- it's actually a nightmare... and to have Cashapp 's robots responding and holding XXXX that's mine, for child support specifically- it's outrageous. 

These companies using bots having no actual person being able to respond but just a ROBOT is so outrageous.. I wish regulators wouldn't allow this because this is what happens when something, that's not even complex ( they just think there's something suspicious going on with my account? what ...? I've reached out 20 times ) .. is outrageous... 

I don't even think this will help but the fact they have no ways to actually contact a human is unreal.. any bank or prepaid bank card should have REAL people not robots from some XXXX XXXX in the XXXX XXXX who made it where that can use robots who know a limited amount of words to reply and then just leave people hanging.. it's so lazy and so unfortunate and should be illegal. 


CASHAPP acts as a bank but when something comes up, they're an online service provider and no actual person will ever respond.. and boy do they charge fees on fees on fees - without any workforce.. it's ridiculous.
Product: Mortgage

Guaranteed rate is the originator of my mortgage and it is being serviced by XXXX XXXX XXXX XXXX ( Servicer for Guaranteed Rate ) Account # XXXX. My payments are not being being posted to my account in a timely manner. My payment for last month was credited to the wrong account and the error has still not been corrected despite numerous phone calls and messages thru the secure message app on the servicer 's website. I am concerned that my credit report and credit score will be ruined by this company 's errors on my account. My monthly payments are taking a very long time to credit to my account. I am now sending the payments very early in hopes of getting posted to my account on time but to no avail. I have really GOOD credit and I don't want it ruined by appearing to not be making my mortgage payments ( even though my bank statements prove otherwise ). I am making timely payments and should not suffer the consequences of this company 's inability to post payments to the proper account. Thank you for any help or advise you can provide to me. 

XXXX XXXX
Product: Student loan

I am writing a complaint in regards to Navient/Salliemae. I borrowed loans to finish XXXX year of school. I graduated in XX/XX/XXXX. However, when I upon graduating, after the XXXX month grace period I immediately began to repay my loans back. After almost XXXX years of repayments my loan balance has not changed and in some cases has increased since I borrowed the money in XX/XX/XXXX. I have called to dispute my payments over my account and have been faced with representatives hanging up in my face, transferring me endlessly and inaction. I became very ill over the years and continued to pay the student loans. In XX/XX/XXXX and XX/XX/XXXX I called to dispute once again and was ignored. Last week I called to dispute once again. I was unaware of the current lawsuit until today. I called and spoke with XXXX and requested a copy of my payments and charges and contract. Instead I was given a pdf file with a note saying my account was adjusted. XXXX was deducted so I sent a response saying that this was not sufficient and not was I had requested. I was given no response so upon calling this morning was transferred and ignored until I continued to request for a supervisor and wait until I talked to XXXX. I spoke to XXXX who said she would send my payments and contract with XXXX to XXXX days. While I attended school for graduate studies I continued to make payments of about XXXX per month or more. However, many of those payments and others have been omitted from my account and not counted toward my balance. Most of my money was taken and called " interest ''. I am highly disappointed with XXXX/Navient and can attest that they are more harmful for the XXXX people. They have done considerable harm to me and my family. I am an ill person who is unable to work. I was unable to dispute and fight as some individuals have. I am to weak to fight back. I think it is an American crime to take advantage of the XXXX and people who just want to go to school and get an education. They harm the country not help it.
Product: Checking or savings account

I was charged on my Chase credit card for an XXXX XXXX XXXX XXXX that I had ordered and a different inferior one was substituted of XXXX XXXX  and was sent to me by this company. 
Chase said they looked into this but did not rescind the fraudulent charges for this XXXX I found out later this company ( XXXX XXXX XXXX XXXX ) seems to makes a practice of fraud, misrepresentation, and bait and switch tactics The charge a was {$75.00} and placed back on my account XX/XX/22 As for the mistrust of Chase I will discontinue using this card, for now at least, as well as never with this cheating XXXX XXXX. 

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Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Statement of Ongoing Dispute to Be Added to My File
Product: Money transfer, virtual currency, or money service

Received text stating PayPal account has been locked. I do not have a PayPal account. Text received XX/XX/2023 From : XXXX Text Contents : Your PaypaI has been limited. 
We have locked your paypaI because our service has detected two unauthorized attempt. 

To unlock your account, you required verify your Account. 
Click the link below to unlock your Account : XXXX XXXX XXXXXXXX Your account will be automatically unlock, after finishing the verification. 

Best Regards, PaypaI service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX, US DEPT OF EDXXXX Company Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX