23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX financial loss, and I seek appropriate redress for those violations.
Product: Credit card or prepaid card

So I had a credit card purchase denied today on a Citibank branded credit card. I logged onto my citibank account and saw all of my credit cards and my wife 's credit cards closed. In addition XXXX citi thank you points, {$710.00} in cashback ( and based on the credit cards terms I should have a bunch more they just posted ) {$200.00} in cahsback, and another XXXX in citi thank you points were gone from my account. I received no email or letter regarding this. 

I called citibank and the representative confirmed my accounts were shut by the bank, they claimed an email was sent on XX/XX/XXXX ( it was not, I have nothing in my inbox or my trash and the representative confirmed my email is on file ). He also claimed i am losing all of my points and cashback, and said he can't discuss this over the phone and didn't give me another options saying possibly a letter will come in the mail and maybe I can respond there. Regardless on the citibank website it told me to call the number I called, so it seems they are giving me a runaround. 

I would definitely like to get my points and cashback, like to know why they shut all my accounts and if possible get it reinstated. 

Thank you
Product: Debt collection

I see that Marcus Goldman Sachs still shows on my credit report as owed {$7600.00}, last updated XX/XX/2023. This debt was transferred to XXXX in XXXX. I have made XXXX payments to XXXX, which they have not credited through credit bureaus at all. My current balance should be {$6100.00}, but its not reflecting on my credit report, and XXXX should be removed, as the debt has been sold to XXXX. This is affecting my credit rating ( went down XXXX points today ), and XXXX says it wont be updated until XX/XX/XXXX. I do not trust XXXX at all. And I have disputed XXXX  with the credit bureau, as that account needs to be transferred to XXXX  and my {$1500.00} is off in limbo somewhere. Very disappointed
Product: Debt collection

I have only had XXXX XXXX, XXXX and XXXX XXXX XXXX . I had XXXX XXXX   since the XXXX 's. Then switched to XXXX XXXX XXXX when I moved to XXXX XXXX   in XXXX, I moved back to XXXX in XXXX and started with XXXX then back to XXXX XXXX XXXX. I was checking out my Credit report a few years ago and noticed there was a bunch of addresses, phone numbers, names, inquiries, & debts. I clicked on all the stuff that wasn't mine like XXXX. Time past, I forgot about it. I was able to get a free credit look through different places. I called XXXX and disputed a bunch of stuff. Nothing got removed. I would keep getting people from the XXXX. I called XXXX. I gave them my SSN, the agent said the name and address was not under XXXX or the address he gave me was not mine. I called XXXX  again, and spoke with someone who managed to get some stuff off. The XXXX finally was gone. about 6 months ago I noticed there was inquires that was not mine. I called and spoke with someone who spoke English. She got rid of all the stuff that was not mine. then a few months later a new debt was there. It seemed that XXXX XXXX bought XXXX and now they reported it. I dug through all my bank statements. I was able to go as far back as XXXX. I highlighted my XXXX XXXX XXXX payments. I told them that I couldn't have lived in two places at the same time and have two different phone bills. It didn't make sense. Even with the proof, I called XXXX XXXX, they had not go one call from XXXX  to check if that account belonged to me. They said they would have a record. I mailed the same proof to XXXX XXXX  to dispute this. They say send supporting evidence, and I do and they still will not remove this. If you look at my credit, it was good then you can see where XXXX came out of nowhere. The XXXX dropped off and now it's like they found a loophole to keep putting a debt back on a credit report after statues of Limitations. This sounds illegal. It's not even mine. I don't know what else to do. The police can't do anything except make a report. My wallet was stolen at the beach at one time. I don't remember when exactly. I lost my passport many years ago. I reported this all.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. I received a copy of my credit report. I notice you are reporting this account incorrectly. This collection account is not only as OPEN, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Checking or savings account

I had several emails asking for proof of deposits from another bank and verify my identity from chime XXXX. When I called customer service they said do not answer that it is a scam we do not have anything called XXXX. This was not true it was XXXX wanting information and to verify my account. I do not know what suspicious activity they have Frozen my account because of I can not talk to anyone that has anything to do with this only customer service it says you'll have to wait we don't know anything and there's nobody you can talk to they only email. I am now Frozen out of a bank account with {$370.00} in it and a savings account with {$3800.00} in it it has been 3 weeks no one can tell me anything they just keep sending asking for more information or the same information to be sent over and over again.
Product: Debt collection

On XX/XX/year> Mildland Credit Management received an account from XXXX XXXX  which was wrongfully sold to them without my consent. The amount is {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX letters on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX XXXX XXXX regarding Acct # XXXX and which they have violated The Cares Act by that they are not to report late payments to the credit reporting agencies during that time and I was positive for cover at the time. Its not supposed to reflect on my credit report and therefore must be updated to actively reflect a clean positive payments history. NO XXXX day late payment on XX/XX/XXXX which is current and consistent with The Cares Act. XXXX XXXX XXXX sends a letter saying they can't show favoritism and remove the XXXX day late pay? Is XXXX XXXX XXXX aware that they are violating laws? 
Thank You, XXXX XXXX
Product: Debt collection

You are reporting inaccurate accounts on my credit report. I'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! Start the investigation on these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These XXXX XXXX XXXX XXXX, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my Equifax report and on my XXXX report. Both are violations of my rights. THIS DISPUTE HAS TAKEN LONGER THAN 30 DAYS!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous credit cards listed on my report that I have no knowledge of. This was a result of malpractice or an error.
Product: Credit reporting or other personal consumer reports

I did not authorize ADVANTAGE CREDIT , INC to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XX/XX/XXXX WELLS FARGO BANK NA add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Money transfer, virtual currency, or money service

I am filling 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 redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  ACCT # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I am trying to originate a mortgage with a separate bank from the one this complaint is regarding. The mortgage origination bank said there is an active dispute with Citi bank that needs to be resolved before origination can proceed. 

I spoke with 9 people at Citi bank, 3 said I had no active disputes and 3 said I did have an active dispute. I spoke with 2 managers - the last one hung up on me. 

There appears to be a systemic issue with Citi Bank 's dispute resolution and credit reporting practices. 

I am close to incurring consumer financial harm by not being able to timely get a mortgage due to a 4 month old dispute that Citi handled incorrectly. 

This should be a MRIA ( " Matter Requiring Immediate Attention '' ) - Citi clearly does not have an internal process to manage these types of consumer credit customer challenges.
Product: Credit card or prepaid card

A charge was made on XXXX XXXX XXXX for XXXX of which we have a disputed. The merchant advised that the case was lost and we should have received a refund its been weeks. Capital one has not giving us our money and every time I call its a different excuse. The last one is that the case was still open when its not. This is a closed account and Im requesting that they issue us a check for the amount that they owe us.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies did not have permission to request my credit report from XXXX, XXXX, and Equifax XXXX XXXX  - Miscellaneous Finance, Date : XX/XX/XXXX XXXXXXXX XXXX  - XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX - Bank Credit Cards XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX - Credit Bureaus/Mortgage Processing XXXX XXXX XXXX XX/XX/XXXX XXXX DATA - Mortgage Companies - XXXX XXXX, Date : XX/XX/XXXX XXXXXXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX - Mortgage Companies - Finance, Date : XX/XX/XXXX XXXX XXXX  - Credit Bureaus/Mortgage Processing, Date : XX/XX/XXXX XXXX XXXX - Mortgage Companies - XXXX XXXX Date : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My XXXX loans used to be serviced by XXXX. In XXXX of 2023, I was informed the loans would be transferred to XXXX. And indeed they were transferred and my XXXX account shows a balance of {$0.00} and a payment in full on XX/XX/2023. Since this time, XXXX has been servicing my loans with no issue. 

However, XXXX continues to report all of loans to TransUnion credit report. I have disputed the issue twice with XXXX and twice to TransUnion. As a result, my credit report shows a nearly double student loan balance ( because XXXX rightfully reports their balance but XXXX continues to report a balance owed on all of the loans despite the transfer, full payment, XXXX balance ).
Product: Mortgage

My loan number is XXXX with USBANK. Im filing a complaint because my loan modification was turned down due to obligations in excess of 31 % of my income. I asked them to take into account that if I got my house back I would no longer have to pay rent and utilities. They compiled their numbers using a mortgage payment and my rent payment. My rent payment would go away. 

Im also asking you to investigate possible predatory lending situation. I only owe XXXX on my mortgage yet my house is worth XXXX. There is XXXX in value there. They dont want to approve my modification because they know they will get all of their money back out of my house. If I was severely upside down on my mortgage Im sure I would have been handled differently. If they knew they were going to lose a lot of money on the foreclosure. 

Im asking for some type of help because I was hired at a job then let go because of some serious medical conditions. I was unemployed for about a year while I dealt with these medical conditions. I am happy to report that my medical condition is being managed now with the help of many doctors. I found a new job in XXXX. I am more than capable of handling the mortgage at this point. 

Please help me to save my home against these sharks called USBANK. Thank you
Product: Credit reporting or other personal consumer reports

Evrything tarted back on XXXX XXXX XXXX I had decided to open a saving account with XXXXXXXX XXXX on line yes they were many popupd so I activaded the adblocked and a XXXX screen came up on my computer quicly compuyrt comprimised and I Disconected it and then after XXXX minutes turned the pc on and it worked normally after XXXX minutes it came back again and large blue screen I was doing something and my account from XXXX XXXX was comprimised that day I called geeks on site to remove the blue screen they did and when the computer came back it was on XXXX XXXX on line account the balance read XXXXXXXX XXXX I lost that day XXXX I had to pay the card up and asked XXXX XXXX to XXXX report once it got payed up and they did but some time later XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never had any account with these creditors as i know as there intrest rate and services are bad news
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file is listed on my credit report : XXXX  XXXX XXXX Late Date XXXX
Product: Credit reporting or other personal consumer reports

Disputed Incorrect items in report and keep getting stall letters
Product: Mortgage

On Tuesday, XX/XX/XXXX, I received an email from the title team who has been attempting to get an accurate payoff amount so that I may sale my house. The email contained a letter from the attorneys for Select Portfolio Servicing which stated the payoff amount as {$160000.00}, almost {$60000.00} more than what Select Portfolio Servicing has indicated in previous payoffs. It appears that the attorneys are not communicating with Select Portfolio and this information has caused me to lose out on a potential buyer for my home ( he cancelled the sell on XX/XX/XXXX due to the constant delays from the attorneys of Select Portfolio Servicing ). I contacted Select Portfolio on XX/XX/XXXX, about this discrepancy and the individual I spoke with stated that he did not understand why the attorneys would send that payoff amount and he would send me a corrected payoff amount within 10 days, however, whatever payoff amount I receive from Select Portfolio will be declined by the attorneys representing them and this makes it difficult for me to sell my home.
Product: Mortgage

My mortgage was transferred to Shellpoint Servicing starting on XX/XX/2021. 
My Loan Number is XXXX First Problem : On XX/XX/XXXX they conducted a Escrow Analysis and there was a surplus of {$1400.00}. That amount was deducted from my escrow account on XX/XX/2021. The escrow analysis statement indicating the that there was a surplus is dated XX/XX/2021. I was told by two representatives that the check was mailed out same day. I don't believe that to be true as it is unlikely they would mail a check the same day as the escrow analysis. Today is XX/XX/2021 and as of yet I have not received the surplus check. Tomorrow is 29 days since the account was analyzed and the surplus amount was deducted from account. Included is the monthly statement.

Problem Number 2 : As of yet this account is not being reported to the credit bureaus. We are 70 days into this. I see this is an ongoing issue with Shellpoint.

Problem number 3 : Shellpoint seems to be slow at things that benefit the consumer aleast they are very fast at things that benefit them. Within 30 days of being transferred I received a letter stating they did not have the HOA required insurance for the common area and they would be force placing the insurance the HOA is required to have. This would mean I am buying insurance for my neighbors house as well as the common area. I have since submitted the required documentation and we are all squared away but how is this practice legal especially in California?
Product: Mortgage

We had a loss of income in XXXX and tried to get a loan modification from XXXX XXXX loans. During the modification process the investor ( XXXX  XXXX  ) sold the loan to XXXX  XXXX XXXX for servicing. We then started the modification process with them. In XXXX XXXX loan was identified and flagged as part of Department of Justice settlement with XXXX  XXXX XXXX at a XXXX event. We continued the to submit documentation. While in waiting for settlement documentation from the Department of Justice. On XX/XX/XXXX XXXX  XXXX XXXX notified us that Select Portfolio Servicing was now Servicing the note. XXXX XXXX moved our loan again. Sps stated they did not have to honor the Department of Justice settlement or work with XXXX. Started modification with SPS. They began foreclosure process under XXXX  XXXX XXXX on documents with SPS lawyers. Stating they did not have to refile.we now have submitted rma documents for a modification on XX/XX/XXXX since making homes affordable no longer exist?
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed a account that is the result of fraud I contacted the creditor and asked to verify this account and it wasnt done I also requested a block of this information from my credit report from XXXX XXXX and Experian per fcra subsection b and 15 usc 1681 c2 and I never received a response back for this request Please block this account immediately XXXX  # XXXX Amount {$2000.00}
Product: Student loan

Nelnet, my loan servicer, has been actively preventing my payments from going through the way I want them to. I have had special standing instructions for my auto-debit to apply all extra funds to the loan with the highest interest rate, but this is the second time they 've been " misplaced '' after my payment goes through. I have no way of viewing these instructions or verifying that they 're being followed until way after I make my payment without calling Nelnet. Access to the proper information is buried way too deeply on the site. They keep using their own way of applying funds where they " catch up '' my lower interest loans to where my higher interest one is in my payment schedule, then I have to spend about 1-2 hours every single month correcting the problem with them. Their website does not show any of this information.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.despite my submissions, Equifax consistantly responds within 24hrs stating the account is accurate, without proving any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C - 1681, which mandates a reasonable investigation of disputes.Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 553 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the ( CFPB 's recent administrative proceedings ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Last week I received a Wells Fargo Debt card. Yesterday I got the pin for the card. 
Problem is I don't even have a Wells Fargo account. 
Just saw on the news there might be sanctions against them because they creating accounts that aren't there. 
XXXX tried to call them but they said we don't do this and then got hung up on ....
Product: Student loan

I had a due date of XX/XX/2025 for the payment on my student loans. I logged into my account to make a payment at XXXX AM on XX/XX/2025 to submit the payment and found that the loan service had charged me a late fee of {$100.00}. I had to make the payment with the late fee because I can not get a hold of the loan service due to their call centers being faulty. I tried twice to get through to the loan service, and the robot on the call does not accept the prompts selected and keeps repeating it self to select a prompt.