23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I bought and activated this card on XX/XX/year>. I had {$170.00} in cash that I received as gifts, and I could not deposit that cash to my bank account because it's an online bank. Prepaid gift cards had always been a way to remedy that until now. 

I'm simply trying to use this card to buy supplements. I tried this card on ryse.com, ekkovision, and XXXX to no avail. I can't add it to any of the pay transfer apps ( XXXX XXXX, XXXX, etc ) to be able to transfer the money off, so it renders this card useless. After speaking with support, they told me that I'd have to use another retailer. This is insane. It limits my options and forces me to go to a brick and mortar store that MAY work.

In today 's day and age, most debit and credit cards are linked to a zip code to help cut down on fraud. It should be illegal and these companies should be penalized for not figuring out a way to link your zip code to a prepaid debit card. Most online retailers need a zip code to process a payment. I've spent money for something I can't even use.

Also, it's false advertising on their website and on the packaging that the card comes in. The cardholder agreement states that " The card may be used at merchants and retailers in the United States that accepts American Express Card. '' All of the merchants I listed above take American Express. They've sold me a product I can't use, and it's ingenuine to give consumers the perception that this can be used knowing they've put restrictions in place where it can't.
Product: Checking or savings account

a loan was taken out in my husband 's name by someone and they have not allowed us to see the paperwork they have continually let hackers access to our accounts even though we did everything they asked us to do to protect the account they have repeatedly reversed provisional payments which were obviously fraudulent they did not send a cashiers check for the positive balance in our checking account they continued to subtract money which they said they would not they allowed access to our checking and savings over and over even though they new it we were having trouble with a hacker they did not monitor the accounts they closed our account with no warning and we can no longer see what they have done
Product: Mortgage

Please see attached file. Selene has advised cfpb letter dated XX/XX/2023, paragraph 4, quotes On XX/XX/2023, Selene received XXXX XXXX XXXX XXXX for Loss Mitigation assistance this is not true, I want evidence of the package for loss mitigation assistance they say Selene received on XX/XX/2023. 

My first application for assistance Selene made income error amount different than in my income form application.!!!! Replys to cfpb Selene explained no errors on their behalf, well they did I found out when replys to the bureau the bureau sent me documents and I caught their errors. 

Please review all my closed complaints, you will find all my complaints. I need help!! Investigate Selene Finance a little deeper. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing as a victim of a data breach and subsequent identity theft. I am requesting immediate action to block and delete the fraudulent accounts and inquiries listed below from my credit report, pursuant to 15 USC 1681c-2 ( a ) and Section XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ). 
XXXX Accounts : XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I am filing a complaint against cash app Block inc. due to inadequate customer service And unfair practices which violate the customer financial protection act cfpa specifically Cash Out failed to take timely and effective measures To prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore, They're dispute resolution process was unfair and deceptive, asThey did not comply with error resolution requirements Under the electronic fraud transfer act e f t a and regulations these acts have cost significant inconvenience and financial loss and I am seeking appropriate redress For those violations
Product: Mortgage

BELOW ARE XXXX COMPLAINTS THAT WE HAVE AGAINST NEW AMERICAN FUNDING, WHICH ARE : ( 1 ) XXXX ILLEGALLY HELD REFINANCED FUNDS FOR TEN DAYS, WHILE THEY CHARGED {$80.00} PER DAY FOR THE LOAN PAYMENT ; ( 2 ) TWENTY-NINE DAYS AFTER THE FUNDS WERE DISPERSED FROM OUR REFINANCED LOAN, NFA ( THROUGH XXXX ) CONTACTED OUR CREDITOR AND ILLEGALLY REQUESTED THE REFUND OF {$5700.00} WITHOUT PROVIDING ANY REASON OR WITHOUT CONTACTING OR INFORMING US. 
Here are the details of our complaints : We closed a refinance mortgage with New American Funding ( NAF ) on XXXX, 2017, which included loan consolidation of {$330000.00}. We were told that the funds of {$330000.00} would be wired to our creditors by Friday XXXX, since we did not have a " right to recind '' clause in the contract. Funds were not released, however, until I repeated called and threatened to request a Federal audit of NAF. Then after ten days the checks were reportedly sent and " lost '' and resent by NAF. 
I contacted both XXXX and XXXX ( loan representatives at NAF ) several times, but neither wanted to offer a solution to the problem of the missing funds. We were charged {$80.00} per day for funds that were not released from New American Funding ... this means that NAF charged us approximately {$800.00} before the funds were finally released. ( Note : NAF claims to close over XXXX loans each month. That number multiplied by the XXXX dollars, could constitute quite a scam every month. ) Today, XXXX 2017, I checked the balance of our XXXX, reportedly paid by NAF on XXXX in the amount of {$5700.00}. I was told that XXXX ( contracted by NAF ) requested a refund of the {$5700.00} and the funds were returned without my knowledge!!!!!!! This sounds like a scam to me. 
I am requesting a Federal Investigation of NAF and XXXX for what appears to be illegal practices : ( 1 ) charging for money that has not been released ; ( 2 ) Illegally requesting the return of funds that were paid through the refinance with no notification to us. ( 3 ) I am requesting a refund of {$800.00} for payments on our loan with NAF for funds that were not released ; ( 4 ) This may be a scam directed toward us, seniors ( over 65 years of age ). 

Thank You!!!
Product: Debt collection

Transunion removed this account off my report From XXXX XXXX XXXX XXXX And now it has been posted back on my credit report. Illegal action 'credit aging ' transunion need to remove this from my credit report and it needs to stay off my report. It has already been removed!
Product: Mortgage

The loan started with XXXX Account # XXXX This Loan was transferred to CiTi Mortgage Account # XXXX Now it is XXXX  account # XXXX We wrote a letter to your agency in XXXX due to the fact that CiTi Mortgage changed this mortgage in XXXX when they received it from XXXX. We did receive any results from this complaint so could you please submit this as a new complaint. Again we are providing proof of a letter from the Title Company in  which we closed this loan reporting that there is no Balloon Mortgage on file. In XXXX I visited the title company regarding another matter and the title company employee remember the closings from the builder of the properties and she pulled up the enclosed Amortization Schedule which shows that CiTi Mortgage not only change the loan the change the interest rate and payments lowering the payments by two dollars so that they could collect thousands. When we provided this information to CiTi mortgage nothing has change they continue to bill us has this is a Balloon Mortgage. Providing us with documents that we have no knowledge of where they came from. Now they are transferring this mortgage to another mortgage lender so they can erase all the past request to fix this mortgage. Attached is the following : The letter from XXXX, on XXXX XXXX, reporting that the terms and conditions of the loan would not change. On XX/XX/XXXX, CiTi Mortgage made the changes to our account which we viewed on line. B. A letter from XXXX XXXX reporting that there is no balloon mortgage on file. C. The correct Amortization Schedule that was received from XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to officially dispute certain items in my consumer report, which were reported without my prior written consent. This matter is brought to your attention in accordance with the provisions outlined in 15 USC 1681b, which are designed to protect consumer privacy.

I have already filed a report with the Federal Trade Commission ( FTC ) concerning the unauthorized reporting of my personal information, which I believe amounts to identity theft. The FTC has provided me with a reference number for this report, which is [ XXXX ]. 

Per 15 USC 1681c-2, it is mandatory for consumer reporting agencies to promptly block the reporting of any information in a consumer 's file that the consumer identifies as stemming from alleged identity theft. I kindly request that you adhere to this legal requirement and expeditiously remove the following accounts from my consumer report : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize inquiries from the company. Credit bureaus ignored my prior request to have them removed. Credit Bureau ignored investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/XXXX ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

To Whom it May Concern, I am trying to close out a savings account with BB & T Bank ( Now Truist Bank ) I submitted my request by mail about 3 weeks ago. I received a letter back from Truist bank advising me to call Customer Service to update my new mailing address.

After calling CS I was advised that I needed to go to a branch to update my address. 
I went to the Truist Bank in XXXX GA, and was told me that I needed to make an appointment after waiting almost 90 minutes. 
I made an appointment at the XXXX GA branch since XXXX had nothing available for almost 4 days. 
I went to my appointment at the XXXX location on XX/XX/XXXX and to my dismay they only had 2 tellers, and 1 person assisting customers with appointments. My appointment was scheduled for XXXX and there were people still waiting for their appointment prior to me. I was on my lunch break an was unable to wait after waiting an hour. 
its absolutely absurd that I am unable to get help with this issue and keep getting shuffled around by everyone that is supposed to be helping me. 


Old Address : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX New Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these two account for about a year with no success. I have sent supporting documents and get the same results. The furnisher has not been reporting accurate information. The credit bureaus have not verified the furnishers reporting base on the documents I sent. Also the account history has been modified. The first delinquency date has been changed which is against the law. The furnisher of the data is XXXX XXXX XXXX.Account number XXXX and XXXX One of the Credit Bureaus XXXX has deleted account XXXX due to the age of the account. according to the law you must report 100 % accurate information. The balance is inaccurate and the history is inaccurate the first reporting date is inaccurate the account is close this not a new account which the furnisher reports as new. The credit bureaus response this account has been verified as accurate how when the the history and my supporting document clearly show discrepancies. The credit bureau must verify all information before publishing This has hurt my credit standing please investigate
Product: Mortgage

Good Morning, I need help, please. On XX/XX/XXXX, I received a letter in the mail from Freedom Mortgage stating I qualified for the Covid-19 Loan Modification. On XX/XX/XXXX I signed the form and sent it to the Loss Mitigation department as requested, On XX/XX/2021, I was sent another Covid-19 Loan Modification notifying the first one, which I did not know that until I made a phone call to get an update on the status, during this time I was still making partial payments to try to keep from going into foreclosure, the customer care rep. stated that I should continue to make the payments and that the Covid-19 Loss Modification was approved I should receive something in the mail by XX/XX/XXXX it never came. I called Freedom Mortgage spoke to XXXX. XXXX said everything was approved and to make the XXXX payment of XXXX which is the modified loan payment, however, I have not received anything in writing if I make the XXXX payment it will go towards the exiting loan. Here is XX/XX/XXXX and I still have not received anything from them nor has the loan been updated. I was told not to make any more payments towards the old loan. If I stop making the payment it will seem that I am abandoning the loan which is not the case, then they will be able to foreclose on the house once everything is lifted. I have had close communications with Freedom Mortgage, but it seems they are not working in my favor. I don't know who to speak to or where to go. I honestly believe they are trying to foreclose on the house. Can someone please tell me what to do? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint before about this company since they have failed to provide proper validation of a said debt. Now after disputing, they have changed the account balance from {$840.00} to {$84000.00}! This is absolutely absurd that a company thinks they can get away with this. A lawyer is next. I will not stand to be treated so unfairly.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX  ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Debt collection

In XXXX I was going through a bad XXXX  and was unable to receive any mail for a debt that this credit company said I owed, they ended up suing me and I didnt even know about it, I contacted the landlord/property management and they refused to give me any info. I couldnt afford a attorney to research it and now 7 years later they are trying to garnish my paycheck for double the amount they were originally suing me for, again I have not received any letter or info before garnishing me
Product: Mortgage

I would like clarification on the rules governing escrow funds being held and analized by a mortgage company. I recently built a new home. This is my XXXX new home build so I am aware that sometimes the tax assessors office will not have up to date information with the improved value of the home and will only show the land value. In the past I have called the bank after receiving a new escrow analysis in the mail and advised them of this and they would adjust my escrow back up to where it should be. I called this time and they said they could not do it. As someone who used to work at processing foreclosures I saw too many people go into foreclosure because of this very same issue and them not understanding the problem. The mortgage company said they could only take the current tax value assesment due to the RESPA regulations. Is this correct? If so this does not protect consumers in any way. In fact will hurt those who do n't completely understand the escrow portion of their payment.
Product: Checking or savings account

Between XX/XX/2019 and XX/XX/2019 my checking account was embezzled of {$49000.00} this was in two months.Strongly believe there might be more fraudulent activity in my account.My XX/XX/2019 statement was swindle out of $ XXXX XX/XX/2019 I was taken for {$24000.00}
Product: Debt collection

On XX/XX/2022, I checked my credit report for the first time and found XXXX negative collection debts totaling close to $ XXXX. All of the collections come from XXXX and Convergent Outsourcing, and they are from what seems to be utility companies or being affected by natural disasters or declared disasters in TEXAS. My credit report shows all the collections linked to XXXX Texas Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Texas XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, Texas XXXX I contacted the three credit report agencies to dispute the collections as identity theft, and so they could remove the texas addresses, they said all collections were linked to the texas addresses and that someone was using my identity because I have never been or even lived in Texas. I live in California. The credit companies could not remove the collections until I prove I did not open them by contacting Convergent and XXXX, but when I talk to those companies, after hours of going back and forth, they hang up on me. I feel frustrated. I will file a police report tomorrow morning.
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. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and updated for erroneous reporting in my file and are listed on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On XX/XX/XXXX, a large transaction in the amount of {$920.00} was debited from my checking account, made payable to the Department of Education. Previous monthly debits, for this company, were in the amount of {$75.00}. I immediately called Student Services, the company that had reached out to me in XX/XX/XXXX, offering to lower my student loan payments and get part of the loans forgiven under the guise of the Obama Student Loan Forgiveness Program. After hours of calling numerous customer care numbers, I still only had a recording answering my calls and no one had called me back. Finally, I called XXXX, the original owner of my federal student loans. When I mentioned the name " Student Services '', the representative paused, then carefully explained to me that " Student Services '' was a fake and I 'd been defrauded. I stayed on the line with XXXX for over an hour then called my bank, whom had already closed. The next day, I visited my bank regarding the fraudulent transactions and proceeded to the police department to file a complaint against Student Services.