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

The transaction ( s ) in question. Did they pend before not being successfully completed and if so for how long? While they pended I had an altercation with someone I owe as a result of my money being absent at the time I needed to pay someone something. I have been assaulted as a result of the transaction ( s ) pending even though my account did not have enough funds to make the purchase. I exited out of my browser and closed the tabs relating to the creation of the transaction ( s ). Re-entered the browser and went back to the tab after closing them down completely along with the app completely. Each time I was shown the total to be money ( s ) totaling {$10.00} not {$29.00} not {$24.00} or etc. I got into altercations in which at I wasnt able to remove myself from the situation because I was pent down and having an XXXX XXXX  paired with a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body because of the unavailable cash that Cashapp made an authorization hold possible that I couldnt pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my understanding and even then I didnt know if I would wake up or not after. These transactions were made not peer to peer, but was made with their cash card. I do not have a borrow allowance and the cash balance did not reflect that to be able to cover the full price of the transaction ( s ). Cashapp says these transactions were voided, but whether they were voided or canceled by the merchant or the card company after I, the cardholder, already pleaded to have removed and returned was denied. Whilst that was still happening my injuries incurred and are still incurring. Does the company Cashapp deny that at the time of this happening that I was injured and that is because of Cashapp posting cash for these transactions in which was never supposed to be posted in any fashion or reasoning? Cashapp has evaded this question to no avail to Local and Governmental Authorities. This whole ordeal has caused me a great toll of emotional distress and pain and suffering. I want a resolution of {>= $1,000,000} for the Cost of Preventing a Fatality. {>= $1,000,000} for the Emergency Implemented Value of Cost of Averting a Fatality. {>= $1,000,000} for the Value of My Statistical Life {>= $1,000,000} as for what is satisfactory to ( me ) about this situation NON-NEGOTIABLE due upon the acknowledgment that these transactions ever pended. Whether the transaction ( s ) were voided or canceled Cashapp can not deny that the injuries that I incurred occurred because of them. Cashapp has allowed the theft of my cash whether retrieved hostilely or civically or not, the emotional state and well being of my person was injured before the cash was retrieved and that is because of Cashapp. Cashapp has to remedy that.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 2 years I have been sending letters to Equifax, XXXX and XXXX to eliminate charged off debt and late payments to theses companies and they keep this information in my credit reports they go against The Fair Credit Reporting Act of 1970 and The Fair Debt Collection Practices Act of 1977. I need your help with this so I am able to have the credit score possible to buy a new home and car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LOOKING AT MY CREDIT REPORT AND I AM APPLALED. I CANT BELIEVE YOU GUYS ARE ABLE TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THESE ACCOUNTS ON MY CREDIT REPORT DO NOT BELONG TO ME. THEY ARE FRAUDULENT ACCOUNTS THAT DO NOT BELOGN TO ME. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT.
Product: Mortgage

I started a loan modification back in XXXX XXXX, I passed my trial period and was accepted and granted the loan modification in XX/XX/XXXX, a new subordinate mortgage was created and an official agreement for the Loan Modification, with the new principal and interest totaling out to {$1000.00} till the maturity date of loan which is XXXX/XXXX/XXXX. I was relived when I received the official documents signed from Midland Mortgage for the approved Loan Modification. Every month since then I have made every monthly payment on time as per the agreement. 
On XX/XX/XXXX I started receiving robot calls from Midland in regards to saving my home from foreclosure, I disregarded it at first but after 2 days of nonstop robot calls I logged into my account just to view it, it showed I owed {$100000.00} due immediately for failure of 33 payments. I immediately called customer service, I was advised not to be alarmed that my Loan Modification was under review and my account would be righted within a couple of days. After a week I received over 20 notices in the mail that I was passed due on my mortgage and need to remedy it via a Loan Modification, Program, or Short sale. I called again, now with my account showing 11 payments behind on top of fees totaling out to {$33000.00}, I was told by Supervisor XXXX XXXX that there was an error made on behalf of Midland Mortgage  and they are reversing the loan modification and I will need to pay that dollar amount to bring my account to current to avoid foreclosure, that I could apply for another Loan Modification, and an assistance program to divide the XXXX XXXX into several payments, this amount is also including late fees, even though I have never been late on a monthly payment. They arent complying to our contract, they are breaching it, without explanation other than an error, with letters being sent out, with threats on losing my home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the best answer I can receive from Midland Mortgage is they are working on putting an explanation in writing and they understand my struggles. Now I have to hire a lawyer with funds I do not have to force Midland Mortgage to honor and comply with a Loan Modification that they approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Marked as duplicate IS A LIE EACH COMPLAINT HAS ITS OWN MERIT AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ;
Product: Checking or savings account

Capital One hasn't released a paycheck as of todays date, XX/XX/year>, that was meant to be deposited TODAY. There is no estimate or help on when it will deposit. I have bills to pay but can't because I've been over drafted, since CO is allowing withdrawals but not making deposits!!
Product: Credit card

CitiCards is not Protecting Consumers from FraudAfter exhausting all avenues with Citi and spending a ridiculous amount of my time, I am turning to CFPB to file a formal complaint against Citi for failing to protect their consumers from fraudulent and unauthorized charges to consumer credit cards. 

First, I have maintained a long-term FICO credit rating above XXXX, so I am well respected among the credit and banking industries and this is not a claim without merit. 

Secondly, I have had a CitiCard fraud-proof credit card for more than 15 years in good standing. By fraud-proof, I mean this card is supposed to be guaranteed against fraudulent and unauthorized charges. It has no magnetic strip on the back, no raised account number or letters on the front of the card, and I only use it for internet type purchases. 

History : The XXXX Report or ( XXXX XXXX or other names they go by ) fraudulently and without authorization charged my credit card number they had on file since last year for {$490.00} on XXXX/XXXX/15. 
CitiCards sent me an alert email on XXXX letting me know a large charge had just been placed. 
I contacted XXXX the very same day, XXXX/XXXX/15, asking them to remove the unauthorized charge. 
On XXXX/XXXX/15, XXXX sent an email refusing to remove the charge. 
Since then, XXXX has refused to answer phone numbers or respond to numerous email requests. 

Complaint:1. CitiCards handled this claim as a dispute vs. and unauthorized or fraudulent charge. 
2. CitiCards did not honor my request to remove the unauthorized charge and the Citi investigator incorrectly claimed there were conflicting statements, which means they either did not spend the time to read the responses in their entirety, did not feel it was worth their time, or they just misinterpreted them. 
3. There is no way to counter the Citi investigator 's response as Citi 's first level call center personnel can not acknowledge the investigator made a mistake or did not perform due-diligence in resolving this matter. They claimed it was an irreversible decision. 
4. CitiCards did not protect me from the either fraudulent or unauthorized chare on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX  Account # 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 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: Checking or savings account

My chime account was hacked email and phone number changed account empty. XXXX was stolen in XXXX transactions then Chime close my account with my disputes pending with no word or anything.
Product: Credit reporting or other personal consumer reports

Synchrony Bank XXXX XXXX My Identity was stolen and accounts where open in my name, I have tried several times to have this company look into it. But they fail to do so and say debt is validated. But its not mines. theres a whole different email address attached to that account because I did my own research 's
Product: Debt collection

Upon validation, Netcredit updated it's information with XXXX, proving the data in their computer system has been unreliable, inaccurate, and incomplete for years. The very fact, they had to update with XXXX proves their data unreliable, incomplete and inaccurate. According to the Fair Debt Collections act, items either incomplete or inaccurate may not remain on a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that an account XXXX was reporting that I was over my limit and behind on payments but I know this was not true so I filed a dispute witjh XXXX regarding this ... in fact I had to call them because I am unable to file a dispute online due to some error I receive trying to logon I have photos of the error. When I spoke with XXXX and explain to them the situation that I have 2 accounts that are simular but different in account numbers and gave that information to them. I then received the results from my dispute saying the information was not changed that it was correct so i called again and this time it was corrected a couple weeks later I checked my credit again and all the same information was back again and is still there now. I am unable to dispute anything with XXXX unless I call them during business hours which is a difficult time for me. I have also tried contacting the creditor with no results. I have another account XXXX that is in collection and they are switching the accounts back and forth to try and confuse the situation and I believe they are manipulating my report using these accounts. I am attaching photos of my account in question and other accounts regarded. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Authorize inquiries Ill check my credit report and noticed some hard inquiries on my credit report I didnt approve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was contacted by XXXX XXXX XXXX about a doctor bill I told them I wasnt seen there on that date. They said my grandson name i said he is grown XXXX and i am not responsible for his Bill 's. He moved out my house at XXXX. They put his bill on my credit report. I disputed it and they came back and said it was my debt. He is own his own and grown and I am not responsible for his bill. He has no XXXX and he is a grown working man. I am upset that this collection is on my credit when clearly I wasnt seen on this day nor was I present with him.
Product: Bank account or service

I wrote a check to a con man and I want to find that man and sue him to get my money back. The trouble is that I do not have his true identity or a location so that he can be served or arrested or anything else. 
However, in order for him to cash my check he must have had an account or must have shown valid ID. If I can find out the bank or banking entity that accepted the check when presented by the con man, I could have that entity subpoenaed or served or whatever to investigate the circumstances related to this check, which was the financial aspect of what was ultimately criminal activity. 
I asked my bank to help me at least identify the corresponding bank or banking entity that received the check, but they tell me their systems only process requests that verify that the account number is valid and that the dollar amount of the check is in the account, and they claim they have no records that would reveal what banking entity was on the check-cashing end of the process. 
It makes no sense to me that there is no tracking through the Federal Reserve check clearing system, but so far no one has been able to tell me what entity has tracking info or how I can ( via subpoena or something ) obtain it.
Product: Bank account or service

On XXXX XXXX, 2015 we made a payment of {$82.00} to XXXX XXXX XXXXOn XXXX XXXX, 2015 the Bank decided to send another payment in account of e-bill which was {$81.00} without our authorization. Neither one of the account owners made such a payment and the money was taken arbitrarily by the Bank, causing impact to our finances. 
When we called in to place a complaint, we were told that we need to wait 10 business day in order to get our money back, which we deem not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020, I filed a dispute with the Three major credit bureaus XXXX, Equifax and XXXX  about the unverified account : XXXX XXXX acct # XXXX XXXX and XXXX In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of XX/XX/2020. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a home loan and discovered a collection account from Ascendium. I had finished paying off this account through garnishment in XXXX and was told the debt was satisfied and that the negative reporting would be removed. Not only is the account still reporting but is reporting a balance with late payment history as recent as XXXX. I believe this reporting is the result of an error or oversight but am unable to find anyone within the company able or willing to address this issue.
Product: Debt collection

I have noticed different accounts that came on my credit report that do not belong ro me that are a result of fraudulent activity.
Product: Vehicle loan or lease

MY BROTHER WHO SINCE XXXX XXXX IN XXXX OF THIS YEAR AND HIM AND I PURCHASED A VEHICLE FROM XXXX XXXX XXXX DEALERSHIP IN XXXX NEW YORK ON XXXX XXXX XXXX AND THEY GOT US A LOAN FROM SANTANDER CONSUMERS USA BANK KNOWING WE LIVE ON A FIXED INCOME AND A WEEK BEFORE XXXX XXXX SALESMAN INFORMED US THAT THEY HAD A CAR FOR US IT WAS A XXXX XXXX XXXX XXXX  XXXX XXXX NOT KNOWING THAT THE VEHICLE WAS NOT ROAD WORTHY BECAUSE IT WAS IN AN ACCIDENT IN XXXX XXXX NEW YORK THEY NEVER DISCLOSED THAT INFORMATION TO US BANK WAS SO QUICK TO FINANCE US THE LOAN XXXX XXXX SALESMAN TOLD US THAT THE CAR WAS STILL AT THE AUCTION PLACE THE SALESMAN TOLD US THAT THEY HAVING REPAIRS DONE ON IT AND I ASKED WHAT REPAIRS ARE THEY DOING ON IT THE SALESMAN NEVER TOLD US WHAT KIND OF REPAIRS THE AUCTION PLACE REPAIRING ON THE CAR WHEN WENT OUT TO XXXX TO PICK THE CAR UP I WENT OUTSIDE AND THERE WAS A TEAR ON THE REAR BUMPER AND I ASKED WHAT IS THAT SO I REPAIRED IT MYSELF NOW THE BANK IS ASK ING FOR THE REST OF THE MONEY AT THE INTEREST RATE THEY THEY WANT ME TO PAY THEM NOT HAPPENING THEY NEED TO PAY ME BACK ALL THE 2 YEARS OF PAYMENT WE PAID THEM I ASK THEM IF THEY WOULD REFINANCING AND THEY TOLD ME NO THE CAR WAS TOTALED ON XXXX/XXXX/XXXX HIT FROM BEHIND AND IT 'S MY FAULT NO WAY I JUST BACK EVERY PAYMENT MADE TIGHT BACK TO ME AND SANTANDER CONSUMERS USA CAN GET THEIR MONEY BACK FROM XXXX XXXX
Product: Payday loan, title loan, or personal loan

ON  X/XX/2017    I WENT INTO INSTALOAN TO TAKE A LOAN OUT USING MY CAR. I WAS NOT TOLD THAT MY RATE WOULD BE AT 65.1994 PERCENT. I DID NOT EVEN GIVEN PAPERWORK UNTIL  X/XX/2017    REGARDING ANY INFORMATION ON MY LOAN OR RATES. I HAVE TRIED TO TALK TO THEM ABOUT IT AND THEY WILL NOT GIVE ME ANY INFORMATION AND MY PAYMENTS I HAVE MADE IS NOT EVEN HELPING MY LOAN KEEPS GOING UP. I WAS IN THE HOSPITAL WHEN PAYMENT WAS DUE I CALLED AND SPOKE WITH A MANAGER WHOM TOLD ME THAT MAKING MY PAYMENT LATE WOULD NOT HURT ME DO BEING BEING IN ICU. WHEN I WENT IN THAT IS WHEN I FOUND OUT THEY CHARGED ME MORE AND WHAT MY RATE WAS AT 65.1994 PERCENT. I DO NOT THINK THAT THIS IS LEGAL AND WOULD LIKE ANSWERS HOW TO HAVE THIS CHANGED. ALSO LIKE TO ADD THEY MADE ME BACK DATE AND SIGN PAPERWORK WHEN I WENT IN ON  X/XX/2017
Product: Money transfer, virtual currency, or money service

On the checkout page, it does not show the transaction fee until you reach the final page before confirmation, luring customers into paying a high transaction fee without knowing it.
Product: Debt collection

I received a call from a collections agency in XXXX XXXX NY area and they asked me to pay for an ambulance service back in XXXX. I have never been in an ambulance or received care at the emergency room in over 10 years.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Bank Of America the three major credit reporting agenciesXXXX XXXXXXXX, and XXXXregarding the inaccurate reporting of a late payment on my credit reports from XX/XX/year>. 

I had set up autopay for my credit card in XX/XX/year> for this card and received a confirmation following the setup, but due to a failure on the part of the credit card company, it was not activated. This resulted in a late payment in XX/XX/year>, which I was unaware of because I did not receive any paper statements or email notifications about the missed payment. 

Upon discovering the issue, I promptly contacted the credit card company on XX/XX/year> and paid the balance in full, and had any interest fees removed as it was an error on the Bank. The autopay was reset up and the Bank advised they were going to correct the late payment information sent to the credit bureaus. They sent me a letter on XX/XX/year> saying they researched the deliquency and did not find any errors. I called back in after receiving and discovered the agent who submitted it did not provide accurate info, so a representative corrected the information and resubmitted. This still has not been corrected and when I have called, I have not been provided with any additional information, Despite resolving the matter quickly, the late payment was reported to the credit bureaus, and my credit score dropped significantly as a result. 

I contacted the credit card company to dispute the late payments, but they stated that they found no error on their part and would not remove the late payments from my credit report. 

This inaccurate reporting has caused significant harm to my credit score. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy of the information they report. I believe that the late payments were reported in error and should be removed. 


Thank you for your attention to this matter.
Product: Debt collection

I have paid my largest balance of XXXX and they are refusing to give me credit for the funds that have been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number:XXXX  has violated my rights. Or 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 or other personal consumer reports

This company violated fair reporting act of 15 US C 1681 government access to consumer reports records and promoted accuracy, fairness and privacy of personal information. They have violated that because I never gave them permission to pull my credit report and then the information that they're providing even the report from you that they sent back to your company is fraud documentation I've been a victim of identity, theft and data breaches so everything in that 26 page report is fraudulent. It's fraud it's not accurate.