23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, CashApp received requests for 16 transactions to a " chat.versailles '' -- a merchant unknown to me at the time. ( I have since discovered through internet search this is a well known fraudulent merchant. ) These transactions were authorized by CashApp despite the suspect nature of 15 transactions in the precise same amount, from the same unknown merchant being charged in just 30 minutes -- following an initial probing charge. This pattern follows classic account draining patterns and does not represent my usual spending habits.

I alerted CashApp to these fraudulent transactions shortly after they were authorized and prior to their settlement. I begged CashApp not to enable the theft of my funds, but CashApp refused to heed my timely warning or to escalate my case to their anti-fraud department. 

CashApp refused further communication until those transactions settled and my funds were successfully stolen by criminals. Upon successful theft, CashApp informed me that they'd only return the funds if I agreed to close the card... but that they would not send a replacement to me while I traveled abroad. 

I do not believe that CashApp ( actually, XXXX XXXX  ) meets their legal obligations as a fiduciary when, despite my pleading to stop an obvious attack they allow my funds to be stolen and then refuse to assist me with my victimization unless I agree to be stranded while traveling. 

I believe that CashApp is purposefully enabling thefts such as this to harvest fees on the fraudulent transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the 611 of the Fair credit act. This states that anything deleted and then re-inserted on my credit report needs to be followed by a 5 day notice from the credit bureau. I was a victim of this an issue that occurred with TransUnion. Basically I my inquiries were deleted from my account and then they were added back to my account without any notification. By law I need to be within notified 5 days mail. I did not receive any notification. I am a victim of this issue. I called the Transunion customer support on XX/XX/XXXX and informed them that they need to remove inquiries below, in order to conform to Section 611 Victims. Inquiries in question are below : -- -Inquiry details -- - XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX   XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted every creditor and notified them of bankruptcy filing, i noticed my PayPal credit card was not reporting as included in bankruptcy filing. I called they stated it would be updated it was not updated, i submitted a dispute with XXXX and XXXX said the company indicated that was wrong. This card is included in my bankruptcy filing and should reflect as such not reflecting a delinquent balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cling to sending plentiful sets of letters to Equifax so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let these fraudulent accounts distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please DELETE the accounts ASAP : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2020, I attempted to call Debt Recovery Solutions and verify a debt that this company placed on all three of the credit reports ( XXXX, XXXX, and XXXX. ) They placed this debt without making contact with me first. I called them and they tried to phish my social security number which was already absurd. They shouldn't have this kind of information as a debt collector. I finally settled with the last 4 of my SSN to prove my identity. They told me what my debt was and I told them I needed verification and they said ok they would send it through mail. It has been over 3 weeks with no sign of the verification. I know for a fact that they have no connection to the original creditor so there is no question that this is a not a legitimate debt. You can also see all the negative reviews the company receives and from my personal conversation with him. You can not just post bogus debts and expect people to pay you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX was paid in full. I provided that information to XXXX, XXXX  and XXXX. The information on my credit report still reports that I have an outstanding balance and use 165 % of credit for that account. I need the account repaired! That error has kept me from making a major purchase. 

On XX/XX/XXXX I reported the sale of my XXXX XXXX to XXXX, XXXX, and XXXX. To date the Westlake Financial account has not been updated to reflect said sale. 

The unfair credit reporting practices has caused hardship on me and my family. We do not have transportation because I can not secure an auto loan based on the information inaccurately reported in a timely manor. 

Attached is the proof that I paid off XXXX XXXX  and paid off Westlake Financial. Can someone help me fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion in XXXX of 2021 regarding the account XXXX being added to my credit file without notification. I was not contacted by XXXX with regards to this collection. I also contacted Trans Union with regards to the past due balance in the amount of {$440.00} listed on this collection account. A collection is by definition is past due. So how can you list a past due amount? Credit Bureaus are required to report only accurate information. Trans Union is clearly reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Checking or savings account

Bank allowed fraudulent transactions repeatedly beyond limits of accounts and credit card limits repeatedly causing my losses of XXXX and refuses to accept responsibility for the financial losses
Product: Money transfer, virtual currency, or money service

I was subletting my house for summer so I posted it on XXXX and then a scammer texted me to take the house then afterwards their FB account was closed and they texted me as I had given them my phone number. So they text message me to secure a place at my house and then they emailed me a check of {$2500.00} and I replied them I can not upload it as it was above my daily limit so they sent me another check of {$1900.00} and asked me to deposit it. Then they asked me to send the extra money back and hence I XXXX  them {$510.00} dollars at a XXXX account named XXXX XXXX and his email was XXXX on XXXX XXXX, 2024 and asked me for a screenshot. I did the same and sent the money then afterwards when I realised it was a scam I told my bank about the check they checked and told me it was fake check. But now they have closed my bank account and they will send me my funds back but I can not open another account with them. What can I do now as I am an international XXXX in USA. Please help me get my funds back and help resolve the issue with Bank of America. 
Also I have some emails to share about the spammer- XXXX and email I got check from was - XXXX. 
Tha spammer phone number is - XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/23 I purchased laminate flooring which had to be ordered from XXXX XXXX XXXX XXXX  The flooring was never ordered because XXXXXXXX XXXX was never paid by the credit card company XXXX. So I never received the product. Chase my credit card company credited my card for both charges, but then one month later they put the charges back on. They claimed I received the flooring. I asked what channels did they go through to come to this conclusion and they said they called XXXX. Well XXXX  the credit card company on XXXX side would not know this. XXXX  never paid XXXX XXXX. There is no record. All that chase did was show me a charge slip, nothing more. This multibillion dollar company is supposed to protect me against fraud and has done nothing but charge me interest on this fraudulent activity. I have found numerous newspaper articles from around the states and lawsuits with similar stories. Something must me done!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXXXXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Mortgage

To : Consumer Financial Protection Bureau From : XXXX XXXX XXXX Date : XX/XX/XXXX My mortgage was previously serviced by XXXX XXXX. My loan was sold to Nationstar Mortgage in XX/XX/XXXX.  This is an official complaint against Mr. Cooper ( formerly known as Nationstar Mortgage ). 

As a resident of XXXX XXXX County, Maryland, I applied for the annual property tax afforded to those of certain income brackets in the county. Every year, since I purchased my home in XXXX, I have applied for the Homeowners Property Tax Credit and it has been granted. Homeowner 's Property Tax Credit is for homeowners who qualify on the basis of household income. I meet the criteria. 

Since Mr. Cooper started serving my loan in XX/XX/XXXX, they have refused to acknowledge the awarded Homeowners Property Tax Credit tax credit. XXXX XXXX County awards the Homeowners Tax Credit and then reissues the tax bill after the tax credit has been applied. When the Homeowners Property Tax Credit is awarded, I have send a copy of my adjusted tax bill (  received from XXXX XXXX XXXXounty, Department of Assessments and  Taxation ). The adjusted tax bill provides a line item for the property tax credit. The purposed of the Homeowners Property Tax Credit is to reduce the property taxes of residents by income. What is the purpose of getting the tax reduction if the mortgage company refuses to apply it to my Escrow Account. Each time I call Mr.  Cooper, I am told that my taxes went up so thats why I dont see the Homeowners Property Tax Credit on my Escrow Analysis or they instruct me to apply for the Homeowners Property Tax Credit. The Escrow Analysis from Mr. Cooper will show payment for the County Tax, Homeowners ( Hazard SFR ) but never the Homeowners Property Tax Credit. The credit could be as high as {$1500.00} so where is the money being applied? Where is the money? For the record I also receive an annual Homestead Tax Credit ( which I apply for each year ), but it has NOTHING to do with the Homeowners Property Tax Credit.

Because of the lack of competence by Mr. Cooper regarding this matter, my mortgage keeps increasing because Mr. Coopers analysis shows a consistent short fall in my Escrow Account and that should not be. I have asked for a full audit and have yet to receive one. It is my right as a consumer to ask for an receive a full audit of my Account and my Escrow Account. 

I am XXXX and on fixed income. I have enough against me as it is without Mr. Cooper stealing from me. I can not afford to have my mortgage going up and down like a roller coaster. This level of incompetence is unacceptable on so many levels. I am requesting the Consumer Financial Protection Bureau conduct a full investigation to determine where Mr. Cooper has failed me and that determine restitution due me. I have reviewed other complaints against Mr. Cooper filed on your site and they should not be allowed to continue to take advantage of consumers as they have in the past. I implore you to do something. I thank you for any assistance to could give me. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am writing to you in regard to the fraudulent accounts listed on my credit report. Upon reviewing my credit report, I was shocked to discover the presence of these unauthorized accounts, which have undoubtedly tarnished my creditworthiness and compromised my financial integrity. XXXX XXXX XXXX XXXX XXXXXX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE AWARE THAT THE DISPUTED ACCOUNT REFERENCED IN THE ATTACHMENT ARE CLOSED ACCOUNTS WHICH HAS BEEN PAID FOR IN FULL DUE TO A SETTLEMENT. THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SUPPORTING THAT CLAIM.
Product: Student loan

DEPT OF ED / NELNET Account # XXXX 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: Consumer Loan

I had a account with Honda Financial that was paid off in XXXX of this year. Apparently there were additional amounts owed on the loan from previous late fees. My automatic payment went out for the last payment and cleared. By the time that I was able to cover the extra $ XXXX in old late fees my payment posted 3 days over the 30 day limit. They reported TWO 30 day lates that are showing on my credit and it has made it impossible to close escrow on the house that we have in escrow to buy. 
This effected our XXXX by 60+ points and is totally unfair! They have refused to do anything about this and I am hoping that you can help. 
Thank you, XXXX
Product: Prepaid card

On XX/XX/year> Direct Express via Comerica Bank blocked my previous verified email address following me updating my address for replacement benefit card. Direct express required me to provide a copy of my identification card via their fraud identification department email in order to unblock my account and permit me online access of which I required immediate access to. I complied with their unwarranted request providing them a copy of my Florida state ISSUED ID BOTH FRONT AND. BACK. DIRECT EXPRESS RESPONDED ON XX/XX/year> THAT MY ACCOUNT ACCESS REMAINED DENIED DUE TO ME SENDING A EXPIRED ID. MY IDENTIFICATION CARD WAS FACTUALLY VALID AND CLEARLY VERIFIABLE IN THE EMAIL.ORIGINALLY SENT. I AGAIN RESENT MY IDENTIFICATION CARD WITH A COPY OF MY SOCIAL SECURITY CARD FRONT AND BACK. SEVERAL HOURS LATER, DIRECT EXPRESS RESPONED THEY WERE DENYING MY SECOND VERIFIABLE IDENTIFICATION CARD AND SOCIAL SECURITY CARD AND CONTINUED TO BLOCK ME FROM MY ACCOUNT ACCESS STATING MY IDENTIFICATION WAS EXPIRED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX  day late payment reporting on all of my XXXX accounts for XXXX of XXXX although I was current for XX/XX/XXXX. I contacted XXXX and the issue wasn't resolved. I filed a dispute with Equifax via certified letter with return of receipt asking for verification of the late payment. XXXX XXXX stamped the receipt XX/XX/XXXX. I was mailed the dispute results that were completed XX/XX/XXXX reporting accurate and updated with no verification of the late payments. I contacted equifax and asked for the verification and they stated XXXX didn't send it and that they will not bring the late payment to current although they do not have verification of the late payment.
Product: Credit card or prepaid card

I have had a personal credit card with Citibank since XXXX. Starting in XXXX Citibank has decreased my credit limit-a total of THREE times-despite the fact that I made my monthly payments. I had my credit limit decreased TWICE in XXXX months : on XX/XX/XXXX and again on XX/XX/XXXX despite the fact that I made all required monthly payments. 

I have called and written to Citibank. When I spoke to Citibank they lied and said that part of the reason why my credit limit was decreased was because according to XXXX I was underpaying my monthly payments on other credit cards. This is a lie. During the same conversation, the same operation acknowledged that I had a " Good performance review with Citibank. '' I subsequently contacted XXXX and spoke to an operator who said that my account " Is clean '' and that " There is no negative information, no late payments '' reported to XXXX. 

Citibank has caused my credit score to go down by repeatedly lowering my limit. Every time Citibank lowers my credit score they disrupt my credit utilization ratio. Citibank has therefore caused me damage.

Citibank has violated the Fair Credit Reporting Act by failing to send me written letters informing me of their decision and explaining why. Citibank has failed to respond to my written letter. Why after 20 plus years did Citibank start to monitor my account and begin to regularly check with the credit bureaus about me? Because of discrimination. Citibank has violated my rights by discriminating against me based on gender and race.
Product: Checking or savings account

Hi my name is XXXX XXXX I opened up a new bank account to get my tax refunded in my citi bank checking account.i tried to make a transaction last week and they BLOCKED MY WHOLE ACCOUNT WITH MY TAX REFUND IN THERE! THEY DIDNT GET ME A EXPLANATION WHY AND IM A SINGLE DAD. THIS IS VIOLATING MY RIGHTS AS A CONSUMER.I NEED MY ACCOUNT UNBLOCKED IMMEDIATELY TO ACCESS MY FUNDS SO I CAN NEVR BANK WITH THEM AGAIN. 

MY FINANCIAL LAWYER NUMBER IS XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

11 yrs ago. I purchased a house under XXXX XXXX bank. They offered me XXXX loan ( line of credit ). They did n't disclosed me the line of credit of 20 % loan is interest only locked in for 10 years. I had tried refince the loan several times but no avail. So I ended up paying interest only last 10 years by automatic withdraw from my bank Amount of XXXX of principle of XXXX. Since it was automatic withdraw from my account I was not able to pay additional lum sum pay toward my principle After 10 years the bank initiated me to offer refinance at 6.19 % 30years loan. My complaine is why I was not able to refince the loan during last 10 years and ended up paying half of the principle amount of loan and bank is now offering loan at the higher rate? 
Here is my calculations Principle loan : {$100000.00} Interest only last 10 years paid XXXX. 
Now 30 yrs loan At 6.19 % will End up paying {$230000.00} plus {$50000.00} already 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.

Closed Accounts : Delete from Credit Report XXXX - XXXX. has violated my rights. 
XXXX XXXX  - 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: Debt collection

The company of XXXX XXXX continues to excessively contact me via phone calls, emails and text message. They communicate with me daily to collect a XXXX $ debt that I simply can not pay right now due to multiple factors. They reach out to me excessively, daily. I looked on their websites for ways I could resolve it but the only option is to pay in full which I am not able to currently do.
Product: Debt collection

My ex husband opened an account in my name at XXXX XXXX. He paid it off but XXXX turned this over to a collection bureau, XXXX XXXX. I have called XXXX repeatedly, with recorded phone calls, where I am told I do not owe them anything. They told me to dispute the bill with the credit bureau and I did so. They turned around and verified debt. I called them back and once again they said I do not owe them anything. If this is not resolved immediately I will be turning over my phone calls to the Attorney General, The FTC, and I will sue for damages. I am tired of the games and of being destroyed for a bill I have proof I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went online and established credit freezes with XXXX and XXXX without the slightest difficulty. Experian, instead, rejected my request on the basis of improper responses to ID questions -- e.g., former and current addresses, mortgages, etc. -- that had absolutely nothing to do with me or my identity.