23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am filling a complain against Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent address fraud on 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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

In XXXX, I took out two loans in the amount of {$55000.00} each from Mosaic ( joinmosaic.com ) which had 0 % interest if the loans were paid back within 18 months. The first loan was due to be paid XX/XX/XXXX. The second was due XX/XX/XXXX. 

On XX/XX/XXXX, I made an electronic payment on the Mosaic website to pay-off the first loan due in the amount of {$30000.00}. This was not abnormal as I had already made payments in the amount of ~ $ XXXX to pay off this loan. I called Mosaic several times between XX/XX/XXXX and XX/XX/XXXX of XXXX to ensure the payment had gone through. On XX/XX/XXXX, I received an email from Mosaic stating " We're writing to let you know that your payment of {$30000.00} has been received by Mosaic on XX/XX/XXXX. '' However, on XX/XX/XXXX, Mosaic sent me a follow up email stating my payment had not gone through because my " Account ( was ) not found ''. I then promptly made another payment and by XX/XX/XXXX, had confirmed the original loan amount had been paid off in full. 

However, Mosaic then charged me approximately {$8000.00} in accrued interest saying I had not paid the loan off in 18 month 0 % interest period. This was despite several phone conversations with Mosaic officials between XX/XX/XXXX and XX/XX/XXXX confirming that they would not charge me accrued interest. 

Furthermore, given I had a second {$55000.00} loan due to Mosaic on XX/XX/XXXX and wanting to avoid any issues with online payment, I sent Mosaic a check in the amount of {$55000.00} to pay off the second loan with the loan number clearly marked on the check. However, Mosaic instead used this check, despite being clearly noted for my second loan, to withdraw the ~ {$8000.00} they were charging me for the first loan 's accrued interest. Fortunately, I was able to payoff the second loan in time with the full {$55000.00}, but if I had not had the funds readily available, Mosaic would have charged me an additional ~ {$8000.00}. 

After calling Mosaic repeatedly from the end of XXXX through XXXX, Mosaic did agree to send me a refund on the interest accrued payment. They sent me written notification of this on XX/XX/XXXX. But then they never sent me a refund. I tried calling them again to see why they had not returned my ~ {$8000.00} in accrued interest despite sending me an email saying they would and was given no response by the call agents or managers I spoke with.
Product: Debt collection

Ive never has an account with this company. I also haven't seen any bills from them letting know that I have an account with them
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, XXXXXXXX XXXX XXXXXXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Response to CFPB Regarding Ongoing FCRA Violations by XXXX, Experian, and XXXX Subject : CRAs Violating FCRA : Fraudulent Accounts, Deceptive Practices, and Refusal to Block Identity Theft Accounts To Whom It May Concern, I am filing this complaint against Experian, XXXX, and XXXX due to their continued violations of the Fair Credit Reporting Act ( FCRA ). Despite submitting multiple complaints, identity theft reports, and supporting documents, the CRAs continue to engage in deceptive and non-compliant practices, including : 1. Failure to Block Fraudulent Accounts * The CRAs have refused to block fraudulent accounts, despite receiving my FTC Identity Theft Affidavit, police report, and identification documents.

2. Reinsertion of Previously Deleted Accounts Without Notification * The following accounts were previously removed but reinserted without notice, violating FCRA 611 ( a ) ( 5 ) ( B ) : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX False Verification of Disputed Accounts Without Documentation * CRAs claim disputed accounts were " verified '' but have failed to provide documentary proof ( signed agreements, contracts, or method of verification ).

4. Failure to Remove Unauthorized Hard Inquiries * These inquiries remain despite proving they were fraudulent.

5. Refusal to Correct Personal Information * Incorrect addresses and employer information remain, violating FCRA 609 ( a ) ( 1 ). Requested Actions * Order CRAs
to Remove Fraudulent Accounts & Hard Inquiries * Demand CRAs Provide Verification Documentation or Delete Items * Issue Financial Penalties Against CRAs for Non-Compliance * Require Permanent Blocking of Fraudulent Accounts from Being Reinserted This continued pattern of violations and deceptive practices by the CRAs requires urgent CFPB intervention. I request immediate corrective action. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Hey so I tried to open a business account onXX/XX/XXXXat a branch in New York. They said that they cant open my account because of a prior situation in 2014. Chase had closed my account in 2014 and I was never sent any documentation as to why. So much was going on at that time that I just used another account I had instead and didnt really investigate further. Fast forward to now, I hold a XXXX XXXX, own several businesses, own property, no criminal record, and I pay my taxes. I am what you consider a model citizen yet I am being denied banking opportunities. Im also XXXX American. I would like this matter investigated because there is no reason I should be denied opening up an account with anyone in the world. 

Name : XXXX XXXX ssn : XXXX Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX XXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.
Product: Credit card or prepaid card

Discover sent me a random email on XX/XX/2022 saying they had closed my account after performing a random credit check on me. I have never been late with Discover or any other credit card company for that matter. I have a 700+ credit score. They are hurting my credit and giving me no recourse. I didn't even have a balance with them. Now I have a closed account on my credit report which reduces my score and gives me a lower credit history average. In my eyes this is predatory. I have always payed Discover on time and now they just drop me. They invited me to apply in the first place and take advantage of their APR offer. Seems to me they dropped me because I haven't used their card recently and they want to allocate that credit elsewhere. Apparently they haven't made enough money off me.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a hard inquiry from XXXX and I dont believe it to be mine I would kindly like it removed
Product: Credit card or prepaid card

My interest rate on the credit card went up to XXXX XXXX ( XXXX ).
Product: Debt collection

I sent XXXX separate communications not to contact me about this alleged debt. They have not validated the debt and have not responded to any of my notices. I ask them to cease and desist communcation under the FAIR DEBT COLLECTION PRACTICES ACT 15 USC SEC 1692c ( C ), ( e ), & ( g ). They now owe me money for this violation {$21000.00} and as stated in my communications. I will attach copies of the notices, with proof of mailing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im  XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Checking or savings account

I was doing a normal review of my checking account on XX/XX/XXXX when I noticed all my funds had been withdrawn from my checking and savings account and my account was at {$0.00}. I went up to the bank on XX/XX/XXXX to find out how this could have happened. I sat down with a Banker and she reviewed my account and told me about a transfer that was made from my savings account to my checking account and two {$3000.00} withdrawals that were made from my checking account. One withdrawal was made on XX/XX/XXXX and the other withdrawal was made on XX/XX/XXXX. I told her I did not do that transfer or make those withdrawals. She froze my account and created the fraud claims for my account and opened up a new account for me. Once I got home I submitted a claim for identity theft. 

XXXX will be XXXX months since this fraud investigation has been going on and it has caused me extreme emotional and financial stress. The fraud department has treated me like I'm the criminal and I have been unfairly mistreated. When I got the first letter that my claim was denied, the letter stated " After reviewing the claim, we determined XXXX XXXX XXXX received benefit of the claim ''. I contacted the fraud department and told them again I did not do this and to reopen the claim. A few weeks later I received another letter in the mail stating the exact same thing. I contacted the fraud department again, and had them reopen the claim. A few weeks later I received another letter in the mail that stated " Our investigation of the claim determined that you/your client authorized the transaction. The account owner 's identification was used to make the withdrawal. The bank was not notified your identification was lost or stolen ''. I would not of notified the bank that my identification was lost or stolen because I was in possession of my drivers license and was not even aware that theses withdrawals occurred so I did not authorize any transactions. I contacted them again and this time they said they had footage. They never mentioned footage the other times I contacted them so I asked for the footage to be sent to me and they said they can't send me the footage and a police report would need to be filed. They're claiming I'm on footage but that was never stated in any of the letters sent to me or conversations prior. My account was left with no money, they took all the money I had. I'm retired and I am on a fixed income. I've had to deal with my bills not being paid on time and receiving return checks and late fees. I did not do this. I did not make these withdrawals. I've had an account with Bank of America for almost XXXX  years and they did not protect me as the consumer as someone got access to my account information and my id information and was able to make these withdrawals. During the two days the withdrawals occurred I was in possession of both my drivers license and my debit card.
Product: Mortgage

I would like to file a complaint on my mortgage lenders XXXX, now XXXX/LoanCare. 

In XX/XX/XXXX, I sent a letter ( Using XXXX Internal Messaging System ) that I had changed my insurance company from XXXX XXXX to XXXX and not to pay XXXX XXXX. They paid both! XXXX sent me a refund check and I sent XXXX a check to deposit back to my escrow account. The envelope I sent XXXX had the account number and, in large lettering, deposit to escrow only, and the check which in the memo line also said for deposit to escrow account only. In XX/XX/XXXX I notice that the escrow money had shown up as a payment and not applied to escrow. I contacted them through their messaging system and informed them of the error. Within a couple of weeks, the funds were removed from the normal payment account, but from there the funds have disappeared. I have communicated with XXXX several times asking where the escrow money went to and have never gotten an answer. 

Now, to complicate things, my loan was transferred to XXXX/LoanCare. They wanted to increase my monthly payment to cover the escrow shortage, I have refused. I have continued to make my normal payments which does include some escrow funds. 

So, after several unanswered letters to XXXX and LoanCare, I get a letter from LoanCare to pay all the back charges ( all escrow shortages ) or they will start foreclosure process. 

From what I can tell, LoanCare has not been applying my monthly payments normally and has been putting the funds as Unapplied payments. In doing this they add late charges to my account, and eventually will start reporting the account in arrears to credit bureaus. 

I finally talked to a loan rep at LoanCare. He agreed to do all 6 items listed below.

When I found out this was not being done, I tried to call him back. I have left ~4 messages for him to call me back and he has not. The escalation person he says to call on his voice mail has not returned my calls either. 

I had a friend of mine ( Real Estate Lawyer ) look at the mortgage statements and he determined that XXXX put the escrow monies as Unapplied balance instead of into the escrow account. We also found that XXXX and LoanCare have been talking late charge funds from this Unapplied balance. This is illegal as those funds should be applied to escrow and ONLY used for taxes and insurance.
Product: Credit card

XXXX I will make this short I have been fighting with this company SOFI which seems to be a fraud. Long story short i opened a loan through them with a cosigner i have been onetime with all my payments and In XXXX I found out my cosigner filled a bankruptcy well they made there lawyer fully aware i was NOT filling a bankruptcy and I will be finically responsible for this loan well XX/XX/XXXX I tried to make my Payment which was due XX/XX/XXXX or around there anyways I was told that my account was closed do to a bankruptcy and I said this was all in a chat by the way because you cant call them and if you do o they promise to call you back but guess what I have never received a Call from XXXX on this matter how they are going to fix there mistake but anyway I was told in a chat that THEY can not let me say that again CAN NOT take my payment because the account they have listed i filled a bankruptcy well Like I SAID I DID NOT FILE A bankruptcy. i was told in a chat that this would be escalated to management and someone will be getting back with me and NO ONE has I called back in the XXXXXXXX XXXX XXXXXXXX to try to make a payment because i figured it would be fixed Nope they still wont take my money but they send me all these emails saying you are past due and i need to make a payment asap well these morons can not figure out I am trying to give them my money and they WILL NOT TAKE it who else fights with a card company to give them money now I am XXXX some days past due my major concern is my credit score see I had a ID theft 18 years ago my credit then went to less than XXXX well now with hard work and working XXXX jobs i am up to a XXXX now and its time I start looking for a house to buy that's my mail goal but I have XXXX customer serve saying if i don't make a payment now it is going to hurt my credit because 30 days is almost here but these idiots will not take my money and if i see a bad mark on my credit because of this or XXXX more threat I WILL LET MY LAWYER XXXX XXXX TAKE OVER AND SUE for the mental stress Sofi is putting me through all the XXXX nights ALL i want do is give them a payment why the XXXX is this so hard for this company to understand I have been in contact with a news channel and i have been advised to not tell them name of the channel but its close to there office. this is what i want my account restored and all the negatives on my account be removed or i will take it to the next level because my credit means a lot to me and I will be damned if I let SOFI scam me they will be hearing from me if they do not get this fixed and I have Documation 's from Sofi and chat sessions and i have proof where i tried to make a payment and they told me they can not take it
Product: Debt collection

Other I.C. SYSTEM, INC XXXX XXXX XXXX
Product: Checking or savings account

I had chase bank do my bill pay. one of them was GM financial. It seems the payment was always late. I would receive calls from GM Financial every month wondering where s my payment. Were you late or were you n time that's what I want to know. I never receied any calls from my other creditors exept GM financial. They would bagger me for the payments. Please inform me if that not the case I do not like for anyone takes advantage of me. I feel you have. Just because I am a mental patient. Check your records because I am glad that I am no longer with your bank.
Product: Debt collection

This matter originated from the electric and gas utilities company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I was evicted from the XXXX XXXX XXXX  apartment, on XX/XX/XXXX. ( I provided a XXXX XXXX XXXX XXXX docket number from the XXXX and Tenant Court with the Index # from the Marshals Notice of Possession ). 

XXXX XXXX XXXX XXXX NXXXX XXXX XXXXXXXX, was made aware of the XX/XX/XXXX eviction in XXXX and XXXX of XXXX, via recorded telephone calls. The account was paid in full for any charges made prior to XX/XX/XXXX. Any charges arising from the usage of the utilities after XX/XX/XXXX, should be charged to the property owner or current tenant. 

The account was sold to a third-party collection agency named XXXX XXXX HUDSON VALLEY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX corporate office ; XXXX North XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX, a certified XXXX letter was sent to XXXX XXXXXXXX HUDSON VALLEY  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, disputing the debt claim. The alleged debt was scheduled to default on XX/XX/XXXX, for failure to respond by or before XX/XX/XXXX. 

XXXXXXXX XXXX HUDSON VALLEY XXXX XXXXXXXX, refused to accept the delivered letter on XX/XX/XXXX, and accepted it on XX/XX/XXXX, signed and accepted by someone named XXXX, according to system records from XXXX. 

XXXX XXXX HUDSON VALLEY XXXX XXXX, disregarded the dispute letter and ultimately defaulted the account XX/XX/XXXX. XXXX XXXX HUDSON VALLEY XXXX XXXX, now threatens to take additional collection efforts which can result in a damaged credit profile if payment is not made by XX/XX/XXXX. 

XXXX trying to avoid filing a civil suit against XXXX XXXX HUDSON VALLEY XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I simply want the account closed and resolved as a debt not incurred by me. 

The un-ethical tactics of XXXX XXXX HUDSON VALLEY XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, to gain leverage over consumers who dispute creditor claims by avoiding or acknowledging consumer communication via phone and mailed correspondence, should not go un-noticed.
Product: Student loan

I have a private loan hat was taken out orginally with XXXX XXXX XXXX  for XXXX in XX/XX/XXXX approximately. I paid $ it down to XXXX   And then the loan was sent to XXXX. I received startments saying no Chang in in interest rate of 5.85 and no money due on loan for several years. Now my worst nightmare Navient has the loan as of XX/XX/XXXX. They promptly raised the interest rate to 6.85 % and increased the loan {$4400.00} by anding interest. This is my son 's loan he has an excellent credit rating, so why they did that I do not know? I just want to pay off the balance of {$3500.00}, an never hear the name Navient again. I am a cosigner on the loan so that is why they came after me. If I would of known that they would do this of course the loan would have been paid promptly with XXXX  in XX/XX/XXXX. The payment for this loan is XXXX/mth that is crazy who does this? That is so fraudulent, this amount only pays interest on this loan who does that? Navient that's who!! I want to be done, I will pay XXXX directly or with a settlement letter of {$3500.00} to Navient nothing more. I am XXXXyrs old my husband is XXXXyr we are being taken avantage by this company.

Please help us to settle this fairly.

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

I had provided proof and documentation that the account shown on my credit report is in accurate youre supposed creditor also provided proof and document stating that I do not owned it and therefore should not be shown on my credit affecting my credit in a negative manner please remove and update the changes to reflect on my credit report immediately. XXXX consumer account must be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorized / authorization viewing of credit report " INQURIES ''!!! 
( Identity Theft Victim / Equifax Data Breach ) Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New