23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Care Credit Card with Synchrony Bank for over 5 years and have only used this card for medical purposes, mostly the XXXX. I never missed one payment or went over the {$1000.00} credit limit the card had. On my credit report it states all my payments are 100 percent. I have lived in my home for over 40 years now. My husband left me over 8 years ago with a lot of debt and instead of filing bankrupcy I went through XXXX XXXX XXXX to pay the money back and settle all accounts. I have paid {$400.00} on this debt for over 4 years now without one missed payment and will graduate in a few months. Nothing has changed since I got my Care Credit Card, just the money I owe on my home which goes up and down as the taxes get paid, and by closing this account with no notice not only have they put my health in jeopardy but they have destroyed my credit score with no good reason behind doing this. I was shocked when I got an email from Synchrony Bank saying they had closed my Care Credit account with no notice. I owed NOTHING on this account at the time they closed it I had paid it all off like I always do. I have worked tirelessly to try to get my credit score where I can finally fix up my home which I have lived in and paid for for over FORTY YEARS.This account should have never been closed and I think banks get away with doing a lot of things that hurt people more than they help people. Doing business with Synchrony Bank has hurt me, not helped me.
Product: Mortgage

To Whom it May Concern, Consider this document to be my a ) formal complaint against and b ) plea to CFPB for support in gaining restitution from the following two mortgage servicing companies -- XXXX XXXX XXXX ( at XXXX XXXX XXXX, XXXX XXXX, SD XXXX and/or XXXX XXXX XXXX, XXXX, AZ XXXX ) ( XXXX ) and ( XXXX XXXX ) /LOANCARE ( a XXXX   XXXX at XXXX XXXX XXXX, XXXX   XXXX , VA XXXX ) ( XXXX ) -- both of which breached their H.A.M.P. ( HAMP ) contract with me : 1 ) UPON DEMAND BEING MADE TO EACH OF XXXX AND XXXX, after each firm had received my formal written claim for the sum of {$720.00} ( due under that certain HAMP Borrower Incentive for Timely Payment Provision contained in HAMP document attached ), both XXXX and XXXX each refused to honor their contractual obligation contained in said HAMP document ( Contract ).

2 ) The HAMP Borrower Incentive for Timely Payment Provision giving rise to this complaint was originated by XXXX in XXXX. It offers Borrower a Timely Payment Incentive of $ XXXX/month for the purpose of reducing Borrowers mortgage balance upon pay-off. Borrowers payments were always timely after the Contract was entered with XXXX. 
3 ) For calendar years XXXX and XXXX XXXX met its obligation under the Contract and subject loan which XXXX designated # XXXXreducing the principal balance each of years XXXX and XXXX by {$1000.00} per year ( i.e. 12 months/year times $ XXXX/month= $  XXXX/year ). 
4 ) During calendar year XXXX XXXX   transferred its mortgage servicing benefits and obligations under the Contract to XXXX. 
5 ) Subsequently, on XX/XX/XXXX, XXXX loan # XXXX was paid off. 
6 ) The commensurate Borrower Incentive of {$720.00} which had accrued to Borrowers account up to and including XX/XX/XXXX for the calendar year XXXX ( i.e. XXXX Months -- XX/XX/XXXX to XX/XX/XXXX -- times $ XXXX/month ) was never applied to reduce the Loan Pay Off Demand which was generated by XXXX. 
7 ) Shortly before and after paying-off subject loan, having realized {$720.00} should have been but was not credited to my account upon payoff, I contacted XXXX and XXXX separately via phone & subsequently emailed each of them my Demand for {$720.00} plus all back-up information they requested. Thereafter Executives at XXXX and XXXX pointed fingers at each other as being the responsible party. XXXX claimed they had not known about the Contract upon assumption of servicing papers from XXXX   and therefore could not be held responsible as a result. Finally each of XXXX and XXXX refused to reimburse my {$720.00} claim -- suggesting I contact The Federal Government for assistance and/or remuneration. 
8 ) PLEASE NOTE THE SUMMARY PAGE OF THE ATTACHED H.A.M.P AGREEMENT ADDRESSED TO ME, XXXX XXXX, WHICH CONTAINS THE BORROWER INCENTIVE CLAUSEthe subject of my complaint and plea to CFPB. 

Please review this situation at your earliest opportunity and advise me of action pending as a result. 

Yours Truly, XXXX XXXX. XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 o4r have caused significant inconvenience and financial loss, and I seek appropriate redress these violation.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, with my XXXX  ( XXXX XXXX ) assistance, she transferred {$1000.00} from her XXXX XXXX  XXXX XXXX  account, which is a XXXX XXXX, to my checking account, XXXX Bank, which is a XXXX XXXX  XXXX. The funds never arrived, nor bounced back. The funds still say pending on her end. My bank XXXX XXXX  can not trace the transaction because XXXX XXXX XXXX will not give us the correct trace number to track the transfer, nor will XXXX communicate what the problem is and how to fix it. They keep hanging up on my XXXX  every time she calls. This is all online so there is no where to go as for brick and mortar. Please help us get some answers! Please
Product: Credit card or prepaid card

Like I stated before I was told to send not one but another letter. To state the other circumstances. That I had XXXX. Was on meds that affected my judgement and made me so weak I had to stop taking the meds. Had a neighbor that was taking care of my mail. Which I never was contacted or did I know I had to pay. Because I never saw a statement. I also told them to look at my history with them. I always paid my card when it was due. That and I was told if I did this my credit score would be corrected and my account would be put back in excellent standing. I have worked hard to keep my scores to where they are. If I would of been aware of this I wouldn't be making a complaint.
Product: Credit reporting or other personal consumer reports

Contacted TransUnion 3 times by phone twice via online chat they tell me same thing. Still open I told them they were required by federal law to remove it and still wouldnt been 46 days started dispute on XX/XX/year>. Talked to lady today she refuse to let me speak to anyone else said she was the highest ranking person at TransUnion and refuse to remove the item being disputed
Product: Mortgage

Goodmortgage.com provided me a good faith estimate and then changed the structure of the loan at the finish line. What they did to me was criminal and they robbed me of money while putting me under duress to close on the loan.
Product: Mortgage

XXXX/XXXX/2014Honorable XXXX XXXX : Hello. I would like to speak with you about the Florida Hardest Hit program ( FHH ). 
Florida Hardest Hit program seemed at first to be for the benefit of those hardest hit by the mortgage crisis but, as I looked at the formula for qualification, I realized this was just another form of TARP. I filed for an appeal ; was referred up the chain of command till I came to the office of XXXX XXXX. I made several calls over several days, to XXXX office and I was disconnected ; put on hold for prolonged periods ; and told that I could not talk with her. I do not believe this to be the American way, and would like your help to ferret out the truth. 
" Truth will ultimately prevail where there are pains to bring it to light. '' -XXXX ( XXXX ) I have documentation to include email correspondence with the Florida Hardest Hit program to support, what I hope will be your attempt to verify this program. 
My hope is ; investigating the FHH program, will be good for you, me, and the Democratic Party.I have stopped by both your XXXX office and your XXXX XXXX offices to offer my support. Best of luck with your upcoming election. 
Sincerely, XXXX XXXX, XXXX XXXX : Hello. XXXX XXXX XXXX has referred me to you regarding my case. I have forwarded correspondence as background information for you. 
At this time I would like to register my feeling that without consideration of the individual 's down-payment, Florida 's Hardest Hit falls short of helping the people of Florida. 
Thank you for your time and consideration of my case. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX  days of receiving them. My dispute regarding negative items was submitted on XX/XX/2024, and I have not yet received a response. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get information from this company about the unknow account, I sent to the Credit Bureaus and to this company Certified mail, the unknow collection company account is listed below. 
XXXX and XXXX XXXX the full account is listed at XXXX XXXX Both did respond back and there also unauthorized Inquiries on all three Credit Bureaus the Inquiries are listed below XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine. 
I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Product: Credit reporting or other personal consumer reports

I previously disputed and had the following fraudulent accounts removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). These accounts were deleted in XX/XX/year> after multiple disputes, yet now they are back on my XX/XX/year> report. This is completely unacceptable. If an account is deleted, it should stay deleted. This back-and-forth of removing and then sneaking them back in is dishonest, damaging, and illegal. The law is clearonce an account is removed, it can not be put back unless the company proves it is accurate and I am notified in writing within five days. That did not happen. TransUnion broke the law by allowing these fraudulent accounts back on my report without verifying them or informing me. On top of that, XXXX and XXXX did not reinsert these accounts, meaning TransUnion is the only one failing to do its job. This isnt just a mistakeits reckless and harmful. This mess is damaging my credit and causing unnecessary stress. I demand that these accounts be removed immediately and permanently. I will not keep disputing the same accounts over and over because TransUnion refuses to do its job properly. If this isnt fixed now, I will be filing complaints with the CFPB, FTC, and my states Attorney General, and I will take legal action if necessary. I expect written confirmation that these accounts are permanently deleted and an explanation of how you plan to fix this mess. This is your final warning.
Product: Credit reporting or other personal consumer reports

Fraudulent personal loan account that is on my Experian credit report
Product: Checking or savings account

I was a victim of a scam that phished my business checking account with small charges to XXXX XXXX over 60 days with long periods between the charges. After the 60 days, large charges were made : XX/XX/2021 for {$590.00} followed by XX/XX/2021 for {$2500.00} and XX/XX/2021 for {$120.00}. 
I discovered the XX/XX/2021 charge and called Wells Fargo to report the fraud. I also discovered the two XX/XX/2021 charges that were " in process '' and had not yet posted to my account. These charges should have been rejected but were allowed to post on XX/XX/2021. Wells Fargo said that was normal and they would then be reversed. Wells Fargo did not reverse them. In addition these charges were allowed even though my debit card had been turned off AND there were insufficient funds in the account. 
In all there were 11 XXXX XXXX charges made without a card present for a total of {$3500.00}. There were never any charges to XXXX XXXX approved by the owners of this account. 
Wells Fargo investigated my claim and denied all claims that occurred outside the 60 days per their policy. They returned {$45.00}. 
This account currently has a negative balance- {$770.00} To reiterate, while I understand the 60 day liability policy, the 3 charges on XX/XX/2021 and XX/XX/2021 should never been allowed to post ( unauthorized purchase, account disabled, insufficient funds and fraud reported ). Wells Fargo 's unethical business practices should be further investigated.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury I am alleging that a person or company without my authorization use my social security number and my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of the hard inquiries below so I want that these must be removed as soon as possible. List of unauthorized inquiries : XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX more XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX  Inquired on XX/XX/XXXX and XXXX more XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with WAKEFIELD plus they did not provide me with the original application like I asked. 
Account XXXX Amount Disputed : {$360.00} Account XXXX Amount Disputed : {$360.00}
Product: Debt collection

SOMEONE CREATED A LEASE AGREEMENT FOR THE XXXX XXXX XXXX XXXX, XXXX, XXXX, MD XXXX WITHOUT MY CONSENT AND MY DOCUMENTS. I NEVER LIVED IN THAT ADDRESS AND NEVER SIGNED ANY LEASE AGREEMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXXXX/XX/2022
Product: Mortgage

Approved for permanent modification with ocwen loan servicing, One day you call them and they say there are no fees owed.. The next day you call them there are fees. Inspection fees ... .What are they inspecting? and why do they charge me for this. Additionally, paid all trial payments on time, credit report reflects current for those months. After trial period was over still making payments now credit report says 180 days past due. Called ocwen and they say I 'm current. Their own website does n't even reflect this it says I 'm XXXX past due. Who am I supposed to believe. Need to hire lawyer in order that they accepted my documents for the modification. They turned down the documents XXXX times before I got the lawyer and threatened to sue. Getting really tired of dealing with this company. They are very unorganized to the point that it 's obvious. There are so many discrepancies for my account on their website that it 's laughable .... There are numerous different amounts stated that I owe. Let me see ... Eeny, meeny, miny, moe which one shall I choose. Only in business to rip good hardworking people off. This company is a joke
Product: Debt collection

My mother and I had the same first and last name. I continue to receive letters and phone calls from Northland Group indicating that I owe debt. I contacted Northland Group who requested my social security number and DOB. I refused to provide my SSI and only provided my DOB. At this time, I was told that my contact information ( phone number and address ) will be removed from their list since DOB did not match the DOB on file and that I will receive no more contact from Northland Group. I was then asked for my mother 's contact information. The very next two days I received phone calls from a man who did not introduce himself, informed me that the phone calls will be recorded, and immediately asked me for my DOB. I asked who he was and what this was in regards to. He told me his name and indicated that he is from Northland Group and that it is a confidential matter and that he can only disclose information if I verify my DOB. I gave him only my year of birth. He then indicated that my phone number will be removed.
Product: Credit reporting or other personal consumer reports

The inquiries on reports are not mine Ive called all credit agencies and companies however nothing has been fix I would like all inquiries removed as well as late payments that are not accurate bankruptcy thats on one and not the other therefore the reports are inaccurate XXXX inquiries on XXXX A bankruptcy on XXXX and Experian that needs to be removed as well as fingerhut on XXXX reporting late on the other accounts no late payments.
Product: Credit card or prepaid card

Please note : this is a revised complaint, not a duplicate. Do not delete or close. The credit card company objected in their response to the original complaint that I permitted my spouse to view the correspondence. Chase deemed him an " unauthorized third party. '' While that is not true, I am amending the complaint to remove him from the notifications so that the investigation can proceed. 

Dear Sir or Madam : I am writing to report fraudulent credit card activity involving multiple charges to XXXX XXXX on two separate credit cards. This scam has been reported on the Internet since at least XX/XX/XXXX ( do a XXXX search for XXXX XXXX XXXX XXXX CA ). My concern is that this scam represents a major and ongoing fraudulent source of revenue to XXXX XXXX, and a continuing threat to consumers. On XX/XX/XXXX, the first fraudulent charge appeared in the amount of {$7.00} to XXXX XXXX XXXX XXXX CA on my XXXX XXXX XXXX , which was associated with my XXXX account. I disputed the charge with XXXX ; XXXX required that I close and reopen my account with a new card number. I opened a new Chase XXXX and associated it with my XXXX account, replacing the XXXX card. I am the only authorized user. In the first month, new fraudulent charges appeared in the amounts of {$22.00} on XX/XX/XXXX and {$12.00} on XX/XX/XXXX. Again, these charges were listed as XXXX XXXX XXXX XXXX CA. A further charge for {$12.00} appeared on XX/XX/XXXX. Upon contacting Chase for assistance, I had to close and reopen the Chase XXXX card. Be assured that I did NOT provide the latest credit card information to XXXX. When I contacted XXXX by email, I received a major run-around, consisting of multiple rounds of correspondence and escalation to a senior representative. XXXX would not send copies of the charges nor disclose to whom they pertained, citing privacy rules. XXXX did not volunteer the information that this scam is well-publicized and has been going on for years. The representative stated that the charges were incurred by someone in my household, which is impossible. I am the only user. I checked my own purchase history on the XXXX app. It showed only the normal recurring charge of {$0.00} per month for XXXX storage. How then was XXXX aware of the fraudulent charges? Ultimately, I was refunded for three charges of {$12.00} each. I am still waiting for a refund of {$22.00}. I checked my credit report online. There is no evidence to suggest identity theft. Again, I am concerned that untold amounts of money may be flowing to scammers via XXXX XXXX. The new generation that now uses its credit and debit cards for every trivial transaction will have a difficult time identifying fraud that involves a trusted vendor such as XXXX. Please investigate. I will furnish original emails between myself and XXXX, XXXX upon request.