23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We experienced financial hardships during the XXXX Pandemic in XXXX resulting in us falling behind in our monthly mortgage payments. When contacting our mortgage servicer at that time we were told that all we would need to do for the XXXX hardship would be to contact them when we were able to resume our monthly payments. 

We contacted our Mortgage Servicer XXXX XXXX XXXX XXXX XXXX who partners with Dovenmuehle in XX/XX/XXXX to explore options for bringing our account current. We were initially not evaluated for any sort of XXXX Payment Plans or XXXX Modifications and were presented with a traditional Loan Modification as our only option. After starting that process in good faith, we were informed that this was not our only option as had been initially explained to us and were sent a packet to fill out. Our packet was filled out and returned in XX/XX/XXXX. We continued to work with Dovenmuehle regarding this for the next 12 months and were finally sent a payment deferral agreement dated XX/XX/XXXX - stating that the terms of the agreement were that as of XX/XX/XXXX our balance would be brought current, our past due amount would be deferred to the maturation date of the loan, and any late charges would be waived. 

The loan was never brought current, our statements continue to say that we are behind the full amount going back to XXXX when the XXXX pandemic started, and we continue to be blocked from making payment on our mortgage save the option of mailing in a certified check to Dovenmuehle. During this entire period starting XX/XX/XXXX we have continued to contact Dovenmuehle 's loss mitigation department to attempt to resolve this. We have been mislead on when our account would finally be brought current. We have been told we would get calls back from supervisors which don't happen. We have been told that we need to fill out another packet and sign papers, then the next time we call we get told that no packet is needed and all we have to do is verbally agree to the terms. We get told that this process will be completed in a week, or in a month, or in XXXX business days. We call back at the end of the promised time period and get told that it's still in underwriting, or that it wasn't submitted correctly, or that they simply don't know where we are at in this process. We get told that we need to call in and make payments through loss mitigation, then we get told the next time that we call the only option we have is to send a certified check. We've been told that money orders will work, then we get told that money orders won't work. 

Most recently we contacted Dovenmuehle 's Loss Mitigations department on XX/XX/XXXX and were told that everything was with the underwriters and that this would all finally be resolved in 14 days. We called back again 14 days later, on XX/XX/XXXX and were told that this was still not completed and that we would need to call back again in 14 days to see if this was completed. 

Now today, XX/XX/XXXX our mortgage has also been flagged on our credit reports as being delinquent.
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 & 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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries listed on my credit report under 15 USC 16c-2. This incorrect information is harming my credit, so Im requesting the removal of all hard inquiries. Thank you.
Product: Debt collection

To Whom It May Concern, I am writing in response to a recent indication regarding an alleged debt of {$760.00} discovered on my credit report. Please be advised that I am requesting validation of this debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I am requesting the following : Proof of the Debt : Please provide documentation showing that I owe the alleged debt, including a detailed statement or invoice, and proof that you are authorized to collect on the debt.

Assignment of the Debt : If this debt has been sold or assigned to your agency, I request a copy of the assignment contract or any other documentation proving that you have legal ownership or the right to collect this debt.

Original Creditor Information : Provide the name and contact information of the original creditor, including the account number with the original creditor, and any agreements or contracts related to the debt.

Itemized Statement : Please provide a full and itemized accounting of the amount owed, including any interest, fees, or other charges. 

Until I receive this requested documentation, I do not acknowledge this debt and request that you cease any further collection efforts until proper validation is provided. 

Cease and Desist Request : In addition to the above, please consider this letter as a formal request to cease and desist all collection activities, including telephone calls, written correspondence, and any other contact regarding this alleged debt. Please note that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that you stop contacting me immediately unless the requested debt validation is provided or you are otherwise required to do so by law. 

If you continue to attempt collection without providing the requested validation, I will file complaints with the appropriate regulatory authorities, including the Federal Trade Commission ( FTC ), and my states Attorney Generals office as the Consumer Financial Protection Bureau ( CFPB ) has already been notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX XXXX XXXX {$2600.00} COLLECTIONS XXXX {$82.00} XXXX  XXXX {$220.00} XXXX XXXX XXXX {$890.00} XXXX   XXXX XXXX {$610.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$300.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

I have been permanently banned from using Venmo/PayPal for what they say is a violation of their User Agreement. I have spoken to them on the phone and communicated through email asking that they explain which activity of their User Agreement that I violated. This is the only response they will provide : please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity. Between the two services I have made roughly 8 transactions all to either family members or coworkers. What is the point of having a User Agreement if they refuse to tell the customer what they did wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent Letters to all 3 major Credit Beaurus concerning certain accounts that are reporting on my account inaccurately. They sent me letters back stating that the accounts have been verified. I then in return sent the company Letters requesting to show their verification method. It has been 30 days and they have yet to send a letter back showing how they verified the account. Per the Consumer Laws I have a right to know how these accounts were verified and failure to disclose that information results in the Credit Beaurus removing these accounts from my credit reports.

This has ben passed the 30-day legal limit and therefore these accounts in question should be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

My Complaint is with CashApp. They have refused to review my disputes and denied me access to the funds on my current account balance since XXXX. The disputes are all for a single payee so easily trackable. 

Someone fraudulently got into my account and made numerous money transfers to themselves without my permission. I notified the company of the transactions in XXXX and again in XXXX. There were a total of XXXX transactions I reported as fraudulent. I also have {$250.00} sitting on my current CashApp balance. 

Approximately a few days later, I was notified my disputes had been closed due to a fraudulent dispute. Approximately three weeks later I was notified that I had violated CashApp 's Acceptable use policy and that my account was being closed. I asked what policy I had violated and CashApp told me that was all the information they had in the system. I requested the evidence used to make the determination and they refused to send me anything. I was unable to withdraw my {$250.00} balance. 

I repeatedly called back and re-opened the disputes and CashApp repeatedly closed them. In at least five instances I was told to go back into the App on my phone or someone else 's. 

However, CashApp blocked my access on the app. Anytime I used my phone I was told my device had been associated with an account that violated CashApp 's Acceptable Use policy. I got the same error when I tried my email address, CashTag, and phone number, even when trying from another device. CashApp gave me no option to follow the instructions THEIR dispute team told me to do. I have multiple emails from them with the instructions that they specifically prevented me from doing. CashApp also refused to send me the {$250.00} on my balance via a check to my address on file and canceled my debit card, so they have continued to illegally hold and deny me access to my own money. 

So in addition to having no access to my own {$250.00} on my CashApp balance, they will not review the disputes I submitted. I continued to try into mid XXXX to resolve this. 

I am requesting that my account be re-instated so that I can access the App and blocks removed related to my device, email, and phone number. This is so that I can actually follow their directions to do multiple actions in the App and get access to my funds. In addition, the total amount of the disputes was {$3800.00}, I am satisfied if I can get the transactions reversed back to XX/XX/year> ( which I have identified on three separate occasions with customer service ). I believe this amount is between {$3000.00} and {$3200.00}. 

I am very disappointed that CashApp has no controls or methods in place to handle these things without going through the App, when CashApp is the one that DENIES access to the App. I feel this is bordering on theft and illegal holding of funds. I have tried everything I can to resolve this including making these requests multiple times to the disputes team as a path forward.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX was applied for and opened in my name on XX/XX/year> with a XXXX credit limit. I did not apply for this account and have never had a discover credit account. I have filed several disputes and reach out to XXXX as well with no results. I sent them a letter asking for documentation of the Investigation and have not received any information from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. 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 XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This 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 its been 60days n they record the calls n admitted they had my police report XXXX 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

After I reviewed my credit report I noticed that there are many names under my XXXX Credit File and many unknown addresses which I would like Deleted from my credit report. I am listing those below for your convenience. 
XXXX - XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX WA XXXX EXPERIAN - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

My Capital one card was used for purchases without my permission. The company will not remove the charges stating that a chip was used and that can not be forged. This however can not be true as my credit card was in my possession and was not used. I have no history of making purchases such as these. In fact Capital one denied some of the charges because it didn't match my purchase history. I have contacted Capital One and they will not help me. I would like these charges reversed.
Product: Money transfer, virtual currency, or money service

Between XXXX and XXXX XXXX night I, XXXX XXXX went to go deposit {$100.00} in cash and a check of {$88.00} from work. When I deposited the cash and the check, the screen loaded for a while and then the ATM flashed with a yellow screen telling me the ATM " Could not take in my cash or check at this time. '' It gave me back a few XXXX dollar bills and my card and kept my check and {$100.00} in cash. It gave me a small slip telling me " Sorry for the inconvenience '' and there had been a deposit of {$0.00} cents as a place holder until I made a claim and told them the amount I had deposited. I made a claim to Wells Fargo the next day and they told me because it was cash I might not get it back. They also told me I'd have to wait well over a week and a half. I will be evicted if I do not have that money soon. 
The location of the ATM was XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act Personify # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I Have a right to privacy. 

15 U.S.C 1681 Section 604a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your recent claim that the accounts listed below have been verified and that the information they are reporting under my name is accurate. I have attached proof that the reporting is inaccurate on all of them. the discrepancies are circled in XXXX. I have never been late on these accounts. 

XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXXXXXX XXXX  XXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 
XXXX XXXX XXXXXXXX I previously disputed this account. I dont agree with the results of your investigation. Please mail me the proof of your investigation or remove the negative information. 

if you conducted a thorough investigation, I request you provide full method of verification : 1. What certified documents were reviewed to conclude your investigation?

2. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.

3. What did it cost your company to obtain the documents needed to complete your investigation?

4. Please provide proof of your timely procurement of certified documents.

5. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

a If yes to above : i Who did you speak to?

ii On what date?

iii How long was the conversation?

iv What was their position?

v What telephone number did you call?

vi What is the name of the employee of your company that spoke directly to the above party?

vii What is the position of the employee of your company that spoke directly to the above party?

viii How long has that employee been employed by your company?

ix What formal training was provided to this employee to investigate items of this kind?

x Was there any e-mail or written communication between members of your company and the above party?

8 Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Product: Credit reporting or other personal consumer reports

I would like my credit score to reflect the actual numbers that I worked hard to achieve XXXX XXXX.
Product: Debt collection

I requested to have a private student loan from  XXXX  /1st Associates Loan Servicing (    XXXX   ) in the amount of {$1700.00} in order to take a  XXXX   XXXX    XXXX   class ( course code :  XXXX  ) through  XXXX    XXXX    XXXX  College. I was enrolled in the course on  XX/XX/XXXX  and approved for the loan through  XXXX  /  1st Associates (   XXXX   )  on  XX/XX/XXXX . On  XX/XX/XXXX , a few days after being approved for the loan, I contacted  XXXX  / 1st Associates (  XXXX  ) and advised them that I decided not to take the course through  XXXX   XXXX  College and that I needed the course cancelled/dropped. I asked both the  XXXX  and 1st Associates (   XXXX   ) representative to cancel the loan I was approved for through them, being that I had no need for the loan because I cancelled/ dropped the course ( which I never took or started ). I was told by both the  XXXX  and  1st Associates  (  XXXX  ) representatives that the loan would be cancelled. As of today, the loan has not been cancelled as promised and they are reporting a delinquent status each month on my credit report. I have tried numerous times to get this issue resolved with  XXXX  and 1st  Associates (   XXXX   ),  but I keep getting the run around, both pointing the finger and referring me to the other. Neither has provided help in getting this debt removed from my credit report. Earlier this year around  XX/XX/XXXX , I spoke to  XXXX   XXXX , Collections Supervisor at  1st Associates Loan  Servicing about this issue. He told me that he see in their notes where I requested to have the loan cancelled, but he has done nothing to assist me in getting this debt cancelled and removed from my credit report. He keep referring me to  XXXX . I spoke to  XXXX   XXXX , Admissions Representative with  XXXX  as instructed by  XXXX   XXXX . I explained to  XXXX   XXXX  that I spoke to him in  XX/XX/XXXX  and asked to be dropped from the course and have the loan cancelled. He stated that he see in his notes where I made this request. During my conversation with  XXXX   XXXX  in  XX/XX/XXXX , I was told by  XXXX   XXXX  that  XXXX  do not handle or finance loans, this is handled by 1st Associates Loan Servicing. I really need help with getting this issue resolved and having this debt removed from my credit report. Neither  XXXX  or 1st Associates is willing to make right on this issue. It seems as if  XXXX  and  1st Associates is  operating under shady practices and they are fraudulently reporting incorrect information to my credit report each month and have refused to assist me in getting this resolved. I have recently tried to cont act 1st Associates Loan Servicing but th e phone number is no longer is service. I am not sure if they are out of business.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against your credit bureau regarding the numerous unsuccessful attempts I have made to rectify the inaccuracies in my credit file. Despite my continuous efforts to removed this discrepancies, my credit report remains marred with inaccuracies, negatively impacting my financial well-being. 

I have made several efforts to dispute these inaccuracies by following the procedures outlined by the Fair Credit Reporting Act ( FCRA ). Each time, I have provided all necessary documentation and supporting evidence to substantiate my claims. 

Despite my earnest attempts to resolve these issues, I have encountered the following problems : My previous dispute letters and supporting documents seem to have gone unanswered, leaving me in the dark about the status of my disputes. 

The delay in addressing this inaccuracies has resulted in financial hardships and lost opportunities for me. 

The presence of these inaccuracies is severely damaging my credit score, making it difficult for me to access fair lending terms and credit opportunities. 

I am frustrated by the lack of responsiveness and efficiency in addressing my concerns. I understand the importance of accurate credit reporting, and I am fully committed to working with your credit bureau to ensure the correctness of my credit file. 

I request that you conduct a thorough investigation into these inaccuracies, rectify them promptly, and keep me informed about the status of my disputes, as mandated by the FCRA. 

Enclosed with this letter are copies of my previous dispute letters, supporting documentation, and certified mail receipts to verify my attempts to rectify these inaccuracies. I am asking for your assistance to remove the fraud item in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax and XXXX XXXX XXXX XXXX XXXX on numerous occasions, about this issue. As soon as I saw this on my report I notified all bureaus about this activity. I constantly called Equifax and filed dispute to NO avail. Please update your info. reporting inaccurate info. XXXX XXXX has assured me that they are not reporting the inaccuracy.
Product: Debt collection

Good Morning my name is XXXX Received a letter from America Coradius International that i have a debt XXXX they already get XXXX from my old debt card, but still pending XXXX the problems is this is not my debt. i need a letter with the name and address of the original creditor. because they need to send me the money back.