23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage is currently 4 months past due. I have spoken with multiple representatives in order to explain my situation and my attempt to catch it up. 
On XX/XX/2019, I called in to U.S Bank home Mortgage in an attempt to begin resolving the situation and attempted to make a payment for a month which technically would have brought me down to 3 months. I also informed them that the next payment would be at the end of the day on the 14th which would have brought me behind to two months. 
The representative I spoke with at that time stated that they could not accept my payment. I requested an explanation and he replied that they needed 2 payments at one time in order to accept the payment. I again explained that i had one payment and would make the other on the 14th. The representative again declined to accept my payment but stated that I would likely have until the 14th to make both payments as my account had not been prepped for foreclosure and would not actually go into foreclosure until month 6. I am NOT in month 6 He reported that he would send me a mortgage assistance application to complete and that would stop any further proceedings. 
On XX/XX/2019, another representative called me and I attempted again to make a payment which would have brought me down to 3 months, she refused to accept the payment stating that I needed 2 payments at one time. I again explained I would not be able to do that until the 14th. She stated that it takes 48 to 72 hours to send an assistance application and to send it back on Monday. 
Today which is MondayXX/XX/XXXX, I called in to receive password because I received encrypted mortgage assistance application. The representative informed me of my passed due balance and further told me that they referred my house for foreclosure on today and that if I didn't have a total of 2 months payment today, I would lose my home. She further stated that there was no need for me to complete the mortgage assistance application because it would not due any good a this point and unless I pay the entire amount that's past due, I would lose my home. 
The issue is one, I was told different information by the representatives and more importantly, by the mortgage company REFUSING to accept my payment, it pushed me into the foreclosure process. 
Additionally, I was told by a representative a week or so prior, that I can call in a payment and then they would be able to work with me to bring the account current. 
Again, in order to bring my balance down, I need to be able to make a payment yet the mortgage company declined to accept my payment forcing to possibly lose my home.
Product: Credit card or prepaid card

I am a Citibank customer and have been for years. I understand that they have to right to reduce your credit limit but they reduced my limit by {$9500.00} in XXXX  0f 2020, my balance was only {$2200.00}. I have had mortgages for a few hundred thousand dollars in the past and have always been in good standing with them for years, never missing a payment. This dramatic drop in my credit line of {$9500.00} left my card maxed out. They did not have the decency to even notify me they just did it. When I got an alert that my credit score went down 75 points, I researched it and found out it was because of my debt to income ratio caused by Citibank in reducing all of my available credit to what was owed. I immediately called Citibank. I have a secure job with the Federal Government for over 10 years, and COVID 19 has not impacted my ability to pay my bills and I have not lost any income. I explained to the Citibank customer service representative of a situation my family is experiencing and that I recently had to take several loans out to assist in my XXXX old grandsons treatment for XXXX XXXX for his medical bills. I explained this to Citibank and they didn't seem to care. I also disclosed that I had significant savings in my savings account of over 30K presently to cover all of these bills. I will not recommend them to anyone and once I'm done paying off this card I will no longer be a customer of theirs. They showed no empathy for my situation, I never asked to extend payments or for any assistance. I want to file this complaint to show how insensitive they are as an organization with no care to their customers needs. To reduce my line of credit to what is owed has severely impacted my credit and has caused more issues, this is not a way to treat your customers.
Product: Credit reporting or other personal consumer reports

I have a few accounts on my report that arent mine
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent your office a notice and you have violated my federal consumer rights. Notice, it is a fact that I am a federally protected consumer. So now, this is my second and final request of compliance. If within, 30 days TransUnion fails to comply we will have to handle this in court. Notice, it is a fact that I know it is a crime to threaten a lawsuit if I don't intentionally plan to do so, so please take this matter very seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting with this complaint to the Credit Bureaus to update and correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish their investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account needs to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$560.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries thats currently listed on my Trans Union, XXXX, and XXXX credit report are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, and XXXX XXXX Bank, XX/XX/XXXX.
Product: Mortgage

A few months ago i had changed and increased the amount of principal on the loan. I remember a notification stating that the new changes wouldnt take affect until the next billing cycle. I was unaware that this would also affect my current autodraft. 
I understand it is mostly my fault for not noticing the payment being withdrawn and processed. The account being used for the autodraft is an account only used for this loan and a portion of my direct deposit from my employer to cover the amount. I do not regularly check this account because it has been operating this way for 10 years without any issues. I also have been distracted and very busy with the birth of my XXXX   child. My daughter was born in Colorado and the travel and time to see her has been challenging and difficult. 
I would also like to point out that i believe the attempts to contact me were not sufficient. I had received phone calls from Carrington that were automated but did not state the intention of the call. When i returned these calls your offices were closed. The only mail correspondence was sent certified after the delinquency threatening a foreclosure. I also do not continually occupy the home because of my work and my daughter. 
I have owned this home for 10 years and have never had a delinquency. My credit has been outstanding until this one event. I am in the process of purchasing a new home in Colorado and this has made a very negative impact. My credit score has gone down 100 points because of the delinquency. Please try and make an attempt to withdraw the delinquency from my credit report.
Product: Mortgage

I have been trying to get a modification with US Bank since XXXX. I lost my XXXX job for 120 days in XX/XX/XXXX from XXXX. I tried to send a payment in XXXX and they informed me that i needed to send XXXX payments in so they sent that payment back. i had just went back to my XXXX job. i had also lost my daughters XXXX during the same time so that put me a huge financial bind. they denied me XXXX and gave me several different reasons. 
!. I wasnt unemployed long enough2. i wasnt unemployed at the end of themodification3. did not have enough money ration at the end of the month4. it hadnt been long enough between my last modifcation. I file dchapter XXXX bankruptcy so now my mortgage is going thru the courts which makes it extremly tight with my income and im the only person working in my house of XXXX. i sent in another application on XX/XX/XXXX and had not heard any correspondence from US Bank until XXXX when myself and the housing agency WIN spoke with them. they told me i was missing my tax transscript form and i asked them why wasnt i notified of this in XXXX when i sent in my inofrmation? They told me they could not answer that question. I have NEVER spoken to my relationship manqger at Us Bank regarless of the messages i have left for her. she has not corresponded wiht my lawyer or myself or my WIN agent and we have left several messages for her. Federal regualtions state a mortgage company has 30 DAYS to correspond with you and US Bank is not doing this at all. They told me i could not pay my mortge until i sent XXXX payments in after i was unemployed and told them i had just went back to work so how was i going to do that? So this put me further behind in my mortgage causing all this conflict in which i am going thru now. they sent me another letter on XX/XX/XXXX and stated that my check stub information was not clear in which i sent them. i sent over my information via fax and i malied them hard copies just in case they could not read the documentation and the documentation mailed in was very clear. i feel that they are giving me the runaround and not following federal regualtions to get back with the consumer within a certain amount of time concerning a modification. I dont feel that US Bank is doing their part as far as corresponding with the consumer, the consumers lawyers to rectify the situation that cant potentialy benefit the consumer and their family. a process that should take no longer than 45 days has taken over 4 months with no final outcome.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc. ) due to in adequate customer service and unfair practice, which violates 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.
Product: Money transfer, virtual currency, or money service

On XXXX, XXXX, I reached out to XXXX XXXX ( $ XXXX on CashApp ) to create an album cover for me. I expressed to him the time I needed it by, he told me the price, and said that it was no problem for him to get it to me by then, specifically within 2-3 days. I paid him on XX/XX/2022 via CashApp. Well he never met the deadline that I expressed ahead of time, and tried to send it to me the day of my album release. I requested my money back due to fraud on XX/XX/2022, but was denied. I wrote a letter to them on XX/XX/2022, but was still denied. This merchant committed fraud by not fulfilling his guarantee, and this is unacceptable.
Product: Debt collection

On XX/XX/XXXX our computer was hacked, details are attached in a " Chronology ''. I am XXXX XXXX XXXX and am uncomfortable with computers and so left my wife to do the talking with the people claiming to be XXXX XXXX. They insisted that certain tests had to be carried out to assess the degree of compromise and to preclude any further loss. As soon as we determined this was a scam we ended all communication and took steps such as changing our bank accounts, mobile phone numbers and having our computer wiped. Later that evening we were alerted to a possible problem with our PayPal accounts so we identified all transactions initiated by the scammers as requiring investigation and notified PayPal accordingly. 

Since that time we have failed in our many attempts to have a meaningful dialogue with PayPal. They look at each individual transaction and maintain that if generated from an " authorized device '' it is " valid ''. We have consistently maintained that the totality of transactions through my account and that of my wife, XXXX, must be taken into account. PayPal was alerted by us on the XXXX in sufficient time to stop the movement of money. Also, I had only previously used PayPal a couple of times a year and had never initiated a transaction from my mobile phone. My wife had used their services only once. In short, we have been very disappointed with PayPal 's security checks and even more so by the difficulty in trying to resolve a problem with them. This is in contrast to the help provided by XXXX XXXX and our banks, XXXX XXXX and XXXX.
Product: Credit card or prepaid card

This issue concerns my PayPal Extras MasterCard which is serviced by Synchrony Bank. 

On XX/XX/22 I called Synchrony Bank customer service to question a charge for XXXX that was applied to my account on or around XX/XX/22 I was told that someone claiming to be me had called to request a refund check in the amount XXXX and that request was approved I advised the agent that this was a fraudulent transactions and I have never made such as request During this XX/XX/22 call I was advised by a customer service supervisor that I would receive a credit to my account in the amount of XXXX within 2-3 weeks I did not received such a credits in 2-3 weeks as promised nor have received any such credit since I found out later that said check was mailed to a an address in XXXX XXXX XXXX, FL which is an address that I have never used nor was it ever associated with my Synchrony Bank credit card account I also found out later that the check that Synchrony Bank issued to the fraudulent actor was cashed on XX/XX/22, which was 4 days after I initially called their error to their attention I have made many calls to Synchrony Bank customer service in the interim to document my case and to request corrective action I have also sent 2 separate letters via USPS to the customer service address printed on my statements I still have not gotten the relief I was promised and I have been incurring interest and fees while my dispute has been ongoing. 
My experience with Synchrony Bank customer service during this dispute has include many long hold times, disconnected calls and broken promised by those who claim to be customer service supervisors. This poor responsiveness from customer service was on top of their inadequate fraud detection and response process which resulted in my becoming a victim of this incorrect charge to my account in the first place.
Product: Debt collection

This company has called me multiple times. Today, specifically, they asked to speak to XXXX XXXX. I asked who was speaking. The lady on the line said XXXX. I said, " Ok XXXX, where are you calling from? '' She says, " BRG ''. I said, " What is BRG? '' She said, " Is this XXXX XXXX? '' I said, " What is BRG ''? She then says, " Is this how this conversation is going to go? '' I said, " What is BRG? '' She then says, " I am not allowed to disclose personal information '' To that, I reply, " Telling me what BRG is, is not giving out personal information ''. She then says, " I 'll call back later ''. This is not the first time they have refused to tell me what BRG is. Their called ID is very sketchy and says " Unbound '' followed by 5 or 6 numbers. I have never heard of BRG and have no idea why they are calling but I do n't want to even attempt to find out why they are calling if they are n't even willing to identify the company and what it is.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX, TX XXXX Experian, A couple of days ago I was shown a version of my credit file and saw several mistakes. I believe that these items are adversely affecting my credit scores and costing me thousands of dollars in interest every year. 
Here are the accounts that I want verified as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sure you are aware that the provisions of Section 611 of the Fair Credit Reporting Act of 1970 are clear, I want these items to be cleared from all current and future credit reports. 
I would also appreciate if you would please forward me the contact info of any individuals and/or organizations you spoke to so I can follow up with them directly. 
I am certain that 30 days is enough time for your company to conduct the investigation of these items If I am correct on Section 611 ( a ), it is understood that a failure to investigate these entries within a reasonable timeframe gives a reason to permanently drop these items from my credit record. 
Below you will also find the only personal information that should be listed on my credit report as well. 
Thanks,. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$780.00}
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX LVNV Funding- Web bank XXXX XXXX XXXX XXXX , SC XXXX RE : Validation Required XX/XX/year> Re : Account # XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
* Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt * Cease any credit bureau reporting until debt has been validated by me as required under theFCRASend me proof that you are licensed to collect debt in my state. 
: Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above requested proof. Upon receiving it, I will correspond back XXXX you. 
Sincerely. 
XXXX XXXX
Product: Checking or savings account

I had an account with PayPal and I received a direct deposit on XX/XX/year> for the amount of {$720.00} which they decided to lock my account because I try to whitdrawal all founds on account so I received an email on how to unlock my account which I did I send all documentation they ask me and they unlock my account 4 hours after them when they unlock I call PayPal support and they help me to try to withdraw the money but as soon as I end the call they decide to close my account without letting me cash out my money or give me a reason why they decide that and now I cant even get the money to pay rent because they dont want to give me my money back
Product: Debt collection

XX/XX/19 XXXX XXXX I sent a text message stating I had no money to pay. 
XXXX XXXX they called and I spoke to a rep explaining the same. 
XXXX XXXX  they called again and left a voicemail about the debt. 
this is violation of the fair debt collection act as it's a repeated call after I'd already spoken with someone earlier in the same day. This is harrassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several attempts I've made to inform credit bureaus that I've been the victim of identity theft and that I want to check certain entries in my files that the fraud has left behind. The documents I'm looking at have nothing to do with any purchases of products or services or financial transactions that I've made or approved. Please erase from my credit report any information that was allegedly obtained by fraud or extortion, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$720.00} ; DEPTEDXXXX XXXX Balance : $ XXXXDate Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} DateOpened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened:XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX 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 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 ( 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 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 redres : for these violations.
Product: Mortgage

I have a home mortgage with Wells Fargo that I pay timely each month. I also have a HEL that the bank has stepped up the rate nearly doubling my payments. Back in XXXX, I finally received my divorce settlement and have been trying to pay off my HEL and also asked what options the bank had available to me. I wrote the bank, and called the bank multiple times however I have never received a response. I am trying to resolve my HEL with the bank, or find another solution ( refinance ) but after nearly 3 months, no one returns calls. I have requested my home preservation specialist, XXXX XXXX but can not reach him. Thanks you
Product: Credit reporting or other personal consumer reports

DEAR WESTLAKE FINANCIAL I HAVE NEVER SIGNED A CONTRACT WITH YOU. YOU ARE REPORTING ACCOUNT # XXXX TO MY CONSUMER REPORT. PROVIDE PROOF OF A SIGNED CONTRACT WITH MY SIGNATURE WITH WESTLAKE FINANCIAL AND THE SERVICE YOU PROVIDED!!! & OR THE PURCHASE AGREEMENT OF ACCOUNT # XXXX. FAILURE TO DO SO WILL SUFFICE AS INVALIDATION OF THE DEBT YOU ARE REPORTING. 

BEST, XXXX, XXXX