23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX I lost my job, the account became delinquent in XXXX of XXXX. In XXXX of XXXX I contacted Flagstar in an attempt to bring the account current. Flagstar instructed me to contact Loss Mitigation, which I did in XXXX of XXXX. At this time I submitted the requested information to XXXX XXXX XXXX as instructed by Loss Mitigation. Flagstar contacted me and informed me that they were no longer working with Loss Mitigation. I believe that this is the point in which the account became entangled with multiple departments. Loss Mitigation instructed me to continue making payments, which I did. In XXXX of XXXX my payment was rejected and foreclosure proceedings were initiated. I continued to contact Flagstar to try and remedy the account. I was now dealing with Flagstar and XXXX, XXXX, XXXX, XXXX and XXXX, LLP as the foreclosure representative. I retained an attorney and neither my attorney nor I were able to get payoff information from Flagstar or XXXX, XXXX, XXXX, XXXX and XXXX, LLP after repeated requests. I finally got a payoff amount and paid the loan and legal fees in full. 

I believe that at the point that Flagstar ceased working with XXXX XXXX XXXX my account became entangled in Flagstar system and therefore foreclosure proceedings began. Was I able to complete the home retention program then the foreclosure would not have been initiated and it would not be on my credit report. My attorney requested a refund for over payments totaling {$20.00}, XXXX and got no response. I repeatedly requested a refund for the over payments and received a partial refund of {$5400.00} on XXXX XXXX, XXXX. I repeatedly requested an accounting of the account and all I ever received was a letter that stated they applied payments to my account. They refunded the {$5400.00} as a " good faith '' effort. 

I am requesting that due to the circumstances described above and that I was working in good faith with Flagstar as instructed that the negative foreclosure information currently on my credit report for Experian, Equifax and TransUnion be removed. I am also requesting that I am refunded the additional {$14000.00} ( {$20000.00} - {$5400.00} ). I would also like to be awarded damages from the settlement announced in XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

Since XX/XX/year> till present present time Rapidcash has lied about not receiving payment of my loan. Proof was sent many times to many different emails provided by Rapidcash managers. Bank statements sent via email were confirmed received by Rapidcash via phone directly after emails sent. Copy of receipt showed paid in full also sent and confirmed received. They have harassed me, lied, and caused my XXXX XXXX due to severe stress. I'm due monitory compensation for the extreme abuse and health issues they caused me.
Product: Vehicle loan or lease

I asked the company to come get the vehicle as voluntary repossession. The company failed to come get the vehicle at request time frame and made it as it was regular repossession and put it as late payments on my credit report. The company told me in order for the car to be repossessed I would have to stop paying on it and thats what I did. Now its negative reports on my credit from this company and it is still on my report as if I have the car and the car has been sold. The company is fraudulently reporting on my credit and still have it as I own the vehicle and I dont.
Product: Debt collection

This goes to TRANSUNION and XXXX my credit was ruined by several illegal companies, I have told you both for years to send me proof you have not. I have sent you XXXX and XXXX office a letter saying inparticular XXXX CREDIT CARD was owned and started by XXXX XXXX in XX/XX/XXXX I was an authorized user only in XXXX. I have provided you with a letter from XXXX XXXX who states this, also you also DID NOT mention fact the card was also identity theft and i sent paperwork to you XXXX, you have not complied with sending me any FORMAL signed paperwork to me from XXXX in four years or recently from consumerfinance.gov filings, # XXXX, XXXX. I however have. Federal Trade Commission and other government agencies and consumerfinance.gov not only do not look kindly on XXXX BANK not providing proof I Was a co-owner of card or authorized user only, but not shown you second reason card does not belong on account which is fact It was identity theft. Both TRANSUNION and XXXX are in direct violation of conspiring to embezzlement with XXXX BANK by not removing me from my credit for four years. I also sent a letter over a month ago FEDERAL TRADE COMMISSION approved telling TRANSUNION and XXXX it has not complied with these laws for year ruining my health, credit score and job score and then some. And when XXXX BANK was removed you allowed them to go bank on costing me over XXXX points in one week combined with XXXX crediting companies. I Am building a huge case against XXXX BANK for several other issues, if TRANSUNION wants to continue or its employees breaking the law, now that I will have all crediting companies employees involved with not handling these issues last years properly investigated, fined and more in my case I have against XXXX in over XXXX bank, credit card and bad faith insurance issues. I am sending this to XXXX in which they were sent the 30 day compliance letter over 50 days ago. I suggest TRANSUNION and XXXX call me asap at XXXX with a correct number and be ready to settle this or you will be put into the case I have against, XXXX BANK, XXXX BANK only sent you a letter they did not send any proof, anyone can write a letter from an establishment but if I was a co-owner where is my signed XXXX BANK CREDIT CARD co owner paperwork, plus the card was identity theft, KNOW THE LAW. You are breaking it, I de nounce your other consumerfinance.gov responses is treason, conspiring to commit fraud, embezzlement, possible taking of bribes, breaking federal trade and other regulation laws. And at this time, 4 years of bad credit scoring could cost TRANSUNION and XXXX millions of dollars and fines and employment loss and bad media coverage if not handled immediatley. I spent hours and hours trying to handle this you need call me and do the right thing, XXXX BANK is being sued for over {>= $1,000,000}, if you want to join this issue then do n't comply, it only proves my case more and hurts your credit companies that much more. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are several accounts appearing on my credit report. i do not recognize these as mine. someone has fraudulently opened these accounts and they cant be reported on my credit. there is a XXXX XXXX/XXXX account opened XXXX XXXX a XXXX bank delaware XXXX XXXX XXXX a XXXX account XXXX XXXX XXXX a XXXX XXXX XXXX opened XXXX XXXX a XXXX XXXX XXXX co XXXX XX/XX/XXXX XXXX another XXXX XXXX XXXX co XXXX XX/XX/XXXX and lastly an XXXX XXXX XXXX XXXX XXXX was opened in XX/XX/XXXX 2013
Product: Mortgage

In  XXXX , I separated from my husband. My daughter and I continued to live in the house and pay the mortgage. I later asked the mortgage company to give me a statement and was denied because my name wasnt on the house. I asked if the house could be put in my name because I was paying the mortgage and was told no. I then asked could they tell me where the payments have been going and they said no. The mortgage company refused to discuss anything with me and said they would only speak with my husband. They requested that I send in check stubs, approval from my ex-husband giving me permission to ask for information on the house which I did. I sent in all requested paperwork for months and months with no resolution. The crazy thing is that I signed as the co-borrower when we first got the house so why not put it in my name. I should not have had to get my ex-husband to authorize the mortgage company to speak with me. I even tried to sell the house with a realtor helping me. She was getting the run around just like me because they kept asking her to fax the same paperwork over and over again. After we divorced in  XXXX , I was still denied information on the house and told that my ex-husband could come and take the house away from me at any time he saw fit. I was upset because I had been paying the bills with no paperwork saying where the money was going and told I dont have any claim to the house. After all the drama with the mortgage company, I decided to leave.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the numerous inaccuracies and unauthorized activities reported on my credit file, as well as the ongoing issues with your handling of my case. My ordeal began in XXXX, and despite multiple attempts to resolve these issues, I have faced persistent neglect and unresponsiveness. Unresponsive Customer Service : Each time I call your office, I am directed to representatives who lack proficiency in American English, making effective communication nearly impossible. Furthermore, I have repeatedly received letters from your agency stating that you refuse to investigate my disputes, claiming that a credit repair lab is involveda claim which is completely untrue. I have submitted a valid police report clearing my name, yet your agency continues to disregard it. Inaccurate Personal Information : Even my basic personal information, including my name and address, is incorrect on your records. Please note that my correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX It is unacceptable that this misinformation persists despite my repeated attempts to correct it. Unauthorized and Bogus Inquiries : I have identified several unauthorized inquiries and accounts on my credit report that I believe your agency has mishandled. These include : XXXXXXXX XXXX XXXX ( Account ending in XXXX ) {$22000.00} ( Reported on XX/XX/XXXX ) Account ending in XXXX {$32000.00} ( Reported on XX/XX/XXXX ) XXXX XXXX  XXXX ( Account ending in XXXX ) {$1100.00} ( Reported on XX/XX/XXXX ) Additionally, I have noted the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX I have never provided permissible purpose for these inquiries, nor have I authorized the establishment of these accounts. The persistent presence of such items leads me to believe that your agency has failed to take adequate measures to protect my credit file.
Product: Vehicle loan or lease

On XX/XX/XXXX, I sent them a letter disputing about the account reporting on my credit report, I stated the following : Greetings! I recently got declined by many financial institutions for having the charge off on my credit report that is being reported by BMW FINANCIAL SERVICES. I would also like to point out that my consumer information currently is not being accurately reported and is causing injury to my family by not being able to acquire goods and services I need for our home. There was a " Charged Off '' that BMW FINANCIAL SERVICES adversely reported on my credit report as a Charged Off account. 
We are both aware that BMW FINANCIAL SERVICES as well as all other businesses lawfully acting in commerce utilizes the IRS form 1099C Cancellation of Debt for the remaining debt obligation not recovered. From my limited knowledge and tax obligations for the year of 2023, such an IRS form is then reported as " INCOME '' and not as a " DEBT '' on a consumer 's tax filing requirements. While the business can cancel/ write off the account receivable '' as a " BAD DEBT '' and receive a tax deduction as mentioned in the IRS XXXX XXXX. 
This current issue of BMW FINANCIAL SERVICES furnishing this inaccurate information on my consumer credit report is clearly not only going against the rules of construction in the area of " exclusions '' of " reports containing information solely as to transactions or experiences between the consumer and the person making the report '', This inaccurate information as to what the IRS Publication XXXX defines as " Income '' and not " Debt '' is being furnished to third XXXX data furnishers as well. 
Perhaps this is a small oversight that BMW FINANCIAL SERVICES is not aware of and can address quickly at no cost by submitting a request to XXXX, XXXX, XXXX, and XXXX to remove this inaccurate derogatory account from my credit profile since the DEBT has be canceled and reported as INCOME as well as to stop the current injury so that me and my family can continue to prosper just like you and yours. 
With that in mind, If for some reason this is not the correct understanding of the " exclusions '' part in the construction of a consumer 's credit report with accurate information and the correct IRS reporting a " Debt '' charged off and reported as " Income '', please let us know with supporting details so that we can be better informed consumers and honest taxpayers. 
Please advise at your earliest convenience as to how we can rectify this current situation peacefully. I'm up at XXXX writing this letter and I am really emotionally bothered about this reflecting on my credit as a derogatory report which is defamation of my character and it's starting to affect my mentally at XXXX XXXX XXXX XXXX XXXX If your company fails to respond within a period of ten ( 10 ) days form the date of receipt of this letter, then the account must completely deleted form my credit report, and a copy of such deletion request should be send to me. 
Surely blessed are your eyes because they do see and your ears because they do hear. 


And until now they have not replied nor delete the account off my credit report.
Product: Bank account or service

Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I have become a victim of identity theft. There are addresses on my report which do not belong to me. My address is XXXX XXXX XXXX XXXX XXXX, NJ XXXX.Please take this matter very seriously. I hope your agency takes the full extent of federal law into account when dealing with cases like this. I am completely willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to assure everything is being done to remove these fraudulent inquiries from my report. Please be aware all required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency.
Product: Credit card or prepaid card

On July 17, while on vacation I went in to shop at a XXXX XXXX in XXXX XXXX, XXXX. It was a good shopping experience. I had no complaints. However, I was set up to apply for a card I did not want. I was under the impression I was applying for a rewards membership for a discount. At the end the cashier told me I had to take this up with the bank to cancel the application. Upon attempt to contact Comenity Bank, I had no luck speaking to an actual person. Come this week, when I was checking in on my scores on XXXX XXXX, I came to realize there is a hard inquiry on my report. This matters to me as I have been working to improve my scores. I again attempted to speak to a rep at Comenity Bank and after an hour wait, they said they couldn't help me. I would not agree to purchase a credit card for a store that is not located where I live. I'm not sure what can be done at this point, but I do not appreciate a hard inquiry on my credit report.
Product: Vehicle loan or lease

I recently discovered that my name is associated with a car loan that I have no knowledge of. This is a case of fraud, and I need it removed from all three of my credit reports immediately. I have sent XXXX certified letters to all credit bureaus and to Global Lending Services, but I have not received any responses, and it has been over 30 days. This erroneous repossession is not mine and is hindering me from applying for student loans for my son 's final semester. Please remove this fraudulent account from my credit reports immediately.
Product: Credit card

I made a purchase on XXXX XXXX on XXXX and the total payment {$90.00} consists 1 ) {$82.00} from citibank MCARD XXXX, 2 ) XXXX XXXX {$7.00}. This is a purchase but the transaction was categorized as " Cash Advance '' and I was charged {$10.00} cash advance fee and {$1.00} interest. 
I contacted Citibank may times and Citibank said XXXX sent wrong transaction category. I contacted XXXX many times and XXXX said they sent correct transaction category. They asked me to talk to the other party but do not take action to correct the issue.
Product: Credit card or prepaid card

On XX/XX/22, I was involved in an imposter scheme in which I received an email at my workplace on my work email from someone who claimed to be the CEO of my company in XXXX. I had just started working for this new company so I was relatively unfamiliar with all the people, but the name matched up. 

This person asked me to purchase some giftcards to gift to employees, which I did. At XXXX I purchased XXXX giftcards of {$500.00} each for a total of {$2000.00}, pursuant to his instructions. He asked me to send him pictures of the giftcards and receipts so he could record the expense in XXXX and then I was to give the giftcards to the employees. 

Unfortunately, I realized about an hour later that this was not the CEO of my corporation. When I checked the giftcards, the balance was now {$0.00} on all of them. That day I filed a police report in XXXX XXXX, IL, where my workplace is located and also filed a report with the FTC to report the scam. 

I let my credit company company know that day what had happened and that these transactions were the result of a fraud scheme. They opened an investigation into the transactions, but never asked for any supporting documentation. On XX/XX/22 they denied the claim. 

I reached out again and said that I had a police report as well as transcripts of the communications which could substantiated my claim, so on XX/XX/22 they reopened the investigation and asked that I send them a copy of the police report. I did so, to an email they provided, but never received any confirmation. On XX/XX/22 they again denied the claim saying that there was " no evidence of fraud. '' On XX/XX/22 I sent letters to some executives at the company explaining the situation. On XX/XX/22 I received a phone call from a woman who said she was an assistant to an executive at Goldman Sachs, and she said that upon looking at my account they had never received a copy of the police report I sent. I said I would be happy to resubmit it along with any other supporting documentation that might need. She said that she would check and let me know what to resubmit. 

A few days later on XX/XX/22 she called me back and let me know that there was nothing they could do -- I would have to seek to get my money back from the Police Department by pressing charges. I let her know that the Police Department had told me that they would most likely never find this person as they are almost certainly overseas. She said she was sorry. I was never even given a chance to submit any of the support documentation that they had never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX Vehicle was repossessed sale or intent of notification to sell was not issued Loan balance is {$13000.00} Car value at the time of repossession {$12000.00} remaining balance would have left a {$1500.00} balance give or take fees Spoke to the company about my debt around XX/XX/XXXX to arrange a payment schedule on the remaining balance however their 3rd party debt service vendor was not very helpful and tried to say that restrictions set in place by the loan provider does not allow for a low settlement payment the payment offered was {$8000.00} for a settlement to be paid in {$2000.00} a month payments for 3 months this is highly unacceptable and also the refusal to update information on my credit reports if I did start to pay the balance is unacceptable and is a Vicious debt collection practice
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 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 and I seek appropriate for these violations.