23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

fraudulent charges on their CashApp account. notified CashApp about the fraudulent charges on the account four months ago XX/XX/2022, but has not received any response from the company. 
The facts of the case are as follows : discovered several unauthorized charges on the CashApp account and immediately reported them to the company. made it clear that these charges were fraudulent and should be removed from their account. However, CashApp has failed to take any action in response to these reports. 
As a result, left with a victimless debt on their account that they are not responsible for.
Product: Checking or savings account

We have and original complain under my account and Citibank responded 1. They mentioned that they have mailed a letter to me on XXXX XXXX. That I should wait 10 days for this letter. 
2. The letter never arrived and my account is still blocked.

3. Their resolution was not real.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. I request that the CFPB take action to ensure XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

I sent a wire from XXXX XXXX XXXX to JP Morgan Chase on XX/XX/2023. The wire was held for review by Chase. Chase requested additional information, which was provided on 4 separate occasions between XX/XX/2023 and XX/XX/2023. 

Chase is still holding on to my money as of this am ( XX/XX/2023 ) and is refusing to release my funds for me to close a business deal. 

XXXX  XXXX XXXX advised me to contact Chase as they are not responding to their inquiries ( I have responded to Chase 's request through XXXX  XXXX XXXX- on 4 separate occasion. Chase kept requesting the same information ). 

When I called Chase, all I am getting is the runaround and was told they can not discuss the issue with me since I am not a Chase customer. BUT -- -they are holding onto {$150000.00} of my money. For 14 days. This is stealing. 

I need this issues resolved ASAP and it seems like Chase is unwilling to do so. I have a BML and a TRN number for the wire, and documentation from XXXX XXXX XXXX that this wire was sent and received.
Product: Mortgage

GUILD MORTGAGE CONTINUES TO IGNORE MY REQUESTS AND REFUSE TO PROVIDE ME WITH FOREBEARANCE UNDER THE CURRENT LAW WITH COVID THEY STATE THEY CALL ME OR SEND EMAILS TO WHICH THEY THEN DROP THE BALL AND CONTINUE TO REFUSE ME FOREBEARANCE WHEREBY I CAN PLACE MY MORTGAGE PAYMENTS ONTO THE BACK OF THE LOAN AS THE LAW ALLOWS
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Experian have allowed identity theft and fraudulent accounts to remain on my credit report,
Product: Debt collection

Original creditor loan me. Shark loan. These people should be shut down. Took out loan emergency situation. Did not need the whole {$3000.00} representative explained I had to and that I could pay it back in 24 hours. Intrest would be reduced substantially. Paid back {$1500.00} of loan immediately. Company continued to charge over 100 % of interest on the loan. Misleading tactics. Attempted to settle what was owed. Paid them another {$700.00} to settle and after they still insisted on charging me. Alleging I owed {$1200.00}. Loan was paid in full. Account sold to collection agency XXXX XXXX XXXX aka D. Scott carruthers. I, my sister in XXXX and ex has received numerous phone calls and threats. This company is using unlawful intimidation tactics against me and relative 's. I have saved voice mails from these people full proof of what they are doing. 
Phone calls XX/XX/XXXX XXXX female states I will be at your place of employment and residence. 
XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, threats to come to my place of employment and residence. Final notice. Also called ex this day and time frame. Ex insisted for them to stop calling threat made saying I have a right and I am the law. 
XX/XX/XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX XXXX. Same threats and intimidation tactics as stated above. Same name clearly two different ethnicities. 
XX/XX/XXXX ( XXXX ) XXXX, XXXX, XXXX, XXXX XXXX, stating failed response, will be at my place of employment and or residence to serve me. Final notice. 
XX/XX/XXXX ( XXXX, XXXX, XXXX XXXX. Same threats as referenced above. 
Received letter XX/XX/XXXX from D. Scott carruthers. Stating balance of nearly {$3000.00} {$1200.00} original amount the other so called interest they claim to be charging me. Attempted to dispute with credit bureau. No validation received from this company only a bill with unlawful interest and law suit threats. There are many more phone calls from this company I receive, including my relative 's and friends. They are in violation of the fair debt collections act. They are falsely representing that a legal proceeding will be taken against me unless the alleged debt is paid.
Product: Checking or savings account

I called them on several occasions & they refused to help with refund except one recent in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX SOMEONE OPENED AN ACCOUNT THAT IS TIED TO MY SOCIAL SECURITY NUMBER. ON XX/XX/XXXX I SENT AN EMAIL REQUESTING THEY CHECK THEIR RECORDS AS I DID NOT OPEN AN ACCOUNT. I SENT ANOTHER EMAIL ON XX/XX/XXXX WITH NO REPLY. THE PHONE NUMBER LISTED ON THE CREDIT ACCOUNT DID NOT WORK. 
THE ACCOUNT WAS OPENED FOR XXXX WITH A MONTHLY PAYMENT OF XXXX. 
XXXX XXXX XXXX FOUND NEW CONTACT EMAIL FOR THE FRAUD GROUP. I SENT THEM A NEW EMAIL REQUESTING THEY REMOVE MY INFORMATION FROM THEIR SYSTEM ON XX/XX/XXXX WITH NO REPLY. I SENT ANOTHER EMAIL ON XX/XX/XXXX ASKING FOR AN UPDATE. I AM NOW SHOWING THAT WHOM EVER OPENED THE ACCOUNT HAS MISSED THE LAST TWO PAYMENTS AND IT IS NOW AFFECTING MY CREDIT SCORE DRAMITICALLY AND SHOWS A BALANCE OF XXXX STILL DUE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report XXXX has violated my rights In accordance with the fair credit report FACTUAL DATA has violated my rights In accordance with the fair credit report XXXX XXXX XXXX  has violated my rights In accordance with the fair credit report XXXX XXXX XXXX  has violated my rights 15 U.S.C1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each of the credit bureaus : XXXX, XXXX, and Experian. They have yet to send over a single correspondence to me or respond to any of my disputes. I do understand that there is a pandemic going on, but they are still legally required to provide results. They are reporting inaccurate items on my credit file that need to be fixed. The bureaus are required to respond to me!
Product: Credit card

Capital One XXXX credit card is charging a {$28.00} late fee if the user pays the bill after XXXX ET. 

That's abusive practice because the bill it's due on a certain day, the payment is done online, and the day only ends after XXXX, not at XXXX. 

In my case, I arrived at home from my job around XXXX on the payment due date and proceeded with my credit card payment. Capital One had already charged me {$28.00} dollar for a late fee, even though I did the payment on the due date. 

I contacted them immediately to have this fee waived and it was denied.
Product: Mortgage

In XX/XX/XXXX the servicer for my mortgage was changed to Newrez. In XX/XX/XXXX, the new servicer sent me mails requesting proof of all insurance again. I provided proof of all insurance requested ( Property Insurance, Master condo flood insurance, supplemental property flood insurance and master condo hazard insurance ) On XX/XX/XXXX I provided proof of insurance for Master Condo Hazard insurance for current term, and renewed term ( XX/XX/XXXX - XX/XX/XXXX and XXXX XX/XX/XXXX ). 

I received mail dated XX/XX/XXXX saying I had not provided proof of master condo hazard insurance for period XX/XX/XXXX to XX/XX/XXXX, so the lender has placed insurance on my property for that period and I will be charged for it. I called the customer service number for the mortgage servicer and, they acknowledged that I sent the proof of insurance as requested, and they will not charge me for the lender placed insurance. 

On XX/XX/XXXX, there is an Escrow disbursement of {$59.00} from my account ( Note : My loan account does not have an escrow, since I pay taxes and insurance myself ), which shows up as a negative escrow balance on my account. Also I have till date not received any invoice or explanation for what the {$59.00} charge is for. 

I called the servicer customer service on XX/XX/XXXX to get more information on the {$59.00} escrow disbursement and I was told the {$59.00} charge was for the lender placed hazard insurance for period XX/XX/XXXX to XX/XX/XXXX. When confronted that I had provided timely proof of insurance during that period, I was told the charge would be removed in 5-7 business days. 

Upon checking my account on XX/XX/XXXX, I see that the charge has still not been removed, so I called the servicer customer service again, and this time I am told that the {$59.00} charge was not for the lender placed hazard policy as stated by the customer service representative on XX/XX/XXXX, but it is for the lender placed flood insurance. 

I had provided proof of supplemental flood insurance on XX/XX/XXXX, which I had purchased after the servicer sent a mail saying that the master condo flood policy coverage was not adequate. This proof was provided to the servicer within time frame permitted in the mail. 

As earlier stated, I have till date not received any invoice or explanation for what the {$59.00} charge on XX/XX/XXXX was for. The servicer also does not appear to have a clear understanding of what he charge is for either, since thier customer service gives me different answers at different times.
Product: Debt collection

Repeated phone calls, daily, asking for someone who does not live here. We told them that but they have been calling for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my account on auto pay and didn't have to worry about manually making the payments. Once I see the payment was missed in XXXX for XXXX, I asked them why it was turned off of auto pay and if they can remove it off of my credit and they said no due to it being expired? Its hurting my credit and the account is up to balance.
Product: Credit card or prepaid card

A cording to XXXX  XXXX I signed up for services on XX/XX/XXXX of 2007. I have never heard of this service nor have I never used this service. My bill is {$1100.00} 4 years later after I have paid for my merchandise. I never signed up for this service. XXXX fraudulently allowed this to take place and they are still unwillingly scamming people. It's unethical and not right. I have spoken with both XXXX  XXXX and XXXX Citi. 
Noone seems to know what happened and they have decided not to refund my money back. I have called repeatedly and I would like this issue resolved. Why should I have to obtain an attorney because Cit is allowing XXXX  XXXX to fraudulently take money and hold customers accountable for services that they have no knowledge of until years later if they have paperless statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX  XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX, has violated my rights 15 u.s.c 1681 section 602 A. Stats I have the right to privacy. 15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, and XXXX several times by phone and mail regarding incorrect information reporting on my credit report as collections. The collection companies such as LVNV Funding LLC in the amount of {$620.00} and {$610.00}, XXXX XXXX XXXX in the amount of {$2000.00}, and XXXX XXXX XXXX in the amount of {$1100.00} does not belong to me. I do not have contracts with these creditors. I have not received ant additional information from the credit bureaus showing contracts that has my name, date of birth, address, and or signature stating that I am responsible for the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I opened an account on Saturday. I got a letter from a lawyer XXXX XXXX XXXX on Monday stating he need information about my account. The account has not been active yet and he has access to my information. I feel threatened as he can misuse my information to open other accounts or track my activities without my knowledge. It intrusion of my financial privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Exeter finance corporate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deleted these inquiries delete because I didnt authorize these companies to run my credit this fraudulent
Product: Money transfer, virtual currency, or money service

A " friend '' stole my phone, and because knew my pin number ( he must have seen me tap it, because i didn't volunteer that information ), he was able to send himself {$240.00} without my permission. He then proceeded to change the email associated with my account and my pin. ( The disputed transaction is included in my attachments and has the following timestamp : XX/XX/year> at XXXX XXXX )
Product: Credit card

Chase Bank was supposed to award me XXXX Ultimate Rewards point for reaching a spend requirement within 90 days of opening a Chase Ink Premier Card. They card took XXXX  days to arrive in the mail. When I reached the required spend amount, Chase claimed that I had not reached it in time. Each time I contacted Chase they gave me a different date that I should have reached the spend and never addressed the fact that they sent the card weeks late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan originally started with XXXX. They transferred my loan to Navient I was contacted by Navient They stated that I was behind on my loan. After having my XXXX  audit my student loan payments all of my payments were made. After communicating with XXXX it was determined that they had credited my payments to another account. There were several three way calls between XXXX, Navient my XXXX and myself. XXXX forwarded the missing funds to Navient ( see the attached letter ) dated XX/XX/2019. Navient has reported to all three Credit bureaus XXXX, XXXX and XXXX that my student loan is delinquent ( see the attached copy of the three credit reports ). I have spoken with Navient at least 6 times regarding this issue and filed a complaint. I've also filed a dispute with XXXX each time Navients response is the payments were late so they are correct. 
The payments were late because XXXX posted them wrong. I've made every payment on time and they reported to the credit bureaus that these payments were late is incorrect and need to be removed from my reports. I have communicated this to many times and have spent an enormous amount of time dealing with this issue an issue I did not cause.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., 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 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 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/XXXX
Product: Credit card or prepaid card

In and around XX/XX/XXXX, I wanted to upgrade my American Express Delta Platinum card to the Delta Reserve Card. I went to a web site link for Delta Reserve. It directed me to log into my existing American Express account. I followed all the prompts. One week later I receive my new Reserve card. It was a different number. I destroyed my existing Platinum card. When I received my new card, I followed instructions to link my new card to my American Express account. I expected this would link my account and transfer all information over to the new card. 

In and around XX/XX/XXXX, I got an email notification that my monthly statement was available. When I logged in, I noted that all my usual monthly charges were not in the statement. I called American Express to inquire. I was also charged a 2nd annual fee. {$450.00} when I just paid an {$190.00} fee back in XX/XX/XXXX. I expected a prorate fee charge for the higher tier but not an all new fee. At this time, I realized I now had two AMEX accounts. 

Over four days, American Express told me that I applied for a new card and would not resolve the issue by reversing the transaction or even backdating the change. 

I told American Express that I wanted to upgrade only to the next tier card. They could not reverse the transaction because they emphatically claimed I applied for a new card. I told American Express that at no time did I fill out an application that would require me to provide a social security number, birth date, address, income and other information that a new application for a new card would require. 

This American Express process is very deceptive and it is forcing me to still pay a higher fee than I would have if the card would have only been upgraded. I also filed a complaint with American Express claiming deceptive processes to get me to take a 2nd credit card and 2nd annual fee that I did not want. 

If any questions, please let me know. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

All collections and charge off accounts and hard inquiries needs to be removed immediately from my credit report because it violates my consumer rights the information you have is inaccurate and incorrect and needs to be removed Asap I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the EQUIFAX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consum credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me email to XXXX
Product: Credit card

CareCredit Website : Promotional Purchases : If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date : I had Three promotional balances that were due by XX/XX/XXXX. One in the amount of {$290.00} and the 2nd in the amount of {$310.00} and another the 3rd one in the amount of {$290.00}. Promotional Expiration Date Promotional Balance : Deferred Interest Charge Tran Date Description Initial Purchase Amount XX/XX/XXXX as of the XXXX XXXX XXXX billing statement. I made a payment of {$310.00} on XX/XX/XXXX which paid off the 1 of the XX/XX/XXXX charges in the amount of {$290.00} and the left over amount of {$21.00} was applied to the XXXX XXXX XXXX promotional balance of {$290.00}. I then made another payment in the amount of $ {$190.00} on XX/XX/XXXX but that payment was applied to a promotional balance dated XXXX {$320.00} but none of these payments I have made since XXXX XXXX  and were applied to the promotional balances for both the 3 for XX/XX/XXXX and the 2 for XXXX XXXX add up and make sense
Product: Mortgage

Several things happened with this loan. 
First, the quote I was given by the loan agent was that my fees for the loan in total would be {$1700.00} a flat fee. I confirmed with the loan agent, XXXX and he guaranteed me that would be the fee. 
During the loan process the fee jumped up to {$3200.00}, which was double. I asked XXXX to correct the amount of fees back to what he quoted me and there was no real response other than this is what the fees are. 

Second issue was that I was profiled along the loan process. More documentation was needed for me to produce. Even on property I no longer owned and did not appear on my credit report for years, I was required to provide proof a sale that occurred several years prior to obtaining this loan. 

I was also asked to provide proof of funds in my XXXX and retirement investments. This was unnecessary and was overstepping their need to obtain more details into my finances. 

The loan was for {$150000.00} and was part of a sale for my XXXX exchange so the loan was not for the entire purchase price and what was required of me went beyond what was necessary because I was profiled, which is a form of discrimination.
Product: Credit reporting

I had a collection on my account for 7 years on all XXXX of my credit reports and when it was time for it to come off the company went and got a judgement against me. Is this even legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

Anyone can send a bill and claim ownership, therefore an itemized bill does not imply that the debt is valid.
Product: Mortgage

Despite repeated requests, Bayview Loan Servicing , LLC has failed to correct the monthly payment due amount on my account and continues to erroneously report my account as late to the credit reporting agencies, thereby adversely affecting my credit. In addition, Bayview unilaterally altered the terms of my loan to include an escrow account.