23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Open up claim XXXX Apparently Rodenburg still has failed to provide all communications between me and XXXX XXXX XXXX. and has selectively selected a few correspondences of which I did not see enclosed to them only. I have repeatedly requested information and questions to be answered from XXXX XXXX XXXX who failed to response to those and failed to forward over to Rodenbury of which I have requested all communications and identification of legal entity due to risk of fraud. Please forward copies of those communications which explains the situation. XXXX XXXX XXXX needs to take ownership of their billing tactics in rejecting patients or harassing them upon entrance upon appointments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On today XX/XX/XXXX Experian posted that my lender XXXX has reported {$5000.00} balance but i spoke to them and they confirmd that thy only report once after my closing statement the XXXX of every month. I have a statement which i have attached, plese see below. 
This is an on going thing with the credit bureaus especially XXXX, Experian and XXXX. Under the FCRA all consumer rreport so be accurate. Experian and XXXX both said the lender updated the information but its impossible because if they only report once after the XXXX of every month why would they send the XXXX and then again the XXXX? 
This information is inaccurate and it is hueting my score as well as my uilization. There needs to be a better way and time to the responses because by the tim they repond they score would change and it is defetaating the purpose on my end of trck my score and usage if these bureaus are going to change on there own. I need to know who reported this and why. I am frustrated and i will sue each bureau for this inaccuate information and the hurt it is causing me. Please attach proof of amount due which should be 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX ( Original Creditor : XXXX XXXX ) Balance XXXX {$3700.00} ; XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit card

On XX/XX/XXXX I saw an email come through stating that I had placed an order on Kohls for XXXX XXXX on XX/XX/XXXX. I immediately contacted Kohls at a little before XXXX EST. I told them this was a fraudulent purchase and asked them not to ship the item. They said it was too late and that I would have to return the item to the store when it arrived, which I did. I then asked for the credit card account number to be changed and a new card to be sent. I received two new cards with the same account number. Today I saw an email reminder that I had a bill due and there was a balance of {$63.00} on my account. I called and asked why there was a balance because I returned the item. They said that I used the Kohls cash that was awarded when the purchase was made. I informed them that this was a fraudulent charge so the Kohls cash should have been immediately canceled and that I returned the item without using the Kohls cash. I asked them to give me a credit to my account as I shouldn't be held accountable for someone else using the Kohls cash since I told them it was a fraudulent charge on XX/XX/XXXX and the Kohls cash couldn't be used until XXXXThey said there is nothing they could do regarding the balance, but they could give me Kohls cash in it's place. I accepted this as the bill is due today and I didn't want to then be responsible for a late fee on top of this. The entire process has been a nightmare. They should have been able to cancel the order and not ship it out since it had been less than 24 hours, they should have canceled the Kohls cash since it was attached to a fraudulent charge, they should have been able to send me a new card with a new account number instead of duplicate cards, they should have been able to credit my account the balance so I didn't have to pay. Now I have Kohls cash that I need to use and haven't shopped at this store since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There are XXXX addresses on my trans union credit report that are not mine, and never were. There is XXXX XXXX negative reporting, that should be off, It's over 14 years. There is also things that were applied for and are not mine. My social security card was stolen.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. I have a Neiman Marcus Store Credit Card. On XX/XX/XXXX I tried to make a online purchase and the purchase was declined, I knew that I had money available on this card. I called customer care and was told that there was a block on the card from XX/XX/XXXX because of fraudulent activity on the card. I knew this was not true because used the cared in XX/XX/XXXX to make a purchase at the Neiman Marcus store in Washington DC. This is the second time this has happened to me, the bill has been payed on time every month never been late ever since the card account was opened. Back in XX/XX/XXXX they sent me a gift card for {$50.00} for opening the account. I used the gift card and then charged my Neiman Marcus Card. I called the customer service number on the back of the card and the agent was very nasty and placed a fraudulent activity of my credit card, and this keep reoccurring. For Nieman Marcus to be a High End store there customer service is horrible, and this account doesn't fit the criteria for fraudulent because nothing fraudulent has ever occurred on this account. I am XXXX years old and this has been my worst credit card experience. Khols treats there customers better than this.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practice which violates the customer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected furthermore theyre dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. These action has caused significant. Inconvenience and financial loss. and I seek appropriate redress for these violation.
Product: Checking or savings account

XXXX attempts to open a checking account were made on XX/XX/XXXX with US Bank XXXX XXXX ND. I found out about this when the bank sent a letter an attempt to open an account had been made but could not be completed as they were unable to verify my identity. I called US Bank to report this was a fraudulent attempt to open an account and they have noted that. They told me of XXXX other attempts to open an account during the call, and both of those were also stopped. I am suspicious that my identity was stolen when traveling through XXXX when I checked in to the XXXX XXXX in XXXX on XX/XX/XXXX.
Product: Credit card or prepaid card

I agreed with Homedepot to replace my roof in XXXX XXXX. I applied for their credit card because the interest free offer for 24 months. I charge {$11000.00} for the complete job on the credit card.

The job was not done and the contractor stop responding to my requests to complete the repair. I called all the contacts I have for Homedepot and no one responded so I tried to dispute {$2700.00} of the charge on the credit card but the credit card would not want to initiate the dispute. I came here and file a complaint ( XXXX ). The credit card responded by initiate the dispute. 

The letter stated that it will take 120 days, which has passed for the investigation. As of today, XXXX XXXX, I did not receive a corresponding that the dispute is resolved. I have called them continuously for an answer and they flaunted with me by saying they need three weeks more or three days more to give me a resolution of the dispute. 

Today they said that they sent a letter to me in XXXX ( which I never received otherwise I would not have continuously call ). The person answered the phone at XXXX said XXXX XXXX is not available but someone else said that the dispute was closed in XXXX in favor of Homedepot. 

However, I received a letter dated XXXX XXXX, XXXX stating the dispute is only for {$2000.00}.

Homedepot did not complete the work and a contractor will charge me {$2000.00} to finish the work. Initially {$2700.00} but Homedepot does not want to pay for a damaged Sky window their contractor cemented closed on the roof that got damaged when I try to open it on a nice day.
Product: Mortgage

We refinanced our home earlier this year XX/XX/XXXX.During this process we discovered that the new company that 's servicing our loan had some extra fees involved to get the loan closed.When we asked what were these charges for they told us it was for unpaid property taxes that was due in XXXX that our previous mortgage company was suppose to pay out of our escrow account.We would n't have never knew that our taxes was in default in we was not trying to refinance our loan..I 've tried to settle this with my previous mortgage company and they are saying that they are not paying the back taxes back to us.We have provided proof that they have now been paid and we just want to be reinbursed for the money we had to pay which was their job to pay in out of our escrow account.Any kind of help with this matter will be greatly appreciated
Product: Debt collection

Affirm accounts opened XXXX reporting as a charge off/written off with a balance of {$1200.00}. - company still reporting fraudulently as a negative debt, however, the company has filed it as a loss and did not provide me with a 1099C to report as income. 

Affirm account opened XXXX reporting as a charge off/written off with a balance of {$160.00}. This account was paid in full, company fraudulently reporting as a negative debt, however, the company has filed it as a loss and did not provide me with a 1099C. 

Affirm account opened XXXX, reporting as a charge off/written off with a balance of {$170.00}, Company fraudulently reported as a negative debit, however, the company filed it as a loss and did not provide me with a 1099C to report as income. 

Affirm account opened XXXX reporting as a charge off/written off with a balance of {$580.00} Company fraudulently reported as a negative debit, however, the company filed it as a loss and did not provide me with a 1099C to report as income.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX credit card was paid in full XX/XX/XXXX and account closed XX/XX/XXXX ( see attached ). However XXXX is reporting status the account 30 days past due and showing delinquent on XX/XX/XXXX. XXXX and Equifax show account paid and account closed and NOT delinquent ( see attached ). However Equifax is showing reporting on until XX/XX/XXXX when account was closed XX/XX/XXXX.
Product: Debt collection

On XX/XX/2021, I had written to MOUNTAIN RUN SOLUTIONS LLC, and ask that they validate the debt. I received a validation letter from them and it was not my signature. Which I already knew because this debt had been sold from a previous collection agency that I had to contact you about before. 
In their response letter on XX/XX/2021, included the falsified signature which I knew, and a letter stating they purchase the debt from XXXX whom I have never signed a contract to do any business with. In the letter, they stated I can settle the debt for {$2000.00}. 
And they sent the response letter in an envelope with their logo and name posted boldly on the front of it. 
I wrote them another letter on XX/XX/2021, letting them know about the FDPA act and to please send me {$2000.00} dollars for a violation of my rights. They turn around and sent me the same information on XX/XX/2021. And never removed it from my credit report.
Product: Mortgage

I am currently being reviewed for a loan modification that was submitted. Mr. Cooper has set a foreclosure sale date while the review process is moving forward. This is a clear violation of Dual Tracking, RESPA and Regulation X. The RESPA rules are contained in Regulation X, which the CFPB amended effective XX/XX/XXXX. The amendments impacting foreclosure defense are in Subpart C, 12 CFR 1024.30 et seq. Section 1024.41 governs the loan servicers obligations in evaluating and responding to modification applications and contains the provisions aimed at eradicating double tracking. 

The alleged overdue payment amount of {$120000.00} is incorrect mathematically. My interest payments are {$360.00} per month, which means that Mr. Cooper is stating that I am 338 months past due. This is impossible since the loan is not over 28 years old. My loan originated in XXXX, so it is 17 years old. Mr. Cooper also alleges that {$17000.00} in legal fees are due, with no proper accounting issued to prove the charges. Mr. Cooper also alleges that {$62000.00} is due for past due escrow, which is impossible since the loan contains an escrow account. Altogether, Mr. Cooper is stating that the total amount due is {$280000.00}. It is clear that Mr. Cooper is equity skimming and equity stripping with fraudulent accounting since there is significant equity in the property. This is a violation of UFTA 740 ILCS 160.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called companies XXXX XXXX XXXX XXXX about incorrect information & fraudulent activity. Also called XXXX about incorrect information and fraudulent activity. 

Called Comenitycb/overstock about incorrect information and fraudulent activity. Called XXXX  about this also. 

Placed a creditlock with XXXX. 

XXXX placed a fraud alert on my account.
Product: Prepaid card

I am following up on a closed complaint with American Express, complaint # XXXX, where they were supposed to have sent a check for {$250.00} for a gift card that did not work anywhere I tried to use it. The check was supposed to show up XXXX business days after XX/XX/24, it has still not arrived. The resolution file with this info is attached.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

EXPERIAN : [ XXXX XXXX XXXX XXXX ] THIS ACCOUNT WAS LISTED ON MY CONSUMER REPORT MULTIPLE TIMES. XXXX LISTED FOR {$150.00} WAS REMOVED. THE OTHER LISTING SHOULD BE IMMEDIATELY REMOVED DUE TO REPORTING INCONSISTENT BALANCES ACROSS THE BUREAU. 

XXXX : [ XXXX XXXX XXXX ] XX/XX/year>. THERE ARE MULTIPLE LISTINGS FOR THIS ACCOUNT ON THE CONSUMER REPORT. THIS IS INJURIOUS TO MY CREDITWORTHINESS AND SHOULD BE DELETED IMMEDIATELY DUE TO INACCURATE AND INCONSISTENT BALANCES ACROSS THE BUREAU. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Checking or savings account

Ally Bank has retaliated against me for filing a complaint with CFPB and FDIC. After months of failing to address unauthorized withdrawals from XXXXne of my six ( 6 ) accounts and shortly after my complaints to the CFPB and FDIC about multiple unauthorized withdrawals, Ally Bank sent me a notice on XX/XX/XXXX ( dated XX/XX/XXXX ), that they are closing all my accounts on XX/XX/XXXX. This is blatant retaliation for my filing of a complaint with the CFPB and the FDIC. See their letter attached to this complaint. ( It should be noted that Ally has returned all unauthorized withdrawals. )
Product: Checking or savings account

On XX/XX/XXXX, the date of the XXXX issues, I got a haircut that I paid using XXXX XXXX. It was the only system working at the time. XXXX XXXX deducted the money from my account twice. The merchant confirmed they only received a single payment. I provided this information to XXXX multiple times ; however, despite all evidence confirming this was their error they have refused to refund the duplicate charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE ANY OF THESE INQUIRIES JPMCB CARD SERVICES
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance {$84.00} ; XXXX XXXX XXXX XXXX XXXX -.
Product: Debt collection

They have placed this collection on my credit selling repetitively from one collection agency to another after I told them that this i'snt my account!
Product: Money transfer, virtual currency, or money service

I am currently here writing this message to formally express my deep concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is absolutely unacceptable and raises serious concerns about consumers safety. They have truly failed me and told me it was nothing they could do about it.
Product: Credit card or prepaid card

I put in a dispute to BarclayCard and was denied. I sent a letter to the fraud dept with all the documents supporting my claim. They denied my claim due to it was passed the 60 days of purchase. We did purchase in advance but since this was a vacation we did not know fraud had taken place until be traveled on XX/XX/XXXX. Immediately once we returned we send a letter to Barcaly explaining the fraud with all the document supporting our claim. I put in a dispute for the full amount of {$1600.00}. 


I charged a vacation through a travel agency XXXX/XXXX on XX/XX/XXXX for XX/XX/XXXX XXXX, XXXX. {$1600.00} was the cost for 4 nights hotel only. Before arrival in XXXX, I called the resort several times directly and they confirmed they had my reservation. I also confirmed my reservation on XXXX website and it showed my reservation was active and paid in full. However, we flew to XXXX on XX/XX/XXXX and upon arrival at the resort to check-in, they informed us that XXXX XXXX canceled our reservation on XX/XX/XXXX. We never contacted XXXX XXXX to cancel ( nor did they refund our payment ). We had just traveled from the US to XXXX for 12 hours and since the resort was not paid by XXXXXXXX XXXX we were forced to pay a 2nd charge directly through the resort for the exact same reservation from XXXX/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Equifax, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609a ) 1 ) ( A ) & Section 611 ( a ) 1 ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately since the original documentation was not provided therefore the account can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In reference to tracking number XXXX, XXXX opened a deposit account and funded by XXXX to pay the property taxes. Seterus changed it to a deposit account opened by Seterus and funded by home owner in violation of the terms and conditions of service transfer agreement between XXXX and Seterus. The reason XXXX did the way they did is that the mortgage is principal and interest payment only and they honored it. Seterus violated it. If Seterus argument that XXXX opened an escrow account based on XXXX crediting {$0.00} of my excess payment towards mortgage, they need to say so clearly and unequivocally. Seterus already admitted ignorance of what XXXX did and yet they claim they opened an escrow account based on {$0.00} credited to the deposit account...
Product: Money transfers

hello, i made a mistake. Instead asking money with paypal i sent it. 
He does n't want give money back.
Product: Mortgage

I am filing a complaint against Selene XXXX for their handling of my mortgage, which has placed me at risk of foreclosure due to their refusal to work with me to bring my mortgage current. I purchased my home in XXXX. There is over {$400000.00} in equity in my home. 

I am behind in my mortgage XXXX  months as of XX/XX/XXXX. My last payment was in XXXX. XXXX. 
I missed XXXX and XXXX, and then selene refused to let me make payments to catch up on my Mortgage unless I could pay 3 months mortgage. 

My income was impacted by my health issues in the beginning of the year, but has now significantly improved. ( I am self employed ). 



Despite informing Selene XXXX of my temporary hardship caused by health issues at the beginning of the year, they have repeatedly denied my requests to catch up on payments or offer a modification to my mortgage. I am self-employed and have significant equity in my homeapproximately $ XXXX Selene XXXX has not shown willingness to provide any viable options to avoid foreclosure. 

In my interactions with Selene XXXX XXXX They refused to allow a plan to bring my mortgage current, which I would have been able to comply with given my current financial status. 
They denied my application for a mortgage modification despite my explanation of the temporary hardship and efforts to recover financially. 
This lack of support from Selene XXXX has increased the likelihood of foreclosure and has put my home at risk. I believe Selene XXXX XXXX refusal to work with me is predatory and unfair, especially considering the substantial equity I have built in my home. 

I am seeking the CFPB 's assistance to investigate Selene XXXX practices and ensure they provide fair and reasonable assistance options to homeowners facing hardship.