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

On XX/XX/XXXX, I received a prepaid card from the Equifax Settlement Administrator ( http : //equifaxbreachsettlement.com ). The money was pre-loaded to the card and I expected that I would be able to use the card like money. 

However, it turned out that the card included a mandatory feature that would require that additional XXXX XXXX funds were available on the card whenever a payment was made to a restaurant ( XXXX XXXX XXXX XXXX XXXX. For example, I paid at a deli for XXXX, however, my balance was reduced by XXXX until the transaction fully settled. 

A set-up like this prevents consumers from using their funds fully and locks the money at the debit card, leading to a loss of funds. Given that a settlement is for {$420.00} XXXX, a significant loss to consumers will occur, and the gains will accrue to the debit card company and potentially to the XXXX  XXXX. 

Additionally, communicating with the XXXX XXXX is nearly impossible. I was ignored for over a month until I reached out to the settlement attorneys who escalated the matter, yet I wasn't helped anyway. I believe the XXXX  XXXX deliberately delays communication to further encourage people to abandon their money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I am sending this CFPB complaint and am filling this complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the TransUnion credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX XXXX  of receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX, XXXX with a balance of {$49000.00} auto loan account opened at XXXX on XX/XX/XXXX, under the account number XXXX a secured loan account opened at XXXX XXXX on XX/XX/XXXX, under the account number XXXX, and a secured loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$20.00} under the account number XXXX appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX, Under the account number XXXX on XX/XX/XXXX with a balance of {$280.00} A Credit Card account open up with XXXX XXXX  XXXX XX/XX/XXXX, under the account number XXXX, with a balance of {$250.00}, XXXX XXXX XXXX Account on XX/XX/XXXX, XXXX under the account number XXXX with a balance of {$59.00}, this have resulted in several fraudulent hard inquiries and fraudulent collections appearing g on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you, which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not open, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft.
Product: Mortgage

This is my 2nd complaint to the CFPB on Bank Of America ... My Home Modification that was offered is a Predatory Loan. BOA conducted a appraisal on the home with the value being {$200000.00} they are offering me a modification of {$360000.00} which is over the market value of the area. I have sent and appealed numerous times. I signed the loan offer under distress because I am tired they are charging me the back fees on the loan which the original amount was {$250000.00} and I filed a chapter XXXX bankruptcy which has been discharged for the pass balance or the total balance for that matter and I keep explaining that to them. So now they have sold the loan and they keep resending the paper work and wo n't accept it because I put under distress under my signature. This is very wrong ... I am trying to keep my home, I have made all the trial payments and feel like my hands are tied, but I do n't think this is a proper practice when they are selling the exact same homes for {$190000.00}. It is highway robbery!!! They should not be able to take advantage of the middle working class. I fell behind on the mortgage because my husband picked up and left without notice and the payments where already behind and I was unaware, then I found out that I was pregnant and I could n't afford the mortgage payment on my own. So if the house was never worth {$360000.00} and the current value is only {$200000.00} and they are selling between $ XXXX {$190000.00} how will I ever come from under that? I have sent comparable listings, their listings, and their appraisal that they ordered and they are still requesting that I sign into this loan. I have XXXX young children and do n't want to start over. They are putting the balance on the end of the loan as a balloon and restarting the loan on a 40 year term to make the payments affordable. But I feel that this is unjust and that a bank as big as Bank of America should not treat people this way. If I moved they would only get {$190000.00} for this property on top of have to spend between $ XXXX {$20000.00} to make it move In ready. I need help ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 A states I have a right to privacy. 
Equifax as well has violated my rights as an consumer 15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.
Product: Debt collection

Hello, I contacted iq data international on XX/XX/XXXX about a debt that was owed for XXXX which we came to agreement to settle for XXXX dollars which XXXX was paid on the XX/XX/XXXX and remaineding would be paid on XX/XX/XXXX and as part of the agreement I would have this collection removed from my credit and I would get a email showing that I had pay the debt. On XX/XX/XXXX I did not receive a email showing that I had completed the agreement and paid the debt. I decided to contact iq data international which I was treated rudely when I spoke with representatives about sending the email that we had agreed on.i called several times during the day which all I was told that it would be sent by the end of business day. The business day ended and still no email and they are closed on the weekend. So I called on Monday XX/XX/XXXX and asked to speak with the manager XXXX XXXX extension XXXX who was very rude and unprofessional and told me should would not be sending my email as we agreed when I made my settlement. She said now I will have to wait 7-10 business  day in order to receive that I had paid.this company practices shady tactics and lies I have upheld my end of the agreement They need to be investigated and put out of business I have now lost XXXX dollars on applications denials due to them not sending the email.
Product: Debt collection

XXXX sent my account to a attorney. The amount was {$800.00} now its {$2200.00}. Which i'm not paying all these extra fees. This is how XXXX treats customers. I already told them I was facing financial trouble and why i had to disconnect my phone number but they don't care.
Product: Mortgage

This is a complaint against Newrez/Shellpoint for their deceitful and predatory practices with an intent to delay, deceive, misrepresent and provide no timely resolutions. 
Newrez/Shellpoint provided a three ( 3 ) months forbearance from XXXX. Prior to the due date of XX/XX/XXXX, I attempted to reach Newrez/Shellpoint multiple times to discuss available options including payment deferment because I was able to resume my monthly payments as of XX/XX/XXXX but unable to pay close to {$14000.00} all at once. 
Despite of my numerous attempts to timely resolve, Newrez/Shellpoint never responded to my numerous calls prior to the due date of XX/XX/XXXX with an explanation that the assigned point of contact XXXX XXXX can not call back and is unable to make an outbound calls for some reason my system continues to suppress the call ( see emails dated XX/XX/XXXX and XX/XX/XXXX -exhibit 1 ) Only after I emailed XXXX XXXX stating that I would lodge a complaint with DFS ( my prior requests before the due date all ignored and as I also submitted a questionnaire through the portal and emailed the mitigation team through the secure dashboard on my account for Shellpoint and as I received a message that I would be contacted but I had not been once called back until after the deadline of XX/XX/XXXX had passed ), I received a response with a pre-approval dated XX/XX/XXXX. 
The said pre-approval email dated XX/XX/XXXX stated that my balance that had been accumulated during the forbearance would be placed at the back of the loan inclusive of the XXXX payment and contingent on the escrow shortage payments projections. 
However, Newrez/Shellpoint never intended to resolve as I was told to withhold my XX/XX/XXXX payment because Newrez/Shellpoint misrepresented that it would be applied to the back of the loan and that the amount of payment would change slightly from my regular {$3700.00} to around {$3700.00} subject to final approval. 
On XXXX XXXX, 12 days past the deadline, I received an urgent call that Newrez/Shellpoint can no longer process the payment deferment and would not allow me to resume my monthly payments because you have exhausted the deferment option previously on XX/XX/XXXX you received a 21 month deferment this is the maximum allowable for covid hardship which was known to Newrez/Shellpoint as an event that occurred a year and a half ago and known to Newrez/Shellpoint before providing a pre- approval dated XX/XX/XXXX which was contingent on the escrow disbursement payments. 
Because of Newrez/Shellpoint intentional tactics of not discussing any options before the due date ( after coming out of a 90 day forbearance ), ignoring calls and based on Shellpoint intentional acts inclusive of unable to make an outbound calls for some reason prior to the due date of XX/XX/XXXX and a delay known to Shellpoint to be deceitful as they now claim that the account is close to 120 days in default with an imminent foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/XXXX XXXX and ( XX/XX/XXXX ). I do NOT know what these are and they don't belong to me. i don't have any accounts with XXXX XXXX. I need these marks taken off my Trans Union report immediately.
Product: Credit reporting or other personal consumer reports

No XXXX was signed and my Idenity was stolen to open these accounts.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : Listed below are the Accounts that are being challenged : XXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXXXXXX - XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX This doesn't belong to me. - According to letter 15 USC 1692 ( XXXX ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files!
Product: Credit reporting or other personal consumer reports

I paid XXXX XXXX the full amount of the collections of {$57.00} in which they said they will remove this record off my collections
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is listing my XXXX Credit Card from XXXX XXXX as delinquent {$15.00}, which is incorrect - this is due to XXXX XXXX   error, they forgot to reverse the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, T ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2018 ; DEPT OF ED/XXXX XXXX Balance : {$3800.00}
Product: Debt collection

I was billed for a service that my employer ( XXXX XXXX XXXX XXXX in XXXXXXXX XXXX  ) should have paid for. I was hurt during a shift at the hospital I worked at on XX/XX/scrub>XXXX XXXX XXXX They had me go to their ER. I filled out all the property paperwork. I later was sent a bill from XXXX XXXX XXXX XXXX for {$520.00} to pay for the physician portion of the ER visit. I went into the XXXX XXXX department and inquired as to why I was being billed XXXX XXXX XXXX  They told me that I was responsible for contacting the XXXX XXXX XXXX XXXX and informing them that I wasn't to be billed and to give them a claim number, which was emailed to me by a XXXX XXXX. The claim given was and no other information. My account ended up in collections at XXXX XXXXXXXX. When I finally spoke with them, since they had been harassing me multiple times a week for a year. I informed them that I didn't owe the bill and my employer did and gave them the information stated above and filed a dispute. They are still calling and harassing me. I do not personally owe this bill my former employer does. The bill from XXXX XXXX XXXX XXXX shows that the visit number.
Product: Credit card or prepaid card

I rented a car in XXXX. At the time of returning the car, the rental company charged my credit card {$2200.00} in damages that I did not agree with. The condition report that was sent to the credit card company was not signed by me. Furthermore, I did not cause any damages to the car. I have attached pictures of the car, as well as the condition report signed by a different individual.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX whom it may concern, I regularly monitor my credit reports, and believe that my inquiries on TransUnion 's report had been removed. These inquiries soon reappeared. After researching online, I found that a recent TransUnion glitch had affected my report. I was not notified of this glitch or that my inquiries were to be put back. I have called TransUnion but could not reach a resolution. Under the FCRA 611 in part 5 ( B ), previously deleted material can not be reinserted without authorization from the consumer or a written notice within 5 days. Since neither of these occurred, I request that the following inquiries be deleted from my report : 1. XXXX/XXXX/16 - XXXX Card 2. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4400.00} Chagreoff XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$450.00} Late/Open
Product: Mortgage

I am writing to you because I am literally at my wits end. Im at a complete loss and I hope you can get accomplished at what Ive been unsuccessful at. 

On XX/XX/XXXX I walked into a local Bank of America branch to pay my mortgage. What I didnt know until Saturday, XX/XX/XXXX is that on XX/XX/XXXX the teller applied my mortgage payment to my Bank of America credit card XXXX I was scheduling my monthly bills this day when I was scheduling the BOA credit card it said I owed {$0.00} with a credit of {$570.00}. I was like do I have a secret Santa? Nope I saw payment made XX/XX/XXXX in the amount of my mortgage. I went down to the local branch with my receipts from XXXX which showed it was applied to the credit card. 

The gentleman took copies and said they couldnt fix it there and couldnt reach out to whoever until Monday XX/XX/XXXX. He took my info I got a direct number to that location went home. The guy from the bank called me said they could get ahold of someone but I needed to come back to authorize the fixing of the mistake. I went down they got a guy named XXXX on the phone he said he put in the change itll be reflected by Wednesday XX/XX/XXXX. 

As of today XX/XX/XXXX it has not been fixed Ive been to the local branch multiple times, Ive called the XXXX # and sent them messages. I have now been reported to XXXX twice for 2 months of late payments as my XXXX payment they took out of my bank account but have not applied it to my mortgage. 

This has been the worst experience ever, how difficult is it to remove the wrongly applied mortgage payment from the credit card and rightly apply it to the mortgage? Ive opened up a dispute with XXXX and then tonight I get another notification BOA has flagged me 2 months late Ive never been late ever in the 12 years Ive had a mortgage with BOA. It should not take this long to fix a mistake made by BOA and in the process my credit is taking a hit which I pride myself on good credit. 

Ive called, messaged and gone to the local branch not resolved. The customer service is awful right up there with XXXX. One response I got was were not responding to this your other message isnt closed, meanwhile theyre sending me stuff for having trouble paying my mortgage. 

I was charged at late fee etc. I just cant with this bank I honestly dont know if you can even help but this has been a nightmare. Ive included the documents you need the receipts the messages Ive sent screenshots showing I was reported to XXXX twice since Sunday, XX/XX/XXXX. 

I not only want my mortgage payments applied correctly, I want the XXXX ( XXXX ) reports to XXXX to be removed. My credit should not take a hit because the bank made the mistake.
Product: Money transfer, virtual currency, or money service

XXXX XXXX : Commencing on or about XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the XXXX ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfers, and through XXXX named XXXX and XXXX in the total amount of XXXX USD utilizing Truists services. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Truist Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Truist Banks custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Truist Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Truist Bank was in compliance with its own policies and procedures ; ( v ) whether Truist Bank owed duties to myself, what the scope of those dutie
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 SECTION 602 A. States 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 instructions
Product: Credit reporting or other personal consumer reports

Hello, I am reporting a fraud. 

On XX/XX/year>, I received a notification via email stating there is a new inquiry on my credit report. 

I did not authorize or give permission to check credit report.

Inquiry was done by capital one. I do not have an account with capital one or affiliated with capitol one.

I am not able to speak with capital one customer service because I do not have an account with capital one.

Please help me resolve this issues. 
I appreciate your assistance, thank you
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 Customer Financial Protection Act 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 and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.